January 5, ID: [redacted] [redacted] To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of Pomona CollegeWe have reviewed Mr [redacted] ’s account and determined that his institutional loan was transferred to Heartland ECSI in August of The address, telephone and email address supplied to Heartland ECSI from the prior servicer does not match what was provided herein We were able to locate three (3) calls from Mr [redacted] from a *** area code phone number on December 19, It appears that only of the three calls was successfully routed to our callback feature, however, upon review of the callback the representative was not properly connected with Mr [redacted] The remaining two calls were disconnected prior to completion of the callback promptsTo avoid callers using our callback feature from disconnecting early we are working with vendor to amend the scripting to add prompts to alert callers utilizing this feature that they must remain on the line until they are provided the prompt that their place in line has been successfully saved and they may now disconnect their callOn January 4, a representative from Heartland ECSI was able to speak with Mr [redacted] We have updated his demographics information to match his most up to date information, and he will be submitting a payment to pay the remaining balance on his account Mr [redacted] ‘s account is being reported to the credit reporting agencies as current and in good standingA request was submitted to the credit agencies on December 5, to update the credit information as currentThe reported information may take up to days to update by the credit agenciesIf 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]
I'm disappointed that Heartland ECSI continues to assert that it called me on 9/13/ That representation is false It is also defamatory and disparaging, as Heartland ECSI made that statement to attempt to create a record that suggests that I was not diligent in monitoring my account or communicating with Heartland ECSI about its failure to properly process my final paymentSince Heartland ECSI continues to falsely assert that it called me on 9/13/17, I would like Heartland ECSI to provide me with a phone record demonstrating that they called me on 9/13/17, and an audio file of the voicemail they allegedly left me on 9/13/(which I dispute) If Heartland ECSI cannot produce that information to me within days of today (by 10/4/17), then they need to provide me with a retraction and an apology for publishing their false, defamatory, and disparaging statements to Revdex.com If they fail to do any of the foregoing by 10/4/17, copies of this e-mail chain will be sent to the US Department of Education, Illinois Attorney General's Office, and my law school I will also be forced to consider my litigation options against ECSI.Additionally, when I spoke to Heartland ECSI's rep on 9/21, he advised that he had mailed my paid in full letter that day, and that I would receive it by 9/ It is now 9/27, and I have not received the paid in full letter Heartland ECSI's representations continue to be and fraudulent Please provide me with a paid in full later no letter than 5:Central Daylight Time (CDT) on Friday, September 29, If they fail to do so, I will be forced to retain counsel and file an action for declaratory judgment and breach of the master promissory noteFinally, I checked my credit scores today to determine whether Heartland ECSI made any negative reports to the credit bureau's for their fraudulent failure to process my final payment Heartland ECSI has not reported my loan status to the credit bureaus since July Heartland ECSI's reports to the credit bureaus state that there is still approximately $1,due and owing on my loan This statement is false, inaccurate, and defamatoryI hereby demand that within days of this e-mail (by the 5:CDT October 4, 2017), Heartland ECSI submit an accurate update to the credit bureaus stating that my loan is paid in full and closed and provide me with proof of the same Failure to comply with this request will again force me to retain counsel and consider filing an action for defamation and violations of the Fair Credit Reporting ActThank you for your continued assistance in this matter I hope that Heartland ECSI will soon start behaving like a responsible corporate citizen, and will follow the law, so that we both can focus on other more pressing mattersit suggests that I was not diligent in monitoring my account or dealing with this information Regards, [redacted]
December 12, ID: [redacted] [redacted] To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of the Massachusetts Department of Higher EducationWe have reviewed Ms [redacted] ’s account, and determined that she has a no-interest loan with fixed monthly installments that began with the first installment due on June 1, Payments on the account were set up on May 25, utilizing our online self-service portal to draw on the 20th of each month starting June 20, continuing until the loan was paid in fullOn October 12, Ms [redacted] called our office to discuss the past due balance on her account, and it was determined that the charges were due to the payments being drawn days after the installment’s due dateShe was instructed to adjust the payment’s draw date to the first of the month, and our representative would request an adjustment of past due balance that had accrued on the account beginning when the recurring payments were started on June 20, On December 5, new recurring payments were set up utilizing our new student account portal to draw on the 1st of each month starting January 1, On December 6, Ms [redacted] ’s account was adjusted as indicated on the call October 12, to apply $in fees paid to principal, and removed the recent $fee that was shown dueThe account now shows current with no past due amounts or feesWe attempted to contact Ms [redacted] on December 6, and December 7, Both calls resulted in messages left for Ms [redacted] to contact our office to discuss her accountIf 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 loans with the University serviced through Heartland ECSI: a Perkins, [redacted] and [redacted] loanThe Perkins and [redacted] loans are in repayment with fixed monthly installments of $and $respectively which are due on the 1st of each monthThese two loans entered in to a repayment status with the first installment due April 1, The [redacted] loan is presently deferred, and no payments are presently due Dr [redacted] ’s account is set up to receive electronic billing statementsThe electronic billing statement notifications were sent to [redacted] @gmail.com only for the first electronic billing statement generated on March 10, 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 W 164th Street, Apt 22B, New York, NY 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, that several attempts were made to avoid Dr [redacted] missing a payment or having any negative credit history: electronic billing statement was emailed: March 10, paper billing statements were mailed: April 11, 2016; May 10, 2016; June 10, 2016; July 11, 2016; August 10, late notices were mailed: May 9, (days); May 25, (days); July 1, (days); July 25, (final) After the receipt of the payment on September 12, of $our records indicate that the next successful payment was received months later on January 25, in the amount of $The third payment and most recent payment on the account was received on March 15, for $which brought the account currentDr [redacted] ’s account is presently not set up for any recurring payments, and a total of $is due on May 1, We researched Dr [redacted] ’s comments about making recurring online payments that did not draw as expectedTwo recurring online payments were made using our self-service web portalThe first recurring payment was set up on November 19, to draw $each month on the 1st until the loan was paid in full; however, the recurring payment was cancelled on December 6, when the bank rejected the payment due to invalid accountThe second recurring payment was set up on March 13, to draw $each month on the 15th for months; however, the transaction was cancelled by Dr [redacted] on March 14, On March 15, 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 loansAs 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 ###-###-####
