American Sprinkler Systems, Inc.

Our records show that you have contacted us by web three times:       05/07/2015 Ticket #[redacted] You were advised byemail to contact our offices directly to protect your account information andprovided with the telephone number and...

hours.·        06/03/2015 Ticket #[redacted]: You were provided byemail with all possible payment options.·        06/03/2015 Ticket #[redacted]: You were againprovided by email with all possible payment options.All three of these requests weregiven a response via email to the address indicated on the contact message. Ourrecords do not indicate that you have tried to call us as we directed in theresponse provided to you on 05/07/2015. (This only includes successful phonecontact with an agent, if you attempted to call us and were in a queue orattempted to call us outside of our business hours, it is not considered aphone contact.)Automatic payments are available by both phone and web. Heartland ECSI accepts checkingaccount and savings account-based automatic payments for free as long as thepayment is scheduled at least 24 hours before the date that the payment isscheduled to draw. We have four available draw dates: 1st, 10th,15th, and 20th of each month are free checking/savingspayment dates. (You do have to schedule these payments in advance. The DirectPayment web module is closed on the draw date. If the scheduled date falls overa weekend or a holiday, the payment draws the following business day.) If youmiss the pre-schedule window, you have the instant payment options: checking orsavings for $1.95 instant web payment, or a credit card payment for $1.00 plus3.95% of the payment being made. (Recurring credit card payments are availablefor the same rate.) There is also the option to mail the payment to our officesat the payment address that was provided to you via several correspondences.  There is never any indication either by phone or website that we only accept creditcard payments. Card-based transactions are an option made available to you foryour convenience and do carry a fee. You are made aware of this fee and agreeto it during the verification stage of payment processing. Because you agreedto the convenience of card-based payment when there are other payment optionsavailable, we are unable to credit your account for the equivalent of thesefees.You are able to manage your e-billing by calling our offices and requesting that wereturn you to paper statements. (Please be advised that paper statements wouldnot be generated in a case where the payments were automated.) All billingstatements (paper or electronic) are generated on or about the 11thof each month. In addition, your payments are fixed, and you would be able toanticipate what your payments would be each month without relying upon bills.As far as changes to the website, the website is currently undergoing some changeswhich will go live in the near future. We hope that you enjoy our new look whenit becomes available!

The general basis of their statements are correct, however their calculations and application of the payments are not.I did remove my auto payment in hopes to send additional monies to be applied to principal. Payments were late as they stated however they were brought into good standing plus additional checks were sent to be applied to principal only.June Payment was due 6/22 as stated for $112. Two checks were received by them on 7/10; one for $112 to cover the late payment, one for $88 to be applied to principal only (which was CLEARLY marked on the check). Rather than doing so as requested the applied it to the July payment which was not due until 7/22. I called and requested this be fixed and applied correctly. I was told this was done however they continue to reference a past due balance of $24 (June $112+July $112-$200). However if applied correctly it would be $112 to June and $88 to principal leaving the full July balance of $112 still due. The same thing was then repeated for July. Two checks were received 8/6; one for $112 to cover the July payment, one for $88 covering principal only. However this was once again not done. It was applied to July and the August therefore leaving me with a remaining $24 due for the August payment. This was not past due, it was not due until 8/22. When I called to have it adjusted (like the gentleman I spoke to about the June payments instructed me to do) I was told I had a past due balance of $24 which was untrue; that no adjustments could be made, and that additional payments were only accepted the 23rd-25th of the month! As you can see from the charges and payments received this was never the case. My monthly payments were late as stated but there should have never been a past due balance when the checks were received. Had payments been applied correctly it would have paid off June, applied $88 to principal (not to a current due balance for July), paid off July, applied $88 to principal and left a full payment still due for August rather than applying extra to a CURRENT not PAST due balance of August. Nowhere in this math does a $24 past due balance even exist. $112+112=224-400=$166 which should have been applied to principal only with no loss of interest! 
Regards,
Courtney [redacted]

Heartland ECSI has reviewed the screenshot provided. The billing statements sent monthly to Ms. [redacted] do reflect the proper amount currently due of $190.00 for the 3 loans that are in repayment. At this time our programming team is still reviewing the circumstances on Ms. [redacted]'s account to determine why the online student account portal shows $200.00 as the amount due. The $200.00 amount appears to be inclusive of the amount of $10.00 due annually for the loan that is not currently in repayment.Heartland ECSI apologizes for any confusion this causes for Ms. [redacted], and we thank her for bringing this to our attention. We will continue to work to correct this matter, and an internal support ticket [redacted] has been created to track progress. We ask that Ms. [redacted] rely on the paper statements she receives monthly until this matter is resolved.

