Heartland Payment Systems Inc.

I am an original Class Member in the XXXX XXXX XXXX ( now XXXX XXXX XXXX ) federal settlement ( App # XXXX ). I attended XXXX University ( an Exhibit C school ) and was granted Full Settlement Relief by the U.S. Dept. of Education on XX/XX/XXXX. My discharge was legally mandated to be completed by XX/XX/XXXX. As of today, XX/XX/XXXX, XXXX ( Heartland XXXX ) is in direct violation of this court order and continues to bill me for a debt that should be a {$0.00} balance. On XX/XX/XXXX, I attempted to provide XXXX formal legal notice of my status and proof of my pending Direct Loan Consolidation. XXXX " Client Support '' responded by refusing to accept written legal notice, falsely claiming they do not permit email communication with borrowers. This is a bad-faith tactic to avoid their legal obligations under the settlement and the FDCPA.

Put in several requests with my account rep ahead of time to cancel my account. Account rep never cancelled my account and claimed someone else reopened it. I have been billed a monthly fee for service I was not using and was told was terminated totally {$260.00} what I am currently owed. They also added on a technology fee that I was not expecting of {$490.00} right after I closed the account. Merchant ID XXXX Call back XXXX Name of Business : XXXX XXXX

Account Details & Timeline : Original Loan Amount : {$2000.00} ( XXXX XXXX ) Active Enrollment Period : Fall XXXX through XX/XX/XXXX ( Proving active student status and valid contact info ). Date Account Erroneously Placed in Repayment : XX/XX/XXXX2025 ( Bypassing post-deferment grace period ). Date Erroneous Default Triggered : XX/XX/XXXX2025 ( Assigned " Can not Locate Consumer '' status ). I am caught in an unresolvable loop between my former loan servicer ( Heartland ECSI ) and the XXXX XXXX XXXX ( XXXX ) regarding a blatant Title IV compliance failure. Heartland ECSI assigned a dormant XXXX XXXX to XXXX. In doing so, XXXX provided XXXX with falsified and incomplete demographic dataspecifically, a defunct address from 2020 and zero phone or email contact information. As a direct result of ECSI 's negligent data transfer, DMCS placed my account into default under the status " XXXX XXXX Can not Locate Consumer '' a mere TWO DAYS after receiving the file.…

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We sent this request to XXXX XXXX : To Whom It May Concern, I am writing regarding our merchant account under XXXX XXXX ( d/b/a XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Our records confirm that there has been no processing activity on this account since XX/XX/XXXX. Despite this prolonged inactivity, XXXX XXXX has continued to withdraw monthly fees. We can find no documentation reflecting continued service usage, nor any evidence of active merchant processing during this period. While we are unable to locate our cancellation records from that time, it is undisputed that the account has had zero transaction activity for over two years. Continued billing under these circumstances is unreasonable and unsupported by any ongoing service benefit. As a good-faith effort to resolve this matter without escalation, we are requesting reimbursement of the most recent 15 months of fees only, totaling {$6800.00}, covering XX/XX/XXXXXXXX through XX/XX/XXXX.…

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Im reporting identity theft. In XXXX I applied for a student loan and finished the school and paid it off which at the time was an interest free {$2500.00} loan. The XXXX XXXX of the school in the downtown area of XXXX XXXX CT was very deceptive he made me feel very uncomfortable, but I finally finished school and I never went back In XXXX & XXXX there are XXXX loads that I never applied for. I have reported it and it is identity theft. XXXX loan was for {$2500.00} & {$2200.00}. These are not my loans. Im now XXXX and retired after XXXX yrs someone got away with my personal information. I believe it had to be that XXXX XXXX. The school got shut down for many bad reasons. Im not sure if this person applied for many other things.

