Complaints

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

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  Systems & Services Technologies, Inc.

  4315 Pickett Rd Saint Joseph, MO 64503-1600

• 

  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:07/22/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In May, I filed a complaint against Systems and Services Technologies to correct unfair late marks on my credit report. SST agreed to do so, with the proof attached, but has failed to follow through on their word. I’ve filed 5 complaints either Experian as well, attaching the same proof, and SST continues to deny the removal of these improper late marks.

  Business Response

  Date: 08/01/2025

  Please see attached letter. 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.
  As noted in our previous response to your BBB Complaint Case #********, dated June 5, 2025, and following a review of the matter with the creditor, SST has removed the late payment remarks from Mr. *******s credit reporting file. These updates have been submitted to the appropriate credit reporting agencies. Please allow up to 90 days for the changes to be reflected on the credit reports. If Mr. ****** has any additional questions or concerns, please contact Customer Service at ###-###-####, option 2, then option 8, to speak with a live representative during the office hours of 7:00am to 8:00pm Monday - Friday and 8:00am to 12:00pm Saturday Central Standard Time.
  Very truly yours,
  * ***** *******
  Compliance Officer
  Systems & Services Technologies

  Customer Answer

  Date: 08/10/2025

  Complaint: ********
   
  
  I am rejecting this response because:
  
  
  Today (08-10-2025) is day 83 since I was informed that this derogatory information would be removed from my credit report. At this point, it is highly unlikely that it will be removed by day 90. 
  

  Therefore, I’m rejecting this response and expect greater action to be taken to remedy this. I have suffered financial opportunity loss due to these negative marks destroying my credit report. 
  

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

  Business Response

  Date: 08/12/2025

  SST has completed all corrective actions regarding Mr. *******s account. The late payment remarks were removed and updates were submitted to all credit reporting agencies. On August 12, 2025, we sent an additional confirmation update to Experian and TransUnion; Equifax reflected no late marks. Any remaining delay is due solely to the credit bureaus’ posting timelines, which are outside SST’s control. As all required steps have been taken, SST considers this matter resolved.
  

• Initial Complaint

  Date:07/15/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing this complaint regarding a loan that was originally managed by Tally and recently transferred to SST without my knowledge or consent. In September 2021, Tally paid $2,732.09 to my Visa card and I began repaying this amount through monthly payments of $100–$120 starting in October 2021. I made consistent payments for over two years.
  In 2024, I created an account with SST and was shocked to find that my loan had been transferred and the balance had increased to over $3,400. SST now states I owe $88/month for 60 months (over $5,200 total), despite already paying well over the original loan amount. SST’s website shows only the last 3 months of activity and does not include any of my previous payments.
  When I contacted SST, I was told the account accrues daily interest and a 20% APR. I was never informed of this transfer or given a chance to opt out. I believe this loan should have been nearly paid off, and this transfer—along with the inflated balance—appears deceptive and predatory.
  I am requesting an investigation into the transfer, a full payment history, removal or correction of the loan, and cancellation of additional interest and fees.

  Business Response

  Date: 07/25/2025

  Please see attached letter. 

  Re: Case # ******** – ***** *******
  
  
  To whom it may concern:
  
  We appreciate the opportunity to respond to the above-referenced complaint your office brought
  to our attention. Systems and Services Technologies, Inc. (“SST”) is a loan servicing and payment
  processing company that is committed to resolving customer service issues in a cooperative and
  expeditious manner.
  
  According to our records on October 23, 2021, Ms. *******, signed an agreement with Cross
  River Bank c/o Tally Technologies, Inc, for a line of credit in the amount of $5,000.00 with an
  initial interest rate of 14.99% which could vary with the market based on the Prime Rate. She
  agreed to the terms and obligations outlined in the contract, which state that in the event of a
  servicing change, her line of credit will be closed. She will then be required to make equal
  monthly payments of principal and interest that fully amortize her Tally Line of Credit over a
  five-year period.
  
  Tally ceased operations in early September 2024 and transferred all open accounts to SST for
  servicing purposes Prior to the transfer, Tally sent a Truth-In-Lending Disclosures showing her,
  her balance at the time of transfer of $3,314.25 with a fixed interest rate of 20.24% and a minimum
  payment required of $88.60 due on September 24, 2024. Tally sent two notifications to each
  consumer regarding the transfer. SST additionally sent a welcome letter that included payment
  option instructions including an “Authorization to Debit Account” form to initiate electronic debit
  entries and authorize SST, and provided information about how she can self-serve her account on
  our website.
  
