Consumer complaint received 2018-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: GA

Complaint narrative:
My payment records indicate the Bill Generation Date is XX/XX/XXXX. With a statement from XXXX stating I had past due amount of XXXX dollars ( XXXX ) dollars per month. It is now XX/XX/XXXX and I have received information that my Federal Perkins loan has entered default status. I have made two attempts to send paper form forbearance requests to the company via paper mail. The first one was lost because it was sent to the wrong branch of XXXX. The second was obviously either not received ( I made specific attempts to get the address correct on the 2nd mailing ) or they did not apply it before they changed my loan to default status. I have encountered much confusion and inability to access my account online due to the multiple branches of XXXX and the changes that have taken place within the organization. To my knowledge my account has only been diliquent for 4 months. Of which time I have attempted to apply for forbearance. At this current time I am eligible ( Or would be if I was not defaulted ) for deferment due to in-school enrollment. The information I have researched on Federal Perkins loans indicates a 270 day Grace period, of which this has absolutely been cut in half. I have made successful attempts in the past to get this loan into forbearance and deferment. The past year XX/XX/XXXX I was enrolled at a federally recognized university for the XXXX semester XX/XX/XXXX-XX/XX/XXXX. I took time off until due to mental and emotional healthy until my semester starting XX/XX/XXXX. I received multiple letters from XXXX at the end of XX/XX/XXXX, which I saw a balance of {$0.00}. I thought that I was current on my forbearance and deferment. I could not keep track of my online account because no one was able to sufficiently provide me with the information needed to access the proper avenue of displaying my current and correct XXXX information. I'm just lost for words and don't understand. Now I have no idea whether I will be able to receive financial aid for this current term of school or whether they will suspend eligibility due to my negative interactions with XXXX. The company is XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA. XXXX, they have sent my " defaulted '' loan to The U.S. Department of Education ( the Department ). They say I have 90 days to pay it off in full and 60 days to contest it. Meanwhile I'm generating $ XXXX in either charges or interest, I'm not sure. My interactions with XXXX  has caused me a great deal of emotional distress. I am completely dissatisfied with their online account systems of trying to gain current information on the status of my account. It has failed me tremendously. I don't know what to do. Due to my inability to access my account online I have not been able to keep a concurrent record and tracking of my forbearance status. I would love to obtain all records from XXXX and see what their records reflect.

Company response to consumer: Closed with explanation