I formally disputed this alleged debt on XX/XX/XXXX and requested full debt validation, including a signed contract and itemized calculation of the {$6800.00} balance. The collection agency failed to provide any documentation. Despite this, the account was updated in XX/XX/XXXX on my credit report. XXXX removed the account, proving inconsistent reporting, while XXXX and XXXX continued reporting and updating the balance without conducting a reasonable investigation. The amount is inaccurate and unsupported. I am requesting immediate deletion and full correction of my credit report

I originally had a merchant processing account with TSYS XXXX under Merchant ID XXXX. An agent, XXXX XXXX of XXXX XXXX XXXX XXXX, offered to switch me to another TSYS account under Merchant ID XXXX to lower my processing fees. After switching, I discovered I was being billed by both accounts at the same time. I informed the agent and told her to cancel the new account because I would return to my original provider. My original agent assisted in closing the new account, and TSYS XXXX later confirmed the account was closed on XX/XX/year>. Despite this confirmed closure, charges under the second account continued to be withdrawn from my bank account. The account never processed transactions and generated only recurring fees. The company has refused to refund the charges and instructed me to contact the agent instead. I am requesting reimbursement of all withdrawals taken after XX/XX/year> and a full accounting of the charges.

Company Name : XXXX XXXX Issue : Transparent Pricing / Unfair Billing Practices/ Predatory Rate Increases To Whom It May Concern, I am filing this formal complaint against XXXX XXXX regarding a pattern of predatory and non-transparent billing practices. Over the past XXXX years, I have observed a series of unexplained rate increases and " junk fees '' applied to my merchant account without clear, prior notice or any commensurate increase in service value. The core of my grievance involves : Lack of Proper Notification : XXXX XXXX consistently implements rate hikes without sending direct, conspicuous notifications. Hiding fee changes in the fine print of lengthy monthly statements does not constitute fair or transparent business practice. Unjustified Escalation : My effective processing rate has climbed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX These increases appear arbitrary and do not reflect industry-standard interchange adjustments.…

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In XX/XX/XXXX, I submitted complete and qualifying loan cancellation paperwork to my prior loan servicer ( XXXX ) by certified mail. The submission was delivered and picked up on XX/XX/XXXX. The paperwork included signed employer verification of qualifying teaching service. The servicer relied on this same documentation to apply a deferment, confirming receipt. However, the required partial loan cancellation was never processed, and I was never issued a denial, deficiency notice, or request for additional information. Shortly thereafter, servicing of the loan was transferred to XXXX XXXX. XXXX has stated that it does not have a record of the cancellation paperwork and has directed me to submit documents again, without addressing the prior documented submission or the reliance placed on it by the prior servicer. On XX/XX/XXXX, during live chat with XXXX, I provided certified mail delivery evidence showing the XX/XX/XXXX submission.…

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I am submitting this complaint regarding incorrect billing and credit reporting by my student loan servicer, Heartland ECSI. While I was enrolled in school prior to XX/XX/XXXX, I was charged several times, but those charges were later stopped after my enrollment was verified. After I graduated in XX/XX/XXXX, I informed XXXX that I was still enrolled in school. I later withdrew in Fall XXXX and then re-enrolled for XXXX XXXX. Since re-enrolling, I have submitted enrollment verification multiple times through XXXX and by uploading my class schedule. However, my proof keeps being rejected or removed from my account without explanation. Despite being enrolled and eligible for in-school deferment, XXXX has continued to bill me and is now reporting my account as past due by several months. These late payments are being reported on my credit report and have damaged my credit. I have attempted to resolve this issue directly with XXXX, but it has not been corrected.…

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I was enrolled in a " Deferment '' status to obtain my XXXX XXXX. I had to re-submit a form to reinstate my deferment for my current enrollment in a XXXX XXXX. I have now submitted the form a total of 8 times and spent countless hours both speaking with representatives on the phone and submitting their requested documentation. Every time I submit an application, I call and verify what information is needed, and every time they deny for an entirely different reason.Although all other aspects of the application were the same, I would receive a new denial they had not informed me about before. This was frustrating but I was compliant and resubmitted again. Now that I do have all requested information, they are repeatedly questioning the validity of the documents and the way in which I am submitting the forms although I have verified many times over that both are submitted exactly in the way they require. I have spoken to multiple customer service agents at XXXX as well as a specialist.…

