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

• 

  NCO Financial Systems, Inc.

  8025 Excelsior Drive Suite 200 Madison, WI 53717

• 

  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:04/20/2023

  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.

  On February 13, 2022, I was approved for a $3,000 hybrid loan from ******. $750 available immediately, and $2,250 secured in a 'locked' savings account (held by ***** ***** ****). On December 03, 2022, I received an email from ****** stating that my loan was being taken over by their 'trusted partner', SST. I kept my payments current. On March 25, 2023 I decided to pay the loan off and have the savings account unlocked. I immediately called SST and asked them to release the lock on the savings account so I could access the much-needed funds. The rep asked for my account number, I provided it and was told they would unlock the funds and have it deposited to my checking account as soon as possible, but no later than 22 calendar days as the account needed to be closed on their end. I called again after 22 calendar days and was directed to their website. On the website, I had to put in my account information again. I called and was told to give it a few more days and that it should have been in my account within 3 business days. It is now the end of business on April 20, 2023 and I still do not have the funds. Everytime I call, I get a different answer and that I should be able to track the funds on their site. There is NO information on their site regarding the status of the savings. Furthermore, SST outright lied in an email to me about the payoff of the account, claiming it was 04/17/2023. The payoff was actually 03/25/2023. In total, ******SST/***** ***** **** owes me $2,256.59, due immediately.

  Business Response

  Date: 05/05/2023

  Our records reflect that on February 13, 2022, ******* ******* entered into and signed for a ******
  Borrow & Grow Plan, Savings-Secured Loan (“the Contract”); financing $3,000.00 with **********
  Financial, Inc., doing business as ****** (“******”) and funded by ***** ***** ****. According to
  the Contract, Ms. ******* agreed to make 37 bi-weekly payments of $100.00, beginning on March 4,
  2022, with one final payment of $13.10.
  As a New Jersey Chartered, FDIC insured ****, ***** ***** **** (“****”) offers credit products
  through its strategic marketplace lending platform partners, including ******, pursuant to its ****
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The **** originates
  such loans as the lender of record in accordance with its credit criteria and applicable laws, rules, and
  regulations. ****** assists in processing credit applications and services the accounts on an ongoing
  basis on behalf of, and with direct oversight by, the ****.
  A portion of the Loan funds were deposited in a Savings Account held by ***** ***** ****. On or
  about December 5, 2022, ****** transferred servicing of the Loan Accounts to SST. Notice of this
  transfer is prominently displayed on their website, **********. The Savings Account created as part of
  the loan transaction has remained at all times with ***** ***** ****.
  The terms and conditions of Ms. *******’s Loan Account remained unchanged and her Savings
  Account at ***** ***** **** remained open. Once her Loan balance was paid, SST notified *****
  ***** **** to release the Savings Account funds. It is SST’s understanding that the funds, in the
  amount of $2,256.69, were released to her on April 20, 2023.
  

• Initial Complaint

  Date:04/19/2023

  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.

  On April 14, 2023, I decided to pay off my loan (account number: ********) from SST (originally from ******) and initiated a payment for the pay off amount, which was $2400.91. Once I initiated this payment, SST transfer the $2400.91 from my checking account to its business **** accounts on April 17, 2023. According the the loan agreement (contract), once the loan has been paid in full, SST has to release the funds ($1752.26) from the ***** ***** ****'s Secured Savings Account to me. To this date, SST has not release these funds to me. This means that SST have to transfer these funds to my checking account or allow me to transfer these funds directly from ***** ***** **** to my checking account immediately after paying my loan off (April 17, 2023), not 15, 22, 24 business days later. The only resolution that I want is for SST to initiated these funds to be transferred to my checking account no later then Friday, April 21, 2023. I have highlight the sections of this loan agreement that I stated below.