We are happy to assist your with your concernsHeartland ECSI does not reportthe status of Perkins Loan payment to FAFSAOn the date in which your accountis paid in full, it is then reported to the NSLDS and the major credit bureaureporting agenciesIf you have any additional questions surroundinginformation with your FAFSA, you may need to consider reaching out to yourprovider of higher educationThank you for allowing us the opportunity tobetter assist youThank you,Heartland ECSI
March 9, Case: [redacted] [redacted] To Whom This May Concern: ECSI Federal Perkin’s Loan Servicer (EFPLS) is the billing servicer for student loans on behalf of the U.SDepartment of Education We have reviewed Ms [redacted] ’s account, and our records indicate that on February 1, Ms [redacted] set up a recurring payment on our self-service portal to draft monthly on the 1st of each month beginning February 1, The payment amount was in excess of her monthly installment, and drafted a second time on March 1, The additional funds from the payment were applied to her principal balance when applied to her account EFPLS confirmed the U.SDepartment of Education Treasury Department’s process for refund is a to week process, and refunds must be the entire payment amountEFPLS contacted Ms [redacted] on March 9, 2018, outlined the refund process and timeline, and explained that an alternative was to apply the additional funds from Ms [redacted] ’s March 1, payment towards future payments and delete the pre-existing recurring payments Ms [redacted] agreed with this solution, and her account is now set up with funds set aside as future payments to cover her April, May and June installmentsIf 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] Sincerely, Jocelyn S [redacted] Quality Management ECSI Federal Perkin’s Loan Servicer
February 8, 2018 ID: [redacted] [redacted] To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of Georgia State... University. We have reviewed Mr. [redacted] ’s account, and determined that the interest paid in 2017 for his Federal Perkins Loan was $52.50. This information is available through our self-service portal under connected accounts where the connected account tile/window states “Tax Documents & Information”. 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 9, ID: [redacted] [redacted] To Whom This May Concern: Heartland ECSI is the third-party billing servicer for student loans on behalf of Sam Houston State UniversityWe have reviewed unidentified checks and determined that a consolidation check was received for Ms [redacted] ’s accountIt 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 informationHeartland 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 receivedAn 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 removedHer account is being reported to the credit reporting agencies as current and in good standing through October of Information reported to the credit agencies may take days to updateIf 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]
August 24, ID: [redacted] [redacted] To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of Berea College We apologize that Ms [redacted] experienced frustration with our borrower account portal On August 23, a Heartland ECSI representative contacted Ms [redacted] to discuss her concerns and discuss payments options Heartland ECSI committed to making quarterly payments available on our website through a recent update; however, any students with mixed payment cycles such as Ms [redacted] ’s will still be required to call our customer service at 888-in order to set up recurring payments accurately for accounts with mixed payment cycles Ms [redacted] may make her payment by mailing a check or money order in addition to online optionsShe should make the check payable to her school and mail to: School Name, c/o Heartland ECSI, P.OBox 718, Wexford, PA We ask that she please include her Heartland Key or Account Number in the memo section of her check or money order As an optional service, we provide the ability for students and borrowers to make online paymentsSince Ms [redacted] has mixed payment cycles on the loans within her account the recurring options are disabledSome of these payment methods may result in a service fee being added to a payment amount thereby increasing the total paymentService fees allow us to provide a higher level of security for your personal information and more efficient payment processingThey also cover the cost of processing when using electronic payment methods If one of the following options is used, a service fee will be added to the payment amount: · One-time credit or debit card payment · One-time direct debit (checking or savings account) payment · Recurring credit or debit card payment [disabled for mixed payment cycles] Actual service fees will be displayed after the payment amount is enteredThe user does have the ability to review this information before submitting the payment There are also several fee-free payment options: · Recurring direct debit (checking or savings account) payment [disabled for mixed payment cycles] · Mail check or money order · Using a banking institution's or third-party billing servicePlease note that a bank or a third-party billing service may charge a fee to submit the payment on the pay behalf This information is also displayed to all users prior to advancing to the payment options on our website On August 18, Ms [redacted] successfully changed her billing method from e-bill to receive a paper billing statements through our borrower account portalIf at any time Ms [redacted] is curious about her amount due, or if she would like to view past statements, we recommend she sign in to her profile, select the institution, click View Account, and then select History In order to further assist Ms [redacted] we have provided her a copy of her most recent e-billing statement created August 10, If Ms [redacted] would like to talk with us directly, or has any other questions, she is welcome to contact our Customer Service Department at 888-549-
[redacted] To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of Berea College Heartland ECSI is not billing Ms [redacted] on her Bagby loan with Berea CollegeThe Bagby loan was set up by the College on Heartland ECSI’s system of record to be billed annually with $installments; however, the loan has a permanent stop to prevent any principal from being billedSince the loan does not carry interest, the loan will not be billed until such time as the stop has been removed Heartland ECSI reached out to Berea College and confirmed that the account is not to be billed at this time, but she should receive an annual statement on the remaining balance on the Bagby loanThe College further stated that Ms [redacted] is not required to pay on the loan if her circumstances do not permit If Ms [redacted] would like to talk with us directly, or has any other questions, she is welcome to contact our Customer Service Department at 888-549-
