Complaints

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

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• 

  Systems & Services Technologies

  4315 Pickett Rd Saint Joseph, MO 64503-1600

• 

  NCO Financial Systems, Inc.

  8025 Excelsior Drive Suite 200 Madison, WI 53717

• 

  NCO Financial Systems, Inc.

  113 W. Milwaukee St Janesville, WI 53545

• 

  SST Card Services

  PO Box 23060 Columbus, GA 31902

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/19/2024

  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.

  Credit report still shows open paid in full account number ******** **** ****

  Business Response

  Date: 04/29/2024

  Please see attached response.

  Dear *** *******
  
  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 initial review of the account in question and found the following:
  
  On March 27, 2021, ******* **** signed an Agreement for a boat loan (“the Contract”). According to
  the Contract, *** **** agreed to make 60 monthly payments, beginning on April 26, 2021. In April,
  2021, the Account was assigned to SST for servicing.
  
  Timely payments were made on the Account with final payment of $4,811.82 received on February 15,
  2024. The Account was marked as Closed/Paid on March 4, 2024.
  
  SST submits periodic reports with accurate information to the three main bureaus: **********,
  ******** and *******. To ensure the Account status of Closed/Paid is reflected, SST submitted
  asynchronous request to update to the bureaus on April 29, 2024. Please allow sufficient time for the
  bureaus to update their records.
  
  If *** **** has any further questions or concerns, he may contact SST Customer Service directly at
  ***** *********
  
  Very truly yours,
  
  
  * ***** *******
  Compliance Officer
  Systems & Services Technologies, Inc.

• Initial Complaint

  Date:04/18/2024

  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.

  My loan was transferred from ******* *****. I had a perfect payment record and have never been late. I was not notified of the transfer. Once I learned, I started making all my payments. They were all made within the appropriate timeframe. However, the records kept noting that they were not made or there was a returned check. My bank has no records of returns. I paid the entire amount off at the end of March. They are still sending me invoices for monthly payments showing I still owe money when it is completely paid off. They have it listed twice on my credit report as a paid loan, and as an outstanding loan with a balance and more then 30 days past due. My credit score has plummeted because of this. I want the 30 days past due removed from my credit report and properly reported as paid on time and closed with a zero balance.

  Business Response

  Date: 04/29/2024

  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. SST does not purchase loans and has no ownership in these loans; it is merely the
  servicer.
  We’ve completed our review of the account in question and found the following:
  On April 23, 2018, ****** ******* signed an agreement for a ****** by ******* ***** loan (“the
  Contract”) financing $24,500.00. According to the Contract, *** ******* agreed to make 73 monthly
  payments of $544.34, beginning on May 23, 2018. On December 11, 2023, the Account was assigned
  to Systems and Services Technologies, Inc. (“SST”) for servicing and a transfer letter was sent to *** ******* with information about the new servicer.
  At the time of servicing transfer, the Account showed a balance of $3,546.55 and was due for the
  December 23, 2023 payment. Multiple payments have been made with SST since the transfer.
  The last payment received was for $1,553.60 on April 3, 2024. This left a zero balance. The Account
  shows Closed/Paid.
  SST reports accurate information to the three main credit reporting agencies: **********, ******** and *******. SST sent updates to all three bureaus to ensure all are reporting the same, Closed/Paid
  effective April 3, 2024. Please allow sufficient time for the bureaus to update their records

  Customer Answer

  Date: 05/13/2024

  In the response provided, SST confirmed that the account has been paid since the first week of April 2024, and that it was never late. Thereafter, all my credit agencies updated to show the account closed and paid on time with no late. However, as of May 9, 2024, a new report from SST now shows my account as open and past due again, which dropped my score by close to 80 points, AGAIN. I have now had one credit card reduce my limit because of this, and I have now suffered irreparable harm due to your misreporting. 

  I would like this corrected for once and for all so that no future incorrect items are reported.

• Initial Complaint

  Date:04/08/2024

  Type:Service or Repair 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 loan was transferred to SST from Marcus by Goldman Sachs. I paid the loan in full and received the following image attached. I was told it would take 30 days to report to the credit bureaus, this was in January, it is now April and it is still showing open. I called Goldman Sachs and they notified me that SST is their loan department and not a "different" company like I originally thought. When I called SST using the Goldman Sachs provided number, they said they had not updated it and were unsure of when they would. I asked for a timetable, she said she couldn't answer that question and no one could. I would like this loan to show as paid on my credit report, there is no reason for this to take over four months and then be told there is no timetable.

  Business Response

  Date: 04/17/2024

  Please see attached response.

  e: Case # ******** – ****** ***********
  
  Dear *** *******
  
  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. SST does not purchase loans and has no ownership in these loans; it is merely the
  servicer.
  
