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Systems & Services Technologies

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Customer Complaint:
This business profile reflects national complaint activity

Complaints

This profile includes complaints for Systems & Services Technologies's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

451 total complaints in the last 3 years.
168 complaints closed in the last 12 months.

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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:10/02/2024
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.
My ***** line of credit was transferred to SST as an amortized loan when ***** went out of business.

SST raised my interest rate and amortized the loan over 60 months, with a calculated monthly payment of $221.91. On top of this, they added $2.41 to each payment to cover the interest that had accrued since my last ***** payment in August (a total of $144.60 when distributed over 60 months).

I was accustomed to paying ***** more than the monthly minimum payment, and on September 9, 2024, I paid SST $300. This should have been applied as $142.98 ($140.57 + 2.41) to interest and $157.02 to principal. However, they applied $227.45 to interest and just $72.55 to principal.

I have spent hours on hold with customer service and have been promised attention by "upper management" that was to result in emails and phone calls that have never materialized. So far I have encountered an obstinate refusal to admit a mistake has been made, and blithe assurances that future payments will be handled correctly.

I want the additional $84.47 applied to principal as it should have been. I also want to know that SST is capable of applying my future payments correctly, and that they will do so.
Business Response
Date: 10/10/2024
Please see attached letter.
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.
After completing our initial review of the account in question, on September 7, 2021, *** ****** signed an agreement with ***** Technologies, Inc, for a line of credit in the amount of
$15,000.00 with an initial interest rate of 14.99% which could vary with the market based on the
Prime Rate. You agreed to the terms and obligations in the contract, which provides that in the
event of a servicing change, your line of credit will be closed and that “you will be required to
pay equal monthly payments of principal and interest in an amount that fully would amortize
your ***** Line of Credit over a five-year period.”.
***** ceased operations in early September 2024 and transferred all open accounts to SST for
servicing purposes. Your balance at the time of transfer was $8,334.01 with a fixed interest rate
of 20.24%, $144.29 of which was interest that had accumulated through August 22, 2024. An
additional $83.16 of interest accumulated between August 22, 2024, and the date of your
payment, which was September 9, 2024. As such, of your $300.00 payment made on September
9, 2024, $227.45 paid off the outstanding interest, and the remaining $72.55 paid down principal.
Regarding the long wait times, SST has experienced a high volume of calls from other *****
customers due to this transfer. We apologize for the inconvenience this has caused.
If *** ****** has any additional questions or concerns, please contact Customer Service at ***** ********* ****** ** **** ****** *, to speak with a live representative during the office hours of
7:00am to 8:00pm Monday - Friday and 8:00am to 12:00pm Saturday Central Standard Time.
Business Response
Date: 10/22/2024
To clarify:
1. Of the $8,344.01 balance at transfer, $144.29 was interest that accumulated at ***** and which remained unpaid at the time of transfer.
2. SST did not amortize the loans - ***** did so prior to transfer and provided such information to SST.
3. No interest was calculated on the $144.29.
Customer Answer
Date: 10/23/2024

Complaint: ********

I am rejecting this response because:

Apparently as to the question of whether the people running this company are dishonest or just incompetent, the answer is they are *both*.

I have gone ahead and paid off my account. Originally I paid all except the $84.47 they stole from me, but in the end I paid that as well, as a gift to myself. I will be relieved of any further interaction with this execrable company, and they will be denied the thousands of dollars in interest they thought they would be reaping over the next five years.

