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.

  8025 Excelsior Drive Suite 200 Madison, WI 53717

• 

  NCO Financial Systems, Inc.

  113 W. Milwaukee St Janesville, WI 53545

• 

  SST Card Services

  PO Box 23060 Columbus, GA 31902

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:12/26/2023

  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.

  I have been trying to contact SST about the issues for 11 days since the transfer of my account from ****** ** ******* ***** to SST they have not applied the payments made for the billing period.
  
  As shown in screenshots, there is a notice that payments were made before the transition and are still in the billing period.
  
  I attempted to reach out proactively but no response was received.
  
  Payments to satisfy the amount owed:
  12/06 $250 - Not refelcted
  12/11 $450 - Not refelcted
  12/15 $176 - refelcted

  Customer Answer

  Date: 01/04/2024

   
  
  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.
  
  
  
  
  Sincerely,
  
  
  
  ******* *****

• Initial Complaint

  Date:12/26/2023

  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.

  I made my Dec 28 payment on Nov 30 and Dec 1 in amounts totalling 441.05$ and have even paid additional since, and they're refusing to apply this payment towards my Dec 28 payment because they took over my ****** personal loan and ****** said I was good for December, and this new company SST is saying they applied to principal only, but that is false. ****** took interest out of those payments.
  
  I already paid my Dec 28 payment, and I don't have a spare 441.05$ to spend.
  
  It's illegal to demand double payment for a payment they've already received for the month and I've more than satisfied that loan payment of 441.05$ that we agreed on.
  
  I used to work for a bank and I know what they're attempting to do is entirely wrong.

  Business Response

  Date: 01/04/2024

  Please see attached response.

  Customer Answer

  Date: 01/08/2024

   
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that the letter to me should have included my name in the too, this is good though as it shows my whole point that I was correct in that my bill isn't due until Jan 28, despite their staff who told me it was due Dec 28 and that they wouldn't be crediting the payment that I made weeks prior.
  
  
  
  Sincerely,
  
  
  
  ******* ********

• Initial Complaint

  Date:12/24/2023

  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 contacted SST at ************ on multiple occasions beginning in August of 2023 regarding this account that was opened without my knowledge and a debt of $286 account number 41453747 reference number 18184218. My last conversation on 12/20/23 and spoke with two different agents one named ****** ********* and another named ***** ****** I was advised that this debt had not been given to any collection agency so I can not settle the debt and it will remain on my report. A company named ******** ******** ************* *** mailed me a bill for the same balance stating they are the debt collectors. At this point, this debt has not been validated or verified in over 8 months and I have not even been able to settle this small debt that is impacting this credit report tremendously. I would like this removed from my credit report, although I have no knowledge of this debt I would like to resolve it under the FCRA guidelines so my credit is no longer impacted. The company has failed to give a resolution.

  Business Response

  Date: 01/04/2024

  Please see attached response.

• Initial Complaint

  Date:12/20/2023

  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 originally got a personal loan with ****** by ******* ***** to consolidate my debt and save on interest payments. ******* ***** would allow me to make payments, which would reduce the amount of my total montly auto payment. By doing this, I would save on the total interest paid throughout the life of the loan. Having the auto-payment allowed me to receive a 0.25% reduction in interest rate as well.
  
  Recently my loan got transferred to *** ******** *** ******** ************). They state that they additional payments will not cancel or replace the scheduled auto payment. They are changing the terms of my loan and should not be allowed to do so.
  
  If I remove the auto payment they will remove the 0.25% for the auto pay, therefor paying more interest.
  
  If I make monthly payments, I will end up paying more in interest throughout the life fo the loan.
  
  If I continue to make weekly payments, I would also have to make the additional monthly payment.
  
  Therefor they are effectively forcing me to pay more in interest or cause economic hardship.
  
  I did not ask for the change in servicer, everything my loan should remain the same. Our system does not suppport it, should not be an excuse.
  
  Fix your system.

  Business Response

  Date: 01/03/2024

  Please see attached responseWe 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. 
  We’ve completed our review of the account in question and found the following:
  On December 27, 2022, Jesus J Villegas signed an Agreement for a Marcus by Goldman Sachs loan
  (“the Contract”) financing $21,000.00. According to the Contract, Mr. Villegas agreed to make 36
  monthly payments of $712.53, beginning on February 15, 2023. On December 11, 2023, the Account 
  was assigned to Systems and Services Technologies, Inc. (“SST”) for servicing with a balance of 
  $13,347.91 and due for the December 15, 2023 payment. A one-month extension was granted to 
  reflect corrected next due date of January 15, 2024. Payment of $712.53 is due at that time. 
  As stated by Mr. Villegas, his loan’s interest rate has been reduced by 0.25% for being enrolled on 
  Auto-draft.
  If Mr. Villegas has any further questions or concerns, he may contact SST Customer Service directly at 
  (800) 392-8308.

