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.

close

Find a Location

E.C.S.I. has 3 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  E.C.S.I.

  1200 Cherrington Pkwy Ste 200 Coraopolis, PA 15108-4354

• 

  E.C.S.I.

  p.o box 1030 Coraopolis, PA 15108

• 

  E.C.S.I.

  100 Global View Drive Suite 800 Warrendale, PA 15086

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:04/26/2023

  Type:Sales and Advertising 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 reporting that I have a student loan in default and I paid off ALL my student loans over ten years ago. When I called the us department of Education they sent me another settlement letter stating all my past student loans were paid in full. Then when I call the company they say I have zero balance when I call another number they say I am in default. when the agent verified my account they had an address that I hadn't lived at in over 20 years, no email address, and no current phone number either. But for since 2021, they've been reporting on my credit report for student loans that were paid off in 2013. I uploaded supporting documentation when I spoke with the department of education and they advised again ALL STUDENT LOANS WERE PAID OFF!

  Business Response

  Date: 05/02/2023

  The company also received a complaint through CFPB #*************** for Ms. ****. We will upload response through their portal.

  Customer Answer

  Date: 05/04/2023

  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.
  
  
  
  I have provided documentation of a payment history on these loans. I have contacted the us department of education. I was also never notified in any form of wring that my loan was in default or did Esci have it. IF you did send out a letter informing me of this balance that I paid off when was it sent and where did you send it? I also was supposed to have a supervisor call me and that never happened.  judging by all the other complaints filed against ESCI this is not the first time you have done this to someone. PLEASE FIX THIS!  
  
  Regards,
  
  
  
  ****** ****

  Business Response

  Date: 05/15/2023

  
  
  To Whom This May Concern:
  
  Please be advised that ECSI
  (Educational Computer Systems Inc.) and EFPLS (ECSI Federal Perkins Loan
  Servicer) are different servicers. ECSI is the third party billing servicer for
  student loans on behalf of multiple colleges and universities nationwide. EFPLS
  is the Department of Education’s student loan servicer for Federal Perkins
  loans.
  
  We have reviewed this complaint and
  identified that the loan in question is a Federal Perkins loan that has been
  assigned by the school to the Department of Education. Ms. ****’s loan is
  serviced by EFPLS.
  
  Ms. ****’s complaint is that her Federal
  loans were consolidated March 26, 2001 and then paid through a settlement
  through the Department of Education on March 13, 2020. EFPLS reached out to the
  Department of Education’s default management group, Debt Management and
  Collections System (DMCS), to ask that they review her account to validate if
  her consolidation and settlement included the Perkin’s loan that is serviced by
  our office and was assigned to the Department of Education September 29, 2021.
  DMCS confirmed that a settlement was made for her loans, however, her Perkins
  loan was not included in the original consolidation that was settled with DMCS.
  The Perkins loan was assigned by the university after Ms. ****’s consolidation
  and was therefore not part of the settlement.
  
  If you would like to file a complaint, report suspicious activity,
  or provide feedback, please contact the Department of Education through the
  Federal Student Aid (FSA) portal. The FSA Feedback System aims to assist
  students in resolving disputes and leaving feedback related to Federal student
  loans. You can access the FSA Feedback System here:
  https://********************************************.
  
  If Ms. **** would like to reach out
  to EFPLS, the Department of Education’s student loan servicer for Federal
  Perkins loans, we ask that she please call us toll-free at ###-###-####.
  
  
  
  Sincerely,
  
  ECSI Federal
  Perkins Loan Servicer
  

• Initial Complaint

  Date:04/18/2023

  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 went to Rutgers Camden up until 2018 then I transferred to Rowan. They had emailed me about a month after transferring about wall damage they claimed I caused $80 worth of. I explained I had tape on the wall and pulled off a little bit of paint. A little bit of paint isn't worth $80 worth of damage. I tried to appeal the damage but they denied it.
  
  
  
  In 2020/2021, ESCI, to who Rutgers sent the delinquent student debt for wall damage and my Perkins loan, told me I had to pay that wall damage and my Perkins loan even though I was still in school and tried to charge me and put interest on my loan. They stated that Rutgers informed them I wasn't a student anymore in 2020, even though I transferred to Rowan and was still a student at that time just at a different school. Rutgers knew that because they sent over my transcripts to Rowan. They decided during the height of the pandemic when people are dying, losing income, and struggling to pay rent to try to then charge me instead of when I first left Rutgers. I reached out to Rutgers about the delinquent debt for the wall damage again. Rutgers had provided me with the wrong room claiming it was mine, but once I showed them the actual wall from my room they admitted that they sent me the wrong photo as proof of my damage, and then sent me another wall claiming its mine
  
  
  So after I graduated from Rowan in 2021, ESCI told me I had to start paying off my Perkins loan in march of 2022, saying that my Perkins loan had been out of deferment,which I didn't know. ESCI told me I couldn't even pay for my delinquent charge because they sent it to collections. So I called ESCI and gave them my information over the phone to pay for my Perkins loan, instead ESCI they used it to pay for the delinquent loan, which was in collections and gave me back the money. I was able to pay for my loan online, which they told me I couldn't do. Now currently in 2023, they’re withholding my tax return and still sending bills and adding interest

  Business Response

  Date: 04/19/2023

  ECSI previously responded to the complaint filed to the CFPB on March 31, 2023:
  April 13, 2023
  
  
  ID: ***************
  
  
  
  ******** ****
  *** **** *** ******
  ***** *********** ** *****
  ******************
  ************
  
  
  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. ****’s dispute of the balance owed to the university for damages would need to be disputed directly with their appropriate office. ECSI has, on Ms. ****’s behalf, brought this matter to their attention. The university indicated that the amount due was valid and has been discussed with Ms. **** previously. ECSI also inquired on the possibility for Ms. **** to pay the university directly or through another avenue. The university indicated that the balance would need to be paid through ECSI.
  
