Ecsi’s earns a 2.1-star rating from 0 reviews and 11 complaints, showing that the majority of clients are somewhat dissatisfied with loan servicing experience.
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NFLP student loan
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 nursing faculty at CON. 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
Desired outcome: I would like NFLP forms submitted processed for loan forgiveness since I am a teaching faculty at CON
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I have a NFLP loan that is being serviced by ECSI and every year you have to submit forms certifying that you are a nurse faculty for a percentage of loan forgiveness. This is my 3rd year doing this and every year its a nuisance with their absurd rejections. This year they rejected my forms saying I am not a nursing faculty! Even though my employment form is signed by the Dean of the College of Nursing stating I am employed! I teach theory and clinical, I precept nursing students I teach skills intensives and yet they reject my forms. This is ludicrous and punitive practices from ECSI in trying to avoid loan forgiveness for borrowers who qualify and have submitted the necessary documentation. I have had to resubmit forms for nonsense that they do not tell you ahead of time.
Student loan
On 2/8/2024, the day my refund was to be disbursed into my account, via the companies website, my banking information was changed at 12:35 am while I was sound asleep. When I woke up,Id received an email informing me of the changes. I immediately called ECSI and was accused of changing my own information. That makes zero sense. I am in need of these fund...
Excelsior college
I'm trying to resolve my Nursing Faculty Loan through Excelsior college and their "counsel" is finally sending me out a letter - which they refuse to email to me. I am so sorry that I ever took out a Nursing Faculty Loan - I declared Bankruptcy in 2017 and the Nursing Faculty Loan was part of the bankruptcy proceedings, but Excelsior still refuses to see this. I have to hire an attorney to try and deal with all of this - I am more then willing to pay the loan off, but they won't accept my one year of teaching to take off 20% and I would like the $6,000 dollars in interest, that I have accrued, wiped out.
Thank you
Janet Farrelly, RN, MSN, FNP-BC
Desired outcome: I would like all of the interest, that I accrued, wiped out and I would like them to accept my one year of teaching to take 20% off of the loan. Thank you
"Lost" my consolidation payment and refuse to help
Stay away from ECSI!
I consolidated my student loans, including one serviced by ECSI, in December. I received my Welcome Letter from my new servicer, Fedloans, on January 6th.
Almost immediately, all of my other former servicers send a paid in full letter. EXCEPT ECSI. It's now been over 2 months. ECSI claims they never received the consolidation payment, so I've now made 2 monthly payments to ECSI (about to make a third) for a loan that has already been consolidated. So I'm effectively paying for the same loan TWICE.
I think it's absolute BS that the DEPARTMENT OF TREASURY wouldn't pay ECSI but would pay all of my other former servicers? That's a lie. ECSI is completely unmotivated to help me because they are now getting payments on the same loan twice (once from the consolidation, and once from my monthly payments). I even provided a manifest ID for them to look up and they refuse to.
Desired outcome: I want my Paid in Full Letter from ECSI and a refund on all payments made since the consolidation. And then I want ECSI to burn to the ground. I am ready to join a class action law suit.
Loan
I received a pay stub from Heartland ECSI in the mail that states that I took out a $3,000 loan through them and they want the payment back. I have never taken out a student loan through anyone. I have never even received any money from a loan. My schooling was 100% paid for by the company that I work for. The company and I have a contract of this. I have never taken out a student loan, let alone, through Heartland ECSI. Also, I have been out of college for 4 years now. I am not sure what this is. I think it is a scam. I have tried contacting them but I have been waiting on the phone for over a hour trying to speak with a representative.
Desired outcome: I want to know why there is a loan taken out through Heartland ECSI in my name. I do not want to pay this.
Customer service
My 1098T form was made available to me on 1/28/2017. That would be fine, but I wasn't able to access my account at all. No one from the company sent me any login information and I customer service said I had to submit proper documents, which I already sent weeks prior. After hours of talking to customer service, they gave a temporary login. When I logged in, the form was completely blank. I made a dispute and faxed and mailed all my documents. The same dispute got rejected twice because they "did not get my documents" even though the fax machine confirmed the correct number and that the documents went through. I tried contacting their customer service but could not for the life of me get a hold of a real person to help me. It's been three weeks now and I still cannot get someone from the company to tell me why my they tell me they don't have any of my documents even though they do have it.
Terrible communication and customer service
For a couple years I paid off my Perkins loan completely on time. I had a second Perkins loan for graduate school and expected that the two loans would be accessible from one account - the same as SallieMae, WellsFargo, Fedloan and every other servicer I know of.
I continued receiving monthly notices from ECSI letting me know what was currently due and continued to pay on time. Then I was surprised by a threatening letter claiming I was 60 days past due, on a second account that I had never received any information about - no notices, no login information, nothing. I immediately called and offered to pay.
All the associates were rude. One claimed they had sent me mail that was returned to sender (despite reaching me just fine with other notices). A second claimed they had only emailed me, and it must be my junk settings. The third decided to immediately accuse me of lying and insist I didn't receive two different stories about attempts to contact me. I finally called in, upset, and a fourth woman was much nicer, but said nothing could be done except a rehabilitation plan. I finished the plan, made sure they reported it on my credit (which has gone down 50 points), and paid off the rest of the loan.
Terrible treatment and iffy practices - if you can, avoid any borrowing from this company. I have one more loan to pay off with them, and cannot wait to be done.
Nonexistent customer service
I have tried numerous times to contact ECSI electronically to ask about my account. The website sucks, so I can't answer my own questions through research since there is no useful information on the website. That's how dumb questions get asked. It'd be in their best interest to improve the information available on the site so people don't have to use their customer service. The live chat customer service function is laughable. I waited at least two hours on multiple occasions and no one ever connected. I emailed the contact address they included in my payment confirmation for questions about payments. Three months, no reply. I emailed the webmaster address for general questions. One month, no reply. I'm afraid to call them with my most likely stupid simple question as their call center is probably off in a third world country where I won't understand the operators and they won't understand me! Way to screw over the next generation, ECSI! Get your company together or get out of the business! My other two student loan servicers are sooooooooooooooo much better!
The complaint has been investigated and resolved to the customer’s satisfaction.
This company is such a piece of ####! They're late sending me my tax documents again this year. Their website looks like it was built in 1985 and the service is ####ing dog ####. I am so tired of dealing with these ####.
Payment Transaction not Processed
I've submitted electronic payments for 3/15, 3/20, and two payments for 4/1/13. The first two payments were never processed, may loan is in repayment and interest is accruing. Automated phone service does not recognize my account number and pin, no such account exists. My school says they are a legitimate load service provider, but frustration as set in a...
Read full review of EcsiNo one ever answers
My university is using ECSI to collect their student loans, and I have been trying to call them on many many occasions, and no one has ever answered the phone. I have only spoke to live person once after serveral days of attempt. Also, on the ECSI website, it offers the live chat option, but everytime I click on it, it is always closed, and tell me to try again during normal business hours. I have always tried to contact them during normal business hours from 8 am to 5pm. Unless their normal business hours are different, there is no reason why I can't get a hold of anyone to resolve my student loan issues, because this can affect my life. They need to have a better organization.
The complaint has been investigated and resolved to the customer’s satisfaction.
This is the worst baking company in THE WORLD, i have over $300K in loans and only $5000 with this terrible company and they have given me hell to keep my loans in deferment. I would rather have doubled my interest and pay fees than to EVER deal with this company again. I hope they go to hell.
Gouging charges to pay student loan
I've set up my payments every month for the last year with them to go through as a direct pay, since it seems to be the only free way to make payments.
And they have lost my payment four times. Four out of twelve? Seriously?
I only set up my direct pay to be done one payment at a time because i never know if i'm going to have that payment on the 5th or the 10th, depending on when my bills and checks go through, and i go through the verification process, double check everything since it is tied to my bank account and scan the confirmation email when i get it.
I check my payment every few days until the date it should be processed. Everything seems to be fine, until the date scheduled for transaction. Then my payment goes from "ready to process" to nothing. It's gone.
I'm now being charged late fees for this mishap even though i've been trying to make this month's payment for the last two months through this system. Their customer service took off my late fees and did my payment one time over the phone, waiving the phone pay fee for me today, but i have no doubt the system itself will once again kick my payments out.
The complaint has been investigated and resolved to the customer’s satisfaction.
This is the email I sent to ECSI, just for the record.
There is a huge mistake on my student loan balance. This week, the outstanding amount to be paid for my account was $2411.81.
I paid off the ENTIRE balance, and now I see that my zero balance, has overnight become $289.50.
I am tired of you [censored] (not the people that work there, but the [censored] that run your system) and I WILL fight and participate in any class action suite or anything that will take you down.
I would like my account to be returned to the ZERO Balance because I PAID MY WHOLE BILL IN FULL.
I read on the news that you mistakenly assigned someone a $4 million loan balance, so I know that your balance number is not trustworthy and your system has major glitches.
I will not be conned by your systematic and unprofessional errors.
Best Regards,
I have experienced almost all of the hardships described here with Hearland ECSI. I was on the phone for 1 hr 30 minutes waiting to speak to a customer service representative. Once I finally got through to someone, I was given conflicting excuses as to why their system didn't match up with my billing statements. According to their system I was "current" on my bills, but my last two bills state that I am past due and being charged late fees. When I told them that was fraud they suddenly came back with a story that their system shows I didn't pay two months from 2016. I have proof from my bank statements that shows I have made all payments for the past year. Does anyone know if anything can be done about this? They are clearly committing fraud in my mind and taking advantage of current and past students trying to navigate through the difficult process of paying off student loans. This can't continue!
THE WORST! Some how they had an automatic withdrawal on my account that said that I wanted the payment to get taken out 996 times! When I went online to check it out, somehow I didn't see anything and customer service told me that they had removed it after I complained. My bank then blocked the payment and sent it back and they continued to charge me $25 for it being returned when it was their fault anyway! After talking to customer service again, they said that it was just policy and they couldn't help me any further. SUCH HORRIBLE CUSTOMER SERVICE AND LOAN COMPANY ALL TOGEHER!
Truth, ECSI is the worst student loan company ever (other than Sally Mae, of course). I have the displeasure of having had my loan sold to them by my ex-servicer. Every month I have to pay my bill it is a headache. Is your bill due on the 15th, like mine is? Okay, I must log in, agree to their "electronic invoicing" AGAIN (Literally, I say I consent every month yet whenever I log in it's the same thing), then I must navigate their million payment options to "Schedule a payment"- yes, you must schedule at least ONE DAY in advance to pay your loan. Otherwise, you have to do an "instant echeck" which charges you 1.00 the day of so you don't get at late fee. Clearly it takes them so much work for their automated system to process your payment the day of. In fact, I tried to pay my loan today, yet "their system is currently processing other payments". This is NOT my highest interest loan, but I am ready to pay off the whole thing just so I can save my health from the stress of dealing with this bleeping horrid company.
PLEASE, LAW FIRM SOMEWHERE, THIS IS CLASS-ACTION LAWSUIT MATERIAL. I AM READY TO JUMP ON BOARD. LOL
ECSI is indeed the worst, pray your loan doesn't get into their incompetent hands. I've got time to Google them since they've got me on hold with an estimated FORTY-SIX minute hold time. The 'jokes' about their ridiculous website are sincere, it's no joke. The site was constructed and copyrighted in 1997 and has had no significant update since. I suspect Y2k and the 64-bit age have really taken their toll on ECSI's IT department. To log in, you need to provide THREE fields of info. Got loans from different schools? Haha, separate logins, double the fun. A special notes section on the account page lets you know who you're dealing with. "As a result of American Express regulations, ECSI will no longer be accepting American Express credit card payments. But ECSI is pleased to announce that VISA has changed their stance on fixed fees and will soon be an option in the winter of 2013." Apparently they don't get along with financial service companies either.
Everything said in these comments has happened to us. My favorite is signing up for their auto payment system, having it run okay for 10 months, but then it decides to take a break for 3 months. So their system malfunctions, but YOU pay the fees and take the hits on your credit score. The fine print says so. We put it on autopay precisely so that we wouldn't have to babysit the thing.
Submitting your annual Perkins loan Cancellation/Deferment application(s) is such a chore with these guys, they only accept US Mail or FAX. I did get to show my 12-year-old what a fax machine was and how they were used in the business world before scan mail came along. Another fun feature of their antique accounting system is that if one of your loans that's supposed to be in cancellation/deferment comes out of deferment status, they start randomly applying part of payments to other loans to the Perkins loan, so you get BOTH loans past due. It's just too much fun with these guys.
ECSI has now been taken over by Hearland, and is called Heartland ECSI. I read the comments above and all of these things have happened to me. I am actually going to try to pay off my loan to the university, directly. If they won't allow this, I will put the money in an escrow account. I don't even care if my credit gets messed up. I JUST SIMPLY WILL NOT DEAL WITH HEARTLAND ECSI AGAIN! THEY WILL PRETEND TO LOSE MY PAYMENT AGAIN!
My student loan hadn't gone into repayment. You would think that it would be easy to pay off a student loan completely before it comes due. NOPE! First off, the website looks like something that would have been cutting edge in 1996. The information on it is not clearly laid out, it's confusing, and it's totally not clear what you should do. The first time, I didn't check the box saying that I wanted to make a payment in deferrment. Now mind you, I'm trying to GIVE THEM MONEY. Even though I checked "pay off balance, " they declined my payment because I didn't check that one box! Of course, because I'm paying it off before my deferrment is up, they probably want to gouge me for interest. If my payment is not accepted this second time, I am absolutely going to write to our state, and probably the University it was given at, not that they care, because they've long since gotten their money. Seriously, sell plasma before you deal with this company for a student loan.
ECSI recently took over as lender for an old Perkins of mine and I agree...THEY ARE THE WORST! I feel fortunate that I have not gone through the payment hassles I've read about...I signed up for monthly direct debit and all was smooth. However, now that it is tax time no one can tell me how much interest I paid this past year in order to deduct it from my income taxes, I can't access a 1098-E, and the amount is not available on any of my past statements as it is on bills from my other lenders. COMPLETELY INCOMPETENT!
This company is terrible. I cannot believe they are able to get away with what they have been for as long as they have. Not only have i been unfortunate enough to get conned into using them - in 3 years my principle balance has gone down a whopping $58. They also increased my payments by over $100/month without notifying me. Something is not right here. Not at all.
I am so glad I found this website. ECSI is downright horrible. I filed a complaint with the Ombudsman Group, which did nothing but waste my time. ECSI gives you wrong information when you call them and you end up paying for their mistakes. My story is too long to post so I will just copy and paste my complaint that I sent to the Ombudsman Group.
"On Tuesday, September 9, 2014, at 6:42 PM EST I Contacted ECSI re: a forbearance/ deferment on my Perkins. I spoke with a gentleman who confirmed my mailing address and advised that the forms will be mailed to me due to not being able to email them per US Department of Education policy. The notice I received stated that if they do not receive a request for deferment or forbearance within 30 days action will be taken. Well my other accounts are in forbearance so I knew this one should qualify as well. On Friday, September 26, 2014 at 10:45 AM EST I contacted ECSI again due to not receiving the requested form. I initially spoke with a female customer service representative who basically told me I didn’t qualify for a forbearance/deferment. I spoke with a Supervisor and explained to him the conversation I had with the male customer service representative on 09/09/2014. The Supervisor stated that he would have the call pulled and follow up with me on Tuesday, September 30, 2014, due to not being at work on Monday, September 29, 2014, to attend a funeral. During this call I was also advised that there were no notes on my account stating that I called in 09/09/2014. I gave the Supervisor my cell phone number due to it not being on my account. I never received that call. On December 2, 2014 at 1:32 PM EST I called and spoke with a female customer service representative who stated that there was not a Supervisor available to speak with me and that she did not see where there was ever a ticket created on my account for a Supervisor to call me back. I disconnected the call and contacted the US Department of Education Ombudsman Group. I spoke with a lady who gave me a case number (1-[protected]) and advised me to log onto consumerfinance.gov and file a complaint. Well that wasn’t helpful, it directed me back to the US Department of Education. ECSI emailed me (I gave my email address to the gentleman on 09/09/2014) on 12/08/2014 re: my past due payment, I replied with a request for a Supervisor call. I never received a call. "
Once again, the Ombudsman Group did nothing on my behalf. They just took ECSI's word for it and never had the calls pulled or anything. Jada Morrow was the Ombudsman person I dealt with regarding this matter.
Overview of Ecsi complaint handling
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Ecsi Contacts
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Ecsi phone numbers888.549.3274888.549.3274Click up if you have successfully reached Ecsi by calling 888.549.3274 phone number 0 0 users reported that they have successfully reached Ecsi by calling 888.549.3274 phone number Click down if you have unsuccessfully reached Ecsi by calling 888.549.3274 phone number 0 0 users reported that they have UNsuccessfully reached Ecsi by calling 888.549.3274 phone number
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Ecsi emailsprivacypolicy@e-hps.com100%Confidence score: 100%Supportwebcservice@ecsi.net90%Confidence score: 90%support
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Ecsi address181, Montour Run Road Coraopolis, PA 15108 Monday – Friday, 7:30am – 8:00pm EST, United States
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Ecsi social media
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Checked and verified by Jenny This contact information is personally checked and verified by the ComplaintsBoard representative. Learn moreJun 30, 2025 - View all Ecsi contacts
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