  Customer Answer

  Date: 01/04/2024

   
  
  Complaint: ********
  
  
  
  I am rejecting this response because: you have only regurgitated the information I provided and have not made an attempt to resolve the issue at hand. 
  

  Will you be accepting weekly payments to reduce and/or zero out my monthly auto payment?

  Will you be reflecting the correct balance, history and payout amount on my online account? 
  

  Will you company be providing the information that was requested on mutiple occassions?  Copy of the contact mentioned by *** representatives. 

  
  
  
  Sincerely,
  
  
  
  ***** ********

  Business Response

  Date: 01/29/2024

  Please see attached response.

  4315 Pickett Road Calls to or from this company may be monitored
  PO Box 3999 or recorded for quality assurance.
  St. Joseph, MO 64503-0999
  ________________________________________________________________________________________________________
  Hours of Operation: Monday through Friday from 7am-8pm CT, Saturday from 8am-12pm CT
  Payment Address: **** *** ***** ***** ******* ** **********
  Correspondence Address: PO Box 3999 St. Joseph, MO 64503-0999
  Physical Address: 4315 Pickett Rd St. Joseph, MO 64503-1600
  Customer Service Toll Free Telephone: (800) 392-8308

  
  January 29, 2024

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

  
  BBB of Greater Kansas City
  8080 Ward Parkway, Suite 401
  Kansas City, MO 64114

  
  Re: Case # ******** – ***** ********

  
  Dear Ms. ******:

  
  We appreciate the opportunity to respond to the above-referenced complaint your office brought to our
  attention. ******* *** ******** ************* ***. (“***”) is a loan servicing and payment
  processing company that is committed to resolving customer service issues in a cooperative and
  expeditious manner.

  
  We’ve completed our review of the account in question and found the following:
  As previously stated in our response of January 3, 2024, on December 27, 2022, ***** * ********
  signed an Agreement for a ****** ** ******* ***** loan (“the Contract”) financing $21,000.00.
  According to the Contract, Mr. ******** agreed to make 36 monthly payments of $712.53, beginning
  on February 15, 2023. On December 11, 2023, the Account was assigned to ******* *** ********
  ************* ***. (****”) for servicing with a balance of $13,347.91 and due for the December 15,
  2023 payment.

  
  Mr. ********* loan’s interest rate has been reduced by 0.25% for being enrolled on Auto-draft.
  The terms and conditions of the Loan Agreement currently remain unchanged.
  A copy of the Contract will be mailed to Mr. ******** shortly.

  
  We can, of course, set up weekly payments but we would only do this if it would pay the monthly
  payment by the customer’s due date. However, the Account reflects a payoff amount received of
  $13,536.68 was made via ******, effective January 15, 2024.
  
  Page 2 of 2

  
  If Mr. ******** has any further questions or concerns, he may contact SST Customer Service directly at
  (800) 392-8308.

  
  Very truly yours,

  
  R ***** *******
  Compliance Officer
  ******* * ******** ************* ****

• Initial Complaint

  Date:12/18/2023

  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.

  They deducted the remaining portion of my loan from bank account without my authorization. The next payment wasn't due until Jan 2 and it is half of what i had left.

  Business Response

  Date: 01/03/2024

  Please see attached response.

  Customer Answer

  Date: 01/03/2024

   
  
  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.
  
  
  
  
  Sincerely,
  
  
  
  ***** *********

• Initial Complaint

  Date:12/11/2023

  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.

  My original loan was with SeedFi. For whatever reason SeedFi went out of business and transferred my loan to SST.
  
  I am about to pay off my loan so I can receive my $2500 and reached out to SST to understand why it may take 15 business days to get my funds returned to me based on my loan type.
  
  I reached out via email so I could keep in writing all my correspondence.
  
  They have not responded and it's been over 7 days.
  
  I am extremely worried I will never get my money back from this company.

  Customer Answer

  Date: 01/04/2024

   
  
  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. although I am closing my case, I still have absolutely no faith or confidence in SST to handle my affairs ever again. They took over from another company without my choice and SST was subpar service.
  
  
  
  Sincerely,
  
  
  
  ******* ******

• Initial Complaint

  Date:11/22/2023

  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 writing to bring to your immediate attention a matter of significant concern regarding the reporting of illegal late payments and the unauthorized sale of my information by SST Corporation. I have recently discovered that late payments have been inaccurately reported to consumer reporting agencies, which is not only damaging to my credit but is also in violation of the law.
  