Heartland ECSI is the third party billing servicer for student loans on behalf of Brandeis University We have reviewed MsRai’s account and determined she has two loans with different payment cyclesMs [redacted] has a Perkins loan with quarterly payments due in March, June, September, and DecemberShe also has a Brandeis Saval loan with payments due each month On July 18, 2017, Ms [redacted] spoke with Heartland ECSI representatives who contacted her after receiving an email communication that she was having issues correcting her recurring payments Our representatives were able to set up her quarterly and monthly payments as Ms [redacted] intended and to her satisfaction Heartland ECSI updated our borrower account portal in to outline that students with a quarterly repayment schedule should not use our website to set up recurring payments as the recurring payments set up on our website will draw monthly We apologize that Ms [redacted] experienced this frustration with our borrower account portal Heartland ECSI is committed to making self-service quarterly payments available on our website through an upcoming release; however, any students with mixed payment cycles such as Ms [redacted] will still be required to call our customer service at ###-###-#### in order to set up recurring payments accurately for accounts with mixed payment cycles 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 ###-###-####
Heartland ECSI is a third party loan billing servicer on behalf of The [redacted] After a review of Mr [redacted] ’s account we have found the following: On July 1st he setup monthly reoccurring payments to be withdrawn from his checking account for $He set the payments to stop drafting after the June payment was withdrawnThe combined fixed monthly payment for both of his loans is $We verified the statements sent to him listed the correct fixed payment amountAfter August of monthly phone calls and letters were sent to Mr [redacted] notifying him of the incorrect payment amountThe University and Heartland ECSI received a letter in January of disputing the account’s delinquency statusA letter and email was sent back explaining that his AutoDraft was lower than the minimum fixed payment amountOn November 11th the University mailed a letter advising his account would be placed with a collection agency because his AutoDraft stopped after June On February 12th his account was placed with a collection agencyWhile under the collection agency Mr [redacted] ’s account would have been subject to collection fees In March of Mr [redacted] ’s University removed his account from collections, removing the collection feesAt the end of May they mailed another letter advising his account would be turned over to collectionsOn July 6th a payment was received paying the account off in fullAs a third party servicer, Heartland ECSI is required to maintain the integrity of credit information provided to the three major credit bureaus The Fair Credit Reporting Act requires furnishers of information to provide accurate information to the reporting agenciesIf Mr [redacted] has any other questions he may contact our loan servicing department at ###-###-####
To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of [redacted] We have reviewed Mr***’s account and have determined that the account entered into repayment status in March of with first fixed payment due on April 1, in the amount of $During initial sof the account, Mr [redacted] selected to receive electronic bills only which would be directed to ***.***@ [redacted] Below is a communication and transactional timeline of Mr***’s account: On 1/10/2016, Heartland ECSI generated an electronic notification to Mr [redacted] stating that his grace period will end on 3/1/and his $monthly fixed payments will begin on 4/1/On 3/10/2016, we generated an e-bill and delivered it to Mr [redacted] for his first payment that was due on 4/1/in the amount of $ On 4/11/2016, we generated a paper bill to Mr [redacted] for his payment that was due on 5/1/of in the amount of $This amount included the April and May monthly fixed payment of $plus a late fee of $ Because Mr [redacted] became past due, we delivered a paper bill to the address that we had on fileOn 5/9/2016, we generated a 45-day late letter that was delivered to Mr [redacted] identifying the account as days late On 5/10/2016, we generated a paper bill to Mr [redacted] for his payment that was due on 6/1/in the amount of $This amount included the April, May and June monthly fixed payment of payments of $and also included late payment fees of $eachOn 5/13/2016m we generated and delivered a day final demandOn 5/20/2016, our system logged an online transaction of $($payment and $processing fee) entered on our web portalThe account number and routing number used for this transaction were entered directly by Mr [redacted] through our online payment portalOn 5/27/2016, our records indicate that the payment was rejected by Mr***’s bank due to an Invalid Account NumberOn 5/27/2016, we generated and delivered an email to Mr [redacted] stating that his payment had been rejected by his bank and provided the reason for rejectionOn 5/27/2016, Mr [redacted] called our Customer Service Department to discuss the payment that was rejected by his bank During that call, our customer service representative (CSR) acknowledged that our system had not yet updated to reflect the rejected payment, but as a courtesy to the customer, we waived the $NSF fee that would be charged once updatedOur CSR recommended that Mr [redacted] call back after the first of the month since the system would not be updated to show the rejected payment until that timeOn 6/1/2016, Mr [redacted] called our Customer Service Department again to discuss the payment that was rejected by this bankDuring this call, our CSR misinterpreted the inquiry and indicated to Mr [redacted] that is account was showing as paid in full and Mr [redacted] should expect a paid in full letter soonThe CSR informed Mr [redacted] that no further action needed taken on the account On 6/1/our system completed updating Mr***’s account and reversed the payment previously processed of $This file update occurred hour after Mr***’s call into our offices On 6/10/our system generated an e-bill and delivered it to Mr [redacted] for his payment that would be due on July 1, in the amount of $which includes the past due balance of $($account balance plus in past due interest), three (3) late payment fees of $8.00, and a current amount due of $(current interest) On 6/29/2016, Mr [redacted] called our Customer Service Department to discuss the reversed payment, the last phone call on 6/1/whereby he was informed no further action was needed, and the recent bill receivedDuring that call our CSR waived the most recent $late fee for Mr [redacted] and set up a payment to draw on 7/1/for the amount of $ On 7/1/2016, we generated a due diligence call to Mr [redacted] to indicate that his account was past dueThe call instructed Mr [redacted] to set up a payment if he had not done so already On 7/1/2016, we processed the payment that was set up on 6/29/to pay and close Mr***’s accountOn 7/27/2016, Mr [redacted] called in to our call center to discuss the negative credit reporting that was generated during the reversal of his paymentThe account was reviewed and negative credit reporting was amended back to the beginning of his initial payment on 5/20/After complete audit of Mr***’s account, Heartland ECSI has confirmed the credit data reported to the credit bureaus has been adjusted to show his account in good standing and is now paid in fullSeveral messages have been left for Mr [redacted] to discuss the outcome of our research, and the change to his credit reportingIf Mr [redacted] would like to talk with us directly, or has any other questions, he is welcome to contact our customer service team at ###-###-####
