Complaints

This profile includes complaints for Systems & Services Technologies's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Systems & Services Technologies

  4315 Pickett Rd Saint Joseph, MO 64503-1600

• 

  NCO Financial Systems, Inc.

  113 W. Milwaukee St Janesville, WI 53545

• 

  SST Card Services

  PO Box 23060 Columbus, GA 31902

• 

  NCO Financial Systems, Inc.

  8025 Excelsior Drive Suite 200 Madison, WI 53717

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/11/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company is reporting information that is not true or correct to the credit reporting agencies. I have called this company to resolve this issue. The agent told me if I submitted a payment my account would be paid in full, and this will resolve all credit issues and agreed to remove anything from credit report. I submitted payment and this is still showing up on my credit. I would like the company to follow on their end of the agreement. when I call now I am sent from agent to agent and asked to call a number where no one returns my call.

  Business Response

  Date: 06/19/2025

  Please see attached letter. Thank you. $2,5000.00 of the $4,000.00 was deposited in a Savings Account held by Cross River Bank. On or about
  December 5, 2022, SeedFi transferred servicing of the loan account to SST and a welcome letter was
  sent on December 7, 2022. The savings account created as part of the loan transaction has always
  remained with Cross River Bank. The terms and conditions of the loan remain unchanged.
  Review of the payment history reflects brief regular payments made to SeedFi for the agreed upon
  amount of $95.00 from September 29, 2022, to November 24, 2022. Following the transfer of service,
  payments continued from December 9, 2022, to August 7, 2023. Thereafter, payments stopped, and no
  further payments were made to SST. The remaining balance following the last payment was $2,994.71. 

  Customer Answer

  Date: 06/19/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  The respondent indicates throughout
  the letter that I was given a loan; however, I would like to clarify
  that no loan was ever issued to me. My agreement with Seedfi required allocating my
  funds into a savings account, reported to credit agencies.  I was assured that I could terminate the
  account at any time, and at no point was a loan extended to me.
  
  During a phone call on December 26, 2023,
  the agent informed me that the individual I was being transferred to was
  part of a department within SST that would consider my proposal to pay my
  account in full and consequently remove any negative entries from my credit
  report.
  
  The correspondence states that payments were
  made from December 9, 2022, to August 7, 2023. This concerns
  me, as the credit reporting agencies have inaccurately recorded missed payments
  from February 2023 to October 2023, and no additional payments are reflected
  following October. I kindly request that this company rectify the inaccuracies
  in its reporting to the credit agencies and honor the offer regarding my
  payment in full. Thank you for your attention to this matter.
  
  
  
  Sincerely,
  
  
  
  ******* *******

  Business Response

  Date: 06/30/2025

  *** ******* *******

  SST found
  no inaccuracies to rectify. As stated in our initial response, $2,5000.00 of
  the $4,000.00 was deposited in a Savings Account held by Cross River Bank. The
  rest of the loan, $1,500.00, was deposited into your bank account ending in
  0678. Based on the agreement detail, the claim of being able to terminate the
  account at any time is unsubstantiated. If no loan was issued to you, the
  payments that were made and the calls made to SST requesting to pay off the
  loan state otherwise.

  
  Next, during
  the call on December 26, 2023, you were provided with the phone to American
  Coradius International, LLC (ACI 1) as your account was marked as Do Not
  Collect in our system. During the interaction you were provided with your
  balance as you requested to pay off the account. The agent who assisted
  instructed you to contact this number to pay off your account. You had
  requested to speak with a specific person, but you were provided with the phone
  number instead. At no point did the agent state you were being connected to an
  SST agent. When this number is dialed, the automated system confirms you are
  calling ACI 1. Furthermore, there was no mention of or discussion of any credit
  reporting details during this same interaction. We also partnered with ACI 1
  and review of the call from January 19, 2024, where the account was paid off, confirms
  there was also no mention or discussion of credit reporting.

  
  Lastly,
  regarding the credit reporting, based on the document provided, payments are
  being marked as Late. Our response indicates that a payment was made, not what
  the credit reporting was during the month that payment was made. We suggest you
  reach out to each of the three main credit bureaus, Equifax, Experian and
  TransUnion for a better breakdown of the credit reporting as we work with them
  directly and not a third party such as Credit Karma. 

