Resources for resolving common issues with Heartland Payment Systems products and services
The Consumer Financial Protection Bureau (CFPB) is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives.
The CFPB will forward your complaint to Heartland Payment Systems and work to get a response. After your complaint is forwarded, Heartland Payment Systems has 15 days to respond to you and the CFPB. Heartland Payment Systems is expected to close all but the most complicated complaints within 60 days.
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Heartland Payment Systems Student loan can't repay my loan can't temporarily postpone payments December 13, 2016 - I called Heartland on -/-/- at - pertaining to a deferment for my student loan account. They said I qualify for a deferment and I would have to pay the interest of -/-/- for 3 months. So I receive an email on -/-/2016 at - saying I do n't qualify for a deferment. I called them on -/-/2016 at - and asked them to remove my checking account information. I wake up today and - was drafted out of my account. I have screen shots of all information and correspondents... |
Heartland Payment Systems Student loan dealing with my lender or servicer trouble with how payments are handled June 3, 2016 - The 3rd party billing provider on my student loan offers one method of payment to avoid fees/ penalties/ convenience charges- and that is a direct checking account debit. Over the last 2.5years I have tried several times to set-up direct payments but each time there is an " error '' with my information and the payment declines. This has led to negative information reported on my credit record, - dollars in added fees and interest charges, and hours of frustrating phone conversations. I have recently discovered that the problem is the company 's online payment system. The system has only bee... |
Heartland Payment Systems Student loan dealing with my lender or servicer trouble with how payments are handled May 30, 2016 - I have been making payments each month through the companies " - '' However each month I am getting a notice saying my payment is late. I pay before my bill date and always get a receipt. On top of that this company is not applying the extra I am paying toward the principal, but instead putting it all toward interest. At the beginning they were, now they are not. The paper bill and the online system never have the same figures on it. I am tired of this. It took me may months just to get a paper bill from them, now that I have it, my payments are not being applied correctly nor is the princi... |
Heartland Payment Systems Student loan dealing with my lender or servicer don't agree with fees charged April 19, 2016 - On - - I received a letter in the mail from ECSI informing me that my account was 15 days past due and that they would report delinquency if the payment was not received in the next 15 days. Until I received this mailed notification I had no previous notice that my deferment period was over. ECSI took a financial predatory approach by notifying me only AFTER the payment was due that I owed them money, which allowed them to collect a late fee. I received no information from ECSI beforehand so that I could budget for this monthly cost and set up an automatic payment. It is also disconcerti... |
Heartland Payment Systems Student loan dealing with my lender or servicer don't agree with fees charged April 6, 2016 - The lender continues to attempt to collect on the debt without validating the debt after I sent a formal request. They continue to violate the Fair Debt Collecting Practices Act. The are also continuing to charge interest without substantiating the debt. ... |
Heartland Payment Systems Student loan dealing with my lender or servicer trouble with how payments are handled April 4, 2016 - I recently looked at my credit report ( -, - and - ) and it indicates that I was 30-59 days late on my - University loans in -/-/- / -/-/2016. I was not 30 days late. I would like to let it be known that I received the letter attached ( dated -/-/2016 ) from - - ' that clearly displays a quarterly amount due of $560.00 ( quarterly payment due date : -/-/16 ). I would like to let it also be known that I logged in to -, and made a payment of $560.00 on -/-/2016 - which is the amount that was due, and which is the full amount that was indicated... |
Heartland Payment Systems Student loan dealing with my lender or servicer trouble with how payments are handled March 19, 2016 - Yesterday I visited - to view a statement for my loans and make a payment. While on the site I learned that my loan had been sent to a collection agency for payment. Today, I attempted to contact this agency at - but placed on hold and offered the opportunity to receive a call back. At -, I received a call back from an employee by the name of - . I gave him my name and explained my situation. He mentioned that it was no longer in his system and unfortunately sent to collections. He offered to provide me with the company 's name and number. I informed him that I wanted to speak with... |
Heartland Payment Systems Student loan dealing with my lender or servicer need information about my balance/terms March 9, 2016 - When my quarterly loan payment becomes due, I am unable to submit payment on the lender 's website. For approximately 2 weeks leading up to the due date, when I log in I get an error message saying my loan information is not available. However, if I log in after the due date there are no issues. I looked at an alert which shows when the website does routing maintenance, so loan information can not be accessed during this time. However, no matter what time I log on, what day, on different web browsers, and from any of a variety of computers, I am still unable to access my loan information durin... |