Heartland ECSI apologizes that call on September 13, did not reach Mr [redacted] On September 21, Heartland ECSI did speak with Mr [redacted] to confirm his loan is paid in full, and that a Paid in Full letter was generated and mailed on September 21, 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 ###-###-####
Please note: Heartland ECSI is a third party billing processor for The [redacted] We understand how this has been a cumbersome and stressful process for Ms [redacted] Additionally we apologize for the time it has taken to resolve this issue Occasionally when a student has two of the same loans mailed payments do not apply correctly; especially if one loan is significantly larger than the other Once we are made aware that this type of issue is occurring our representative is to report it to our banking departmentThen we code the account to ensure future payments are applied correctlyWe have corrected this on Ms [redacted] ’s accountStarting 01/01/mailed payments should split correctly across the two loansHeartland ECSI is actively re-educating our representatives on this process Again we apologize it wasn’t corrected when it was first reportedWe are currently in the final stages of implementing a new check scanning systemOnce in operation it will alert us to any specific remittance or account anomalyFor any additional assistance please contact us at ###-###-####
To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of [redacted] We have reviewed Mr [redacted] s account and have determined that the account entered into repayment status with first fixed payment due on April 1, in the amount of $Based on the information on his account, Mr [redacted] s spoke with a customer service representative on August 22, at 6:pm EST Based on the school guidelines, our representative was able to offer him a one-time courtesy to waive the late fees Heartland ECSI was able to waive $in fees related to the account being past due Our representative also advised him that we could not make any change to the credit reporting history without him submitting the appropriate paperwork and that paperwork being approved based on the Federal Perkins loan guidelines At that time, our representative mentioned a forbearance entitlement MrSchaub ended the call without further direction on if he would file the appropriate paperworkOn August 31, at 4:pm EST, September 1, at 3:pm EST, and September 2, at 10:am EST, we attempted to contact MrSchaub to discuss rehabilitation on this loan to clear up any negative credit reporting history for this Federal Perkins Loan Messages were left for MrSchaub to return our call to his discuss optionsA representative from Heartland ECSI attempted reached out to MrSchaub August at 4:45PM, September at 3:15PM, and September at 10:50AMEach time we have left MrSchaub a message to contact our offices to review his entitlement options and to set up a repayment plan that could, if successfully completed, repair his credit while returning his account to positive repayment status If MrSchaub would like to talk with us directly, or has any other questions, he is welcome to contact our customer service team at 888-549-and ask specifically for Jocelyn If Jocelyn is unavailable, any other representative can assist him as his account is appropriately noted Sincerely,Scott K [redacted] Quality Assurance ManagerHeartland ECSI
Heartland ECSI is the third party billing servicer on behalf of [redacted] University We have reviewed Dr [redacted] ’s account and have determined that her Perkins Loan entered in to repayment status in June with the first fixed payment of $due July 1, On June 10, the first bill for Dr [redacted] ’s repayment was generated, and sent to the address on fileThe address on file at the time was shown as Heritage Drive Apt 7, Lansing MI The address was updated after receiving returned mail from the USPS on July 25, On August 9, Dr [redacted] ’s account was included as part of our due diligence calls on loans that have reach days past dueThe phone number we used in these attempts was ###-###-####After receiving a chat request from Dr [redacted] through our website on August 19, we were able to update her phone number During Dr [redacted] ’s chat on August 19, our representative set up a one-time payment of $128.25, but failed to set up recurring paymentsSince this led to Dr [redacted] ’s account being reported as late we have updated Dr [redacted] ’s account, and it is now being reported to the credit reporting agencies as current and in good standingInformation reported to the credit agencies may take 30-days to update According to the Perkins promissory note executed by Dr [redacted] , it is the obligation of the borrower to ensure that their contact information on file with the loan servicer is currentOur records show the following contact information: Mailing Address is [redacted] ***; Primary Phone is ###-###-####, and Email is [redacted] Should any contact information change in the future, please reach out to Heartland ECSI to provide any necessary updates If Dr [redacted] would like to talk with us directly, or has any other questions, he is welcome to contact our Customer Service Department at ###-###-#### Sincerely, Quality Assurance Manager Heartland ECSI
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] [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 Regards, [redacted] ***heartland ecsi regettted my initial payment in NovemberI was never notified, tilli received my December billI called to reconcile and proceeded to mail a check since the online payment system was not working effectivelyI was told no sysytend are 100% they processed wrong I made a payment and it is not my fault they processed incorrectlyI also made a payment for the previous present and at the time futureEcsi is extremely rude and unprofessional this particular company has a track record of doing this to consumers to acquire more interest, extend the loan and charge fees
Please note that Heartland ECSI is the loan servicer on behalf of the schoolHeartland ECSI does not retain any of the principal, interest, or other loanrelated fees such as late fees The payment processing fees are notmandatory fees to make a payment on your loan and are not part of the terms andconditions of your loan agreement, therefore, they would not be identified inthe promissory note or other disclosure-type documents.Heartland ECSI manages your student loan account and processes payments on behalf of theschool As an optional service, Heartland ECSI provides to the school theability for their students and borrowers to make online payments, which is manytimes a more convenient method The payment processing fee is a compilationof multiple fees that are charged when making an online payment, such asInterchange and Basis Points (charged by your card provider), gateway fees(charged by the payment intermediary), and system maintenance fees (to maintainthe link between your account, the payment gateway, and the paymentprocessor) When making a payment online, payment processing fees may bebased on a flat rate or a percentage of the amount being paidYou are not required to make your payment online and there are alternativeoptions To avoid paying the payment processing fee, you can mail a checkor money order to Heartland ECSI You may also sign up for recurring ACHpayments which are drawn from your checking or savings account on a regularbasis You can do this by logging into www.heartlandecsi.net
