American Sprinkler Systems, Inc.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me As far as the credit reporting it still is not reporting so a attempt to get ahold of the credit bureaus will be made.
Regards,
*** ***

Heartland ECSI is the third party billing servicer for student loans on behalf of the *** *** *** Upon review of Ms***’s account, we have determined the following: Ms*** entered into repayment in February 2016.Her fixed payment amount is $127.28Her first
payment was due on March 1, 2016 On March 11, 2016, a 45-day past due letter was sent to Ms***. This letter should have been a day past due reminder, and on March 19, 2016, a retraction email and letter was delivered to explain the miscommunication. On March 21, 2016, she contacted our Customer Service Department via toll-free phone to discuss the amount due on her account. At this time, the breakdown of charges were explained and she set up a one-time payment in the amount of $127.28. The first payment on her the account was received on March 21, 2016. At the time the payment was received, a late fee of $was already assessed on the account. Based on the Perkins promissory note signed by Ms***, late fees may be assessed for payments that are not received on-time. Ms***’s account was brought current on March 28, and remained current until the July 1, payment was missed. Due to the missed payment, a late fee in the amount of $was assessed to the account. Ms*** did make a payment on August 1, in the amount of $which brought her account current. If Ms*** would like to talk with us directly, or has any other questions, she is welcome to contact our customer service team at ###-###-#### during our business hours of 7:30AM and 8:00PM EST, Monday to Friday Sincerely, Scott K*** Quality Assurance Manager Heartland ECSI

February 15, ID: *** *** ***
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*** To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of Yeshiva College We
apologize for the wait time Ms*** experienced while attempting to contact our officeOur call system does include a callback feature which allows callers to save their place in the call queue by providing a call back number. We have two methods to contact our Customer Service Team which includes: (1) Live Chat, which is available Monday to Friday, 7:AM to 9:PM EST and Saturday, 8:AM to 5:PM EST and (2) toll-free phone which is available Monday to Friday, 7:AM to 9:PM ESTAdditionally, borrowers are able to access their account online 24/at heartland.ecsi.net Quarterly payments are now possible on our website, however, at the time Ms*** set up her recurring payments Heartland ECSI displayed a message on our website that students with a quarterly repayment schedule should not use our website to set up recurring payments as the recurring payments set up on our website would draw monthlyAny students with quarterly repayment schedules were directed to call our customer service at *** in order to set up recurring quarterly payments On February 8, Heartland ECSI contacted Ms*** to adjust her recurring payment to draw quarterlyThe revised payments will begin on March 20, Heartland ECSI is always considering improvements to our website in order to make it more convenient and easy to use as possibleWe have provided Ms***’s comments to our design team for review and improvements If Ms*** would like to talk with us directly, or has any other questions, she is welcome to contact our Customer Service Department at ***

Heartland ECSI transmits data to credit reporting agencies on the last business day of each monthWe verified the change was submitted to the credit agencies on 03/31/Unfortunately it can take the individual bureaus an additional 30-days to have this information reflect on the credit reportsWe would happy to create a letter detailing the credit reporting changeMr*** may contact Tony G*** a Supervisor in our Customer Service department directly at ###-###-#### to have this documentation created

Heartland ECSI (formerly Campus Partners) is the third-party loan servicer for *** *** University Based on our records you submitted a request to be setup on our AutoDraft service on January 9, via our website www.mycampusloan.com. At this time, your February 1,
statement was already created thus your Auto-Draft payment did not take effect until the March 1st payment became due. This information was provided to you in the AutoDraft confirmation letter sent to you on January 10, 2017. I have included a copy of this letter for your convenience. As a participant in this service, you will not incur the $service fee associated with one-time online payments On January 9, 2017, you also registered to receive E-Bill reminders and E-Correspondence. You were emailed confirmation of both services. It is important to understand that because email is not a secure form of communication, Heartland ECSI is limited in the information that can be provided in these emails. Any Personally Identifiable Information (PII) such as Account Number cannot be included in these email communications and will continued to be mailed via the USPS Once *** *** University is scheduled to be transitioned to the new Heartland ECSI servicing platform, you will receive communications regarding the transition including a timeline of important events I hope the above information eliminates any concerns you may have regarding the servicing of your Federal Perkins Student Loan. Please contact our office at *** if you have additional questions

