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

• 

  SST Card Services

  PO Box 23060 Columbus, GA 31902

• 

  NCO Financial Systems, Inc.

  8025 Excelsior Drive Suite 200 Madison, WI 53717

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:01/16/2025

  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 don’t know where this charge is coming from. Tally was a service I used that then transferred my loan elsewhere without notice and no paperwork

  Business Response

  Date: 01/17/2025

  Please see attached. 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 July 14, 2021, Mrs. ****, signed an agreement with Tally
  Technologies, Inc, for a line of credit in the amount of $3,000.00 with an initial interest rate of
  22.99% 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.
  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 him,
  his balance at the time of transfer of $2,492.77 with a fixed interest rate of 28.24% and a minimum
  payment required of $79.31 due on September 14, 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.
  Please be advised further that SST has no ownership interest in your account or any of your
  information and the interest rate on your account was not changed by SST.
  Mrs. C****s current balance is $2,492.77. Her next payment is due on February 14, 2025. Mrs.
  **** may log in via our website at w*****************m to access his account and view his
  current balance.
  If Mrs. **** has any additional ********* ** ********* ****** ******* ******** ******* ** ***** ********* ****** ** **** ****** ** ** ***** **** * **** ************** ****** *** ****** ***** ** ****** ** ****** ****** * ****** *** ****** ** ******* ******** ******* ******** *****

• Initial Complaint

  Date:01/15/2025

  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.

  My account was originally a loan with ****** ** ******* ***** with a monthly payment program.This was loan was bought out by SST and since then, I've called them several times in a 13 month period to fix these issues: My payment plan was around $100 a month with ****** and SST was trying to tell me it was over $200. Then, after proving this, they never fixed this in the system. My credit reports are all saying that they have closed my account and that I am behind on payments even though I have been making all of my payments on time. Today, I talked to someone who said she couldn't even see the document that I signed for my payment plan to be the same as what it originally was with ******. After 30 minutes, she found but told me no one did anything with this document. After the call she was not able to assist me.
  
  A General Timeline: - My account was transferred to SST from ****** on December 11, 2023 - I requested to to keep my payment program that I was originally on with ****** on Jan 8th, 2024 - I signed the document on Feb 02, 2024
  
  When they transferred my loan to SST, SST called me every day to tell me to make a payment even though I already did. They also kept emailing me. During the first few months, I called almost daily to get them to stop calling me and to fix my account. I also have signed documents that were asked of me for the payment program, I have made all of my payments on time, and I have recieved zero communication from SST about resolving the issues that I've expressed since December 2023. It i's January 2025 and I am still seeking them to make me whole again. To me, I have given you well over a reasonable amount of time to fix the problems.

  Business Response

  Date: 01/27/2025

  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.
  We’ve completed our review of the account in question and found the following:
  On May 26, 2022, ****** **** signed an agreement for a ****** ** ******* ***** loan (“the Contract”) financing $6,000.00. According to the Contract, *** **** agreed to make 36 monthly payments of $202.13, beginning on June 26, 2022. 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 $3, 604.81.
  Further review of the account, history indicates an ongoing Long Term Assistance Program (LTAP) inquiry dating back to the date of transfer. We identified there was a delay in the LTAP enrollment process, which as communicated early last week via a phone call with one of our managers, we are working on a resolution. 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,
  * ***** *******
  Compliance Officer
  Systems & Services Technologies

  Customer Answer

  Date: 02/04/2025

  
  
  Complaint: ********
  
  
  I think it’s great that those tasks are planned to be taken but it has been over a year. I have also been told everything will be taken care of within 7-10 days, every time I’ve called over the year. Not just on Jan 15, but previous times as well.
  

  How can one be anymore patient than what I have given? Also, as you said, I have completed the LTAP agreement, so therefore I deserve a copy of it at the very least. While, yes I would like everything to be resolved right now but at the very least the response I deserve is a copy of the LTAP agreement that I signed. That would suffice while I stay patient. 
  

  Please send me the LTAP agreement that I signed and give me a timeframe for which all the other tasks will be completed. I can be patient if you can at least do this. 

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

  Business Response

  Date: 02/14/2025

  *** *****

    Please be advised SST is gathering the documents requested and will revert back to you next week. Thank you. 

• Initial Complaint

  Date:01/14/2025

  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 have a debt that transferred from ****** ******* *****. I have never been delinquent on my contractual agreement paying a monthly payment of $314. In July of 2024, I was offered a reduced payment of $160 a month by Systems Services and Technologies through a long term assistance program, LTAP. I electronically signed the agreement and have made the payment every month since then and have never been delinquent. However, that agreement has not been updated to my account and I have been reported late, past due to the credit bureaus over 120 days past due. I have called on a weekly basis and the response I get is they are working on updating it and has been added to a tracker. I am not sure what else to do. I have made all the payments yet it hasn’t been accurately reported to the credit bureau. Please help.