• Initial Complaint

  Date:06/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company took over a business for a different company, Tally, which went out of business. When I originally heard from this company I thought it was a scam because nothing looked legit. However, 3 months ago I learned the hard way that they are legit because my credit score was majorly affected. I called immediately and asked how I can pay because if you’re past 60 days on a payment you cannot pay online. They told me I was too late to pay online and I needed to wait until the collection agency called. I’ve been waiting and calling and getting the same answer, and it’s making a terrible impact on my credit score, I’m trying to buy a home and this is the only delinquent thing on my report but it’s dropped significantly. I am continuing to be told that at the end of each month the delinquent accounts are transferred to a collection agency. It’s been 3 months of waiting and calling and they just keep saying yeah I’m not sure why your account has not been transferred yet, but check again next month. I cannot wait any longer, they won’t expedite anything for collections, and I’m unable to pay the full amount in one transaction, which is what they are saying my only other option is. This can’t be right and it’s unfair to hold my account hostage like this.

  Business Response

  Date: 06/18/2025

  Please see attached letter. According to our records on July 22, 2022, *** *****, signed an agreement with Tally Technologies, Inc, for a line of credit in the amount of $5,000.00 with an initial interest rate of 22.99% which could vary with the market based on the Prime Rate. She agreed to the terms and obligations outlined in the contract, which state that in the event of a servicing change, her line of credit will be closed. She will then be required to make equal monthly payments of principal and interest that fully amortize her

  Customer Answer

  Date: 06/18/2025

  
  
  Complaint: ********
   
  
  I am rejecting this response because:

  In their response, the company admits that account should have gone to collections in January 2025. Each time I called, the response was that a payment cannot be made until the account goes to collections at the end of the month. Each time I emailed I got a response that they could not help me via email and I must call. 6 full months went by without the account going to collections to make it payable, 6 full months went by and they did not actually even tell me I could pay the full balance off once, they said I had to just wait. It wasn't until 2 weeks ago that someone finally told me the other option was to pay in full, not ideal but at least gets this off my credit report. I have finally paid the amount in full, the company did not uphold their end of the bargain once, the repayment was solely to get this off my credit report so I can apply for a mortgage in a month. The lack of attention and assistance from this company makes it clear that they are just short of a scam. Communication looks like a scam, the website looks like a scam, and the lack of knowledge each time I called looks like a scam. I regretfully paid the account balance in full and reject the response from the company. Waited until I just paid it to even reply, very professional. 
  
  
  
  Sincerely,
  
  
  
  ***** *****

  Business Response

  Date: 06/26/2025

  BBB Midwest Plains
  ***** * ******
  Omaha, NE 68137
  
  Re: Case # 23436899 – ***** *****
  
  
  To whom it may concern:
  
  We appreciate the opportunity to respond to the above-referenced complaint your office brought
  to our attention. Systems and Services Technologies, Inc. (“SST”) is a loan servicing and payment
  processing company that is committed to resolving customer service issues in a cooperative and
  expeditious manner.
  
  As previously mentioned, Tally ceased operations in early September 2024 and transferred all
  open accounts to SST for servicing purposes Prior to the transfer, Tally sent a Truth-In-Lending
  Disclosures showing her, her balance at the time of transfer of $4,548.52 with a fixed interest
  rate of 26.74% and a minimum payment required of $141.56 due on September 23, 2024. Tally
  sent two notifications to each consumer regarding the transfer. SST additionally sent a welcome
  letter that included payment option instructions including an “Authorization to Debit Account”
  form to initiate electronic debit entries and authorize SST, and provided information about how
  she can self-serve her account on our website, ********************
  
  Our records show that your account was past due by more than 90 days, which is why online
  payments were no longer an option at that time. As noted in the terms of use in
  *******************. we reserve the right to modify or discontinue your access to this Portal at
  any time without prior notice. Please note that if we suspend your access to this Portal, you are
  still obligated to make payments on your account, as set forth in your Loan Agreement.
  