  If Ms. **** would like to talk with us or has any other questions, she is welcome to contact our Customer Service Department at ###-###-####.
  
  
  
  
  Sincerely,
  ECSI
  
  
  

  Customer Answer

  Date: 04/19/2023

  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.
   
  
  Regards,
  
  
  
  ******** ****

• Initial Complaint

  Date:03/28/2023

  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 was notified that I owe Georgia State University (GSU) as a result of disputing another creditor on my credit report and being sent my credit report. I saw that GSU had posted a new account on my credit. Now I graduated from GSU over 10 years ago and therefore should have been notified sooner than seeing it on my credit report. Also, I paid a student loan off last year, which I was under the assumption that this was. Secondly, I filed for bankruptcy in 2018 and it was discharged in 2021. In that time, I should not have had any debt accumulating on my credit report. This account was added last year with collections from 2017, most of 2018, all of 2019, 2020, 2021, and 2022 which is illegal. At this point, this agency/servicer cannot provide me with accurate information as GSU provided details that was provided and this agency has not been truthful with that information.

  Business Response

  Date: 04/28/2023

  
  
  To Whom This May Concern:
  
  ECSI is the third-party billing
  servicer for student loans on behalf of Georgia State University.
  
  We have reviewed Ms. ********’
  account. ECSI’s records did not reflect that the bankruptcy on Ms. ********’
  account had been discharged. ECSI reviewed Ms. ********’ bankruptcy and was not
  able to find that an adversary proceeding was filed to show undue hardship to include
  her student loan in the bankruptcy. During active bankruptcy, ECSI’s system, in
  compliance with bankruptcy laws, does not generate billing statements while an
  active bankruptcy exists on the account. ECSI has updated our records to
  reflect that the bankruptcy on her account has been discharged and billing
  statements will now resume.
  
  ECSI has reviewed Ms. ********’
  account and identified that her Perkins loan may qualify to be rehabilitated. To
  rehabilitate a Perkins loan, a student is required to make on-time, monthly
  payments each month for nine (9) consecutive months. The loan is not considered
  rehabilitated until the receipt of the ninth (9th) consecutive, on-time monthly
  payment. The benefit of rehabilitation is that a Perkins loan will be returned
  to a current status and negative historical information regarding the loan will
  be removed from credit bureau files. To pursue rehabilitation of her Perkins
  loan, Ms. ******** will need to contact ECSI to discuss a rehabilitation
  agreement.
  
  If Ms. ******** would like to talk
  with us or has any other questions, she is welcome to contact our Customer
  Service Department at ###-###-####.
  
  
  
  
  Sincerely,
  ECSI

• Initial Complaint

  Date:02/17/2023

  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.

  ECSI Heartland is a former loan servicer of mine. I paid off in full the loan that they serviced. Over the course of the loan, I moved and updated my information with ECSI and all other relevant authorities. ECSI neglected to correct my address and they mailed my tax forms, including highly sensitive information (with my social security number), to my old address. They claim they were notified of my change in address after they mailed my tax forms even though I dispute this. They refuse to mail me a copy of my tax forms to my current address. I have been hung up on every time I call to speak with a customer service representative, nor do they seem bothered by the fact that they have just exposed my personal information to the world. I find this loan servicer challenging to get ahold of, their customer service is rude, and they are depriving me of information I am entitled to. Other people should be made aware of their unethical practices and encouraged not to do business with this entity.

  Business Response

  Date: 02/27/2023

  
  To Whom This May Concern:
  
  ECSI is the third-party billing servicer for student loans on behalf of College of the Holy Cross.
  
  We have reviewed Ms. ********* account. The address on the account was updated on January 10, 2023, after ECSI received notification from the Postal Office of a change of address. Prior to this change, the address was last updated during a contact with Ms. ********* on October 24, 2017. Any tax forms mailed to an address for which the Postal Office has a change of address are returned to ECSI and the updated address is provided to the school that owns the loan.
  
  The tax form generated is also available on the student account portal at ****************. On February 20, 2023 and February 21, 2023, ECSI attempted to contact Ms. ********* to assist her in pulling her tax form from the student portal. On February 22, 2023, as a courtesy to Ms. *********, ECSI regenerated the tax form with the updated address to be mailed out.
  
  If Ms. ********* would like to talk with us or has any other questions, she is welcome to contact our Customer Service Department at ###-###-####.
  
  
  
  
  Sincerely,
  ECSI