  Business Response

  Date: 05/04/2023

  Our records reflect that on September 4, 2022, ***** ***** entered into and signed for a ******
  Borrow & Grow Plan, Savings-Secured Loan (“the Contract”); financing $3,500.00 with **********
  *********, Inc., doing business as ****** (“******”) and funded by ***** ***** ****. According to
  the Contract, Mr. ***** agreed to make 43 bi-weekly payments of $100.00, beginning on September
  23, 2022, with one final payment of $88.96.
  As a New Jersey Chartered, FDIC insured ****, ***** ***** **** (“****”) offers credit products
  through its strategic marketplace lending platform partners, including ******, pursuant to its ****
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The **** originates
  such loans as the lender of record in accordance with its credit criteria and applicable laws, rules, and
  regulations. ****** assists in processing credit applications and services the accounts on an ongoing
  basis on behalf of, and with direct oversight by, the ****.
  A portion of the Loan funds were deposited in a Savings Account held by ***** ***** ****. On or
  about December 5, 2022, ****** transferred servicing of the Loan Accounts to SST. Notice of this
  transfer is prominently displayed on their website, **********. The Savings Account created as part of
  the loan transaction has remained at all times with ***** ***** ****.
  The terms and conditions of *** *****’ Loan Account remained unchanged and his Savings Account at
  ***** ***** **** remained open. Once his Loan balance was paid, SST notified ***** ***** **** to
  release the Savings Account funds. It is SST’s understanding that the funds, in the amount of
  $1,752.27, were released to him on May 3, 2023.
  

• Initial Complaint

  Date:04/17/2023

  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.

  On September 20, 2022, I entered into a loan agreement with ****** for a Borrow and Grow loan. The original loan amount was for $2000.000. $500.00 was made available to me immediately and $1500.00 was locked into a savings account with ***** ***** ****. Upon full repayment of the loan ($2459.18), on or before February 16, 2024, the contract stipulates that the savings funds would be immediately available once final payment has been received.
  In December 2022, ****** transferred this loan management to SST stipulating that ALL aspects of the loan and contract would remain exactly the same except WHERE to send payment and WHO to contact in the event of questions. ***** ***** **** maintains the savings account and all contractual stipulations agreed to with ****** transferred to SST with ZERO changes, per the paperwork mailed to me by both companies.
  
  On April 14, 2023, I made a final payment of $1452.48 which brought my account balance to $0.00. I called SST on April 17, 2023, and they confirmed that payment in that amount had been received and the account was FULLY PAID OFF. Per the original contract, once the paid balance is zero, the $1500.00 in savings would be IMMEDIATELY AVAILABLE UPON A ZERO PAYMENT BALANCE. However, now SST is trying to say the account must be fully closed and cancelled (which they say "can" take up to 15 days, but will "absolutely" be 15 days per phone service representatives) before the $1500.00 can be made available. This is in COMPLETE VIOLATION OF THE WRITTEN CONTRACT SIGNED IN SEPTEMBER 2022. If I had known that SST would not honor the original contract in its entirety AND/OR it had made clear that final payment did not make savings immediately available, I would not have made a payment in full. This is dishonest and predatory and will force me to fall behind on other bills because they are not honoring the original contract.

  Business Response

  Date: 05/04/2023

  Our records reflect that on September 20, 2022, ******* ****** entered into and signed for a ******
  Borrow & Grow Plan, Savings-Secured Loan (“the Contract”); financing $2,000.00 with **********
  *********, Inc., doing business as ****** (“******”) and funded by ***** ***** ****. According to
  the Contract, Ms. ****** agreed to make 35 bi-weekly payments of $70.00, beginning on October 14,
  2022, with one final payment of $9.18.
  As a New Jersey Chartered, FDIC insured ****, ***** ***** **** (“****”) offers credit products
  through its strategic marketplace lending platform partners, including ******, pursuant to its ****
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The **** originates
  such loans as the lender of record in accordance with its credit criteria and applicable laws, rules, and
  regulations. ****** assists in processing credit applications and services the accounts on an ongoing
  basis on behalf of, and with direct oversight by, the ****.
  A portion of the Loan funds were deposited in a Savings Account held by ***** ***** ****. On or
  about December 5, 2022, ****** transferred servicing of the Loan Accounts to SST. Notice of this
  transfer is prominently displayed on their website, *********** The Savings Account created as part of
  the loan transaction has remained at all times with ***** ***** ****.
  The terms and conditions of Ms. ******’ Loan Account remained unchanged and her Savings Account
  at ***** ***** **** remained open. Once her Loan balance was paid, SST notified ***** ***** ****
  to release the Savings Account funds. It is SST’s understanding that the funds, in the amount of
  $1,501.64, were released to her on May 3, 2023.