  In addition, no subsequent payments were made on the account after the transfer. After the
  payment was missed, SST attempted to contact you to bring the account current. Because you
  failed to make any payments on the account, it was charged off on January 31, 2025, and it was in
  the process of being placed with a collection agency.
  
  Unfortunately, federal law prohibits us from promising to remove negative reporting in exchange
  for payments on an account. As such, we are unable to remove the negative reporting on your
  credit report.
  
  
  ________________________________________________________________________________________________________
  Hours of Operation: Monday through Friday from 7am-8pm CT, Saturday from 8am-12pm CT
  Payment Address: ** *** *****, Columbus, GA 3190
  Correspondence Address: ** *** **** St. Joseph, MO 64503-0997
  Physical Address: **** ******* ** **. Joseph, MO 64503-1600
  Customer Service Toll Free Telephone: ***** ********
  Page 2 of 2
  
  
  However, we do see that on June 17, 2025, you made a payment of $5,337.21, which paid off the
  account in full. Please allow time for this status to be reflected in all applicable systems and credit
  bureaus.
  
  Lastly, we wish to clarify that SST has no ownership interest in *** ******* account. The interest
  rate was not set or changed by SST; it was determined by the original creditor prior to the transfer.
  
  If Ms. Keyes has any additional questions or concerns, please contact Customer Service at *****
  ********* ****** ** **** ****** ** to speak with a live representative during the office hours of
  7:00am to 8:00pm Monday - Friday and 8:00am to 12:00pm Saturday Central Standard Time.
  
  Very truly yours,
  
  * ***** *******
  Compliance Officer
  Systems & Services Technologies, Inc.
  
  
  

• Initial Complaint

  Date:05/07/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To Whom it may concern,
  
  I am writing to express my deep concern regarding several unauthorized account with
  SST/TALLY Account number: **** ******* balance: $21,073.00, which I have been unable to resolve directly with them. I have discovered that accounts have been opened in my name without my knowledge, consent, or authorization. This fraudulent activity is not only a violation of my privacy, but it has also caused significant distress. I expect immediate action to rectify this issue. I am requesting that the Better Business Bureau assist in removing this account from my credit reports.
  
  I have attached copies of relevant documents, including my driver's license proof of address, copy of my social security card a cover letter and the my credit report, to support my case.
  
  I kindly ask for your assistance in facilitating a resolution to this matter. Please let me know if you require any further details or documentation.
  
  Thank you for your attention to this complaint. I look forward to your response and to a prompt resolution.

  Business Response

  Date: 05/15/2025

  Please see attached letter. Our records indicate, on June 20, 2022, Ms. ******, signed an agreement with ***** ***** **** *** ***** ************* Inc, for a line of credit in the amount of $20,000.00 with an initial interest rate of 13.99% which could vary with the market based on the Prime Rate. She agreed to the terms and obligations outlined in the contract, which state that in the event of a servicing change, her line of credit will be closed. She will then be required to make equal monthly payments of principal and interest that fully amortize her Tally Line of Credit over a five-year period.
  Tally ceased operations in early September 2024 and transferred all open accounts to SST for servicing purposes Prior to the transfer, Tally sent a Truth-In-Lending Disclosures showing her, her balance at the time of transfer of $18,946.85 with a fixed interest rate of 17.74% and a minimum payment required of $487.79 due on October 1, 2024. Tally sent two notifications to each consumer regarding the transfer. SST additionally sent a welcome letter that included payment option instructions including an “Authorization to Debit Account” form to initiate electronic debit entries and authorize SST, and provided information about how she can self-serve her account on our website, ********************

• Initial Complaint

  Date:04/20/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Today is Easter Sunday (4/20/2025)- Systems and Services Technology sent a woman with a hospital bracelet on her arm to my home to hand deliver an unstamped envelope with “personal and confidential” handwritten on it today. Inside was an Urgent Message to call this company at ************* Apparently, they are a collections agency for a solar panel company that we are involved in a lawsuit with. Very sketchy and unprofessional.

  Customer Answer

  Date: 04/25/2025

   
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me.
  
  
  
  Though this is the first time I have personally received any correspondence from this company (and the method of delivery seemed very shady, especially after we were scammed by the solar panel folks to begin with!) -  I am satisfied with this company directing any future correspondence to the attorney that is handling our lawsuit against the solar panel company.

