Consumer complaint received 2016-08-19
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I should not owe any more money to XXXX XXXX ( XXXX ) for transitional funding loans taken out XXXX, according to XXXX 's loan terms in writing in the XXXX Transitional Funding Guide on page XXXX as well as in the emails sent to me from XXXX Grants and Loans. I was supposed to start repaying XXXX XXXX XXXX, and only when a loan repayment is overdue by 61 days and only then will the {$20.00} late fee start applying and that the loan taker had until XXXX XXXX, XXXX before sent to collections, but my loan account was sent to collections in XXXX XXXX. XXXX emails said XXXX MIGHT charge the {$20.00} late fee, but they never did. Instead, what XXXX did was have ECSI charge me a XXXX % late fee on my account in XXXX. XXXX, and XXXX gave no warning of this, and it was not in the agreement. 
I paid in full the original loan of {$5100.00} in XXXX XXXX - I have a copy of my check ( apparently my check did n't get applied to the account until XXXX XXXX, XXXX ). I emailed XXXX in XXXX when I saw that the check had n't cleared yet. But XXXX via ECSI sent the loan account to collectors XXXX XXXX XXXX and I disputed the XXXX % late charges that XXXX/ECSI applied to my account XXXX XXXX which is what is still showing as remaining on my account. If any late fee was to be charged, it should have only been {$20.00} late fee ( each month over 61 days past due ) certainly not the {$1700.00} ( XXXX % late fee -- which is now showing as {$1200.00} for some reason ) which XXXX via XXXX XXXX XXXX are trying to collect from me. I sent documents detailing the dispute to XXXX XXXX XXXX last year. My credit score was already impacted when XXXX sent this to XXXX XXXX XXXX last year. Then XXXX sent the account back to ECSI to start this process all over again, which seems highly suspect. Now XXXX is sending my account back to collections XXXX XXXX XXXX a second time, which I disputed last time. All this is just going to cause more hassle for XXXX and XXXX XXXX XXXX, because I dispute and am not paying that XXXX % fee. I believe that XXXX needs to honor the agreements that are in writing in the emails sent to me and in the XXXX Transitional Funding Guide. The most I am willing to pay is the {$20.00} late fee, but I should n't even have to pay this late fee as I already paid the original loan in full last year. XXXX XXXX will deal with me in a fair and transparent manner. Telling me I would get a {$20.00} late fee in XXXX XXXX and then having ECSI charge a XXXX % late fee without telling me is wrong. XXXX has their loan money back- I repaid it last year. There is no reason to draw this out further, wasting time, money, and re-reporting this to a credit bureau again. Let 's come to a close with this. Let me know what XXXX will do to honor the loan terms in writing ( XXXX Transitional Funding Guide & XXXX Grants & Loans emails ) instead of trying to charge me a XXXX % late fee on an amount that was n't supposed to be charged.

Company response to consumer: Closed with explanation