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:02/12/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Systems & Services Technologies. I do not have a contract with Systems & Services Technologies, they did not provide me with the original contract as I requested.

  Business Response

  Date: 02/21/2025

  Please see the 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. Please know that SST has no ownership in this Account and does not purchase loans; it is merely the servicer. Consumer permission is not required to change servicers. The changing of a servicer does not discharge the debt. Having researched this matter, please be advised of the following:
  On November 6, 2017, you, L**** *****nt, signed an agreement for a M***** ** ******* ***** **an (“the Contract”) financing $9,000.00. According to the Contract, you agreed to make 47 monthly payments of $271.43, and one final payment of $265.73 (estimated), beginning on December 20, 2017. There were payments made on the account with Goldman Sachs from December 20, 2017, up until October 28, 2019.

  Business Response

  Date: 03/10/2025

  As mentioned before, this account had been outsourced to Zwicker prior to the the transfer with SST, therefore no payments were made to SST. Also, a Validation of Debt was sent to the address on file This account has been closed with SST and has been outsourced to the vendor Zwicker, who can be reached at 1*************. We encourage you to reach out to them concerning any questions you might have about your account..

  Customer Answer

  Date: 03/10/2025

   
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID *******2, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ***** *******

• Initial Complaint

  Date:02/08/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally dispute an account listed on my credit report associated with SST dated January 8, 2018 (Account Number: PL0100XXXXXXX). I am a victim of identity theft, and this account was fraudulently opened without my knowledge or authorization.
  
  I have filed an official complaint with IdentityTheft.gov regarding this matter and have enclosed copies of the filed report along with this letter for your reference.
  
  I kindly request that the BBB investigate this fraudulent account and take the necessary steps to rectify the situation. I would appreciate a confirmation of receipt of this dispute and an update on the progress of the investigation.
  
  Please find enclosed:
  
  A copy of my IdentityTheft.gov report.
  
  A copy of my credit report highlighting the unauthorized account.
  
  A copy of my government-issued ID for identity verification.
  
  Thank you for your prompt attention to this matter.

  Business Response

  Date: 02/19/2025

  Please see the attached response please. Thanks in advance.On January 8, 2018, you, ***** *****ri, signed an agreement for a Marcus by Goldman Sachs loan
  (“the Contract”) financing $25,000.00. According to the Contract, you agreed to make 36 monthly
  payments of $794.87, beginning on January 31, 2018. There were payments made on the account with
  Goldman Sachs from January 31, 2018, up until August 27, 2020.
  On December 9, 2023, the Account was transferred to SST. Consumer permission is not required for
  transferring loan servicers. The creditor was not changed by the transfer.
  At the time of transfer, the Account had a balance of $6,820.25 and was already charged off. This account
  had been outsourced to Zwicker at the time of SST was transferred the account, so no payments were
  made to SST. Then the account systematically moved to Radius

• Initial Complaint

  Date:02/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a loan with ***ly with an agreed upon 16.99% interest rate. My loan was transferred to SST. My interest rate is now 26.99% and they charge a daily interest fee of $4 per day. Every payment I've made thus far to SST has only been applied to "interest". I've called numerous times requesting a document stating the total amount of interest they are charging me each month and how they are applying my payments. They keep saying they'll send me a detailed statement in 24 to 48 hours and I never receive it! I have currently made 4 extra payments in less than a months time and my balance remain the same! This business is ripping people off! Please advise with how to handle this.

  Customer Answer

  Date: 02/15/2025

   
  ********** ********
  
  
  
  I am rejecting this response because: The company still refuses to give me a detailed bill showing the exact amount of interest I am being charged per month and the exact amount of how my payments are being applied. I had to contact BBB just to get the information that was shared through their response and they are still not giving me the information I requested. My December payment was late because I kept calling them asking why did my interest rate change as I had paid the annual extra membership fee for the discounted interest rate of 16.99%, the representative stated "That's why Tally went out of business." I called numerous times asking for a detailed bill showing the exact amount in writing of the interest being charged on my account each month because every time I've contacted this business they gave me a different answer. I informed them I did not trust them and I needed to see how they're billing me in writing. They kept saying they would send me something in writing via email within 48 hours but never followed up. I've called this company multiple times regarding this. I went ahead and paid my December bill because I did not want it to go into default. I deserve to know where my money is going, I'm not understanding why this company can take my money but not give me a detailed description into where it's going. This is the only company that I know that refuses to do this. It is unacceptable and seems predatory. If you read the business's response, they used words like "most likely" that's unacceptable. Give me a written detailed bill of what you are charging me and how you are applying my payment. I stand by my statement this business need to be investigated and shut down. 
  
