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:03/04/2024

  Type:Customer Service 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.

  About 2 years ago through a company called SeedFi at the time received a "savings account" Loan for $4000 where they gave me $1500 up front then I paid the remaining balance into an "account" that once paid off I would then have access to the remaining $2500. I have met my obligation and paid the loan of early because I needed the funds to pay for my mother's chemo as she is battling an aggressive form of cancer and now they are blowing me off and bouncing me around from rep to rep and not helping me. Its is truly upsetting that this company will harass you relentlessly if you even go a day missing a payment literally back to back calls 20-50 times a day but when you are asking your YOUR OWN MONEY THAT IS OWED TO YOU no one is home. I sent them bank statements proving the balance was paid off which is also reflected on their own website for my account. They just keep saying we sent it over and no one cares that someone's life is on the line. No one cares about helping people only what they can get out of you. These "savings" programs are scams. WHERE IS MY MONEY???? It's mine I paid it into an account and I should be able to access my funds.

  Business Response

  Date: 03/20/2024

  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 April 4, 2022, Janay Boysaw entered into and signed for a SeedFi Borrow
  & Grow Plan, Savings-Secured Loan ("the Contract"), financing $4,000.00 with McBurberod
  Financial, Inc., doing business as SeedFi ("SeedFi") and funded by ***** ***** ****. According to
  the Contract, ***** ****** agreed to make 54 bi-weekly payments of $100.00 beginning on
  April 27, 2022, with one final payment of $35.66.
  
  As a New Jersey Chartered, FDIC-insured Bank, ***** ***** **** ******** offers credit products
  through its strategic marketplace lending platform partners, including SeedFi, pursuant to its bank
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The Bank originates
  such loans as the lender of record in accordance with its credit criteria and applicable laws, rules, and
  regulations. SeedFi 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 Loan funds were deposited in a Savings Account held by ***** ***** ****. On or
  about December 5, 2022, SeedFi transferred servicing of the Loan to SST. SST sent a letter to *****
  ****** on December 7, 2022, advising of the transfer. Notice of this transfer is also prominently
  displayed on their website, SeedFi.com. The Savings Account created as part of the loan transaction
  has remained at all times with ***** ***** *****
  
  On February 22, 2024, ***** ****** set up a payment over the telephone with a representative for the
  full balance of $903.58. At that time, the representative advised ***** ****** of the 15-day payment
  clearing period before the savings account is unlocked. The representative explained that after the
  15-day payment clearing period, ***** ****** could request the transfer of the savings balance online
  through SST's customer website, www.accountinfo.com. On March 8, 2024, ***** ****** submitted
  a request through SST's customer website to transfer the savings balance to a bank account ending in
  ***** Our records reflect that this request was processed on March 12, 2024, for $2,507.60.
  ___Please contact Customer Service directly at ***** ******** for further questions or concerns.
  
  Very truly yours,
  
  
  * ***** *******
  Compliance Officer
  Systems & Services Technologies, Inc

• Initial Complaint

  Date:03/01/2024

  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 with ****** ******* ***** was transferred to SST. Since the transfer in late 2023, I have not been able to monitor, log in, see the status, or do anything with my loan. The website has been down for the past 4 months. Statement's that SST sends out are encrypted and requires a password to see the statement. As far as I know, I am paying SST and there's no way to see or track any of my payments because all SST online services do not work. I have not been able to log in to monitor my loan status since the transfer. SST has not been responsive or willing to solve the issue. I am literally sending money to SST and not knowing what is going on with my money. No statements, nothing.

  Customer Answer

  Date: 03/12/2024

  You guys can't even get a response from this business. That is precisely the problem. I as a consumer, paying this business through reoccurring payments from ****** ** ******* ****s, have no idea where my payments are going. This business needs to be held accountable.

  Business Response

  Date: 03/19/2024

  Please see attached response.

• Initial Complaint

  Date:02/27/2024

  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.

  I took out a loan with Seedfi/SST approximately 2 years ago. I have been making bi-weekly payments on this account. While I have had a couple of return payments since December 2023, I have been making constant payments bi-weekly - so to avoid being reported to the credit bureau and keeping the delinqency less than 30 days. I have since brought all payments current. However, i was notified by two credit bureaus that this is showing on my credit report as late. I would like this removed because it is impacting my job status.