  Our records indicate multiple payments have been made on the account since SST became the
  servicer. The most recent payment of $88.60 was received on June 24, 2025. As of July 25,
  2025, the total amount due is $88.60 (for the July 24, 2025 due date), and the current estimated
  payoff balance is $3,066.42, with a daily interest accrual of $1.67. Ms. ******* may log in via
  our website to access her account and view her current balance.
  Page 2 of 2
  
  We understand it can be concerning to see a large portion of early payments applied to interest
  rather than principal. However, this is a common feature of amortized loans. In this structure, the
  monthly payment remains the same, but the ratio of interest to principal shifts over time:
  
  • In the early stages, a higher portion of each payment is applied to interest due to the
  higher outstanding balance.
  
  • As payments continue, more of the payment is applied to the principal as the balance
  decreases.
  
  • Over time, the loan pays down faster, especially if extra payments are made toward the
  principal.
  
  This allows for predictable monthly payments while gradually reducing the loan balance. Ms.
  ******* is welcome to make additional principal payments at any time to reduce the total
  interest paid.
  
  Please note SST is required to furnish accurate and complete information to the credit reporting
  agencies. At this time, we received her dispute through the credit bureaus related to the accuracy
  of the information reported on her account. Based on SST’s investigation, as set forth above,
  SST believes it is reporting her account accurately to the credit reporting agencies.
  
  Please be advised further that SST has no ownership interest in Ms. *******’s account or any
  of her information and the interest rate on her account was not changed by SST. As a courtesy,
  SST sent her a validation of her account. In January 2025, SST began to report information
  related to Ms. *******’s account to the credit bureaus.
  
  If Ms. ******* has any additional questions or concerns, please contact Customer Service at
  ###-###-####, option 2, then option 8, to speak with a live representative during the office hours
  of 7:00am to 8:00pm Monday - Friday and 8:00am to 12:00pm Saturday Central Standard Time.
  
  Very truly yours,
  
  * ***** *******
  Compliance Officer
  Systems & Services Technologies, Inc.
  

• Initial Complaint

  Date:07/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I originally had a fixed APR loan with Tally, and they transferred the servicing of my account to SST (Systems & Services Technologies, Inc.). I received an email from SST confirming that my loan terms would remain the same. However, after the transfer, SST began charging me interest daily (~$1.99/day), which is a much higher APR than I had with Tally.
  
  Additionally, SST began reporting this loan to credit bureaus — Tally never did — and I was never informed or given the chance to opt in or out.
  
  I never signed any new agreement with SST. The only thing they may have on file is an “authorization to debit account,” which is not consent to new terms or reporting. My payments have remained the same, and I have not missed any.
  
  I am requesting that the CFPB investigate:
  
  Why SST changed the loan terms without my permission.
  
  Why they are reporting to credit bureaus when that was not part of my original agreement.
  
  How they are calculating interest.

  Business Response

  Date: 07/25/2025

  Please see attached letter. 

  Customer Answer

  Date: 07/28/2025

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

  this isn’t even me. They sent me a response for a completely different claim. This is addresses to a gentleman named ****. This has nothing to do with my loan. WRONG PERSON 
  
  
  
  Sincerely,
  
  
  
  ***** ******

  Business Response

  Date: 07/29/2025

  Our apologies. Please see the attached letter.According to our records on April 16, 2022, Ms. ****** electronically signed an agreement with Tally Technologies, Inc. in accordance with the ESIGN ACT, for a line of credit in the amount of $13,000.00 with an initial interest rate of 12.99% which could vary with the market based on the Prime Rate. Ms. ****** agreed to the terms and obligations outlined in the contract, which state that in the event of a servicing change, her line of credit will be closed. She will then be required to make equal monthly payments of principal and interest that fully amortize her Tally Line of Credit over a five-year period.

• Initial Complaint

  Date:06/28/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company had been reporting my account as delinquent on my credit. Despite me paying them monthly. But have yet to show me proof of money that is actually owed to them from tally.

