|
11417169
|
2025-01-07
|
Dealing with your lender or servicer
|
Student loan
|
|
| Tags |
Servicemember
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Received bad information about your loan
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2025-01-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-07
|
|
|
11290674
|
2024-12-26
|
Getting a loan
|
Student loan
|
|
| Issue |
Getting a loan
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Loan opened without my consent or knowledge
|
| Sub Product |
Private student loan
|
| Date Received |
2024-12-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-26
|
|
|
6605880
|
2023-02-24
|
Incorrect information on your report
|
Student loan
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Private student loan
|
| Date Received |
2023-02-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-24
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5886272
|
2022-08-16
|
Problem with a credit reporting company's investigation into an existing problem
|
Student loan
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Was not notified of investigation status or results
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2022-08-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-16
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7136170
|
2023-06-19
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-06-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-19
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5491680
|
2022-04-25
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Federal student loan debt
|
| Date Received |
2022-04-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-25
|
| Complaint What Happened |
I was repeated called to collect the debt and made several statements about Deferment via Covid-19 Emergency Relief and Federal Student Aid. Their callers expressed no knowledge of deferment. When I contacted XXXX XXXX XXXX about deferment they said that they have directed ECIS to conduct deferments. When I called again and expressed that I talked to XXXX XXXX finally an agent admitted they do have a process for deferment. I received an email and then filed deferment with them. Soon after I found out that my debt has gone to collections. I have no notice of deferment and have no idea whether it was processed or not.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10414804
|
2024-10-05
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Private student loan debt
|
| Date Received |
2024-10-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-10
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3636670
|
2020-05-04
|
Incorrect information on your report
|
Student loan
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Private student loan
|
| Date Received |
2020-05-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-05-04
|
| Complaint What Happened |
I kept getting a statement and letter from this service, even though I have already asked them numerous times ( registered mails-to make sure they received my requests ), to please send me proof of the original contract, itemized, not a disbursement copy with my original signature on it. But this " Heartland ECSI '' with their account, " Covid-19, XXXXXXXX '' is completely ignoring my requests, instead, I kept getting notifications of payments with interest accumulation monthly. And also, this company kept sending this notice of payment to the wrong address. so, the resident of this address is literally upset and had already yelled at me because they thought that I have not changed my mailing address yet? Its been months, since I changed my mailing address ( XXXX of 2019 ) This situation is putting me on XXXX. The XXXX of the Corona Virus is enough for me to handle.
I don't know what to do? Please help?
|
| Consumer Consent Provided |
Consent provided
|
|
|
3490666
|
2020-01-09
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
No
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Received bad information about your loan
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2020-01-09
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-01-09
|
| Consumer Consent Provided |
N/A
|
|
|
2779271
|
2018-01-11
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-01-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-11
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2726755
|
2017-11-11
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2017-11-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-11-11
|
| Complaint What Happened |
Credit Report with XXXX / XXXX show 90 days late payments for XXXX University student loan. Information was provided by XXXX student loan servicing XXXX university student loans. The period reported as late payments was XX/XX/XXXX / XX/XX/XXXX/ XX/XX/XXXX. During this period I was pursuing my Doctor at @ XXXX XXXX XXXX XXXX. I will XXXX in XXXX 2017. Deferment has been requested from XXXX University. To avoid accumulation of interest on my student loans, I have been able making some payments despite being in deferment. This has ruined my ability to buy a house.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10765552
|
2024-11-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Federal student loan debt
|
| Date Received |
2024-11-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-13
|
| Complaint What Happened |
Please delete this XXXX plus year account that has reached it's XXXX XXXX XXXX XXXX XXXX XXXX
This account was deleted from my credit report and XXXX department of education and XXXX added it back as collection. This account was written off and the delinquency date was over 20 years ago. please remove in accordance with XXXX XXXX XXXX This account was deleted from my credit report then added back as collection. This account was written off and the delinquency date was over 20 years ago. Remove in accordance with XXXX XXXX XXXX XXXX XXXX Code XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
10700244
|
2024-11-06
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-06
|
| Complaint What Happened |
I discovered an issue on my credit report. Upon my review, I identified inaccurate information. Following this, I contacted the company and was informed that the status of this account had been changed to canceled. However, despite this assurance, my credit report still reflects this account inaccurately.