  Business Response

  Date: 01/26/2025

  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 November 26, 2021, ******** ***** signed an agreement for a ****** ** ******* ***** loan (“the
  Contract”) financing $*********. According to the Contract, *** ***** agreed to make 60 monthly
  payments of $******, beginning on December 26, 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 $********. Further review of the
  account history indicates an ongoing Long Term Assistance Program (LTAP) inquiry and delay in the
  process dating back to June 2024. This has been communicated to *** ***** early last week via a phone
  call with one of our managers. On January 14, 2025, *** ***** agreed to continue with the LTAP as we
  remediate the error. On January 16, 2025, one of our managers advised *** ***** we have worked on a
  resolution and the LTAP has been updated along with an update to the Credit Bureaus updating *** 
  ******* credit report. This may take up to 30 days to reflect. 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
  ***** *********
  

• Initial Complaint

  Date:01/08/2025

  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 on a fixed income. I am in financial hardship. The amount they are requesting that I pay is an impossible amount. They are charging $6 or more per day of interest on a collection.

  Business Response

  Date: 01/16/2025

  Please see attached.According to our records on September 24, 2022, Mr. ******* signed an agreement with Cross 
  River Bank c/o Tally Technologies, Inc, for a line of credit in the amount of $8,000.00 with an 
  initial interest rate of 25.99% 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:01/07/2025

  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.

  October 2024 my account was transferred to SST from another company without further details and consent obtaining my social security number and email and phone number without my consent and SST since obtaining my info I have tried contacting them about setting up debt forgiveness or settlement since I did give them consent or a written contract for loan repayment since the previous company did not file bankruptcy or any other federal paperwork to declaring they were selling my info

  Business Response

  Date: 01/16/2025

  Please see attached.According to our records on October 29, 2020, Mr. ******* signed an agreement with Tally 
  Technologies, Inc, for a line of credit in the amount of $3,000.00 with an initial interest rate of 
  17.99% 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:01/04/2025

  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.

  I had to send this company a check for $264.64 because for some reason they don't accept credit or debit cards to pay. I sent the letter on December 20th, its now January 4th and even though I got a text message from them about a week ago, they haven't taken any of the money from my account and are still saying that I owe them that $264.64.

  Business Response

  Date: 01/15/2025

  Please see attached.According to our records on July 21, 2022, Mr. S*******y, signed an agreement with Tally 
  Technologies, Inc, for a line of credit in the amount of $3,000.00 with an initial interest rate of 
  23.99% 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:12/27/2024

  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 September we received notification that ***** was going to transfer loans to this company. They said that we would receive a letter and that it would have all of our account information, payment information, etc. We never received any information. My wife called today to see if she could get the account information so that we could set up automatic payments. They gave her the account information and told her that the balance due was $234. She went to make an online account and they stated that this account could not be serviced online and she would need to call. She called back and they stated that they were selling the account to someone else but couldn't tell her who. They said that they don't know yet who it is going to and refused payment. So instead of setting up payments or being able to service the loan they said that they still have the loan but that they won't accept payment and they will sell it off to someone else. They gave my wife all of the account information without speaking with me. This seems like a scam as the person she spoke with had a hard time providing a mailing address or even a city where the business is located. I am sure this is on my credit now as a failed payment. This will only get worse as they are continuing to deny taking my payment.

  Business Response

  Date: 01/08/2025

  Please see attached. 

  Customer Answer

  Date: 01/08/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  
  I would like to see the documents that I signed with your company. (I never signed any documents or never agreed to any terms with your company.) 

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

  Business Response

  Date: 01/14/2025

  It is true that this consumer never signed an agreement with Systems & Services Technologies.  As explained in our response, we are a loan servicer, servicing his ***** Account.  In these circumstances, no such written agreement is required.  Additionally, as this account came in charged off, we will not be credit reporting his account.   

• Initial Complaint

  Date:12/18/2024

  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 August 31, 2020, I was approved for a $7000 hybrid loan from ******. $4000 available immediately and $3000 in a locked savings account(held by Cross River Bank) available after paying off the loan. On May 2022, I receive a communication stating that my loan has been taken over by SST. I kept making my payments on time. On September 15, 2024 I decided to pay off my loan and sent a check for the pay off balance. SST deposited the check on September 26, 2024 and told me to wait 15 business days to request transfer of my funds held in savings account. I made my first request on October 18, 2024. Waited 5 business days, but no funds were transferred. I tried this 3 more times and no transfer came along. When called SST states that my transfer is being rejected by the recipient bank(******* ******* ****** *****). We did a three way call with *** to figure out and they mentioned clearly that they were not rejecting or canceling the transfer. So I tried a 4th time, it failed again. This time SST mentioned that it could be because *** is a small bank and they are not accepting transfer. I tried a 5th time again, this time used my **** ** ******* account for the transfer on December 12, 2024. Today is December 17, 2024 and I was told that the transfer is being denied by my bank. Is BOA a small bank now? All along, SST wants me to set up a three way call with my bank but never once have entertained my ask of talking to ***** ***** ***** This has gotten to a point where I have to take another loan to help with my holiday expenses defeating my purpose of not wanting to have loans and close this to begin with. As of today SST/***** ***** **** owe my $3009.36. This is plain ridiculous from SST and ***** ***** ***** For all the pain I am going through, I can never get any answer from SST on the tracking or wire initiation requests.

