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

• 

  NCO Financial Systems, Inc.

  8025 Excelsior Drive Suite 200 Madison, WI 53717

• 

  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:01/01/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  SST took over my loan with ******. I made a payment to ****** in December prior to transition to SST, now SST is not honoring that payment. They forced me to take an ontime payment reward to bring my payment current despite my two on time payments to the loan/ The company lied and said all December payments would be applied - but refused to adjust to reflect payments.

  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 November 23, 2022, ***** ******* signed an agreement for a ****** ** ******* ***** loan
  (“the Contract”) financing $40,000.00. According to the Contract, Ms. ******* agreed to make 36
  monthly payments of $1.234/90, beginning on December 28, 2022. On December 11, 2023, the
  Account was assigned to Systems and Services Technologies, Inc. (“SST”) for servicing.
  
  At transfer, the Account had a balance of $26,740.47 and was due for the December 28, 2023 payment.
  Ms. ******* initiated a WebPay payment on December 21, 2023 of $620.00 via SST’s online account
  management system accountinfo.com. Another WebPay payment was made on January 4, 2024 for
  $600.00.
  
  The Account is receiving a 0.25% discount from prior servicer. However, the Account does not appear
  to be set up for AutoPay as the above payments were made via the web.
  
  We appreciate Ms. *******’s contacting us about her concerns and providing the details about the
  December 8, 2023 payment. We have escalated the matter with ******* ***** and expect resolution
  within the next 10 business days.
  
  Please know the Account is current and due for the February 28, 2024 payment of $1,234.90.
  ________________________________________________________________________________________________________
  Hours of Operation: Monday through Friday from 7am-8pm CT, Saturday from 8am-12pm CT
  Customer Service Toll Free Telephone: ###-###-####
  Page 2 of 2
  
  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: 01/26/2024

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

• Initial Complaint

  Date:12/28/2023

  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.

  Marcus Loan *************** sold to 3rd party collector *** ********** without authorization. Violation of statues of frauds, violation of privacy (never authorized SST which is a 3rd party debt collector to have my personal private information), did not provide me with a signed contractual agreement (does not exist).

  Business Response

  Date: 01/11/2024

  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.
  We’ve completed our review of the account in question and found the following:
  On February 28, 2022, Ali Sheik signed an agreement for a ****** by ******* ****s loan (“the
  Contract”) financing $17,000.00. According to the Contract, *** ***** agreed to make 96 monthly
  payments of $186.63 on the 25th of each month beginning March 25, 2022. On December 11, 2023,
  ******* ***** assigned the Account to Systems and Services Technologies, Inc. (“SST”) for servicing,
  with a balance of $11,296.52 and due for the November 25, 2023 payment. Note, SST does not own the
  Account, nor is SST a third-party debt collector.
  SST has received one payment on the Account since the transfer for $186.63 on December 22, 2023.
  The Account is past due for the December 25, 2023 payment of $186.63 plus the current payment of
  $186.63 for a total due of $373.26.
  If *** ***** has any further questions or concerns, she may contact SST Customer Service directly at
  ***** ********.
  Very truly yours,

  Business Response

  Date: 01/16/2024

  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.
  We’ve completed our review of the account in question and found the following:
  In our prior response, SST advised that on February 28, 2022, Ali Sheik signed an agreement for a Marcus by ******* ***** loan (“the Contract”) financing $17,000.00. According to the Contract, *** ***** agreed to make 96 monthly payments of $186.63 on the 25th of each month beginning March 25, 2022. On December 11, 2023, ******* ***** assigned the Account to Systems and Services Technologies, Inc. (“SST”) for servicing, with a balance of $11,296.52 and due for the November 25, 2023 payment.
  Note, SST does not own the Account, nor is SST a third-party debt collector, it is simply the new servicer of the Account. Consumer permission is not required to transfer accounts to different service providers.
  *** ***** should know that the terms of her contract and creditor have not changed.
  SST has received one payment on the Account since the transfer for $186.63 on December 22, 2023. The Account is past due for the December 25, 2023 payment of $186.63 plus the current payment of $186.63 for a total due of $373.26.
  If *** ***** has any further questions, she may contact SST Customer Service directly at ***** *********
  Very truly yours,

  Customer Answer

  Date: 01/17/2024

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

  System Services and Technologies, Inc. 
  **** ******* ****
  St. Joseph, MO 64503
  
  RE: ******* ***** Marcus Personal Loan
  
  RE: SST ACCOUNT *********
  

  ****** sold off said debt to SST in 2023 at a fraction of the cost which is a risk SST brought upon themselves. I will not be paying said debt with SST, through whom I do not have a contract with. In their prior response, SST has stated that they do not own the account and are simply servicing the account for ****** ** ******* *****. THAT IS UNTRUE. I contacted Marcus by ******* ***** and they have stated that they have sold off debt to SST and no longer own any personal loans. So who owns this account? Simple answer, the debt was purchased at a fraction of the cost by SST at their own risk for an account they do not own. 
  