  We’ve completed our review of the account in question and found the following:
  
  On January 28, 2022, ****** *********** signed an agreement for a ****** ** ******* ***** ****
  (“the Contract”) financing $8,000.00. According to the Contract, *** *********** agreed to make 48
  monthly payments of $206.72, beginning on March 1, 2022. On December 11, 2023, the Account was
  assigned to Systems and Services Technologies, Inc. (“SST”) for servicing.
  
  At the time of servicing transfer, the Account showed a balance of $4,718.30 and was due for the
  January 1, 2024 payment. An AutoDraft payment was made with SST on January 1, 2024 for $206.72
  and a WebPay payment of $4,558.77 was made on January 2, 2024. AutoDraft payments were
  cancelled January 3, 2024 due to the payoff. Paid In Full letter was sent to *** *********** on January
  19, 2024. The Account shows Closed/Paid.
  
  SST reports accurate information to the three main credit reporting agencies: *********** ********
  and *******. SST was not credit reporting this Account at the instant the Account was paid. We have
  sent updates to all three bureaus to ensure all are reporting the same. Please allow sufficient time for
  the bureaus to update their records.
  

  Customer Answer

  Date: 04/17/2024

   
  
  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:04/08/2024

  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.

  I had a loan with ****** and it was sold to SST. Shortly after I planned to pay the full amount of the loan because this company does not have any structure or customer support. I have called many times and gotten the run around about the amount due. I am most concerned about their level of security with my information. I have received emails stating that my loan has been paid in full. I have received emails with information regarding other peoples loans. If I have received someone else information regarding their loan who is to say that they have not leak my information to someone else. When I brought this to their attention they just told me to delete it as if it has happened from time to time. They have effected my credit report but reporting multiple loans not paid or untimely payment. I do not wish to do business with them and I do not like that the do not have an encrypted website and they do not have a valid SSL certificate. I can't access my account online because my password has expired and the website will not recognize my answers. I don't know how they are able to stay in business with as much as I have read online about SST.

  Business Response

  Date: 04/16/2024

  Please see attached response.

  Dear *** *******
  
  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. SST does not purchase loans nor has any ownership in any of its loans; it is
  merely the servicer.
  
  We’ve completed our review of the account in question and found the following:
  
  On February 25, 2022, ***** ****** signed an agreement for a ****** ** ******* ***** loan (“the
  Contract”) financing $7,000.00. According to the Contract, *** ****** agreed to make 36 monthly
  payments of $230.79, beginning on March 27, 2022. 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 $3,172.09 and was due for the
  December 27, 2023 payment. Four Autodraft payments have been made with SST since the transfer.
  The Account is showing current and due for the April 27, 2024 payment.
  
  SST maintains current SSL certificates and adheres to all regulatory policies and guidelines relative to
  IT security. Current certificates are active through April, 2025, at which time they will be subject to
  renewal.
  
  If *** ****** needs assistance with resetting his login credentials, he should contact SST Customer
  Service directly at ***** ********* A representative will be able to assist with the process.
  
  Very truly yours,
  
  
  * ***** *******
  Compliance Officer
  Systems & Services Technologies, Inc.

• Initial Complaint

  Date:04/03/2024

  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 could repay the SST loan using my credit union's loan program. Due to SST's inability to send the correct payoff quote, I lost out on the new loan after multiple requests for a payoff quote to reduce my debt and interest rate.
  
  Between February 28 and March 11, I called SST three times to request a payoff quote by email. I was told my request was in the system, and while they apologized, they said they were busy and would get to it as soon as possible. I was also told the 1st SST agent had my incorrect email, and the 3rd SST representative I spoke with confirmed the correct email. As of April 3, I still have not received the payoff quote.
  
  On March 13, I called SST with my new lender representative, and SST accepted my request to send the information directly to the new lender. The quote was not sent.
  
  I received the payoff quote by mail, but it was outdated when I received it.
  
  Between March 14 - April 3, my new lender continued to call to get this information. Over multiple phone calls, the payoff quote was finally sent to my new lender but was password-protected, and SST did not share the password.
  
  On April 3, my new loan application with the new lender was closed due to SST's inability to secure a payoff quote. To open this again, I have to reapply, submit all of the documents again, and have my credit checked, resulting in a lower credit score due to the request.
  
  SST was not cooperative with my new loan/payoff request. They have now cost me a $253/month reduction in payment and shorter loan terms.
  
  I did not ask to have my loan with SST. It was sold by ****** to SST.

  Business Response

  Date: 04/15/2024

  Please see attached response.

  Customer Answer

  Date: 04/15/2024

   
  
  Complaint: ********
  
  
  
  I am rejecting this response because: the information provided by SST is not entirely accurate nor were they timely providing a payoff quote. 

  There is no resolution for me, except to report their inability to meet customer needs and timelines. They are 100% responsible for me losing out on this refinance opportunity. 