Sincerely,

***** ******
Initial Complaint
Date:09/29/2024
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 had a loan with ****** ** ******* and it was reassigned to SST. I had a large medical bill I had to pay and requested a payment deferment from SST. I was approved for a two month deferment for the payments due May 23, 2024 and June 23, 2024. I resumed my payments with the July 23, 2024 payment. SST has failed to update my account in a timely manner and still has my account showing as past due when I have documentation of the approved payment deferment. I have called in several times and have been advised my credit will be corrected but it is showing it has not been re-aged based on the payment deferment. Last week when I called SST, I asked why this was taking so long and was basically told they are busy with a lot of requests so it may take more time. I feel I have given SST plenty of time to fix this, but now it is negatively impacting me. I was turned down for an apartment due to SST's inability to submit a request to update my Credit Report timely. At this point, I might have to seek legal remedies because I feel like they have violated the FCRA in some way. I don't know if SST has significant staffing issues, but it has been over 2 months since trying to resolve this, which is unacceptable. I am seeking assistance from the BBB to help resolve this situation because there is no urgency with SST. I will consider this matter resolved once SST updates/re-ages my account timely based on the payment deferment and send something to the three major credit reporting agencies (Experian, Equifax, Transunion) removing any late payments and reflecting my account as current. I will also be filing a complaint with the Federal Trade Commission against SST. I have been more than fair in allowing time to fix this and even gave a timeframe if not resolved and that I would be filing a complaint with the BBB. Thank you for your time.
Business Response
Date: 10/10/2024
Please see attached letter. Thank you.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 22, 2021, ******** ******* signed an agreement for a ****** ** ******* ***** loan
(“the Contract”) financing $17,500.00. According to the Contract, *** ***** agreed to make 24 monthly
payments of $486.94, beginning on December 23, 2021. On or around December 19, 2023, the account
was assigned to SST for servicing. A transfer text and letter were sent to the cellphone/address on file
on December 19, 2023, explaining how to access the new servicing information.
Business Response
Date: 10/22/2024
The STAP program will be applied to this account as of 10/17/24 - the process was not finalized until 09/26/24.
Customer Answer
Date: 10/27/2024

Complaint: ********

I am rejecting this response because:

Sincerely,

******** *******
Initial Complaint
Date:09/23/2024
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 had a loan with ****** they closed after years of nightmares & not Doing what they said they would- they transferred my loan to this company that has no encryption on their website & they Don’t show the payments being made to the debt! I think they are stealing peoples money- they aren’t bbb accredited, their site isn’t encrypted & im Not comfortable paying them. It seems I am only 1 out of thousands of people being affected by this issue. They have interest & payments I never agreed to & i Never agreed to have a loan with them. My loan should be nulled & voided From the thousands I paid to tally - they closed & transferred me to a WORSE company that is so shady without my consent. This loan should be completely void since they are no longer In business. I am not comfortable with this company as no one answers, the site is a hackers dream & i Never took a loan out with this company to begin with so I never agreed to these terms . I can’t believe this is even legal. Also, I have read thousands of reviews where people had money stolen, they don’t change the balance of loan even after it’s paid off, & people had identity theft issues due to this company. My loan should be voided since I never agreed to use them & TALLY breached their contract with me. I shouldn’t have ever been moved to a company & ALL my personal information moved with it WITHOUT my consent when they closed - & it Should also be removed from my credit report - I NEVER agreed to use this company. This is so not legal in my opinion.
Business Response
Date: 10/02/2024
Please see attached letter.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.
After completing our initial review of the account in question, on December 16, 2019, Ms.
******** signed an agreement with ***** Technologies, Inc, for a line of credit in the amount of
$10,000.00 with an initial interest rate of 17.90% which could vary with the market based on the
Prime Rate. You agreed to the terms and obligations in the contract, which provides that in the
event of a servicing change, your line of credit will be closed and that “you will be required to
pay equal monthly payments of principal and interest in an amount that fully would amortize
your 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 and a welcome letter was sent advising of the new servicer. Your balance at
the time of transfer was $9,276.77 with a fixed interest rate of 18.00% and your minimum
payment required is $237.93.
Customer Answer
Date: 04/10/2025

********** ********

I am rejecting this response because:
my balance still hasn’t gone down even though I have paid thousands toward this! Your clearly not applying MY money & even After all this communication you still won’t say what my balance is to date because is this ?? a shady company. ONCE AGAIN I NEVER ENTERED into any agreement t with you. When tally closed - my balance should have e been wiped away with the company. That’s how ethics works. I didn’t enter into agreement with your company at all. I am not the only one having issues. Check your reviews. It’s a joke! Your company is so shady & you don’t even show balances going down or say what they are ! This is unacceptable because I never entered into any agreement with you and I never would.