  Business Response

  Date: 03/21/2024

  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 April 26, 2022, ****** ****** entered into and signed for a SeedFi Borrow
  & Grow Plan, Savings-Secured Loan (“the Contract”), financing $4,000.00 with **********
  ********** ***., doing business as SeedFi (“SeedFi”) and funded by ***** ***** ****. According to
  the Contract, *** ****** agreed to make 72 bi-weekly payments of $80.00, beginning on May 20,
  2022 with one final payment of $71.65.
  
  As a *** ****** ********** **** ******* ***** ***** ***** **** (“Bank”) offers credit products
  through its strategic marketplace lending platform partners, including SeedFi, pursuant to its bank
  charter and Section 27 of the ******* ********** ********* *** *** ***** ***** The Bank originates
  such loans as the lender of record in accordance with its credit criteria and applicable laws, rules, and
  regulations. SeedFi 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 Loan funds were deposited in a Savings Account held by ***** ***** ****. On or
  about December 5, 2022, SeedFi transferred servicing of the Loan to SST. SST sent a letter to
  *** ****** on December 7, 2022, advising of the transfer. The Savings Account created as part of the
  loan transaction has remained at all times with ***** ***** ****. The terms and conditions of **.
  ******** **** Account remain unchanged.
  At the time of transfer, the Account balance was $3,602.64. Bi-weekly payments have been made
  since the transfer.
  
  The November 3, 2023 payment of $60.00 was returned for insufficient funds on November 14, 2023.
  On November 15, 2023, an insufficient funds letter (NSF) was mailed to *** ******. Subsequently,
  the $60.00 payment made on December 29, 2023 was returned for insufficient funds on January 10,
  2024. On January 11, 2024, an insufficient funds letter (NSF) was mailed to *** ******* The returned
  ________________________________________________________________________________________________________
  Hours of Operation: Monday through Friday from 7am-8pm CT, Saturday from 8am-12pm CT
  Payment Address: **** *** ***** ***** ******* ** **********
  Correspondence Address: ** *** **** *** ******* ** **********
  Physical Address: **** ******* ** *** ******* ** **********
  Customer Service Toll Free Telephone: ***** ********
  Page 2 of 2
  
  payment resulted in a late mark for the month of January because the payment due December 29, 2023
  was not received until February 1, 2024. The terms of the Contract expressly allow credit reporting.
  
  The last payment made on the Account was on March 20, 2024 for $60.00. The Account is current and
  due for the April 5, 2024 payment of $60.00.
  
  Please contact Customer Service at ***** ******** for further questions or concerns.
  
  
  Very truly yours,
  * ***** *******
  Compliance Officer
  Systems & Services Technologies, Inc.
  

• Initial Complaint

  Date:02/23/2024

  Type:Customer Service 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.

  Company is reporting a derogatory account on my ********** credit report. This account was opened fraudulently and further more included in a discharged bankruptcy however company refuses to remove account and/or reflect the correct status of the account.

  Business Response

  Date: 03/08/2024

  Please see attached response.

  Customer Answer

  Date: 03/08/2024

   
  
  Complaint: ********
  
  
  
  I am rejecting this response because: The response does not address nor resolve the main issue. This account was not opened by me and is a result of fraud. I have contacted SST and the company they have indicated (********) in their response. SST has not properly investigated the claim and simply replied that they "are no longer servicing the account". ******** is saying they dont do credit reporting for the account and refers back to SST. 
  
  I want a copy of all documents associated with the account (Contract, any information used at account opening etc) and information on who owns credit reporting so I can redirect to the investigation office with the police department where the fraud report was filed. If you cannot comply, then remove the fall reporting of the account with the CRAs. 
  
  
  
  Sincerely,
  
  
  
  ******* ******

  Business Response

  Date: 03/21/2024

  Please see attached response.

• Initial Complaint

  Date:02/14/2024

  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.

  In Dec 2023 my loan was held by ****** Loans. There agreement was when payment was received in 12 consecutive months you could receive a reward which will allow you to skip a month's payment, no interest fee involved. I phoned and requested this reward to be added. I was approved to skip the month of January 2024 payment and was going to be sent info until ****** transfered the loans to sst. I immediately phoned sst about this and was told because the agreement was through ******, I would be honored this. As the January due date came along, I was charged and received an overdraft fee as well being in the negative. I called and complained and was told they would honor next month (February 2024) as my skipped payment month. The statement received (attached) even showed my next payment would not be in February but in March 2024. As of today, I once again was charged after countless calls, emails as well as confirmation from customer service that this would not happen again. I am $-100 in my account and FURIOUS!!! I needed that money for living expenses and they took it without warning!!!

