Complaints

This profile includes complaints for Heartland Payment Systems, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Heartland Payment Systems, LLC

  616 N Broadway Ave Oklahoma City, OK 73102

• 

  Heartland Payment Systems, LLC

  300 Carnegie Ctr Princeton, NJ 08540-6249

• 

  Heartland Payment Systems, Inc.

  One Heartland Way Jeffersonville, IN 47130

• 

  Heartland Payment Systems

  8422 Ramshire Ln Fort Wayne, IN 46835-4472

• 

  Heartland Payment Systems

  16800 W Greenfield Ave #119 Brookfield, WI 53005

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:09/14/2023

  Type:Service or Repair Issues
  Status:

  UnpursuableMore 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 **** loan from *********************************** which is being serviced through ****. I received a letter in the mail on September 13, 2023 notifying me of a late payment along with late fees. However I have an Email from **** that states my first payment would be due OCTOBER 10,2023. I also have a screenshot of the home login page that also confirms my first due date isnt until October 10, 2023. This loan company is charging me fees on a payment that wont even be due until October. I tried to call to resolve this issue but was not helped at all.

• Initial Complaint

  Date:09/05/2023

  Type:Service or Repair Issues
  Status:

  UnpursuableMore 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 NFLP loan. I am in my 2nd round of appeals from ****. They inappropriately denied year 3 of loan forgiveness (every year they deny for whatever reason and I have to appeal which then gets approved). The escalation team member agreed it should have been approved but upper management disagreed. Full time ************* job Started February 2020. Graduation date MSN May 2020. Year 1 forgiveness June 1st 2020-June 1st 2021 approved Year 2 forgiveness June 1st 2021- June 1st 2022 approved Year 3 forgiveness June 1st 2022-June 1st 2023 inappropriately denied. Reason: my employment ended June 20th 2023 but that is after the year of service that was completed June 1st 2023. My changing of employment should only effect year 4 forgiveness. New full time Faculty job begin 6/26/2023.

• Initial Complaint

  Date:09/01/2023

  Type:Billing Issues
  Status:

  UnpursuableMore 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 writing to formally file a complaint against Heartland **** (hereinafter referred to as "Heartland ****") regarding their inaccurate reporting of late payments and unjust fees associated with their online payment system. My experience with Heartland **** has been marred by a series of unfortunate incidents that have had a detrimental impact on my financial standing and creditworthiness.False Late Payment Reporting:Heartland **** has consistently reported false late payments on my credit reports, despite my diligent efforts to ensure timely payments for my student loans. These late payments have significantly affected my credit score and financial well-being. The primary issue stems from Heartland ****'s online payment system, which repeatedly failed to process payments as intended.Automatic Payment Failures:I had set up automatic payments through Heartland ****'s online platform, believing it to be a reliable and convenient method for managing my student loan payments. However, this system failed on multiple occasions to pull the scheduled payments from my account and apply them to my student loan accounts promptly. This has resulted in Heartland **** incorrectly marking my account as delinquent, despite my timely and documented efforts to fulfill my payment obligations.Unjust Fees for Non-Automatic Payments:Heartland **** imposes punitive fees for making manual online payments, which further disincentivizes borrowers from using their online system. This fee structure is inherently unfair, especially when the automatic payment system they promote as a solution is unreliable and prone to errors.Lack of Accountability and Resolution:I have reached out to Heartland **** on multiple occasions to rectify these issues. However, their customer service has been unresponsive and unhelpful in resolving the ongoing problems with their payment system and the resulting damage to my credit. Their lack of accountability is deeply frustrating and unacceptable.

• Initial Complaint

  Date:08/28/2023

  Type:Service or Repair Issues
  Status:

  UnpursuableMore 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.

  We switched over to Heartland about 2 1/2 weeks ago and it has NEVER worked properly. Every single day I have made videos of how the system is completely non-functional. The *** and online systems simply don't work. I have a library of videos every day showing how online when you add items to the cart they don't actually get added to the cart and just disappear into no mans land and it's impossible to order. OR every once in a while when an item does get successfully added to the cart when you go to check out and enter in all your information it errors and says you need to fill out all the information, but all the information is filled out and there is nowhere else to enter in any information. We have had customers call YELLING at us because they are so frustrated and customers who have given up completely after days of trying. SOMETIMES it works, but we have to take around 20 extra phone orders every day because people are unable to order online and the system barely ever works, it functions about 15% of the time. Not only that, the in person system doesn't work either. The payment terminal is supposed to accept chip, tap, apple pay etc, but the only one customers have ever successfully used is the chip reader and even then it errors out half the time and when it actually works it takes FOREVER. Half the times our cashier has to assist the customer and try multiple times before it works. Even after the tech went over things with us and we added the tap here label, no customer has successfully used it and I and the other cashiers have been unable to get it to work either. OH and the system regularly stops taking payments completely and we have to call tech support for thirty minutes to get payments going again which happened twice on Friday and we had to have customers venmo us money to pay us because we had no way to accept payments. I have talked to the heartland guy who set up the back end of our system, talked with the guy who installed it, and PAX customer service and ********************** technical support. I keep getting gaslighted and told that everything is working fine and nothing is wrong, but I have video proof of how nothing works, every day. I've had my employees filming it too, nothing works! On Friday the 2nd time payments went down completely we went and found our square wedge and started taking payments through that. It cost us $5,000 and MONTHS of time, and they want to charge us a cancellation fee for terminating our contract early??? I won't get the $3k we spent on equipment back, but I'm contesting all of the charges we paid for Heartland for the installation etc. with the bank because this was fraud. We were sold a FUNCTIONING pos system and online ordering system and that is not what we received. Heartland has incredible features and an amazing back end. BUT IT DOESN'T WORK. Online orders work 15% of the time and in person payments work 50% of the time. DON'T WASTE YOUR TIME!

