Debt collection -- Written notification about debt -- Complaint #5219748
Complaint Overview
Complaint ID: 5219748
Company: Heartland Payment Systems INC
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Arizona
ZIP Code: 85710
Date Received: 2022-02-14T12:00:00-05:00
Date Sent to Company: 2022-02-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I attended XXXX University in XXXX. I left in XX/XX/XXXX due to a conflict with a professor. My loan was returned and given to ECSI Heartland Campus Solutions for debt collection on XX/XX/XXXX. I have never defaulted on my student loans. I applied for and was accepted to a school in XX/XX/XXXX. I was denied financial aid due to a student loan being in default. Nothing for student loans turned up on my credit report, except my student loans in good standing. I have received bills from XXXX with an amount. The amount changes frequently with no itemization or explanation. On XXXX XXXX, XXXX I called XXXX for an explanation of the loan. Is it a student loan or not? I requested an itemization of my charges from my time at the school. I was informed that they sent the " returned '' loan to ECSI and I would have to call ECSI Heartland.. ECSI has never put their information on my bills, no account number, no phone number or address for ECSI Heartland, no mention of ECSI Heartland. The billing statements deceptively appear as if they are coming from XXXX, which XXXX denies. I tried calling ECSI Heartland and was on hold for half an hour with no response. When I tried to use the online platform it routed me to register with ECSI Heartland. I'm not interested in registering I would like an itemized copy of the original bill and an explanation of whether it is or isn't a student loan and if they can block me from receiving financial aid.
Frequently Asked Questions
What is Complaint #5219748 about?
Complaint #5219748 was filed against Heartland Payment Systems INC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2022-02-14T12:00:00-05:00.
How did Heartland Payment Systems INC respond to this complaint?
The company responded with: "Closed with explanation". The response was 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 (Debt collection) 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.