January 5, ID: [redacted] [redacted] To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of Pomona CollegeWe have reviewed Mr [redacted] ’s account and determined that his institutional loan was transferred to Heartland ECSI in August of The address, telephone and email address supplied to Heartland ECSI from the prior servicer does not match what was provided herein We were able to locate three (3) calls from Mr [redacted] from a *** area code phone number on December 19, It appears that only of the three calls was successfully routed to our callback feature, however, upon review of the callback the representative was not properly connected with Mr [redacted] The remaining two calls were disconnected prior to completion of the callback promptsTo avoid callers using our callback feature from disconnecting early we are working with vendor to amend the scripting to add prompts to alert callers utilizing this feature that they must remain on the line until they are provided the prompt that their place in line has been successfully saved and they may now disconnect their callOn January 4, a representative from Heartland ECSI was able to speak with Mr [redacted] We have updated his demographics information to match his most up to date information, and he will be submitting a payment to pay the remaining balance on his account Mr [redacted] ‘s account is being reported to the credit reporting agencies as current and in good standingA request was submitted to the credit agencies on December 5, to update the credit information as currentThe reported information may take up to days to update by the credit agenciesIf 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]
I'm disappointed that Heartland ECSI continues to assert that it called me on 9/13/ That representation is false It is also defamatory and disparaging, as Heartland ECSI made that statement to attempt to create a record that suggests that I was not diligent in monitoring my account or communicating with Heartland ECSI about its failure to properly process my final paymentSince Heartland ECSI continues to falsely assert that it called me on 9/13/17, I would like Heartland ECSI to provide me with a phone record demonstrating that they called me on 9/13/17, and an audio file of the voicemail they allegedly left me on 9/13/(which I dispute) If Heartland ECSI cannot produce that information to me within days of today (by 10/4/17), then they need to provide me with a retraction and an apology for publishing their false, defamatory, and disparaging statements to Revdex.com If they fail to do any of the foregoing by 10/4/17, copies of this e-mail chain will be sent to the US Department of Education, Illinois Attorney General's Office, and my law school I will also be forced to consider my litigation options against ECSI.Additionally, when I spoke to Heartland ECSI's rep on 9/21, he advised that he had mailed my paid in full letter that day, and that I would receive it by 9/ It is now 9/27, and I have not received the paid in full letter Heartland ECSI's representations continue to be and fraudulent Please provide me with a paid in full later no letter than 5:Central Daylight Time (CDT) on Friday, September 29, If they fail to do so, I will be forced to retain counsel and file an action for declaratory judgment and breach of the master promissory noteFinally, I checked my credit scores today to determine whether Heartland ECSI made any negative reports to the credit bureau's for their fraudulent failure to process my final payment Heartland ECSI has not reported my loan status to the credit bureaus since July Heartland ECSI's reports to the credit bureaus state that there is still approximately $1,due and owing on my loan This statement is false, inaccurate, and defamatoryI hereby demand that within days of this e-mail (by the 5:CDT October 4, 2017), Heartland ECSI submit an accurate update to the credit bureaus stating that my loan is paid in full and closed and provide me with proof of the same Failure to comply with this request will again force me to retain counsel and consider filing an action for defamation and violations of the Fair Credit Reporting ActThank you for your continued assistance in this matter I hope that Heartland ECSI will soon start behaving like a responsible corporate citizen, and will follow the law, so that we both can focus on other more pressing mattersit suggests that I was not diligent in monitoring my account or dealing with this information Regards, [redacted]
December 12, ID: [redacted] [redacted] To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of the Massachusetts Department of Higher EducationWe have reviewed Ms [redacted] ’s account, and determined that she has a no-interest loan with fixed monthly installments that began with the first installment due on June 1, Payments on the account were set up on May 25, utilizing our online self-service portal to draw on the 20th of each month starting June 20, continuing until the loan was paid in fullOn October 12, Ms [redacted] called our office to discuss the past due balance on her account, and it was determined that the charges were due to the payments being drawn days after the installment’s due dateShe was instructed to adjust the payment’s draw date to the first of the month, and our representative would request an adjustment of past due balance that had accrued on the account beginning when the recurring payments were started on June 20, On December 5, new recurring payments were set up utilizing our new student account portal to draw on the 1st of each month starting January 1, On December 6, Ms [redacted] ’s account was adjusted as indicated on the call October 12, to apply $in fees paid to principal, and removed the recent $fee that was shown dueThe account now shows current with no past due amounts or feesWe attempted to contact Ms [redacted] on December 6, and December 7, Both calls resulted in messages left for Ms [redacted] to contact our office to discuss her accountIf 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 loans with the University serviced through Heartland ECSI: a Perkins, [redacted] and [redacted] loanThe Perkins and [redacted] loans are in repayment with fixed monthly installments of $and $respectively which are due on the 1st of each monthThese two loans entered in to a repayment status with the first installment due April 1, The [redacted] loan is presently deferred, and no payments are presently due Dr [redacted] ’s account is set up to receive electronic billing statementsThe electronic billing statement notifications were sent to [redacted] @gmail.com only for the first electronic billing statement generated on March 10, 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 W 164th Street, Apt 22B, New York, NY 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, that several attempts were made to avoid Dr [redacted] missing a payment or having any negative credit history: electronic billing statement was emailed: March 10, paper billing statements were mailed: April 11, 2016; May 10, 2016; June 10, 2016; July 11, 2016; August 10, late notices were mailed: May 9, (days); May 25, (days); July 1, (days); July 25, (final) After the receipt of the payment on September 12, of $our records indicate that the next successful payment was received months later on January 25, in the amount of $The third payment and most recent payment on the account was received on March 15, for $which brought the account currentDr [redacted] ’s account is presently not set up for any recurring payments, and a total of $is due on May 1, We researched Dr [redacted] ’s comments about making recurring online payments that did not draw as expectedTwo recurring online payments were made using our self-service web portalThe first recurring payment was set up on November 19, to draw $each month on the 1st until the loan was paid in full; however, the recurring payment was cancelled on December 6, when the bank rejected the payment due to invalid accountThe second recurring payment was set up on March 13, to draw $each month on the 15th for months; however, the transaction was cancelled by Dr [redacted] on March 14, On March 15, 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 loansAs 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 ###-###-####