February 15, 2018 ID: [redacted]
[redacted] To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of Pomona College. On February 1, 2018 Heartland...

ECSI received a call from Mr. [redacted] requesting that the payment applied to his [redacted] loan be adjusted and applied to his [redacted] loan. On February 9, 2018 the adjustment was completed. On February 9, 2018 Mr. [redacted] contacted Pamona College through email who confirmed that the payments had been adjusted.  On February 12, 2018 Heartland ECSI attempted to reach Mr. [redacted] to discuss his loans and payment options. A message was left for Mr. [redacted] to contact us at his earliest opportunity. On February 12, 2018 Mr. [redacted] contacted Pamona College through email who confirmed that the loans were showing current and in good standing. Heartland ECSI welcomes Mr. [redacted] to set up a user profile on our account portal which can be found at https://heartland.ecsi.net. Once a user profile is created, Mr. [redacted] will need to link his Pamona College account using his Heartland Key number. The Heartland Key can be located in the upper right hand area of all printed and mailed communications from Heartland ECSI. The Heartland Key is a 17-character alphanumeric number (including a hyphen). Users can also search for their Heartland Key using their first name, last name, Social Security Number and zip code. Mr. [redacted] can review both of his loans’ information online after profile is created and account has been linked. Users paying through our account portal have several options when making a payment online. Some of these payment methods may result in a service fee being added to a payment amount thereby increasing the total payment. Service fee and payment options are disclosed upon entry into our online payment portal, and the applicable service fees are displayed after the payment has been selected and entered. The user does have the ability to review this information before submitting the payment. If Mr. [redacted] would like to talk with us directly, or has any other questions, he is welcome to contact our Customer Service Department at [redacted].

“Grace, you are able to make your payments of $50.00 on the15th of every month. However, your account is 47 months past due andis reported past due to the credit reporting agencies. The rescheduled payment amountof $50.00 is only set to keep the account out of collections. The only way tobring the...

account completely current is to pay the full amount due. Your bill’sdue date is the 1st of every month, but your reschedule will not beeffected if you pay on the 15th. If you have further questions aboutthis account, please feel free to call Heartland ECSI at [redacted]”We have re-sent the original email again today to the emailaddress provided in the Revdex.com. In regards to the email you sentHeartland ECSI on 4/28/2015. – Due to privacy laws, ECSI is unable to verify oranswer any account specific questions. Emails requiring such information areresponded to with the following.“To safeguard your account specific information, security measuresdo not allow ECSI to respond to your question/inquiry via e-mail. However, wewill be more than happy to help you through our Live Chat portal or viatelephone at [redacted]. Live Chat hours are Mon-Fri 8am – 7pm. https://www.ecsi.net/bwr/livehelper.html you can also call Mon-Fri 7:30am – 8pm. We look forward to assisting you.”In regards to the payment sent to the university prior to HartlandECSI taking over the role of Student Loan Servicer for [redacted]. Anypayments made either to the university or previous servicer will be transferredto the new servicer within 30 days of making payment. Should the payment not beforwarded onto Heartland ECSI within 30 days of the original funds being send,it would then be the borrower’s responsibility to follow up with whomeverpayment was sent to. As of today, 5/18/2015 there have been no paymentsreceived and applied to the [redacted] account with Heartland ECSI. Theborrower can view payment history and any payment converted by over from theprevious servicer at www.borrower.ecsi.net.

Heartland ECSI is the third party billing servicer for student loans on behalf of Loyola University New Orleans.We apologize that our system was unavailable when Ms. [redacted] attempted to use our self-service portal.We have reviewed her account and identified that the account has been carrying a past...

