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:01/12/2023

  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 opened an account with ****** for $3000 and without my consent it was sold to this horrible service lender SST. I paid my balance on 12/19 so that I can close this account but I have yet to receive my money. ****** sent out an email informing me of the switch of companies and stated nothing else would change with my account but SST "process" is completely different from ****** and they will not give me a date on when my money will be issued to me. Ive spoken to over 10 agents/supervisors in the past month with them all giving me different false hopes. SST had no issues withdrawing from my account but having many issues putting the money back in my account. I just want this account to be closed ASAP and my money ASAP!

  Business Response

  Date: 01/31/2023

  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 28, 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, *** ******* agreed to make 39 bi-weekly payments of $95.00, beginning on August 12,
  2022, with one final payment of $41.45.
  As a New Jersey Chartered, FDIC insured bank, ***** ***** **** (“Bank”) offers credit products
  through its strategic marketplace lending platform partners, including ******, pursuant to its bank
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The Bank 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 Bank.
  A portion of the Loan funds were deposited in a Savings Account held by ***** ***** ****. On or
  about December 5, 2022, ****** transferred servicing of the Signature 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 ***** ***** **** remains open. SST has informed ***** ***** **** *** *******’ account has been
  paid in full. Please allow fourteen days for the funds to reflect in her account.
  If *** ******* has any further questions or concerns, she may contact SST Customer Service directly
  

• Initial Complaint

  Date:01/12/2023

  Type:Product 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 opened an account a buy and grow plan with ****** back in March of 2021. Now when I first signed up with ****** my loan was 1300 I believe I received half and the other half was out in a savings. My payments was $40 bi-weekly. Once the loan was paid I was to receive my savings in 5 to 7 business day by direct deposit to my checking account I have on file. Well in December I get an email that my account was transferred to a company called SST, which I didn’t like because I had 3 Payments left before it was transferred. Well last week I paid off my loan and SST is telling me that’s it’s going to take 30 days to send me my savings. I don’t think that’s right when my original plan said 5 to 7 business days. Now I think they don’t intend on sending me my savings. It took me 3 years to pay that off and now I want my savings sent to me ASAP. If I knew it was going to take 30 days then maybe I wouldn’t be upset. They didn’t tell me anything about what stipulations their company has it anything. So I want my money and not in 30 days. What can I do.

  Business Response

  Date: 02/02/2023

  BBB of Greater Kansas City
  8080 Ward Parkway, Suite 401
  Kansas City, MO 64114
  Re: Case # ******** * ****** *******
  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 March 7, 2021, Angela Simmons entered into and signed for a ******
  Borrow & Grow Plan, Savings-Secured Loan (“the Contract”); financing $1,300.00 with **********
  ********** Inc., doing business as ****** (“******”) and funded by ***** ***** ****. According to
  the Contract, *** ******* agreed to make 39 bi-weekly payments of $40.00, beginning on March 26,
  2021, with one final payment of $11.57.
  As a New Jersey Chartered, FDIC insured bank, ***** ***** **** (“Bank”) offers credit products
  through its strategic marketplace lending platform partners, including ******, pursuant to its bank
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The Bank 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 Bank.
  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 ***** ***** **** remains open with a balance of $667.06 as of January 12, 2023. Her Loan
  balance was paid and SST has notified ***** ***** **** to release the Savings Account funds to her.
  If *** ******* has any further questions or concerns, she may contact SST Customer Service directly
  at ***** *********
  Very truly yours,
  * ***** *******
  Compliance Officer
  Systems & Services Technologies,
  

  Customer Answer

  Date: 02/02/2023

  [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,
  
  ****** *******  i have yet to receive my money. I paid off my loan and I have called and they told me they were working on it! Please just send me my money. I paid my loan off on Jan 10th. A check should of been to me by now and I don’t want to wait any longer. If I known that they was going to hold my money and not send it when I paid off my loan then I would of never paid it off early. Please send me a check ASAP 

• Initial Complaint

  Date:01/11/2023

  Type:Order 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 recently paid off my borrow and grow loan with ****** - this loan disperses
  1/2 the amount you borrowed and the remaining balance is
  locked in a savings account that will be released once it is paid
  off. This loan was paid on 27Dec2022 in FULL. Prior to paying it
  off I received notice that my account was being "serviced" by a
  "trusted partner" SST. Not only was this breach of contract but
  they sold my information without my consent. Now I am in limbo
  in trying to receive my savings. I called ****** to get things sorted
  out but instead I get transferred to SST. It's been extremely
  frustrating trying to get anyone that knows what's going on and
  how this process works. Instead I get hung up on and have to call
  back. I initially had to provide my bank account and routing
  number only to call back 2 times today to let me know that the
  check would be mailed(?) - Thats not part of my agreement either.
  I see I'm not the only one here this is happening to, and sounds
  like a class action lawsuit.