  Customer Answer

  Date: 02/14/2024

  Hello, I recently sent a bbb to sst servicing. I would like to cancel this bbb as a customer service representative spoke to me and a credit was applied to my account in the amount that was requested.
  

• Initial Complaint

  Date:02/09/2024

  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.

  I received a letter from SST via email approximately around the first week of December 2023 stating that my account is paid in full and to contact SST regarding my refund. After reading the letter I immediately called SST and was told that my account is paid in full and a refund for the amount of $499.93 was due back to me from my loan savings account since the account is now paid in full. From this time-frame of December 2023 until current February 8, 2024. I have called SST 4 times regarding my refund and have been getting the run around about my account. Each time I speak with someone I am either told that the check is in the mail already and when 10 business days go by a new story is told that other company called *** has my account. For the two times that I contacted *** at ************, I was told that they don't have my account in their system. However, before being told about ***, my refund was supposed to been already mailed to me since December 2023 and January 2024. And again in February 2024. I provided SST my new address end of January 2024 and was told a new check will be mailed on Friday, January 26, 2024 via mail from SST as a special handling in their office and that my account will not be transferred to *** for a refund since my account was paid in full already. My SST was paid in full using my savings account that was being funded as I paid off my loan. SST paid off my load using the savings account funds and their was some money left over for $499.93. I was told the amount $499.93 is owed to me twice in 2 separate calls to SST. My complaint is the consistent run around to receive my check in the mail and the constant difference processes, procedures, and location of my account that is inconsistent. I would like this issue resolved as I have been very patient and no longer trust what I am being told about receiving a check in the mail. It feels like a scam, fraud. I am requesting my check as of yesterday and not satisfied with the service of SST.

  Customer Answer

  Date: 02/21/2024

  The company has mailed the check for $499.93 as of last week and this issue has been resolved after I sent my complaint to the BBB. 

  
  

  Please close this case resolved and no further action is required. 

  
  

  Thank you,

• Initial Complaint

  Date:02/02/2024

  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 complaint with this company is almost exactly the same as all the other complaints I’ve read through. SST took over the servicing of my loan from ******* ***** and I’ve had nothing but issues since. They tell me I haven’t missed any payments yet they call telling me I owe thousands and need to make a payment. I’ve spoken with two supervisors since the second week of December and both have told me they have a glitch in their system and that all payments have been made and I am current. They continue to call demanding a payment. They text and email me saying I missed payments. They have refused to accept bank statements as proof that I’ve made all payments. Where do I go next?

  Business Response

  Date: 03/12/2024

  Please see attached response.

  Dear Ms. *******
  
  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 April 23, 2022, ******* ******** signed an agreement for a Marcus by ******* ***** loan (“the
  Contract”) financing $21,000.00. According to the Contract, Mr. ******** agreed to make 36 monthly
  payments of $682.45, beginning on May 23, 2022. On December 11, 2023, the Account was assigned
  to Systems and Services Technologies, Inc. (“SST”) for servicing. A transfer letter was sent to the
  address on file on December 11, 2023, explaining how to access the new servicing information.
  
  When the servicing transferred to SST the Account had a balance of $8,530.49 and due for the
  December 23, 2023 payment. Fifteen payments have been made on the Account since the transfer.
  
  Due to misinformation provided during the transfer, some of the ******* payments were not
  reflected, resulting in the attempted contacts. The issue was corrected by updating the due date.
  
  The Account is current and due for the March 23, 2024 payment of $682.45.
  
  If Mr. ******** has any further questions or concerns, he may contact SST Customer Service directly
  at ###-###-####.
  
  

• Initial Complaint

  Date:01/30/2024

  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.

