Consumer complaint received 2017-10-31
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I reviewed my credit report and found that my credit score had dropped by over XXXX points due to a delinquent XXXXXXXX XXXX with XXXX XXXX. I took out this loan in fall XXXX and have received no correspondence or notices with respect to this loan since taking it out. The only email I have is dated XXXX XXXX, XXXX, and it notes that I signed the promissory note for my XXXX XXXX. No further mailings or emails were sent to me, including when the loan became payable in XXXX XXXX. I do n't think this is acceptable given that I was a student at XXXX and had ( and still have ) a working XXXX email address that they could have reached me at at any time. 

The XXXX XXXX XXXX website XXXX XXXX XXXX XXXX ) notes that after leaving school, I should expect to receive important information about repayment toward the end of my XXXX grace period. I did not receive any such information, though they inform me that they had my New York mailing address at the time. The website further notes that in XXXX XXXX, the loan servicer changed and is now XXXX I also did not receive any notice of this change. 

I called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and after being transferred twice and being put on hold for about XXXX minutes, I spoke with a representative of the billing department, XXXX XXXX, who informed me that XXXX can not do anything regarding credit reporting, and that I should speak with the loan servicerXXXX XXXX I then spoke with XXXX ( where I was put on hold for XXXX minutes ) and they informed me that they did not do any negative reporting on me. The negative reporting was done by the prior servicer, XXXX. They recommended that I reach out to XXXX. I do n't yet have XXXX 's contact information and have asked XXXX for this information. I will certainly reach out when I have the appropriate contact, but I strongly suspect that they will tell me they can not do anything because they no longer service the loan. I have googled XXXX and can not find a legitimate looking website for them, and I also see that they have made settlement payments due to poor student loan practices in the past. 

As a sidenote, the credit report notes a phone number for XXXX, the lender, and this phone number is disconnected. Further, there is no phone number on XXXX 's websites for billing-related questions, and it was only after strenuous objections that I was able to speak with a person today. Rather, the default operator response is to direct me to email the listed email address. Both the operator and the billing department representative I spoke to told me they could not give me a phone number, and instead would have to email the address. 

I am now up-to-date on my payments and will continue making timely payments going forward. Given that XXXX and XXXX refuse to assist, and I can not get in touch with XXXX and have never been in touch with them, I am at a loss for what my options are right now.

Company response to consumer: Closed with explanation