Student loan -- Issue with income share agreement -- Complaint #17780192
Complaint Overview
Complaint ID: 17780192
Company: Heartland Payment Systems INC
Product: Student loan
Sub-Product: Private student loan
Issue: Issue with income share agreement
Sub-Issue: Billing or statement issues
State: Texas
ZIP Code: 77004
Date Received: 2025-11-22T12:00:00-05:00
Date Sent to Company: 2025-11-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am a federal government employee who experienced verified hardship due to the federal shutdown, furlough-related loss of income, and mandatory delays in government pay. This caused financial instability outside of my control, including difficulty maintaining scheduled payments with University XXXX XXXX XXXX XXXX Heartland ECSI, later associated with XXXX. I have an account with University XXXX XXXX XXXX serviced by Heartland ECSI under Account XXXX. XXXX, and I have already sent written hardship and goodwill requests directly to the school and XXXX. I am requesting CFPB assistance to ensure a fair resolution and accurate credit reporting. I am requesting a fair resolution that includes : 1. Removal or suppression of negative credit reporting tied to shutdown-related hardship 2. Application of any available hardship, disaster-relief, deferment, or forbearance programs to help bring the account current 3. Supervisor-level review of my account, reporting, and hardship request 4. Waiver of late fees and penalties that occurred during the shutdown impact and hardship period XXXX. Written confirmation of the updated status, adjustments, and reporting changes I am willing and committed to resolving the account, but I need relief and fair treatment based on the federal hardship circumstances
Frequently Asked Questions
What is Complaint #17780192 about?
Complaint #17780192 was filed against Heartland Payment Systems INC regarding Student loan specifically about Issue with income share agreement. It was received by the CFPB on 2025-11-22T12:00:00-05:00.
How did Heartland Payment Systems INC respond to this complaint?
The company responded with: "Closed with explanation". The response was not timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Student loan) and describe your issue in detail.
Can I see other complaints against Heartland Payment Systems INC?
Yes, visit the Heartland Payment Systems INC company profile at readthecomplaint.com/company/heartland-payment-systems-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.