Complaint #1644770 submitted on 11/07/2015 relating to Heartland Payment Systems. Complaint relates to Debt collection Non-federal student loan - Disclosure verification of debt Right to dispute notice not received.
Complaint was submitted via Web and sent to the company on Saturday 7th November 2015.
Data furnishers are required by law to fully investigate any dispute that 's brought to their attention. If they do n't, they could face substantial regulatory action from the Consumer Financial Protection Bureau. In XX/XX/XXXX, the CFPB issued a formal bulletin warning lenders and other data furnishers, such as debt collection agencies, that they will be penalized if the CFPB finds they are n't properly investigating consumer disputes.
First, XXXX XXXX XXXX XXXX XXXX sent a collection agency notice to my parents house and not to me at my address in Texas.
Second, XXXX XXXX XXXX XXXX XXXX did not investigate my dispute of the invalid debt that I sent them via U.S. Mail and e-mail on XX/XX/XXXX. They reported me as delinquent to the Credit Bureaus and I have experienced significant adverse outcomes as a result of their actions.
| Company | Heartland Payment Systems |
| Complaint ID | 1644770 |
| Date Received | 11/07/2015 |
| Product | Debt collection Non-federal student loan |
| Issue | Disclosure verification of debt Right to dispute notice not received |
| State/ZIP Code | TX 752XX |
| Consumer Consent | Consent provided |
| Company Public Response | |
| Company Response To Customer | Closed with explanation |
| Submitted | Web 11/07/2015 |
| Result | Timely Response: Yes, Consumer Disputed: No |
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