  I had a loan with ******. This loan was for $4500, with $2500 in a savings account. My payment was $200. I had paid the loan down and at some point it was sold to SST Solutions. I continued to pay, and my balance was near the $2500 mark. I called in November of 2023, and inquired whether I would be able to use the savings account to pay off the loan and was told I would be able to pay off the loan using the savings account to apply to the balance. On December 22, 2023, I made a payment in the amount of $372.76, which was the difference between my savings and my payoff balance. I was told it would be 30 days, the account would be paid in full and I would not have to make any more payments. I received a statement in the mail around Jan 15, detailing a $200 payment. I called and inquired as to the situation, and was told the savings was processed and approved and all should be okay and not to make my January payment. I called again on January 22, and this time was told the savings account processing was NOT approved due to "formatting errors" and that the form was kicked back. They submitted this again and I was told by January 29 it should be paid off. It is currently January 29, and it is still not paid. I called again and was told it was approved and not to make a payment. I do not want to miss a payment, nor do I want this impacting my credit.

  Business Response

  Date: 03/05/2024

  March 5, 2024
  
  ****** ******
  BBB of Greater Kansas City
  **** **** ******** ***** ***
  ****** ***** ** *****
  
  Re: Case # ******** – ****** ******
  
  Dear Ms. ******:
  
  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 September 15, 2022, ****** ****** entered into and signed for a ******
  Borrow & Grow Plan, Savings-Secured Loan (“the Contract”); financing $4,500.00 with **********
  ********** Inc., doing business as ****** (“******”) and funded by ***** ***** ****. According to
  the Contract, Mr. ****** agreed to make 32 monthly payments of $200.00, beginning on
  September 30, 2022 with one final payment of $142.55.
  
  As a New Jersey Chartered, FDIC insured bank, Cross River Bank (“Bank”) offers credit products
  through its strategic marketplace lending platform partners, including ******, pursuant to its bank
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The Bank originates
  such loans as the lender of record in accordance with its credit criteria and applicable laws, rules, and
  regulations. ****** assists in processing credit applications and services these on an ongoing basis on
  behalf of, and with direct oversight by, the Bank.
  
  A portion of the Loan funds were deposited in a Savings Account held by Cross River Bank. On or
  about December 5, 2022, ****** transferred servicing of the Loan to SST. SST sent a letter to
  Mr. ****** on December 7, 2022, advising of the transfer. Notice of this transfer is also prominently
  displayed on their website, ******.com. The Savings Account created as part of the loan transaction
  has remained at all times with Cross River Bank.
  
  At the time of transfer, the Account balance was $4,146.33. 15 payments have been made since the
  transfer.
  
  The terms and conditions of Mr. ******’s Loan Account remain unchanged.
  
  As to the statement regarding the loan being “sold to SST Solutions,” please know that Systems and
  Services Technologies, Inc. (“SST”) is a loan servicer and does not have any ownership over its
  accounts; it is merely the servicer.
  
  The Savings Fund of $2,503.08 were applied on February 27, 2024 to pay down the loan balance but
  were reversed and reapplied effective December 22, 2023. This caused an overpayment of $200.00
  which was refunded to Mr. ****** on March 1, 2024.
  
  If Mr. ****** has further questions or concerns, he may contact Customer Service at ***** ********.
  
  Very truly yours,
  
  
  * ***** *******
  Compliance Officer
  Systems & Services Technologies, Inc.

  Customer Answer

  Date: 03/05/2024

  
  
  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:01/29/2024

  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 am not liable for this debt with SST/******CRB and do not have a contract with convergent. They did not remove this from credit report like I asked.
  I demand this account be deleted from my credit report immediately.

  Business Response

  Date: 02/16/2024

  February 16, 2024
  
  Re: Case # ******** – ******* ********
  
  Dear Ms. ******:
  
  We appreciate the opportunity to respond to the above-referenced complaint your office brought to our
  attention. Systems and Services Technologies, Inc. (“SST”) is a loan servicing and payment
  processing company that is committed to resolving customer service issues in a cooperative and
  expeditious manner.
  
  Our records reflect that on March 20, 2022, ******* ******** entered into and signed for a ******
  ****** * **** ****, Savings-Secured Loan (“the Contract”); financing $3,494.00 with **********
  Financial, Inc., doing business as ****** (“******”) and funded by ***** ***** ****. According to
  the Contract, Ms. ******** agreed to make 23 monthly payments of $200.00 on the third of each
  month, beginning on May 3, 2022 with one final payment of $110.71.
  
  As a New Jersey Chartered, FDIC insured bank, ***** ***** **** (“Bank”) offers credit products
  through its strategic marketplace lending platform partners, including ******, pursuant to its bank
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The Bank originates
  such loans as the lender of record in accordance with its credit criteria and applicable laws, rules, and
  regulations. ****** assists in processing credit applications and services these on an ongoing basis on
  behalf of, and with direct oversight by, the Bank.
  