  In accordance with the Federal Fair Debt Collection Practices Act, 15 USC § 1692, you are hereby notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. I will work directly with the alleged original creditor ******* ***** Marcus to resolve this matter, as warranted. Please take note that I am declining any attempts by or any other collection agency with regards to this matter.
  
  In addition, you are hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. 
  
  You are also requested to CEASE AND DESIST contacting me with regards to this matter, unless it is to notify me via U.S. mail that you will be terminating all attempts to collect this alleged debt. 
  
  Sincerely,
  
  
  ***** ***
  **** ***** ***** ***
  Sacramento, CA 95834

• Initial Complaint

  Date:12/28/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My loan with ******* ***** was transferred to be serviced by SST. They showed me delinquent for half of my monthly payment due to system issues during the transfer. I had discover send them an ACH to payoff the loan and they have yet to credit the payment, claiming they haven’t received it. They payment was electronic meaning they would have received the next day at the latest. Meanwhile I have been accruing daily interest charges and they will research the account. This company is not helpful at all, they can’t explain to me why a 13,472.12 payment doesn’t credit when the transaction even has the correct account number

  Business Response

  Date: 01/11/2024

  Please see attached response.

  Customer Answer

  Date: 01/11/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  The payoff was submitted on 12/19/2023. SST claimed they never received that payoff which then prompted Discover to involve their legal team for a recovery process. I had to pay off the loan from my account directly on 01/08/2024 and they didn’t even back date to 12/19/2023 when the original payoff was sent resulting in several days of daily interest charge. They also informed me they never received the initial 500 payment made 12/01/2023 however coincidentally after the payoff I sent on 01/08/2024 they have since located that payment posted it as a reversal and after having proof the loan was paid off with 0.00 balance the next day I had a new balance of 500.22. 
  
  Sincerely,
  
  
  
  ****** *********

  Business Response

  Date: 01/25/2024

  Please see attached response.

• Initial Complaint

  Date:12/28/2023

  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 made a payment to ****** ** ******* ***** on 12/7/23 for my regular monthly payment. The company transferred my loan to SST on 12/11/23, I was notified 12/19/23 about the transfer. SST contacted me on 12/21/23 stating that I needed to make a payment for the month of December, which I had already made on 12/7/23. SST is now requiring me to make another payment for the month of December, because they misapplied my monthly payment as principle only. I have contacted SST again today 12/27/23 and the representative said that their was no higher management that I can speak with to fix the issues, and that I am one of many customers that are in the same situation with their loans. The SST representative stated there was no solution that SST can provide to us to fix the issue and they are asking for their customers to make an additional monthly payment, although SST is at fault for this issue. She also stated that this issue will not show up on my credit report for the month of December, however after reading multiple complaints from others regarding similar issues I do not believe that is true. I am requesting that the payment is fixed on my account to make it my regular monthly payment. If this cannot be fixed I am requesting for the payment to be refunded back to me so I can make my regular monthly payment.

  Business Response

  Date: 01/16/2024

  Please see attached response.

• Initial Complaint

  Date:12/28/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My personal loan was just bought (December 2023) by SST from Marcus Goldman Sachs. Without any notice, and with disregard to the terms of my loan, SST is asking for a double payment this month. I always make my loan payments on time and have no charges in arrears. I paid this month’s (December’s) payment early. I electronically made a $550 payment (via Truist Bank) on December 1, 2023. (My payment exceeded the amount due for the monthly payment.) Now, SST is saying that my payment is not counting as, apparently, Goldman Sachs had applied my payment just to the principal of the loan when they sold it to SST. SST is saying I need to make another payment this month. Many of the people whose loans SST purchased from Goldman Sachs are being impacted by this. They are violating the terms of my loan agreement. Please help!

  Business Response

  Date: 01/11/2024

  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.
  We’ve completed our review of the account in question and found the following:
  On November 28, 2021, Sandy ****** signed an agreement for a Marcus by Goldman Sachs loan (“the
  Contract”) financing $17,000.00, agreeing to make 36 monthly payments of $540.51 on the 28th of each
  month beginning on December 28, 2021. On December 11, 2023, Goldman Sachs assigned the Account
  to Systems and Services Technologies, Inc. (“SST”) for servicing with a balance of $5,829.19 with next
  payment due on December 28, 2023. Note, SST has no ownership interest in the Account.
  SST has received one payment on the Account since the transfer in the amount of $540.51 on January 8,
  2024. The Account is current and due for the February 28, 2024 payment of $540.51.
  If Ms. ****** has any further questions or concerns, she may contact SST Customer Service directly a* ***** *********

  Customer Answer

  Date: 01/30/2024

   
  
  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:12/27/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I originally had a loan with ****** *******, as of December 10 they moved it to sst, I did a loan pay off payment on the 15th and they process that plus the monthly payment. I called immediately the 17th (first business day) and was told I would be refunded. I have emailed almost everyday with no reply. I called again today and it says I still owe 69 over the phone, which is impossible when online says I owe nothing. I just want my overpayment back.