due balance caused by two (2) rejected payments (made May 11, 2009 and July 1, 2014) and a missed payment (due August 1, 2014). Ms. [redacted]’ statement was generated August 12, 2014 with an amount due for her September 1, 2014 installment was $628.75.Ms. [redacted] has been making regular monthly installments, however, these missed payments led to the account accruing additional fees each month. The installment due October 1, 2016 was $787.75, and on November 1, 2016, and each month thereafter, Ms. [redacted] began making two (2) identical payments of $63.66 each month, which has reduced the past due amount.Ms. [redacted]’ account is on a recurring payment set up to draw on the first business day of each month in the amount of the monthly installments of $63.66, however, her account is still showing as past due. The statement generated for the October 1, 2017 installment includes the following message:  “Your account is paid by ACH but the ACH draw does NOT cover your total amount due.” The statement does advise to bring the account current on October 1, 2017 an additional payment of $105.15 is due along with the recurring payment of $63.66.As of September 11, 2017, the payoff amount for this account is $343.69. The amount includes $6.36 in late fees, $1.88 in past due interest, $1.39 in current interest, and $334.06 in total principal. We have placed a stop on late letter and phone fees, so the payoff amount will not increase until after October 1, 2017. If Ms. [redacted] 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 [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I do not understand the response of ECSI.  They say I am not being billed for the Bagby loan, but that I am still being billed on an annual basis (this is why I cannot modify online payments).  They refuse to address the issue.
Regards,
[redacted]

After [redacted] scheduled her payment online to draw4/10/2015, it was removed automatically by Heartland ECSI, due to the previouspayment being returned for an incorrect account number. As a safety feature,the system will them remove any ACH set up on the account to avoid the paymentpulling from...

the same incorrect account again. It was simply a matter of badtiming between when the system ran the ACH removal, and when the borrowerscheduled their new ACH transaction. We apologize for the inconvenience and have receivedapproval from [redacted] to waive the $10.00 late fee. The$1.95 processing fee cannot be waived from the loan, as it was assessed as partof processing an instant payment.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
Regards,
[redacted]heartland ecsi regettted my initial payment in November. I was never notified, tilli received my December bill. I called to reconcile and proceeded to mail a check since the online payment system was not working effectively. I was told no sysytend are 100% they processed wrong I made a payment and it is not my fault they processed incorrectly. I also made a payment for the previous present and at the time future. Ecsi is extremely rude and unprofessional this particular company has a track record of doing this to consumers to acquire more interest, extend the loan and charge fees

To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of Illinois Institute of Technology. Heartland ECSI is not attempting to suggest, imply or otherwise create a record that Mr. [redacted] is not diligent in monitoring or communicating with Heartland ECSI regarding his account. Mr. [redacted] stated he did not receive any call or message on September 13, 2017 therefore Heartland ECSI retracts any reference to a call attempted or made to Mr. [redacted] on such date. Heartland ECSI apologizes that a call did not reach Mr. [redacted] on September 13, 2017. Heartland ECSI’s system indicates that a Paid in Full letter was generated on September 21, 2017. It is Heartland ECSI’s practice that our representatives are not to provide specific dates as to when documents will be delivered through the U.S. Postal Service as we do not control delivery. Any date provided should have been provided as estimation with a disclaimer that it is subject to the variable that we do not control delivery. Heartland ECSI regrets if Mr. [redacted] was provided any date other than the date the Paid in Full letter was created. We have attached a copy of a newly generated Paid in Full letter such that Mr. [redacted] has a copy for his records. Heartland ECSI sends credit data to Innovis and Equifax for Illinois Institute of Technology loans on a monthly basis on the last day of each month or first business day thereafter. Heartland ECSI confirmed the data transmission to the bureaus was successfully sent on August 31, 2017. Mr. [redacted]’s account was reviewed within the data transmission sent to validate Mr. [redacted]’s account was reported as Paid in Full (code 13) with a balance of $0.00 with Current-Good Standing (code 11) for all prior months. At the time of this credit data transmission the payment applied to Mr. [redacted]’s account August 31, 2017 had not yet been rejected from his banking institution with the response ‘No Account/Unable to Locate Account’. Mr. [redacted] was diligent in immediately correcting the rejected payment by sending a new payment that was applied on September 8, 2017 the day following the balance update to his account, therefore, Mr. [redacted]’s credit data was not altered. Heartland ECSI does not have access to review the credit history shown by Innovis and Equifax, however, on August 28, 2017 Heartland ECSI initiated an Automated Universal Data (AUD) through e-OSCAR for a tradeline update on Mr. [redacted]’s account. This was done to request his credit history to be updated, if needed, to show as Paid in Full (code 13) with a balance of $0.00. Heartland ECSI will also be reporting to Innovis and Equifax after the last day of September 2017, and our records will report Mr. [redacted]’s account as Paid in Full (code 13) with a balance of $0.00 for the past 2 months with Current-Good Standing (code 11) for all prior months. Should Mr. [redacted] find that his credit history is still not updated reflecting the data we have transmitted and requested updated on his account we recommend that he file a credit dispute directly with the credit reporting agencies to update his credit data. If Mr. [redacted] 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: Heartland ECSI is the third party billing servicer for student loans on behalf of [redacted] We have reviewed Mr. [redacted]s account and have determined that the account entered into repayment status with first fixed payment due on April 1,...

