American Sprinkler Systems, Inc.

While we do generate Paid in Full letters on behalf of our client Mississippi [redacted], our agents are trained to advise all borrowers that these letters can take 30 to 60 days to arrive. This timeframe ensures that our records are correct, our client (the borrower’s school) has received the funds,...

and the account is truly paid in full. Our records show that the borrower contacted us 3 times: 05/06, 05/12, and 06/05 and was advised of the date range. Borrower was also advised of alternatives to the paid in full letter to prove account has a zero balance. With that being said, we are now able to honor **. [redacted]’s request to send her a paid in full letter this week (as over 30 days have passed.)

Heartland ECSI apologizes for any undue stress this incidence has caused. There was an error that triggered a percentage of students with Geneva College to receive standard COHORT letters. Please rest assured these had no effect on your account. During this time your account was current and in good...

standing; no negative credit reporting has occurred. This system error was identified and corrected on 9/28/2015. On 09/30/2015 we notified the account holder by phone that the account is now current. Documentation regarding this error has been sent to all parties that were affected.

To Whom This May Concern: We have reviewed Ms. [redacted] loan, and our records indicate that on March 7, 2017 and March 14, 2017 Ms. [redacted] contacted our Customer Service Department to request a Title IV letter to be created. Our records show that both requests were fulfilled on the same day...

as requested, and sent out through USPS mail.  On March 21, 2017 our Customer Service Department received a follow up call from Ms. [redacted] indicating she still had not received a Title IV letter. On the same day our Customer Service Department emailed a copy of the Title IV letter to the email address on file of [redacted], and sent a paper copy overnight to the mailing address on file of [redacted] If Ms. [redacted] would like to talk with us directly, or has any other questions, he is welcome to contact our Customer Service Department at ###-###-####.

Please note: Heartland ECSI is a third party loan servicer who services loans on behalf of [redacted] After logging into Heartlandecsi.net users are presented with the following options under “Make a Payment” ·         Instant E-check...

·         Credit Card Payment ·         Direct Payment ·         International Payment Ms. [redacted] selected the “Direct Payment” option. This will only allow someone to make a payment on the 1st, 10th, 15th or 20th of the month. Our instant E-check and credit card options allow instant payments to be made. For Ms. [redacted]’s account a new billing statement is generated along with interest accruing on the last business day of each month.  Heartland ECSI transfers payments in their entirety to the [redacted]; including interest, principal, and any type of fees. A request for a supervisor to contact Ms. [redacted] back was entered on 1/6/2016, we apologize the request wasn’t fulfilled. The representative [redacted] spoke with made an error when submitting the request that caused it to prematurely close. We’ve spoken to [redacted] and removed the remaining amount of interest on her account. It now reflects as Paid in full.

January 19, 2018 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 West Virginia University. We...

have reviewed Ms. [redacted]’s account, and the statement created for her January 1, 2018 installment was generated on December 11, 2017 with a late fee assessed to the account for the installment due December 1, 2017. The statement indicates her account is 15 days past due which factors in days for postal mail delivery. The payment was received and applied to her account on December 12, 2017 which covered the late fee assessed. The statement also indicates that if missed payment was not received as of the next due date (January 1, 2018) the account would be reported as 30 days past due. No negative credit reporting was submitted since the payment was received, and Ms. [redacted]’s account was reported as current. Based on Department of Education’s regulations for Federal Perkins Loans, as outlined in our student FAQ web pages, payments are applied in the following order: fees charged, past due interest, current due interest, past due principal and current due principal. The payment received December 12, 2017 followed this application process. On January 17, 2018 Heartland ECSI spoke with Ms. [redacted] to discuss her account. Our representative also coordinated with Ms. [redacted] and her banking institution to assist her in the recovery of the late fee from her banking institution. Ms. [redacted]’s banking institution confirmed that the online payment was submitted on her behalf late, and the late fee was adjusted on 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 the [redacted].   We have reviewed Dr. [redacted]’s account, and identified that Dr. [redacted] has 3 loans with the University serviced through...

