ComplaintsforSystems & Services Technologies

• Initial Complaint

  12/09/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  there was an unauthorized attempted withdrawal from my checking account. I don't know what this company is about and don't have any previous contact or communications from this company. If this this from SeedFi please notify me of any changes from the company itself.

  Business response

  12/20/2022

  Please see attached response.We appreciate the opportunity to respond to the above-referenced complaint your office brought to our
  attention. Systems and Services Technologies, Inc. (“SST”) is a loan servicing and payment processing
  company that is committed to resolving customer service issues in a cooperative and expeditious manner.
  
  We’ve completed our initial review of the account in question and found the following:
  
  On July 13, 2022, ******** ****** opened a SeedFi Borrow & Grow Plan and signed for a Savings-
  Secured Loan (“the Contract”) financing $7,000.00 funded by ***** ***** ****. According to the
  Contract, *** ****** agreed to make 81 bi-weekly payments of $125.00, beginning on August 3, 2022
  plus a final payment of $41.22. On or about December 5, 2022, servicing of the Loan was transferred
  to SST for servicing only. Notice is prominently displayed on SeedFi’s website, ********** and was
  sent to the individual consumers. The Savings Account created as part of the loan transaction has
  remained at all times with ***** ***** ****. Copy of his Contract is attached.
  
  The terms and conditions of *** ******’ Loan Account remain unchanged and the Savings Account at
  ***** ***** **** remains open with a current balance of $3,518.52. Once the remaining loan balance,
  currently $6,436.45 is paid off, SST will notify ***** ***** **** to release the security interest and
  provide the funds contained in the Savings Account to *** ******.
  
  *** ******’ last autodraft payment was for $125.00 on December 7, 2022. His Account is current and
  due for next payment on December 21, 2022. Copy of the payment history is attached.
  
  If *** ****** has any further questions or concerns, he may contact SST Customer Service directly at
  ***** *********
  Very truly yours,
  ** ***** *******
  Compliance Officer
  Systems & Service

• Initial Complaint

  12/09/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company took over ****** . I requested to pay off my loan which ****** takes out electronically.. now this company is stating they didn’t have that info and are not sending me My savings check electronically .. they have different terms that ****** . And are also charging me a late fee .. I need my money out of this company as promised in savings ..they don’t seem To understand what they are doing .. they will be sued .. this company is stealing money from People. ..

  Business response

  12/20/2022

  Please see attached response.  Thank you.

  Re: Case # ******** * ****** *******
  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 November 9, 2021, ****** ******* opened a ****** Borrow & Grow Plan and signed for a Savings-
  Secured Loan (“the Contract”) financing $4,000.00 funded by ***** ***** ****. According to the
  Contract, *** ******* agreed to make 35 monthly payments of $160.00 beginning on November 30,
  2021 plus a final payment of $51.64. A portion of the Loan funds were deposited in a Savings Account
  held by ***** ***** ****. On or about December 5, 2022, servicing of the Loan was transferred to
  SST for servicing only. Notice is prominently displayed on ******** website, ********** and was sent
  to the individual consumers. The Savings Account created as part of the loan transaction has remained
  at all times with ***** ***** ****.
  On December 9, 2022, *** ******* contacted SST to discuss her account as she was confused because
  she could no longer view her information on the ****** website. SST helped her set up access to view
  the loan account being serviced by SST on ****************
  The terms and conditions of the loan account remain unchanged, and the Savings Account at ***** ***** **** remains open with a current balance of $ 2,005.00. Once the remaining loan balance,
  currently $3,011.32 is paid off, SST will notify ***** ***** **** to release the security interest and
  provide the funds contained in the Savings Account to *** *******.
  As of the date of this letter, *** ******* is 19 days past due for the December 1, 2022 payment. Late
  fees on *** *******’s Account total $105 and were assessed by the prior servicer ******* SST has not
  assessed any late fees to date.If *** ******* has any further questions or concerns, she may contact SST Customer Service directly at

