Business Profile

Payment Processing Services

E.C.S.I.

Headquarters

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Complaints

This profile includes complaints for E.C.S.I.'s headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

55 total complaints in the last 3 years.
10 complaints closed in the last 12 months.

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Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:07/31/2026
Type:Order Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
REMOVEDuses Heartland ECSI to issue my student refunds. I am an international student living in REMOVEDand updated my mailing address in both REMOVEDPAWS and my general ECSI profile. However, the Florida Tech-linked RefundSelect account still shows my old address, and the address field is grayed out and cannot be edited.A May 2026 refund check was sent to the old address and was never received.ECSI told me that Florida Tech must update the address and request stop payment/reissuance. REMOVED, however, told me that it no longer has access and that ECSI must allow me to update it.REMOVEDopened a ticket with ECSI. I followed ECSI troubleshooting steps, including using a personal computer, clearing cache/cookies, allowing pop-REMOVEDand trying another browser, but the address remained locked.I am now being sent back and forth between ECSI and Florida Tech while my refund remains missing and future refunds are at risk.I am requesting that ECSI escalate this issue, coordinate directly with REMOVED, correct the refund mailing address, and assist with stop payment and reissuance of the missing check.
Business Response
Date: 08/05/2026
After a diligent search we are unable to locate an account with the information provided. Please provide an account number, full social security number, or a billing statement sent from us, ECSI.
Customer Answer
Date: 08/06/2026
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID REMOVED. Thought this business did not solve the problem, the other related business has solved the problem.  :
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am getting ready to start the last semester of my Masters degree that I went back to school for in 2024. I received a notice that I had a school loan in default. I was not aware of this because I thought all of my loans were consolidated and on in-school deferrment. I went on REMOVEDand saw that the loan in question was a REMOVEDloan from 2008. I started calling every number I could find. When I talked to REMOVEDloan debt and resolutions, they said to call ECSI and make arrangements. ECSI rudely told me that they would not make arrangements and that I had to pay it off. I have never received correspondence from ECSI and I could not register in their website because there is no record of my information. I am trying to get my Masters in order to provide a secure future for my disabled husband and 12 year old son, and ECSI is now threatening that possibility.
Business Response
Date: 06/10/2026
ECSI Federal REMOVEDLoan Servicer                                                    June 8, 2026
P.O. Box 836
REMOVED15108
Phone: REMOVED
Web:  REMOVED;

ID: REMOVED

REMOVEDGauble
IL, 61820
REMOVED
REMOVED

To Whom This May Concern:

Please be advised that ECSI (Educational Computer Systems Inc.) and EFPLS (ECSI REMOVED) are different servicers. ECSI is the third party billing servicer for student loans on behalf of multiple colleges and universities nationwide. REMOVEDis the Department of Educations student loan servicer for the REMOVED. Loans under the Federal REMOVEDLoan Program include REMOVED, National Direct Student Loans (REMOVED), and REMOVED(Defense Loans).

We have reviewed Ms. REMOVEDcomplaint and determined that the loan in question is a Federal REMOVEDloan that was assigned by REMOVEDto the Department of Education on March 21, 2025. At that time, REMOVEDbecame the servicer of Ms. REMOVEDloan.

Ms. REMOVEDloan was in a defaulted status when REMOVEDbecame the servicer. Further review of the assignment documentation provided by the originating school indicates that the loan initially defaulted in 2011 and was accelerated in 2013. Since the time of assignment, REMOVEDhas applied updates to the account based on Ms. REMOVEDverified student enrollment activity. Ms. REMOVEDloan was placed into an REMOVEDdeferment status due to her full-time enrollment at the REMOVEDand, subsequently, the REMOVED

Although the loan is currently within a grace REMOVEDfollowing the REMOVEDdeferment, it remains delinquent due to the extended REMOVEDof non-payment prior to assignment. At this time, the loan is 159 months past due and, based on its current status, it is not eligible for additional entitlements or alternative repayment plans.

