Complaints

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

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• 

  E.C.S.I.

  1200 Cherrington Pkwy Ste 200 Coraopolis, PA 15108-4354

• 

  E.C.S.I.

  100 Global View Drive Suite 800 Warrendale, PA 15086

• 

  E.C.S.I.

  p.o box 1030 Coraopolis, PA 15108

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:04/22/2024

  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.

  This company is awful and I do not understand how they are still in business or have not been sued for the crap they pull. I was enrolled in a school that is known for predatory enrollment and will max out a student's financial aid, then convince them to take out high interest loans- unfortunately I am one of those people that fell for it. I took out a Perkins loan in 2017 or 2016 from this company. In the last 4 years, they emailed me two "annual notices" for alternative payments. I thought this loan was already rolled into my other student loans and figured it was included with the pause on student loans and on deferment last year. Nope. I got a notice on April 15th that they are pre-accelerating it to collections and I had 30 days to resolve it. They literally sent it to collections on April 17th- THE DAY I CALLED THEM and said I will figure something out to resolve it (consolidate my student loans). They never updated my information, they had an old phone number and old address- even though they verified my current address. They keep giving me the run around about pulling it out of collections (they absolutely can) so I can consolidate it and keep telling me to call the collection agency but the collection agency keeps sending me back to them. I now have 15 grand in collections and stuck trying to figure out what to do. I am sure they will respond to this with some false BS about trying to contact me so I included screenshots. I really hope this company is sued.

  Business Response

  Date: 05/02/2024

  
  To Whom This May Concern:
  
  ECSI is the third-party billing servicer for student loans on behalf of Keiser University.
  
  ECSI is not involved with the amount or type of loan(s) that are offered or awarded to students. We have reviewed Ms. *******’s account, and her loans are Keiser Private loans. Our records do not show that Ms. ******* has a Perkins loan. Since Ms. *******’s loans are private loans, they can be consolidated at any time regardless if they are assigned to the school’s collection agency or ECSI.
  
  Ms. ******* would need to contact the collection agency for the amount needed to satisfy the balance owed. Reliant Capital Solutions, the school’s collection agency, can be reached at ###-###-####.
  
  
  
  Sincerely,
  ECSI

• Initial Complaint

  Date:04/15/2024

  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.

  Heartland / ECSI is essentially a syndicate. They collected autopayments from me for the entirety of COVID, even though no payments were due, and I had only authorized payments that were due. So now I obviously don't autopay them, and guess what, they don't send me any bills at all. They call this "electronic billing". But there's just no bills at all. I asked for electronic billing because mysteriously the paper bills only came every other month (so they could charge a late fee). So your options are: 1- autopay (whatever they choose) 2- "electronic billing" (never sent) 3- paper bills ("lost in mail" every other month). It's a racket. I'd tell you not to shop here but you didn't. They bought your loans in an attempt to extort you. Good luck!

  Business Response

  Date: 05/02/2024

  
  
  To Whom This May Concern:
  
  ECSI is the third-party billing servicer for student loans on behalf of Massachusetts Institute of Technology.
  
  We have reviewed Mr. *****’s account. Mr. ***** set up a recurring payment schedule on December 9, 2020, on ECSI’s student self-service portal. That recurring payment schedule was set to begin January 1, 2021, and draw each month until the balance was satisfied regardless of times of deferment or forbearance. Each month, before the draw against the recurring payment schedule, an email is sent to remind users of a pending payment on their account. Our records indicate these emails were sent to the email address provided on the schedule of ******@*****.com.
  
  Our review of Mr. *****’s indicates that when he set up his recurring payment schedule on December 9, 2020, he also elected to receive electronic billing statement notices. Electronic billing statement notices automatically shut off once an account becomes past due, and the delivery method is then switched to paper statements sent to the mailing address on file. The email address on file is ******@*****.com.
  
  ECSI is attempting to contact Mr. ***** to review his account and validate if he would like to discontinue receiving electronic billing statement notices. If Mr. ***** would like to talk with us or has any other questions, he is welcome to contact our Customer Service Department at ###-###-#### or visit https://**************.net and select ‘Chat with ECSI’.
  
