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:03/24/2023

  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 had a borrow and grow account with ****** which is now being handled by SST. I paid my account in full on Feb 23 2023 and asked for my savings to be released. I was told the entire process would take 22 calendar days and I would have my funds. As of today when I called since it’s been more than 22 calendar days I was told that they apologize for my frustration and I should have my funds by Wednesday of next week. Unfortunately, each week when I call I’m told the same thing and have to continue calling to get no where. I would either like my savings account deposited into the account that was given to them or to have my final payment refunded to me and my account closed and wrote off. This is unacceptable and by far the most unprofessional business I’ve ever dealt with. Their customer service is trained to say the same thing but yet lie.

  Business Response

  Date: 04/12/2023

  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.
  Our records reflect that on August 4, 2022, ******* ************** entered into and signed for a
  ****** Borrow & Grow Plan, Savings-Secured Loan (“the Contract”); financing $5,000.00 with
  ********** ********** ***., doing business as ****** (“******”) and funded by ***** ***** ****.
  According to the Contract, *** ************** agreed to make 48 bi-weekly payments of $125.00,
  beginning on August 19, 2022, with one final payment of $8.94.
  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 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 $3,507.81, were released to him/her on March 29, 2023.
  

• Initial Complaint

  Date:03/24/2023

  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 originally had a loan with ****** and they sold it in 2022 to Systems & Services Technologies.
  
  I paid off my remaining loan balance on March 9, 2023 and I should have access to my $1686 that is sitting in a savings account with their affiliate ***** ***** **** but I don't have my money yet. It should not take over 7 business days to transfer money electronically. I've done this countless times with other lenders and have had my money in 72 hours or less. It's March 24th and still nothing from these crooks. I need my money ASAP. When I paid off my loan, I did as they instructed and called with my routing information for electronic transfer and still to this day I haven't seen a statement or letter to say they have sent my money, matter of fact it's still showing my savings account as locked even though it didn't take them but 48 hours to if that to post my final payment, Ths is ridiculous.

  Business Response

  Date: 04/06/2023

  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.
  Our records reflect that on July 2, 2021, ***** ****** entered into and signed for a ****** Borrow &
  Grow Plan, Savings-Secured Loan (“the Contract”); financing $2,667.00 with ********** *********,
  Inc., doing business as ****** (“******”) and funded by ***** ***** ****. According to the Contract,
  *** ****** agreed to make 50 bi-weekly payments of $70.00, beginning on July 23, 2021, with one
  final payment of $35.30.
  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 *** ******’ Loan Account remain 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
  $1,687.04, were released to her on March 29, 2023.

• Initial Complaint

  Date:03/24/2023

  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.

  Final payment made on 2/24/23 I was told 22 CALENDAR days for savings release and provided transfer information at time of payment, which would have been 3/17/23. I have received correspondence confirming said payment, but transfer has not occurred. I spoke with the same representative on Tuesday, March 21,2023 and today March 24, 2023. On Tuesday I was told "Thursday or Friday" I asked her to confirm using actual dates and she confirmed 3/23 or 3/24. My call today with her I was told "later today or Monday" and if not received then to call again.
  
  I made the payment to avoid dealing with arbitration, even though I am not completely sure I agree with the numbers provided, but for a few hundred difference to get away from the situation I did it. I would like the savings sent to me and the ordeal be finished.
  
  All of my calls are recorded and dates and individuals documented.

  Business Response

  Date: 04/06/2023

  Our records reflect that on October 6, 2021, ******* *** entered into and signed for a ****** Borrow
  & Grow Plan, Savings-Secured Loan (“the Contract”); financing $4,000.00 with **********
  ********** ****, doing business as ****** (“******”) and funded by ***** ***** ****. According to
  the Contract, Ms. *** agreed to make 68 bi-weekly payments of $80.00, beginning on October 25,
  2021, with one final payment of $58.12.
  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 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
  $2,006.03, were released to her on March 29, 2023.

