Consumer complaint received 2023-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
I mailed ECSI on XX/XX/XXXX to explain that I had paid my loan in full on XX/XX/XXXX and should not be getting these bills even though they were {$0.00}. I do not see why my information and loan should still be with them. I explained that on XXXX  I negotiated the debt amount to {$1300.00}, which was lower than the lawyer debt collector 's initial requested amount of {$1500.00}, because I was willing to pay in full at the time since I found out that government student loans are perpetual unless I pay them in full. I also had a full time job, good credit, and money to pay it off. The new amount of {$1300.00} was calculated by subtracting additional interest of {$240.00} that may have accumulated if I had decided to paid it monthly. I send a copy of the lawyer 's original letter of debt collection and my credit card statement showing my payment to ECSI. The lawyer at the time did not send me a physical letter of final receipt, so I was unable to provide a copy of that. Also any email records I had 7 years ago was probably lost when I was suddenly laid off in XXXX since it would've been on my work email. 

On another note, I am currently filing a complaint on this lawyer, who took my money on XXXX with the Disciplinary Board of the Supreme Court of Pennsylvania on the lawyer 's failure to update the status of my loan, credit report, as well as, I requested they send me another copy of the receipt of my payment in full. I believe this lawyer was legitimate since he showed me paperwork of my loan at the time. Therefore my willingness to pay the loan in full means they should have done their part in reporting it's payment in full and updating all my records. 

I explained to the ECSI 's employee that it's illogical that I would purposefully leave alone the difference of {$240.00} when I was willing to pay in full the amount of {$1300.00} for a {$750.00} Perkins Loan. And if I had not paid in full at the time to the lawyer, he would have already brought me to court for collections or continue to bill me, and charge me collected interest for the next 7 years, which they did not do because I had paid my Perkin Loan debt in full already. 

The person on the phone at ECSI ask me to contact the XXXX University the school of the loan I owed when it defaulted on XX/XX/XXXX, but the school has been closed since XX/XX/XXXX! It no longer exist. I instead emailed the current college in the same location called XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX with my paperwork, but they have not answered me. 

However, what was once a {$0.00} due amount bill sent to me on XX/XX/XXXX by ECSI is now suddenly charging me {$370.00} on a bill sent to me on XX/XX/XXXX. I had only contacted them to tell them this loan has been already paid in full and to remove me from their account, but instead they suddenly created a new amount to charge me some random amount! I do not know where they got this amount from? I immediately requested the person on the phone for ECSI on XX/XX/XXXXXXXX XXXX XXXX for all my paperwork to show they have proof of this amount break down. It is weird that I was initially billed {$0.00} dollars and now they are billing me some random amount stating I still owe principal and interest. Is this even legal to make up a random amount to charge me? They have not mailed me the paperwork yet, but I am expecting it next week if it does come. Nevertheless, I feel that this is really suspicious since I was originally billed {$0.00} just a few months ago. It feels scam-like.

Company response to consumer: Closed with explanation