Our records show that you have contacted us by web three times: 05/07/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/Ticket # [redacted] : You were provided byemail with all possible payment options.· 06/03/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 messageOurrecords do not indicate that you have tried to call us as we directed in theresponse provided to you on 05/07/(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 webHeartland ECSI accepts checkingaccount and savings account-based automatic payments for free as long as thepayment is scheduled at least hours before the date that the payment isscheduled to drawWe 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 advanceThe DirectPayment web module is closed on the draw dateIf 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 $instant web payment, or a credit card payment for $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 paymentsCard-based transactions are an option made available to you foryour convenience and do carry a feeYou are made aware of this fee and agreeto it during the verification stage of payment processingBecause 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 monthIn 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 futureWe hope that you enjoy our new look whenit becomes available!
To Whom This May Concern: Heartland ECSI is the third party billing servicer on behalf of [redacted] We have reviewed Mr [redacted] ’s account and balance history which reflected a balance of $at the start of the reviewThis balance was due to a shortage of the payoff received June 9, On June 13, Mr [redacted] called in to Heartland ECSI’s call center to confirm his payoff was received and his balanceOur representative explained there was a small balance due to past due interest accrued at the time the payoff was received, and how a payment could be madeOur representative provided our website to Mr [redacted] , and also emailed credentials to himMr [redacted] asked about getting a clearance letter, and he was informed that after he paid the remaining balance the school would send to himDuring the time after this call no additional payments have been receivedThis shortage has continued to increase over the past months with fees and interest On November 29, after receiving Mr [redacted] ’s complaint and reviewing his account history Heartland ECSI reached out to [redacted] University confirmed that the account was not in a paid in full status and there was still a balanceDuring that communication the representative from [redacted] University agreed to waive the past due interest, accrued fees, and the remaining principal balance back to the original date of the payoff received June 9, On November 30, the adjustments to Mr [redacted] ’s account were completed which included updating the credit reporting to show the account as paid in full back to June Updated information that has been reported to the credit agencies may take 30-days to update On November 30, an attempt was made by Heartland ECSI representatives to contact Mr [redacted] to discuss the outcome of our research and inquiry with [redacted] At this time a message was left for Mr [redacted] 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]
November 30, Case: [redacted] [redacted] To Whom This May Concern: ECSI Federal Perkin’s Loan Servicer (ECSI) is the billing servicer for student loans on behalf of the U.SDepartment of Education We have reviewed Mr [redacted] ’ account, and his account was posted with a student deferment January to July Due to a date conflict with the Student Loan Clearinghouse additional deferments were not posted to the account ECSI has adjusted Mr [redacted] ’ account and credit history from the time ECSI started servicing the accountMr [redacted] ’ 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 to reflect updated information We attempted to contact Mr [redacted] on November 28, to discuss the adjustment to his account; however, he was not availableIf 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] Sincerely, Jocelyn S [redacted] Quality Management ECSI Federal Perkin’s Loan Servicer
Heartland ECSI processes cancellation paperwork in accordancewith Perkins loans many regulationsWe apologize for how stressful thisprocess has been for ***We are internally addressing why this issue wasn’t resolvedsoonerWe clearly see how this has caused undue stress and we’re taking immediatesteps to ensure this doesn’t occur with future loan holdersWe have applied the fifth and final year of cancellation tothis accountThe loan is now reflected as paid in fullAdditionally credit reportinghas been changed to “current and in good” standing for the last twelve monthsOn10/31/we will report the loan as Paid in Full to the major creditbureausWe called [redacted] on 10/13/and 10/14/There was no answer; a voicemail was left with adirect contact number
Heartland ECSI has received the updated employment verification, and completed the processing of the cancellation paperwork of Mr [redacted] 's Federal Perkins loan as of December 20, The account now shows the balance as cancelled.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]
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[redacted] had my updated New Mexico address, as I had received mail from them
March 20, ID: [redacted] [redacted] To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of Loma Linda University We have received Mr [redacted] ’s account and determined that the University’s student loan servicing was transferred from ACS to Heartland ECSI in December At the time the loan is transferred from the previous student loan servicer (ACS) to Heartland ECSI, we delivered a Welcome Letter that contains all pertinent transfer information such as contact, website, billing date, and recurring payments Also, we provide a 60-day grace period from the date of the transfer which is outlined in the Welcome Letter This means that during the 60-day period after the loan was transferred, no late fees are applied, and credit reporting is heldIn Mr [redacted] ’s case, the credit reporting would begin March On March 13, 2018, Mr [redacted] talked with a customer service advocate Our advocate was able to assist him with the use of the website, including disabling his pblocker which is required to view online billing statements Mr [redacted] set up recurring payments on January 4, 2018, and the statements generated January 22, 2018, and February 21, 2018, indicated that the recurring payment was not sufficient to cover the monthly installmentsThe additional amount of $is equal to the amount that was not covered by the recurring payments of $for the February and March installments, and the amount of $would be the total amount due for his March installment should Mr [redacted] which to cancel his $recurring paymentOur customer service advocate also explained that the credit reporting would not be starting until the end of March, and his account would not be reported lateOur customer service advocate confirmed Mr [redacted] had set up a payment to bring his account current, and Mr [redacted] would need to set up new recurring payments for an amount equal to or greater than his installment amount due for future paymentsThe statement for Mr [redacted] ’s April 10, 2018, installment would be generated on/about March 20, 2018, which would show his account is current and in good standing On March 15, 2018, and March 16, 2018, Heartland ECSI attempted to contact Mr [redacted] to inquire if he needed additional assistanceEach time a message was left for her to contact our officeIf he would like to talk with us directly, or has any other questions, he is welcome to contact our Customer Service Department at [redacted]