Heartland ECSI: a Perkins, [redacted] and [redacted] loan. The Perkins and [redacted] loans are in repayment with fixed monthly installments of $40.00 and $84.86 respectively which are due on the 1st of each month. These two loans entered in to a repayment status with the first installment due April 1, 2016.  The [redacted] loan is presently deferred, and no payments are presently due.   Dr. [redacted]’s account is set up to receive electronic billing statements. The electronic billing statement notifications were sent to [redacted]@gmail.com only for the first electronic billing statement generated on March 10, 2016. Upon missing the first payment due on April 1, 2016, her account was automatically switched to mailed paper statements, and notifications were sent thereafter to 615 W 164th Street, Apt 22B, New York, NY 10032.  The mailing and email addresses on file with Heartland ECSI have remained unchanged since prior to the first electronic billing statement notification.   Heartland ECSI records indicate that prior to the first payment received on September 12, 2016 that several attempts were made to avoid Dr. [redacted] missing a payment or having any negative credit history: 1 electronic billing statement was emailed: March 10, 20165 paper billing statements were mailed: April 11, 2016; May 10, 2016; June 10, 2016; July 11, 2016; August 10, 20164 late notices were mailed: May 9, 2016 (45 days); May 25, 2016 (60 days); July 1, 2016 (90 days); July 25, 2016 (final) After the receipt of the payment on September 12, 2016 of $778.16 our records indicate that the next successful payment was received 4 months later on January 25, 2017 in the amount of $677.30. The third payment and most recent payment on the account was received on March 15, 2017 for $254.72 which brought the account current. Dr. [redacted]’s account is presently not set up for any recurring payments, and a total of $124.86 is due on May 1, 2017. We researched Dr. [redacted]’s comments about making recurring online payments that did not draw as expected. Two recurring online payments were made using our self-service web portal. The first recurring payment was set up on November 19, 2016 to draw $513.58 each month on the 1st until the loan was paid in full; however, the recurring payment was cancelled on December 6, 2016 when the bank rejected the payment due to invalid account. The second recurring payment was set up on March 13, 2016 to draw $254.72 each month on the 15th for 3 months; however, the transaction was cancelled by Dr. [redacted] on March 14, 2016. On March 15, 2016 a one-time payment was set up in the same amount.  Our records reflect the activity on Dr. [redacted]’s loans was reported accurately to the credit bureaus.  Any adjustments made to Dr. [redacted]’s credit report that is not warranted would compromise the integrity of the data.  We have verified that no error in reporting has occurred, and we will continue to report the factual credit history on Dr. [redacted]’s loans. As a third party servicer, Heartland ECSI is required to maintain the integrity of the credit information provided to the credit bureaus.  The Fair Credit Reporting Act requires furnishers of information to provide accurate information to the reporting agencies.   If Dr. [redacted] would like to talk with us directly, or has any other questions or information that could alert the results of this research, 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,
MRS [redacted], (Mr. [redacted]'s Wife)

Please note: Heartland ECSI is third party billing servicer on behalf of [redacted] Heartland ECSI must process Federal Perkins loan cancelation requests in accordance with regulations set forth be the Department of Education. On 02/12/2016 we received Ms. Hess’s request for cancelation...

form. The form states a Stamp, seal, or letter on letterhead from their place of employment is required. Being that her form was not certified in one of the ways stated above we had to deny the request. We emailed Ms. Hess on 02/12 advising why it was denied and requested she provide the additional documentation to have the cancelation processed. The only record we have of Ms. Hess contacting us is from 03/11/2016. She spoke with one of our live chat representatives. They explained what was needed to process the cancelation and advised Ms. Hess to fax us her employer certification. On 03/15/2016 we received the needed employer certification form via fax. We processed it and her Perkins loan reflects paid in full as of 03/15.  If any other assistance is needed Ms. Hess may contact Tony Gump, Supervisor of customer service directly at ###-###-####.

Please note: Heartland ECSI is third party billing servicer on behalf of Campus Door. Ms. [redacted] alerted a representative at Heartland ECSI on 02/23/2016 that a payment was cashed by ECSI from her consolidation company. We apologize for this representatives misunderstanding of consolidation....

