Consumer complaint received 2019-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
Hi! 
In a nutshell, I have a small Federal Perkins Loan that has not been dealt with properly!! 

I graduated college in XX/XX/XXXX - Had a deferral. Enrolled in XXXX  school and rec 'd another deferral. 

Sometime in XX/XX/XXXX/XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX University saying they were no longer servicing the Federal Perkins Loan and that the loan was being sent to the government, and that a new servicer would be assigned. 

I NEVER RECEIVED a single bill for the loan after it was re-assigned to government ( after my school stopped servicing them ) and then in XX/XX/XXXX, I received a credit alert showing I had a delinquent account. There was no contact info just a credit hit saying I was 90-120 days late. My credit score dropped dramatically! 

XX/XX/XXXX - I received a letter ( dated XX/XX/XXXX ) from ECSI   saying my account was 105 days past due, and that I had THIRTY DAYS TO DISPUTE. 

XX/XX/XXXX - I contacted ECSI. I was advised that everything would be fixed. I was told to submit a forbearance request and date it from XX/XX/XXXX to XX/XX/XXXX, and that once it was rec 'd, it would be processed and my credit would be fixed. 

XX/XX/XXXX - ECSI rec 'd my forbearance request ( within 30 days of XX/XX/XXXX ). 
*I overnighted this and the USPS tracking number is : XXXX XXXX XXXX - ECSI sends my debt to the 'Default Resolution Group '. I am told my forbearance request arrived after 30 days ( ECSI  tell me XX/XX/XXXX to XX/XX/XXXX is 30 days ; XXXX had 28 days and it had not been 30 days!!!!! ) *I was not notified that my debt was sent to the govt ' until way later. Please read on! 

I was not even able to pay online because ECSI had never sent me a PIN and ACCOUNT!!!!! 

XX/XX/XXXX - I receive a letter from the Dept. of Education c/o 'Default Resolution Group '. It said my debt had been transferred to them. 

XX/XX/XXXX to XX/XX/XXXX - I call and call 'Default Resolution Group ' and ECSI . I am told that if my forbearance was rec 'd WITHIN 30 days of my ECSI  XX/XX/XXXX letter, that I need to ask ECSI to 'recall ' my loan and retroactively add the forbearance. 
*I spoke to someone, they said they would transfer my request to someone that handles recalls! 

XX/XX/XXXX - I rec 'd a letter from ECSI  saying my forbearance was DENIED because 'it was sent to Default Resolution Group '. 

Between XX/XX/XXXX and XX/XX/XXXX - I have been given the runaround from everyone! ECSI  says that XX/XX/XXXX was 30 days!!! The Default Resolution Group tells me I need to pay of risk having my wages garnished. 

This is XXXX!! 

XX/XX/XXXX - I am told that my credit can be fixed, that I need to do a 9mth payment plan 'rehabilitation ' and then my loan default will be removed as if it NEVER happened, provided I make 9 payments. 

Well!! The government said I make too much and they would not let me get on a payment plan. They said I have to dispute this with the credit agencies. They only verify the debt and do not handle all the issues I am telling the CFPB about. 

XX/XX/XXXX - Submitted complaint to CFPB because I NEED HELP!!!!!!! 


From XXXX to XX/XX/XXXX, I never received anything!!! I have accounts with XXXX, XXXX XXXX XXXX, and XXXX XXXX. All of my student loans have always showed up and I pay all my other student loans on time. 

Please help me get this fixed. I was never notified of my debt, never notified HOW TO PAY IT, I disputed within 30 days, and yet I continue to get the runaround and live with the stress and embarrassment of having my wages garnished for something I WAS NOT LATE ON! 

Please, please, please help! Thank you!

Company response to consumer: Closed with explanation