January 19, ID: [redacted] [redacted] To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of West Virginia UniversityWe have reviewed Ms [redacted] ’s account, and the statement created for her January 1, installment was generated on December 11, with a late fee assessed to the account for the installment due December 1, The statement indicates her account is days past due which factors in days for postal mail deliveryThe payment was received and applied to her account on December 12, which covered the late fee assessedThe 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 days past dueNo negative credit reporting was submitted since the payment was received, and Ms [redacted] ’s account was reported as currentBased 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 principalThe payment received December 12, followed this application processOn January 17, Heartland ECSI spoke with Ms [redacted] to discuss her accountOur representative also coordinated with Ms [redacted] and her banking institution to assist her in the recovery of the late fee from her banking institutionMs [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]
Heartland ECSI is a third party loan servicer that servicesstudent loans on behalf of multiple colleges, universities and the departmentof educationPerkins loans regulations and credit reporting laws regardingstudent loans do not allow Heartland ECSI to change credit reporting forbilling issues Multiple emails were sent to alert the account holder of the impending negativecredit reporting as soon as the first payment was missedOn 12/23/an urgentlate notice was mailed to the address on fileThat address was updated by somebodylogging into the University of Miami ECSI account on 2/24/A diluentnotice call was made on 12/26/to the phone number that was verifiedcorrect on 2/24/when the University of Miami online account was accessedLettersand calls were made monthly until 4/7/At that time the account was putwith a collection agency per University of Miami due to nonpaymentWhen an account that Heartland ECSI services is sent to collections the onlineaccount will state to call ECSI to make a payment or go over account specifics.It doesn’t allow a user to make an online payment and it will not state themonths past due or the current account balance as it may differ to what thecollection agency hasAt this current time Heartlands website will not show multipleloans with separate schoolsHowever you must login with the “school code”.Each school has its own login since we are a third party servicer and not aconsolidation companyThat is why a specific schools code is needed to loginInthis instance we would suggest rehabilitation if the school is willing toremove it from collectionsAs that’s the only way to remove credit reportingfrom this type of federal loanSince that has been done there isn’t anything elseHeartland ECSI can do in this situation
February 15, ID: [redacted] [redacted] To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of Pomona CollegeOn February 1, Heartland ECSI received a call from Mr [redacted] requesting that the payment applied to his [redacted] loan be adjusted and applied to his [redacted] loanOn February 9, the adjustment was completedOn February 9, Mr [redacted] contacted Pamona College through email who confirmed that the payments had been adjusted On February 12, Heartland ECSI attempted to reach Mr [redacted] to discuss his loans and payment optionsA message was left for Mr [redacted] to contact us at his earliest opportunityOn February 12, Mr [redacted] contacted Pamona College through email who confirmed that the loans were showing current and in good standingHeartland ECSI welcomes Mr [redacted] to set up a user profile on our account portal which can be found at https://heartland.ecsi.netOnce a user profile is created, Mr [redacted] will need to link his Pamona College account using his Heartland Key numberThe Heartland Key can be located in the upper right hand area of all printed and mailed communications from Heartland ECSIThe 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 codeMr [redacted] can review both of his loans’ information online after profile is created and account has been linkedUsers paying through our account portal have several options when making a payment onlineSome of these payment methods may result in a service fee being added to a payment amount thereby increasing the total paymentService 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 enteredThe user does have the ability to review this information before submitting the paymentIf 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]
Any payment made outside of the monthly due date of the 1stof the month is subject to fees (late, collection, due diligence letter, duediligence phone calls)In addition, should any payments be returned due to insufficientfunds or inability to locate an account, an NSF fee could also be assessed All borrowershave the ability to view account transactions or account details through theironline account at www.borrowers.ecsi.net.In review of [redacted] ***’s account, there was a requestsubmitted to have the $payment made 3/10/applied toward the Marchand April, instead of having the additional monies applied toward principalIhave reviewed the adjustment and waived the $late fee and $phone feeassessed due the adjustment taking place after the April bill had beengeneratedThe account is now showing current with an amount due of $on6/1/