2016 in the amount of $40.00. Based on the information on his account, Mr. [redacted]s spoke with a customer service representative on August 22, 2016 at 6:26 pm EST.  Based on the school guidelines, our representative was able to offer him a one-time courtesy to waive the late fees.  Heartland ECSI was able to waive $60.00 in fees related to the account being past due.  Our representative also advised him that we could not make any change to the credit reporting history without him submitting the appropriate paperwork and that paperwork being approved based on the Federal Perkins loan guidelines.  At that time, our representative mentioned a forbearance entitlement.  Mr. Schaub ended the call without further direction on if he would file the appropriate paperwork. On August 31, 2016 at 4:37 pm EST, September 1, 2016 at 3:18 pm EST, and September 2, 2016 at 10:59 am EST, we attempted to contact Mr. Schaub to discuss rehabilitation on this loan to clear up any negative credit reporting history for this Federal Perkins Loan.  Messages were left for Mr. Schaub to return our call to his discuss options. A representative from Heartland ECSI attempted reached out to Mr. Schaub August 31 at 4:45PM, September 1 at 3:15PM, and September 2 at 10:50AM. Each time we have left Mr. Schaub a message to contact our offices to review his entitlement options and to set up a repayment plan that could, if successfully completed, repair his credit while returning his account to positive repayment status.  If Mr. Schaub would like to talk with us directly, or has any other questions, he is welcome to contact our customer service team at 888-549-3274 and ask specifically for Jocelyn.  If Jocelyn is unavailable, any other representative can assist him as his account is appropriately noted.   Sincerely,Scott K[redacted]Quality Assurance ManagerHeartland ECSI

Please note: Heartland ECSI is a third party loan servicer on behalf of the [redacted].Mr. [redacted] contacted us to setup check payment withdraws on 12/15/2015. Mr. [redacted]’s bank rejected the payment as “unable to locate the account”. The call from 12/15 was reviewed by a supervisor in...

our customer service department. The representative entered the checking account number as they were given. Calls are recorded for quality assurance and training purposes, it is not within our policy to send call recordings to any third party or consumer. As a third party servicer checks mailed to Heartland ECSI should be made out to the client care of (c/o) ECSI. Mr. [redacted]s check was made out directly to ECSI. Being that the first name on the check is “[redacted]” our system automatically applied it to a [redacted] within our system. On February 4th we were notified the payment did not apply to his account. On February 8th we applied the payment correctly and built a rule to make sure Mr. [redacted]’s future payments are applied correctly. We emailed Mr. [redacted] on February 8th to notify him of this. We apologize for this payment applying incorrectly, to compensate Mr. [redacted] for his time spent helping us correct this we credited the amount of the payment rejection fee (NSF fee) to his principal balance. If any other assistance is needed he may contact Tony Gump a supervisor within our customer service center directly at ###-###-####.

We are happy to assist your with your concerns. Heartland ECSI does not reportthe status of Perkins Loan payment to FAFSA. On the date in which your accountis paid in full, it is then reported to the NSLDS and the major credit bureaureporting agencies. If you have any additional questions surroundinginformation with your FAFSA, you may need to consider reaching out to yourprovider of higher education. Thank you for allowing us the opportunity tobetter assist you. Thank you,Heartland ECSI

August 24, 2017   ID: [redacted]   [redacted]
[redacted]
[redacted]
[redacted]
[redacted]
    To Whom This May Concern:   Heartland ECSI is the third party billing servicer for student loans on behalf of Berea College.   We...