  
  
  
  Sincerely,
  ECSI

• Initial Complaint

  Date:03/28/2024

  Type:Billing 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.

  I am filing a complaint against Heartland ECSI for mismanaging my forbearance and cancellation requests, leading to financial and legal issues, including a lawsuit. Despite only using 24 months of forbearance/deferment, Heartland ECSI incorrectly stated I exhausted 36 months, blocking further relief. My cancellation form, correctly submitted after initial rejection, was denied again for different reasons, suggesting deliberate misinformation. Consequently, my loan was defaulted and sent to collections, resulting in a lawsuit I cannot afford. I request Heartland ECSI to: 1. Remove my account from collections. 2. Stop the lawsuit. 3. Approve my cancellation request as I am employed in a qualified public service role. My attempts to resolve these errors have been met with inconsistent information and unwarranted rejections.

  Business Response

  Date: 04/17/2024

  
  To Whom This May Concern:
  
  ECSI is the third-party billing servicer for student loans on behalf of Rutgers University.
  
  We have reviewed Ms. ******’s account. Ms. ****** has exhausted the available 36 months in forbearance time available. Ms ****** used forbearance time during the following months:
  March 2013 to September 2013
  September 2017 to April 2018
  April 2018 to April 2019
  April 2019 to April 2020
  
  In addition to the above mentioned 36 months, the university awarded a COVID forbearbace from March 2022 to March 2023.
  
  Ms. ******’s requested deferment and cancellation was returned for corrections for clarification on each of the two applications. The first application was returned to correct dates on the application, and the second to obtain more information as to the institution where teaching or job description on letterhead and signed.
  
  At this time Ms. ******’s account has been assigned by the school to their collection agentcy. Should Ms. ****** have a new application with the needed corrections and additional supporting documentation, she can supply that to the school to request the loan is returned to ECSI.
  
  If Ms. ****** would like to talk with us or has any other questions, she is welcome to contact our Customer Service Department at ###-###-#### or visit **************** and select ‘Chat with ECSI’.
  
  
  
  
  Sincerely,
  ECSI

  Customer Answer

  Date: 04/24/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  ***** ******

• Initial Complaint

  Date:03/15/2024

  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.

  My NFLP loan is serviced by ECSI and every year I need to submit paperwork for partial loan forgiveness. This is my 3rd year completing these forms and every year is some absurd reason for requiring multiple submissions of this paperwork. It seems punitive and predatory how they just reject the forms to avoid loan forgiveness that I am entitled to based on being a full time teaching nursing faculty at the same college of nursing for the past 10 years. This year they rejected my forms with a note stating that I am not a nursing faculty! Despite having submitted a form signed by the Dean of the college of nursing certifying that I am employed faculty. I teach theory courses clinical course precept students and teach skills intensives. Yet ECSi took it upon themselves to “assume” that I am not faculty and reject my forms!

  Business Response

  Date: 04/01/2024

  
  To Whom This May Concern:
  
  ECSI is the third-party billing servicer for student loans on behalf of the University of Arizona.
  
  We have reviewed Ms. ******’ account and a cancellation and deferment have been applied to her account. The original application was missing the complete position title to include “Assistant Professor of Nursing”. The deferment was retroactive to cover March 2024 and continues for one year.
  
  If Ms. ****** would like to talk with us or has any other questions, she is welcome to contact our Customer Service Department at ###-###-#### or visit **************** and select ‘Chat with ECSI’.
  
  
  
  
  Sincerely,
  ECSI

• Initial Complaint

  Date:02/24/2024

  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.

  ECSI has continued to bill me even though I am a full-time student. They sent me a bill demanding payment in December which I paid. I then called them to tell them I have been a full-time student since October 2021. They told me I needed to fill out a form and have my school submit it to the clearinghouse so all entities could see I am still in school full-time. My school submitted the required paperwork per ESCI's instructions December 18, 2023. They also documented that I hung up on one of their representatives which did not occur. I still continue to get billed even though they have he ability so see the deferment document in the clearinghouse. I was told yesterday that I needed to upload the identical document but have it filled out by my school again because they will not accept the original due to it being more than 30 days old I asked repeatedly to speak to a supervisor because they keep giving conflicting instructions and continue to bill me knowing I am a full-time student. The rep I spoke with told me there was no supervisor available and was almost refusing my request. After I told him I was filing a complaint with the BBB, he became more accommodating. I will upload the requested document but do not trust this entity to conduct business in a professional manner.

