Business Profile

Student Loan Services

ECSI Federal Perkins Loan Servicer

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Complaints

This profile includes complaints for ECSI Federal Perkins Loan Servicer's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

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

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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:02/07/2024
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 recently saw this company on my credit report. However I do not have any business with this company. I am not liable for this debt with the US Department of Education which is trying to collect. They are unable to provide an account or any information about the debt.
Business Response
Date: 02/23/2024
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.
Based on the information you have provided, we believe you may have a loan that was assigned from your school to the Department of Education and therefore serviced by EFPLS.
We have reviewed your complaint and determined that it lacks
sufficient information to allow us to locate an account for you in our system
and conduct any investigation.

To allow us to investigate your dispute, please
provide the following: (1) the name of the school and or/creditor, account
number and the name, address, telephone number, and relationship of the
disputing party to the account, as applicable; (2) identification of the
specific information disputed and the reason(s) for the dispute; and (3) any
other documentation which substantiates the dispute. Supporting documentation
may include a copy of the relevant portion of the consumer report that contains
the allegedly inaccurate information, a police report, a fraud or identity
theft affidavit, a court order, or account statements.
Customer Answer
Date: 02/27/2024
the name of the school (College Of Saint Elizabeth) and creditor (ACS) account number (********************) and the name (***** ********), address (*** **** ** ****** ******** ** *****, email (********************), and relationship of the disputing party to the account (self). (2) identification of the specific information disputed (see attachment)and the reason(s) for the dispute( this account was paid in full will ACS. I do not have an account with ECSI); and (3) any other documentation which substantiates the dispute (See attachment)
Business Response
Date: 03/08/2024

To Whom This May Concern:

ECSI Federal Perkins Loan Servicer
(EFPLS) has reviewed this complaint and identified that the loan in question is
a Federal Perkins Loan that has been assigned by the originating school to the
Department of Education. EFPLS is the Department of Education’s student loan
servicer for Federal Perkins loans. Ms. *****’s loan is serviced by EFPLS on
behalf of the Department of Education. The Department of Education and EFPLS
are acting upon the information provided by the originating school, Saint
Elizabeth University.

EFPLS requests that Ms. *****
provide the letter from the school dated September 7, 2010 along with a copy of
the Promissory Note marked as paid that the letter references. EFPLS will
review these documents with the Department of Education to attempt to resolve
this matter on Ms. *****’s behalf.

If Ms. ***** would like to reach
out to EFPLS, the Department of Education’s student loan servicer for Federal
Perkins loans, we ask that they please call us toll-free at ###-###-####.

Sincerely,

ECSI Federal
Perkins Loan Servicer
Customer Answer
Date: 03/15/2024
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.

To assist us in bringing this matter to a close, we would like to know your view on the matter. This company has a different social security number other than my social security number attached to this account, and they do have note for this account; therefore I disagree with the debt and under the Fair Debt Collection Practice Act, I have the legal right to request a validation of any debt that is being collected from me; I am requesting that they provide validation of this debt in pursuant to the fair debt collection Practices Act, 15 USC 1692g section 809 (8) (FDCPA).
Please provide the following information:
The name and address of the original creditor, the account number, the amount owed and a copy of my payment history per U.S. code, 15 U.S. C. 1681g Section 1-3.
Also include verification that there is a valid basis for claiming I am required to pay the current amount owed. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor.
Details about the age and amount of the debt including a copy of the last billing statement.
A detail explains interest added, or payments made since the last billing statement.
The legal authorization for your interest.
The legal date of the original creditor claim the account became delinquent.
The amount owed to the creditor at the time It was transferred as well as the date in which the debt was transferred or sold to your company.
Please also note whether this debt is within the New Jersey Statute of Limitation and how that was determined.
Provide details about your ability to collect this debt in the state of New Jersey. If you are, provide the date of the license, the name on the license number, the license number address,and telephone number of the state agency using the license. If you are from outside of state, provide the licensing information from your state as well.
Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth $600 or more. Forms must be sent to taxpayers by Jan. 31. Can you please provide proof that the original lender did not file a cancellation of the debt with the IRS, or that the debt was paid by the mortgage insurance company. I need complete transparency of the debt.

Enclosed with your response to the above questions, I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. The information should not come as a form of letter response. Again, please be advised that all paperwork needs to be dated before your original communication notifying me of your complete verification.

Regards,

***** *****
Business Response
Date: 03/27/2024
The originating school of the debt as Saint Elizabeth University. In their assignment to the Department of Education, the school indicated by a sworn affidavit that the original Promissory Note for the loan was lost in a fire/flood.

EFPLS and the Department of Education are working based on the information provided to us at the time of the the assignment by Saint Elizabeth University. In EFPLS' original response we requested a copy of the Promissory Note to send along with the Paid in Full letter for review by the Department of Education for potential dispute of the assignment and/or balance by/with Saint Elizabeth University.
EFPLS, on Ms. *****'s behalf, sent the Paid in Full letter for review absent a copy of the original Promissory Note marked as paid in full for review. The result of the review is that Ms. *****'s loan has been marked with a zero balance.
Customer Answer
Date: 03/29/2024
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.

I would like documentation from EFPLS reflecting zero balance for my account or a letter stating that the account was paid in full. I am requesting that they immediately delete the inaccurate information from my consumer report.

Regards,

***** *****
Business Response
Date: 04/17/2024
Please see the attached paid in full letter. Thank you.
Initial Complaint
Date:01/30/2024
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 took control of my federal Perkins loans from my prior provider and to say it has been anything less than a nightmare would be untrue. I have had to call multiple times about my account. Well, accounts, to be correct. When my perkins loans were transferred over to ECSI, they somehow messed up with one of my loans out of four. Three of my loans were put on an account and the fourth was put on it's OWN. SEPERATE. ACCOUNT. and a completely different SSN. I did not know they were separate accounts for FOUR MONTHS. Since then I've been dealing with having to pay them double the amount than I should monthly because they "couldn't do anything about it." I've had to call back recently because they STILL haven't merged the fourth account into one consolidated payment. I'm very frustrated because I have been put in a rough spot financially because of this business and through the fault of its own employees on the backend to properly integrate my account into their system. I feel like no accountability is being taken and it all falls back on me because there's "nothing they can do" but there's nothing that's been my fault. I had no part in this entire thing, I want this to be resolved so no one else has another experience like this.
Business Response
Date: 02/20/2024
The issue has been resolved with the student directly
Customer Answer
Date: 02/20/2024
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.

Business did not acknowledge nor has in anyway made reparations for their part in making me pay double for 4 months. The only thing they have done and should have done 6 months ago is finally combine my 4th loan with the rest. That's the bare minimum and shouldn't have been an issue to begin with. My grief with the company is still in order l, so no, my issue is not resolved. Take ownership in the fact you put me in a bad stop financially and actually take action.

Regards,

****** ******
Business Response
Date: 03/04/2024
We regret that the account was sent to the Department of Education (therefore EFPLS) in multiple parts by the assigning school. The Department of Education and EFPLS have worked to remediate the problem for Ms. Curtis. If she would like her payments applied in a different manner than they have to lower her balance, she is welcome to call our office toll-free at ###-###-####.
Initial Complaint
Date:01/30/2024
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.
You every try to get customer service from the Perkins Loan servicer, ECSI (https://*********************)? Their website is less than robust, logging one out for normal navigation. There is no chat or email option, and getting to a phone agent is iffy at best. My regular loans are managed by **********, A+ professionals. ECSI mailed my repayment notice to some unknown post box they claim I used some 6 years ago. Never had a post box, but no matter. When I left school and every time I moved, I updated my address with https://**************/. It’s not hard to find. I eventually received a notice in the mail, threatening to send me to collections. I’ve reviewed ECSI’s BBB complaints, generally relating to communication and misaddressed mail. I’ve also filed a complaint with the DOE.
Business Response
Date: 02/08/2024

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. Mr. ************* loan
is serviced by EFPLS.

In the CHANGE OF STATUS section of the
Federal Perkins Loan Master Promissory Note, it states that it is the
borrower’s responsibility to inform the school of any changes in their address.
The account came from the school to the Department of Education with the
address EFPLS used on the statement in question. The Department of Education
and EFPLS are acting upon the information provided by the school. If a bad
address is documented, EFPLS uses the methods approved by the Department of
Education to obtain updated information.

If Mr. ************* would like to
reach out to EFPLS, the Department of Education’s student loan servicer for
Federal Perkins loans, we ask that he please call us toll-free at ###-###-####.

Sincerely,

ECSI Federal
Perkins Loan Servicer
Initial Complaint
Date:01/26/2024
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.
I submitted an application for a Perkins Loan Cancellation and I got the following response in a email:

"Hi ********,

My name is Erin and I’m a representative with ECSI. I’ve received your request and additional information is needed. Please contact our office directly at ###-###-#### for details on what is required.

Thank you,

Erin"

After calling the office number above, the lady was contracting the instructions I got over the phone prior to submitting the whole package. I asked her to send me specific instructions on what information was required to process my request. I never received another call, or email, or official letter acknowledging my application status and further instructions to complete my Student Loan Cancellation as a Registered Nurse.

This is a very unacceptable response from a company that is getting PAID by the federal government to process such request on behalf of first responders.

Sincerely,

******** *******
Business Response
Date: 02/15/2024

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
Cancellation request was returned for correction and she was not clear on the
resolution when she reached out to our office. There are several corrections
needed that are covered in the list below:
Signatures on one or more of the documents provided appear to be a digital signature. All signatures need to be a "wet" signature (not digitally affixed).
The dates on the form are incorrect/incomplete. The dates need to be in the mm/dd/yy format and include month, day, and year or additional corrections will be required.
Any gap in employment cannot exceed 3 calendar days. Any gap in dates that exceeds 3 days cannot be accepted as continuous employment during the period.
Ms. ******* provided employment documentation from 3 separate employers and appears to be seeking multiple years of cancellation. Ms. ******* will need a separate form for each employer (and year) of cancellation.
Each of the letters of employment Ms. ******* provides should be dated, signed letterhead with a complete (mm/dd/yy) official hire date and termination date, should state that the position was full-time status, and should include a job description and job title.
EFPLS recommends that Ms. *******
work to cancel one (1) year at a time. This way if corrections are needed, it
will be clear as to which year, employer, and/or document is in need of
correction.

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 ###-###-####. We are here to help, and would be
happy to assist in getting your cancellation paperwork ready.

Sincerely,

ECSI Federal
Perkins Loan Servicer
Customer Answer
Date: 02/20/2024
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.

I would like to ask EFPLS the following:
- On this request, if I need further clarification IN WRITING do I need to submit a complaint through BBB in order to get answers or are you going to send an official letter/email with clear instructions/updates.
-Why did you NOT responded to my email reply from 10/16/2023 to ********************@************

Regards,

******** *******
Business Response
Date: 03/04/2024
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 ###-###-####. We are here to help, and would be happy to assist in getting cancellation paperwork ready should there be any additional questions.
EFPLS does not conduct business through email. Ms. ******* would should have received an email that we can not accept documents or discuss accounts through email and recommended her to call our office.
Initial Complaint
Date:01/24/2024
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.
Dear Ma'am and Sir,
I just want to file a complaint against this company regarding a student loan, this is not mine and I called them already that the loan was not mine but they keep sending me a letter many times. I paid off my federal student loan already through mohela. Please dispute this loan because is not mine.
Please call me or email me if you need more questions about it.

Thanks a lot and respectfully
Yours,
**** *********
Business Response
Date: 02/14/2024

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. Mr. *********’s loan is
serviced by EFPLS.

Mr. *********’s complaint is that his
accounts were paid off with MOHELA. A copy of
Mr. *********’s Federal Perkins Loan Master Promissory Note that was advanced
when he attended Intellitec College has been attached for his records. The
school assigned Mr. *********’s Perkins Loan as unpaid. The Department of Education and EFPLS are acting upon
the information provided by the school.

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 Mr. ********* would like to
reach out to EFPLS, the Department of Education’s student loan servicer for
Federal Perkins loans, we ask that he please call us toll-free at 866-313-3797.

Sincerely,

ECSI Federal
Perkins Loan Servicer

Attachment: *********Note.pdf
Initial Complaint
Date:01/03/2024
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.
Suddenly received a bill from.ECSI Perkins Loans Servicer. Called them about it and asked for a.copy of promisarh note. Also later asked for proof of dispursement and payments allegedly made. I have never had 6000 perkins loan. Received a bunch of run around trying to get anything sent to me. I heard they just bought the loan, that UDM owns it and even rhat Dept of Education owns it. Eventually I got sent some documents of papers that aren't a complere.promisary note though they claim they are 4 different ones totaling 6000 (yet they say the loan has never been consolidated and is 1 loan. Not soon after for the first time ever a perkens loan appears on my credit report. Trying to get it removed and dismissed as I never took our a 6k perkins loan. After a conversation with udm I learned they sent the original copy ro the depth of education. But a call.made to them resulted in.my being told they don't have a promiaary note. Ecsi told me at one point if I pay on it then it's my loan. They also keep claiming what they have sent me is what they have and are collecting on and they just collect rhe loan ( I'm told when I question the documents( I've even been told at one point they have no legal department. UDM has a legal responsibility to provide the documents I'm requesting as does ECSI. How are rhey able to put on Mt credit report and bill me without looking into the legality. They also didn't seem to care that I told rhem rhe depth of education doesn't show a.promisry note for the loan in question despite they are their servicer. I need this looked into and resolved ASAP. This has been going on for about 3 months already. They don't care if it's a real loan agreement or not they see it as collecting for someone else and not being responsible under the law. A loan supposedly 28 years old with payment made in 2002 from a check #2 to UAS collection agency. But not on my credit report till 22 years later?
Business Response
Date: 02/08/2024

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 she
has requested and does not feel that she was provided the complete promissory
note for the Federal Perkins Loans she took while attending the University of
Detroit Mercy. The Department of Education and
EFPLS are acting upon the information provided by the school.
EFPLS has attached the promissory
notes from 1994, 1995, 1996 and 1997 which were recently assigned by the
university to the Department of Education.

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

Attachment: Prom_Notes_*****.pdf

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ECSI Federal Perkins Loan Servicer is NOT a BBB Accredited Business.