  Business Response

  Date: 01/26/2023

  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 May 15, 2022, *** ******* entered into and signed for a ****** Borrow &
  Grow Plan, Savings-Secured Loan (“the Contract”); financing $4,500.00 with ********** *********,
  Inc., doing business as ****** *********) and funded by ***** ***** ****. According to the Contract,
  *** ******* agreed to make 82 bi-weekly payments of $80.00, beginning on June 08, 2022, with one
  final payment of $3.76.
  
  As a New Jersey Chartered, FDIC insured bank, ***** ***** **** (“Bank”) offers credit products
  through its strategic marketplace lending platform partners, including ******* pursuant to its bank
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The Bank 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 Bank.
  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, the Savings Account
  funds in the amount of $2,005.81 were released to him on January 13, 2023.

• Initial Complaint

  Date:01/09/2023

  Type:Product 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 got a loan for 4000 dollars last year,the agreement with the deal was I only got 1500 cash up front then the other 2500 goes into saving until I paid the loan off,I paid the loan off December 6 2022 and I have called them number of times when they will release my money and they keep saving they don’t have a timeline when I will get my money that they owe me

  Business Response

  Date: 01/26/2023

  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 April 18, 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, *** ****** agreed to make 29 bi-weekly payments of $160.00, beginning on May 5,
  2022, with one final payment of $111.15.
  
  As a New Jersey Chartered, FDIC insured bank, ***** ***** **** (“Bank”) offers credit products
  through its strategic marketplace lending platform partners, including ******, pursuant to its bank
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The Bank 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 Bank.
  
  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, the Savings Account
  funds in the amount of $2,507.28 were released to him on January 13, 2023.
  

• Initial Complaint

  Date:01/08/2023

  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.

  BBB, back on 7/21/22 I opened a borrow and grow plan with a company called ******* The terms of the loan were as follows for a $3000 loan:
  $750 is what I received upfront and I would continue to make a $95 payment every 2 weeks which would then be deposited into a dedicated savings. Once I had paid off the loan, $2,250 that had been put into my savings account would be paid to me. I liked ****** as a company and had no issues with the loan. Then one day, I got an email that my account was no longer going to be handled through ****** and had been transferred to a different lender called SST (systems and services technologies, Inc). I have since called both ****** and SST for a copy of my contract but no one is able to provide it to me which is unsettling. The SST website is vague and doesn't provide any information on where my payments are actually going. I have paid three different payments so far of $95 and my principal hasn't gone down at all. In fact, it has increased. I'm asking for help to resolve the issues with my payments and to obtain a copy of my contract so that I am no longer left in the dark with my loan. Thank you for your help.

  Business Response

  Date: 01/25/2023

  Please see attached response.

  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 21, 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, *** ******** agreed to make 39 bi-weekly payments of $95.00, beginning on August 6,
  2022, with one final payment of $45.28.
  As a New Jersey Chartered, FDIC insured bank, ***** ***** **** (“Bank”) offers credit products
  through its strategic marketplace lending platform partners, including ******, pursuant to its bank
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The Bank 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 Bank.
  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 remain unchanged. Her Savings Account at
  ***** ***** **** remains open with a balance of $2,256.32 as of January 12, 2023, and will be released
  to her when the Loan is paid in full.
  *** ******** is currently showing due for her February 4, 2023 payment of $95.00. *** ******** has
  made four payments with SST since the transfer. A copy of her loan contract and transaction history is
  being mailed to her home address on file. SST has not assessed any fees nor is it credit reporting at this
  time.
  Page 2 of 2
  If *** ******** has any further questions or concerns, she may contact SST Customer Service directly
  at ***** *********
  Very truly yours,
  * ***** *******
  Compliance Officer
  Systems & Services Technologies,

  Customer Answer

  Date: 01/25/2023

  [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:01/06/2023

  Type:Order 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.