  Business Response

  Date: 03/05/2024

  
  
  
  To Whom This May Concern:
  
  ECSI is the third-party billing servicer for student loans on behalf of the Medical University of South Carolina.
  
  We have reviewed Ms. *******’ account. She has a Nursing or Health Professions Loan. Ms. ******* requested deferment from 10/14/2021 to 09/30/2024. The deferment form did contain enrollment verification from Walden University, but the university only certified the borrower’s enrollment for the period of 02/26/2024 to 05/19/2024.
  
  ECSI has applied deferment to Ms. *******’ Nursing or Health Professions Loan for the period that Walden University has certified, however, without additional documentation there is a gap between the previous forbearance and this deferment. There is a balance presently due on Ms. *******’ account from the timeframe between that previous forbearance and this current deferment.
  
  Ms. ******* can file new student deferment paperwork, including certification of enrollment of at least half time in a qualified program that would cover the period of time during which this payment became due.
  
  If Ms. ******* would like to talk with us or has any other questions, she is welcome to contact our Customer Service Department at ###-###-#### or visit **************** and select ‘Chat with ECSI’.
  
  
  
  
  Sincerely,
  ECSI

• Initial Complaint

  Date:02/22/2024

  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.

  My college, Purdue Global, uses this company as a service to distribute government loans/refunds. On 2/8/2024, the day my refund was to be disbursed into my account, my banking information was changed at 12:35 am while I was sound asleep. I immediately called ECSI and was accused of changing my own information. That makes zero sense. I am in need of these funds, badly. Customer service first told me it would be fixed in 3-5 business days. I waited, nothing happened. Then I was told 7-10 business days. On each follow up call I am told something different. Now I am told 90 days. Upon doing research I find out that this company has had multiple complaints for this very issue. Some consumers never received their money yet had to pay it back. Today I requested the employees name and ID#. She said her name was Susan but refused to give me her ID#. I could tell from her accent that she was not American. When I asked which location she was at I was told they are in The Philippines. So our Government loans are being handled by other countries. This is not acceptable. I need my money asap. If you are reading this as a consumer that they have mishandled funds and are interested in a class action lawsuit against thus company please contact me at ********@*****.com.

  Business Response

  Date: 02/29/2024

  
  
  To Whom This May Concern:
  
  ECSI is the third-party billing servicer for student loans and refund provider on behalf of Purdue University Global Campus.
  
  We have reviewed Ms. ********’s complaint regarding her refund and upon review, Ms. ******** originally set up a bank account on the student portal for her refund on 12/15/2023 with a bank account ending in 0017, Regions Bank. Ms. ********’s bank information was then updated with a new ABA number for Regions where her refund was sent on 2/9/2024 at 1:35 AM. This bank information was changed again on 2/9/2024 to an account number ending in 7208, Regions Bank at 9:16 AM. Ms. ********’s refund was disbursed to the bank account that was set up on 12/15/2023. Ms. ********’s bank returned the refund to ECSI on 2/22/2024 and Ms. ********’s refund was reissued to her as a direct deposit on 2/24/2024 to the most recent bank account that was set up on 2/9/2024 at 9:16 AM.  We reached out to Ms. ******** to let her know on 2/26/2024 that her funds have been reissued.
  
  
  If Ms. ******** would like to talk with us or has any other questions, she is welcome to contact our Customer Service Department at ###-###-#### or visit **************** and select ‘Chat with ECSI’.
  
  
  
  
  Sincerely,
  ECSI

• Initial Complaint

  Date:02/21/2024

  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.