  Customer Answer

  Date: 05/05/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Assumed Answered]
  
  Complaint: ********
  
  I am rejecting this response because:  The facts in the business's response are accurate. However, they failed to address that the funds were released to me 19 days after acknowledging a complete payoff. The contract stated those funds would be released immediately, not more than 14 business days after the fact. While the money is now in my possession, they still inaccurately represented themselves as adhering to ALL terms of ******'s original loan contract which expressed immediate release of the savings funds. If they were more transparent about this, they wouldn't be being accused of lying.
  
  Regards,
  
  ******* ******

• Initial Complaint

  Date:04/16/2023

  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.

  Thank you for taking the time to read this letter. I am writing because my credit report contains late payments and collections remarks regarding SST account #******** in which the creditor has agreed to forgive all outstanding balances and delinquent payments. I would like you all to know that I am more than well aware of my financial obligations, etc. and if it had not been for the six job losses that I had from November 2021 to September 2022 I would have an excellent payment history. I fell behind because I was not employed, I was denied unemployment, and I do not have any financial assistance or anyone to help me. I was evicted from my place of residence due to my financial circumstances and I was forced to live in my vehicle as well as in shelters, hotels, motels and hostels provided by the county when funding as well as having availability. I have also been squatting in vacant buildings and sleeping in various places of business to shower. I also suffer from anxiety, depression, insomnia and PTSD in which I am prescribed four medications for daily use. I come from a line of relatives who are toxic and do not approve of my lifestyle choices. Beginning in January of 2023, I was able to land stable employment in my job field in the legal profession as an assistant upon college graduation, I have been working with a credit specialist to help with my financial obligations, and I have also obtained a part-time job that I work occasionally to save money and to pay my bills timely. I have been making my payments on-time or early as I am in the process of obtaining an auto loan and a place to live as I am living in various hotels and shelters along with squatting in various vacant properties because of my credit report showing late payments. believe that the late payments are not a reflection of my creditworthiness along with my commitment to repay my debts and obligations. It would help me out immensely to give me a second chance to better my finances.

  Business Response

  Date: 05/09/2023

  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.
  **** ****** signed an Installment Loan Agreement for a Signature Loan with ************** ********
  **** dba *** **** facilitated through ***********, LLC on July 1, 2022, in the amount of ********
  with an interest rate of *********%. **** ****** agreed to make 52 weekly payments of $***** with
  the first payment being due on July 8, 2022. **** ******’s Account was transferred to System and
  Services Technologies, Inc. (SST) as servicer on the Account on July 1, 2022, and a welcome letter was
  sent to advise **** of the transfer.
  **** ****** was set up on electronic funds transfer (EFT) for the minimum weekly payment of ******
  until August 1, 2022, when SST cancelled the automatic withdrawal due to two or more payments being
  returned for insufficient funds. On November 30, 2022, **** ******’s Account charged off with a
  balance of **********
  **** ****** has disputed the Account on several occasions through the three major credit bureaus,
  ********, *******, and ***** *****. SST promptly investigated and responded to each dispute.
  As of May 9, 2023, **** ******’s Account is 291 days past due for the July 22, 2022, payment.
  Although SST understands and sympathizes with **** ******’s financial situation, **** ******
  rejected the compromise settlement with payment arrangement SST was authorized to extend on behalf
  of the creditor. The credit reporting is accurate, and the debt is valid.
  If **** ****** has any further questions or concerns, please contact SST Customer Service directly.
  

• Initial Complaint

  Date:04/16/2023

  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.

  Per my many disputes the lender did remove a few late pmnts on my credit report however per our agreement they said they would remove all like they did with the late fees. The whole agreement was based on several errors they made on my loan. I filed a previous complaint with you about this. Business but never heard anything back from you. I see several complaints against this company. I read the laws set from the fair credit reporting act and it clearly states late payments reported on a credit report is illegal. I want all the late payments removed or i will contact an attorne. This will be easy because i pay a fee with my work insurance that gives me access to any attorny. They are still showing late payments when i was on autopay the 1st time which i stopped due to them double and triple charging when the payment was made and i even called and told them.