Please note Heartland ECSI is a third party loan servicer for [redacted] ***Ms [redacted] Federal Perkins Loan was in student deferment/grace until August 1st with the first payment due on 08/01/The July 20th payment submitted online by [redacted] was rejected on 07/24/by her financial institutionMs [redacted] ’s bank stated the account number submitted was not recognizedAn email was sent on July 24th to ***’s email account in an effort to notify her of the payment rejectingOn 08/11/***’s account was days past dueA late notice was mailed to the address on her account.On 08/27/Ms [redacted] logged into her online Heartland ECSI account and made one electronic check payment for $This payment was rejected by her bank on 09/04/for the same reason listed aboveAlso on the 27th Ms [redacted] setup reoccurring monthly payments to start on 9/20/By submitting a payment online Ms [redacted] agreed to the terms and conditions which required her to verify the bank account information entered was correct.On 09/11/a letter was mailed to notify Ms [redacted] if her account isn’t brought current it would result in negative credit reporting.On 09/20/the reoccurring ACH payment Ms [redacted] setup online on 08/27/was withdrawnOn 09/25/Ms [redacted] ’s bank rejected this payment, again stating they were not able to locate the checking account with the numbers entered by Ms [redacted] On 09/30/Heartland ECSI reported ***’s Perkins Loan as thirty days past dueAs a student loan servicer Heartland ECSI must adhere to laws and regulations surrounding Federal Perkins Loans and credit reportingSince 09/30/we have contacted [redacted] and set her account up on a rehabilitation programUpon completion of the rehabilitation program Heartland ECSI will remove all credit reporting in regards to her Perkin’s loan
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: His Graduate School attempted to notify ECSI that he was currently enrolled and in good standing for a deferment Mr [redacted] contacted ECSI customer service multiple times to advise he was currently enrolled and in good standing for a deferment 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 Mr [redacted] wants his account status updated, all negative credit reporting removed, and an apology for what he feels was poor customer serviceRegarding 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 LoanIn 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/and again on 10/22/ 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 ###-###-####
This is a copy of the email I sent to lenderI will be filing another complaint today and I expect some kind of actionTHE COMPANY NEVER RESPONDED TO ME OR NEVER UPDATED ME ON STATUS OF MY PAPERWORK AND I WAS WAITING FOR THEIR RESPONSE:I made a recent inquiry about my paperwork and received NO RESPONSE.I still am not aware of the status of my loan.Your company LIED and told the Revdex.com that you responded by saying I sent inappropriate paperworkI received NO SUCH RESPONSE.I also RECEIVED NO PHONE CALLS REGARDING THISI had put my current information on the ORIGINAL PAPERWORK I DOWNLOADED FROM YOUR WEBSITE AND MAILED IN, that you claimed you receivedI only began receiving notices saying I was months lateI tried to call your customer service line but NO ONE ANSWERED and I tried the callback feature but NO ONE RETURNED MY CALL EVER.I am reopening this case with Revdex.com and with the CFPB and I expect results or I will take legal measures.I sent the paperwork to you AGAIN along with the raised seal from [redacted] CONSOLIDATED SCHOOLS, Title school which I have been employed with from LAST AUGUST.Sincerely, [redacted]
January 11, ID: [redacted] [redacted] To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of the University of Wisconsin MadisonWe have reviewed Ms [redacted] ’s account, and have identified that a refund is pending from the UniversityThe University has indicated that they have audited the balance on the loan, and the refund will be issued on or about January 23, On January 10, Heartland ECSI contacted Ms [redacted] to inform her approximately when the pending refund would be issuedWe apologize that two payments were drafted against Ms [redacted] ’s accountOur system indicates that two unique transactions were created by Ms [redacted] on January 1, at 1:PM and 1:PMMs [redacted] should have received a separate confirmation email and number for each transactionWe will continue to review Ms [redacted] ’s transactions to identify measures to implement to avoid this from happening in the futureIf Ms [redacted] would like to talk with us directly, or has any other questions, he is welcome to contact our Customer Service Department at [redacted]
Please note: Heartland ECSI is third party billing servicer on behalf of Campus DoorMs [redacted] alerted a representative at Heartland ECSI on 02/23/that a payment was cashed by ECSI from her consolidation companyWe apologize for this representatives misunderstanding of consolidation Mostly our business deals with consolidation directly through the DOED, where only specific loans are eligibleWe have coached this representative on third party consolidationsOur 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 paymentOn 02/24/Campus door sent us a copy of the cashed check from Ms [redacted] consolidation companyThey requested we locate the payment and apply it to Ms [redacted] ’s accountOnce we reviewed the copy of the check it was identified that the check was mailed directly to Campus door and cashed by themWe notified Campus Door of this, they located the funds and applied them to Ms [redacted] accountHer account now reflects Paid in fullWe called Ms [redacted] on 02/26/and let her know what happened and cleared up any confusionShe was satisfied that it was completedIf Ms [redacted] would like any other assistance she may call Tony G [redacted] Supervisor of customer service at ###-###-####
Heartland ECSI is the third party billing servicer for student loans on behalf of the [redacted] ***We have reviewed Ms***’s account and have identified that she has a Nursing loan with a fixed monthly payment of $due on the 22nd of each month After a review of her account, we identified the following actions on the account· Ms [redacted] was set up for recurring payments for her account There was a payment drawn on May 22, in the amount of $which was for her May 22, payment period · Heartland ECSI runs account calculations on a monthly basis Ms***’s account was calculated on May 25, for her June 22, payment An electronic billing statement was delivered to the email address on file which was [redacted] · On June 5, 2017, her recurring payments were removed from her account No further automated payment were drawn from her account· On June 26, 2017, we ran the account calculation on her account for her July 22, payment This statement reflected a past due amount because her June 22, payment was not received The statement reflected a payment was due for July 22nd in the amount of $and a payment was past due for her June 22nd payment in the amount of $ This brought the total amount due to $· On July 6, 2017, we received two (2) paper check payments from Ms*** These two checks totaled $ At the time the checks were posted to the account there was a total due of $ The $payment left a balance due of $ NOTE: Heartland ECSI posts all payments in accordance with Federal regulations The order of posting of the payments is: Fees (example: late fees), Past Due Interest, Current Interest, Past Due Principal, and Current Principal · On July 25, 2017, we ran the account calculation on her account for her August 22, payment This statement reflected a past due amount The statement reflected a payment was due for August 22nd in the amount of $and a past due amount of $bringing the total amount due to $· On August 10, 2017, we received two (2) paper checks for from Ms*** These two checks totaled $ We posted $to her account for the August 22nd payment and $to the page due amount This left a payment balance of $which was applied to the principal on her account We have confirmed that although her account was past due, credit reporting for her account remained as current and in good standingWe have also have confirmed that all payments posted to her account were posted appropriately and according to Federal regulations/guidelinesWe hope this detail of events resolves any concerns as to how her payments have been appliedIf Ms [redacted] would like to talk with us directly, or has any other questions, she 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 Illinois Institute of TechnologyHeartland 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 accountMr [redacted] stated he did not receive any call or message on September 13, therefore Heartland ECSI retracts any reference to a call attempted or made to Mr [redacted] on such dateHeartland ECSI apologizes that a call did not reach Mr [redacted] on September 13, Heartland ECSI’s system indicates that a Paid in Full letter was generated on September 21, 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.SPostal Service as we do not control deliveryAny date provided should have been provided as estimation with a disclaimer that it is subject to the variable that we do not control deliveryHeartland ECSI regrets if Mr [redacted] was provided any date other than the date the Paid in Full letter was createdWe have attached a copy of a newly generated Paid in Full letter such that Mr [redacted] has a copy for his recordsHeartland 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 thereafterHeartland ECSI confirmed the data transmission to the bureaus was successfully sent on August 31, 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 $with Current-Good Standing (code 11) for all prior monthsAt the time of this credit data transmission the payment applied to Mr [redacted] ’s account August 31, 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, the day following the balance update to his account, therefore, Mr [redacted] ’s credit data was not alteredHeartland ECSI does not have access to review the credit history shown by Innovis and Equifax, however, on August 28, Heartland ECSI initiated an Automated Universal Data (AUD) through e-OSCAR for a tradeline update on Mr [redacted] ’s accountThis was done to request his credit history to be updated, if needed, to show as Paid in Full (code 13) with a balance of $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 $for the past months with Current-Good Standing (code 11) for all prior monthsShould 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 dataIf Mr [redacted] would like to talk with us directly, or has any other questions, he is welcome to contact our Customer Service Department at ###-###-####
We are happy to assist you with your concernsHeartland ECSI is the servicerfor your Perkins loans through Carlow UniversityIn review of your billing andpayment history, your Perkins loan was paid in full on 3/4/with a paymentof $This loan was then reported as paid in full the last day of themonth, March 2013, to all three credit bureaus and the NSLDSHeartland ECSIdoes not report any loans to FASFAIf you would like to request a copy of yourPIF letter, we would be happy to provide you with oneSimply contact ourcustomer service department at ###-###-####Thank you for providing us the opportunityto better assist youRegards,Heartland ECSI
Heartland ECSI is the third-party loan servicer on behalf of [redacted] University As part of the services provided to [redacted] ***, Heartland ECSI issues forms to students and/or borrowers that have loans through the University Heartland ECSI does offer a web service for students and/or borrowers to view the status of their tax document and/or retrieve their document if they consented to an electronic form When the student/borrower accesses their loan account, they are provided with a link to view their Tax Information While the alert box does state that all tax documents will be available and mailed by January 31st, it also provide a link to pull their tax document information from the system If a tax document cannot be located, they are asked to review the Student Loan Tax Incentives link (https://cgi.ecsi.net/taxinfo.html) This page provides a resource link to https://www.irs.gov/taxtopics/tc456.html wherein it is stated that “If you paid $or more of interest on a qualified student loan during the year, you will receive a Form 10980E, Student Loan Interest Statement, from the entity to which you paid the student loan interest” After review of Ms***’s loan account, it was verified that she did not pay more than $in interest Therefore, a 1098-E tax form was not generated and/or mailed Ms [redacted] did call our customer service center and we informed her of the above information Additionally, we provided her with the amount of interest that was paid so that she could complete her tax filing and advised that the interest paid in is noted on the bottom portion of the billing statement
Our records show that you have contacted us by web three times: 05/07/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/Ticket # [redacted] : You were provided byemail with all possible payment options.· 06/03/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 messageOurrecords do not indicate that you have tried to call us as we directed in theresponse provided to you on 05/07/(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 webHeartland ECSI accepts checkingaccount and savings account-based automatic payments for free as long as thepayment is scheduled at least hours before the date that the payment isscheduled to drawWe 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 advanceThe DirectPayment web module is closed on the draw dateIf 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 $instant web payment, or a credit card payment for $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 paymentsCard-based transactions are an option made available to you foryour convenience and do carry a feeYou are made aware of this fee and agreeto it during the verification stage of payment processingBecause 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 monthIn 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 futureWe hope that you enjoy our new look whenit becomes available!