  Complaint Against ECSI Regarding Mishandling of Loan Account To Whom It May Concern, I am writing to file a formal complaint against ECSI regarding their mishandling of my student loan account. The details of my case are as follows: 1. **Incomplete and Inaccurate MPN:** - ECSI acknowledges that the Master Promissory Note (MPN) provided by the university is incomplete and inaccurate. - Handwritten MPNs lacking proper security and account details have been presented, raising doubts about the validity of the entire loan. - ECSI has not provided a Master Promissory Note (MPN) for a specific portion of the loan, raising concerns about the validity and documentation of that particular loan segment. - The absence of proper documentation further contributes to the uncertainty surrounding the accuracy of the reported loan details. 2. **Disputed Account Status:** - Despite recognizing the discrepancies, ECSI has marked my account as disputed with credit reporting agencies. - I am concerned about potential negative impacts on my credit profile due to ECSI's actions. 3. **Cease in Billing and Continued Obligation:** - ECSI has ceased billing activities on my account but emphasizes my ongoing obligation to pay. - This contradictory stance is causing confusion and frustration. 4. **Request for Resolution:** - I have requested ECSI to resolve the discrepancies with the university directly, as they handle billing on behalf of the institution. I request the BBB to investigate this matter thoroughly and take appropriate action to ensure that: - Removal of all invalid loans without proper MPN. - Any inaccurately reported information is rectified. - Negative impacts on my credit are addressed promptly. - ECSI is held accountable for the mishandling of my account and the discrepancies in the provided MPN. I appreciate your attention to this matter and look forward to a swift resolution. Sincerely, ******* ******* *******@*****.com

  Business Response

  Date: 03/12/2024

  ECSI has responded to Ms. *******'s CFPB complaint. The most recent complaint CFPB ID was 240124-13096374. In that response, we stated the following:
  ECSI has reviewed the documentation provided and has determined the documentation provided meets the requirement of valid proof of debt, however, has marked Ms. *******'s account as disputed with the credit reporting agencies since Ms. ******* has indicated she does not feel the signatures are hers. In these circumstances, this is the only action ECSI can take until the matter is resolved between the university and Ms. *******. ECSI has also placed a 'stop' on billing for her account as she has requested to no longer receive billing statements. Although ECSI will no longer be actively billing Ms. *******'s account, she is not relieved of her continued obligation to pay on the loan. The cease in billing activities will not prevent the regular payment from coming due each month nor becoming past due should payments not be made. Please be advised, that if payments are not made when due and the account should become past due you may be subject to additional fees and negative credit reporting, as well as possible assignment to a collection agency. The 'stop' will remain on Ms. *******'s account until such time that Ms. ******* contacts ECSI, in writing, to resume billing. ECSI does not act as an intermediary in these cases. Ms. ******* will need to dispute this matter directly with the university.
  
  ECSI is no longer actively servicing the account for the school.
  
  Since ECSI's last response, the lienholder, Long Island University, has assigned Ms. *******'s loan to their collection agency for non-payment. Reliant Capital Solutions is now the servicer of the account. They can be reached at ###-###-####, or by mail at *** ***** ***** *** *** ** ******** ** ******
  
  
  Thank you
  ECSI

  Customer Answer

  Date: 03/14/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  ECSI did not resolve the matter and assigned the loans that were not valid to collection agency. They reported incorrect amount to collection agency. These loans did not have proper MPN. The MPN has many mistakes indicating ECSI is a federal loan however ECSI is claiming to be a private loan. The MPN contains incorrect information and it’s hand written with alterations and is incomplete and invalid. Therefore, I do not have a loan with them. They made a mistake sending an invalid loan to collection agency. ECSI must take responsibility for their wrong incorrect actions.

  -------------------------------------------------------------------------

  Additional message:

  ECSI has a master promissory note with me that says federal but they claim to be private. This resulted in loans being invalid and inaccurate. They sent the incorrect and invalid loans to collection agency. What can BBB do in this case.

  
  Regards,
  
  ******* *******

  Customer Answer

  Date: 03/14/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  ECSI did not resolve the matter and assigned the loans that were not valid to collection agency. They reported incorrect amount to collection agency. These loans did not have proper MPN. The MPN has many mistakes indicating ECSI is a federal loan however ECSI is claiming to be a private loan. The MPN contains incorrect information and it’s hand written with alterations and is incomplete and invalid. Therefore, I do not have a loan with them. They made a mistake sending an invalid loan to collection agency. ECSI must take responsibility for their wrong incorrect actions.
  