  Business Response

  Date: 12/30/2024

  Please see attached letter. Thank you. We appreciate the opportunity to respond to the above-referenced complaint your office brought to our
  attention. SST is a loan servicing and payment processing company. We remain committed to
  maintaining a high level of customer satisfaction and appreciate the opportunity to assist you. Having
  researched this matter, please be advised of the following:
  The transfer of the Secured Savings funds has been escalated for review with the financial institutions.
  All parties are working on the issue and will follow up accordingly.
  We apologize for the inconvenience but please feel free to contact customer service at ***** ******** with any further questions or concerns. 

  Business Response

  Date: 01/16/2025

  *** *******

    SST has forwarded the request to *** who is currently working on the case. We apologize for the delay, but SST has done everything it can to expedite the process and are waiting **** resolution. 

  Customer Answer

  Date: 01/18/2025

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

  I spoke to *** and they mentioned that the rejection is not because of their issue but because of some flag raised by your systems and is not allowing them to transfer the amount. At this point I want you or *** to cut me a check for the amount owed plus duly compensate me for all the hassles and struggle I encountered until now due to your and ***’s negligence. 

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

• Initial Complaint

  Date:12/13/2024

  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'm not liable for this debt, Systems & Services Technologies, Inc has misled me into believing they were the original creditor. I don't have a contract with this agency's company. They were never introduced themselves as a Collection Agency and neither provide me with the original contract. Correction to my credit report I demand this account to be removed from my credit report Systems & Services Technologies, Inc
  
  The FDCPA mandates that debt collectors must clearly state their identity as a debt collector when contacting someone about a debt.
  Providing details:
  Along with identifying as a collector, they must also provide their company name and contact information

  Business Response

  Date: 12/27/2024

  See attached response. e 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: 

• Initial Complaint

  Date:10/17/2024

  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 alleges I owe them $11,788 dollars. It is on my credit reports. I have no contractual agreement with this business. So unless they can send me an original contract between them and myself, they need to take this off all my credit reports.

  Business Response

  Date: 10/28/2024

  Please see the attached response and thank you in advance.We appreciate the opportunity to respond to the above-referenced complaint brought to our attention by your office. 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. Having researched this matter, please be advised of the following:
  On July 31, 2018, you, ********* *******, signed an agreement for a Marcus by Goldman Sachs loan (“the Contract”) financing $12,000.00. According to the contract, you agreed to make 36 monthly payments of $433.76, beginning on August 31, 2018.
  On or around December 9, 2023, the account was assigned to SST for servicing and a transfer letter sent advising of the new servicer. Consumer permission is not required for transferring loan servicers. The creditor was not changed by the transfer of servicing.
  At the time of servicing transfer, the Account had a balance of $11,053.44. Review of the payment history confirms brief and sparse payments made on August 31, 2018, October 31, 2018, December 7, 2018, and January 16, 2019. Validation of Debt has been sent separately.
  If you feel this account was opened because of Identify Theft please complete and send to SST the FTC Fraud Affidavit, which you can find at *****************************. Also provide other supporting information to expedite our investigation, including the police report, a copy of your driver’s license, an exemplar of your signature, proof of residence as of the date of the alleged fraud, etc. You may send this information at the below address

  Business Response

  Date: 10/30/2024

  In response to the consumer's rebuttal response, please note:

   

  1. There is no contract between SST and *** *******.  SST represents the creditor, Marcus by Goldman Sachs.  This in no way changes the obligation *** ******* has on his account.  

  2. SST will not be modifying any credit reporting at this time.  Note further, that SST has not independently credit reported on this account, at any rate.  

   

  Note this account is currently outsourced to a lawfirm, ******* * ********** - for potential lawsuit on the underlying claim.  We would encourage *** ******* to contact them with any further issues.  

  Customer Answer

  Date: 11/04/2024

  As seen on this screenshot, it specifically states SST REPORTED Nov. 30, 2023. Contrary to the reply given by them stating they are not on my credit report. Furthermore the debt has been charged off as bad debt and sent to collections.  I.E. the debt has been sold to this company.  They purchased the debt and that has nothing to do with my contract with the original creditor. In conclusion I have no contract with this company. I have no obligation to them. Cease and desist any and all attempts to collect anything from me.  And get off my credit reports as you are on them.