Loan servicer · complaint record
Heartland Payment Systems complaints
Filed under HEARTLAND PAYMENT SYSTEMS INC
Consumers have filed 1,455 complaints about Heartland Payment Systems since 2012, 216 of them in the last 12 months (+16% on the year before). It answered 96.3% on time and closed 0% with relief for the customer - less often than a typical loan servicer. The most common problem is dealing with your lender or servicer. It is the 9th most complained-about of 47 student loan servicers this year.
Weak response record. How it works
- Complaints on record
- 1,455
- Last 12 months
- 216
- Answered on time
- 96.3%
- Closed with relief
- 0%
- Last 30 days
- 16
- Rank
- #9 of 47
Since October 2012
+16% vs the year before
Industry: 68.4%
Typical loan servicer: 2%
Newest: Nov 10, 2026
Most complained-about student loan servicers
Heartland Payment Systems complaints by month
The busiest month was January 2026 (32 complaints). Complaints in the last 12 months are up 16% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Heartland Payment Systems answered last 12 months
- Closed with explanation216100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time28/4596.3% on time
- Relief for customers0/400% closed with relief
- Complaint trend8/15+16% vs last year
What Heartland Payment Systems complaints are about
Top Heartland Payment Systems problems last 12 months
Inside "Dealing with your lender or servicer"
- Trouble with how payments are being handled 186
- Received bad information about your loan 167
- Don't agree with the fees charged 73
- Problem with customer service 71
- Need information about your loan balance or loan terms 38
- Keep getting calls about your loan 3
Where Heartland Payment Systems complaints come from
Most complaints: California (170), New York (127), Florida (87), Texas (80), Pennsylvania (76).
Heartland Payment Systems compared with other student loan servicers
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | NavientStudent loans | 61 | 617 | C |
| 2 | Climb CreditStudent loans | 47 | 446 | D |
| 3 | AES / PHEAAStudent loans | 96 | 307 | A |
| 4 | Heartland Payment SystemsStudent loans | 36 | 216 | D |
| 5 | AscentStudent loans | 46 | 81 | D |
| 6 | Georgia Student Finance AuthorityStudent loans | 13 | 76 | F |
| 7 | EarnestStudent loans | 51 | 68 | C |
| 8 | College Ave Student Loan ServicingStudent loans | 55 | 67 | C |
Compare side by side: Heartland Payment Systems vs Navient · Heartland Payment Systems vs Climb Credit · Heartland Payment Systems vs AES / PHEAA · Heartland Payment Systems vs Ascent
What people say about Heartland Payment Systems
All experiencesNo experiences with Heartland Payment Systems yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Heartland Payment Systems complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 10, 2026 | Credit cards | Problem with a purchase shown on your statementCard was charged for something you did not purchase with the card | Explained |
| Nov 6, 2026 | Money transfers & apps | Unexpected or other fees | Explained |
| Nov 4, 2026 | Bank accounts | Managing an accountProblem making or receiving payments | Explained |
| Nov 2, 2026 | Student loans | Struggling to repay your loanProblem with forgiveness, cancellation, or discharge | Explained |
| Oct 31, 2026 | Bank accounts | Problem with a lender or other company charging your accountTransaction was not authorized | Explained |
| Oct 29, 2026 | Bank accounts | Managing an accountProblem making or receiving payments | Explained |
| Oct 29, 2026 | Credit cards | Problem with a purchase shown on your statementCard was charged for something you did not purchase with the card | Explained |
| Oct 29, 2026 | Money transfers & apps | Money was not available when promised | Explained |
| Oct 28, 2026 | Student loans | Dealing with your lender or servicerProblem with customer service | Explained |
| Oct 28, 2026 | Student loans | Getting a loanLoan opened without my consent or knowledge | Explained |
| Oct 22, 2026 | Student loans | Dealing with your lender or servicerTrouble with how payments are being handled | Explained |
| Oct 22, 2026 | Student loans | Dealing with your lender or servicerTrouble with how payments are being handled | Explained |
Questions about Heartland Payment Systems
How many complaints does Heartland Payment Systems have?
Heartland Payment Systems has 1,455 complaints on record since October 2012, including 216 in the last 12 months and 16 in the last 30 days. That makes it number 318 of every company by complaints this year.
Does Heartland Payment Systems respond to complaints?
Yes. Heartland Payment Systems answered 96.3% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 36/100 (grade D).
What do people complain about most with Heartland Payment Systems?
The most common problems are dealing with your lender or servicer (538), incorrect information on your report (204), problem with a lender or other company charging your account (28).
Is Heartland Payment Systems legit?
Heartland Payment Systems is a real company with a public complaint record: consumers have complained about it 1,455 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Heartland Payment Systems legit? for the signals, red flags and how to protect yourself.
Are complaints about Heartland Payment Systems going up or down?
Up. There were 216 complaints in the last 12 months against 186 in the 12 before (+16%). See every month.
How do I file a complaint against Heartland Payment Systems?
Complain to Heartland Payment Systems in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Heartland Payment Systems complaints come from?
Most come from California (170), New York (127), Florida (87). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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