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

• 

  NCO Financial Systems, Inc.

  8025 Excelsior Drive Suite 200 Madison, WI 53717

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: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:01/24/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My loan with ****** was sold to systems & services technologies in January 2024, I was notified January 2nd, 2024 that my payment was due 01/22/2024. SST sent me billing coupons for me to pay my loan. SST did not mentioned they had set me up for auto pay. I sent my payment in and today 01/23/2024 SST took an auto pay payment + my check for payment. This is what predator lenders do, don't notify customers how they have rigged the payments. I called SST today 01/23/2024 and told them to take me off auto pay-I SHOULD HAVE BEEN NOTIFIED OF THEIR INTENTIONS, NOT BLINDSIDED. The customer service rep took me off auto pay and she stated "NO PAYMENT WAS DUE UNTIL MARCH 2024. SST HAS A C- RATING THAT TELLS THE WHOLE STORY

  Business Response

  Date: 02/16/2024

  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 1, 2022, ****** ****** signed an agreement for a ****** by ******* ***** loan (“the
  Contract”) financing $17,000.00. According to the Contract, Mr. ****** agreed to make 60 monthly
  payments of $369.53, beginning on April 22, 2022. On December 11, 2023, the Account was assigned
  to Systems and Services Technologies, Inc. (“SST”) for servicing.
  
  At the time of servicing transfer, the Account had a balance of $12,453.34 and was due for the
  December 22, 2023 payment. Three payments have been made with SST since the transfer: one for
  $369.52 on December 22, 2023 via AutoDraft; one for $370.00 on January 19, 2024 via Lockbox; and
  another for $369.53 on January 22, 2023 via AutoDraft.
  
  The Account was setup for ACH at the time of transfer as part of the Autopay Promo which gives
  borrower a 0.25% discount. Mr. ****** initiated a separate payment of $370.00 on January 19, 2024.
  On January 22, 2024, his AutoDraft payment was also withdrawn, resulting in a second payment. The
  automatic AutoDraft was cancelled on January 23, 2024 and is set for normal payment.
  
  The Account is current and due for the March 22, 2024 payment of $369.53.
  

  Customer Answer

  Date: 02/18/2024

  
  
  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:01/19/2024

  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.

• Initial Complaint

  Date:01/18/2024

  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.

  Open a borrow/grow account with this company. After several months I decided this would not be beneficial. I've asked for a refund and filed a dispute with credit reporting agencies as they have this as a charge off. What was owed? You never gave me anything. I gave you funds that I am now seeking to be refunded plus interest asap. This is my 3rd attempt to recoup my funds. I have also contacted the attorney general in this state. This company does shady business and targets less fortunate individuals. Please refund my money and close this business.

  Business Response

  Date: 01/30/2024

  Please see attached response.

  We appreciate the opportunity to respond to the above-referenced complaint your office brought to our
  attention. Systems and Services Technologies, Inc. (“SST”) is a loan servicing and payment
  processing company that is committed to resolving customer service issues in a cooperative and
  expeditious manner.
  Our records reflect that on April 2, 2022, Diana ***** 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 Cross River Bank. According to the Contract,
  Ms. ***** agreed to make 73 bi-weekly payments of $80.00, beginning on April 28, 2022 with one
  final payment of $4.79.
  As a New Jersey Chartered, FDIC insured bank, Cross River Bank (“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 Cross River Bank. On or
  about December 5, 2022, SeedFi 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, SeedFi.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 $3,400.05. Eleven payments were made since the
  transfer all via AutoPay/AutoDraft. The last payment was on May 16, 2023 for $80.00 but was
  returned as an “R20-Non-Transaction Account.”
  The terms and conditions of Ms. *****’s Loan Account remain unchanged and her Savings Account at
  Cross River Bank remained open. The Account charged-off on September 30, 2023.

  Business Response

  Date: 02/27/2024

  Please see attached response.

  Customer Answer

  Date: 02/27/2024

  Complaint: ********
  
  
  
  I am rejecting this response because: you keep stating there was a lian but can't verify when any such loan was given to me. A loan is money received that requires repayment. Show me where and when these funds were allocated to me. No such fund exchange exists. You've never learnt me anything. You will hear from the Attorney general and my legal representation now. It is sad how companies try to maneuver money from poor law abiding citizens. Also prove to me when I gave permission for any information to be released to a collection agency.  What are you collecting on; AIR... This is far from over my suit will follow.
  
  
  
  Sincerely,
  
  
  
  ***** *****

• Initial Complaint

  Date:01/11/2024

  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 account with Marcus Goldman Sachs was sold to SST servicing. I only learned of this on 12/11/23 when trying to log into my Marcus account. I spoke with SST and created an account to complete my loan obligation. I was never behind on a payment and they blamed it on Marcus that my last payment had only gone to interest. I emailed them proof of payment and ended up paying an extra 200 on my December payment as I grew tired of wasting my time trying to resolve this over the phone on 4 different occasions. My payments have always been broken up into 2 different payments, every 2 weeks, resulting in the account being paid on time. They advised there would be no change and they would continue to mail me a bill. I receive a bill asking for 2 months of payments when my bill is up to date I have proof of all payments made They have horrible billing practices and take no responsibility for resolving their errors. They continue to blame Marcus, but I had no billing issue with Marcus. I have spoken to supervisors and wasted hours of my time on the phone. I can only say SST agents were polite but unfortunately useless. I want my billing information updated and my normal monthly payment to be taken as a patent that I agreed to make and not distributed elsewhere on my account.