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

  Business Response

  Date: 04/17/2024

  Dear *** *******
  
  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. SST does not purchase loans and has no ownership in these loans; it is merely the
  servicer.
  
  We understand the frustration *** ******* has expressed. All of the information available was
  provided in the prior response. We remain available to answer any questions.
  
  *** ******* may contact SST Customer Service directly at ***** ******** if we can be of further
  assistance.
  
  Very truly yours,

• Initial Complaint

  Date:04/02/2024

  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 loan was transferred from ****** ***** * *** The reward program was also transferred. If you make 12 monthly payments on time you can skip a month. My 12 months ended in February 2024. I called SST and asked to skip March. When I noticed they pulled the monthly 617,45 on March 28, 2024, I was shocked. I contacted them on the morning of March 30th and was told a supervisor would get back with me. I reach out again on April 1st with no luck speaking to a supervisor but was told once again a supervisor would reach out to me. Nothing! I have explained the urgency of my situation. My account is overdrawn as I was not expecting the $617.45 to be withdrawn from my account. I would like my money returned ASAP as I am force to borrow from other sources for their mistake.

  Customer Answer

  Date: 04/14/2024

  I received my payment back. Now I have received several emails stating they want to get me "Back on Track" because my 3/28/24 payment was not made. I AGAIN wasted time contacting SST to speak to a supervisor who AGAIN wasn't available. I explained the situation to the re who assured me that my payment would not show up negativity on my account.

• Initial Complaint

  Date:03/29/2024

  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.

  I have been calling since January to request a short term payment agreement. I was told I would receive an email to sign and return to put the agreement in place. That has not happened and in the meantime I have been harassed constantly by your company demanding payment when the past due balance should have been taken care of months ago because of this agreement. I spoke to someone two weeks ago who said that I'd be manually receiving this email but they were moving onto February requests so they didn't understand why my request, submitted in January had not been processed. I was told to "continue waiting" to receive the email which has not been sent. At this point I'm disgusted that my account has not been handled and I'm continued to be harassed by people who cannot assist me. I have spent countless hours on the phone getting no where and at this point I'd like my past due balance taken care of by your company since you're incapable of sending proper documentation when requested.

  Business Response

  Date: 04/18/2024

  Please see attached response.

  
  Dear *** *******
  
  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:
  
  Contrary to the Complaint, SST sent ******** **** all documentation to complete the requested Short-
  Term Assistance Program (STAP) on multiple occasions. SST originally sent *** **** the
  documentation to start the program on January 21, 2024, which was not signed. We understand from
  the Complaint that *** **** experienced technical issues and was unable to access the documentation.
  However, on April 3, 2024, SST requested to have the documents resent to *** **** as the previous
  documentation expired. The documentation sent on April 3, 2024, has not yet been signed by *** *****
  
  In order to qualify for the STAP, SST must receive the signed documentation. As the documentation has
  not yet been signed, SST’s system currently reflects that *** ****** account is past due.
  
  If *** **** has any further questions or concerns, or if she would like assistance with the signing of the
  program documentation, she may contact SST Customer Service directly at ***** *********
  
  Very truly yours,
  
  
  * ***** *******
  Compliance Officer
  Systems & Services Technologies, Inc.
  
  

• Initial Complaint

  Date:03/28/2024

  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 loan was transferred to this company from ******* ****** sadly. After a year of on time payment, the customer is eligible for a deferred one month payment with no interest added. This program was part of ******* ***** incentive and with the transfer is also supposed to valid. After multiple calls to get this incentive initiated, I was told that the deferred payment would be applied for February. This did not happen as the funds were erroneously taken from my account. I immediately called due to the error and had to wait 9 days to get the funds deposited back into my account. Due to the error, I was told by the supervisor, ******* ******* that the March payment would be pushed back and nothing due until April. This coincided with the mail I received from their company that stated that my payment would begin automatic debit on April 16, 2024. I began receiving past due notifications on March 20 saying that I missed my payment. I have been calling multiple times to get this resolved. I have a recorded message, thankfully, with ******* ******* stating everything that I was told, including no payment due until April. I am currently at this moment on hold with SST now for 40 minutes to get this resolved. This is my fourth attempt since I began receiving past due notifications and now still battling to get them to honor what I was told.

  Business Response

  Date: 04/16/2024

  Please see attached response.

• Initial Complaint

  Date:03/22/2024

  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.

  I had a loan with ****** ******* *****, I made 100% on time payments. I never had reporting or credit issues when they managed my loan. Out of the blue in December of 2023 all personal loans were sold to SST. There was a huge lack of communication and paperwork, a major failure by ****** and SST. I’ve made my payments 100% on time with SST and I have all documentation and screenshots of when payments were made with the dates as well as all banking information to support this. My credit score was affected by this change that was out of my control when it was closed and reopened with a new servicer. I then get a notification that my loan was closed with SST. Yet again, it reappeared on my credit as a new loan and tanked my credit score AGAIN. Weeks later I then get another notification, my payments are late and they’ve been reported as late payments. I’ve NEVER had a late payment to SST, it never happened. AGAIN, it tanked my credit with the false late payments.
  