• Initial Complaint

  Date:03/23/2023

  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 paid off my SST loan which was sold off from ******, on 02/24/2023. When I initially signed up for the loan (on a recorded call), I was told by ****** that my savings would be returned to me within 3-5 business days once the loan is paid. When trying to get SST to release my funds, I was told it would take 22 business days. This was after dozens of unresponded emails and calls for resolution. I was finally told on a recorded call on 03/20/2023 that I should see my money by 03/23/2022.
  
  On 03/23/2022, I called SST to find out why I've yet to receive my money. I was told there were further issues with my account, and I would see payment finally on 03/27/2023. When I told the agent that it was not acceptable, I was hung up on, and continued to be hung up on by a second agent while trying to speak to a leader.
  
  Documentation supporting all of my claims can be provided upon request.
  
  I WANT MY FUNDS RETURNED.

  Business Response

  Date: 04/06/2023

  Our records reflect that on February 2, 2022, ****** ******* entered into and signed for a ******
  Borrow & Grow Plan, Savings-Secured Loan (“the Contract”); financing $2,000.00 with **********
  ********** ***., doing business as ****** (“******”) and funded by ***** ***** ****. According to
  the Contract, Mr. ******* agreed to make 46 bi-weekly payments of $50.00, beginning on February
  25, 2022, with one final payment of $12.16.
  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
  $1,002.98, were released to him on March 29, 2023.
  

  Customer Answer

  Date: 04/07/2023

  [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: nothing was expeditious in this entire process. I tried for months to resolve this and documentation can be provided. I paid unnecessary interest. I want it returned. SST and ***** only provided timely and appropriate service if we were in some alternate reality, or it were “opposite” day. Neither of which I believe are the case here. I want all associated businesses and parties held accountable for how they treat people. Regards,
  
  ****** *******

  Business Response

  Date: 04/14/2023

  As previously stated in our response of April 6, 2023, we’ve indicated that on February 2, 2022,
  ****** ******* entered into and signed for a ****** Borrow & Grow Plan, Savings-Secured Loan
  (“the Contract”); financing $2,000.00 with ********** ********** ***., doing business as ******
  (“******”) and funded by ***** ***** ****. According to the Contract, Mr. ******* agreed to make
  46 bi-weekly payments of $50.00, beginning on February 25, 2022, with one final payment of $12.16.
  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
  $1,002.98, were released to him on March 29, 2023.

• Initial Complaint

  Date:03/23/2023

  Type:Order 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 got a loan with ****** and a portion of my loan was deposited to a savings account. I signed a contract with ****** stating I would receive the amount in my savings once I paid off my loan. Unfortunately ****** sold my account to Systems and Services Technologies on December 5, 2022. I paid off my loan on March 1, 2023 and My **** cleared the payment the next day. I was told by one of SST's customer service representative my savings would be deposited in 14 days, another said 22 days and another one said on March 23, 2023. I still have not received my savings and now another representative said I would would receive it on April 4, 2023 (22 business days). They sent me an email on March 21, 2023 stating my account was paid in full on March 20, 2023 which is not accurate and has me thinking they put a later date to delay depositing my savings.

  Business Response

  Date: 04/06/2023

  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.
  Our records reflect that on January 2, 2022, ****** ****** entered into and signed for a ****** Borrow
  & Grow Plan, Savings-Secured Loan (“the Contract”); financing $4,000.00 with **********
  ********** ***., doing business as ****** (“******”) and funded by ***** ***** ****. According to
  the Contract, *** ****** agreed to make 37 monthly payments of $160.00, beginning on February 3,
  2022, with one final payment of $26.48.
  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 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
  $2,005.96, were released to her on March 29, 2023.
  If *** ****** has any further questions or concerns, she may contact SST Customer Service directly
  
  

  Customer Answer

  Date: 04/08/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  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.
  