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I have been with this company for about 14 years using the service to run credit cards in my business. Over the last 5 years they have slowly increased fees and percentage charges to me by about XXXX x over industry average. I will call the company and they will get the charges back in average industry range then over 6 months slowly raise the charges. This has gone back and forth until I have terminated them and going with another company. My last statement from them shows I collected XXXX and they charged me XXXX because of a new XXXX annual administration fee which has never been charged that amount. I am filing this complaint more to protect others using there services without knowing they are being overcharged with no oversight. I can provide more information if you need. The company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company : TSYS / Global Payments Summary of Issue : TSYS charged me PCI non-validation and non-compliance penalty fees that were not required for my type of merchant setup, and these fees were charged without notice - they did not call, fax, write, or email, or attempt to notify me in any way. In fact, I never receive any kind of pro-active communication from them. Once I discovered these charges, I also discovered that they started charging a paper statement fee even though I do not receive any paper statements. Details : I have been a TSYS customer since XXXX. I am a very low-volume credit card merchant, averaging under {$2000.00} per year in processing. I use a standalone XXXX terminal ( that was purchased from TSYS ) that encrypts card data and does not connect to or pass card data through any computer system. It is my understanding that under PCI standards, this setup does not require quarterly scans or quarterly validation.…

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My wife started a business called XXXX XXXX XXXX, which was closed in XX/XX/year>. Unbeknownst to me, XXXX XXXX has continued to withdraw various amounts of funds from my bank account, amounting to thousands of dollars since that time. We attempted to get them to return the funds, which they ignored, and they even ignored the attorney general 's office. This amounts to unauthorized recurring fraudulent charges, for which the company chooses to ignore. I only uploaded two examples, as it is several pages spanning 13 years, and at this time I was only able to retrieve the last two years of bank statements.

Heartland XXXX reported a 30-day late payment on my student loan account for the period between XX/XX/XXXX and XX/XX/XXXX. This occurred during a period in which I was experiencing serious physical and mental health issues, including a hospitalization for XXXX XXXX, followed by a difficult recovery that significantly impaired my ability to manage routine financial matters. During this same period, I successfully placed my XXXX student loans into administrative forbearance as part of responsibly managing my obligations while addressing my health. I fully intended to request administrative forbearance for my Heartland XXXX account as well, but due to my compromised physical and mental state during recovery, I did not complete that request. I did not receive any late payment reminders during this period. The first notice I received regarding the delinquency was an email on XX/XX/XXXX.…

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On XX/XX/XXXX I was notified that my loan service would be transferred from XXXX XXXX XXXX XXXX XXXX Heartland XXXX for servicing of my Federal XXXX XXXX XXXX start in XXXX. On XX/XX/XXXX, I tried to set-up an Auto-Pay payment using my credit card. I was returned an " unexpected error '' message. I paid a one-time payment to fulfill that month 's debt. In XXXX, I missed my payment. I was not notified that there was a payment approaching, nor that my payment was overdue. I realized this in XXXX when it dawned on me to pay this loan. Once again, I tried setting-up an XXXX and I encountered an " unexpected error ''. In XXXX, I remembered my payment. I tried setting-up an XXXX and I encountered an " unexpected error ''. In XXXX, I tried setting-up an XXXX and I encountered an " unexpected error ''. I called the service desk number and was greeted by their call center representative.…

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I am submitting this complaint to request assistance resolving an incorrect default determination on my XXXX XXXX XXXX serviced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). On XX/XX/XXXX, I received a notice from XXXX stating that I had 30 days to submit a payment of {$120.00} to prevent my loan from going into default. I complied with this notice and made the required payment on XX/XX/XXXX. My bank records confirm that the payment cleared on XX/XX/XXXX, which was within the XXXX timeframe outlined in the notice. As such, my loan should not have entered default status. Despite timely payment, XXXX incorrectly placed my loan into default and transferred my account to the U.S. Department of Education XXXX XXXX XXXX. I subsequently received a letter dated XX/XX/XXXX, indicating that I had 65 days to respond before wage garnishment would begin. I first contacted XXXX regarding this issue on XX/XX/XXXX, and followed up again on XX/XX/XXXX and XX/XX/XXXX.…

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I signed up for a local XXXX class that used XXXX XXXX XXXX as a third party sign up website. Apparently in signing up, I agreed to a month long free trial to an ACTIVE XXXX membership. I do not remember signing up for this free trial. I then received an email a month after my XXXX class saying the trial is over and I would be charged {$99.00} and change. Less than XXXX minutes after I received this email I was charged. I've emailed the company to request a refund and they offered me continued services with some deal sweeteners. I reiterated my refusal to be apart of ACTIVE XXXX LLC and requested a refund again. I am still currently waiting on the refund. I did not knowingly sign up for a free trial or a paid membership with ACTIVE XXXX LLC at any time.