  Business Response

  Date: 05/08/2023

  ***** ***** signed an Installment Loan Agreement with ************** ******** Bank, Inc. d/b/a ***
  Bank through ***********, LLC on February 4, 2022, in the amount of $1,400.00 which was deposited
  into ***** *****’ Account. Per the Loan Agreement, ***** ***** agreed to make 51 weekly
  payments of $55.23, with the first payment due on February 11, 2022. ***** *****’ Account was
  transferred to SST on February 7, 2022, and a welcome letter was sent to advise of the transfer.
  ***** ***** was set up on Electronic Funds Transfer (EFT) for the weekly payments of $55.23 until
  February 17, 2022, at which time ***** ***** canceled the recurring autopay via ****************
  ***** ***** set up recurring autopay successfully on December 22, 2022, for weekly recurring
  withdrawals of $55.23 beginning December 23, 2022.
  ***** ***** did contact SST and was advised of prior returned payments that resulted in the assessment
  of late fees when the payments fell past due. Our records show that the late fees were assessed between
  February 25, 2022, and July 1, 2022, per the loan agreement; however, as a courtesy, SST has waived
  the $95.00 in late fees.
  As of May 4, 2023, ***** *****’ Account is 112 days past due for a total of $890.59, consisting of the
  current payment due May 5, 2023, for $55.23, the past due total amount of $835.36 for the January 13,
  2023 – April 28, 2023, scheduled payments. The last payment received from ***** ***** was via
  recurring Autodraft on April 28, 2023, and the next recurring Autodraft payment is scheduled for May
  5, 2023, for $55.23.
  

• Initial Complaint

  Date:04/11/2023

  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 opened up a borrow and savings account through ****** in January 2022 for 500 dollars. After 2 months of using the product I was giving the option to refinance the account and receive and saving more money. I refinanced and paid every two weeks as asked. On December 5th 2022 I received an email stating that ****** was no longer handling my account and that further dealings would be through SST. Although the automatic **** account withdrawals didn’t follow the normal pay schedule, I stuck with the product with no complaints because it was helping my overall credit. On April 6th, I paid the loan off in full and waiting on instructions on how to receive the savings from the borrower and savings account. On Monday, April 11, 2023 I inquired the website to see if there was an option to start the process to receive my savings. The only thing the website provided was how to pay another payment and my account summary. I called and have repeatedly called SST customer service to find alternatives and resolutions to start the payments of my savings. For the past two days I have heard that “you have to give it 15 days before you can expedite the funds from the account,” to the website is malfunctioning and undergoing maintenance and the balance you see is an glitch in the system.” I’m at my wits end with this and ******, ****** ***** or SST has to answer for this.

  Business Response

  Date: 05/04/2023

  Our records reflect that on March 19, 2022, ******* **** entered into and signed for a ******
  Borrow & Grow Plan, Savings-Secured Loan (“the Contract”); financing $4,491.38 with **********
  *********, Inc., doing business as ****** (“******”) and funded by ***** ***** ****. According to
  the Contract, *** **** agreed to make 55 bi-weekly payments of $110.00, beginning on April 8, 2022,
  with one final payment of $75.08.
  As a New Jersey Chartered, FDIC insured ****, ***** ***** **** (“****”) offers ****** products
  through its strategic marketplace lending platform partners, including ******, pursuant to its ****
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The **** originates
  such loans as the lender of record in accordance with its ****** criteria and applicable laws, rules, and
  regulations. ****** assists in processing ****** applications and services the accounts on an ongoing
  basis on behalf of, and with direct oversight by, the ****.
  A portion of the Loan funds were deposited in a Savings Account held by ***** ***** ****. On or
  about December 5, 2022, ****** transferred servicing of the Loan Accounts to SST. Notice of this
  transfer is prominently displayed on their website, ******.com. The Savings Account created as part of
  the loan transaction has remained at all times with ***** ***** ****.
  The terms and conditions of *** ****’s Loan Account remained unchanged and his Savings Account
  at ***** ***** **** remained open. Once his Loan balance was paid, SST notified ***** ***** ****
  to release the Savings Account funds. It is SST’s understanding that the funds, in the amount of
  $3,016.54, were released to him on April 21, 2023.
  

• Initial Complaint

  Date:04/10/2023

  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.