We are happy to assist your with your concernsHeartland ECSI does not reportthe status of Perkins Loan payment to FAFSAOn the date in which your accountis paid in full, it is then reported to the NSLDS and the major credit bureaureporting agenciesIf you have any additional questions surroundinginformation with your FAFSA, you may need to consider reaching out to yourprovider of higher educationThank you for allowing us the opportunity tobetter assist youThank you,Heartland ECSI
March 9, Case: [redacted] [redacted] To Whom This May Concern: ECSI Federal Perkin’s Loan Servicer (EFPLS) is the billing servicer for student loans on behalf of the U.SDepartment of Education We have reviewed Ms [redacted] ’s account, and our records indicate that on February 1, Ms [redacted] set up a recurring payment on our self-service portal to draft monthly on the 1st of each month beginning February 1, The payment amount was in excess of her monthly installment, and drafted a second time on March 1, The additional funds from the payment were applied to her principal balance when applied to her account EFPLS confirmed the U.SDepartment of Education Treasury Department’s process for refund is a to week process, and refunds must be the entire payment amountEFPLS contacted Ms [redacted] on March 9, 2018, outlined the refund process and timeline, and explained that an alternative was to apply the additional funds from Ms [redacted] ’s March 1, payment towards future payments and delete the pre-existing recurring payments Ms [redacted] agreed with this solution, and her account is now set up with funds set aside as future payments to cover her April, May and June installmentsIf 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] Sincerely, Jocelyn S [redacted] Quality Management ECSI Federal Perkin’s Loan Servicer
February 8, 2018 ID: [redacted] [redacted] To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of Georgia State... University. We have reviewed Mr. [redacted] ’s account, and determined that the interest paid in 2017 for his Federal Perkins Loan was $52.50. This information is available through our self-service portal under connected accounts where the connected account tile/window states “Tax Documents & Information”. 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 9, ID: [redacted] [redacted] To Whom This May Concern: Heartland ECSI is the third-party billing servicer for student loans on behalf of Sam Houston State UniversityWe have reviewed unidentified checks and determined that a consolidation check was received for Ms [redacted] ’s accountIt 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 informationHeartland 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 receivedAn 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 removedHer account is being reported to the credit reporting agencies as current and in good standing through October of Information reported to the credit agencies may take days to updateIf 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]
August 24, ID: [redacted] [redacted] To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of Berea College We apologize that Ms [redacted] experienced frustration with our borrower account portal On August 23, a Heartland ECSI representative contacted Ms [redacted] to discuss her concerns and discuss payments options Heartland ECSI committed to making quarterly payments available on our website through a recent update; however, any students with mixed payment cycles such as Ms [redacted] ’s will still be required to call our customer service at 888-in order to set up recurring payments accurately for accounts with mixed payment cycles Ms [redacted] may make her payment by mailing a check or money order in addition to online optionsShe should make the check payable to her school and mail to: School Name, c/o Heartland ECSI, P.OBox 718, Wexford, PA We ask that she please include her Heartland Key or Account Number in the memo section of her check or money order As an optional service, we provide the ability for students and borrowers to make online paymentsSince Ms [redacted] has mixed payment cycles on the loans within her account the recurring options are disabledSome of these payment methods may result in a service fee being added to a payment amount thereby increasing the total paymentService fees allow us to provide a higher level of security for your personal information and more efficient payment processingThey also cover the cost of processing when using electronic payment methods If one of the following options is used, a service fee will be added to the payment amount: · One-time credit or debit card payment · One-time direct debit (checking or savings account) payment · Recurring credit or debit card payment [disabled for mixed payment cycles] Actual service fees will be displayed after the payment amount is enteredThe user does have the ability to review this information before submitting the payment There are also several fee-free payment options: · Recurring direct debit (checking or savings account) payment [disabled for mixed payment cycles] · Mail check or money order · Using a banking institution's or third-party billing servicePlease note that a bank or a third-party billing service may charge a fee to submit the payment on the pay behalf This information is also displayed to all users prior to advancing to the payment options on our website On August 18, Ms [redacted] successfully changed her billing method from e-bill to receive a paper billing statements through our borrower account portalIf at any time Ms [redacted] is curious about her amount due, or if she would like to view past statements, we recommend she sign in to her profile, select the institution, click View Account, and then select History In order to further assist Ms [redacted] we have provided her a copy of her most recent e-billing statement created August 10, If Ms [redacted] would like to talk with us directly, or has any other questions, she is welcome to contact our Customer Service Department at 888-549-
[redacted] To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of Berea College Heartland ECSI is not billing Ms [redacted] on her Bagby loan with Berea CollegeThe Bagby loan was set up by the College on Heartland ECSI’s system of record to be billed annually with $installments; however, the loan has a permanent stop to prevent any principal from being billedSince the loan does not carry interest, the loan will not be billed until such time as the stop has been removed Heartland ECSI reached out to Berea College and confirmed that the account is not to be billed at this time, but she should receive an annual statement on the remaining balance on the Bagby loanThe College further stated that Ms [redacted] is not required to pay on the loan if her circumstances do not permit If Ms [redacted] would like to talk with us directly, or has any other questions, she is welcome to contact our Customer Service Department at 888-549-