  ***** *********
  Very truly yours,
  * ***** *******
  Compliance Officer
  Systems & Services Technologies,

  Customer response

  12/20/2022

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Assumed Answered] 
  Complaint: ********
  I am rejecting this response because:
  Regards,
  ****** *******

  They are lying .. they never helped getting anything set up .. I have emailed about how to pay off many times .. no response . They don’t  have a way to pay it seems online . They will keep adding fees .. and they also have no set time

  Line to release my savings funds like ****** did.. so in fact these are not the same terms 

  
  

• Initial Complaint

  12/07/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  Dear BBB, I took out a Borrow & Grow Loan from ****** on 9/19/2022 for $3500. The loan has 2 parts: $1,000 which was deposited directly into my checking upfront & $2500 added to ****** savings that would be made available in 24 mos. when the terms of the loan were me. Monthly payments of $200 payable the 1st of each mo. I contacted ****** on 10/24 requesting restructuring of the loan due to salary reduction. They kindly modified the loan & reduced payments to $100/mo. On 12/3 ****** emailed a notice saying all Borrow & Grow Plan holders were being transferred to SST and that all terms would remain the same. This has not been the case. I called twice this week and the SST reps I spoke with are ill-informed, rude, and kept repeating over and over that my payment in the system is showing as $200. I made a $100 payment online on 12/5 as our SST account numbers were not made available until that date. I have since called ****** and a rep stated they no longer have access to Borrow & Go Plan Member account info since the loans were sold. My SST account number is: ********* I am attaching all required documents including both loan agreements (original and modified) as well as correspondence from ****** to me and me to SST. All that I am asking for SST to honor their commitment to keeping the terms the same per ******'s written correspondence (also attached). My account is now showing as delinquent in their system. I would avoid anyone to steer clear of SST as this truly has been a nightmare company to deal with. Can you please assist? Many thanks! - ****** *********

  Business response

  12/28/2022

  Re: Case # ******** – ****** *********
  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 September 10, 2022, ****** ********* entered into and signed for a Savings-Secured Loan (“the
  Contract”) financing $3,500.00. According to the Contract, *** ********* agreed to make 23 monthly
  payments of $200.00, beginning on October 1, 2022, with a final payment of $2.40. On
  December 5, 2022, the Account was assigned to SST for servicing.
  On December 6, 2022, *** ********* contacted SST via email stating her loan terms were changed in
  October with the prior servicer as she had a reduction in salary, so her monthly payment was reduced to
  $100.00. SST showed the original payment amount due and borrower did not want this to adversely
  affect her credit. SST’s investigation confirmed the monthly payment amount was reduced to $100.00
  and updated her account.
  The terms and conditions of the Loan Account were not changed by the transfer in servicing, and
  *** *********’s Savings Account at Cross River Bank remains open with a current balance of
  $ 2,500.00. Once her remaining balance of $3,323.06 is paid off, SST will initiate the release of the
  funds contained in the Savings Account to her.
  If *** ********* has any further questions or concerns, she may contact SST Customer Service directly
  at ***** *********

  Customer response

  12/30/2022

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  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.
  
  Regards,
  
  ****** *********

• Initial Complaint

  12/07/2022

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  In Jan of 2022 I entered into a borrow and grow plan for 4000$ with ******* I received 2000$ upfront and 2000$ was deposited into a savings account. My payments were 160$ for 36 months. Once I paid back the 4000$ plus interest I would receive the money in the savings account. I paid my loan off on Dec 2,2022 per my contract with ****** I would have access to my savings account and could transfer the money into my bank account electronically. Well after I paid my loan off I was notified that SST had my account now I contacted them and asked when I would have access to my money in my savings account per the contract I signed it says I would receive my money in 7 days via bank transfer. SST is now telling me I have to wait 30 days to have a checked mailed to me I never signed a contract with SST haven’t seen any documentation from SST stating there rules or policies jus was told by a representative it would take 30 days by mail to receive my money. I think they are holding my money hostage to collect the interest. It’s my money release if I held up to my obligation per the contract.