  
  Regards,
  
  
  
  ****** ******

• Initial Complaint

  Date:03/23/2023

  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 13th, 2022 I had opened a Borrow and Save account with a company called ******. I had taken an account of this nature previously with this company and was greatly satisfied with the customer service I had received from them. I had pain off the loan early, and within 10 business days of paying off my loan I had the savings deposited to my **** account. When I started my second loan with them in the date mentioned above, I received a notice on December 5th, 2022 that a new company was taking over ****** called System Services and Technologies. Since December it has been such a headache that I decided to pay my loan off early just to avoid dealing with this company. I had paid my loan amount in FULL on March 21st 2023 with account number 41530510. I called on March 23rd 2023 to access my savings and have it transferred out. I was frustrated with the representative I spoke with due to her challenging all of my responses to security questions, and the fact she had to verify over 5 separate things to put me in a 'tracking system' (? whatever that is). I was then informed that even though they took the final payment out of my account within HOURS and my **** has processed the payment and closed it, it would take a MONTH at minimum for them to close my account and send the money over.
  
  I am disgusted by this business practice. I kept asking my representative why it took so long when ****** took only 10 days at max, and she kept dismissing me saying it was the 'tracking system'. Yet, when asked what this tracking system was, she would continue dismissing it saying in 22-30 business days I SHOULD receive the money.
  
  It's honestly made me very dissatisfied with this company that they can take my payments out within HOURS but when I try to access money that is mine, suddenly it's an issue?
  
  I want my money sooner than a month, and for them to remove me from any forms of future contact.

  Business Response

  Date: 04/18/2023

  Our records reflect that on September 13, 2022, ****** ***** entered into and signed for a ******
  Borrow & Grow Plan, Savings-Secured Loan (“the Contract”); financing $3,038.00 with **********
  ********** ***., doing business as ****** (“******”) and funded by ***** ***** ****. According to
  the Contract, Ms. ***** agreed to make 60 bi-weekly payments of $70.00, beginning on October 6,
  2022, with one final payment of $63.89.
  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
  ***** ***** **** 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
  $1,692.70, were released to her on April 10, 2023.

• Initial Complaint

  Date:03/22/2023

  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.

  Got a credit bitter loan through ******. Great company no issues. About 6 months ago SST bought out my loan and took over maintaining the loan.
  
  Immediately the terms of service was changed without my consent. Prior to SST there was no fee to make payments via my debit card. Once SST were in charge they were charging $10 as a fee.
  
  I would call customer service and get a runaround every single time speaking to a non-english person in a call center somewhere overseas.
  
  Nobody would offer any resolution.
  
  So finally I found a workaround in their system and was still able to make my payments and not be charged the fee.
  
  Now on 3/3/23 I was late with the payment. On 3/17/23 I made a double payment which was the past due amount and the current amount.
  
  The system still registers as my 3/17 payment as now late.
  
  I called customer service and basically was told by a very rude person that I am late there's nothing they can do they won't make any changes.
  
  I would have never taken a loan out with this company upon reading all of the BBB complaints and reviews regarding this company.
  
  As of right now I am not comfortable continuing this loan because I believe I am not going to be paid My savings account balance upon completion.
  
  At this point in time due to all the issues that I have which should be in my notes because I've made numerous phone calls since SST took over this loan I'm not comfortable continuing.
  
  I would like this loan to be ended and be reimbursed all monies paid in thus far.

  Business Response

  Date: 04/07/2023

  Our records reflect that on July 25, 2022, ******** ****** entered into and signed for a ******
  Borrow & Grow Plan, Savings-Secured Loan (“the Contract”); financing $3,000.00 with **********
  ********** Inc., doing business as ****** (“******”) and funded by ***** ***** ****. According to
  the Contract, Ms. ****** agreed to make 39 bi-weekly payments of $95.00, beginning on August 19,
  2022, with one final payment of $79.57.
  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 with a balance of $2,256.04 as of March 30, 2023. Once the Loan
  Balance has been paid in full, SST will notify ***** ***** **** to release the funds.
  Ms. ****** is currently showing past due for the March 31, 2023 payment in the amount of $95.00.
  Ms. ****** missed making the payments due February 17th and March 3, 2023. On March 17, 2023
  she made a double payment which took care of the February 17th and March 3rd payments, leaving the
  Account due for March 17, 2023. The next payment was received on March 30, 2023 which satisfied
  the March 17th payment.
  Ms. ****** has made seven payments with SST since the transfer. SST has not assessed any fees at
  this time.
  If Ms. ****** has any further questions or concerns, she may contact SST Customer Service
  

