Consumer complaint received 2025-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
To Whom It May Concern, Subject : Formal Complaint Against Heartland/ECSI Inaccurate Servicing , Improper Credit Reporting, and Failure to Resolve Federal Student Loan Servicing Discrepancies I am writing to formally file a renewed and escalated complaint against HeartlandXXXX regarding their mishandling of my Federal Perkins Loan ( s ) previously serviced on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX and now under the management of XXXX XXXX 

Despite previous attempts to resolve these issues through the Consumer Financial Protection Bureau ( CFPB ), the matter remains unresolved. I assert that HeartlandXXXX has violated multiple provisions of federal law, including but not limited to : 1. Failure to Provide Due Notice and Communication ( Violation of 34 CFR 674.43, FCRA 623, and FDCPA 809 ) I never received any verifiable communication from HeartlandXXXX prior to the alleged default and subsequent assignment of my loans to collections. This includes : No valid billing notices No past due alerts No electronic communications to my accurate and current email address ( XXXX, not the unverified XXXX ). 
No documented phone calls or voicemails Any claim that these notices were sent must be backed by verifiable delivery logs, timestamps, call records, or certified mail tracking none of which have been provided. The lack of due process constitutes a breach of servicing requirements under federal student loan law. 

2. Inaccurate Credit Reporting in Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) Heartland/ECSI has reported derogatory credit information to the major credit bureaus, despite the following facts : My loans were in forbearance or deferment during the alleged default period. I received no verifiable communication that repayment had resumed. 
No clear billing history was presented, and no valid default cure options were offered. The continued reporting of inaccurate tradelines without proper investigation, correction, or validation of debt violates the FCRAs maximum possible accuracy requirement and constitutes negligent or willful misreporting. 

3. Violations of the FDCPA ( 15 U.S.C. 1692 et seq. ) Heartland/XXXX and any third-party entities acting on their behalf must cease and desist from : Any further collection activity on accounts they no longer service. 

Any misrepresentation regarding the current status of the loan. 

Any continued adverse credit reporting without valid debt validation. 

As these loans are now serviced by XXXX XXXX  and have since been placed into deferral, any continued action or reporting by XXXX constitutes unlawful harassment and false representation under the Fair Debt Collection Practices Act. 

4. Request for Legal Documentation and Debt Validation ( Required Under FDCPA 809 and FCRA 611 ) I demand the immediate production of the following documentation : Full debt validation and accounting, including payment history and breakdown. 

Assignment contracts proving HeartlandXXXX legal authority to service or collect on these loans. 

Any signed Forbearance/Deferment Agreements applicable to the alleged period of default. 

A copy of the original Federal Perkins Loan Master Promissory Note.

Loan Exit Counseling verification, including IP logs and timestamps. 

You are legally required to provide this documentation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Failure to provide these materials within 30 days will be interpreted as a failure to validate the debt. 

Demand for Resolution Given the numerous servicing failures, communication errors, and violations of my rights as a borrower under federal law, I demand the following corrective actions : Immediate deletion or suspension of all negative credit reporting associated with these tradelines until full debt validation is completed. 

Cease and desist from any further reporting, collection, or communication on these accounts by HeartlandXXXX or its affiliates. 

Full reinvestigation and correction of all reported account activity between XXXX and XXXX. 

A formal acknowledgment of responsibility for the mishandling and misreporting of these loans Written confirmation that my accounts are being properly handled by XXXX XXXX and are currently in deferral. 

If these demands are not met within 30 days, I reserve the right to : Pursue legal action against HeartlandXXXX for violations of the FCRA, FDCPA, and Title IV regulations.

File additional formal complaints with the U.S. Department of Education, State Attorney General, and Federal Trade Commission. 

Seek punitive damages for emotional distress and damage to creditworthiness. 

Please direct all further communication to the verified mailing and email addresses below. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Email : XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation