Customer ReviewsforE.C.S.I.

I was enrolled in automatic payments for years. at the end of May I received my monthly email telling me that my autopay would be taken out on June 1st. On June 11th I received a notice that I had missed my June payment and was charged a late fee. I called and was told by a representative that my loan had been transferred to the Dept. of Education so I had to set up autopay all over again. But the letter said that my loan wasn’t transferred until the 4th of June…so 3 whole days after my payment should’ve gone through. And the Dept. of Education website isn’t working for me to set up autopay all over again.

This is the worst company I have ever had the displeasure of dealing with. I qualified for a percentage of forgiveness yearly as a teacher in a low-income school district. I submitted all my paperwork on time and followed the directions exactly, but was denied every year for some nonsense reason. I would have to go back and forth with them, resubmitting paperwork until they would finally approve me. It was a pain every year and a huge stress, but this year was insane. I was denied this year for my forgiveness and deferment as I had just started at a new school as a preschool teacher. At first, I submitted the paperwork using the preschool form and was denied and told I needed to use the teacher form, so I did that and was then denied and told I needed to use the preschool form. I called and talked to customer support over 7 different times and was told different information on what to do each time. On 2/27/24 I talked to ** who told me that I needed to delete a page and resubmit, which I did and was then denied again. On 2/29/24, I talked to **** in the entitlement department who said he would escalate my case and get back to me because he saw there was evidence that I was being told incorrect information. He never got back to me. I called on 3/15 to check in on that and was told again to use the preschool form, which I submitted and was denied. I called on 3/25 and asked to speak to someone in the entitlement department, was told they don't talk to customers, but after arguing that I had previously spoken with someone from there, was transferred and told that using NJ preschool programs would be sufficient proof that it was a preschool accredited program I work for. I did what I was told and denied. The anxiety and stress that I was put through during all of this was bad enough that I couldn't sleep. It got to the point that I just consolidated my loan instead of continuing to try to get the forgiveness I am rightfully owed. I've never had such a bad experience.

I thought I was the only person who hated this company so much until I saw their 253 reviews on ****** ALL with only 1 star. This company took me off of auto pay and sent me to collections without a phone call or email. I didnt know I was in collections until I got an email from them. Where was my emails stating a delinquency? When I called in they said it was too late collections already had it and I already affected my credit score. This company is a scam and I dont know why any university would use them for their services.

RIDICULOUS how NO ONE ever answers the phone. Its INSANE how this is allowed to occur.The website has many bugs and it does not allow me to access documents on line, no one attends the chat, and the school apparently is just as culpable as they do not have a viable way to resolve this either. Sadly, BBB is the last resort, but we all know that companies do not care what others say, they are only interested in the money they make and the businesses that contract them think this is all nonsense anyhow. And, we wonder why people are so unhappy and stressed.....UNREAL!

I currently have a late payment with them, I logged in to make a payment they changed the due date to 1/10/24, and so I thought I was okay for awhile, luckily today, I logged into their website just to make sure that was still current, without notice, they changed my due date to 11/10/23, making my payment late, every time I have called them in the past, some has told me something different about my loans, this is the worse loan servicer I have ever dealt with

This is the first time I have had to use this company for student loan reimbursement. I updated my account information 4 days prior to the date the refund was scheduled to be disbursed. ECSI sent the disbursement to the closed account and threatened to send a paper check if my account information was not updated by the 2nd attempt which was the same day a few hours later. I have been on hold for 48 minutes to see if they have the updated information. I was told I had an estimated 2 minute hold time. As I type this review. I am still on hold.

My school college mistakenly sent my account information to ECSI. I pay for college monthly as per our agreement, never late or missed a payment. The school confirmed this was THEIR error and the letter and my information should not have been sent to ECSI as my account was paid according to agreement and in good standing. (I have that in writing from the school). I contacted ECSI to tell them this. The representative told me I had to close my account with my school and pay them instead. This is a complete lie and false information. Why would I pay a collection agency when my account is not past due and my info was sent to them in error. This would hurt my credit! When I said this to the representative she backtracked - probably surprised I was not a naïve college student dumb enough to be scared into paying them. I asked that my personal information INCLUDING my social security number be removed immediately from their system. She said she could not do that and that they have information from people they haven't worked with in years. This is extremely concerning, which I told her. I then repeated that there was no reason they should have my information since I have no business with them. Again, she refused to remove my information and said their system was safe that someone needed a code to log on. When I said that agencies get hacked all the time – like banks, healthcare, the IRS, she had no reply. She just continued to say that they would not remove my information. Why should a company have my personal information and social security number when I have no business with them? This could potentially hurt my credit and put my personal information and social security number at risk of theft. Also, to tell someone to stop paying an account in good standing and to pay them, a collection agency instead, I believe, is illegal. I have contacted my school about this and filed complaints with Federal Trade Commission and Consumer Financial Protection Bureau.

As many complaints as this company receives … each and every rule you do not like to hear … is because of your school. What can and can’t be done is based off THE SCHOOL. Refund students ECSI is not a bank… Google payment processor Tax students .. if you didn’t pay anything or already got enough money granted why the hell would you receive tax money back ?!

They deposited my refund into a closed account since I didn’t go to school at this college anymore. They emailed me the same day to go onto the school website to change my direct deposit and I did. I find out later that the transaction was rejected by ***** since the account wasn’t active anymore. I went to the bank and they provided me with the statement saying both dated when the money was rejected and when money reversed. I showed that to the school to put that in my file, because I’m not spending anymore money for mailing correspondence with this stupid ECSI when this company is way behind the curve in technology. I called them more than several times and everyone seemed to be lost, didn’t know what happened. And finally I got to someone saying it’d take 45-60 days to process it the affidavit they requested me to send in which none of the options they have on the form related to me. This is a real piece of s*it company and employed a lot of dumb people.

Settlement of loan allocation is a manual process for hundreds of educational facilities, or is done with inaccurate event driven calculations. ********* ECSI does not provide timely notice of an error on the account, you have a less than 10 day window to make payments and notice a problem with a payment. If there is a problem, notice is sent out by paper mail. There is no instant electronic notification (part of their business model, judging by the reviews). If payment is accepted but for whatever reason the payee's bank returns the payment request, an NSF charge is applied to the **** account. If you have two loan accounts under one **** account, one loan will be charged not the other. If your payment was more than the minimum payment, debt is reallocated to one account more than the other, causing a delinquency to filed in the reporting that is done by the 19th of each month. This will cause a credit report to be sent out to the credit bureaus with inaccurate payment history (30 days late on 1 account, not the other in the same ECSI account paid on the same due date). The university I'm repaying, also stated in one of the paper letters I received, that they are not charging late fees. NSF fees are charged as late fees on my account anyway, but worse of it all, I'm still dealing with *********************************** to remove a late payment from July 2023. This incident has occurred multiple times, at least three complaints have been filed to Transunion because I was not 30 days past due. I was looking to purchase property before the July 2023 incident. I never felt comfortable that I would get an affordable mortgage after my credit score took a hit again. It's an uphill battle to make things right every time. I have to wait months in between requests because reporting is done monthly. I hope someone audits their systems for accuracy when payments are returned.