I am concerned that this information continues to impact my credit score and overall report unfairly. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting, and I am requesting that this item be investigated and, if confirmed to be inaccurate, am requesting this account be removed from my credit report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1301687
|
2015-03-26
|
Dealing with my lender or servicer
|
Student loan
|
|
| Issue |
Dealing with my lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Don't agree with fees charged
|
| Sub Product |
Non-federal student loan
|
| Date Received |
2015-03-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-03-26
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
In XX/XX/XXXX I closed my XXXX account where my XXXX loan payments were drafted automatically every month without any delay. At that time, I setup through ECSI 's website an automatic payment to be drafted from my XXXX account starting on XX/XX/XXXX even increasing my minimum payment of {$59.00} to {$81.00}. I noticed that my account was drafted on XXXX and assumed that I had setup correctly the automatic payments. On XXXX XXXX I received a call from XXXX ( XXXX XXXX ) stating that the XXXX payment has not been received and I was due XXXX, XXXX and a fee of {$30.00}. Immediately, I called XXXX and spoke with a representative by the name of XXXX and explained him that I tried to setup through their website the automatic payments, and please go ahead to take my new XXXX account information where the monthly dues were to be drafted. He advised it had been done and starting XX/XX/XXXX at that time I went ahead and made a payment through the website for {$150.00} which represented XXXX, XXXX and the late fee. In XXXX XXXX I called again because I received another call and when I called back I spoke with XXXX. She advised that the XXXX payment was still missing and that I owed XXXX ( again ), XXXX ( in XXXX ) and another {$30.00} fee totaling {$210.00}. At that moment I requested automatic payments to stop thinking that XXXX had declined the transaction. I went ahead and called XXXX to ask for an explanation where they told me they had not received any request to debit my account from XXXX or XXXX. Then I called back to ECSI and was advised that they tried again to collect in XXXX from XXXX and could n't collected the payment ( even when I had specifically asked for that account to be removed from the system ) and that the payment I submitted of {$150.00} did n't cover the XXXX payment because it was applied to interests and I was due XXXX, XXXX and a fee of {$35.00}. Note that I have not been late since I started with this loan. I see this as a very unfair practice from this lender and I recommend the CFPB to look into this as they are collecting fees unfairly from their borrowers due to a mistake in the way their system is configured and poorly trained representatives. Such fee I have been advised twice that is not possible to be removed. I am supposed still to receive a call from a supervisor in XXXX business hours. I appreciate your time.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1707138
|
2015-12-16
|
Dealing with my lender or servicer
|
Student loan
|
|
| Issue |
Dealing with my lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Trouble with how payments are handled
|
| Sub Product |
Non-federal student loan
|
| Date Received |
2015-12-16
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-12-18
|
| Consumer Consent Provided |
N/A
|
|
|
172211
|
2012-10-16
|
Repaying your loan
|
Student loan
|
|
| Issue |
Repaying your loan
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Product |
Non-federal student loan
|
| Date Received |
2012-10-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2013-02-13
|
| Consumer Consent Provided |
N/A
|
|
|
1829677
|
2016-03-13
|
Dealing with my lender or servicer
|
Student loan
|
|
| Issue |
Dealing with my lender or servicer
|
| Timely |
No
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Trouble with how payments are handled
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2016-03-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-03-13
|
| Complaint What Happened |
My loan for disadvantaged students and XXXX Loan was transferred to another company without informing me ( to ECSI ). My payment was overdue because I could not log into my account with my old lender. I finally find out the loan was transferred and missed a payment. Now my credit is damaged by no fault of my own. They will not help me. I had to pay many thousands of dollars or was threatened to put my loans in immediate default. I feel I am being mistreated by this process and have no XXXX on my side. Even as I try to pay they charge large processing fees.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4325088
|
2021-04-23
|
False statements or representation
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Debt collection
|
| Sub Issue |
Indicated you were committing crime by not paying debt
|
| Sub Product |
Private student loan debt
|
| Date Received |
2021-04-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-04-23
|
| Complaint What Happened |
ECSI called me in XXXX as they must have bought debt from XX/XX/XXXXand threatened saying if I did not pay this debt that they would sue me and ruin my credit.