  Business Response

  Date: 01/05/2024

  Please see attached response.

• Initial Complaint

  Date:12/26/2023

  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 was contacted for the first time via text by Systems and Services Technologies Inc on 12/19/23 saying my ****** loan was now being serviced by SST moving forward. I received another text that day saying I had a payment due. I had made a payment on 12/1/23 to ****** for over half the amount owed for the 12/25/23 minimum payment due. I received a 12/10/23 statement from ****** saying my payment had applied and I owed the remaining amount. I had previously scheduled a payment to ****** for 12/15/23 for over the remaining amount due, so to my knowledge, I should not have owed anything for 12/25/23 after 12/15/23. I called SST on 12/20/23 and was told it was fixed. I checked my account on 12/23/23 and it still showed a payment due and that the 12/15/23 payment had been reversed, so I called again that day. I made a payment that day to replace the 12/15/23 reversed payment and was told my next regular payment would be due 1/25/24. On 12/26/23, my account showed I was delinquent. I called yet again and was told I was delinquent by $829. SST says ****** did not apply the 12/1/23 payment to the 12/25/23 minimum due. They refused to correct their system, my account shows that I did not pay and I had to make yet another payment trying to bring my account current. I initiated all 3 calls and would not have known there was any issue had it been up to SST. The only communication I received from ****** was a redirect from their website when I tried to login. Nothing was communicated by SST that previous payments would not be applied to the monthly minimum due or that payment methods accepted by ****** may not be accepted by SST. No correction was done to my account even though I had paid more than the minimum due.

  Customer Answer

  Date: 01/16/2024

  Just close the case. They're not going to answer. I've been able to make payments the last month, so let's just move on.

• Initial Complaint

  Date:12/26/2023

  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 have been trying to contact SST about the issues for 11 days since the transfer of my account from ****** ** ******* ***** to SST they have not applied the payments made for the billing period.
  
  As shown in screenshots, there is a notice that payments were made before the transition and are still in the billing period.
  
  I attempted to reach out proactively but no response was received.
  
  Payments to satisfy the amount owed:
  12/06 $250 - Not refelcted
  12/11 $450 - Not refelcted
  12/15 $176 - refelcted

  Customer Answer

  Date: 01/04/2024

   
  
  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,
  
  
  
  ******* *****

• Initial Complaint

  Date:12/26/2023

  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 made my Dec 28 payment on Nov 30 and Dec 1 in amounts totalling 441.05$ and have even paid additional since, and they're refusing to apply this payment towards my Dec 28 payment because they took over my ****** personal loan and ****** said I was good for December, and this new company SST is saying they applied to principal only, but that is false. ****** took interest out of those payments.
  
  I already paid my Dec 28 payment, and I don't have a spare 441.05$ to spend.
  
  It's illegal to demand double payment for a payment they've already received for the month and I've more than satisfied that loan payment of 441.05$ that we agreed on.
  
  I used to work for a bank and I know what they're attempting to do is entirely wrong.

  Business Response

  Date: 01/04/2024

  Please see attached response.

  Customer Answer

  Date: 01/08/2024

   
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that the letter to me should have included my name in the too, this is good though as it shows my whole point that I was correct in that my bill isn't due until Jan 28, despite their staff who told me it was due Dec 28 and that they wouldn't be crediting the payment that I made weeks prior.
  
  
  
  Sincerely,
  
  
  
  ******* ********

• Initial Complaint

  Date:12/24/2023

  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 contacted SST at ************ on multiple occasions beginning in August of 2023 regarding this account that was opened without my knowledge and a debt of $286 account number 41453747 reference number 18184218. My last conversation on 12/20/23 and spoke with two different agents one named ****** ********* and another named ***** ****** I was advised that this debt had not been given to any collection agency so I can not settle the debt and it will remain on my report. A company named ******** ******** ************* *** mailed me a bill for the same balance stating they are the debt collectors. At this point, this debt has not been validated or verified in over 8 months and I have not even been able to settle this small debt that is impacting this credit report tremendously. I would like this removed from my credit report, although I have no knowledge of this debt I would like to resolve it under the FCRA guidelines so my credit is no longer impacted. The company has failed to give a resolution.

  Business Response

  Date: 01/04/2024

  Please see attached response.