The options available to Ms. REMOVEDare to remit payment in full for the outstanding balance or pursue loan consolidation. REMOVEDrecently received a loan verification request from Aidvantage, which indicates that Ms. REMOVEDmay be in the process of consolidating her REMOVEDloan. Until this consolidation is completed or the loan is paid in full by some other means, the account will continue to reflect a defaulted status.

If REMOVEDwould like to reach out to EFPLS, the Department of Educations student loan servicer for REMOVED, we ask that she please call us toll-free at REMOVED.

Sincerely,
ECSI Federal REMOVEDLoan Servicer
Customer Answer
Date: 06/12/2026
Better Business Bureau:06/27/2026

ECSI Federal REMOVEDLoan Servicer                                                    June 25, 2026
P.O. Box 836
REMOVED15108
Phone: REMOVED
Web:  REMOVED;

ID: REMOVED

REMOVEDGauble
IL, 61820
REMOVED
REMOVED

To Whom This May Concern:

Please be advised that ECSI (Educational Computer Systems Inc.) and EFPLS (ECSI REMOVED) are different servicers. ECSI is the third-party billing servicer for student loans on behalf of multiple colleges and universities nationwide. REMOVEDis the Department of Educations student loan servicer for the REMOVED. Loans under the Federal REMOVEDLoan Program include REMOVED, National Direct Student Loans (REMOVED), and National Defense Student Loans (Defense Loans).

We have reviewed Ms. REMOVEDrejection of our original response to her complaint. Upon additional review, REMOVEDcan confirm that Ms. REMOVEDLoan remains 159 months past due. While Ms. REMOVEDloan has previously been placed into REMOVEDdeferment based on verified enrollment, this deferment does not remove or resolve the delinquency that existed prior to the assignment of her loan.

Additionally, EFPLS acknowledges Ms. REMOVEDrequest for documentation. However, we are unable to provide a letter stating that the loan is not in default, as that is not an accurate reflection of the current account status.

At this time, Ms. REMOVEDloan is currently within a grace REMOVEDbut it will remain in a defaulted status due to the 159 months of unresolved delinquency. Ms. REMOVEDstated that the default status of this loan only appeared this year. A possible explanation for this anomaly is that REMOVEDmay not have been reporting this loans delinquency to the REMOVEDSystem (REMOVED) appropriately while they were the loan holder. However, EFPLS is required by the REMOVEDto report the accurate status of the loan to REMOVED, which is why the defaulted status of the loan is now being reported.

As mentioned in our previous response, the only options available to Ms. REMOVEDare to remit payment for the full loan amount or to complete a consolidation. Once Ms. REMOVEDpays the loan in full or completes the loan consolidation process, then REMOVEDwill be able to provide her with a paid-in-full letter.

If REMOVEDwould like to reach out to REMOVED, the Department of Educations student loan servicer for REMOVED, we ask that she please call us toll-free at REMOVED.

Sincerely,
ECSI Federal REMOVEDLoan Servicer
Initial Complaint
Date:05/18/2026
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Hi,Business is being formally asked to expedite student refund associated with financial assistance in excess of tuition. Business was provided the refund disbursement ID and student ID to school. Business has a history of gaps, slow responses, and other mistakes that cause extreme frustration. Time is of the essence in my case. Funds will disperse on 5/20 from school. Please ensure they are PROMPTLY sent to me via Direct Deposit / ACH. TIME IS OF THE ESSENCE.
Business Response
Date: 05/27/2026
May 26, 2026

ID: REMOVED

REMOVEDHargrove
REMOVED;
REMOVED;
REMOVED
REMOVED

To Whom This May Concern:?

ECSI is the third-party?servicer?of financial aid refunds?for REMOVEDGlobal.?

We have reviewed REMOVEDand provide the following response.