  SST ACCT #* ********
  
  On May 18th, I opened a Borrow and Grow account with ****** for $4000. $1500 was deposited in my bank account immediately and $2500 was held in a locked savings account to be released to me once my account had been paid in full. On November 23rd, I sent a cashiers check to ******'s mailing address *** ****** **** *** ****** *** ********** ** ********** for the amount of $3691.72. On December 3rd, I received an email that ****** was transferring their loans to a company called SST on December 5th. I attempted to call ****** to confirm that they had received and processed my payment and were in the process of sending my savings amount. Unfortunately, by December 3rd, they had already shut their phone lines and email accounts down barring their customers from contacting them, having all communications be forwarded to SST. I called SST on December 5th and explained to the customer service representative that I had sent the payoff check to ****** on November 23rd and wanted to confirm that the payment was listed on my account. He advised me that ****** had received the check but didn't forward it to SST but they were in the process of doing so. He advised me to give it some time or have the original check canceled and then have a new check sent to SST. I decided to give it some time to see if ****** would forward the payment so my account would be paid off and closed, but that never happened. I called SST again the following week on December 13, 2022 and spoke with ****** ****** who asked me to send the receipt for the check that was sent to ****** on November 23rd, which I did. However, this did nothing to assist in closing my account. On December 20th, I had the original check canceled and sent a new check overnight for the same amount as the original check, $3691.72. I spoke with ******* ** who advised me that once the check was received, any accrued interest would be removed from and my account would be closed. The payment was processed and applied to my SST/****** account on December 22nd, but the interest wasn't removed until December 30th. I called the company again on December 28th to inquire why the interest hadn't been removed from my account yet and where in the process they were with closing my account. I also asked that instead of my savings being sent by check, that they do a bank transfer and deposit the funds directly into my bank account. The CSR documented my account and routing number and stated that the funds would be direct deposited into my account and that the once the interest had been removed. The interest wasn't removed from my account until December 30th. I called again on January 3, 2023 to confirm that the funds would be deposited in my account soon and was told that I would receive them in 7-10 days from January 3rd. I advised the CSR that I needed the funds sent to me no later than January 6, 2023 as the situation has caused financial issues since it wasn't handled properly by ******. I called again on January 5th to speak with a supervisor to confirm what I was told was correct information but the supervisor left me on the phone for 20mins and then hung up. I called again on January 5th to speak to another rep who told me that my account is due to close on January 14th and that the funds would be deposited 7-10 days from that date. I requested a supervisor to which they claim no one was available, but they would have them call me back, but no one ever did. I called again today, and was told it would take 30 days (they weren't able to tell me from what date the 30 days begin) and that they can't promise I'll receive the funds any time soon. I want to know exactly when I will receive my funds in my bank account as I have paid my account in full as of December 22nd.

  Business Response

  Date: 01/25/2023

  Our records reflect that on May 18, 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,
  *** ****** agreed to make 55 semi-monthly payments scheduled for the fifth and twentieth of $100.00,
  beginning on June 5, 2022, with one final payment of $82.72.
  
  As a New Jersey Chartered, FDIC insured bank, ***** ***** **** (“Bank”) offers credit products
  through its strategic marketplace lending platform partners, including ******, pursuant to its bank
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The Bank 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 Bank.
  
  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 her Savings Account
  at ***** ***** **** remained open with a balance of $2,507.29 as of January 12, 2023. *** ******
  has paid off the Loan and the funds were released on January 19, 2023.

• Initial Complaint

  Date:01/06/2023

  Type:Product 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 a ****** "Borrow and Grow" loan which has been transferred to SST. The original terms of this loan is I would be lent $4000, $2000 which goes to me immediately, and the other $2000 into a savings account which I can access after paying off the loan. I've paid off the loan TWICE on 12/21/2022 which they then added an additional $80 so it wasn't paid off, and then again on 12/29/2022. I've asked how I can access the $2000 in the savings account and no one can give me a straight answer. I've called everyday since 12/29 and emailed a handful of times with no luck. I want my $2000 that is in the Savings Account sent to me immediately as detailed in the contract! And also a letter that my account has been paid off.