  Business response

  12/21/2022

  Please see attached response.Re: Case # ******** * ***** ******
  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:
  ***** ***** **** sold parts of its Accounts Receivable to ******* who then transferred those
  Accounts to SST for servicing only, on December 5, 2022. The Savings Account created as part of the
  loan transaction has remained at all times with ***** ***** *****
  On January 17, 2022, ***** ***** signed an Agreement (“the Contract”) financing $4,000.00 for a
  Savings-Secured Loan with ************ ***** ****. According to the Contract, *** ***** agreed to
  make 36 monthly payments of $160.00, beginning on February 1, 2022. On December 5, 2022, the
  Account was assigned to SST for servicing.
  On December 12, 2022, Mr. Minor called SST to see when his fund in his Savings Account be released
  for withdrawal since the loan was paid in full per the loan agreement.
  Please know that on December 9, 2022, the funds in *** ******* Savings Account were released and
  our review of his account confirmed the funds were successfully withdrawn from his savings account
  on December 12, 2022.
  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

  12/06/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I had a borrow and grow plan with ****** and I paid it off a week ago. Paying off that loan in full was supposed unlock my savings of 2,500 that I was supposed to be able to withdraw yesterday per an email I received from a ****** rep. Over the weekend I logged into check the status of my savings and everything was gone and there was a statement on ******'s website saying that the borrow and grow loans were now being serviced by SST. I was on the phone and on hold with SST first thing yesterday morning trying to find the 2,500 that is rightfully mine and they didnt formally have a record of it. I was told I had to wait 10 days from the time the loan was paid and that I can email documentation from my bank to show it was taken out of my checking. The company was also supposed to email a new account number to log into their site based on ******a letter and I never received that either. I sent in all of my documentation and haven't heard anything back. The savings is rightfully mine and I'm not getting any status of where that money is or when I will have access to it. The transition to SST and SSTs lack of knowing what is going on with customers from ****** is concerning.

  Business response

  12/21/2022

  Please see attached response.
  December 21, 2022
  BBB of Greater Kansas City
  8080 Ward Parkway, Suite 401
  Kansas City, MO 64114
  Re: Case # ******** * ***** ******
  
  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:
  ***** ***** **** sold parts of its Accounts Receivable to ******, who then transferred those Accounts
  to SST for servicing only, on December 5, 2022. The savings account created as part of the loan
  transaction has remained at all times with ***** ***** *****
  On August 5, 2022, *** ****** entered into an Agreement (“the Contract”) with ****** financing
  $3,500.00 for a Savings-Secured Loan funded by ***** ***** ***** According to the Contract, she
  agreed to make 45 bi-weekly payments of $100.00, beginning on September 2, 2022, with one final
  payment of $61.57.
  On December 5, 2022, *** ****** contacted SST requesting the funds of $2,503.14 be released for
  withdrawal in her Savings Account since the loan was paid in full per the loan agreement.
  Please know that on December 9, 2022, the funds in *** ******** Savings Account were released and
  our review of her Account confirmed the funds were successfully withdrawn from her Savings Account
  on December 12, 2022.
  If *** ****** has any further questions or concerns, she may contact SST Customer Service directly at
  ***** *********
  Very truly yours,
  ** ***** *******
  Compliance Officer
  Systems & Services Technologies, Inc

• Initial Complaint

  10/05/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I'm depressed and suicidal after dealing with the unauthorized use of my personal information. Which resulted in this unauthorized item on my credit report. I sent letters over 30 days ago and they failed to get back with me with sufficient validation. This account violates the FDCPA and must be deleted immediately because those are serious violations and I could be compensated for them.

  Business response

  10/19/2022

  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 and found the following:
  
  On October 12, 2017, ********* ****** signed a contract with ********* **** financing $10,213.23 to
  purchase a 2018 Kaufman W50 Black Cargo Trailer. According to the Contract, Ms. ****** agreed to
  make 84 monthly payments of $215.96 beginning on November 12, 2017. On October 13, 2017, the
  Account was transferred to SST to service and a welcome letter was sent to advise of the transfer.
  
  Ms. ****** made her monthly payments until her last online payment on December 9, 2019 in the
  amount of $427.88, bringing the Account current for the December 26, 2019.
  