  At the beginning of the year 2023, a credit builder loan I had taken out with ****** was sold off to SST. My experience was them as been nothing but negative, but tolerable until recently. I contacted SST on 3/15/2023 to advise that my pay schedule from work was being changed. Because ******/SST set up my payments to be taken on my pay schedule I requested that they change my due date to align with my pay schedule. I called again on 3/28/23, and again on 4/4/2023 to ensure that this change was made. On 4/10, I started receiving numerous phone calls where the caller wouldn't say anything but when I called back, the number went to SST. I then received an email stating that I missed my payment due 4/7/23 and I would be reported negatively to the credit bureaus. I called then twice on 4/10 and spoke to two separate people who told me my due date could not be changed but once I made my payment on the 22, I would be ahead of schedule. I insisted on speaking to a supervisor and they refused to connect me. I feel like this is a scam-like organization who profits off fees and interest. I've spoken to them several times and was never told my due date could not be changed. I never agreed to have my loan sold off to a 3rd party, I was never delinquent with ****** to have my loan charged off to collections.

  Business Response

  Date: 04/21/2023

  Our records reflect that on January 24, 2022, ****** ****** entered into and signed for a ******
  Borrow & Grow Plan, Savings-Secured Loan (“the Contract”); financing $4,000.00 with **********
  *********, Inc., doing business as ****** (“******”) and funded by ***** ***** ****. According to
  the Contract, Ms. ****** agreed to make 74 semi-monthly payments of $80.00 on the 7th and 22nd of
  each month, beginning on February 22, 2022, with one final payment of $76.30.
  As a New Jersey Chartered, FDIC insured ****, ***** ***** **** (“****”) offers credit products
  through its strategic marketplace lending platform partners, including ******, pursuant to its ****
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The **** originates
  such loans as the lender of record in accordance with its credit criteria and applicable laws, rules, and
  regulations. ****** assists in processing credit applications and services the accounts on an ongoing
  basis on behalf of, and with direct oversight by, the ****.
  A portion of the Loan funds were deposited in a Savings Account held by ***** ***** ****. On or
  about December 5, 2022, ****** transferred servicing of the Loan Accounts to SST. Notice of this
  transfer is prominently displayed on their website, **********. The Savings Account created as part of
  the loan transaction has remained at all times with ***** ***** ****.
  The terms and conditions of Ms. ******’s Loan Account remain unchanged and her Savings Account
  at ***** ***** **** remains open. Ms. ****** is currently due for her April 22, 2023 payment of
  $80.00. Ms. ****** has currently made nine payments with SST since the transfer. SST has not
  assessed any fees nor has reported negatively to her credit report.
  Since Ms. ****** is set up on semi-monthly payments, she is not eligible for a due date change. On
  April 11, 2023, SST cancelled the semi-monthly electronic funds transfer (EFT) with Ms. ******’s
  approval and she was advised to go to *************** to make payments going forward.
  If Ms. ****** has any further questions or concerns, she may contact SST Customer Service

  Customer Answer

  Date: 04/21/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Assumed Answered]
  
  Complaint: ********
  
  I am rejecting this response because: this doesn’t help me at all. I’m due for two payments unless “***************” (which is the most sketchy name for a ********* website, by the way) brought my account current. This doesn’t take into consideration that I had 3 representatives at SST tell me my due dates had been changed and it doesn’t acknowledge that I requested my autopay be changed to match the new due dates. SST avoids any and all accountability of their role in my delinquency.
  
  Regards,
  
  ****** ******

  Business Response

  Date: 05/04/2023

  As indicated in our response of April 21, 2023, on January 24, 2022, ****** ****** entered into and
  signed for a ****** Borrow & Grow Plan, Savings-Secured Loan (“the Contract”); financing
  $4,000.00 with ********** *********, Inc., doing business as ****** (“******”) and funded by *****
  ***** ****. According to the Contract, Ms. ****** agreed to make 74 semi-monthly payments of
  $80.00 on the 7th and 22nd of each month, beginning on February 22, 2022, with one final payment of
  $76.30.
  The terms and conditions of Ms. ******’s Loan Account remain unchanged and her Savings Account
  at ***** ***** **** remains open. Ms. ****** is now past due for her April 22, 2023 payment of
  $80.00. The Account is also due for the May 6th payment of $80.00. SST has not assessed any fees at
  this time.
  Because Ms. ****** is set up on semi-monthly payments, she is not eligible for a due date change. On
  April 11, 2023, SST cancelled the semi-monthly electronic funds transfer (EFT) with Ms. ******’s
  approval and she was advised to go to *************** to make payments going forward.
  As for the website, Ms. ****** went to *************** and set up EFT on April 14th to pull on April
  22, 2023, as well as made a payment online which came back as NSF and then cancelled it on April
  15th. She called in on April 25th and made a payment. All of her payments have been made via
  autopay website.