Heartland ECSI is the third party billing servicer for student loans on behalf of Brandeis University We have reviewed MsRai’s account and determined she has two loans with different payment cyclesMs [redacted] has a Perkins loan with quarterly payments due in March, June, September, and DecemberShe also has a Brandeis Saval loan with payments due each month On July 18, 2017, Ms [redacted] spoke with Heartland ECSI representatives who contacted her after receiving an email communication that she was having issues correcting her recurring payments Our representatives were able to set up her quarterly and monthly payments as Ms [redacted] intended and to her satisfaction Heartland ECSI updated our borrower account portal in to outline that students with a quarterly repayment schedule should not use our website to set up recurring payments as the recurring payments set up on our website will draw monthly We apologize that Ms [redacted] experienced this frustration with our borrower account portal Heartland ECSI is committed to making self-service quarterly payments available on our website through an upcoming release; however, any students with mixed payment cycles such as Ms [redacted] will still be required to call our customer service at ###-###-#### in order to set up recurring payments accurately for accounts with mixed payment cycles 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 ###-###-####
Heartland ECSI is a third party loan billing servicer on behalf of The [redacted] After a review of Mr [redacted] ’s account we have found the following: On July 1st he setup monthly reoccurring payments to be withdrawn from his checking account for $He set the payments to stop drafting after the June payment was withdrawnThe combined fixed monthly payment for both of his loans is $We verified the statements sent to him listed the correct fixed payment amountAfter August of monthly phone calls and letters were sent to Mr [redacted] notifying him of the incorrect payment amountThe University and Heartland ECSI received a letter in January of disputing the account’s delinquency statusA letter and email was sent back explaining that his AutoDraft was lower than the minimum fixed payment amountOn November 11th the University mailed a letter advising his account would be placed with a collection agency because his AutoDraft stopped after June On February 12th his account was placed with a collection agencyWhile under the collection agency Mr [redacted] ’s account would have been subject to collection fees In March of Mr [redacted] ’s University removed his account from collections, removing the collection feesAt the end of May they mailed another letter advising his account would be turned over to collectionsOn July 6th a payment was received paying the account off in fullAs a third party servicer, Heartland ECSI is required to maintain the integrity of credit information provided to the three major credit bureaus The Fair Credit Reporting Act requires furnishers of information to provide accurate information to the reporting agenciesIf Mr [redacted] has any other questions he may contact our loan servicing department at ###-###-####
To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of [redacted] We have reviewed Mr***’s account and have determined that the account entered into repayment status in March of with first fixed payment due on April 1, in the amount of $During initial sof the account, Mr [redacted] selected to receive electronic bills only which would be directed to ***.***@ [redacted] Below is a communication and transactional timeline of Mr***’s account: On 1/10/2016, Heartland ECSI generated an electronic notification to Mr [redacted] stating that his grace period will end on 3/1/and his $monthly fixed payments will begin on 4/1/On 3/10/2016, we generated an e-bill and delivered it to Mr [redacted] for his first payment that was due on 4/1/in the amount of $ On 4/11/2016, we generated a paper bill to Mr [redacted] for his payment that was due on 5/1/of in the amount of $This amount included the April and May monthly fixed payment of $plus a late fee of $ Because Mr [redacted] became past due, we delivered a paper bill to the address that we had on fileOn 5/9/2016, we generated a 45-day late letter that was delivered to Mr [redacted] identifying the account as days late On 5/10/2016, we generated a paper bill to Mr [redacted] for his payment that was due on 6/1/in the amount of $This amount included the April, May and June monthly fixed payment of payments of $and also included late payment fees of $eachOn 5/13/2016m we generated and delivered a day final demandOn 5/20/2016, our system logged an online transaction of $($payment and $processing fee) entered on our web portalThe account number and routing number used for this transaction were entered directly by Mr [redacted] through our online payment portalOn 5/27/2016, our records indicate that the payment was rejected by Mr***’s bank due to an Invalid Account NumberOn 5/27/2016, we generated and delivered an email to Mr [redacted] stating that his payment had been rejected by his bank and provided the reason for rejectionOn 5/27/2016, Mr [redacted] called our Customer Service Department to discuss the payment that was rejected by his bank During that call, our customer service representative (CSR) acknowledged that our system had not yet updated to reflect the rejected payment, but as a courtesy to the customer, we waived the $NSF fee that would be charged once updatedOur CSR recommended that Mr [redacted] call back after the first of the month since the system would not be updated to show the rejected payment until that timeOn 6/1/2016, Mr [redacted] called our Customer Service Department again to discuss the payment that was rejected by this bankDuring this call, our CSR misinterpreted the inquiry and indicated to Mr [redacted] that is account was showing as paid in full and Mr [redacted] should expect a paid in full letter soonThe CSR informed Mr [redacted] that no further action needed taken on the account On 6/1/our system completed updating Mr***’s account and reversed the payment previously processed of $This file update occurred hour after Mr***’s call into our offices On 6/10/our system generated an e-bill and delivered it to Mr [redacted] for his payment that would be due on July 1, in the amount of $which includes the past due balance of $($account balance plus in past due interest), three (3) late payment fees of $8.00, and a current amount due of $(current interest) On 6/29/2016, Mr [redacted] called our Customer Service Department to discuss the reversed payment, the last phone call on 6/1/whereby he was informed no further action was needed, and the recent bill receivedDuring that call our CSR waived the most recent $late fee for Mr [redacted] and set up a payment to draw on 7/1/for the amount of $ On 7/1/2016, we generated a due diligence call to Mr [redacted] to indicate that his account was past dueThe call instructed Mr [redacted] to set up a payment if he had not done so already On 7/1/2016, we processed the payment that was set up on 6/29/to pay and close Mr***’s accountOn 7/27/2016, Mr [redacted] called in to our call center to discuss the negative credit reporting that was generated during the reversal of his paymentThe account was reviewed and negative credit reporting was amended back to the beginning of his initial payment on 5/20/After complete audit of Mr***’s account, Heartland ECSI has confirmed the credit data reported to the credit bureaus has been adjusted to show his account in good standing and is now paid in fullSeveral messages have been left for Mr [redacted] to discuss the outcome of our research, and the change to his credit reportingIf Mr [redacted] would like to talk with us directly, or has any other questions, he is welcome to contact our customer service team at ###-###-####