  Business Response

  Date: 01/29/2024

  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 16, , ******* ****** signed an agreement for a ****** ** ******* ***** loan (“the
  Contract”) financing $20,000.00. According to the Contract, Ms. ****** agreed to make 60 monthly
  payments of $470.46, beginning on May 16, 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.
  
  The Account came to SST with a balance of $14,739.73 and due for the December 16, 2023 payment.
  Five payments have been made with SST since the transfer. The Account is current and due for the
  February 16, 2024 payment of $470.46.
  
  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.
  
  

  Business Response

  Date: 03/08/2024

  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.
  
  As previously stated in our response of January 29, 2024, on April 16, 2022, ******* ****** signed an
  agreement for a ****** ** ******* ***** loan (“the Contract”) financing $20,000.00. According to
  the Contract, Ms. ****** agreed to make 60 monthly payments of $470.46, beginning on May 16,
  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.
  
  Records indicate that on November 24, 2023, $123.30 was applied to principal with $76.70 applied
  toward interest while with ********
  
  The Account came to SST with a balance of $14,739.73 and due for the December 16, 2023 payment.
  Seven Web Pay payments have been made with SST since the transfer.

  All payments received by SST have been applied. The Account is current and due for the March 16,
  2024 payment of $470.46.
  
  If Ms. Morris 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: 05/14/2024

  I have contacted SST 3 times via email requesting an explanation of transactions on my account. They only respond with"For your protection, Systems & Services Technologies, Inc. does not discuss individual account information via the Internet. This policy prevents identity theft and secures your privacy." I have given written permission to send via email, on the web portal, or USPS as they already send a billing statement that includes my account number, amount due, etc. I had noticed on 04/30/24 that there were 8 reversals posted to the account and asked for an explanation. In my experience with SST, I have learned that what you are told over the phone is not reliable information and the information given is always different from one agent to another.

• Initial Complaint

  Date:01/11/2024

  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’ve been trying to obtain a payment check from this company since I had a savings account, and my money was never returned to me. On December 2, 2023, I received an email stating that I would receive a payment for my savings account and to contact them if I had more questions. I did because I wanted to update my new address on file, but I didn’t realize it was already updated in the email/letter I received on Dec 2, 2023. Every time I called them, they said my address was updated and they would reissue the check for the amount of $467.90 to my address. I’ve called three or four times in total, and there’s no resolution or check on the mail.

  Customer Answer

  Date: 01/23/2024

  The company sent me a check finally last week. For around $304 it was less than what I paid but they never give me a payment history or access to my old account.
  Thank you,
  ******* ******

• Initial Complaint

  Date:01/10/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a personal loan through ****** ** ******* *****, which has been transferred to Systems & Services Technologies(SST). ****** informed me that SST would be emailing account information and instructions for changing to their portal, but I have not received any emails, and their portal i not operational.

  Business Response

  Date: 01/29/2024

  Please see attached response.

• Initial Complaint

  Date:01/10/2024

  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 personal loan with Goldman Sachs' Marcus (a/c *************) transferred over to SST for servicing on December 9th, 2023. I have been making timely monthly payments on this loan for 18 months. Goldman Sachs clearly stated that the cut-off date before which servicing would be transferred over to SST was December 8th. Accordingly, I made my payment to Goldman Sachs for the month of December on December 1st, with the expectation that this would be reflected in the handover of records to SST, and that I would then begin making payments to SST in January.
  
  However, SST apparently has no record of this transaction made to Goldman Sachs, despite it being made a full week before the cut-off, and is now reporting my December payment as delinquent. Moreover, Goldman Sachs appears to have deleted my payment history from their Marcus app and website. I am staggered by this degree of incompetence in handling the transition and request that SST work with Goldman Sachs at the earliest to correct their records and acknowledge receipt of my timely loan payment for December. My new SST account number is ********* A copy of the receipt for the December payment, issued by Goldman Sachs, is attached here.

  Customer Answer

  Date: 01/21/2024

  This message is in regard to my complaint submitted on
  1/7/2024 against Systems & Services Technologies (SST).  My complaint
  was assigned ID *********
  
  A few days after the filing of my complaint, SST quietly
  resolved the billing issue. As such, you may consider the matter satisfactorily
  resolved.
  
  Thank you for your assistance.
  
  ***** *******
  **** **** ****
  **** *
  Columbus, OH 43201

• Initial Complaint

  Date:01/04/2024

  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 account was paid through a prior servicer until 12/9/23, though I made a payment 12/8/23 for half my monthly payment. The remaining half I paid 12/22/23 under the new servicer (SST). My payment was due 12/25/23, therefore it was paid early. The new system is showing late (not registering the 12/8/23 payment with prior servicer). I called last friday and ******* at SST saw the issue and said it was fixed. Yesterday it was still not fixed in system, showing 8 days late, so I called again. I got the same rep, who stated she got it taken care of. I'm still getting calls and texts showing late payment when it isnt late. This billing matter needs to be resolved immediately .

  Business Response

  Date: 01/29/2024

  Please see attached response.

• Initial Complaint

  Date:01/02/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They say I owe a debt
  
  which is not mine , never heard or signed up for , ( ******* *****) for $340.88

  Business Response

  Date: 01/24/2024

  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 May 25, 2018, ****** ****** signed an agreement for a ****** by Goldman Sachs loan (“the
  Contract”) financing $20,000.00. According to the Contract, Mr. ****** agreed to make 72 monthly
  payments of $340.88, beginning on June 25, 2018. The Account charged-off October 22, 2019 and was
  placed with AIS for further handling.
  
  If Mr. ****** has any further questions or concerns, he may contact AIS directly at ###-###-####.
  
  Very truly yours,
  
  
  * ***** *******
  Compliance Officer
  Systems & Services Technologies, Inc.