To Whom This May Concern: Heartland ECSI is the third party billing servicer on behalf of [redacted] We have reviewed Mr [redacted] ’s account and balance history which reflected a balance of $at the start of the reviewThis balance was due to a shortage of the payoff received June 9, On June 13, Mr [redacted] called in to Heartland ECSI’s call center to confirm his payoff was received and his balanceOur representative explained there was a small balance due to past due interest accrued at the time the payoff was received, and how a payment could be madeOur representative provided our website to Mr [redacted] , and also emailed credentials to himMr [redacted] asked about getting a clearance letter, and he was informed that after he paid the remaining balance the school would send to himDuring the time after this call no additional payments have been receivedThis shortage has continued to increase over the past months with fees and interest On November 29, after receiving Mr [redacted] ’s complaint and reviewing his account history Heartland ECSI reached out to [redacted] University confirmed that the account was not in a paid in full status and there was still a balanceDuring that communication the representative from [redacted] University agreed to waive the past due interest, accrued fees, and the remaining principal balance back to the original date of the payoff received June 9, On November 30, the adjustments to Mr [redacted] ’s account were completed which included updating the credit reporting to show the account as paid in full back to June Updated information that has been reported to the credit agencies may take 30-days to update On November 30, an attempt was made by Heartland ECSI representatives to contact Mr [redacted] to discuss the outcome of our research and inquiry with [redacted] At this time a message was left for Mr [redacted] 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]
November 30, Case: [redacted] [redacted] To Whom This May Concern: ECSI Federal Perkin’s Loan Servicer (ECSI) is the billing servicer for student loans on behalf of the U.SDepartment of Education We have reviewed Mr [redacted] ’ account, and his account was posted with a student deferment January to July Due to a date conflict with the Student Loan Clearinghouse additional deferments were not posted to the account ECSI has adjusted Mr [redacted] ’ account and credit history from the time ECSI started servicing the accountMr [redacted] ’ 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 to reflect updated information We attempted to contact Mr [redacted] on November 28, to discuss the adjustment to his account; however, he was not availableIf 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] Sincerely, Jocelyn S [redacted] Quality Management ECSI Federal Perkin’s Loan Servicer
Heartland ECSI processes cancellation paperwork in accordancewith Perkins loans many regulationsWe apologize for how stressful thisprocess has been for ***We are internally addressing why this issue wasn’t resolvedsoonerWe clearly see how this has caused undue stress and we’re taking immediatesteps to ensure this doesn’t occur with future loan holdersWe have applied the fifth and final year of cancellation tothis accountThe loan is now reflected as paid in fullAdditionally credit reportinghas been changed to “current and in good” standing for the last twelve monthsOn10/31/we will report the loan as Paid in Full to the major creditbureausWe called [redacted] on 10/13/and 10/14/There was no answer; a voicemail was left with adirect contact number
Heartland ECSI has received the updated employment verification, and completed the processing of the cancellation paperwork of Mr [redacted] 's Federal Perkins loan as of December 20, The account now shows the balance as cancelled.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]
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[redacted] had my updated New Mexico address, as I had received mail from them
March 20, ID: [redacted] [redacted] To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of Loma Linda University We have received Mr [redacted] ’s account and determined that the University’s student loan servicing was transferred from ACS to Heartland ECSI in December At the time the loan is transferred from the previous student loan servicer (ACS) to Heartland ECSI, we delivered a Welcome Letter that contains all pertinent transfer information such as contact, website, billing date, and recurring payments Also, we provide a 60-day grace period from the date of the transfer which is outlined in the Welcome Letter This means that during the 60-day period after the loan was transferred, no late fees are applied, and credit reporting is heldIn Mr [redacted] ’s case, the credit reporting would begin March On March 13, 2018, Mr [redacted] talked with a customer service advocate Our advocate was able to assist him with the use of the website, including disabling his pblocker which is required to view online billing statements Mr [redacted] set up recurring payments on January 4, 2018, and the statements generated January 22, 2018, and February 21, 2018, indicated that the recurring payment was not sufficient to cover the monthly installmentsThe additional amount of $is equal to the amount that was not covered by the recurring payments of $for the February and March installments, and the amount of $would be the total amount due for his March installment should Mr [redacted] which to cancel his $recurring paymentOur customer service advocate also explained that the credit reporting would not be starting until the end of March, and his account would not be reported lateOur customer service advocate confirmed Mr [redacted] had set up a payment to bring his account current, and Mr [redacted] would need to set up new recurring payments for an amount equal to or greater than his installment amount due for future paymentsThe statement for Mr [redacted] ’s April 10, 2018, installment would be generated on/about March 20, 2018, which would show his account is current and in good standing On March 15, 2018, and March 16, 2018, Heartland ECSI attempted to contact Mr [redacted] to inquire if he needed additional assistanceEach time a message was left for her to contact our officeIf he would like to talk with us directly, or has any other questions, he is welcome to contact our Customer Service Department at [redacted]