  -------------------------------------------------------------------------
  
  Additional message:
  
  ECSI has a master promissory note with me that says federal but they claim to be private. This resulted in loans being invalid and inaccurate. They sent the incorrect and invalid loans to collection agency. What can BBB do in this case.

  
  Regards,
  
  ******* *******

  Customer Answer

  Date: 03/21/2024

  Thank you for writing back to me. I’m not sure if Long Island University sold federal health
  professions with ECSI to a private lender or not, what I am sure is that they claimed these
  Health profession loans are federal and they had misleading, incorrect , incomplete master
  promissory notes for them. Long Island University will not provide any answer. They
  mentioned to ask ECSI about the situation and ECSI mentions to ask Long Island University
  regarding this and the issue doesn’t get resolved but gets passed on. Both Long Island
  university and ECSI sold the loan to collection agency in order to not deal with the issue and
  they added 10,000$ to the total amount before sending it to collections agency without
  explanation. I wrote the information you requested here for the complaint although I’m not
  sure if the complaint could resolve the issue.

  
  My name is : ******* *******
  My phone number is: **********

  
  Business I’m completing a complaint on: Long Island University (Brooklyn and Post campus)
  and ECSI

  
  Date: 2018-current

  
  Description of issue: Long Island placed ECSI loans on my student account stating the loans
  are federal and made a federal master promissory note with me. Later, ECSI claimed these
  loans are private and no longer have federal terms and conditions apply to them. Upon
  re-reviewing these MPN terms and conditions there are many mistakes and alterations found
  to the original MPN such as referring to the loan as private on 1 page and federal on other
  pages. These loans do not have proper MPN and are not valid. I have a written
  communication from Long Island university directors stating the loans are federal. This is
  misleading and not clear. This caused mistakes and made the entire loan invalid.

  
  Furthermore, the handwritten MPN seems to be altered raises a great concern as to validity
  to these loans amounts, type and etc.

  
  resolution : proper resolution would be to either make the full 29K loan amount to Federal as
  originally promised on the original MPN or remove the full amount as it’s not valid without
  proper MPN. Other resolution is to contact collection agency and drop the incorrect 38,000$
  reported to collection agency by ECSI and Long Island University. selling a loan without
  proper MPN , with incorrect amount and invalid to a collection agency does not resolve the
  issue. This is not the right way to deal with an invalid loan.

  
  Best regards, ******* *******

  -------------------------------------------------------------------------------------------

  
  On Fri, Mar 15, 2024 at 3:07 PM ******* * <********@*****.com> wrote:
  The MPN they provided is misleading and completely incorrect causes the whole
  loan amount to be invalid. In the MPN, they stated to be a federal loan. Federal
  loans run by education department and have set terms and conditions such as
  Save plan and other options. After my graduation, ECSI claimed these loans to
  be private without Save plan and without any terms and conditions that applies
  to federal loans. I do not have any accounts with them as originally I never
  signed up for an account with them. The following loans were placed by Long
  Island University on my account with false, misleading handwritten agreement
  terms and conditions stating these loans are federal both in MPN and in written
  communication via email from director of enrollment services (I attached these
  documents below). Long Island University blamed ECSI for misleading
  information and ECSI blames Long Island University and they pass the issue to
  each other without resolution while they sent a large incorrect amount that I
  never agreed on and was never aware of to collection agency. The entire loan
  amount, terms and conditions is invalid based on the incorrect and incomplete
  MPN. If you could let me know what BBB could do in this case, I would
  appreciate. Thank you

  Business Response

  Date: 03/27/2024

  ECSI no longer services Ms. *******'s account for Long Island University.
  Any issue will need to be addressed with the university or their collection agency.

• Initial Complaint

  Date:02/20/2024

  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.