I am submitting this complaint regarding my XXXX XXXX XXXX serviced by ECSI. My account became delinquent due to confusion and lack of clarity in the forbearance application process, not due to willful nonpayment. In XXXX, I accessed the forbearance request application through a link in the ECSI portal, which directed me to StudentAid.gov, where I completed and submitted the form online. It was not clear to me that I was also required to separately mail a physical copy of the request directly to the ECSI XXXX XXXX XXXX XXXX. Additionally, I did not receive the first two billing statements due to mail being misplaced by roommates, and the most recent bill arrived while I was away from home for the holidays. As soon as I became aware that my account was at risk of delinquency, I acted immediately and mailed my forbearance request in good faith on XX/XX/year>.…

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I was charged {$99.00} on XX/XX/year> for a supposed annual membership by ACTIVE Network LLC. On my credit card it shows up as " XXXX XXXX XXXX '' At the same time, I received an email from XXXX acknowledging my supposed membership. I have never received an email from their domain before, I have never heard of them before, and I certainly did not sign up for an annual membership with them. I sent an email to them on XX/XX/XXXX, and have demanded a full refund. Could you please assist with resolving this dispute, and further look into ACTIVE Network LLC? After a cursory glance I see that many other individuals are reporting the same experience online, so this appears to be a pattern for the organization. Thank you very much! XXXX

XX/XX/year> I was charged {$99.00} for an annual subscription fee that I never signed up for. The card it charged was a card I had frozen and not been using the past year. This is a known scam that XXXX does. When you sign up for a local XXXX the vendor typically uses XXXX to process results. But what active does is they take advantage of the runners by adding a free trial for a subscription. But if you cancel before the trial ends they will still charge you and they make it impossible to reach them for a refund. It is sickening that even in the US I have to deal with scammers from my country. Their " advantage '' subscription literally provides not benefits or service and is clearly only there to steal {$100.00} from unsuspecting runners. I genuinely just want my account them deleted and my money refunded. Even if its not the full amount I need something back because they provide nothing.

I am filing a complaint regarding unauthorized charges made by TSYS/XXXX XXXXXXXX to my business bank account. My business stopped using TSYSXXXX more than two years ago. My merchant account has been completely dormant with no processing activity whatsoever. Despite this, TSYS continued to withdraw monthly fees from my bank account ranging from approximately {$200.00} to over {$900.00}, totaling {$7800.00} between XX/XX/XXXXXXXX and XX/XX/XXXX, even though no services were used. On XX/XX/XXXX, I spoke with a TSYS representative named XXXX XXXX, who confirmed that my account was dormant and that it needed to be closed. He stated during that call that the account would be closed. At that time, I also requested a complete statement history, but he was only able to provide statements from XX/XX/XXXX through XX/XX/XXXX, even though the account had been dormant longer than that.…

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My XXXX XXXX was serviced by XXXX. I called on XX/XX/XXXX and again on XX/XX/XXXX in an attempt to access my account and set up payment ( after prolonged inability to log in to online account despite having correct information ) to rectify my account and set up autopayments. I was assured autopayments would be automatic and updated my mailing address to ensure I would receive any applicable communication/statements. I did not receive any email or mail confirmation, delinquency notice, or warning of any failed payments as the initial payment did go through for the amount I was told I needed to pay to be in good standing. I relied on this confirmation that my account was in good standing and on autopay as I was once again unable to log into the account online with several website errors occurring. In XX/XX/XXXX, the loan was reported in default and negatively reported to credit bureaus.…

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My credit card was charged by XXXX XXXX XXXX for {$99.00} on XX/XX/XXXX. I thought it was a fraudulent charge, I've never seen this before and had no idea what it was. There was a phone number to call, so I called it, and the very first thing was a recording saying if you're calling about to credit card charge to call a different number, so I did. Given this was the first thing on the recording, I assume they do this a lot, and get a lot of calls about it. I called the second number, which was only a recording to send them an email. The company is " XXXX XXXX '' and I'm still incredibly unclear what they are or what they do. I sent them on email on XX/XX/XXXX, when I discovered the charge, and requested information and a refund. They asked me for additional information to " find my account '' and I sent that and haven't heard back.…