  
  
  **********
  
  ***** ********

• Initial Complaint

  Date:04/08/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 3/14 I made the final payment of $2616 on my borrow and grow plan from ******* which is apparently now serviced by SST. I was told had to wait two weeks for the loan to close before I could request the $4500 from the account be transferred to an account of my choosing.
  
  On 3/28 the ability to request the funds was available and I made the request. The website said it could take up to 3 days to receive the funds. It is currently 4/8 and no funds have been received.
  
  On 4/4 I called to see what the issue was and was given no information. I was simply told to wait a few more days.
  
  Today, 4/8, I called again and after several requests for escalation, was finally told that the funds were sent on 4/7 and the 3 days doesn't apply until the transfer is initiated. No one could tell me why it took over a week to initiate it.
  
  At the very least, they need to update their website with accurate information on transfer times but I also think that their frontline reps should have access to more information to better service the customer. Simply telling someone that they need to wait when the provided deadline has already passed is horrible customer service.
  
  If funds have note been received by 4/10, I will update this case.

  Business Response

  Date: 04/15/2025

  Please see attached letter. Thank you.We appreciate the opportunity to respond to the above-referenced complaint your office brought to our attention. SST is a loan servicing and payment processing company. We remain committed to maintaining a prominent level of customer satisfaction and appreciate the opportunity to assist you. Having researched this matter, please be advised of the following:
  Our records indicate the Secured Savings funds were transferred on April 7, 2025. A total of $4,511.02 was transferred to Mr. ***** bank account. Additionally, the account has been closed and marked as Closed-Paid as of April 11, 2025, and a Paid in Full letter has been emailed to Mr. ***.

• Initial Complaint

  Date:04/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ********* **** ******** ****** ********* ***** ****** ********** **** *** ********* ******* ***** ***** ***** *** ********* ** ***** ****** ************ *’m filing a complaint against Systems & Services Technologies (SST) regarding repeated violations of the Fair Debt Collection Practices Act (FDCPA) in relation to a debt account initially managed by Talley, which was sold to SST after Talley's closure.
  
  On multiple occasions from October 19 to November 6, 2024, I received an excessive number of harassing phone calls from SST, totaling over eight calls in five days. Despite my requests to cease communication, SST persisted in contacting me, violating § 1692(d) of the FDCPA, which prohibits harassment.
  
  On November 6, 2024, a demand letter outlining these issues was sent to SST, requesting cessation of communication and notice of my representation by Legal Rights Advocates. This letter was returned due to an incorrect mailing address, which I later confirmed with SST.
  
  Despite taking appropriate legal steps, SST has failed to respond to my demand letter or provide accurate contact information for their legal department. Furthermore, during my attempts to communicate, I was informed that I would need a power of attorney for discussions about my account, which is not a legal requirement under FDCPA. This indicates a deliberate obstruction of my rights.
  
  As of March 21, 2025, SST’s owner threatened my attorney for sending the demand letter, demonstrating their unwillingness to engage in fair negotiations and resolve this matter. I have not received any written communication from SST regarding my concerns or the demand letter.
  
  **Resolution Requested:**
  
  1. Immediate cessation of communication with me regarding this debt.
  2. A written response to the demand letter sent on November 6, 2024.
  3. Correction of any negative reporting on my credit related to this account.
  4. Allowance for my attorney to discuss the legal aspects of this case without obstruction.

  Business Response

  Date: 04/14/2025

  Please see the attached letter. According to our records on June 24, 2022, Mrs.s, signed an agreement with Cross River Bank c/o Tally Technologies, Inc, for a line of credit in the amount of $3,000.00 with an initial interest rate of 28.99% which could vary with the market based on the Prime Rate. She agreed to the terms and obligations outlined in the contract, which state that in the event of a servicing change, her line of credit will be closed. She will then be required to make equal monthly payments of principal and interest that fully amortize  over a five-year period.

• Initial Complaint

  Date:04/02/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing this complaint against Systems and Services Technologies (SST) and their partner Alorica for unlawful debt collection practices.
  