  This organization refuses to provide me with my 1098-t tax statement for tuition costs relating to my college education. I paid $1300+ in 2023 in tuition fees. When I sought a 1098-t, I was directed to the website to this company. The website loops me around and logs me out and does not provide the tax form. There is no chat or phone service available (or accessible). My college, Santa Monica College is legally mandated to furnish me with my 1098-t and has outsourced this responsibility to this company. I may be separately be complaining against the college, though it is a public institution. I am demanding a copy of my 1098-t tax statement issued to me without any hindering online requirements.

  Business Response

  Date: 02/29/2024

  
  
  To Whom This May Concern:
  
  ECSI is the third-party tax document servicer for 1098-T forms on behalf of Santa Monica College.
  
  We have reviewed our records for the school. ECSI printed and mailed all students’ tax forms before the IRS mandated January 31st deadline. We have verified that Mr. Parker’s 1098-T was mailed to the address supplied on this complaint.
  
  If Mr. Parker would like to talk with us or has any other questions, he is welcome to contact our Customer Service Department at ###-###-#### or visit **************** and select ‘Chat with ECSI’.
  
  
  
  
  Sincerely,
  ECSI

• Initial Complaint

  Date:02/18/2024

  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.

  I have a student loan that I am paying through this services. I have updated my information multiple times to initiate an autopay in order to make on time payments. The autopay feature on this website does not work and I have been past due multiple times due to this. I have tried to access the website and am usually met with an error means unable to proceed to the payment page. This error message happens on all internet browsers. So I am unable to make payments. I have tried calling the company and using the chat feature online but I have only been able to speak with a person on one occasion to help set up my auto pay again. The issues with being unable to pay my balance is having a negative effect on my credit score.

  Business Response

  Date: 02/29/2024

  
  
  To Whom This May Concern:
  
  ECSI is the third-party billing servicer for student loans on behalf of University of Mississippi Medical Center.
  
  We have reviewed Ms. *******’ account and determined that she set up recurring payments for her account on two separate occasions. Both times, the payments were systematically removed because of payment rejections from the banking institution due to insufficient funds.
  
  The first of these recurring payments were rejected on October 25, 2022 and November 24, 2022. The second of these recurring payments were rejected on September 25, 2023 and October 25, 2023. When these payments were rejected by the banking institution, ECSI sent a letter to Ms. ******* informing her of what had occurred.
  
  Our records reflect that the activity on Ms. *******’ account has been reported accurately to the credit bureaus.  We have verified that no error in reporting has occurred and we will continue to report the factual credit history on the loan. 
  
  If Ms. ******* would like to talk with us or has any other questions, she is welcome to contact our Customer Service Department at ###-###-#### or visit **************** and select ‘Chat with ECSI’.
  
  
  
  
  Sincerely,
  ECSI

• Initial Complaint

  Date:02/13/2024

  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.

  Heartland ECSI has been destroying my credit by reporting inaccurate information. I made multiple attempts to upload supporting documents for the student loan that I have with them and their system continued to have issues preventing me from submitting my documents. I had to call them multiple times until finally, a representative suggested that I upload my supporting documents under another economic hardship which I did and it was successful. After not receiving any response on the status, I checked their system and noted that the economic hardship deferment was approved. I called them to request that they make the correction to my credit reports as their reporting continues to destroy my credit. They stated that they would need to continue reporting the account as delinquent until 30 to 60 days. I requested that they send me an email of the approval so that I could send it to the credit bureaus myself, they agreed but failed to do so. When I asked them about the notice, they claimed that they emailed it to me, I told them I did not get anything from them, checked my spam folder as well, and requested that they resend it, but they failed to do so.

  Business Response

  Date: 02/23/2024

  
  
  To Whom This May Concern:
  
  ECSI is the third-party billing servicer for student loans on behalf of Yeshiva University.
  
  We have reviewed Ms. *****’ account and have identified that an entitlement was posted to her account on February 13, 2024. The entitlement applied to the account covers from November 2023 until May 2024.
  
  Our records also indicate that the credit reporting was updated for the same period to show as current and in good standing. Information reported to the credit agencies may take 60 days to update.
  
  If Ms. ***** would like to talk with us or has any other questions, she is welcome to contact our Customer Service Department at ###-###-#### or visit **************** and select ‘Chat with ECSI’.
  
  
  
  
  Sincerely,
  ECSI