January 19, ID: [redacted] [redacted] To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of West Virginia UniversityWe have reviewed Ms [redacted] ’s account, and the statement created for her January 1, installment was generated on December 11, with a late fee assessed to the account for the installment due December 1, The statement indicates her account is days past due which factors in days for postal mail deliveryThe payment was received and applied to her account on December 12, which covered the late fee assessedThe 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 days past dueNo negative credit reporting was submitted since the payment was received, and Ms [redacted] ’s account was reported as currentBased 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 principalThe payment received December 12, followed this application processOn January 17, Heartland ECSI spoke with Ms [redacted] to discuss her accountOur representative also coordinated with Ms [redacted] and her banking institution to assist her in the recovery of the late fee from her banking institutionMs [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]
Heartland ECSI is a third party loan servicer that servicesstudent loans on behalf of multiple colleges, universities and the departmentof educationPerkins loans regulations and credit reporting laws regardingstudent loans do not allow Heartland ECSI to change credit reporting forbilling issues Multiple emails were sent to alert the account holder of the impending negativecredit reporting as soon as the first payment was missedOn 12/23/an urgentlate notice was mailed to the address on fileThat address was updated by somebodylogging into the University of Miami ECSI account on 2/24/A diluentnotice call was made on 12/26/to the phone number that was verifiedcorrect on 2/24/when the University of Miami online account was accessedLettersand calls were made monthly until 4/7/At that time the account was putwith a collection agency per University of Miami due to nonpaymentWhen an account that Heartland ECSI services is sent to collections the onlineaccount will state to call ECSI to make a payment or go over account specifics.It doesn’t allow a user to make an online payment and it will not state themonths past due or the current account balance as it may differ to what thecollection agency hasAt this current time Heartlands website will not show multipleloans with separate schoolsHowever you must login with the “school code”.Each school has its own login since we are a third party servicer and not aconsolidation companyThat is why a specific schools code is needed to loginInthis instance we would suggest rehabilitation if the school is willing toremove it from collectionsAs that’s the only way to remove credit reportingfrom this type of federal loanSince that has been done there isn’t anything elseHeartland ECSI can do in this situation
February 15, ID: [redacted] [redacted] To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of Pomona CollegeOn February 1, Heartland ECSI received a call from Mr [redacted] requesting that the payment applied to his [redacted] loan be adjusted and applied to his [redacted] loanOn February 9, the adjustment was completedOn February 9, Mr [redacted] contacted Pamona College through email who confirmed that the payments had been adjusted On February 12, Heartland ECSI attempted to reach Mr [redacted] to discuss his loans and payment optionsA message was left for Mr [redacted] to contact us at his earliest opportunityOn February 12, Mr [redacted] contacted Pamona College through email who confirmed that the loans were showing current and in good standingHeartland ECSI welcomes Mr [redacted] to set up a user profile on our account portal which can be found at https://heartland.ecsi.netOnce a user profile is created, Mr [redacted] will need to link his Pamona College account using his Heartland Key numberThe Heartland Key can be located in the upper right hand area of all printed and mailed communications from Heartland ECSIThe 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 codeMr [redacted] can review both of his loans’ information online after profile is created and account has been linkedUsers paying through our account portal have several options when making a payment onlineSome of these payment methods may result in a service fee being added to a payment amount thereby increasing the total paymentService 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 enteredThe user does have the ability to review this information before submitting the paymentIf 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]
Any payment made outside of the monthly due date of the 1stof the month is subject to fees (late, collection, due diligence letter, duediligence phone calls)In addition, should any payments be returned due to insufficientfunds or inability to locate an account, an NSF fee could also be assessed All borrowershave the ability to view account transactions or account details through theironline account at www.borrowers.ecsi.net.In review of [redacted] ***’s account, there was a requestsubmitted to have the $payment made 3/10/applied toward the Marchand April, instead of having the additional monies applied toward principalIhave reviewed the adjustment and waived the $late fee and $phone feeassessed due the adjustment taking place after the April bill had beengeneratedThe account is now showing current with an amount due of $on6/1/