  A portion of the Loan funds were deposited in a Savings Account held by ***** ***** ****. On or
  about December 5, 2022, ****** transferred servicing of the Loan to SST. SST sent a letter to
  Ms. ******** on December 7, 2022, advising of the transfer. Notice of this transfer is also prominently
  displayed on their website, ******.com. The Savings Account created as part of the loan transaction
  has remained at all times with ***** ***** ****.
  
  The terms and conditions of Ms. ********’s Loan Account remain unchanged and her Savings Account
  at ***** ***** **** remained open.
  
  The balance at the time of servicing transfer was $3,297.36. There were no payments made by the
  borrower with SST since the transfer. The Account charged-off on December 31, 2022. On March 6,
  2023, in accordance with the terms of the Contract, the Savings Funds of $2,765.13 were applied to
  pay down the Loan balance. This left a balance of $532.23 still due and owing.
  
  Pursuant to the Contract, “****** may obtain consumer reports and make direct inquiries for any
  purpose, including in connection with any modification, renewal, extension, or collection of this loan;
  administering my loan account; providing me with periodic updates of my credit score; and
  considering me for offers of other products and services. ****** may report information about my loan
  account to credit bureaus. Late payments, missed payments, or other defaults on my account may be
  reflected in my credit report.”
  
  Please contact Customer Service directly at ***** ******** for further questions or concerns.
  
  Very truly yours,
  
  * ***** *******
  Compliance Officer
  Systems & Services Technologies, Inc.

  Customer Answer

  Date: 02/17/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: Systems & Services Technologies. I am not liable for any debt owed to this company. I did not sign any legal paperwork with this company. I am unaware of this company. I am a victim of identity fraud. This company is unjustifiably claiming debt that does not belong to me. Again, I wish for this fraudulent account to be removed completely from my credit report immediately. I am unaware of any debt or or loan accounts. I’ve never heard about (SST) company until now. This is a fraudulent account and it does not belong to me. Please delete this fraudulent debt from my credit account.
  
  
  
  Sincerely,
  
  
  
  ******* ********

• Initial Complaint

  Date:01/19/2024

  Type:Delivery 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.

  ****** sold its loan portfolio to SST and in December my loan was transferred to them. I make bi-weekly payments. In the midst of transfer SST recorded only 1/2 of it. I reached out to them and explained the problem. They told me to provide the payment transactions that show the frequency of payments. I did. I called them several times they acknowledged seeing the transaction. Yet they are sending me notices that I am late on my payments and requesting full month payment. As of today I have provided copies of payments twice. Twice they sent me notices for full payment. They illegally pocket $164 plus they are charging me to interest for days my balance didn’t reach 0. They have a survey at the end of the call asking if I would hire of fire the agent I spoke with. This tells you they also have no respect for their employees.

  Business Response

  Date: 02/16/2024

  February 16, 2024
  
  ****** ******
  *** ** ******* ****** ****
  **** **** ******** ***** ***
  ****** ***** ** *****
  
  Re: Case # ******** – ****** **************
  
  Dear Ms. ******:
  
  We appreciate the opportunity to respond to the above-referenced complaint your office brought to our
  attention. Systems and Services Technologies, Inc. (“SST”) is a loan servicing and payment
  processing company that is committed to resolving customer service issues in a cooperative and
  expeditious manner.
  
  We’ve completed our review of the account in question and found the following:
  
  On January 14, 2022, ****** ************** signed an agreement for a ****** ** ******* ***** loan
  (“the Contract”) financing $18,000.00. According to the Contract, Ms. ************** agreed to make
  72 monthly payments of $324.37, beginning on February 14, 2022. On December 11, 2023, the
  Account was assigned to Systems and Services Technologies, Inc. (“SST”) for servicing. A transfer
  letter was sent to the address on file on December 11, 2023, explaining how to access the new
  servicing information.
  
  At the time of servicing transfer to SST the Account had a balance of $12,565.65 and due for the
  December 14, 2023 payment. Five payments have been made with SST since the transfer; a Wire
  transfer of $164.00 on December 18, 2023; a payment of $164.00 sent via Lockbox on December 28,
  2023; a payment of $164.00 via Electronic Lockbox on January 8, 2024; a payment of $164.00 via
  Electronic Lockbox on January 22, 2024 and payment of $164.00 via Electronic Lockbox on February
  5, 2024.
  