Sincerely,

Kasey Sorensen
Initial Complaint
Date:09/21/2024
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.
Complaint against System and Service Technologies Inc

I discovered that there was an account reporting on my credit by a company called SST. I have had no prior contact, and I do not have any account with this company. On 5/13/2024 I sent a request for validation to SST Inc. See attached. They received this letter on 5/16/2024, see attached proof of delivery certified mail.
They were required to send me notices and follow the proper procedure for validation. They did not. Instead, they sent me a letter saying it was serviced by another company and yet did not provide any details as to the nature of the debt. They were asked to investigate the validity of this debt. They did not.
They have violated the FDCPA and the FCRA in that they did not validate the debt, did not investigate the debt, did not provide any proof of the debt including amounts owed and their right to collect this debt.
In fact, aside from a 1 paragraph letter saying they didn’t service the account they have not contacted me or responded with the correct information.
Yet they continue to report this account on my credit report and have recently responded to a TransUnion Dispute stating that the debt was accurate, which is it not.
This company refuses to comply with the FCRA and the FDCPA and is currently in violation of both.
See attached proof of my statements.
***** *******.
Business Response
Date: 10/01/2024
Please see attachmentWe 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, ***** *******, signed an agreement for a ****** ** ******* ***** loan
(“the Contract”) financing $15,000.00. According to the Contract, you agreed to make 37 monthly
payments of $542.21, beginning on December 20, 2017.
On or around December 14, 2023, the Account was assigned to SST for servicing and a transfer letter
sent same day advising of the new servicer. Consumer permission is not required for transferring loan
servicers. The creditor was not changed by the transfer of servicing.
Business Response
Date: 10/10/2024
*** ******* *
****** ** ******* ***** is the company that actively reported your account while current. When SST took over servicing of the ****** accounts, yours had already been charged off. As per SST policy, SST therefore did not credit report following transfer and will not independently take any affirmative action on your account to collect upon it. We are therefore not governed by either the FCRA or the FDCPA in this instance.

Customer Answer
Date: 10/15/2024

Complaint: ********

I am rejecting this response because:

this is being reported on my credit. You are the entity that is reporting this. I have disputed this directly with you because it is inaccurate you are absolutely accountable to the FCRA as the furnisher of the information it is also held that the act of reporting is an attempt to collect a debt therefore you are also under obligation to adhere to the FDCPA .

if you wish to absolve your self of this then send me a letter stating that you do not wish to have this information reported on my credit . And that it is a mistake. This I will then take up with Trans Union and refrain from holding you accountable . However you must validate this is true with Trans Union. I’m not certain why you can’t just contact Trans Union and correct this yourself.
if you refuse to resolve this I will have no other recourse but the court system. If you think you can not be held accountable for your reporting on my credit then I will need demonstrate that you are mistaken.