  On February 21, 2020, SST began the repossession process due to Ms. ******** representation that the
  trailer was in jeopardy as it was in possession of a third-party who refused to return it. Ms. ****** gave
  the last known location of the cargo trailer for SST to recover. Unfortunately, as of this date, SST has
  been unable to find and recover the trailer.
  
  On April 30, 2020, Ms. ******** Account charged-off due to it being 127 days past due with a balance
  of $9,100.89.
  
  SST reports accurate information to the three major credit bureaus -- ********* ******** *** ***** *****
  -- on a monthly basis. SST does not remove or correct information unless such information is later
  deemed inaccurate. According to SST’s review, it is currently reporting Ms. ******** account
  accurately.

• Initial Complaint

  09/26/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I took out a loan for $1300, payed about $50 a week totaling around $500. I didn’t realize they started failing and I didn’t know this was occurring until I got a letter in my email. I tried emailing and can not get a response. I have sent in writing that I want to make a payment multiple times. I am hard of hearing so cannot talk on the phone and am getting very frustrated trying to take care of this matter as I do not want a derogatory account showing up on my credit. I cannot make a payment online without calling. It is saying I need to pay $860 to get this current or $1872 to pay this off. I would like to set up a payment plan of some sort to settle this debt. I would like someone to email me and help regarding this complaint. My account number is ********.

  Business response

  10/07/2022

  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:
  
  Ms. ****** signed an Installment Loan Agreement for a signature loan with ************** ******** **** ***** *** **** ******* ************ *** on March 25, 2022, in the amount of $1,300.00,
  with an interest rate of 164.9982%. Ms. ****** agreed to make 52 weekly payments of $51.29 with the
  first payment being due on April 1, 2022. Ms. ******** Account was transferred to System and
  Services Technologies, Inc. (SST) as servicer on the Account on March 28, 2022, and a welcome letter
  was sent to advise of transfer.
  
  Ms. ****** was set up on Electronic Funds Transfer (EFT) for her weekly payments of $51.29 until
  June 28, 2022, at which time EFT was cancelled as two or more payments were returned because of
  insufficient funds. NSF letters were sent to Ms. ****** to advise of the returned payments.
  
  SST tried to reach out to Ms. ****** on several occasions via phone, letters, and text messages to
  advise of her Account status with no response from her.
  
  As of October 5, 2022, Ms. ******** Account is 124 days past due for the June 3, 2022 payment. The
  total amount due is $1,014.51 which includes current due of $51.29, past due of $923.22, late charges
  of $20.00 and NSF fees of $20.00. The last payment received from Ms. ****** was on June 24, 2022
  via EFT; however, it was returned on June 25, 2022 for insufficient funds.
  
  If Ms. ****** has any further questions or concerns, she may contact SST Customer Service directly at
  ***** ******** ** ***** ******** ***, as we are unable to discuss Account information via email.
  
  Very truly yours,
  
  
  ** ***** *******
  Compliance Officer
  Systems & Services Technologies, Inc.
  

  
  

  Customer response

  10/07/2022

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Assumed Answered]
  
  Complaint: ********
  
  I am rejecting this response because:

  I stated I am unable to communicate via phone as I have a hearing disability. I keep receiving the run around that I need to call which is not an option for me. I would be willing to pick up the weekly payments if possible, or even set up a payment plan but I am unable to respond via phone. I could communicate in writing if need be- but I need to be sent an address. 
  
  Regards,
  
  ***** ******

  Business response

  11/08/2022

  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. 
  In our previous response of October 7, 2022, we provided Ms. ****** a TTY (which stands for 
  teletypewriter) number to use when speaking with us, as this is how we normally communicate with 
  our customers. If this does not work for her, while it is not our standard practice to discuss Account 
  information via email due to privacy issues, we would make an exception and communicate with her 
  via email. We have sent Ms. ****** an email asking her to confirm the details of payment 
  arrangements for which she can resume.
  As of November 8, 2022, Ms. ******** Account’s payoff is $1,899.37. As a one-time courtesy, we will 
  waive all Late fees and NSF fees, a combined total of $40.00, to be taken off this balance. The last 
  payment received from Ms. ****** was on June 24, 2022, via EFT; however, it was returned on June 
  25, 2022, for insufficient funds.
  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

• Initial Complaint

  08/26/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1681. Delete this unverified and inaccurate account.