February 12, ID: *** *** ***
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*** To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of Loma Linda University
We have reviewed Ms***’s account and determined that her institutional loan was transferred from ACS in December of As part of the standard system transfer communication plan, each borrower receives a Welcome Letter from Heartland ECSI upon transfer of the loan with all pertinent transfer informationWithin that communication from Heartland ECSI we indicate ‘If you are currently making your student loan payment with ACS using recurring monthly payments, it Is important to know that the remaining scheduled recurring payments will be cancelled’As part of our standard system transfer plan for the first days after transfer to Heartland ECSI all late fees and credit reporting are withheldWe have reviewed Ms***’s account and confirmed that no late fees have been charged to her account, and no credit reporting has been sent On January 16, Ms*** successfully set up recurring payments on our self-service web portalMs***’s account is set to receive paper statements, and the statement generated January 22, shows the following memo to alert her that the payment set up did not cover the amount due: Your account is paid by ACH but the ACH draw does NOT cover your total amount dueACH is setup for $75.00, but the total due is $Please remit the difference of $by check or set up a temporary ACH draw of $ Regarding Ms***’s comments about paying a student loan with a credit card, Heartland ECSI is in full compliance with all regulatory requirements and only allows card brands that allow for acceptance of a loan paymentHeartland ECSI accepts MasterCard and Discover cardsWe also accept Visa debit cards, but not Visa credit cards for loan payment On February 6, and February 8, Heartland ECSI attempted to contact Ms*** to discuss her account and payment optionsOn each attempt a message was left for Ms*** to contact our office at her earliest opportunityIf Ms*** would like to talk with us directly, or has any other questions, she is welcome to contact our Customer Service Department at ***

This letter is in regards to the Revdex.com complaint you originally filed on February 8, 2017. Heartland/ECSI (formerly Campus Partners) is a third party servicer that currently contracts with *** ** *** to provide billing and bookkeeping services for their Federal Perkins and
Institutional student loan portfolios. Our records indicate you received a Federal Perkins Student Loan from *** ** *** on August 17, in the amount of $ 2000.00. We received a payment of $on January 10, and a payment of $on February 8, 2017. These payments have brought your loan status current with no past due amounts. Your next payment of $is due on April 14, We are currently in the process of updating our website with our new fax number ###-###-#### and address information. I apologize for the inconvenience while these corrections are pending. I have submitted a manual update record request to the credit bureaus stating your loan is in good standing with no delinquent payment history during November and December 2016. Please allow 45-days for this information to be reflected on your credit reporting. It is important to understand that even though your loan status is reported as a ‘current account in good standing’, Heartland ECSI is obligated to continue to report any delinquent payment history occurring prior to November I hope the above information eliminates your concerns regarding the servicing of your Federal Perkins Student Loan. Please feel free to contact me directly at ###-###-#### if you have any additional questions Sincerely, Carrie G*** Call Center Operations, Supervisor Heartland ECSI

December 18, 2017 ID: *** *** ***
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*** To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of the La Salle
University. We have reviewed Ms***’s account and determined that payments submitted through our self-service website that were drawn November 7, and November 22, were rejected from Ms***’s banking institution with the response “No Account/Unable to Locate Account”. On December 11, 2017, Ms*** contacted Heartland ECSI to request that the fees charged for the two (2) rejected payments be waivedUpon review it was identified that the payments were submitted by Ms*** through our self-service website. As a courtesy to Ms*** the late fee due on the account was waived, however, since Ms*** entered the bank account information directly into the self-service website and did not validate that the account information entered was accurate, we are unable to reverse the NSF charges that have been applied to her account Ms*** also spoke with a supervisor who reviewed the payment rejectionThe supervisor confirmed that the actions leading to the two (2) rejected payments were outside the University’s and Heartland ECSI’s control, and there were no grounds to reverse the charges. We attempted to contact Ms*** on December 13, and December 18, to discuss her account and the payment rejectionsOn both occasions we left a message for Ms*** to contact our officeAs a courtesy to Ms***, we have reduced the charges for the two (2) rejected payments to only charge for one of the rejected payments. Ms*** had a payment that was drawn December 15, based on the information supplied during the call on December 11, Regrettably, the payment drawn December 15th was rejected from the bank institution again with the response “No Account/Unable to Locate Account”We recommend that Ms*** contact her banking institution to confirm that the account information supplied is accurate, and will not lead to another payment rejection when a new payment is set up If Ms*** would like to talk with us directly, or has any other questions, she is welcome to contact our Customer Service Department at ***

