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Updated on Author: Contributor: Sergei Lemberg

Are You Being Called By ECSI? Here’s What You Need to Know*


Every year, government regulators receive complaints about third-party debt collectors mistreating consumers.

Many of these companies get shut down as a result. If you are being chased by an unethical collection agency, learn about your rights as a consumer, which protect you from such treatment.

What Violates Your Rights Under the FDCPA?

The Fair Debt Collection Practices Act, or FDCPA, regulates the activities of third-party collection agencies. Rude and bullying actions like those listed below are illegal and can even cause repeat offenders to lose their licenses and be shut down.

  • Calling you outside of the hours of 8:00 a.m. – 9:00 p.m. in your time zone
  • Using profane or obscene language
  • Failing to identify themselves as debt collectors in each communication
  • Reporting inaccurate information to the credit bureaus
  • Threatening legal actions they cannot take or have no intention of taking
  • Ignoring a cease communications notice

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ESCI Company Profile

If you are being contacted by ECSI, here is some more information about the agency.

ECSI, which also does business as Heartland Payment Systems, Inc., is a debt collection agency headquartered in Edmond, Oklahoma. It was founded in 1997, has over 3,700 employees, and is managed by its CEO, Jeff Sloan.

Legal records at the PACER website confirm that consumers who thought that they were being harassed by ECSI went to court about it.

Are You Being Called By ECSI? Here's What You Need to Know*

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Alleged Violations against ECSI

According to information on the PACER website, on or around May 11, 2015, ECSI contacted a New York consumer to collect a student loan debt that he denied owing. It demanded action within 30 days, which violated his dispute rights and allegedly did not identify the sender as a debt collector.

Feeling harassed by ECSI, the consumer filed an FDCPA claim against the agency for:

  • Using false, deceptive, and misleading means to collect a debt
  • Not identifying itself as a debt collector in all communications

The matter was later settled.

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Find a Consumer Lawyer

The phone number for this debt collection company is 1-888-963-3600.

If it suddenly appears on your caller ID, it means that you are being called by ECSI.

If they send collection letters that fail to make your dispute rights clear, hire a consumer lawyer and file a claim against ECSI. You may be awarded $1,000 per FDCPA violation.

When debt collectors go too far in their drive to get your money, the law gives you the resources you need to act on your rights.

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Additional Sources

*Case taken from PACER (pacer.gov). File number is Case 1:16-cv-03450-DLC from the United States District Court for the Southern District of New York.

*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against ECSI or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributor: Sergei Lemberg

Contributor: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributor: Sergei Lemberg
One response to “Are You Being Called By ECSI? Here's What You Need to Know*”

JBN

August 17, 2024

I got 2500 and 3000 loans in 1986-1988. I paid 12,644 to the guarantor on loans by 97 or so. A bank analyst forged and/or made unauthorized signature for 7500, 5000, 5000 700 and an additional 2500 using the name Jacqueline NIJai vs my name Jacquelyn N. This caused a $66,000 debt. After fighting from 1993-2022-23, and them taking 20,900, of my money, the 4 non-Master Promissory note loans were cancelled by the DOE and NYSHESC, But the money paid that they took off my 5500 loans and paid the interest on the $66,000 debt, was NEVER reapplied back. They keep selling these bad debts to one another, using my information. I got a 429.00 refund for the 12,644 paid to NYHESC, in 2024. But they continue to ignore my payments and more refund due. Now DMSC and ECSI claims I owe 5100+ and 8600+ more dollars on the same identical loans from 1985-1988 previously paid. ESCI turned my name into the Credit Bureaus 10/23. TO restart or renew payments again for 7 more years, after this was on the record for 7 years before, from the 66,000.00 debt. Notwithstanding DOE and NYSHESC has 0.00 for the 1988 loans. YEt, ECSI sends letters claiming it will not turn in my name to bureaus and collectors, when it did. It wants 5100_ for a 1997.00 loan from 1988. It increased my income from 27,000 to 60,000 to claim a 30.00 bill a month, while DOE requires 0.00 bill for less than 30,000 income. ECSI turned that false into the credit bureaus as well. Claimed 180 and 501 payments were made by me, when I paid ECSI 0.00 10/1-8/1/2024, This was to re-new the debt. I requested it furnish MPN and documentation. ECSI/DMCS refused to furnish any documentation (MPN, Proof I paid 180, 501, etc). DOE sent email that I qualify for relief, need to do nothing, but can opt out 8/6/2024. ECSI and DSMC claims if I do nothing, then I will be garnished, in collections etc. 8/7/2024. I need help all over again from this ongoing ID Fraud and abuse.

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