  Business Response

  Date: 01/25/2023

  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 May 16, 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, ***** ***** agreed to make 72 bi-weekly payments of $80.00, beginning on June 10,
  2022, with one final payment of $78.14.
  As a New Jersey Chartered, FDIC insured bank, ***** ***** **** (“Bank”) offers credit products
  through its strategic marketplace lending platform partners, including ******, pursuant to its bank
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The Bank 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 Bank.
  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 remain unchanged and the Savings
  Account at ***** ***** **** remains open with a balance of $2,005.83 as of January 12, 2023. Once
  the Loan balance was paid, ***** ***** **** was notified to release the funds.
  Due to the public forum for all BBB responses, additional documentation is not attached to this
  response. On January 17, 2023, SST advised borrower that the Paid in Full letter will be sent to the
  email address it has on file.
  If ***** ***** has any further questions or concerns, he/she may contact SST Customer Service
  directly at ***** *********
  Very truly yours,
  * ***** *******
  Compliance Officer
  Systems & Services Technologies,

• Initial Complaint

  Date:01/06/2023

  Type:Product 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 started a loan with ****** loans for 2667 and had a savings account too. I was paying $70 every 2 weeks. I paid it off on December 26 and on December 29 they took out 70 again. I called and they said they would refund the 70. Well it is January 6 and no refund. I also asked about my 1671 savings and they were rude and said I would have to wait 30 days for a check which I don't believe

  Business Response

  Date: 01/25/2023

  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 March 29, 2022, ***** ****** 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 April 21,
  2022, with one final payment of $55.94.
  As a New Jersey Chartered, FDIC insured bank, ***** ***** **** (“Bank”) offers credit products
  through its strategic marketplace lending platform partners, including ******, pursuant to its bank
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The Bank 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 Bank.
  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 with a balance of $1,671.86 as of January 12, 2023. His Loan balance
  has been paid off and ***** ***** **** has been notified to release the Savings Account funds.
  *** ******’ Account was showing an overpayment of $140.00 which SST has refunded to him as of
  January 20, 2023. SST has not assessed any late fees nor is it credit reporting at this time
  If *** ****** has any further questions or concerns, he may contact SST Customer Service directly
  

  Customer Answer

  Date: 01/25/2023

  [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:
  
  I called about my savings and one person told me I would get them in 6 days and another told me I would get them in 30 days and when I called ***** ***** **** no one would help me and I never received any email about my savings 
  
  Regards,
  
  ***** ******

  Business Response

  Date: 02/06/2023

  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 the terms and conditions of *** ******’ Loan Account remained unchanged
  and his Savings Account at ***** ***** **** remained open. Once his Loan balance was paid, the
  Savings Account funds in the amount of $1,671.86 were released to him on January 19, 2023 to
  account ending in *****
  *** ******* Account is reflecting a zero balance.
  If *** ****** has any further questions or concerns, he may contact SST Customer Service directly

  Customer Answer

  Date: 02/06/2023

  [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: I called back and spoke with ****** after January 19th  and told her I have not received the funds 
  
  Regards,
  
  ***** ******

• Initial Complaint

  Date:01/04/2023

  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.

  I had a loan with ******, it was an easy going company that was nice to work with. We had 10 days before a late fee would be charged, they left you alone, and when you made a payment it actually went through.
  They sold my loan to SST. I had no dealing with them previously and did not agree to a new loan servicer.
  SST is TERRIBLE. They call me non-stop EVEN WHEN IM CURRENT. They call at late hours of the night when I should be sleeping but get woken up by them, screwing up my sleep schedule. I made two payments last week, only one went through yet my account was charged for two, and they don’t see it. They instantly give late fees even though they are SUPPOSED to hold ******’s terms, which is 10 days without a late fee.
  I can’t get anyone on the phone who speaks English as a first language, so I can never get straight answers as they don’t understand me and I don’t understand them. ****** was always easy to talk to.
  I call them on the phone and they’ll tell me everything has been taken care of, we see both payments, now they can’t see one and I’m hit with a late fee and out the money for that additional payment.
  They are an awful company with 0 respect for customers. I hate that ****** switched me over to them. Is there anything I can do about this? I do not want to do business with such a lying, uncaring, relentless, and down right annoying company, that I have no contract with.
  On top of all of this, I have no idea where the “savings” I’m paying for even is anymore? Is it ******, is it SST, who knows, lack of information on their part.
  I have already paid back what they gave me up front, so now I’m just being harassed to pay back money that they fucking have, I don’t have access to yet or even know where it is.
  I will NEVER do business with EITHER company again after this!!!!!!