Please note Heartland ECSI is a third party loan servicer for [redacted] ***Ms [redacted] Federal Perkins Loan was in student deferment/grace until August 1st with the first payment due on 08/01/The July 20th payment submitted online by [redacted] was rejected on 07/24/by her financial institutionMs [redacted] ’s bank stated the account number submitted was not recognizedAn email was sent on July 24th to ***’s email account in an effort to notify her of the payment rejectingOn 08/11/***’s account was days past dueA late notice was mailed to the address on her account.On 08/27/Ms [redacted] logged into her online Heartland ECSI account and made one electronic check payment for $This payment was rejected by her bank on 09/04/for the same reason listed aboveAlso on the 27th Ms [redacted] setup reoccurring monthly payments to start on 9/20/By submitting a payment online Ms [redacted] agreed to the terms and conditions which required her to verify the bank account information entered was correct.On 09/11/a letter was mailed to notify Ms [redacted] if her account isn’t brought current it would result in negative credit reporting.On 09/20/the reoccurring ACH payment Ms [redacted] setup online on 08/27/was withdrawnOn 09/25/Ms [redacted] ’s bank rejected this payment, again stating they were not able to locate the checking account with the numbers entered by Ms [redacted] On 09/30/Heartland ECSI reported ***’s Perkins Loan as thirty days past dueAs a student loan servicer Heartland ECSI must adhere to laws and regulations surrounding Federal Perkins Loans and credit reportingSince 09/30/we have contacted [redacted] and set her account up on a rehabilitation programUpon completion of the rehabilitation program Heartland ECSI will remove all credit reporting in regards to her Perkin’s loan
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: His Graduate School attempted to notify ECSI that he was currently enrolled and in good standing for a deferment Mr [redacted] contacted ECSI customer service multiple times to advise he was currently enrolled and in good standing for a deferment 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 Mr [redacted] wants his account status updated, all negative credit reporting removed, and an apology for what he feels was poor customer serviceRegarding 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 LoanIn 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/and again on 10/22/ 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 ###-###-####
This is a copy of the email I sent to lenderI will be filing another complaint today and I expect some kind of actionTHE COMPANY NEVER RESPONDED TO ME OR NEVER UPDATED ME ON STATUS OF MY PAPERWORK AND I WAS WAITING FOR THEIR RESPONSE:I made a recent inquiry about my paperwork and received NO RESPONSE.I still am not aware of the status of my loan.Your company LIED and told the Revdex.com that you responded by saying I sent inappropriate paperworkI received NO SUCH RESPONSE.I also RECEIVED NO PHONE CALLS REGARDING THISI had put my current information on the ORIGINAL PAPERWORK I DOWNLOADED FROM YOUR WEBSITE AND MAILED IN, that you claimed you receivedI only began receiving notices saying I was months lateI tried to call your customer service line but NO ONE ANSWERED and I tried the callback feature but NO ONE RETURNED MY CALL EVER.I am reopening this case with Revdex.com and with the CFPB and I expect results or I will take legal measures.I sent the paperwork to you AGAIN along with the raised seal from [redacted] CONSOLIDATED SCHOOLS, Title school which I have been employed with from LAST AUGUST.Sincerely, [redacted]
January 11, ID: [redacted] [redacted] To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of the University of Wisconsin MadisonWe have reviewed Ms [redacted] ’s account, and have identified that a refund is pending from the UniversityThe University has indicated that they have audited the balance on the loan, and the refund will be issued on or about January 23, On January 10, Heartland ECSI contacted Ms [redacted] to inform her approximately when the pending refund would be issuedWe apologize that two payments were drafted against Ms [redacted] ’s accountOur system indicates that two unique transactions were created by Ms [redacted] on January 1, at 1:PM and 1:PMMs [redacted] should have received a separate confirmation email and number for each transactionWe will continue to review Ms [redacted] ’s transactions to identify measures to implement to avoid this from happening in the futureIf Ms [redacted] would like to talk with us directly, or has any other questions, he is welcome to contact our Customer Service Department at [redacted]
Please note: Heartland ECSI is third party billing servicer on behalf of Campus DoorMs [redacted] alerted a representative at Heartland ECSI on 02/23/that a payment was cashed by ECSI from her consolidation companyWe apologize for this representatives misunderstanding of consolidation Mostly our business deals with consolidation directly through the DOED, where only specific loans are eligibleWe have coached this representative on third party consolidationsOur 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 paymentOn 02/24/Campus door sent us a copy of the cashed check from Ms [redacted] consolidation companyThey requested we locate the payment and apply it to Ms [redacted] ’s accountOnce we reviewed the copy of the check it was identified that the check was mailed directly to Campus door and cashed by themWe notified Campus Door of this, they located the funds and applied them to Ms [redacted] accountHer account now reflects Paid in fullWe called Ms [redacted] on 02/26/and let her know what happened and cleared up any confusionShe was satisfied that it was completedIf Ms [redacted] would like any other assistance she may call Tony G [redacted] Supervisor of customer service at ###-###-####