ECSI reported my debt as being on a payment plan and even reported that I had made several payments this year which is false.
I disputed this with all 3 credit bureaus after investigation ECSI has now reported the debt to be deferred and that I begin payments in XX/XX/XXXX which is another lie.
ECSI is ruining my credit and reaging a XXXX year old debt by lying and threatening and ruining my XXXXredit score.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2938458
|
2018-06-18
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Trouble with how payments are being handled
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2018-06-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-06-18
|
| Complaint What Happened |
US DEPT OF EDUCATION has re-aged my account stated that it was first reported in XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX and that I have made a payment in XX/XX/XXXX and XX/XX/XXXX. They are reporting the same account twice on my credit report. They have several different addresses, names, and account numbers. Every month its a different address with a different name. Re-aging an account is illegal based on the FCRA. I have requested the completeness of the account history.
Original Amount : {$1000.00} Recent Balance : {$1600.00} There name and addresses includes : - US Dept of Education XXXX - U S Dept of ED - US Department of Education - US Dept of Education XXXX - XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX, PA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX - XXXX XXXX XXXX XXXX XXXX, TX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
8571066
|
2024-03-19
|
Improper use of your report
|
Student loan
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2024-03-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-19
|
| Complaint What Happened |
PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT.
XXXX XXXX ACCORDING TO THE FCRA IT IS A VIOLATION. I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1009160
|
2014-09-01
|
Can't repay my loan
|
Student loan
|
|
| Issue |
Can't repay my loan
|
| Timely |
No
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Can't decrease my monthly payments
|
| Sub Product |
Non-federal student loan
|
| Date Received |
2014-09-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-09-05
|
| Consumer Consent Provided |
N/A
|
|
|
8033531
|
2023-12-21
|
Confusing or missing disclosures
|
Money transfer, virtual currency, or money service
|
|
| Issue |
Confusing or missing disclosures
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Money transfer, virtual currency, or money service
|
| Sub Product |
Mobile or digital wallet
|
| Date Received |
2023-12-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-21
|
| Complaint What Happened |
On XX/XX/2023, I applied for a Merchant account with XXXX XXXX XXXX ( TSYS ) processor. XXXX.
On XX/XX/2023, I received a declined response ( underwriter ). The merchant services stated the application was declined due to the MATCH list reported. I requested the detailed information from underwriter ( XXXX XXXX ), but refused to share with me my XXXX report.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2714720
|
2017-10-28
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Trouble with how payments are being handled
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2017-10-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-10-28
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2923854
|
2018-06-01
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Problem with customer service
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2018-06-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-06-01
|
| Complaint What Happened |
I was charged a {$6.00} " late fee '' for the month of XX/XX/XXXX, even though I paid my bill for the month of XX/XX/XXXX. When I called, the 1st agent told me the system was down so, XXXX couldn't see my account. So I hung up and called back immediately, I spoke to XXXX who then lied and said that I didnt pay in XX/XX/XXXXdo that is why in XX/XX/XXXX i'm being charged a 'late fee '' however I have records proving that I paid the XXXX bill right after the billing statement was sent. XXXX then hands the phone over to XXXX who then say that XXXX " misspoke '' and that the " late fee '' was because the XX/XX/XXXX payment was late. I further explained to him that ALL of my loan payments have been late and they have NEVER added a late fee because I always paid by the XX/XX/XXXX of the month. XXXX then tells me that it is company policy that after 10 days a late fee is added. I asked him where on the billing statement does it say that policy and where on the website does it say that policy? He says its on the website and " is basic knowledge '', I then ask him to tell me exactly where it says that " basic knowledge ''. After further review he comes back says it's not on the website and it is not on the billing statement but then says that on the billing statement that a late fee MAY be applied. However i explained to him if that was the case then there should've been a late fee every month because I've never paid the bill on time. His only explanation is that it was late so they added a " late fee '' even though it has always been paid late and never been given a late fee until now. this company has unwritten policies unbeknownst to the people they are billing and they are making up rules when they feel like to people they want to XXXX over. Also they generate their bill statements inconsistently. the bill statement for XX/XX/XXXX came 1 week before the bill was due and the bill statement XX/XX/XXXX came 3 weeks before the due date. Also the billing statement says it was generated on XX/XX/XXXX yet it says its 15 days past due. a bill CAN NOT be 15 days past due if you generated it on XX/XX/XXXX. They are liars and scammers.