  I was placed on a $24.56 minimum payment plan with a $300 annual fee and 27.24% APR on a balance of $749.36. These terms were never properly disclosed, and I never signed or authorized the loan terms.
  
  Despite multiple requests to cease collections, SST and ******a continued to withdraw payments from my bank account. I was forced to remove my account information to stop unauthorized withdrawals.
  
  I filed complaints with the Missouri Attorney General and the Consumer Financial Protection Bureau (CFPB). SST responded with generic documents that lacked a signed agreement, original creditor documentation, and any valid debt validation.
  
  I am seeking a full cancellation of the debt, reimbursement for unauthorized fees, and damages for emotional distress caused by this unlawful debt collection.
  
  I just need this complaint to go through as part of my exhibits when I sue them in a court of law.

  Business Response

  Date: 04/11/2025

  Please see attached letter. Systems & Services Technologies, Inc. (“SST”) acknowledges receipt of your five complaints filed through the Consumer Financial Protection Bureau (“CFPB”) on April 1, 2025, and April 5, 2025, your complaint filed with the Better Business Bureau (BBB) on April 2, 2025, as well as five previous CFPB complaints, your attorney general complaint and numerous inbound e-mails raising potential issues with SST’s servicing the above-referenced account. SST is a loan servicing and payment processing company. We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist you. Having researched these matters, please be advised of the following:
  A* ****** ******* ********* ** *** ******* ** ***** *** ***** **** ************** ****** ** ********* **** ***** ***** **** *** ***** ************* **** ** ********** **** *** ***** **** *** * **** ** ****** ** *** ****** ** ********* **** ** ******* ******** **** ** ****** ***** ***** **** **** *** ****** ***** ** *** ***** ***** *** ****** ** *** ***** *** *********** ******** ** *** ********* ***** ***** **** ** *** ***** ** * ********* ******* **** **** ** ****** **** ** ******* *** **** **** ** ******** ** **** ***** ******* ******** ** ********* *** ******** **** ***** ******** **** ***** **** ** ****** **** * ********* *******
  ********* **** ***** **** *** ******** ** ****** ******** ****** ** ******* **** **** ****** ** **** ******** ***** ******* ******* ** *** *******
  ********* **** ***** **** ***** ********* ** **** ********** ** **** *** *** ***** ****** ********* ******** ******* ** *********** **** ********* ** ******* ********** *** **** **** *** ******* ********** ** ****** *** *********** ** ****** ******** **** ********** ** * ********* ******* ** ******* **** *** ****** ***** **** ** ****** *** **** ***** * ****** ******* ** ********** ***** ****** ** *** ****** *** *** ******** ********* ** ***** *** ********* ******** ****** *** ****** *** ****** ****** *** ******* *** ****** ****** *** ***** ********
  ****** ** ******* ******* **** *** *** ** ********* ******** ** **** ******* *** *** ******** **** ** **** ******* *** *** ******* ** **** ** * ********* *** **** *** * ********** ** **** ******* ** ***** *** ***** **** ********** ******** *** ******** ******* ********** *** ********* *** **************
  **** *

  Customer Answer

  Date: 04/25/2025

   
  
  I am writing to formally dispute SST’s April 23, 2025 response regarding *** **** ********** ***** *** ************ ** ********* ***** ****** **** *** ******* *** **** ****** * **** ***** **** ******** **** * ****** **** ********** *** **** **** ****** **** * **** ****** ** *** **** ***** ** ********************** * **** ****** *** *** ****** ****
  
  
  1. No Signed Contract Has Been Produced
  
  
  SST claims that an electronic agreement was signed on April 19, 2022, and refers to specific pages. However, they have not provided any signed copy of this agreement. What I received was a generic transaction summary and a multi-page document that appears to be a standard template—not something with my signature or clear proof of consent to the terms.
  
  
  A company cannot simply claim an agreement exists. They must prove it, and so far, SST has failed to do that.
  
  
  2. They Admit They’re Only a Servicer
  
  
  SST acknowledges that they did not originate the loan and are merely a servicer. That means they are enforcing a loan they cannot validate, and their refusal to provide any original documentation from the lender (Tally) only reinforces the fact that this debt has not been legally substantiated.
  