Heartland Payment Systems Student loan dealing with my lender or servicer don't agree with fees charged March 7, 2016 - My lender has instituted a monthly " convenience fee '' every time I try to pay my loans. The only option to not have to pay said " convenience fee '' is if I enroll in their autodraft program, but when I attempt to do so, their website says my loans are ineligible. I have been paying my loans in a timely manner for 8 years and do not understand why I am now being penalized for attempting to continue to do so. ... |
Heartland Payment Systems Student loan dealing with my lender or servicer don't agree with fees charged February 5, 2016 - the company Campus Partners services private student loans for a number of universities, including - University. They arbitrarily instituted a $0.00 fee on all payments made with checking accounts directly ( as opposed to autopay ). Because no warning was given, all payments made this month are subject to a fee ( unless the payment is mailed in ). They acknowledge they gave no advance notification either. By this method they are blatantly taking thousands of extra dollars of expense unfairly. ... |
Heartland Payment Systems Student loan dealing with my lender or servicer don't agree with fees charged February 2, 2016 - My school is - Unviersity, - - - -, -, NY - They contract their payments to Campus Partners, who just this month began charging - per transaction, per loan to pay from my checking account. It is much more to pay by credit card. The only way to not pay those " convenience fees '' is to pay by check or automatic withdrawal. I ca n't do automatic withdrawal because I do n't always have that money available to pay and I need to have the ability to initiate the transaction. I ca n't pay by check because that is not how I handle my finances in 2016. I find it absurd that payi... |
Heartland Payment Systems Student loan dealing with my lender or servicer don't agree with fees charged January 27, 2016 - I have a private student loan that is serviced by -. In the past, I have been able to pay by bank transfer through the website with no fee. The site now ( effective - -, 2016, according to the front page ) imposes a $1.00 for bank transfer payments that are not made through their autopay system. Servicers should not be permitted to unilaterally impose fees on existing payment methods or to change the terms on which borrowers have been paying. ... |
Heartland Payment Systems Student loan dealing with my lender or servicer trouble with how payments are handled January 20, 2016 - The bulk of my student loans are with the Department of Education and are currently in deferment while I complete my specialty training. However, there were - minor loans through - -, which they sent to Campus Partners to collect those loans. I was unable to get a deferment for those loans, despite completing the paperwork ( no reason was given, just a denial ), and I contacted - - to make repayment arrangements that I could actually afford to pay : Campus Partners was demanding $ -, which I certainly could not afford with my training salary. ( Campus Partners had tried in -... |
Heartland Payment Systems Student loan dealing with my lender or servicer don't agree with fees charged January 20, 2016 - mycampuspartners has implemented a new " convenience fee '' if you wish to pay directly your checking or savings account. There was always a fee for paying with debit/credit card, but now there is also a fee for direct withdraws from your account. The only way to avoid this is to mail in a check, which, in 2016, is a bit ridiculous. This is a pure money grab as they do not incur fees for direct ACH deposits with withdraws. ... |
Heartland Payment Systems Student loan dealing with my lender or servicer received bad information about my loan January 7, 2016 - I have a student loan from - - - University being collected by ECSI. I have paid on the loan since 2008. I went through unemployment and then entered school full time. I am in school at - - University for a - in - -. ECSI has received all of the deferment paperwork for in school status. They contact me every other month at least to tell me I am due for payments. Then they send me emails that I am in deferment. The website states I am in deferment but it also shows I have payments due. I am trying to buy a house and I looked at my credit tracker. ECSI sent me an email ... |
Heartland Payment Systems Debt collection disclosure verification of debt right to dispute notice not received November 7, 2015 - Data furnishers are required by law to fully investigate any dispute that 's brought to their attention. If they do n't, they could face substantial regulatory action from the Consumer Financial Protection Bureau. In -/-/-, the CFPB issued a formal bulletin warning lenders and other data furnishers, such as debt collection agencies, that they will be penalized if the CFPB finds they are n't properly investigating consumer disputes. First, - - - - - sent a collection agency notice to my parents house and not to me at my address in Texas. Second, - - - - - ... |
Heartland Payment Systems Debt collection communication tactics threatened to take legal action November 5, 2015 - I made a payment arrangement of - $ a month on a - $ - -, which I had in 1984, to - for the Univ of -. I gave them my bank account information and they attemped to take out - $.00 which I never had in my account. ... |
Heartland Payment Systems Student loan dealing with my lender or servicer October 12, 2015 - - University through ECSI. This would be the - time my bank account number has changed ( I was not the one to change it - and a payment has subsequently not been processed. They then charge late fees. I am unable to even check my bank account information for accuracy on their website. Furthermore, upon talking to a representative I was informed my bank account did not have a proper amount of numbers even listed. ... |