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| Consumer Consent Provided |
Consent provided
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10006615
|
2024-09-03
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Credit reporting or other personal consumer reports
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| Sub Issue |
Account information incorrect
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| Sub Product |
Credit reporting
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| Date Received |
2024-09-03
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2024-09-03
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| Complaint What Happened |
XXXX XXXX has reported negative information on my credit report during a XXXX XXXX XXXX XXXX which caused a XXXX point deduction to my credit score. XXXX XXXX has continuously reported incorrect information to the Credit Bureaus even though the account is in XXXX XXXX. XXXX XXXX is reporting to the Credit Bureaus that a " Credit Line '' has been increased. This is false and is not a line of credit but a XXXX XXXX and the only thing that should be reported is an increase in interest. XXXX XXXX uses deceptive techniques to lure people into programs and does not use competent staff when applying for XXXX Loans. I now have two XXXX Loans with XXXX XXXX due to the negligence and miscalculations of a Financial Aid Staff Member XXXX XXXX XXXXXXXX ). XXXX XXXX has REFUSED numerous times to release final transcripts due to an unpaid XXXX XXXX XXXX. They have violated my Consumer Rights and I feel this situation needs to be remediated as quickly as possible.
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| Consumer Consent Provided |
Consent provided
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9683072
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2024-08-01
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Improper use of your report
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Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
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| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
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| Sub Product |
Credit reporting
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| Date Received |
2024-08-01
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2024-08-01
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| Company Public Response |
Company believes the complaint is the result of a misunderstanding
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| Consumer Consent Provided |
Consent not provided
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6840252
|
2023-04-14
|
Dealing with your lender or servicer
|
Student loan
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|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
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| Product |
Student loan
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| Sub Issue |
Trouble with how payments are being handled
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| Sub Product |
Private student loan
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| Date Received |
2023-04-14
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2023-04-14
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| Complaint What Happened |
I tried to pay off Loan B ( # XXXX ) completely but my payment was not applied correctly. I paid {$2000.00} on XX/XX/12 and was told that was done as that was the correct payoff amount. However, after checking my account the next day, they split the payment between Loan A and Loan B. I tried calling and was hung up on twice. After being on hold for 20 minutes, I was told that they had to look into that. Payment adjustment ticket # XXXX was issued, and that the interest would continue to accrue.
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| Consumer Consent Provided |
Consent provided
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6892931
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2023-04-26
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Problem with a credit reporting company's investigation into an existing problem
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Credit reporting, credit repair services, or other personal consumer reports
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|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
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| Timely |
Yes
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| Company |
HEARTLAND PAYMENT SYSTEMS INC
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| Product |
Credit reporting, credit repair services, or other personal consumer reports
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| Sub Issue |
Investigation took more than 30 days
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| Sub Product |
Credit reporting
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| Date Received |
2023-04-26
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2023-04-27
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| Complaint What Happened |
I have a private loan with XXXX XXXX XXXX XXXX. The total amount of the loan is {$9600.00} and I've been charged on the XXXX of each month since XX/XX/2022 currently having a total past-due balance of {$720.00}.