  Business Response

  Date: 07/10/2025

  Please see attached letter. We appreciate the opportunity to respond to the above-referenced complaint your office brought
  to our attention. Systems and Services Technologies, Inc. (“SST”) is a loan servicing and payment
  processing company that is committed to resolving customer service issues in a cooperative and
  expeditious manner.
  According to our records on June 2, 2022, *** ************ signed an agreement with ***** ***** **** *** ***** ************* **** *or a line of credit in the amount of $5,000.00 with an
  initial interest rate of 11.99% which could vary with the market based on the Prime Rate. She
  agreed to the terms and obligations outlined in the contract, which state that in the event of a
  servicing change, her line of credit will be closed. She will then be required to make equal
  monthly payments of principal and interest that fully amortize her ***** Line of Credit over a
  five-year period.
  Tally ceased operations in early September 2024 and transferred all open accounts to SST for
  servicing purposes Prior to the transfer, ***** sent a Truth-In-Lending Disclosures showing her,
  her balance at the time of transfer of $4,391.34 with a fixed interest rate of 16.49% and a minimum
  payment required of $109.05 due on October 3, 2024. ***** sent two notifications to each
  consumer regarding the transfer. SST additionally sent a welcome letter that included payment
  option instructions including an “Authorization to Debit Account” form to initiate electronic debit
  entries and authorize SST, and provided information about how she can self-serve her account on
  our website, www.accountinfo.com.

• Initial Complaint

  Date:06/11/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company is reporting information that is not true or correct to the credit reporting agencies. I have called this company to resolve this issue. The agent told me if I submitted a payment my account would be paid in full, and this will resolve all credit issues and agreed to remove anything from credit report. I submitted payment and this is still showing up on my credit. I would like the company to follow on their end of the agreement. when I call now I am sent from agent to agent and asked to call a number where no one returns my call.

  Business Response

  Date: 06/19/2025

  Please see attached letter. Thank you. $2,5000.00 of the $4,000.00 was deposited in a Savings Account held by Cross River Bank. On or about
  December 5, 2022, SeedFi transferred servicing of the loan account to SST and a welcome letter was
  sent on December 7, 2022. The savings account created as part of the loan transaction has always
  remained with Cross River Bank. The terms and conditions of the loan remain unchanged.
  Review of the payment history reflects brief regular payments made to SeedFi for the agreed upon
  amount of $95.00 from September 29, 2022, to November 24, 2022. Following the transfer of service,
  payments continued from December 9, 2022, to August 7, 2023. Thereafter, payments stopped, and no
  further payments were made to SST. The remaining balance following the last payment was $2,994.71. 

  Customer Answer

  Date: 06/19/2025

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

  The respondent indicates throughout
  the letter that I was given a loan; however, I would like to clarify
  that no loan was ever issued to me. My agreement with Seedfi required allocating my
  funds into a savings account, reported to credit agencies.  I was assured that I could terminate the
  account at any time, and at no point was a loan extended to me.
  
  During a phone call on December 26, 2023,
  the agent informed me that the individual I was being transferred to was
  part of a department within SST that would consider my proposal to pay my
  account in full and consequently remove any negative entries from my credit
  report.
  
  The correspondence states that payments were
  made from December 9, 2022, to August 7, 2023. This concerns
  me, as the credit reporting agencies have inaccurately recorded missed payments
  from February 2023 to October 2023, and no additional payments are reflected
  following October. I kindly request that this company rectify the inaccuracies
  in its reporting to the credit agencies and honor the offer regarding my
  payment in full. Thank you for your attention to this matter.
  
  
  
  Sincerely,
  
  
  
  ******* *******

  Business Response

  Date: 06/30/2025

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

  SST found
  no inaccuracies to rectify. As stated in our initial response, $2,5000.00 of
  the $4,000.00 was deposited in a Savings Account held by Cross River Bank. The
  rest of the loan, $1,500.00, was deposited into your bank account ending in
  0678. Based on the agreement detail, the claim of being able to terminate the
  account at any time is unsubstantiated. If no loan was issued to you, the
  payments that were made and the calls made to SST requesting to pay off the
  loan state otherwise.