Heartland Payment Systems Debt collection improper contact or sharing of info talked to a third party about my debt September 22, 2015 - It appears - - inappropriately shared banking information with a 3rd party company and processed servicing rights without prior communication or authorization. Heartland ECSI CSR states that banking information would not have been transferred with their account ; however, they pulled money out of and the put back into my account in their company 's name. After the transfer, and communication I set up direct debit but they did not process my quarterly payment -/-/2015 and charged a late fee. The CRS stated I would have to talk to - - about a refund of that fee and claimed I se... |
Heartland Payment Systems Student loan dealing with my lender or servicer September 15, 2015 - I have requested several times that Campus Partners disclose the status of my account to - ; however, they are not honoring my request. Campus Partners drops the ball on my request and causes significant delays when I fax them paperwork. In essence, my problem is that Campus Partners does not process my requests in a timely manner which causes me damages. Their customer services reps lied to me and gave me incorrect information when I asked them what I needed to give them in order for - - of Transunion to inquire about my account ''. In addition they are telling me that I have to wai... |
Heartland Payment Systems Debt collection cont'd attempts collect debt not owed debt is not mine July 23, 2015 - Company that 's reporting to my credit file under false/unlicensed name. In my credit file it shows as Campus Partners ''. However, this particular company does n't exist or registered any state. After some digging I found out they are registered as - - -. The problem is this particular company does n't respond to any of letters I 've sent to prove the Debt. ... |
Heartland Payment Systems Student loan getting a loan July 21, 2015 - We have a company sending a demand notice she said it is not a school loan we filed a chapter - bankruptcy on -/-/2012 I called them they will not provide any information regarding the account it is on our credit and we are trying to buy our - house please help the name of the company is educational computer systems inc. ... |
Heartland Payment Systems Student loan dealing with my lender or servicer June 22, 2015 - My - - bought my private loan servicing contract from my lender - Bank, -. I never agreed to this, but do not have an option. I have been in - school for the last - years, and at the start of each semester am harassed for a payment despite automatically being entered in the - - -. An auto-dialer calls both me and my co-signer at least - a day, states this is - - '' and hangs up. This is not the complete message, and when I call to request a stop to the calls I am told they can only provide temporary relief. I am also told I may not speak to a manager, and I... |
Heartland Payment Systems Student loan dealing with my lender or servicer June 17, 2015 - I attended - - School in 2005. I was supposed to be released of all financial obligations, but this small amount has remained for years. I do not believe it is federal. They would bother me while I was at school elsewhere, and I would just defer. Recently, I just exited bankruptcy, and all creditors were notified of this and my new address ( and the stay ). Yet somehow they did not change the address and I received no notices of delinquency, no emails, and no phone calls about payment. Now, allegedly they have sent this thing to collections, but the collections agency has no record of th... |
Heartland Payment Systems Student loan dealing with my lender or servicer May 18, 2015 - I have a - ( - ) loan with ( University -, -, - ) outstanding with - late payments from last year. ECSI told me to fill out a economic hardship application so there is proof of my - last year during those - late payments and they would clear those late payments reported with credit bureau. They accepted my application but the credit bureau is still reporting the - late payments. I need those late payments cleared from my name please. I pay - the amount due on this same loan every month now that my business is reporting income. I would appreciate a little help, esp... |
Heartland Payment Systems Student loan dealing with my lender or servicer April 10, 2015 - School : The - - College - -Location : -, MAIt is very difficult to make extra payments to just the principle of my loan. I wait until the day my monthly payment is deducted so the accrued interest is zero, or at its lowest. However, then there are additional challenges such as fees to make the payment instantly online ( $1.00 ), a percent fee to make it over the phone ( for a $1000.00 payment the fee was going to be $49.00 ), or errors with their online fee scheduling program insisting I select that I am making the payment on behalf of someone else. While the fee for inst... |
Heartland Payment Systems Student loan dealing with my lender or servicer March 25, 2015 - In -/-/- I closed my - account where my - loan payments were drafted automatically every month without any delay. At that time, I setup through ECSI 's website an automatic payment to be drafted from my - account starting on -/-/- even increasing my minimum payment of $59.00 to $81.00. I noticed that my account was drafted on - and assumed that I had setup correctly the automatic payments. On - - I received a call from - ( - - ) stating that the - payment has not been received and I was due -, - and a fee of $30.00. Immediately, I called -... |