  Business response

  09/09/2022

  Please see attached response.  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 initial review of the Account in question and found the following:
  On September 28, 2016, Mr. ***** signed a Closed-End Note (“the Contract”) financing $3,125.00 for
  a signature loan with the original creditor ******* ********, a Division of ********** ****.
  According to the Contract, Mr. ***** agreed to make 36 monthly payments of $137.50, beginning on
  November 1, 2016. In 2019, ******* ******** ceased operations and transferred its Accounts
  Receivable, including that of ***** *****, to ******* ***** *****, who, on August 10, 2019, placed the
  Account with SST as the servicer.
  
  Our records indicate that Mr. *****’ Account charged off on August 31, 2019, due to the Account
  being five months past due and was assigned out for collections.
  
  SST had no contact with Mr. ***** regarding his Account during the time SST serviced the loan.
  
  On September 1, 2020, Mr. *****’ Account was Servicing Released to ********* ******* ******** ***
  who can be contacted by phone at ************.
  
  SST received several disputes from Mr. ***** via E-Oscar disputing the Account and claiming fraud
  after the Account was servicing released. SST responded to Mr. *****’ disputes reflecting the Account
  had been serviced released and verified Account was reporting correctly to the credit bureaus. SST
  sent letters to Mr. ***** advising SST received his fraud allegation and to advise that SST was no
  longer servicing the Account.
  
  If Mr. ***** has any further questions or concerns, he may contact SST Customer Service directly at
  ***** *********

• Initial Complaint

  08/20/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I worked with a company that had a partnership with a company called ***********. I had positive experiences with ** and so because of this when the young lady who was a rep there came in I asked her about something I received in the mail in November from them about loans. She and ***** bounced back and forth as our rep. She explained the process to me and in January I asked her to finally help me sign up, the week of January 10th 2022. I asked her what the interest would be. She looked over my offer bc I didn’t understand it and she said it was 16% and you had 90 days to pay it out same as cash plus an additional 50 fee. Similar to the other flex program. I said no problem. She had me fill in my info on my phone and She helped finish the rest bc I’m not really familiar with how to do this type of stuff. But we were moving and so it seemed like it would be helpful to move and not be tight. 2100 was funded I’m assuming through SST. I didn’t get a choice in the financier as far as I know. She just told me I got approved told me those terms and had me enter my bank info for the rest. I’m expecting to pay back 2436. After making payments weekly of 83.15$ I called in April to pay the remaining 1488, I had paid 997.80 into it. out and was told the interest was 165%! That’s $3000 more than what I borrowed! If I knew that I wouldn’t have even signed up! When I called sst to discuss it, they said I signed it and there was nothing I could do. I explained I got help from a rep I didn’t get to even fully read it! It was misleading! I asked to speak to a supervisor. one had to call me back and it took him almost 3 days to do so. But fine. I offered the 1488 I had and he had an attitude and told me no. I Asked for their own settlement offer. No luck.I attempted to call FS back about the rep, she’s no longer with the company, there is nothing they can do. To date; I’ve paid 1663. I just want to be contacted to reach a settlement amount bc I don’t want this effecting my credit.

  Business response

  09/06/2022

  Please see attached response

  We appreciate the opportunity to respond to the above-referenced complaint your office brought to our
  attention. Systems and Services Technologies, Inc. (“SST”) is a loan servicing and payment processing
  company that is committed to resolving customer service issues in a cooperative and expeditious manner.
  We are sorry to hear about ****** *******’ recent unsatisfactory experience with us and make every
  reasonable effort to resolve customer complaints in a timely manner whenever reasonably practical.
  