Heartland ECSI apologizes that call on September 13, did not reach Mr [redacted] On September 21, Heartland ECSI did speak with Mr [redacted] to confirm his loan is paid in full, and that a Paid in Full letter was generated and mailed on September 21, 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 ###-###-####
Please note: Heartland ECSI is a third party billing processor for The [redacted] We understand how this has been a cumbersome and stressful process for Ms [redacted] Additionally we apologize for the time it has taken to resolve this issue Occasionally when a student has two of the same loans mailed payments do not apply correctly; especially if one loan is significantly larger than the other Once we are made aware that this type of issue is occurring our representative is to report it to our banking departmentThen we code the account to ensure future payments are applied correctlyWe have corrected this on Ms [redacted] ’s accountStarting 01/01/mailed payments should split correctly across the two loansHeartland ECSI is actively re-educating our representatives on this process Again we apologize it wasn’t corrected when it was first reportedWe are currently in the final stages of implementing a new check scanning systemOnce in operation it will alert us to any specific remittance or account anomalyFor any additional assistance please contact us at ###-###-####
To Whom This May Concern: Heartland ECSI is the third party billing servicer for student loans on behalf of [redacted] We have reviewed Mr [redacted] s account and have determined that the account entered into repayment status with first fixed payment due on April 1, in the amount of $Based on the information on his account, Mr [redacted] s spoke with a customer service representative on August 22, at 6:pm EST Based on the school guidelines, our representative was able to offer him a one-time courtesy to waive the late fees Heartland ECSI was able to waive $in fees related to the account being past due Our representative also advised him that we could not make any change to the credit reporting history without him submitting the appropriate paperwork and that paperwork being approved based on the Federal Perkins loan guidelines At that time, our representative mentioned a forbearance entitlement MrSchaub ended the call without further direction on if he would file the appropriate paperworkOn August 31, at 4:pm EST, September 1, at 3:pm EST, and September 2, at 10:am EST, we attempted to contact MrSchaub to discuss rehabilitation on this loan to clear up any negative credit reporting history for this Federal Perkins Loan Messages were left for MrSchaub to return our call to his discuss optionsA representative from Heartland ECSI attempted reached out to MrSchaub August at 4:45PM, September at 3:15PM, and September at 10:50AMEach time we have left MrSchaub a message to contact our offices to review his entitlement options and to set up a repayment plan that could, if successfully completed, repair his credit while returning his account to positive repayment status If MrSchaub would like to talk with us directly, or has any other questions, he is welcome to contact our customer service team at 888-549-and ask specifically for Jocelyn If Jocelyn is unavailable, any other representative can assist him as his account is appropriately noted Sincerely,Scott K [redacted] Quality Assurance ManagerHeartland ECSI
Heartland ECSI is the third party billing servicer on behalf of [redacted] University We have reviewed Dr [redacted] ’s account and have determined that her Perkins Loan entered in to repayment status in June with the first fixed payment of $due July 1, On June 10, the first bill for Dr [redacted] ’s repayment was generated, and sent to the address on fileThe address on file at the time was shown as Heritage Drive Apt 7, Lansing MI The address was updated after receiving returned mail from the USPS on July 25, On August 9, Dr [redacted] ’s account was included as part of our due diligence calls on loans that have reach days past dueThe phone number we used in these attempts was ###-###-####After receiving a chat request from Dr [redacted] through our website on August 19, we were able to update her phone number During Dr [redacted] ’s chat on August 19, our representative set up a one-time payment of $128.25, but failed to set up recurring paymentsSince this led to Dr [redacted] ’s account being reported as late we have updated Dr [redacted] ’s account, and it is now being reported to the credit reporting agencies as current and in good standingInformation reported to the credit agencies may take 30-days to update According to the Perkins promissory note executed by Dr [redacted] , it is the obligation of the borrower to ensure that their contact information on file with the loan servicer is currentOur records show the following contact information: Mailing Address is [redacted] ***; Primary Phone is ###-###-####, and Email is [redacted] Should any contact information change in the future, please reach out to Heartland ECSI to provide any necessary updates If Dr [redacted] would like to talk with us directly, or has any other questions, he is welcome to contact our Customer Service Department at ###-###-#### Sincerely, Quality Assurance Manager Heartland ECSI
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] [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 Regards, [redacted] ***heartland ecsi regettted my initial payment in NovemberI was never notified, tilli received my December billI called to reconcile and proceeded to mail a check since the online payment system was not working effectivelyI was told no sysytend are 100% they processed wrong I made a payment and it is not my fault they processed incorrectlyI also made a payment for the previous present and at the time futureEcsi is extremely rude and unprofessional this particular company has a track record of doing this to consumers to acquire more interest, extend the loan and charge fees
Please note that Heartland ECSI is the loan servicer on behalf of the schoolHeartland ECSI does not retain any of the principal, interest, or other loanrelated fees such as late fees The payment processing fees are notmandatory fees to make a payment on your loan and are not part of the terms andconditions of your loan agreement, therefore, they would not be identified inthe promissory note or other disclosure-type documents.Heartland ECSI manages your student loan account and processes payments on behalf of theschool As an optional service, Heartland ECSI provides to the school theability for their students and borrowers to make online payments, which is manytimes a more convenient method The payment processing fee is a compilationof multiple fees that are charged when making an online payment, such asInterchange and Basis Points (charged by your card provider), gateway fees(charged by the payment intermediary), and system maintenance fees (to maintainthe link between your account, the payment gateway, and the paymentprocessor) When making a payment online, payment processing fees may bebased on a flat rate or a percentage of the amount being paidYou are not required to make your payment online and there are alternativeoptions To avoid paying the payment processing fee, you can mail a checkor money order to Heartland ECSI You may also sign up for recurring ACHpayments which are drawn from your checking or savings account on a regularbasis You can do this by logging into www.heartlandecsi.net