Heartland ECSI is the third party billing servicer for student loans on behalf of the [redacted] ***We have reviewed Ms***’s account and have identified that she has a Nursing loan with a fixed monthly payment of $due on the 22nd of each month After a review of her account, we identified the following actions on the account· Ms [redacted] was set up for recurring payments for her account There was a payment drawn on May 22, in the amount of $which was for her May 22, payment period · Heartland ECSI runs account calculations on a monthly basis Ms***’s account was calculated on May 25, for her June 22, payment An electronic billing statement was delivered to the email address on file which was [redacted] · On June 5, 2017, her recurring payments were removed from her account No further automated payment were drawn from her account· On June 26, 2017, we ran the account calculation on her account for her July 22, payment This statement reflected a past due amount because her June 22, payment was not received The statement reflected a payment was due for July 22nd in the amount of $and a payment was past due for her June 22nd payment in the amount of $ This brought the total amount due to $· On July 6, 2017, we received two (2) paper check payments from Ms*** These two checks totaled $ At the time the checks were posted to the account there was a total due of $ The $payment left a balance due of $ NOTE: Heartland ECSI posts all payments in accordance with Federal regulations The order of posting of the payments is: Fees (example: late fees), Past Due Interest, Current Interest, Past Due Principal, and Current Principal · On July 25, 2017, we ran the account calculation on her account for her August 22, payment This statement reflected a past due amount The statement reflected a payment was due for August 22nd in the amount of $and a past due amount of $bringing the total amount due to $· On August 10, 2017, we received two (2) paper checks for from Ms*** These two checks totaled $ We posted $to her account for the August 22nd payment and $to the page due amount This left a payment balance of $which was applied to the principal on her account We have confirmed that although her account was past due, credit reporting for her account remained as current and in good standingWe have also have confirmed that all payments posted to her account were posted appropriately and according to Federal regulations/guidelinesWe hope this detail of events resolves any concerns as to how her payments have been appliedIf Ms [redacted] would like to talk with us directly, or has any other questions, she 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 Illinois Institute of TechnologyHeartland 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 accountMr [redacted] stated he did not receive any call or message on September 13, therefore Heartland ECSI retracts any reference to a call attempted or made to Mr [redacted] on such dateHeartland ECSI apologizes that a call did not reach Mr [redacted] on September 13, Heartland ECSI’s system indicates that a Paid in Full letter was generated on September 21, 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.SPostal Service as we do not control deliveryAny date provided should have been provided as estimation with a disclaimer that it is subject to the variable that we do not control deliveryHeartland ECSI regrets if Mr [redacted] was provided any date other than the date the Paid in Full letter was createdWe have attached a copy of a newly generated Paid in Full letter such that Mr [redacted] has a copy for his recordsHeartland 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 thereafterHeartland ECSI confirmed the data transmission to the bureaus was successfully sent on August 31, 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 $with Current-Good Standing (code 11) for all prior monthsAt the time of this credit data transmission the payment applied to Mr [redacted] ’s account August 31, 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, the day following the balance update to his account, therefore, Mr [redacted] ’s credit data was not alteredHeartland ECSI does not have access to review the credit history shown by Innovis and Equifax, however, on August 28, Heartland ECSI initiated an Automated Universal Data (AUD) through e-OSCAR for a tradeline update on Mr [redacted] ’s accountThis was done to request his credit history to be updated, if needed, to show as Paid in Full (code 13) with a balance of $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 $for the past months with Current-Good Standing (code 11) for all prior monthsShould 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 dataIf Mr [redacted] would like to talk with us directly, or has any other questions, he is welcome to contact our Customer Service Department at ###-###-####
We are happy to assist you with your concernsHeartland ECSI is the servicerfor your Perkins loans through Carlow UniversityIn review of your billing andpayment history, your Perkins loan was paid in full on 3/4/with a paymentof $This loan was then reported as paid in full the last day of themonth, March 2013, to all three credit bureaus and the NSLDSHeartland ECSIdoes not report any loans to FASFAIf you would like to request a copy of yourPIF letter, we would be happy to provide you with oneSimply contact ourcustomer service department at ###-###-####Thank you for providing us the opportunityto better assist youRegards,Heartland ECSI
Heartland ECSI is the third-party loan servicer on behalf of [redacted] University As part of the services provided to [redacted] ***, Heartland ECSI issues forms to students and/or borrowers that have loans through the University Heartland ECSI does offer a web service for students and/or borrowers to view the status of their tax document and/or retrieve their document if they consented to an electronic form When the student/borrower accesses their loan account, they are provided with a link to view their Tax Information While the alert box does state that all tax documents will be available and mailed by January 31st, it also provide a link to pull their tax document information from the system If a tax document cannot be located, they are asked to review the Student Loan Tax Incentives link (https://cgi.ecsi.net/taxinfo.html) This page provides a resource link to https://www.irs.gov/taxtopics/tc456.html wherein it is stated that “If you paid $or more of interest on a qualified student loan during the year, you will receive a Form 10980E, Student Loan Interest Statement, from the entity to which you paid the student loan interest” After review of Ms***’s loan account, it was verified that she did not pay more than $in interest Therefore, a 1098-E tax form was not generated and/or mailed Ms [redacted] did call our customer service center and we informed her of the above information Additionally, we provided her with the amount of interest that was paid so that she could complete her tax filing and advised that the interest paid in is noted on the bottom portion of the billing statement