Mostly our business deals with consolidation directly through the DOED, where only specific loans are eligible. We have coached this representative on third party consolidations. Our representative submitted a research ticket to look into Ms. [redacted]’s missing consolidation payment because he was not able to locate a record of the payment. On 02/24/2016 Campus door sent us a copy of the cashed check from Ms. [redacted] consolidation company. They requested we locate the payment and apply it to Ms. [redacted]’s account. Once we reviewed the copy of the check it was identified that the check was mailed directly to Campus door and cashed by them. We notified Campus Door of this, they located the funds and applied them to Ms. [redacted] account. Her account now reflects Paid in full. We called Ms. [redacted] on 02/26/2016 and let her know what happened and cleared up any confusion. She was satisfied that it was completed. If Ms. [redacted] would like any other assistance she may call Tony G[redacted] Supervisor of customer service at ###-###-####

To Whom This May Concern:   Heartland ECSI is the third party billing servicer for student loans on behalf of the [redacted].   We have reviewed Mr. Pirone’s account and determined that 9 attempts were made to pay the account in full on February 19 and 20, 2017. ...

Upon review of the transactional details, MasterCard declined the payment attempts. During the payment process and upon decline of the payment method, he would have received the following message “The credit card processor declined the transaction.” We are unable to view the decline reason.  Mr. [redacted] would need to contact Mastercard or the bank holding the card account for the exact reason for declined payments.   Our records do not show that Mr. [redacted] attempted to contact our customer service team regarding the declined payments or with assistance in making the payment on this account.   On February 24 and 27, 2017 a representative from Heartland ECSI attempted to reach Mr. [redacted] to discuss the letter sent to the Revdex.com regarding his difficulty in making the payment on the account.  We received his voicemail on each attempt and advised Mr. [redacted] via voice message that he would need to contact MasterCard for the detailed reason that the card was declined and, upon resolution with MasterCard, he could contact our Customer Service Team to asssit with processing the payment.   On February 27, 2017 Mr. [redacted] called our customer service team and successfully made payment in full on his account.  Hi account now reflects a balance of $0.00.   If Mr. [redacted] needs any further assistance, he is welcome to contact our Customer Service Department at ###-###-####.

Heartland ECSI received the deferment request on4.24.2015 at that time we forwarded the paperwork to your Campus. SinceHeartland is a third party billing servicer we have no authority to place adeferment or hold on your account. The deferment form submitted states “Inorder to prevent negative credit...

bureau reporting and account delinquencycontinue to make on-time payments until you have been notified that a defermentof forbearance has been posted.”  You would need to consult with either the collection agency or the debtor ([redacted]) to bring this loan out of default. Once an accounttransfers to collections Heartland ECSI can no longer accept payments or setuparrangements.

Heartland
ECSI formerly [redacted] is a third party servicer that currently
contracts with [redacted] University to provide third-party student loan
servicing for their Federal Perkins and Institutional student loan portfolios.   We
understand the borrower’s frustrations in learning...

of the negative reporting to
the credit bureaus.   I have carefully
reviewed Ms. [redacted]’s loan and determined that we did not receive any returned mail from the US Postal Service (which
would indicate an invalid address)  nor
did we received any notification from Ms. [redacted] that her address on file was no
longer valid until March 24, 2015. Her first payment was due on November 1,
2014.  Because we did not receive address
updates from the borrower in a timely manner, her billing statements were
being sent to an incorrect address.  This resulted in her loan becoming
105 days past due in February 2015 and 120 days past due in March 2015 at which
time it was transferred to a collection agency.    The Federal
Perkins Promissory note states that it’s the borrower responsibility to inform
the School of any change in their name, address or telephone number.  We
contacted the borrower on November 3, 2015 in regards to the email that she
sent to Mr. Ron Farmer on October 22, 2015. During the call, the negative
reporting on the borrower’s credit report was explained along with the
information that based on her Federal Perkins Student Loan Promissory Note it
is her responsibility to provide updates to her contact information to her
school lender. I
have contacted [redacted] University and the lender agrees with our review of the
borrower’s loan history and has determined that no change to the credit history
of her Federal Perkins Loan is warranted.  Any adjustments made to the
borrower’s credit report that is not warranted would compromise the integrity
of the data. We will continue to report the factual credit history on Ms.
[redacted]’s loan.  As a third party servicer, Heartland ECSI formerly [redacted] 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 this information to provide
accurate information to the reporting agencies.Heartland
ECSI hours of operation are from 8:00am to 8:00pm Eastern Time.  A borrower can speak to a live representative
or they can access their account online at our website www.mycampusloan.com and review the
most updated loan information.  We
apologize for any inconvenience this may have caused the complainant.Sincerely,Carrie
G[redacted]Manager
Loan Operations