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TSYS, Direct Payment Consultants, aka XXXX Payments Simplified, aka XXXX, aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX XXXX, XXXX processed credit card payments for our company, they regularly added fees when calls were made regarding fees charged. When called they said there would be a refund but Never refunded any amount. There are XXXX statements showing these fees I could send more. Thanks so much.

I signed up for a race with XXXX XXXX XXXX in XXXX. The race organizers ' page took me to Active Network to register for the race. My registration process included a deceptive and misleading box to check that appeared I was registering for the race. Information was not provided to me to be able to consent for a recurring {$99.00} subscription charge. The company acknowledges their fraudulent and deceptive practices including in a XXXX complaint by the CFPB. I asked for my money back from XXXX and XXXX and the company declined to refund the full amount. There have been numerous complaints against this company and they should not be permitted to collect funds without active consent through deceptive business practices. I have received zero goods or services rendered through them and did not sign up for their subscription service knowingly or with the chance to realize this would occur due to the way they phrase their check box with a completely separate race service.

XXXX never notified me that they were the servicer of my account. They never sent me a bill until after I was sent to collections, which violates the following laws : 34 CFR 674.43 Due Diligence Requirements This is the core federal regulation governing borrower notifications for XXXX XXXX. Key points : Servicers and schools must make reasonable efforts to contact borrowers about : Repayment obligations Loan status ( delinquency, default ) Amount owed and payment schedules Specific requirements include : First billing notice : The school or servicer must notify borrowers of their first payment due date, amount, and how to pay. Follow-up notices : For missed payments, the servicer must send additional notices. Final demand letter : Before sending the loan to collections, the borrower must receive a final written notice. Skip-tracing : If mail is returned or the borrower can not be reached, servicers must make additional efforts to locate the borrower.…

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I am a federal government employee who experienced verified hardship due to the federal shutdown, furlough-related loss of income, and mandatory delays in government pay. This caused financial instability outside of my control, including difficulty maintaining scheduled payments with University XXXX XXXX XXXX XXXX Heartland ECSI, later associated with XXXX. I have an account with University XXXX XXXX XXXX serviced by Heartland ECSI under Account XXXX. XXXX, and I have already sent written hardship and goodwill requests directly to the school and XXXX. I am requesting CFPB assistance to ensure a fair resolution and accurate credit reporting. I am requesting a fair resolution that includes : 1. Removal or suppression of negative credit reporting tied to shutdown-related hardship 2. Application of any available hardship, disaster-relief, deferment, or forbearance programs to help bring the account current 3. Supervisor-level review of my account, reporting, and hardship request 4.…

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I am the owner of XXXX XXXX XXXX XXXX, and I have been utilizing TsysXX/XX/XXXXXXXX as my Merchant Services provider. According to our contract, the monthly fee was stipulated at {$39.00}. However, I have recently discovered that additional fees have been incurred without my knowledge. I reached out to them via email to request clarification on these extra charges, but they failed to provide a satisfactory explanation. Subsequently, I was charged {$1900.00}, and upon inquiring about the reason for this charge, they refused to provide a response. I am experiencing significant distress due to these unauthorized charges and feel vulnerable as they possess my sensitive information. Therefore, I am seeking the attention of the appropriate authorities to ensure my financial security.

Good afternoon, my name is XXXX. I work at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. This complaint is in regards to TSYS, a credit processing company. Our business was charged an " infrastructure fee '' on XXXX fee has increased to {$450.00}, for a small business, that really hurts. The owner of XXXX XXXX XXXX XXXX and I decided it would be best to close our account with TSYS, due to the increasing rates and ridiculous fees. I was able to talk to a representative from TSYS. We negotiated a refund of {$350.00}, only for him to go back on his word and not issue us the refund because we wanted to close our account. The big credit card companies are crooks, frauds and small business are very negatively impacted when being charged their bogus fees. Thank you for your time and consideration.