Heartland ECSI (formerly Campus Partners) is the third-party loan servicer for Boston University Based on our records you received a Federal Perkins Student Loan from Boston University on September 9, in the amount of $3,000.00. This loan obligation was satisfied on June 13,
2016. I apologize for any inconvenience if the correct status of your student loan has not been reflected as Paid in Full with the credit bureaus. I have submitted a manual update record request that states the loan obligation was satisfied as of June 13, Please allow 45-days for this information to be reflected on your credit reporting. It is important to understand that even though your loan status has been reported as paid in full, Heartland ECSI is obligated to continue to report the prior payment activity that includes any delinquent payment history and activity with a collection agency for years As a third party servicer, Heartland ECSI, is required to maintain the integrity of the credit information provided to the three major credit bureaus. The Fair Credit Reporting Act requires furnishers of information to provide accurate information to the reporting agencies I hope the above information eliminates any concerns you may have regarding credit bureau reporting of your Boston University Federal Perkins Student Loan. If you have any additional questions or concerns, please feel free to contact me directly ###-###-####

To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of the *** ** *** *** The information you have provided is valuable, and we appreciate all feedbackHeartland ECSI is always considering improvements to our
website and web services that can make them more convenient and easy to use as possible We have reviewed Mr*** account, and determined that the account has been reported to the credit reporting agencies as Current and In Good Standing each month from November through May Regarding Mr*** comment about incurring a service fee when making an online payment, Heartland ECSI charges a service fee for making one-time paymentsWhen making online payments, the appropriate service fee is displayed after selecting the payment method and amount, but prior to final review and submission of a payment at which time users are permitted to cancel the transaction We do offer fee-free online alternative payment methods including automated recurring payments using a checking or savings accountThe automated recurring payments can be set up to draw on the 1st, 10th, 15th and 20th of the monthWe also accept payment by mailing a paper check or money order via U.SPostal Service to our lockbox at Heartland ECSI, *** *** *** *** ** *** On May 10, a Heartland ECSI representative contacted Mr***, and explained to him the breakdown of charges service fees for various types of online paymentsMr*** indicated that he did not like the service fees, but understands how they are createdOur representative offered Mr*** a free one-time e-check payment with recurring checking/saving account payments to avoid extra charges, and also waived the $stop-payment fee charged as a one-time courtesyMr*** is now set up with recurring payments of $to draw on the first of each month starting in June If Mr*** would like to talk with us directly, or has any other questions, he is welcome to contact our Customer Service Department at ###-###-####

To Whom This May Concern: Campus Partner was the third party billing servicer for student loans on behalf of the *** ** ***. Heartland ECSI acquired Campus Partners and the *** ** *** has been transitioned the Heartland ECSI platform. We have reviewed Mr
***-***’s account and determined that he has open accounts with the University of Michigan and the *** ** ***The *** payment that was received was posted to the University of Michigan loan as no further information was provided with the payment. After investigation, the issue was identified and both of his accounts now have an alert message that will display when a Heartland ECSI employee is accessing either of his accounts. On July 28, 2017, Mr***-*** spoke with a customer service representative who informed him that the payment was corrected and that the credit reporting was also updatedAt that time, he indicated he was submitting another *** payment for June which has not yet been received. Mr***-***’s account is being reported to the credit reporting agencies as current and in good standingInformation reported to the credit agencies may take days to update. If Mr***-*** would like to talk with us directly, or has any other questions, he is welcome to contact our Customer Service Department at ###-###-####

November 6, 2017 Case: *** *** ***
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*** To Whom This May Concern: ECSI Federal Perkin’s Loan Servicer (ECSI) is the billing servicer for student loans on behalf of the U.S
Department of Education. We have reviewed Mr***’s loan, and his loan was assigned to U.SDepartment of Education in January of The first $monthly installment due on the 1st of each month was due March 1, 2016. We have reviewed Mr***’s payment and credit history, and find no errorsIn October Mr***’s account was reported to the appropriate credit bureaus as days past due as a payment was not received for his installments due September 1, and October 1, Mr*** has filed disputes of his October reporting on occasions with the credit bureaus, and no changes have been made by ECSI. In Mr*** sent his first payment on April 21, in the amount of $which was applied to the installments due March 1, and April 1, The next payment made by Mr*** was on June 3, in the amount of $80.00, which was applied to the installments due May 1, and June 1, On July 26, a payment was received in the amount of $which was applied to the installments for July 1, and August 1, The next payment received on Mr***’s account was not until November 2, which was applied to the installments due September 1, October 1, and November 1, 2016. The recent October 1, installment was not applied to Mr***’s account until after the statement for November 1, was generatedThe October 1, payment was received September 27, No negative credit reporting was submitted, and no fee was assessedThis year Mr***’s account has been reported as current and in good standing. If Mr*** would like to talk with us directly, or has any other questions, he is welcome to contact our Customer Service Department at ***