  The Account is set up for monthly payments in accordance with the Contract. When making bi-weekly
  payments, the system interprets this as not a full payment and shows the remaining partial payment as
  still due. Due to misinformation provided during the transfer, the $164.00 was not reflected and a
  letter was inadvertently mailed regarding the past due balance. To correct this issue, we worked
  closely with ******* ***** to obtain the funds and have appropriately applied to the Account.
  Interest was not an issue here as we backdated the payment to the date of transfer.
  
  The Account is showing past due for the February 14, 2024 payment of $324.37. Account is also due
  for the current payment of $324.37 for a total due of $648.74.
  
  If Ms. ************** has any further questions or concerns, she may contact SST Customer Service
  directly at ***** ********.
  
  Very truly yours,
  
  * ***** *******
  Compliance Officer
  Systems & Services Technologies, Inc.

  Customer Answer

  Date: 02/19/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  
  ?Prior to that transfer, I made bi-weekly payments of $164 to ******. My payments are timed in a way that the full payment is to be received before the 14 of each month.  At the time of the service transfer, I inadvertently sent my second portion of the December payment to ****** instead of SST.
  SST has never acknowledged receiving the second portion of the December payment on the 18th. I have provided them with the log of bi-weekly payments made from October to December 2024 prior to the transfer. All they had to do was to reconcile the amounts.
  

  I have to say Mr. *******’s letter is very confusing and self-contradictory. He acknowledged receiving bi-weekly payments on five occasions between December 18th to January 22nd. He also acknowledged the weakness of his system for its inability to handle bi-weekly payments. He worked with ****** *****, but the problem remains. Yet I owe a total of $648.74 when SST has received $820 during the time. Customer service is hounding me for lack of payments early in the morning. Today, they tried to impersonate ******* *****.
  I am very surprised that for a company that boasts efficiency, technology, leadership and excellent customer service, my account was poorly handled. At the time of this letter, another bi-weekly payment was sent out. I need to send $164 to make the second half of March payment. I will change the frequency starting April, but SST must correct and reconcile my account.
  I will appreciate receiving a letter from SST stating the good standing and the correct balance of my account.
  Sincerely,
  
  
  
  ****** **************

  Business Response

  Date: 02/26/2024

  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.
  We’ve completed our review of the account in question and found the following:
  In our prior response of February 16, 2024, SST stated that ****** ************** signed an agreement
  for a ****** by ******* ***** loan (“the Contract”) financing $18,000.00. According to the
  Contract, Ms. ************** agreed to make 72 monthly payments of $324.37, beginning on February
  14, 2022. On December 11, 2023, the Account was assigned to Systems and Services Technologies,
  Inc. (“SST”) for servicing. A transfer letter was sent to the address on file on December 11, 2023,
  explaining how to access the new servicing information.
  At the time of servicing transfer to SST, the Account had a balance of $12,565.65 and was due for the
  December 14, 2023 payment. Five payments have been made with SST since the transfer; a Wire
  transfer of $164.00 on December 18, 2023; a payment of $164.00 sent via Lockbox on December 28,
  2023; a payment of $164.00 via Electronic Lockbox on January 8, 2024; a payment of $164.00 via
  Electronic Lockbox on January 22, 2024 and payment of $164.00 via Electronic Lockbox on February
  5, 2024.
  The Account is set up for monthly payments in accordance with the Contract. When making bi-weekly
  payments, the system interprets this as not a full payment and shows the remaining partial payment as
  still due. Once the second half of the payment is received, then the due date will update. Due to
  misinformation provided during the transfer, the $164.00 was not reflected and a letter was
  inadvertently mailed regarding the past due balance. To correct this issue, we worked closely with
  ******* ***** to obtain the funds and have appropriately applied to the Account. Interest was not an
  issue here as we backdated the payment to the date of transfer.
  The Account is showing current and due for the March 14, 2024 payment of $324.37.

  Customer Answer

  Date: 03/04/2024

  
  
  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,
  
  
  
  ****** **************

  Customer Answer

  Date: 03/26/2024

  I received a new statement requesting twice the monthly payments. I believe the issue is not solved. Their response is a sham because nothing was done.