Student loan -- Dealing with your lender or servicer -- Complaint #7948430
Complaint Overview
Complaint ID: 7948430
Company: Heartland Payment Systems INC
Product: Student loan
Sub-Product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-Issue: Trouble with how payments are being handled
State: Michigan
ZIP Code: 488XX
Date Received: 2023-12-04T12:00:00-05:00
Date Sent to Company: 2023-12-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have two XXXX XXXX Loans held by the Department of Education that were in default prior to XXXX. I signed up for the XXXX XXXX XXXX to get out of default. I received a letter XX/XX/2023 which including information about Income Based Repayment Plans available under the Fresh Start Program. I contacted my servicer, ECSI, to enroll in an Income Based Repayment Plan, and I was told I was not eligible but that I could apply for a forbearance program. When I applied for the suggested forbearance, I was denied and told I was not eligible because I am not unemployed. When I called my servicer ECSI back to ask about this denial and ask again about Income-Based Repayment Plan options, I was told I had to talk to the Department of Education directly . When I called the Department of Education, I was told that ECSI should not have referred me back to them but should have answered my questions.
Frequently Asked Questions
What is Complaint #7948430 about?
Complaint #7948430 was filed against Heartland Payment Systems INC regarding Student loan specifically about Dealing with your lender or servicer. It was received by the CFPB on 2023-12-04T12:00:00-05:00.
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 (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.