Firstly, we would like to clarify that ECSI serves as the third-party servicer for refund accounts on behalf of REMOVED. As such, ECSI does not have the authority to release or?expedite refunds. REMOVEDGlobal must inform ECSI that REMOVEDis receiving a refund disbursement and provide ECSI with the funds necessary to issue that disbursement. At the time of this response, REMOVEDGlobal has not notified ECSI that REMOVEDis receiving a refund disbursement, nor have they provided ECSI with the funds necessary to issue a refund disbursement to REMOVEDcontacted ECSI on May 18 and May 26, 2026. On both occasions, a REMOVEDAdvocate advised him that no disbursement request had been received from the University. REMOVEDwas also informed that, once REMOVEDGlobal submits the request, it can take 24 to 48 hours to be received by ECSI. After receipt, funds are placed in a pending status and are typically issued within 12 business days. An email notification is then sent to the student once the funds are processed according to their selected disbursement method.

If REMOVED?would like to talk with us or has any other questions, he is?welcome to contact our REMOVEDDepartment at?REMOVED?REMOVED?or visit REMOVEDselect Chat with ECSI.?

Sincerely,?
ECSI?
Customer Answer
Date: 05/27/2026
Better Business Bureau::
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This company serves as a third party for students whom take out loans, of which the school receives. This company then takes the money, and holds it for a week. It is their job to then disperse the funds the following week, however, they regularly fail to do so. They claim they havent received funds, when there is a paper trail of evidence showing that they indeed have received the funds a week prior, causing financial strain and struggle on students. I am a disabled military veteran and regularly rely on my loans in order to do school, and to do the things I need to do. They consistently refuse to do their jobs, and steal / refuse to give the funds that belong to me, the student. I have lost thousands of dollars over the years dealing with them, due to me taking out other loans in order to fix their mistakes.
Business Response
Date: 04/29/2026
April 28, 2026

ID: REMOVED

REMOVEDBernardes
FL 33602
REMOVED
REMOVED

To Whom This May Concern:

ECSI is the third-party servicer of financial aid refunds for REMOVED

We have reviewed Mr. REMOVEDand have verified that a refund was issued to him on April 24, 2026. According to the notes on his account, REMOVED;also advised Mr. Bernardes to anticipate completion of the refund process on April 24, 2026.

ECSI does not hold student funds any longer than is necessary to complete important steps such as validating student bank account information and balancing the actual funds provided to us by the school with the amounts that they have informed us should be disbursed to each student. Additionally, ECSI cannot issue these refunds until the school has provided us with the funds necessary to do so. Although these required steps can occasionally result in delays, there is no indication that Mr. REMOVEDApril 24, 2026 refund was impacted by any delays. Our review has found no indication that Mr. REMOVEDrefunds have been improperly withheld or mishandled by ECSI.

If Mr. REMOVEDlike to talk with us or has any other questions, he is welcome to contact our REMOVEDat REMOVED or visit REMOVEDand select Chat with ECSI.

Sincerely,
ECSI
Initial Complaint
Date:03/15/2026
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Ive contacted you people regarding REMOVED. Do not contact me again. This is and has gone to the Americans With Disabilities Act. I had to formally remove myself from the class because of the fact of the professor not a obliging by my 504 plan so I owe you people nothing and you will be hearing from my representative from the Americans With Disabilities Act, but I officially want a cease and assist until this matter is brought in front of the board.
Business Response
Date: 03/27/2026
March 25, 2026

ID: REMOVED

REMOVEDSgro
1811 Wharfside Ln. Apt 1207
Celebration, FL 34747
Daytime Phone: REMOVED
E-mail: REMOVED

To Whom This May Concern:

ECSI serves as the third-party billing servicer of delinquent student accounts on behalf of REMOVED;University.
As a courtesy to Ms. REMOVEDreached out to Colorado Christian University on her behalf to notify them of her complaint and inform them of her desired resolution. The University provided ECSI with their official response to Ms. REMOVEDcomplaint. The Universitys response is as follows:

In response to your posted statement, grievances with REMOVEDshould be addressed directly to the University. You may access the student complaint form through Consumer Information page on REMOVED| Premier REMOVED-Centered Private College.

For questions related to accommodations provided under Section REMOVEDto request 504 accommodations related to a disability or medical condition, please contact REMOVEDCAGS Disability and REMOVEDat REMOVED.
Please see below for additional contact information and a link to our policies and procedures and grievance policy.