Sincerely,

***** *******
Initial Complaint
Date:09/20/2024
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.
SST took over servicing a loan a had taken out from a different vendor. Since then this account has been reported incorrectly multiple times on my credit report, first being shown as closed with no balance; second, as transferred to another lender; third, showing they have the account and it has a balance; and now as the account is again apparently no longer with this company they refuse to report it accurately on my credit. They are saying we don't have an account with them, but they are still reporting to my credit, will not update the the account to show it in charged-off status on my credit, report it was transferred to another company and will not provide me with documentation that my account has been charged off. I have disputed it with the credit bureaus, but SST refuses to supply complete and accurate information upon their request.
Business Response
Date: 09/30/2024
Please see attachment.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.
We’ve completed our review of the account in question and found the following:
On July 6, 2021, Amanda K Vanover, signed an agreement for a Marcus by ******* ***** loan (“the
Contract”) financing $30,000.00 for an Unsecured Personal Loan. On December 11, 2023, the Account
was transferred to Systems and Services Technologies, Inc. (“SST”) for servicing. The terms of the
Contract remain the same.
At the time of servicing transfer, the Account had a balance of $20,706.10 and was due for the January
6, 2024, payment. On January 5, 2024, you cancelled your automatic payment on SST’s customer
website, accountinfo.com. You have made no payments on the Account since the transfer. SST tried on
several occasions to reach you via cell phone, text messages and letters through regular mail all with no
response from you. All communication listed a contact number and mailing address as well as our
website address, accountinfo.com. Due to non-payment, your account was charged off on May 31, 2024
Customer Answer
Date: 09/30/2024

Complaint: ********

I am rejecting this response because:
I called your credit dispute department and was greeted with hostility before I even had said one word to the lady on the other end, apparently from whatever the customer service rep who had transferred me said to her. She refused to help in any way included providing me with documentation that this debt is charged off and when. I don’t disputed that is it charged off. YOUR company, not Goldman Sach nor *******, is not stating on my credit report that this account is in fact charged off. ******* ***** nor ******* can change what YOUR company is reporting to the credit bureaus. Furthermore, the EXACT same day I made the call to your credit dispute department they went in and reported/updated it incorrectly again.
All I want is for it to be reported correctly as charged off with the credit bureaus. It seemed like a pretty simple request.

Sincerely,

****** *******
Business Response
Date: 10/09/2024
SST has confirmed that we are currently reporting your account as charged off. The account has been outsourced to a debt collection law firm who should be contacting you soon.
Initial Complaint
Date:08/19/2024
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.
Agency refused to provide my funds in the timeline that was provided! Various agents informed me it would take 3 business days for me to receive my payment after I submitted my request. When I submitted my request it told me it would take up to 3 business days. It has been well over 3 business days and I’m still getting the runaround about my funds and the agents refuse to allow me to speak with someone higher.
Business Response
Date: 08/26/2024
The San Francisco branch of the Better Business Bureau
(“BBB”) sent Systems & Services Technologies (“SST”) your BBB complaint for
us to respond as a courtesy. SeedFi previously forwarded multiple SeedFi
accounts to SST to service. Your account was one of those forwarded to us.

Based on the age of your complaint, it is unclear to us
whether your issues still exist. We at SST are committed to resolving any
issues you might have. Therefore, should your issue remain, we suggest reaching
out to us at * ***** *********
Customer Answer
Date: 08/26/2024

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.

Sincerely,

****** *****
Initial Complaint
Date:08/10/2024
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.
Issue I opened an account with **********. All payments due had been made on time automatically debited from my account. ********** decided to send my account to System & Services Technologies "SST". That account number ******** Client: ********** my payments continued seamlessly on-time automatically. I did not have any issues.
On July 20th, 2024, I called SST and requested I payoff amount, and paid off the account. The SST representative that took the payment explained I would need to wait 15 days. In those 15 days SST will inform Cross River Bank that my account was paid in full on my ********** loan and the security interest on the Saving Account would be paid to me. It was crucial that I understood only after the 15 days could I request the funds. On 04th day if Aug2024 I request my funds and was told it would be deposited into my bank in 3 business days. Aug. 7th No funds received. I called SST back and was told wait 2 more days. Aug 9th still no funds. I called SST and was told call back on the Aug 10th if the funds were not received and the agent would escalate my concern. Aug 10th still no funds. I called SST and the agent advised me they would send an email and I should eventually get my funds. I also received an email from SST and it stated If I did not received my funds to call ************ for assistance. No one has been able to explain why I did not receive my Security interest on the saving account about 1900.00. Please help me understand what the issue is.