  
  
  Sincerely,
  
  
  
  ******** ******

  Business Response

  Date: 02/21/2025

  Please see attached letter. We appreciate the opportunity to respond to the above-referenced complaint your office brought
  to our attention. Systems and Services Technologies, Inc. (“SST”) is a loan servicing and payment
  processing company that is committed to resolving customer service issues in a cooperative and
  expeditious manner.
  We’ve completed our review of the account in question and found the following:
  As stated in our previous response of February 14, 2025, on September 11, 2022, Mrs. Tucker,
  signed an agreement with Cr*** ***** Bank c/o Tally Technologies, Inc, for a line of credit in the
  amount of $6,000.00 with an initial interest rate of 23.99% which could vary with the market based
  on the Prime Rate. She agreed to the terms and obligations outlined in the contract, which state
  that in the event of a servicing change, her line of credit will be closed. She will then be required
  to make equal monthly payments of principal and interest that fully amortize her T**** **** of
  Credit over a five-year period.
  Unfortunately, we cannot provide a detailed bill showing the exact amount of interest being
  charged each month, as the interest and principal amounts fluctuate depending on the payment
  date. This is a common structure with amortizing loans, where more of the payment goes toward
  principal over time as the balance reduces.
  Please refer to the terms of the agreement, which state that in the event of a servicing transfer the
  Discount Program will no longer be available.
  As the account has been transferred to a new servicer, this APR discount is no longer applicable.
  We regret any confusion this has caused.
  As of February 21, 2025, the estimated payoff on your Signature Loan is $5,127.26, and the daily
  interest amount is $3.79. Moving forward, as the principal decreases, a larger portion of each
  payment will go toward reducing the principal balance.

• Initial Complaint

  Date:02/03/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  SST is a scam company. They do not provide a website link that works and the only way they want you to pay is via phone without seeing any account information. They are reporting an incorrect balance that was provided by Tally and have received multiple complaints. They cannot provide any legitimate source of information and need to be shut down.

  Business Response

  Date: 02/12/2025

  Please see attached letter. We appreciate the opportunity to respond to the above-referenced complaint your office brought
  to our attention. Systems and Services Technologies, Inc. (“SST”) is a loan servicing and payment
  processing company that is committed to resolving customer service issues in a cooperative and
  expeditious manner.
  According to our records on May 26, 2022, Mrs. Schaffer, signed an agreement with Cross ***** **** *** ***** ****nologies, Inc, for a line of credit in the amount of $4,000.00 with an initial
  interest rate of 23.99% which could vary with the market based on the Prime Rate. She agreed to
  the terms and obligations outlined in the contract, which state that in the event of a servicing
  change, her line of credit will be closed. She will then be required to make equal monthly
  payments of principal and interest that fully amortize her Tally Line of Credit over a five-year
  period.
  Tally ceased operations in early September 2024 and transferred all open accounts to SST for
  servicing purposes Prior to the transfer, Tally sent a Truth-In-Lending Disclosures showing her,
  her balance at the time of transfer of $2,883.72 with a fixed interest rate of 24.99% and a minimum
  payment required of $84.62 due on September 28, 2024. Tally sent two notifications to each
  consumer regarding the transfer. SST additionally sent a welcome letter that included payment
  option instructions including an “Authorization to Debit Account” form to initiate electronic debit
  entries and authorize SST, and provided information about how she can self-serve her account on
  our website, www.accountinfo.com.
  Our research indicates there were no subsequent payments made on the Account after the transfer.
  Please note her payment was due on September 28, 2024, in the amount of $84.62. Once the
  payment was missed, SST attempted to contact her to bring her current. Because Mrs. Schaffer
  failed to make any payments on the account, it was charged off on January 31, 2025, and it’s in
  the process of being placed with a collection agency. 