  Customer Answer

  Date: 05/04/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Assumed Answered]
  
  Complaint: ********
  
  I am rejecting this response because:
  
  Regards,
  
  
  
  ****** ******

• Initial Complaint

  Date:04/05/2023

  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 am extremely disappointed with the poor service I have received from System and Services Technologies. As a long-time customer who has always paid bills on time, I was disappointed to face numerous issues with their services and customer support. I requested a payment extension, and one agent assured me that I was good to go at the end of the month. However, another representative later called and informed me that the extension was not honored, and I was not previously notified. To make matters worse, the customer support representatives have hung up on me multiple times, which is unacceptable.
  
  This experience has been frustrating, and I would not recommend this company to my friends and relatives. It seems like the employees are not on the same page and know very little about the company. I am considering filing a complaint with the relevant governing bodies if the issue is not rectified soon."

  Business Response

  Date: 04/18/2023

  Our records reflect that on May 15, 2022, **** ******** entered into and signed for a ****** Borrow &
  Grow Plan, Savings-Secured Loan (“the Contract”); financing $4,479.00 with ********** **********
  Inc., doing business as ****** (“******”) and funded by ***** ***** ****. According to the Contract,
  Mr. ******** agreed to make 75 semi-monthly payments of $90.00, set for the 5th and 20th of each
  month, beginning on June 5, 2022, with one final payment of $42.52.
  As a New Jersey Chartered, FDIC insured ****, ***** ***** **** (“****”) offers credit products
  through its strategic marketplace lending platform partners, including ******, pursuant to its ****
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The **** originates
  such loans as the lender of record in accordance with its credit criteria and applicable laws, rules, and
  regulations. ****** assists in processing credit applications and services the accounts on an ongoing
  basis on behalf of, and with direct oversight by, the ****.
  A portion of the Loan funds were deposited in a Savings Account held by ***** ***** ****. On or
  about December 5, 2022, ****** transferred servicing of the Loan Accounts to SST. Notice of this
  transfer is prominently displayed on their website, **********. The Savings Account created as part of
  the loan transaction has remained at all times with ***** ***** ****.
  The terms and conditions of *** ********** Loan Account remain unchanged and his Savings Account
  at ***** ***** **** remains open. Once his Loan balance is paid, SST will notify ***** ***** ****
  to release the Savings Account funds.

• Initial Complaint

  Date:04/04/2023

  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.

  Paid off loan 3/24/23 to receive the balance of a savings account. Have called several times since then regarding the transfer of the balance to my account and have have yet to be provided with concrete details surrounding payment of this account. Have been given different timelines every call, one rep referenced the company with whom I originally took the loan (no longer in business,) had to provide **** account information several times despite it being on file. There is no reason once the final payment has cleared that this process cannot be initiated.

  Business Response

  Date: 04/17/2023

  Our records reflect that on January 25, 2022, **** ***** entered into and signed for a ****** Borrow
  & Grow Plan, Savings-Secured Loan (“the Contract”); financing $1,200.00 with **********
  ********** ****, doing business as ****** (“******”) and funded by ***** ***** ****. According to
  the Contract, Mr. ***** agreed to make 37-weekly payments of $40.00, beginning on February 14,
  2022, with one final payment of $6.76.
  As a New Jersey Chartered, FDIC insured ****, ***** ***** **** (“****”) offers credit products
  through its strategic marketplace lending platform partners, including ******, pursuant to its ****
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The **** originates
  such loans as the lender of record in accordance with its credit criteria and applicable laws, rules, and
  regulations. ****** assists in processing credit applications and services the accounts on an ongoing
  basis on behalf of, and with direct oversight by, the ****.
  A portion of the Loan funds were deposited in a Savings Account held by ***** ***** ****. On or
  about December 5, 2022, ****** transferred servicing of the Loan Accounts to SST. Notice of this
  transfer is prominently displayed on their website, **********. The Savings Account created as part of
  the loan transaction has remained at all times with ***** ***** ****.
  The terms and conditions of Mr. *****’s Loan Account remain unchanged and his Savings Account at
  ***** ***** **** remained open. Once his Loan balance was paid, SST notified ***** ***** **** to
  release the Savings Account funds. It is SST’s understanding that the funds, in the amount of $******,
  were released to him on April 10, 2023.