apologize that Ms. [redacted] experienced frustration with our borrower account portal.  On August 23, 2017 a Heartland ECSI representative contacted Ms. [redacted] to discuss her concerns and discuss payments options.   Heartland ECSI committed to making quarterly payments available on our website through a recent update; however, any students with mixed payment cycles such as Ms. [redacted]’s will still be required to call our customer service at 888-549.3274 in order to set up recurring payments accurately for accounts with mixed payment cycles.   Ms. [redacted] may make her payment by mailing a check or money order in addition to online options. She should make the check payable to her school and mail to: School Name, c/o Heartland ECSI, P.O. Box 718, Wexford, PA 15090. We ask that she please include her Heartland Key or Account Number in the memo section of her check or money order.   As an optional service, we provide the ability for students and borrowers to make online payments. Since Ms. [redacted] has mixed payment cycles on the loans within her account the recurring options are disabled. Some of these payment methods may result in a service fee being added to a payment amount thereby increasing the total payment. Service fees allow us to provide a higher level of security for your personal information and more efficient payment processing. They also cover the cost of processing when using electronic payment methods.   If one of the following options is used, a service fee will be added to the payment amount: ·         One-time credit or debit card payment ·         One-time direct debit (checking or savings account) payment ·         Recurring credit or debit card payment [disabled for mixed payment cycles] Actual service fees will be displayed after the payment amount is entered. The user does have the ability to review this information before submitting the payment.   There are also several fee-free payment options: ·         Recurring direct debit (checking or savings account) payment [disabled for mixed payment cycles] ·         Mail check or money order ·         Using a banking institution's or third-party billing service. Please note that a bank or a third-party billing service may charge a fee to submit the payment on the pay behalf This information is also displayed to all users prior to advancing to the payment options on our website.   On August 18, 2017 Ms. [redacted] successfully changed her billing method from e-bill to receive a paper billing statements through our borrower account portal. If at any time Ms. [redacted] is curious about her amount due, or if she would like to view past statements, we recommend she sign in to her profile, select the institution, click View Account, and then select History.   In order to further assist Ms. [redacted] we have provided her a copy of her most recent e-billing statement created August 10, 2017.   If Ms. [redacted] would like to talk with us directly, or has any other questions, she is welcome to contact our Customer Service Department at 888-549-3274.

December 12, 2017 ID: [redacted]
[redacted]
[redacted]
[redacted]
[redacted] To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of the Massachusetts Department of...

Higher Education. We have reviewed Ms. [redacted]’s account, and determined that she has a no-interest loan with fixed monthly installments that began with the first installment due on June 1, 2017. Payments on the account were set up on May 25, 2017 utilizing our online self-service portal to draw on the 20th of each month starting June 20, 2017 continuing until the loan was paid in full. On October 12, 2017 Ms. [redacted] called our office to discuss the past due balance on her account, and it was determined that the charges were due to the payments being drawn 20 days after the installment’s due date. She was instructed to adjust the payment’s draw date to the first of the month, and our representative would request an adjustment of past due balance that had accrued on the account beginning when the recurring payments were started on June 20, 2017. On December 5, 2017 new recurring payments were set up utilizing our new student account portal to draw on the 1st of each month starting January 1, 2018. On December 6, 2017 Ms. [redacted]’s account was adjusted as indicated on the call October 12, 2017 to apply $40.00 in fees paid to principal, and removed the recent $2.00 fee that was shown due. The account now shows current with no past due amounts or fees. We attempted to contact Ms. [redacted] on December 6, 2017 and December 7, 2017. Both calls resulted in messages left for Ms. [redacted] to contact our office to discuss her account. If Ms. [redacted] would like to talk with us directly, or has any other questions, she is welcome to contact our Customer Service Department at [redacted]

To Whom This May Concern:   Heartland ECSI is the third party billing servicer for student loans on behalf of Thomas Moore College.   We have reviewed Ms. [redacted]’ account and determined that she has two loans with her school; a Perkins loan and Nursing Baccalaureate loan. On...