  Customer Answer

  Date: 04/07/2023

  [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:  Yes I missed a payment and then I caught up and made a double payment but SST never accepted that it was a caught up payment and currently has me late even though I am not because I have made my payment on time since the double payment.  When I called customer service they said that I did it wrong and when I made the double payment it went to the principal instead of putting that extra payment toward the late payment. And when I asked them to correct that they refuse to do that. So even though I have made every single payment since a double payment on time SSD still says I am late and I'm not They need to correct that because right now I am current the double payment took care of the late week and I have made a payment every two weeks since then. And yes the terms did change. When it was seed fire I was not charged to $10 fee for using my debit card. When SST took it over I'm charged $10 for using my debit card to make my payment. That is a change of service. So for example I go to the screen to make my debit payment one time debit payment and it automatically sets in the amounts of $95 plus $10 fee. Which would equal 105. So I have to manually go in change it to $85 payment and a $10 fee to make it the $95.That is a change In the terms of service which I did not agree to.So again I made a double payment which caught up what I was past due and I have made every single payment on time since then according to SST I am still late so until they correct that I still have a problem with this.
  
  Regards,   ******** ******

  Business Response

  Date: 04/14/2023

  As previously stated in our response of April 7, 2023, we’ve indicated that on July 25, 2022, ********
  ****** entered into and signed for a ****** Borrow & Grow Plan, Savings-Secured Loan (“the
  Contract”); financing $3,000.00 with ********** ********** Inc., doing business as ****** (“******”)
  and funded by ***** ***** ****. According to the Contract, Ms. ****** agreed to make 39 bi-weekly
  payments of $95.00, beginning on August 19, 2022, with one final payment of $79.57.
  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 with a balance of $2,256.04 as of March 30, 2023. Once the Loan
  Balance has been paid in full, SST will notify ***** ***** **** to release the funds.
  Ms. ******’s Account is current and due for the April 14, 2023 payment.
  Ms. ****** has made eight payments with SST since the transfer. SST has not assessed any fees at
  this time.
  

  Customer Answer

  Date: 04/14/2023

  [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:  Okay according to SST I am current on my loan payments. I made a loan payment yesterday.  If I am current why do I get emails stating that I am late??
  
  
  
  Regards,
  
  ******** ******

  Business Response

  Date: 04/20/2023

  As previously stated in our response of April 7, 2023, we’ve indicated that on July 25, 2022, ********
  ****** entered into and signed for a ****** Borrow & Grow Plan, Savings-Secured Loan (“the
  Contract”); financing $3,000.00 with ********** ********** Inc., doing business as ****** (“******”)
  and funded by ***** ***** ****. According to the Contract, Ms. ****** agreed to make 39 bi-weekly
  payments of $95.00, beginning on August 19, 2022, with one final payment of $79.57.
  The terms and conditions of Ms. ******’s Loan Account remain unchanged and her Savings Account
  at ***** ***** **** remains open with a balance of $2,256.04 as of March 30, 2023. Once the Loan
  Balance has been paid in full, SST will notify ***** ***** **** to release the funds.
  Per our explanation in our initial response of April 7, 2023, Ms. ****** was showing past due for the
  March 31, 2023 payment in the amount of $95.00. Ms. ****** missed making the payments due
  February 17th and March 3, 2023. On March 17, 2023 she made a double payment which took care of
  the February 17th and March 3rd payments, leaving the Account due for March 17, 2023. The next
  payment was received on March 30, 2023 which satisfied the March 17th payment. She then made a
  payment on April 13, 2023, which satisfied the March 30, 2023 payment.
  Currently, the April 14, 2023 payment is past due. If this is paid before the next due date of April 28,
  2023, then the account will be caught up and current. If not, Ms. ****** will continue to be one
  payment behind.
  Ms. ****** has made eight payments with SST since the transfer. SST has not assessed any fees at
  this time.