March 20, 2018   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 The Ohio State University.   We have reviewed Ms. [redacted]’s account and the payment in question.  The check, dated July 16, 2017, contained contradictory terms and was processed based on UCC Article 3 Part 1 Sub Section 3-114 which states “If an instrument contains contradictory terms, typewritten terms prevail over printed terms, handwritten terms prevail over both, and words prevail over numbers.”   Ms. [redacted]’s statement generated August 7, 2017, for her August 25, 2017, installment included a message that indicated her account was past due. Also, on August 15, 2017, a one (1) month delinquent letter was generated and mailed to Ms. [redacted].   On August 16, 2017, Heartland ECSI processed Ms. [redacted]’s payment for her August 25, 2017, installment which included the funds ($0.39) that were not able to be applied from the check written July 16, 2017. Ms. [redacted]’s account was not reported late to the credit reporting agencies, and there were not any fees assessed to her account.   For her records, an image of the check in question is attached. If she would like to talk with us directly or has any other questions, she is welcome to contact our Customer Service Department at [redacted].

Heartland ECSI is the third party billing servicer for student loans on behalf of the [redacted]   The information you have provided is valuable, and we appreciate all feedback. Heartland ECSI is always considering improvements to our services...

to make them more convenient and easy to use as possible.                                         ...⇄ Upon review of Ms. [redacted]’ account, the loan is presently showing as in-school deferment. Since her account is showing as deferred Campus Partners and Heartland ECSI do not send communication to students until such time they are exiting deferment and entering repayment. If Ms. [redacted]’ account were in repayment she would receive notification as part of the standard system transfer communication plan. She would receive an inserted notification delivered with the last billing statement issued by the Campus Partners system as well as a Welcome Letter from Heartland ECSI upon transfer of the loan.   We apologize for the wait time Ms. [redacted] experienced while attempting to contact our office. We give each caller as much time as needed and this can lead to increased wait times. Heartland ECSI’s contact system allows callers a callback feature to save their place in line without staying on the phone.   Ms. [redacted] spoke with a representative at Heartland ECSI on February 28, 2017 who was able to assist her by providing her online account information. At that time Ms. [redacted] also escalated her concerns about wait times, and our callback feature to one of our team leads within the call center.   We have reviewed Ms. [redacted]’ call history, and also reached out to our service provider to ensure that the callback feature was/is functioning as expected during the days Ms. [redacted] called. We have identified that Ms. [redacted] successfully used the callback feature on February 28, 2017 when she spoke to our representative. We also identified that later in the evening of February 28, 2017 Ms. [redacted] again used our callback feature again successfully; however, upon callback our representative was unable to leave a message for Ms. [redacted] as her mailbox was full.   Our system indicates that on March 8, 2017 Heartland ECSI processed a payment received from Ms. [redacted] in the amount of $200.00. Ms. [redacted] is welcome to continue mailing a paper check or money order via U.S. Postal Service to our lockbox at Heartland ECSI, [redacted]. We also provide various payment methods online using our website at https://heartland.ecsi.net/.   If Ms. [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 the [redacted] Upon review of Ms. [redacted]’s account, the following was determined:Ms. [redacted]’s account went into repayment status in March 2016.  Her...