July 17, 2017 paperwork for a deferment request was processed from Ms. [redacted]. Her Perkins loan payments have been placed on deferment; however, the Nursing Baccalaureate loan requires additional information in order to process the deferment processing an email was sent to Ms. [redacted] indicated that she needed to provide a copy of her class schedule indicating she is taking qualified nursing classes.   An additional email was generated on August 2, 2017 after failed attempts to reach Ms. [redacted] at her home number of ###-###-#### and the number provided to the Revdex.com of ###-###-####. The email was sent to the address on file of [redacted] and outlined the need a copy of a class schedule indicating she taking qualified nursing classes. The email also contained a copy of the deferment form as well as a fax number to submit the documentation.   With regards to Ms. [redacted]’ receiving notifications that her account was past due Heartland ECSI did send out 2 statements after her statement generated on May 10, 2017 which had a payment due date of June 1, 2017. This statement showed the amount due of $120.00 on the Perkins loan, and $51.24 on the Nursing Baccalaureate loan. The first reminder statement was generated on June 12, 2017 stating her account was past due 15 days for the June payment showing the amount due of $132.00 on the Perkins loan (which included a $12.00 late fee), and $51.24 on the Nursing Baccalaureate loan. The second reminder statement sent out was generated on July 10, 2017 which indicated that her account was past due 45 days for her June payment showing the amount now due of $144.00 on the Perkins loan (which included a $24.00 late fee), and $51.24 on the Nursing Baccalaureate loan.   Payments were received from Ms. [redacted] in the amount of $51.24 on July 19, 2017, and a second payment of $35.82 was received on July 28, 2017. Adjustments have been made to ensure these payments were applied to the Nursing Baccalaureate loan to bring it current.   Ms. [redacted] account is being reported to the credit reporting agencies as current and in good standing for her Perkins loan. Credit reporting on the Nursing Baccalaureate loan has not started, but is current with no past due amount.   If Ms. [redacted] would like to talk with us directly, or has any other questions, she is welcome to contact our Customer Service Department at ###-###-####.

[redacted]
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[redacted]     To Whom This May Concern:   Heartland ECSI is the third party billing servicer for student loans on behalf of Berea College.   Heartland ECSI is not billing Ms. [redacted] on her Bagby loan with Berea College. The Bagby loan was set up by the College on Heartland ECSI’s system of record to be billed annually with $10.00 installments; however, the loan has a permanent stop to prevent any principal from being billed. Since the loan does not carry interest, the loan will not be billed until such time as the stop has been removed.   Heartland ECSI reached out to Berea College and confirmed that the account is not to be billed at this time, but she should receive an annual statement on the remaining balance on the Bagby loan. The College further stated that Ms. [redacted] is not required to pay on the loan if her circumstances do not permit.   If Ms. [redacted] would like to talk with us directly, or has any other questions, she is welcome to contact our Customer Service Department at 888-549-3274.

Heartland ECSI is the third party billing servicer for student loans on behalf of [redacted] College. We have reviewed Mr. [redacted]’s account, and have determined that he has a Law School Loan with his first fixed payment of $50.00 due on January 1, 2017. On December 21, 2016 Mr. [redacted] set up a...

recurring ACH in the amount of $100.00 to draw from his account on the 1st business day of each month. Payments received are applied to any accrued fees, past due interest, past due principal, (if any of those exist), and then to current due interest and current principal. In the case of an over-payment the amount is applied in the same manner, with any surplus money being applied directly to the principal. As of December 28, 2016 Mr. [redacted]’s account does not have any accrued fees, past due interest, or past due principal; therefore, the additional $50.00 received within his $100.00 recurring ACH will be applied to his principal balance. We ask that Mr. [redacted] be mindful that fees are applied to his account at the discretion of his lender, [redacted] College, which could impact future payments. On December 28, 2016 a Heartland ECSI representative contacted Mr. [redacted] to confirm his request  and verify his email address in order to send the requested information. An email was sent to Mr. [redacted] at 10:56AM on December 28, 2016 which outlined the information contained above. If Mr. [redacted] would like to talk with us directly, or has any other questions, he is welcome to contact our Customer Service Department at ###-###-####. He is also welcome to utilize our website https://heartland.ecsi.net/ to view and manage billing, payments, and other features of our system.

To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of the [redacted] Heartland ECSI confirms that Mr. [redacted] delivered the updated information needed, and contacted [redacted] to obtain authorization to remove his account from collections then process his Cancellation/Deferment. This was approved and completed May 9, 2017. The deferment was posted August 2016 through August 2017. Mr. [redacted] should have received the attached letter through email correspondence on May 9, 2017 to the address we have on file of [redacted]. After the Cancellation/Deferment was placed on the account any late fees assessed to Mr. [redacted]’s account due to this matter were removed. In addition Mr. [redacted]’s account is now showing as current and in good standing to the credit reporting agencies. Information reported to the credit agencies may take 60 days to update. Heartland ECSI utilizes various means to updated mailing and phone numbers; however, it is the obligation of the borrower to ensure that their contact information on file with the loan servicer is up to date. This is outlined within the Perkins promissory note that was executed by Mr. [redacted]. We ask that Mr. [redacted] contact our office to confirm his information is up to date to avoid any additional delays.  If Mr. [redacted] would like to talk with us directly, or has any other questions, he is welcome to contact our Customer Service Department at ###-###-####.