CAGS Disability and REMOVED
College of Adult and Graduate Studies
REMOVED;
O: REMOVED| Fax: REMOVED

If Ms. REMOVEDlike to speak with ECSI or has any other questions, she is welcome to contact our REMOVEDat REMOVEDor visit REMOVEDand select Chat with ECSI.

Sincerely,
ECSI
Initial Complaint
Date:02/10/2026
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
My current university is unable to sign the REMOVEDdeferment form because it is a military based form. My current university instead provided documentation to me to upload to ECSI to give them the required information. need for deferment along with a note from me to end my forbearance as my loan should be put into deferment instead ECSI refuses to put my loans into deferment because of no one being able to sign a military based form, I am not in the military and my university is not military based. Ive called ECSI and they put me on hold and they never come back. My problem continues. I have notified REMOVEDfrom which I received my ECSI loan and Ive contacted my registrars office at my current university again I have trying to get this taken care of for a month and this is very frustrating. No one from their administration offices contacted me either because I have no control over this form other than submitting it to the appropriate parties
Business Response
Date: 02/27/2026
February 27, 2026

REMOVED

WV 26003

REMOVED

REMOVED

To Whom This May Concern:

ECSI is the third-party billing servicer of student loans on behalf of REMOVED

The loans referenced in Ms. REMOVEDcomplaint are REMOVEDLoans (REMOVED) that originated with REMOVED. On February 4, 2026, Ms. REMOVEDsubmitted an incorrect type of deferment application, which resulted in the application being rejected. That same day, she contacted ECSI and spoke with a REMOVEDAdvocate, who explained the reason for the rejection and advised her to submit the REMOVEDLoan In-School Deferment form instead. Detailed instructions were provided on how to properly complete the form. During this call, Ms. REMOVEDrequested to speak with a supervisor; however, no supervisors were immediately available, so a ticket was entered for a supervisor callback.

On February 6, 2026, an ECSI supervisor attempted to contact Ms. REMOVEDtwice by phone and left detailed voicemail messages both times. On February 10, 2026, Ms. REMOVEDsubmitted the deferment forms again; however, the forms were incomplete, which resulted in a second rejection.

As a courtesy to Ms. REMOVEDECSI contacted REMOVEDon her behalf to inquire as to whether the university would accept a non-NFLP deferment form, as Ms. REMOVEDcurrent school refused to sign the required REMOVEDform. Ms. REMOVEDan employee of REMOVEDinformed ECSI that she would reach out to Ms. REMOVEDdirectly.

If Ms. REMOVEDwould like to talk with us or has any other questions, she is welcome to contact our REMOVEDDepartment at REMOVEDor visit REMOVEDand select Chat with ECSI.

Sincerely,

ECSI
Initial Complaint
Date:11/30/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I'm not responsible for this debt with REMOVED, because I never agreed to have a contract with ECSI. When requested, they did not provide me with the original contract they claim they have.
Business Response
Date: 12/05/2025
Dec 4, 2025
REMOVED
Daytime Phone: REMOVED
E-mail: REMOVED

To Whom This May Concern:
ECSI is the third-party billing servicer of student loans and delinquent tuition accounts on behalf of The REMOVED
We have reviewed Mr. REMOVEDcomplaint. As a courtesy to Mr. REMOVEDECSI reached out to the university on his behalf. The REMOVEDstated that Mr. REMOVEDloan is currently 48 months past due and that, because of the loans delinquency, they have assigned it to one of their collection agencies, REMOVED& Fudge.
Mr. REMOVEDloan contract is with the REMOVEDnot ECSI. ECSI is simply a third-party billing servicer for the university. Therefore, we suggest that Mr. REMOVEDcontact the university to request a copy of his signed loan contract.

If Mr. REMOVEDwould like to talk with us or has any other questions, he is welcome to contact our REMOVEDat REMOVEDor visit REMOVEDand select Chat with ECSI.