Heartland ECSI is a third party loan servicerWe have recently taken over servicing for *** *** accountsOccasionally when loans transfer between servicers they will show duplicate loans reported to the NSLDSWe apologize for this incorrect reportHeartland ECSI confirmed NSLDS
reporting was corrected on 08/26/On 08/28/a supervisor called and notified the account holder of this and we consider the issue resolvedIf any other assistance is needed please contact Heartland ECSI at ###-###-####

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

December 21, ID: *** *** ***
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*** *** To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of the University of California
Davis We have reviewed Ms***’s accountWe have determined that a prior recurring electronic payment that was created utilizing our online self-service portal that contained invalid banking informationWhen the payment was drawn it was rejected from the banking institution as ‘unable to locate account’ Ms*** called in to our office December 21, 2017, and during the call the payment rejection fee that was charged was reversed, a payment was set up to bring the account current, and a new recurring electronic payment schedule was set up to begin March 10, If Ms*** would like to talk with us directly, or has any other questions, she is welcome to contact our Customer Service Department at ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***i have received phone calls but the only time I get a call is hen I am working Could someone please call me tomorrow atfted oclock ? Or any day after thank you

Heartland ECSI is the third party loan servicer for *** *** ***. Based on the review Mr***’s loan, the following information is being provided: Heartland ECSI attempted to notify Mr*** of the account status on multiple occasions
- On September 11, 2015, notification was mailed advising that the grace period was ending and that payment would be due on November 1, 2015. - On October 12, 2015, a statement was mailed to Mr*** showing a first payment due date of November 1, 2015. - The above-mentioned notification and the above-mentioned statement were returned due to an invalid mailing address- On November 24, 2015, we initiated an automated phone call to advise of account status. We received voice mail at the phone number on record and left a voice mail asking Mr*** to contact Heartland ECSI- On December 29, 2015, we initiated an automated phone call to advise of account status. We received voice mail at the phone number on record and left a voice mail asking Mr*** to contact Heartland ECSIOn January 14, 2016, Mr*** contacted Heartland ECSI and spoke with our representative to update his mailing address. Mr*** requested for a payoff amount to remove the negative credit reporting from his credit bureau. Our representative advised him that paying off the debt would not remove the existing negative credit reporting and that a rehabilitation is needed to remove the derogatory credit reporting. Under the Federal Perkins Loan Promissory note, it is the obligation of the borrower to ensure that their address is up-to-date with the creditor and any third party servicer. We did try to locate a new address using a skip trace process, however, we were not able to locate a valid mailing address. As a one-time courtesy, we were, after review of the account and conversation with Mr***, able to remove the derogatory credit reporting. The correction has been send to the credit reporting bureaus. It may take up to days for the credit repositories to update the information on Mr***’s credit report. Mr*** did provide us with an updated addressOn January 15, 2016, Mr***’s attorney, *** ***, contacted a customer service supervisor. The supervisor informed Mr*** that the information was sent to update Mr***’s credit report as a one-time courtesyIf Mr*** has any other questions regarding the above information, he should contact Tony G***, Supervisor in our Customer Service Department, at *** *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

February 12, ID: *** *** ***
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*** To Whom This May Concern: This complaint has been filed by a party that is not a presently released on any student
accounts with Heartland ECSIA company review has also been posted by Ms***, and referenced a *** *** We contacted *** *** to offer any needed assistance, and provided instructions should he wish to release Ms*** If Mr*** would like to talk with us directly, or has any questions, he is welcome to contact our Customer Service Department at ***

ECSI is a third party billing servicer that services accounts directly onbehalf of various universities and collegesWhen you contacted us on 8.21.2015via live chat you were inquiring about a ** *** *** accountThis accountwas current and in good standingThe account that went
past due is under*** ** *** These are two separate accounts as such we must keepeverything separate since Heartland ECSI is not a consolidation company but athird party billing servicerAll statements sent out are separate, websitelogins are separate, and loan names/amounts are separate.Student loan accounts are reported to the credit bureau(s) alongwith the current or past due status. This information is reported on amonthly basis to the credit bureau(s) and becomes part of the credit history onthe account. Being that we sent multiple notices with the correct accountreferenced warning the account was past due we have no grounds to override the previouslyreported loan statusPlease contact us for additional options that may be available for your account to remove credit reporting