• Initial Complaint

  Date:04/03/2023

  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 took out a loan with ******* the $4,000 where I was given $1,500 up front and I was obligated to pay the remainder of my loan and I would be promised the $2,500 from ******* once I fulfill the obligation of my loan. So just recently I just fulfilled my obligation of my loan by going on their website and clicking on view my payoff balance, so when I received my payoff balance I had the money in the account and I went ahead and I paid it off so when I called after I talked to one of the reps after I found out that they were double dipping into my **** account because the automatic payment was never taken off on **** ** end they never felt obligated to let me know that they were taking $200 out of my account instead of the $100. After that was taken care of I made sure that I went ahead and I paid off the balance again using their view payoff balance button on their website (**************** I called back in to get everything set up to where I can get my savings account sent to my **** account, The rep stated that I still had a balance of $100 which was baffling to me because I literally just paid $2, 581 dollars to close out my loan I said fine I went ahead and I paid off the $100 then I called back a couple days and the money basically got updated into their system then they stated that I still owed $79 I really wanted this to be done so I went ahead and I paid off the $79 fast forward a week I look it says that I have a balance of 94$ I went ahead and I paid that off and then just today April 3rd of 2023 I had to pay another $94 to finally close out the account after I literally just overpaid what my obligation was to this horrible company. I have confirmation numbers of every payment that I've ever made for this and I also have the **** statements of when they took out the $2,581 now I feel like I'm getting scammed by this company they're not going to obligate the full savings amount because it will be something else they say i will owe.

  Business Response

  Date: 04/28/2023

  Our records reflect that on May 31, 2022, ***** ******** entered into and signed for a ******
  Borrow & Grow Plan, Savings-Secured Loan (“the Contract”); financing $4,000.00 with **********
  *********, Inc., doing business as ****** (“******”) and funded by ***** ***** ****. According to
  the Contract, Mr. ******** agreed to make 54 bi-weekly payments of $100.00, beginning on June 23,
  2022, with one final payment of $29.59.
  As a New Jersey Chartered, FDIC insured ****, ***** ***** **** (“****”) offers credit products
  through its strategic marketplace lending platform partners, including ******, pursuant to its ****
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The **** originates
  such loans as the lender of record in accordance with its credit criteria and applicable laws, rules, and
  regulations. ****** assists in processing credit applications and services the accounts on an ongoing
  basis on behalf of, and with direct oversight by, the ****.
  A portion of the Loan funds were deposited in a Savings Account held by ***** ***** ****. On or
  about December 5, 2022, ****** transferred servicing of the Loan Accounts to SST. Notice of this
  transfer is prominently displayed on their website, **********. The Savings Account created as part of
  the loan transaction has remained at all times with ***** ***** ****.
  The terms and conditions of *** *********s Loan Account remained unchanged and his Savings
  Account at ***** ***** **** remained open. Once his Loan balance was paid, SST notified Cross
  ***** **** to release the Savings Account funds. It is SST’s understanding that the funds, in the
  amount of $2,507.37, were released to him on April 21, 2023.
  It appears Mr. ******** was set up on recurring debit which was transferred from ******. On
  January 28, 2023, he went online to *************** and set up Electronic Funds Transfer (EFT) as
  well, which caused the additional $100.00 to come out each month. However, SST cancelled the
  recurring debit on March 21, 2023 and refunded a total of $300.00 per *** *********s request, for the
  payments posting on February 2, 2023, March 2, 2023 and March 16, 2023 on March 23, 2023.
  If Mr. ******** has any further questions or concerns, he may contact SST Customer Service directly