• Initial Complaint

  Date:08/09/2023

  Type:Billing Issues
  Status:

  UnpursuableMore 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.

  Hello my loan provided, ****, has without authorization processed a charge of $115.85 from my bank account. On 8/1 I authorized a payment in the amount of $147.12 to go towards my three loans. This was processed with my bank at 3:10AM on 8/2. At that same exact time I was deducted an additional $115.85 from the same merchant, however, now there is no record of where those funds went. I have called and submitted requests to speak with a supervisor three times now and no one has contacted me. I have confirmed with my bank that the funds were withdrawn and from the same merchant as the authorized payment ($147.12); however, the loan provider continues to ignore my notice. Ticket # *****

• Initial Complaint

  Date:08/02/2023

  Type:Billing Issues
  Status:

  UnpursuableMore 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 business Memory **** Antiques LLC in ********** **. I used this credit card service for probably 8 years, but they got way to expensive and I wanted to cancel this because I went to Square. I have tried foe over 6 months to cancel it, I call & call they tell me to write an email, Mail, and or fax to this email address ***************************** I have done that MANY times, I have Faxed I have mailed . They give me a run around, They told me I had the email address wrong, they told me I had to fax, not email, but they never cancel. They say it takes a month, well it's been MORE than 6 months and they still keep taking out ***** a month Amount: negative thirty nine dollars and forty five cents $***** . I honestly do not know what else to do I cannot afford a lawyer. Please help, I have not used this credit card system for over 6 months. They Owe me (it was more when they first started) ******

• Initial Complaint

  Date:08/01/2023

  Type:Billing Issues
  Status:

  UnpursuableMore 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.

  We paid a fee that was promised back and they are ignoring the refund.

• Initial Complaint

  Date:07/31/2023

  Type:Sales and Advertising Issues
  Status:

  UnpursuableMore 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.

  In January of 2022 I called **** and spoke to a agent tnat I had not received my scholarship check for $500. They stated for me to wait a little longer and that the check had been mailed out. I called back at the beginning of February to let **** know I still had not received my check. I spoke with ******* the agent who said she would cancel the check and reissue a new one. I waited for the new check and nothing. I called **** back and they stated the check had been cashed in whick I had spoke to ******* again who stated she was a manager at ****. So she gave me her email and I was sending her emails constantly asking what was the status. She stated the previous check had not been cancelled by her and someone had cashed it. They told me I had to file a police report and get an affidavit then mail all paper work back to them. It has currently been 1 year and 6 months already and every time I call they state the bank is still working on it. I have asked they escalate the case and they state that there is nothing else to do but wait on the bank. When I filed the police report even the officer stated that it was ecsis check and that they should be the ones filing the report. So basically I have been given the run around. No one ever knows anything but that the bank pnc is still working on it. When I called pnc bank they stated that it is **** account and they are unable to provide me with information. This is ridiculous that instead of making this case a priority because it was fraud. They keep giving me excuses. I am tired of it and dont know what to do anymore. Basically this person who cashed the check got away with it.

• Initial Complaint

  Date:07/30/2023

  Type:Service or Repair Issues
  Status:

  UnpursuableMore 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 received a nursing faculty loan while completing my doctoral program at **********************. After graduation, I was looking to consolidate my loans as I am working on completing my public service loan forgiveness and was not able to obtain a full time faculty job as an instructor post-graduation. On 1/12/2023, received a notice that my **** loan had been "paid off". I completed a physical application that I mailed to **** requesting consolidation and per the **** website it stated "paid-direct loans". I waited several months, no responses and no other loan agency informed me of obtaining/consolidating the loan. I receive the PSFL/IBR thru MOHELA and have consolidated those loans in August of 2022. I contacted someone thru **** regarding this matter, they told me my balance is/was zero and if the loans were consolidated that I needed to contact AIDVANTAGE, who likely consolidated the loan. AIDVANTAGE was contacted and the only loans they had on record for me were from the previous consolidation done in August of 2022, nothing pertaining the $56,000 balance that my nurse faculty loan thru **** was at. I contacted ****** as well, no records of this lump sum payment.Unsure where my loan went, I contacted the federal student aid folks to see what my total balance is/was, this also did not show my loan from ****.I attempted to contact **********************, who in turn told me to contact ****. **** continues to tell me there is zero balance and the other potential loan companies do not have any history of this either.I had **** send me a letter stating that my account was paid in full, I received two letters with one stating "******************" and the other "*************************". I never attended ***, i only attended class at ******.My goal is to find out where my loan went, as it was to be added to my loans at MOHELA, however it has never arrived. Ideally, I'd like to to be forgiven considering its caused greater issues. Thank you for your time.

• Initial Complaint

  Date:07/27/2023

  Type:Product Issues
  Status:

  UnpursuableMore 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 holds onto money when it's supposed to be disbursed. They hold it much longer than they should and should be held liable for the issues created by their very slow processing pace.