I was not informed that this type of loan was not covered under the XXXX XXXX XXXX XXXX XXXX XXXX. As a result of not knowing this information, my account went into a past-due status and hit my credit twice. I made no arrangements to place this loan on a deferment had I known I would have taken the required steps to secure that this would not go into a past due status. I am still a XXXX XXXX and am currently submitting a deferment document to the lender. I called the current lender ECSI requesting copies of all the notices that were sent to me and was advised by a rep named ( XXXX XXXX that they have no way of issuing a copy of that information. I find that very concerning and feel that this could have been avoided simply by communicating and giving proper notice and explaining to me that it won't be covered under the XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and yet those original documents can't be provided to me.
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.
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| Consumer Consent Provided |
Consent provided
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8366116
|
2024-02-17
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Written notification about debt
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Debt collection
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|
| Issue |
Written notification about debt
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| Timely |
Yes
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| Company |
HEARTLAND PAYMENT SYSTEMS INC
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| Product |
Debt collection
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| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Private student loan debt
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| Date Received |
2024-02-17
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-17
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| Consumer Consent Provided |
Consent not provided
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7116632
|
2023-06-14
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Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
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| Sub Product |
Credit reporting
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| Date Received |
2023-06-14
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2023-06-14
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| Complaint What Happened |
I was never late on the paid off account listed above please show me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my credit report. The FCRA allows 30 days for this to be rectified.
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| Consumer Consent Provided |
Consent provided
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|
7512110
|
2023-09-06
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
HEARTLAND PAYMENT SYSTEMS INC
|
| Product |
Student loan
|
| Sub Issue |
Received bad information about your loan
|
| Sub Product |
Private student loan
|
| Date Received |
2023-09-06
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| Submitted Via |
Web
|
| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-06
|
| Complaint What Happened |
XXXXXXXX XXXX and their Servicer, Heartland ECSI.
My Principal payments and Interest payments have been changing every few months without me being notified. This resulted in late fees and damage to my credit scores.
I have called them and asked them why the price changes, which they claim is variable interest rates changing every 3 monthd. But my principal amount owed each month also changes seemingly randomly which makes no sense. In addition, my interest owed each month is also inconsistent almost as if it changes every single month.
I also asked them why I do not received emailed billing statements even though i signed up for it on their system, and they would not answer.
They also would not explain why my payment owed changes every single month. I had the account on auto pay, but the amount changing every single month without notice caused the account to fall behind and they charged me late fees. I am at a point where I'm scared of this account and have to check it every single day to make sure I don't owe some random amount.
On XX/XX/XXXX I had to pay {$910.00} because of this issue. When I called them, they said it was not their problem and they could do nothing and did not give any explanations It happened again On XX/XX/XXXX I had to pay a total of {$860.00} because of this issue. Then on XX/XX/XXXX another charge of {$40.00} was owed for seemingly no reason Then on XX/XX/XXXX, another {$44.00} was owed without explanation.
I've reviewed the charges on the account and the principal amount owed each month is never the same and the interest raises randomly without notice.
Their customer support would only tell me variable interest rates and not explain how my payments went from {$130.00} to {$510.00} in 6 months with only a 1.7 % interest rate hike during this time.
They are gouging money from me and pushing me towards the brink of bankruptcy without remorse or explanation. And then they change the amount without sending me statements and charge me late fees. My payments went from {$130.00} to {$510.00} in 6 months without any warning or notification between changes and I have been charged fees for every single late payment because if these random and unannounced changes.
I was even told I still owed {$800.00} when my account only showed {$59.00} owed and they would not explain this. I never receive billing statements at my email like I signed up for and I can only access the statements after the fact, at which point they are of no help.
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| Consumer Consent Provided |
Consent provided
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