  It has come to my attention that SST Corporation is reporting late payments on my consumer report, despite the fact that I have never entered into a contract with your company. The original agreement is with SeedFi, and there is no legal basis for SST Corporation to report any late payments on my behalf. This erroneous reporting is not only damaging to my credit score but is also a clear violation of my consumer rights.
  
  Furthermore, I have reason to believe that SST Corporation is engaging in the unauthorized sale of my personal information. I want to make it explicitly clear that I have not consented to such actions, and any attempt to profit from the sale of my information without my explicit authorization is a breach of privacy and a violation of applicable laws.
  
  I demand that SST Corporation immediately rectify the inaccurate late payments reported to consumer reporting agencies and cease any further unauthorized sale of my personal information. Failure to comply with this demand within 30 will leave me with no choice but to pursue legal action, including arbitration, to seek redress for the damages incurred.
  
  I expect your prompt attention to this matter and a written confirmation of the corrective actions taken. Please consider this letter as my formal notice and demand for resolution. I am prepared to take further legal action if necessary to protect my rights.

  Business Response

  Date: 12/08/2023

  Please see attached response.

• Initial Complaint

  Date:11/21/2023

  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.

  They took away both loans on accident. Not on my credit report anymore

  Business Response

  Date: 12/01/2023

  Please see attached response.

  
  December 1, 2023
  

  ****** ******
  BBB of Greater Kansas City
  8080 Ward Parkway, Suite 401
  Kansas City, MO 64114
  Re: Case # ******** – ***** ******
  Dear Ms. ******:
  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.
  

  We’ve completed our initial review of the account in question and found the following:

  
  On August 7, 2023, ***** *** ******* ****** signed a Simple Interest Note & Security Agreement
  (“the Contract”) with ******* ****, financing $25,558.28 for the purchase of a 2008 Yamaha 21SS;
  a 2008 MFIGV Tandem; a 2008 Yamaha MR1 Four Stroke and a 2008 Yamaha MR1 Four Stroke.
  According to the Contract, Mr. ****** agreed to make 144 monthly payments of $351.17, beginning on
  September 6, 2023. On August 16, 2023, the Account was placed with SST for servicing.

  
  When October reporting went over to the bureaus, SST had a tradeline and ******* **** established
  a tradeline on this Account. Mr. ****** called in and informed us there were two tradelines. We had no
  confirmation at the time that ******* had deleted their tradeline, so to avoid a **** complaint we
  deleted our SST/RECFI tradeline. Now that ******* has deleted their tradeline, we are working on
  re-establishing our tradeline which should show as SST/RECFI/*******. The timeline to see
  updates to credit reporting vary and depends on the different credit reporting agencies.

  
  If Mr. ****** has any further questions or concerns, he may contact SST Customer Service directly at
  (800) 392-8308.

  
  Very truly yours,
  * ***** *******
  Compliance Officer
  Systems & Services Technologies, Inc.

• Initial Complaint

  Date:11/17/2023

  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 have been making on time payments all yea,, it currently says I have $395 Dollars past due when I have made every payment on time this year. This was a credit building loan under the company seed fi until it was bought out by intuit, and transferred to a debt collection agency, “SST.” Since the transfer, the company has said that this is still the “same plan” that I had with SeedFi however it has reported that I have $395 dollars past due.
  
  I was not notified that this loan would be transferred over to SST and ever since this transfer it has been shady practice after shady practice.
  
  The new company, SST has not kept to the original terms and has been harassing me for the past due amount when I have already made the payments on time without any missing. Any reversals or late payments were made prior to this.
  
  Not only this, I am one of multiple customers whose contract with ****** has been breached by the transfer of this loan to a company that is just a debt collection agency.
  
  There have been hundreds of complaints by consumers of this loan to the better business bureau, with multiple complaints attached about “missing past due payments” when those payments have been made.
  
  This company and this loan have been plaguing my credit score. I took out this loan to build my credit score and all it has done is destroy it.
  
  There have been multiple statements of false charges, different balances owed, and the company not keeping its sworn statement by taking out my payments every two weeks on my paycheck date, rather taking it out every other week unlike how I agreed with ******.
  
  This has gone from a credit building loan to a predatory company change to a debt collection agency with hundreds of people paying the consequences.
  
  Whatever missing payments are not accounted for I am not liable for as this has happened to multiple consumers with the same exact problem.

  Business Response

  Date: 11/30/2023

  Please see attached response.

• Initial Complaint

  Date:10/03/2023

  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 don't am not liable for this debt with ******* I do not have a contract with Systems & Services Technologies. They did not provide me with the original contract as i requested.

  Customer Answer

  Date: 10/03/2023

  Yes I submitted recently have been reviewing my reports and came across some discrepancies that need to be address. I have requested a copy from company and haven’t received it. 

  Business Response

  Date: 10/26/2023

  Please see attached response.