  This continuous back-and-forth of changing my loans and dropping my credit score is unacceptable. The inaccurate reporting of payments is further unacceptable. This has now affected my credit drastically and they need to be held accountable. Not only do they need to correct this with all credit bureaus they owe people compensation for the credit scores that they have ruined. I shouldn’t have to contact credit, bureaus and beg for them to make this right. This is not on me. I’ve been responsible and made my payments. They have been incompetent at reporting correct payments. They continue to mess with peoples credit scores. This affects peoples lives.

  Business Response

  Date: 04/04/2024

  Please see attached.

  e: Case # ******** * ****** *******
  
  Dear *** *******
  
  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.
  SST has no ownership in these accounts.
  
  We’ve completed our review of the account in question and found the following:
  
  *** *******’s account with ******* ****** was assigned to SST on December 11, 2023, for servicing.
  SST does not own the loan.
  
  The Account is current and has never been past due and has never been reflected as past due in our credit
  reporting.
  
  If *** ******* has any further questions or concerns, he may contact SST Customer Service directly at
  ***** *********
  
  Very truly yours,
  
  
  * ***** *******
  Compliance Officer
  Systems & Services Technologies, Inc.
  
  

• Initial Complaint

  Date:03/22/2024

  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 paid off my loan account with SST on March 1,2024. After waiting the allotted time to request for my saving be transferred to my back account, I have still not received my funds! I did speak with an agent ****** ***** at SST that stated SST did not mark my account paid until March 18,2024 and even though the system allowed me to request the funds on March 16,2024 I still would not receive the Friday March 21,2024 or Monday March 25,2024. It’s sad that I never had an issue with ****** yet as soon as they sold the account all they terms or withdrawn you own money changes. Yet they expect payment on time but don’t give back on time.

  Business Response

  Date: 04/11/2024

  Please see attached response.

  Re: Case # ******** * ****** *****
  
  Dear *** *******
  
  We appreciate the opportunity to respond to the above-referenced complaint your office brought to our
  attention. Systems and Services Technologies, Inc. (“SST”) is a loan servicing and payment processing
  company that is committed to resolving customer service issues in a cooperative and expeditious manner.
  
  Our records reflect that on December 3, 2021, ****** ***** entered into and signed for a ****** ******
  * **** ***** *************** **** ("the Contract"), financing $4,000.00 with ********** **********
  Inc., doing business as ****** ("SeedFi") and funded by ***** ***** ****. According to the Contract,
  *** ***** agreed to make 50 semi-monthly payments of $100.00 every other Friday, beginning on
  December 24, 2021, with one final payment of $99.92.
  
  As a New Jersey Chartered, FDIC-insured Bank, ***** ***** **** ("Bank") offers credit products
  through its strategic marketplace lending platform partners, including ******* pursuant to its bank charter
  and Section 27 of the Federal Depository Insurance Act *** ***** ****. The Bank originates such loans
  as the lender of record in accordance with its credit criteria and applicable laws, rules, and regulations.
  ****** assists in processing credit applications and services these on an ongoing basis on behalf of, and
  with direct oversight by, the Bank.
  
  A portion of the **** funds were deposited in a Savings Account held by ***** ***** ****. On or
  about December 5, 2022, ****** transferred servicing of the Loan to SST. SST sent a letter to Ms. Jones
  on December 7, 2022, advising of the transfer. The Savings Account created as part of the loan
  transaction has remained at all times with ***** ***** *****
  
  At the time of servicing transfer, the Account had a balance of $2,777.63. All payments received have
  been properly applied to the Account. The last payment received was an Autodraft payment on
  March 1, 2024, for $97.57. Autodraft payments were also cancelled March 1, 2024, as the Account was
  paid off.
  
  On March 16, 2024, *** ***** submitted a request through SST's customer website to transfer the
  savings balance to a bank account ending in ***** The ******* ***** transfer of $2,517.74 was
  completed on March 25, 2024.
  
  ________________________________________________________________________________________________________
  Hours of Operation: Monday through Friday from 7am-8pm CT, Saturday from 8am-12pm CT
  Payment Address: **** *** ***** ***** ******* ** **********
  Correspondence ******** ** *** **** *** ******* ** **********
  Physical Address: **** ******* ** *** ******* ** **********
  Customer Service Toll Free Telephone: ***** ********
  Page 2 of 2
  
  
  If *** ***** has any further questions, she may contact Customer Service directly at ***** *********
  
  Very truly yours,
  
  
  * ***** *******
  Compliance Officer
  Systems & Services Technologies, Inc.