  Business Response

  Date: 02/17/2025

  As mentioned before, SST sent a welcome letter that included payment option instructions including an “Authorization to Debit
  Account” form to initiate electronic debit entries and authorize SST, and provided information about
  how she can self-serve her account on our website, www.accountinfo.com. At that time the Mrs. Sc*****r would have been able to make payments accordingly. SST's website and account information are secured in accordance with best practices in the industry. The website no longer works because Mrs. Sc*****r failed to make any payments on the account, and account was charged
  off on January 31, 2025. At this time, we can only take a full payment for the payoff amount. 

  Customer Answer

  Date: 02/21/2025

  
  
  Complaint: 22****26
  
  
  
  I am rejecting this response because:

  1. I contacted SST and asked them to provide a valid website for me to pay my balance multiple times. 
  2. I was told to refer to an email that had an accountinfo website in order to pay. When I told them this website is not valid and does not result in anything, they told me that the wrong website was provided to everyone and that I can pay over the phone. I asked what’s the correct website and the agent could not provide a website. 
  3. This company, if it was real, should have a legitimate website where I could see my account info, balance, and keep record of when the account was paid off. I should not have to speak to an agent who could not verify anything. 
  

  this company is a scam. 
  
  
  
  Sincerely,
  
  
  
  Le**** ******er

• Initial Complaint

  Date:01/31/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company is trying to collect money from me for a tally account which i paid off. I found out about thir balance/account when it showed up on my credit report 60 days late.
  
  Since it showing up on my report and me finding out about it I've called and spoken to multiple reps. First 2 calls being for information and the next to resolve it.
  
  3rd call, I informed the rep, just like with the 2nd one, that I had paid off the account. He asked me to send an email to "cu****************************m" with the account number *********49 and a screenshot from my banking app showing the payment, which I did on 1/24/25. I also requested information to verify the debit, and I was told it would be emailed to me, but I never received anything
  
  The next call was from them trying to collect. I told the rep the account was paid off and that I had sent the requested email.
  
  Next, communication they called again to collect. I explained the situation, and the rep advised me to make a min payment pending investigation, assuring a refund. I paid $180.28 over the phone, and it was successfully drafted from my account.
  
  Next, communication I called for an update on the email I sent, as the rep’s timeframe had passed. As of 1/31/25, I haven’t received a response. The woman I spoke to focused more on collecting payment rather than resolving the issue at hand. It became clear they only intend to collect money from m* * **rk the account as paid with no rectification regarding account paid being paid already or late reporting. She also suggested I contact my bank for a refund, claiming they cant get it from Tally…
  
  Throughout my communication with this company, I’ve been fully willing to resolve this issue. Their reporting is negatively impacting my credit, and I even offered to make a full payment pending investigation of payment so status isn’t worsen.

  Business Response

  Date: 02/10/2025

  Please see attached letter. We appreciate the opportunity to respond to the above-referenced complaint your office brought to our attention. Systems and Services Technologies, Inc. (“SST”) is a loan servicing and payment processing company that is committed to resolving customer service issues in a cooperative and expeditious manner.
  According to our records on May 8, 2023, Mr. ******n, signed an agreement with C**** ***** ***k c/o Ta*** Technologies, Inc, for a line of credit in the amount of $2,000.00 with an initial interest rate of 16.99% which could vary with the market based on the ***** ****. He agreed to the terms and obligations outlined in the contract, which state that in the event of a servicing change, his line of credit will be closed. He will then be required to make equal monthly payments of principal and interest that fu*** amortize his Ta*** Line of Credit over a five-year period.
  Ta*** ceased operations in early September 2024 and transferred all open accounts to SST for servicing purposes Prior to the transfer, Ta*** sent a Truth-In-Lending Disclosures showing him, his balance at the time of transfer of $1,804.01 with a fixed interest rate of 17.24% and a minimum payment required of $45.07 due on September 9, 2024. Ta*** sent two notifications to each consumer regarding the transfer. SST additiona*** sent a welcome letter that included payment option instructions including an “Authorization to Debit Account” form to initiate electronic debit entries and authorize SST.

  Customer Answer

  Date: 02/10/2025

  
  
  C********* ******68
  
  
  
  I am rejecting this response because:

  I paid off my tally account. I spoke to multiple reps and I told them this. They asked me to send proof that I paid it off via a screenshot of my banking app and I did that. I sent the email to cust***************************. I even attached that proof when I filed the complaint.

  Also you guys did not have my correct address I sent proof of residency(a lease) showing that I haven’t lived at the address you guys had so I received no communication of this situation and only became aware of it when it showed up on my credit.. 

  Regarding me not making a payment Feb 9th your reps told me to pay the $131 which was a min payment at the time and I would be refunded my $131 once you guys investigate this. I have all phone calls recorded, from what I was told this should have been resolved by now.
  

  At this point I have no idea what to do I’m trying to resolve this situation amicably and get this taken off my credit. From your response it’s clear that this matter isn’t being looked into. I would like to pay the account off in full and receive my money bank from Tally please tell me if that’s an option. 

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

  Customer Answer

  Date: 02/21/2025

  
  
  Complaint: *******8
  
  
  
  I am rejecting this response because:
  I’ve spoken to reps about this since the day I found out about it when it showed up on my credit weeks ago. They asked me to email in info and said they were investigating. I spoke to a rep twice who advised me to get the money back from my bank through some means. 
  

  Please do let me know what to do, based on what I was told by another rep when I made that $130 payment it would have been refunded after the investigation now another payment is do I don’t know if I’m suppose to pay it or not.

  As I’ve said before I’m more than capable of making a full payment. I would like to make a full payment and be clear with you guys while you guys sort this out with tally as I’d like to get this resolved immediately and removed off my credit. I just need assurances that I’ll be refunded by you guys or tally afterwards and that this will be removed off my credit.

   

  
  
  
  Sincerely,
  
  
  
  T**** ******n

• Initial Complaint

  Date:01/30/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally express my dissatisfaction with SST’s handling of my account and recent payment.
  
  Transaction Date: September 2024
  Payment Amount: Payoff amount provided via SST-administered form
  Payment Method: Transfer from another bank
  SST made an error in my email address, preventing me from receiving critical updates. Despite confirming my correct email (which I’ve had for 7+ years), the supervisor later read back an incorrect version. Customer support was dismissive and unwilling to help.
  
  My debt was transferred from Tally to SST, and since then, support has been lacking. I paid over $3,000, expecting to clear my balance, yet SST refuses to adjust a remaining $124, citing daily interest charges from September 25-30—despite processing my payment within that timeframe. It is unreasonable to assume I’d pay over $3,000 and deliberately leave $124 unpaid.
  
  The supervisor was argumentative, refused to escalate my case, and ultimately hung up on me. As a result, my credit has been negatively impacted due to SST’s mishandling.
  
  I request the following:
  
  A review of my account and resolution of the $124 charge.
  Removal of any credit marks caused by this error.
  A formal response addressing SST’s poor customer service.
  Please resolve this promptly. If no satisfactory response is received, I will escalate this matter further.

  Business Response

  Date: 02/07/2025

  Please see attached letter.According to our records on August 21, 2021, Mr. Roe, signed an agreement with C**** ***er 
  Bank c/o Tally Technologies, Inc, for a line of credit in the amount of $5,000.00 with an initial 
  interest rate of 18.99% which could vary with the market based on the Prime Rate. He agreed to 
  the terms and obligations outlined in the contract, which state that in the event of a servicing 
  change, his line of credit will be closed. He will then be required to make equal monthly 
  payments of principal and interest that fully amortize his Tally Line of Credit over a five-year 
  period.

• Initial Complaint

  Date:01/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Tally sold my account to SST when they closed in August 2024. I received multiple emails from both Tally and SST explaining the transition and that no changes needed to be made if autopay was already set up with Tally. I was provided my monthly payment total, and the email says it’s a fixed price for a five year term. I received a few emails and phone calls for the first payment and I assured them my account info was showing on their website, but called to provide the detail to customer service because there was no way to set up the account online at that time. I paid all monthly payments on time and wanted to check my balance to see if I could pay off my loan, but I noticed every payment was to interest only. I expected a detailed explanation of how my payment was applied to the interest and principal, but the customer service rep could not explain it and asked to recite a script, which also did not explain it. I asked to speak to a manager and he ignored that and continued on. There likely is no manager or customer service. I asked my balance and he had to recite a script first. Then he told me my balance, which was higher than their site I was looking at showed me. I am out several hundred dollars and no principal is paid down. He then recommended I pay a little more and provided an arbitrary amount that kept changing when he would try to explain. This is a very concerning situation as I had no ability to avoid this transfer of my account, but instead received the initial email from Tally explaining the new servicing company. Please help! I have made no progress and I don’t think this company has any intention of correcting their business practices.