  
  Next, during
  the call on December 26, 2023, you were provided with the phone to American
  Coradius International, LLC (ACI 1) as your account was marked as Do Not
  Collect in our system. During the interaction you were provided with your
  balance as you requested to pay off the account. The agent who assisted
  instructed you to contact this number to pay off your account. You had
  requested to speak with a specific person, but you were provided with the phone
  number instead. At no point did the agent state you were being connected to an
  SST agent. When this number is dialed, the automated system confirms you are
  calling ACI 1. Furthermore, there was no mention of or discussion of any credit
  reporting details during this same interaction. We also partnered with ACI 1
  and review of the call from January 19, 2024, where the account was paid off, confirms
  there was also no mention or discussion of credit reporting.

  
  Lastly,
  regarding the credit reporting, based on the document provided, payments are
  being marked as Late. Our response indicates that a payment was made, not what
  the credit reporting was during the month that payment was made. We suggest you
  reach out to each of the three main credit bureaus, Equifax, Experian and
  TransUnion for a better breakdown of the credit reporting as we work with them
  directly and not a third party such as Credit Karma. 

• Initial Complaint

  Date:06/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company took over a business for a different company, Tally, which went out of business. When I originally heard from this company I thought it was a scam because nothing looked legit. However, 3 months ago I learned the hard way that they are legit because my credit score was majorly affected. I called immediately and asked how I can pay because if you’re past 60 days on a payment you cannot pay online. They told me I was too late to pay online and I needed to wait until the collection agency called. I’ve been waiting and calling and getting the same answer, and it’s making a terrible impact on my credit score, I’m trying to buy a home and this is the only delinquent thing on my report but it’s dropped significantly. I am continuing to be told that at the end of each month the delinquent accounts are transferred to a collection agency. It’s been 3 months of waiting and calling and they just keep saying yeah I’m not sure why your account has not been transferred yet, but check again next month. I cannot wait any longer, they won’t expedite anything for collections, and I’m unable to pay the full amount in one transaction, which is what they are saying my only other option is. This can’t be right and it’s unfair to hold my account hostage like this.

  Business Response

  Date: 06/18/2025

  Please see attached letter. According to our records on July 22, 2022, *** *****, signed an agreement with Tally Technologies, Inc, for a line of credit in the amount of $5,000.00 with an initial interest rate of 22.99% which could vary with the market based on the Prime Rate. She agreed to the terms and obligations outlined in the contract, which state that in the event of a servicing change, her line of credit will be closed. She will then be required to make equal monthly payments of principal and interest that fully amortize her

  Customer Answer

  Date: 06/18/2025

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

  In their response, the company admits that account should have gone to collections in January 2025. Each time I called, the response was that a payment cannot be made until the account goes to collections at the end of the month. Each time I emailed I got a response that they could not help me via email and I must call. 6 full months went by without the account going to collections to make it payable, 6 full months went by and they did not actually even tell me I could pay the full balance off once, they said I had to just wait. It wasn't until 2 weeks ago that someone finally told me the other option was to pay in full, not ideal but at least gets this off my credit report. I have finally paid the amount in full, the company did not uphold their end of the bargain once, the repayment was solely to get this off my credit report so I can apply for a mortgage in a month. The lack of attention and assistance from this company makes it clear that they are just short of a scam. Communication looks like a scam, the website looks like a scam, and the lack of knowledge each time I called looks like a scam. I regretfully paid the account balance in full and reject the response from the company. Waited until I just paid it to even reply, very professional. 
  
  
  
  Sincerely,
  
  
  
  ***** *****

  Business Response

  Date: 06/26/2025

  BBB Midwest Plains
  ***** * ******
  Omaha, NE 68137
  
  Re: Case # 23436899 – ***** *****
  
  
  To whom it may concern:
  
  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.
  
  As previously mentioned, Tally ceased operations in early September 2024 and transferred all
  open accounts to SST for servicing purposes Prior to the transfer, Tally sent a Truth-In-Lending
  Disclosures showing her, her balance at the time of transfer of $4,548.52 with a fixed interest
  rate of 26.74% and a minimum payment required of $141.56 due on September 23, 2024. Tally
  sent two notifications to each consumer regarding the transfer. SST additionally sent a welcome
  letter that included payment option instructions including an “Authorization to Debit Account”
  form to initiate electronic debit entries and authorize SST, and provided information about how
  she can self-serve her account on our website, ********************
  
  Our records show that your account was past due by more than 90 days, which is why online
  payments were no longer an option at that time. As noted in the terms of use in
  *******************. we reserve the right to modify or discontinue your access to this Portal at
  any time without prior notice. Please note that if we suspend your access to this Portal, you are
  still obligated to make payments on your account, as set forth in your Loan Agreement.
  