  
  3. They Refuse to Acknowledge Their FDCPA Obligations
  
  
  SST claims they are “not a debt collector,” but their role as a third-party attempting to collect payments on a transferred account qualifies them under the Fair Debt Collection Practices Act. Their refusal to produce proper validation while enforcing repayment terms and debiting accounts directly is a red flag.
  
  
  4. The Cease and Desist Confirms My Point
  
  
  I find it telling that instead of resolving the dispute, SST placed a “cease and desist” on my account. This is a tactic often used to deflect liability without admitting wrongdoing. The core issue—a lack of valid, provable consent to loan terms and fees—still remains.
  
  
  ?
  
  
  ********* ***********
  * ** ********** *** ** *** **********
  ** **** ** *** ******** ****** **** ********** ******* ***** ********* ** *** **** *** *** ****** ***
  **
  ** **** ************ ** **** **** *** ** **** ** ****** ************* *** ******* ** ***** ******* ** *** ***** ***** *********
  
  
  ***** ***** * ***** ** ** ******** ********* *** ************ ******* *** *** **** **** **** **** *** ***********
  
  
  **********
  ******* *************
  **** *** *** *
  ************ ** *****
  ***** ********
  *******************************

• Initial Complaint

  Date:03/26/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My issue is with the sale of ***** to SST and their inability to help me transition over to make payments. ***** sold to SST and the emails I received looked like a scam from SST including a link that did not work, and a website name accountinfo (dot) com that looks like something a 3rd grader would make (this did not help to make reassure me this was real). I kept trying to make payments through the ***** app, until eventually the app shut down.
  
  Fall 2024, I began emailing SST because the website would not allow me to make payments and said I needed to call with my debit card (again a huge red flag). I said I was not comfortable with that and to let me know how I can pay online again or use a credit card. For multiple months they kept telling me I had to call with a debit card and when I called, my call was cuttoff mid talking with a representative multiple times. (At this point it seemed like for sure a scam). 3 months later when I called SST and finally got through, all calls are handled in a centralized call center and their is no way to talk to anyone else outside the call center to confirm the legitimacy of the company. As a result, they began sending late payments to my credit report (I have never once made a late payment to any other company in my life) and this only was a result of them not helping fix my problem to pay.
  
  Finally after months of trying they informed me that if I paid over the phone they would fix the online portal so that I could make other payments there (Strange they couldn't just fix it for me in the first place) SST is entirely at fault for me being unable to make payments in the first place. Additionally they have a 1.1 rating on BBB and a 1.3 on g***le so I thought it was a scam. I just want to pay this off in full and have the late payments removed from my credit report. Everything they sent seemed like phishing and it took them multiple months to help me to fix getting payments in (Which is why any were late to begin with)

  Business Response

  Date: 04/02/2025

  Please see attached letter. We appreciate the opportunity to respond to the above-referenced complaint your office brought
  to our attention. Systems and Services Technologies, Inc. (“SST”) is a loan servicing and payment
  processing company that is committed to resolving customer service issues in a cooperative and
  expeditious manner.
  According to our records on March 13, 2020, Mr. ***, signed an agreement with Tally
  Technologies, Inc, for a line of credit in the amount of $6,001.00 with an initial interest rate of
  19.90% which could vary with the market based on the Prime Rate. He agreed to the terms and
  obligations outlined in the contract, which state that in the event of a servicing change, his line of
  credit will be closed. He will then be required to make equal monthly payments of principal and
  interest that fully amortize his Tally Line of Credit over a five-year period.
  Tally ceased operations in early September 2024 and transferred all open accounts to SST for
  servicing purposes Prior to the transfer, Tally sent a Truth-In-Lending Disclosures showing him,
  his balance at the time of transfer of $9,654.81 with a fixed interest rate of 20.00% and a minimum
  payment required of $258.55 due on September 14, 2024. Tally sent two notifications to each
  consumer regarding the transfer. SST additionally sent a welcome letter that included payment
  option instructions including an “Authorization to Debit Account” form to initiate electronic debit
  entries and authorize SST, and provided information about how he can self-serve his account on
  our website, www.accountinfo.com. Please note that our website is secure as it complies with all
  SOC-2 and PCI certification requirements.
  Please be advised further that SST has no ownership interest in Mr. ***’s account or any of his
  information and the interest rate on his account was not changed by SST. In January 2025, SST
  began to report information related to Mr. ***’s account to the credit bureaus. We have
  accurately reported your payment history to the credit bureaus.
  Our research indicates that no subsequent payments were made on the account after the transfer,
  until January 24, 2025, when a payment of $1,034.00 was made over the phone with an age