Sincerely,
ECSI
Initial Complaint
Date:10/27/2025
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This Happened today on the ECSI Phone Line, the person that answered the phone was very rude, laughed the entire time, and wouldn't answer my question, the only question I had was what do I do if my student return from REMOVEDdoesn't bounce off my bank, and return to ECSI, and he just simply said it wouldn't do that, and I asked him again, because I'm playing it safe right?? I'm just trying to know what to do if my return, gets lost, he said it again, "it won't get lost", while he's laughing, and he even had the audacity to end his call by saying stay "safe", yet that man gave me no information leading to my call. I also couldn't get in touch with his manager by phone or email. This Call happened at exactly 10:20am cst and the call lasted 9 min 9 sec from phone number REMOVED
Business Response
Date: 10/31/2025
October 31, 2025

ID: REMOVED
REMOVED
REMOVED
REMOVED, LA 70041
Daytime Phone: REMOVED
E-mail: REMOVED

To Whom This May Concern:
ECSI is the third-party servicer of financial aid refund disbursements for REMOVED
We have reviewed Mr. REMOVEDcomplaint. We appreciate this matter being brought to our attention.
We will review the call to ensure that our service standards were met and provide coaching to the REMOVEDRepresentative if necessary.
If Mr. REMOVEDwould like to talk with us or has any other questions, he is welcome to contact our
REMOVEDDepartment at REMOVEDor visit REMOVEDand select Chat with
ECSI.

Sincerely,
ECSI
Initial Complaint
Date:10/22/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am seeking to receive the original loan documents from this loan servicer to check the original terms and services and other things that are located in these documents.
Customer Answer
Date: 10/22/2025
They have failed to produce original student loan documents from REMOVEDfrom 2003 to 2012. Then REMOVEDallegedly was the current loan services after REMOVEDordered the loan to be transferred on August 2016. I want the original loan documents to challenge the validity, accuracy, and authenticity of the original student loans.
Business Response
Date: 10/22/2025
After a diligent search, our company is unable to locate a record for the complainant and determined this complaint needs to be directed to another company.
Customer Answer
Date: 10/22/2025
I am asking this business to provide with original burden of proof documents. As a student loan services they are supposed to sent original documents to borrower and in this matter. I want to check the validality, accuracy, and authenticity of the alleged student loan they had serviced from 2003 to 2012
Customer Answer
Date: 10/23/2025
Complaint Summary:
ECSI was the original servicer for my REMOVEDstudent loans, later transferred to REMOVEDaround 2012 or 2016. I have requested the original servicing and transfer documents from ECSI, but they have not provided them.
Complaint Details:
I need ECSI to supply copies of my original loan servicing records and confirmation of the transfer to REMOVED. This is not a policy dispute it concerns ECSIs failure to provide my account documentation.
Desired Outcome:
Please have ECSI provide all original servicing and transfer records related to my REMOVEDloans.

Customer Answer
Date: 10/24/2025
Hello and Im sending a clear copy of 2009 Student Loan Exit Interview that shows under Make Checks Payable and Mail to REMOVEDC/O E.C.S.I. I demand this case be reopened due to lack of understanding my claim making it seem like I provided conclusory information in the complaint.
Business Response
Date: 10/24/2025
E.C.S.I is not able to locate an account with the information provided. We will need a full account number and or social security number to further research this compliant.
Customer Answer
Date: 10/28/2025
Better Business Bureau:10/28/2025
We are unable to locate an account with the information provided (first and last name). We will need an account number, social security number, or billing statement to proceed with the complaint.
Additionally, please note that ECSI is not a creditor or lender. ECSI is a third party billing servicer for multiple colleges and universities nationwide, including REMOVED

Customer Answer
Date: 10/29/2025
They have the original records of this student loan I need Better Business Bureau to stop letting this corporation lie. I attached 4/28/2009 copy if original promissory note document that shows $7,740 owed to them and they haven't contacted me to retrieve the REMOVEDor account number they lazy and entitled making false claims to justify their bad cause acts.
Customer Answer
Date: 10/31/2025
There is no account number on the April 28, 2009 student loan exit counseling documents. REMOVEDcan use REMOVEDas the Loan ID #
Business Response
Date: 11/12/2025
November 10, 2025

REMOVED
DC 20016
REMOVED
REMOVED

To Whom This May Concern:

ECSI is the third-party billing servicer of student loans on behalf of REMOVED
We have reviewed Mr. REMOVEDcomplaint and identified that the account in question is a Federal REMOVEDLoan. According to ECSIs records, REMOVEDmade several disbursements on this loan from September 2004 through January 2007. The total principal balance on this loan after all disbursements was $7,740.
Our records reflect that REMOVEDassigned Mr. REMOVEDloan to one of their third-party collection agencies in August 2013 due to its delinquency. Mr. REMOVEDthen paid the loan in full via the collection agency in January 2014.
ECSI does not have access to the loan documents that Mr. REMOVEDhas requested, as we are a third-party servicer, not the lender of the loan. However, as a courtesy to Mr. REMOVEDwe reached out to REMOVEDon November 4 to request these documents on his behalf. There has been no response from the university as of the writing of this response. Because ECSI does not possess the requested loan documents and REMOVEDhas not responded to our request, Mr. REMOVEDwill need to reach out to the originating school himself to request these documents.
In Mr. REMOVEDcomplaint, he requests that ECSI provide the original 11 Federal REMOVEDLoan Documents before loans were transferred in 2012. ECSI does not service Federal REMOVEDloans. The only loan that we have a record of servicing for Mr. REMOVEDis the REMOVEDloan that was originated by REMOVED. We recommend that Mr. REMOVEDreach out to the REMOVEDwith questions about Federal REMOVEDloans.

If Mr. REMOVEDwould like to talk with us or has any other questions, he is welcome to contact our REMOVEDat REMOVEDor visit REMOVEDand select Chat with ECSI.

Sincerely,
ECSI

Customer Answer
Date: 11/13/2025
Better Business Bureau::
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This is a credit reporting dispute regarding inaccurate information furnished by REMOVED. The account in question is a Student Loan under Account Number: REMOVED. ESCI is inaccurately reporting a 90-day late payment for February 2020. This reporting is factually impossible as the account was functionally closed and inactive prior to the date of the alleged delinquency. A late payment cannot be generated on an account that is no longer active. REMOVEDhas failed to verify the accuracy of this information, in direct violation of the Fair Credit Reporting Act (FCRA), which requires all consumer credit data to be accurate, complete, and verifiable. I am seeking the following resolution: 1. Immediate deletion of the inaccurate late payment remark for February 2020 from all credit bureau reports (Experian, Equifax, TransUnion). 2. Written confirmation that the account history has been corrected.
Business Response
Date: 09/26/2025
Heartland E.C.S.I does not service REMOVED. Please contact REMOVEDor your loan servicer for assistance.
Customer Answer
Date: 09/26/2025
Hello, this correspondence addresses my ongoing dispute regarding the derogatory credit reporting by ECSI (Educational Computer Systems, REMOVEDrelated to my student loan with REMOVED
The core of my complaint is the inaccurate reporting of a 90-day delinquency and charge-off by ECSI.

At the time of the initial loan and the alleged delinquency (the 90-day late REMOVEDECSI was the appointed servicer for my REMOVEDstudent loan.
My account was closed and service was terminated by ECSI in November 2019, according to information received.
The loans were sold off or transferred to a new provider without any prior notification to me. I was not informed of the new provider's identity, contact information, or the necessary steps to transition my payments.
Subsequently, a 90-day late delinquency was reported on my credit file, followed by a charge-off.
If ECSI ceased to service REMOVEDUniversity loans as they have indicated, I demand an explanation as to how and why they reported a 90-day delinquency that would have occurred after this termination date. A 90-day delinquency would place the start of the late payments in the period following November 2019, when ECSI states they were no longer servicing the account.
I have attached supporting documentation, including:
Screenshots of the credit report showing the charge-offs and the 90-day late REMOVED.
The report from my credit advisor showing the ECSI/REMOVED

Business Response
Date: 09/29/2025
Heartland ECSI no longer provides services for REMOVED. We do not have access to account data for any REMOVEDborrowers and are unable to assist. Please contact REMOVEDor ION Tuition for assistance.

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