Heartland Payment Systems Student Loan Complaint

Non-federal student loan Dealing with my lender or servicer

Heartland Payment Systems Student loan department,

Non-federal student loan Dealing with my lender or servicer Florida

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 - and spoke with a representative by the name of - and explained him that I tried to setup through their website the automatic payments, and please go ahead to take my new - account information where the monthly dues were to be drafted. He advised it had been done and starting -/-/- at that time I went ahead and made a payment through the website for $150.00 which represented -, - and the late fee. In - - I called again because I received another call and when I called back I spoke


called - to ask for an explanation where they told me they had not received any request to debit my account from - or -. Then I called back to ECSI and was advised that they tried again to collect in - from - and could n't collected the payment ( even when I had specifically asked for that account to be removed from the system ) and that the payment I submitted of $150.00 did n't cover the - payment because it was applied to interests and I was due -, - and a fee of $35.00. Note that I have not been late since I started with this loan. I see this as a very unfair practice from this lender and I recommend the CFPB to look into this as they are collecting fees unfairly from their borrowers due to a mistake in the way their system is configured and poorly trained representatives. Such fee I have been advised twice that is not possible to be removed. I am supposed still to receive a call from a supervisor in - business hours. I appreciate your time.

Heartland Payment Systems customer in Florida
Mar 25, 2015

* Source: CFPB Complaint Database

Heartland Payment Systems response to complaint:
Closed with explanation

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