  In addition, no subsequent payments were made on the account after the transfer. After the
  payment was missed, SST attempted to contact you to bring the account current. Because you
  failed to make any payments on the account, it was charged off on January 31, 2025, and it was in
  the process of being placed with a collection agency.
  
  Unfortunately, federal law prohibits us from promising to remove negative reporting in exchange
  for payments on an account. As such, we are unable to remove the negative reporting on your
  credit report.
  
  
  ________________________________________________________________________________________________________
  Hours of Operation: Monday through Friday from 7am-8pm CT, Saturday from 8am-12pm CT
  Payment Address: ** *** *****, Columbus, GA 3190
  Correspondence Address: ** *** **** St. Joseph, MO 64503-0997
  Physical Address: **** ******* ** **. Joseph, MO 64503-1600
  Customer Service Toll Free Telephone: ***** ********
  Page 2 of 2
  
  
  However, we do see that on June 17, 2025, you made a payment of $5,337.21, which paid off the
  account in full. Please allow time for this status to be reflected in all applicable systems and credit
  bureaus.
  
  Lastly, we wish to clarify that SST has no ownership interest in *** ******* account. The interest
  rate was not set or changed by SST; it was determined by the original creditor prior to the transfer.
  
  If Ms. Keyes has any additional questions or concerns, please contact Customer Service at *****
  ********* ****** ** **** ****** ** to speak with a live representative during the office hours of
  7:00am to 8:00pm Monday - Friday and 8:00am to 12:00pm Saturday Central Standard Time.
  
  Very truly yours,
  
  * ***** *******
  Compliance Officer
  Systems & Services Technologies, Inc.
  
  
  

• Initial Complaint

  Date:05/07/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To Whom it may concern,
  
  I am writing to express my deep concern regarding several unauthorized account with
  SST/TALLY Account number: **** ******* balance: $21,073.00, which I have been unable to resolve directly with them. I have discovered that accounts have been opened in my name without my knowledge, consent, or authorization. This fraudulent activity is not only a violation of my privacy, but it has also caused significant distress. I expect immediate action to rectify this issue. I am requesting that the Better Business Bureau assist in removing this account from my credit reports.
  
  I have attached copies of relevant documents, including my driver's license proof of address, copy of my social security card a cover letter and the my credit report, to support my case.
  
  I kindly ask for your assistance in facilitating a resolution to this matter. Please let me know if you require any further details or documentation.
  
  Thank you for your attention to this complaint. I look forward to your response and to a prompt resolution.

  Business Response

  Date: 05/15/2025

  Please see attached letter. Our records indicate, on June 20, 2022, Ms. ******, signed an agreement with ***** ***** **** *** ***** ************* Inc, for a line of credit in the amount of $20,000.00 with an initial interest rate of 13.99% which could vary with the market based on the Prime Rate. She agreed to the terms and obligations outlined in the contract, which state that in the event of a servicing change, her line of credit will be closed. She will then be required to make equal monthly payments of principal and interest that fully amortize her Tally Line of Credit over a five-year period.
  Tally ceased operations in early September 2024 and transferred all open accounts to SST for servicing purposes Prior to the transfer, Tally sent a Truth-In-Lending Disclosures showing her, her balance at the time of transfer of $18,946.85 with a fixed interest rate of 17.74% and a minimum payment required of $487.79 due on October 1, 2024. Tally sent two notifications to each consumer regarding the transfer. SST additionally sent a welcome letter that included payment option instructions including an “Authorization to Debit Account” form to initiate electronic debit entries and authorize SST, and provided information about how she can self-serve her account on our website, ********************

• Initial Complaint

  Date:04/20/2025

  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.

  Today is Easter Sunday (4/20/2025)- Systems and Services Technology sent a woman with a hospital bracelet on her arm to my home to hand deliver an unstamped envelope with “personal and confidential” handwritten on it today. Inside was an Urgent Message to call this company at ************* Apparently, they are a collections agency for a solar panel company that we are involved in a lawsuit with. Very sketchy and unprofessional.

