Loan servicer · complaint record
Is Heartland Payment Systems legit?
Filed under HEARTLAND PAYMENT SYSTEMS INC
Heartland Payment Systems is a real loan servicer with a public complaint record: 1,455 complaints since 2012, and it is still answering them. It answered 96.3% on time and closed 0% with relief. A complaint record shows how a company treats people when things go wrong - it doesn't prove wrongdoing, and bigger companies get more complaints.
Weak response record. How it works
What the record shows
Good signs
- Active and answeringIt took part in the complaint process as recently as Nov 10, 2026.
Red flags
- Rarely gives reliefOnly 0% closed with money back or a fix - a typical loan servicer manages 2%.
From the complaint record only. A company can be legitimate and still not be right for you; a company with few complaints may simply be small.
- 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
How to check Heartland Payment Systems yourself
- Use contact details you found yourself. Go to the company's own website or the number on your card or statement - never a number or link from a text, email or caller.
- Check its licence. Lenders, servicers and money transmitters are usually licensed by the states - search NMLS Consumer Access and your state's financial regulator.
- Read the latest complaints. Look for the same problem again and again in the complaint log, and at how they were answered.
- Read people's own experiences. See what others say about Heartland Payment Systems, and add yours.
- Get everything in writing before you pay, sign or share anything.
More: how to check if a company is legit · how to spot financial scams
Your rights with student loan servicers
Federal student loan borrowers can switch to an income-driven repayment plan, ask for deferment or forbearance, and apply for forgiveness programs such as Public Service Loan Forgiveness through studentaid.gov. The Federal Student Aid ombudsman helps with disputes your servicer will not fix. Private loans follow the contract and state law instead.
General information, not legal advice; rules vary by state. Plain-English guides
Experiences with Heartland Payment Systems
AllHave you dealt with Heartland Payment Systems? Tell people whether it was legit in your experience.
Share yoursQuestions people ask
Is Heartland Payment Systems a real company?
Heartland Payment Systems is a real loan servicer with a public complaint record: 1,455 complaints since 2012, and it is still answering them. It answered 96.3% on time and closed 0% with relief. A complaint record shows how a company treats people when things go wrong - it doesn't prove wrongdoing, and bigger companies get more complaints.
Is Heartland Payment Systems a scam?
Its record shows a real loan servicer that answers complaints through the official process (96.3% on time). Scammers often pretend to be well-known companies, though: if someone contacts you claiming to be Heartland Payment Systems, hang up or delete the message and contact the company using details you found yourself. Applying for federal repayment plans and forgiveness is free. Anyone who charges a fee, asks for your FSA ID or promises instant forgiveness is not to be trusted.
Can I trust Heartland Payment Systems?
Look at the trend and the answers rather than the total: Heartland Payment Systems closed 0% of complaints with relief and complaints are rising. Read the experiences from people like you.
What should I do if Heartland Payment Systems won't fix my problem?
Put it in writing to the company, keep copies, then file an official complaint - companies must answer. See what to do if a company ignores your complaint.
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
Is Heartland Payment Systems legit? Tell us
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