fixed payment amount is $71.07.Her first payment was due on April 1, 2016. On April 26, 2016, we received a payment made via electronic check in the amount of $148.14.  This payment was for two (2) monthly payments and included a $6.00 late fee for her April 2016 payment.  This payment was rejected by her bank as they were unable to locate the account that she had entered. On May 9, 2016, a 45-day past due letter was mailed to Ms. [redacted].   On May 31, 2016, she contacted our Customer Service Department via Live Chat.  She advised that she received a notice that her account was past due, however, she had already made a payment and was not paying again.  We did advise her that the payment she made on April 26, 2016 was rejected by her bank because they were unable to locate the account that she had provided. On June 1, 2016, she called our Customer Service Department via toll-free phone and wanted to know why her payment was returned and she was not making the payment again.  We again advised her that the payment she made on April 26, 2016 was rejected by her bank because they were unable to locate the account that she had provided.  She also stated that the monies were taken from the bank account and not returned.  We advised that our records did not indicate or show that information. On June 2, 2016, she called our Customer Service Department via toll-free phone and stated that we lost her payment.  We again advised her that the payment she made on April 26, 2016 was rejected by her bank because they were unable to locate the account that she had provided.   On June 2, 2016, we received an online payment in the amount of $71.07.  However, at the time of making the payment, Ms. [redacted]’s account was past due and she owed $251.21 which included three (3 monthly payments of $7.017 plus three (3) $6.00 late fees, plus one (1) $20.00 payment rejection fee).   On June 20, 2016, Ms. [redacted] called our Customer Service Department via toll-free phone and wanted to make payment arrangements.  We advised her that based on direction from the University there were no options to make payment arrangements. On June 25, 2016, we received an online payment in the amount of $155.21.  This however, at the time of making the payment did not bring her account current.   On July 27, 2016, we received a payment of $73.07.  Again, this payment did not bring her account current.   While the past due amount cannot be forgiven, on August 8, 2016, Heartland ECSI reached out to Ms. [redacted] to attempt to set up a forbearance on her account which would assist in bringing her account current.  A forbearance, however, will not change any prior credit reporting.   We cannot submit any correction to the credit reporting agencies.  As a third party servicer, we are required to maintain the integrity of the credit information provided to the credit bureaus. Based on the Fair Credit Reporting Act (FCRA) furnishers of information are required to provide accurate information to the reporting agencies, and any adjustments made to credit report that is not warranted would compromise the integrity of the data. Upon review of Ms. [redacted]’s account it has been determined that our records reflect accurate reporting has been supplied to the credit bureaus which show that Ms. [redacted]’s account was 30 days past due in June of 2016. If Ms. [redacted] would like to talk with us directly, or has any other questions, she is welcome to contact our customer service team at ###-###-####.  Sincerely,Scott K[redacted]Quality Assurance ManagerHeartland ECSI

ECSI is the loan servicer on behalf of the Department of Education (the Department) for Federal Perkins Loans that have been assigned to the Department.  Mr. [redacted]’s concerns, as we understand them, regarding his Federal Perkins Loan, are as follows: 1.      ...

His Graduate School attempted to notify ECSI that he was currently enrolled and in good standing for a deferment. 2.       Mr. [redacted] contacted ECSI customer service multiple times to advise he was currently enrolled and in good standing for a deferment. 3.       Mr. [redacted] feels that the customer service representative was unwilling to update his loan status resulting in negative credit bureau reporting and him not being able to register for classes due to not having financial aid. 4.       Mr. [redacted] wants his account status updated, all negative credit reporting removed, and an apology for what he feels was poor customer service. Regarding the first concern, ECSI is not able to provide information about or discuss an account with any party that is not the borrower or authorized party of the borrower.  Authorization to provide information or discuss an account is required in writing.  A written authorization was not provided by Mr. [redacted] for his school to contact us about his Federal Perkins Loan. In regards to the second and third concerns, ECSI has no record of communication from Mr. [redacted] prior to his phone call to ECSI on 10/14/2015 and again on 10/22/205.  In both instances, our customer service representative provided Mr. [redacted] with detailed instructions on how to apply for a deferment.  Mr. [redacted] indicated that the customer service representative was rude, uncaring, and refused to update his account, however, ECSI pulled the call recordings and found no evidence that the customer service representative was rude or refused to provide Mr. [redacted] with the information needed.  The reason for the negative credit bureau reporting transmitted by ECSI was the fact that Mr. [redacted]’s payment for his Federal Perkins Loan was showing past due.  In regards to the fourth concern, Mr. [redacted] must submit a General Request for Deferment form.  This form can be located on our website at www.eflps.com under Students and Download Forms.  Instructions are provided on the form.  We cannot place a deferment on a Federal Perkins Loan account without the proper paperwork and documentation.  ECSI would be happy to assist Mr. [redacted] with applying for a deferment.  If Mr. [redacted]’s deferment is approved, we will work with Mr. [redacted] to update his account to a current status and correct negative credit bureau reporting, if necessary.  For additional assistance, Mr. [redacted] may contact ECSI Federal Perkins Loan Servicer at ###-###-####.

February 2, 2018   ID: [redacted]   [redacted]
  To Whom This May Concern:   Heartland ECSI is the third party billing servicer for student loans on behalf of Robert Morris University Illinois.  ...