  Customer Answer

  Date: 04/25/2025

   
  
  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.
  
  
  
  Though this is the first time I have personally received any correspondence from this company (and the method of delivery seemed very shady, especially after we were scammed by the solar panel folks to begin with!) -  I am satisfied with this company directing any future correspondence to the attorney that is handling our lawsuit against the solar panel company.

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

• Initial Complaint

  Date:04/08/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 3/14 I made the final payment of $2616 on my borrow and grow plan from ******* which is apparently now serviced by SST. I was told had to wait two weeks for the loan to close before I could request the $4500 from the account be transferred to an account of my choosing.
  
  On 3/28 the ability to request the funds was available and I made the request. The website said it could take up to 3 days to receive the funds. It is currently 4/8 and no funds have been received.
  
  On 4/4 I called to see what the issue was and was given no information. I was simply told to wait a few more days.
  
  Today, 4/8, I called again and after several requests for escalation, was finally told that the funds were sent on 4/7 and the 3 days doesn't apply until the transfer is initiated. No one could tell me why it took over a week to initiate it.
  
  At the very least, they need to update their website with accurate information on transfer times but I also think that their frontline reps should have access to more information to better service the customer. Simply telling someone that they need to wait when the provided deadline has already passed is horrible customer service.
  
  If funds have note been received by 4/10, I will update this case.

  Business Response

  Date: 04/15/2025

  Please see attached letter. Thank you.We appreciate the opportunity to respond to the above-referenced complaint your office brought to our attention. SST is a loan servicing and payment processing company. We remain committed to maintaining a prominent level of customer satisfaction and appreciate the opportunity to assist you. Having researched this matter, please be advised of the following:
  Our records indicate the Secured Savings funds were transferred on April 7, 2025. A total of $4,511.02 was transferred to Mr. ***** bank account. Additionally, the account has been closed and marked as Closed-Paid as of April 11, 2025, and a Paid in Full letter has been emailed to Mr. ***.

• Initial Complaint

  Date:04/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ********* **** ******** ****** ********* ***** ****** ********** **** *** ********* ******* ***** ***** ***** *** ********* ** ***** ****** ************ *’m filing a complaint against Systems & Services Technologies (SST) regarding repeated violations of the Fair Debt Collection Practices Act (FDCPA) in relation to a debt account initially managed by Talley, which was sold to SST after Talley's closure.
  
  On multiple occasions from October 19 to November 6, 2024, I received an excessive number of harassing phone calls from SST, totaling over eight calls in five days. Despite my requests to cease communication, SST persisted in contacting me, violating § 1692(d) of the FDCPA, which prohibits harassment.
  
  On November 6, 2024, a demand letter outlining these issues was sent to SST, requesting cessation of communication and notice of my representation by Legal Rights Advocates. This letter was returned due to an incorrect mailing address, which I later confirmed with SST.
  
  Despite taking appropriate legal steps, SST has failed to respond to my demand letter or provide accurate contact information for their legal department. Furthermore, during my attempts to communicate, I was informed that I would need a power of attorney for discussions about my account, which is not a legal requirement under FDCPA. This indicates a deliberate obstruction of my rights.
  
  As of March 21, 2025, SST’s owner threatened my attorney for sending the demand letter, demonstrating their unwillingness to engage in fair negotiations and resolve this matter. I have not received any written communication from SST regarding my concerns or the demand letter.
  
  **Resolution Requested:**
  
  1. Immediate cessation of communication with me regarding this debt.
  2. A written response to the demand letter sent on November 6, 2024.
  3. Correction of any negative reporting on my credit related to this account.
  4. Allowance for my attorney to discuss the legal aspects of this case without obstruction.

  Business Response

  Date: 04/14/2025

  Please see the attached letter. According to our records on June 24, 2022, Mrs.s, signed an agreement with Cross River Bank c/o Tally Technologies, Inc, for a line of credit in the amount of $3,000.00 with an initial interest rate of 28.99% which could vary with the market based on the Prime Rate. She agreed to the terms and obligations outlined in the contract, which state that in the event of a servicing change, her line of credit will be closed. She will then be required to make equal monthly payments of principal and interest that fully amortize  over a five-year period.