  Customer Answer

  Date: 04/07/2025

   
  
  ********** ********
  
  
  
  I am rejecting this response because: I emailed multiple times Fall of 2024 to gain access to the new online account (the link they sent did not work). Additionally, I called multiple times in the Fall of 2024 to make payment and was disconnected multiple time while I was put on hold. My request to no longer call me was because you would call and I would answer and you would request I call you with an automated message. You would call multiple times a day, I would answer and it would again be an automated message telling me to call. I would then call you and not get any help towards making my payment. The first time I was able to successfully able to get through and make a payment was in January after this account had already been reported to the credit reporting agency. I am in no way arguing how much I owe, or what I agreed to. I am simply asking the late / missed payment demerit come off of my credit reporting because it was made so difficult to make a payment prior to January. I am now completely current, and would not have been late in the first place if not for the complete ineptitude of your customer service. I tried to make payments September - December and SST's made that impossible. It seemed borderline on purpose that they were keeping me from being able to make a payment on my account so that they could apply late fees. I hope that is not the case, but frankly with how difficult it was to make a payment online and by the phone, there is no other logical conclusion. With the horrible BBB, google reviews etc. it would not shock me if the issues I had making payments were on purpose. I am happy to pay off the full balance early to prove that any issues with payments was entirely do to how difficult SST made it to make the payments. 

  When going through Tally, payment was made through a new, easy to use app. SST sent me a broken link to a seemingly 20+ year old website that didn't allow me to make online payments and then dropped multiple of my Fall 2024 calls when I tried to make payment. Any late payments were entirely due to the negligence on SSTs part to help me as a customer both online and by phone.

  
  
  
  S*********
  
  ******* ***

  Business Response

  Date: 04/08/2025

  At Systems & Services Technologies, Inc., we are committed to providing the highest level of service to our customers. We regret any inconvenience you may have experienced.  Although we appreciate your efforts to contact us, we remind you that there are several ways to make a payment to SST, including automated bill pay, check, or over the phone.  For these reasons, we are unable to remove the late marks to your account. 

• Initial Complaint

  Date:03/26/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally dispute the account referenced under account number IC102**** that appears on my credit report. This account was opened without my authorization and constitutes fraudulent activity. I have no recollection of applying for or consenting to any agreement with SST/ICREDITW
  
  Under 15 USC 1692g (Validation of Debts), you are required to provide verification of the debt or a copy of the judgment if I notify you in writing within 30 days. I have not received any signed contract or documentation proving that I consented to this account. Without a valid, legally binding agreement bearing my signature, there is no basis for this account to exist under my name.
  
  Since this account was established fraudulently, I request its immediate removal from my credit report and that any collection activity cease. If you cannot provide proper validation within 30 days, you are required to delete this account from my record and stop further collection efforts.
  
  Please confirm receipt of this letter and notify me of the next steps to resolve this matter.

• Initial Complaint

  Date:03/22/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable to this debt for tally, I do not have a contract with system and service technologies. They never provide me with the original contract as requested.

  Customer Answer

  Date: 03/24/2025

  System & services technology is demanding for me to pay off debt that I never borrowed from the company. This is an agency that never sent any contract or disclaimer where I signed or agreed to borrow and pay back any kind of credit from them. I am not liable to anything system & services technology is demanding from me. They went to the credit bureau and reported delinquency on my credit report which is a false accusation on there end when in fact I have done no kind of business with this company in anyway shape or form. This accusation is costing me my credit score and the delinquency should be removed as soon as possible otherwise I’ll see that this company gets justice and will use the full extent of the law considering there are laws in full effect that protect consumers from these kind of accusations.