  Business Response

  Date: 01/19/2023

  Re: Case # ******** * ****** ******
  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 21,2022, ****** ****** 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, *** ****** agreed to make 49 bi-weekly payments of $80.00, beginning on
  July 8, 2022, with one final payment of $32.25.
  As a New Jersey Chartered, FDIC insured bank, ***** ***** **** (“Bank”) offers credit products
  through its strategic marketplace lending platform partners, including ******, pursuant to its bank
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The Bank 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 Bank.
  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. His Savings Account at
  ***** ***** **** remains open with a balance of $2,005.79, as of January 12, 2023. Once the balance
  is paid, the Savings Account funds will be released to him.
  *** ******** account currently shows a total of $95.00 due on or before January 27, 2023. This
  consists of a late fee of $15.00 as assessed by the prior servicer, plus the current payment of $80.00.
  *** ****** made three WebPay payments with SST since the transfer. SST has not assessed any
  If *** ****** has any further questions or concerns, he may contact SST Customer Service directly
  at ***** *********
  Very truly yours,
  * ***** *******
  Compliance Officer
  Systems & Services Technologies,

• Initial Complaint

  Date:01/04/2023

  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.

  In August 2021 I started a Borrow and Grow plan loan through ****** in the amount of $4,000. $1,500 deposited into my account and the remaining $2,500 to be paid in $100 bi-weekly payments. I made all of the payments on time. I received an email letter dated December 6, 2022 notifying me that my loan would no longer be serviced by ****** and the new servicer would be SST (Systems and Services Technologies, Inc.). A new account number of ******** was provided. My next loan payment was due on December 15, 2022. At approximately 6:27am I logged into my online account and requested a payoff amount. I was given the amount of $1,676.02. At approximately 6:29am I paid the requested amount. I logged into the account on December 16, 2022 to see if my account updated reflecting the payment. I called and was told the account had a balance of $1.14. I explained it should not. I was told the account would be cleared and that I would receive my funds in my checking account I used to make the payment with. On December 30, 2022, I called because I had not received my funds and was told by ****** ****** funds had not been sent because I still had a balance on my account of $1.14. I then asked for a supervisor which I never received. After being on hold for almost 15 minutes, hanging up and calling back, I spoke to ****** a 2nd time and he said he spoke with his supervisor and went through the same spiel stating that it would be cleared and I could expect to receive my funds within 7-10 business days. Today, January 4, 2023, I logged into the account and it still showed a balance of $1.14. I called and spoke with a ******* and was told I owed $1.14 and I had to wait for the system to clear it or pay the balance. I explained I do not have a balance. At this point, I want my funds to be returned expeditiously. We are told our funds would be returned 5-7 business days after payoff. The run around is ridiculous and I am furious that my money is being held hostage.

  Business Response

  Date: 01/19/2023

  Re: Case # ******** * ********* ******
  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 15, 2021, Katherine Murphy 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 51 bi-weekly payments of $100.00, beginning on September
  9, 2021, with one final payment of $17.71.
  As a New Jersey Chartered, FDIC insured bank, ***** ***** **** (“Bank”) offers credit products
  through its strategic marketplace lending platform partners, including ******, pursuant to its bank
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The Bank 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 Bank.
  A portion of the Loan funds were deposited in a Savings Account held by ***** ***** ****. On or
  about December 5, 2022, ****** transferred servicing of the Signature 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 her Savings
  Account at ***** ***** **** remained open. Once her Loan balance was paid, the Savings Account
  funds in the amount of $2,517.47 were released to her on January 5, 2023.
  Page 2 of 2
  If *** ****** has any further questions or concerns, she may contact SST Customer Service directly
  at (**** *********
  Very truly yours,
  * ***** *******
  Compliance Officer
  Systems & Services Technologies, In