• Initial Complaint

  Date:03/22/2023

  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 originally did a borrow and grow plan with ****** in 2022 for the amount of $2667. $1000 was immediately disbursed. Sst bought out ****** in 01/2023. I paid the remaining balance of $1195.24 on 03/10/23 to receive the receive my savings of $1667. My contract with sst states that the loan amount will be processed within 14 days. There’s nothing pending on my **** account. I have called sst several times regarding this matter. I was successfully transferred to a supervisor one time out od the hand fulls od time that I contacted them. The supervisor reviewed my account, stated that I was right, then her service cut out. I never got a call back. I have been unsuccessful in contacting anyone above a representative at sst regarding my savings account that should be released by 03/24/23, per my contract.

  Business Response

  Date: 04/03/2023

  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.
  Our records reflect that on November 25, 2021, ********* **** entered into and signed for a ******
  Borrow & Grow Plan, Savings-Secured Loan (“the Contract”); financing $2,667.00 with **********
  ********** ***., doing business as ****** (“******”) and funded by ***** ***** ****. According to
  the Contract, *** **** agreed to make 50 bi-weekly payments of $70.00, beginning on December 18,
  2021, with one final payment of $42.91.
  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 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
  $1,671.97, were released to her on March 29, 2023.
  If *** **** has any further questions or concerns, she may contact SST Customer Service directly
  

• Initial Complaint

  Date:03/21/2023

  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 originally had a loan savings account with ****** who then sold my account to sst. The loan amount was 2000. I've paid it off and I am suppose to get my savings the rep told me in 22 calendar days. I paid it off February 23 2023 it is now March 21 2023 and I have yet to receive my money and the representatives for sst are giving me the run around. I've ask to speak with a supervisor and got hung up on twice
  I've called several times and I get different answers. My issue is still unresolved

  Business Response

  Date: 04/06/2023

  Our records reflect that on December 20, 2021, ******* ****** entered into and signed for a ******
  Borrow & Grow Plan, Savings-Secured Loan (“the Contract”); financing $2,000.00 with **********
  Financial, Inc., doing business as ****** (“*******) and funded by ***** ***** ****. According to
  the Contract, Ms. ****** agreed to make 34 bi-weekly payments of $70.00, beginning on January 7,
  2021, with one final payment of $58.88.
  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 ***** ***** **** 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
  $1,519.45, were released to her on March 29, 2023.

• Initial Complaint

  Date:03/21/2023

  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 received a loan through ****** which included a “borrow & grow” program that once paid off, would send me my savings account balance. ****** sold the contracts to SST under the same guidelines. Since I paid this account off, I was told (by 3 people) it would be 22 calendar days until I received my deposit. Today being the last day I haven’t received anything. I called SST and they told me that since they’re a ****, they do not operate on weekends. I asked if they meant 22 business days and she said no calendar days but to not include weekends. I want to know where my money is and why it hasn’t been paid out to me as promised.

  Business Response

  Date: 04/03/2023

  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.
  Our records reflect that on June 4, 2022, ******** ******* entered into and signed for a ****** Borrow
  & Grow Plan, Savings-Secured Loan (“the Contract”); financing $4,000.00 with **********
  ********** ***., doing business as ****** (“******”) and funded by ***** ***** ****. According to
  the Contract, Ms. ******* agreed to make 54 bi-weekly payments of $100.00, beginning on July 1,
  2022, with one final payment of $53.73.
  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 ***** ***** **** 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
  $2,507.35, were released to her on March 29, 2023.
  If Ms. ******* has any further questions or concerns, she may contact SST Customer Service directly