We have reviewed Ms. [redacted]’s account, and determined that our records reflect the activity on Ms. [redacted]’s loan was reported accurately to the credit bureaus based on the payment history.  We have verified that no error in reporting has occurred, we will continue to report the factual credit history on her loan.   Ms. [redacted]’s payment for her November 1, 2017 installment was rejected from her banking institution as unable to locate account. A payment was not received for the December 1, 2017 installment until January 3, 2018. The payment received January 3, 2018 was an amount to cover the installments due November 1, 2017, December 1, 2018, and January 1, 2018.   On January 26, 2018 and January 29, 2018 Heartland ECSI contacted Ms. [redacted] to discuss her payment history, and recent credit reporting. In those conversations Ms. [redacted] indicated that she would pursue legal action should her credit history not be altered. Heartland ECSI is not permitted to misrepresent the information as the Fair Credit Reporting Act requires furnishers of information provide accurate information to the reporting agencies.   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].

November 9, 2017 ID: [redacted] To Whom This May Concern: Heartland ECSI is the third-party billing servicer for student loans on behalf of Sam Houston State University. We have reviewed...

unidentified checks and determined that a consolidation check was received for Ms [redacted]’s account. It was found that the payment was not applied to her account because the check showing the last name as “[redacted]”. Since a match was not found, the check was returned for additional information. Heartland ECSI has reached out to the consolidation company to obtain a new check.  We have placed a hold on Ms. [redacted]’s account to prevent billing, additional interest, fees, credit reporting, and advancement to collection until a new consolidation check has been received. An adjustment has also been made to her account to amend her last name to show as “[redacted]”. Any late fees assessed to her account due to this matter have been removed. Her account is being reported to the credit reporting agencies as current and in good standing through October of 2017. Information reported to the credit agencies may take 60 days to update. 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].

October 6, 2017   ID: [redacted]   [redacted] [redacted]
* To Whom This May Concern:   Heartland ECSI is the third party billing servicer for student loans on behalf of Michigan Technological...

University.   In reviewing Mr. [redacted]’s account, his Federal Perkins loan entered into repayment in April 2016 with his first payment being due on April 1, 2016.  His fixed monthly payment amount was $40.00.   On September 23, 2016, he entered into a rehabilitation agreement with the first payment being due on October 1, 2016 and final payment being due on June 1, 2017.  His monthly payment under the rehabilitation agreement was $40.00.   Paper billing statements were delivered on a monthly basis to the address that Mr. [redacted] has on file.  Each billing statement was delivered with the following memo located under the breakdown of amount due:  REHABILITATION IN PROGRESS. After your 9th consecutive ON TIME PAYMENT your account will be current and any negative credit bureau history will be removed. You must pay at least $40.00. Failure to make a payment ON TIME will void this agreement.   On January 10, 2017, a memo was placed on his billing statement to alert him that his January 1, 2017 payment under the rehabilitation agreement was not received.  The memo read as follows:  Your scheduled rehab payment has not been received. Rehab will automatically end if your payment is not received by 01/21/2017.   We did not receive payment by January 21, 2017 and therefore, the rehabilitation agreement was cancelled and his account moved back to a standard in-repayment status on January 23, 2017.                                         ...⇄ On September 30, 2017, Mr. [redacted]’s entered into a new rehabilitation agreement with the first payment being due on November 1, 2017 and the final payment being due on July 1, 2018.  His monthly payment under the rehabilitation agreement is $40.00.  The rehabilitation agreement was amended on October 9, 2017 to include the previous nine (9) paid installments under the new rehabilitation agreement.  Those paid installments are as follows:   1.       February 6, 2017 for February 1, 2017 2.       February 13, 2017 for March 1, 2017 3.       March 17, 2017 for April 1, 2017 4.       April 24, 2017 for May 1, 2017 5.       May 25, 2017 for June 1, 2017 6.       June 29, 2017 for July 1, 2017 7.       July 28, 2017 for August 1, 2017 8.       September 18, 2017 for September 1, 2017 9.       October 2, 2017 for October 1, 2017   Based on this amendment of the new rehabilitation agreement, Heartland ECSI was able to apply $80.00 in late fees paid during the rehabilitation period to his principal balance. His next fixed installment of $40.00 is due on November 1, 2017. Mr. [redacted]’s account status and credit history will be amended per the rehabilitation agreement. Information reported to the credit agencies may take 60 days to update.   If he would like to talk with us directly or has any other questions, he is welcome to contact our Customer Service Department at [redacted].

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.  [redacted] is wonderful! Thank you!
Regards,
[redacted]