  Business Response

  Date: 02/05/2025

  Please see attachedAccording to our records on May 16, 2022, Mrs. *******, signed an agreement with Cross River 
  Bank c/o Tally Technologies, Inc, for a line of credit in the amount of $6,000.00 with an initial 
  interest rate of 22.24% which could vary with the market based on the Prime Rate. She agreed to 
  the terms and obligations outlined in the contract, which state that in the event of a servicing 
  change, her line of credit will be closed. She will then be required to make equal monthly 
  payments of principal and interest that fully amortize her Tally Line of Credit over a five-year 
  period.

• Initial Complaint

  Date:01/21/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Back on October 3rd I reached out to this company to ask for a lower monthly payment because I had acquired medical bills due to breast cancer. The representative gladly helped me and said they could lower my payments to $250 from $450. Great Thanks! They collected a payment, and then set up an auto draft for me, so that I didn't have to worry about remembering to make payments every month. Great, one less thing I need to worry about. To make a long story short, they never fixed it on my file, and still show I owe $450 almost 4 months later! They are reporting to the credit bureau that I have had late payments, when I haven't and can't seem to fix it! Every time I call they say that I am on a "tracker" and they have no ETA on when it will be resolved. I signed the documents and it shows finalized on my end, but they said it still shows pending on their side. They had ruined my perfect payment history, and have reported late payments, due to no fault of my own! This company is a crock! DO NOT EVER GET A LOAN FROM THEM. OR IF YOU DO, MAKE SURE YOU NEVER ASK FOR PAYMENT ASSISTANCE HELP! THEY WILL SCREW YOU OVER, AND ACT LIKE THEY ARE HELPING YOU WITH NO RESOLUTION, EVER. THEY'RE A JOKE. I WANT MY CREDIT REPORT FIXED AND MY ACCOUNT REVERSED BACK TO CURRENT! SOMEONE NEEDS TO FIX THIS NOW.

  Business Response

  Date: 01/31/2025

  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.
  We’ve completed our review of the account in question and found the following:
  On January 16, 2021, ********* ***** signed an agreement for a ****** ** ******* ***** loan (“the
  Contract”) financing $20,000.00. According to the Contract, **** ***** agreed to make 60 monthly
  payments of $449.85, beginning on February 10, 2021. On or about December 9, 2023, the Account
  was assigned to Systems and Services Technologies, Inc. (“SST”) for servicing.
  At the time of servicing transfer to SST, the Account had a balance of $10,208.06. Further review of the
  account history indicates an ongoing Long Term Assistance Program (LTAP) inquiry and delay in the
  process dating back to November 2024. This has been communicated to **** ***** via a phone call
  with one of our managers. On December 16, 2024, **** ***** agreed to continue with the LTAP as we
  remediate the error. On December 30, 2024, one of our managers advised **** ***** we are working
  to update the credit reporting. We apologize for any inconvenience, but rest assure, we will be contacting
  you for further updates and assistance when allowed.
  If **** ***** has any further questions or concerns, she may contact SST Customer Service directly at
  ###-###-####.
  Very truly yours

  Business Response

  Date: 02/12/2025

  We apologize for the issues you have experienced, and assure you that we are diligently working to resolve them.  In order to prevent the potential of any adverse reporting, we will cease reporting your account while we work through these issues.  
  

  Customer Answer

  Date: 02/13/2025

  Instead of ceasing to report, because I just paid $1000 to get caught up to avoid anymore negative reporting… I am requesting that you reverse and fix the reporting of the late payments, because they weren’t actually late, as this has now made my credit score drop 75 points. I have a daughter trying to attend college and she is trying to get student loans, and I can’t co-sign anything to help her, because your company has ruined my credit. I just want my credit report fixed! You have reported 3 late payments to the credit bureau. I am requesting that this gets reversed immediately so my credit can be refurbished, and I can move on with my life. I guarantee any day now, if I don’t make the next Payment on time, I’ll be getting a call from your company to make a payment. Which is hilarious how quickly you attempt to get late payments, but aren’t quick to fix these errors on my account. Please fix my credit report. 