  We’ve completed our initial review of the account in question and found the following:
  
  On January 12, 2022, ****** ******* signed an Installment Loan Agreement (“the Contract”) financing
  $2,107.70, with an interest rate of 164.9982%. Customers are required to read and scroll through the
  Loan Agreement setting forth the loan terms (i.e. the interest rate, total finance charges, number of
  weekly payments and amounts, before they are able to electronically sign the Loan Agreement. Truth
  in Lending Act Disclosures state that: the Annual Percentage Rate will be 164.9982%; the Finance
  Charges will be $2,216.27; the Amount Financed is $2,107.70; and the Total Amount of Payments will
  be $4,323.97. According to the Contract, Mr. ******* agreed to make 52 monthly payments of $83.15,
  beginning on January 19, 2022. On January 12, 2022, ************** ******** **** ***** *** ****
  through ***********, LLC placed the Account with SST as the servicer, at which time, Mr. *******
  received a welcome call advising that funds would be available within 72 hours. He asked about an
  early payoff option and was informed he may pay it off early which would reduce the total interest
  paid for the loan.
  
  His Account was originally set up for weekly automatic draft payments until February 10, 2022, when
  he began making payments on the website with his debit card.
  
  On March 30, 2022, Mr. ******* called SST and spoke with an SST agent requesting to speak with a
  manager or supervisor about his interest rate. The agent advised what the interest rate was on his contract
  and that SST was unable to change it. A supervisor tried to reach Mr. ******* on March 31st but spoke
  with his husband who advised he was not available and to try back Monday.
  
  On April 7, 2022, an SST supervisor made a second attempt to reach Mr. ******* and again spoke with
  his husband again and was advised Mr. ******* was not available. Mr. *******’ husband advised best time
  to reach him would be on the weekends. The supervisor advised she would like to speak with him
  personally and was advised to call back on Monday.
  
  SST did continue to make contact attempts via phone and letters due to the account being past due.
  
  As of September 1, 2022, Mr. *******’ account is 78 days past due for the June 15, 2022 payment. The
  total due amount is $1,042.80, which includes current due of $83.15, past due of $914.65 and late charges
  of $45.00. The last payment received by Mr. ******* was on June 22, 2022, in the amount of $83.15
  made via web pay at accountinfo.com.
  
  SST will reach out to the customer in an effort to work out a payment arrangement, in the meantime,
  the Lender will expect the customer to abide by obligations and terms of the Loan Agreement.
  
  If Mr. ******* has any further questions or concerns, he may contact SST Customer Service directly at
  ***** *********

• Initial Complaint

  08/11/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I mailed in on 7/12/22 a cashier's check to pay off my loan with Systems & Services Technologies. My account number is ******** and the check was mailed to P.O. Box *************** ** *****. Attached is copy of the cashier's check. My account still doesn't show this check being received. I have sent several emails and calls, but no one responds.

  Business response

  08/24/2022

  Please see attached business response.

  We appreciate the opportunity to respond to the above-referenced complaint your office brought to our attention.  Systems and Services Technologies, Inc. (“SST”) is a loan servicing and payment processing company that is committed to resolving customer service issues in a cooperative and expeditious manner.
  
  We’ve completed our initial review of the Account in question and found the following.  On April 11, 2017, ******* * ******* signed a Retail Installment Contract (“the Contract”) financing $18,000.00 to purchase a 2013 **** ***** ***** ***** *** ******************  According to the Contract, Mr. ******* agreed to make 120 monthly payments of $237.37, beginning on May 11, 2017.  In April 2017, his Account was placed with SST for servicing.
  
  SST’s policy and practice is to post payments on the day they are received and identified. Payments submitted online are posted immediately. Payments submitted by US Mail are posted once received, identified, and processed by SST.
  
  Mr. ******* contacted SST at the end of July and early August regarding a payment he stated was placed in the U.S. mail on or about July 12, 2022. SST responded to each of the communications. At that time, SST had not received the payment. The cashier’s check was only recently received by SST and the payment posted on Mr. ********* account on August 11, 2022. The account was marked paid in full and closed.
  
  On August 19, 2022, a refund in the amount of $145.70 was mailed via check to Mr. *******.
  
  If Mr. ******* has any further questions or concerns, he may contact SST Customer Service directly at ***** *********

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