Marisol
Business Response
Date: 08/15/2024
Please see attached response.
Initial Complaint
Date:08/05/2024
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.
My account has been paid in full as of 6/25/2024. I have contacted the company to mark this account as paid and submit it to the credit bureaus. When I spoke with the representative they said I would receive a letter in the mail in 20 days showing my account was paid and it would be updated with the credit bureaus. I have never received any correspondence from this company showing my payments. This account still shows active and unpaid on all of my credit reports. I have filed a claim on credit karma and there has been zero response. I want this account marked as paid in full and updated/removed from my credit report. I have attached proof of payments I made and that the account still shows I have a balance.
Business Response
Date: 08/14/2024
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.
We’ve completed our review of the account in question and found the following:

On May 17, 2022, ***** *******, signed an agreement for a Marcus by Goldman Sachs loan (“the
Contract”) financing $30,000.00 for an Unsecured Personal Loan. On December 11, 2023, the Account
was transferred to Systems and Services Technologies, Inc. (“SST”) for servicing. The terms of the
Contract remain the same.

At the time of servicing transfer, the Account had a balance of $22,037.12 and was due for the December
17, 2023 payment. The last payment made was a payoff for $19,337.54 on June 19, 2024.

Please know that when a final payment is made, there is a 15-day clearing period before the Account can
be completely closed.
Paid in Full letter was sent to Ms. ******* on July 18, 2024.
Ms. ******* may contact Customer Service at ###-###-#### for further questions or concerns.

Very truly yours,

* ***** *******
Compliance Officer
Systems & Services Technologies, Inc.
Customer Answer
Date: 08/18/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********. While I find that this resolution is satisfactory to me, the company made no effort to report my paid in full debt until I made my initial complaint. This company has several derogatory reviews regarding their dishonest practices when it comes to loan servicing. I do believe this company should be investigated further.

Sincerely,

***** *******
Initial Complaint
Date:07/24/2024
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 been paying this company $100 a week that was our agreement. My original payment was $387.42 a month I’ve been paying them $400 a month. I spoke to them multiple times some months I even paid more than $400. They change my due date they told me on the phone and it’s even on the recordings that all for supervisors ****** ******** ******* and ******* told me. They’ve been falsely reporting on my credit report that I haven’t made any payment since March of this year and reported that I miss March April, May, June and July payment when I submitted my bank statements to them and they said they see everything and it’s a misunderstanding, but they’re not able to fix my credit report they told me. I spoke to several managers multiple representatives. They have actually no clue what they are doing. They don’t know how to communicate and they are falsely reporting incorrect information on credit report, which is not fair to me when I am a loyal, customer has been making all my payments on time, and they refused to fix my credit report.
Business Response
Date: 08/02/2024
Please see attached response.
Initial Complaint
Date:07/09/2024
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 am not liable for this debt with SST, I do not have a contract with SST, they did not provide me with the original contract as I requested.
Business Response
Date: 07/23/2024
Please see attached response.
Customer Answer
Date: 07/23/2024

Complaint: ********

I am rejecting this response because:
it doesn’t satisfy my request to get this taken off my credit report. If the BBB could help me with this, it would be a lot of help. Thank you!

Sincerely,

******* *****
Business Response
Date: 07/31/2024
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. 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.
As previously stated in our response of July 23, 2024, on June 6, 2018, ******* ***** signed an
agreement for a ****** ** ******* ***** **** (“the Contract”) financing $20,000.00 for an
Unsecured Personal Loan. On December 11, 2023, the Account was transferred to Systems and
Services Technologies, Inc. (“SST”) for servicing. The terms of the Contract remain the same.
At the time of servicing transfer, the Account had a balance of $17,269.49, was due for the February 6,
2020 payment and in collection status. There have been no payments made on the Account since
transfer.
Because no further payments were made, the Account charged off effective June 4, 2020. Due to the
charge-off, the Account has been outsourced to Zwicker & Associates for further handling. Zwicker
can be reached at ***** ******** for additional information.

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