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

• Initial Complaint

  Date:01/20/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 12/6/24, I personally mailed SST a check in the amount of $8,388.93 based on a payoff quote received by SST. It was sent to the mailing address provided on the payoff quote. On December 20, SST withdrew a $526 payment from my checking account. I immediately logged online because I had assumed the account had been paid in full based on my check. There was nothing showing. I spoke with a representative on 12/24 (*********** *****) who indicated they had not received a check. On 1/7/25 I spoke with ******* ***** (the company who issued the check based on a home refinance). ***** indicated that the check to SST cleared their account on 12/24/24. I then called SST on 1/7/25 and spoke with ***** ******* who transferred me to ********* ***** - a supervisor. I explained the situation to ********* and she said that they would need to find out what happened because they still do not show they received the check. EVEN THOUGH IT CLEARED THE BANK THAT ISSUED IT ON 12/24/24. I explained to ********* that I am not making another payment to SST nor will I be charged for any interest beyond 12/24/24. I have heard nothing further from SST. I checked online on 1/14/25 to see if the account showed as clear. It did not. I then called SST again and spoke with ******* who kept finding reasons to keep me on hold while waiting to speak to a supervisor. After minutes 35 minutes, ********* came on the line and stated that in order to move this process along, I need to get proof to them. They requested the front and back of the check. Again, this check was not drawn on my account. It was off of a title companies business account. I am losing my patience. SST is charging me $1.49 PER DAY in interest. I believe they are doing this on purpose. They have lost interest money due to me paying off my account, so they are scamming me in order to continue to collect money from me.

  Business Response

  Date: 01/21/2025

  Please see attached

  Customer Answer

  Date: 01/21/2025

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

  Although SST has now cleared my account and do not show a balance owing for me, they have failed to address the additional money that was withdrawn from my account and is owed to me. They took an additional $526 and charged me $1.49 interest per day. I am requesting a refund of the money taken with an interest adjustment going back to 12/24/24.
  
  
  
  Sincerely,
  
  
  
  **** ****

  Business Response

  Date: 01/29/2025

  SST acknowledges receipt the check on 12/24/2024. The check was unmarked and we couldn't apply it. We didn't want to mistakenly apply the funds. **** **** sent us the copy of the check. We applied the funds after further review and **** **** will be receiving a refund in the amount of $483.31. 

• Initial Complaint

  Date:01/17/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Account was transferred from Tally technologies to SST without any authorization from the myself (the customer). Company is now harassing me multiple times a day and the $1179 I’ve paid thus far has not been reflected on my account balance.

  Business Response

  Date: 01/29/2025

  Please see attached.According to our records on November 10, 2020, Mrs. ****, signed an agreement with Tally Technologies, Inc, for a line of credit in the amount of $10,000.00 with an initial interest rate of 19.99% which could vary with the market based on the Prime Rate. She agreed to the terms and obligations outlined in the contract, which state that in the event of a servicing change, her line of credit will be closed. She will then be required to make equal monthly payments of principal and interest that fully amortize her Tally Line of Credit over a five-year period.
  Tally ceased operations in early September 2024 and transferred all open accounts to SST for servicing purposes Prior to the transfer, Tally sent a Truth-In-Lending Disclosures showing her, her balance at the time of transfer of $13,170.85 with a fixed interest rate of 25.24% and a minimum payment required of $393.14 due on September 11, 2024. Tally sent two notifications to each consumer regarding the transfer. SST additionally sent a welcome letter that included payment option instructions including an “Authorization to Debit Account” form to initiate electronic debit entries and authorize SST.
  Based on the Truth-In-Lending Disclosure provided, your balance at the time of transfer was $13,170.85, with a fixed interest rate of 25.24%. At the time of transfer, your interest was $283.56. Your first payment was due September 11, 2024.
  Here’s how your payments have been applied:
  1.
  Payment on 10/22/24: Your payment of $393.14 was applied first to cover the interest that had accrued since the transfer. This means part of your payment went toward the $283.56 interest, with the remainder being applied toward the interest that had accrued b

  Customer Answer

  Date: 01/29/2025

  
  
  Complaint: 22*****4
  
  
  
  I am rejecting this response because:
  
  
  
  Sincerely,
  
  
  
  ******** ****