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:03/29/2023

  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 personal loan with a savings account from the company ******. ****** at some point sold my loan to SST and I began making payments to them. on 2/23/2023 I paid off my balance in full of over $4,000. I in turn should have been receiving my attached savings account that is $2,000.
  
  I have called numerous times since the day I paid the balance. I was told it would take 20 days. It is far beyond 20 days and when I call I get no response, and now the number is even not working. I am totally frustrated with the lack of communication. I feel like I held up my portion of the agreement and on the backend it hasn't been reciprocated.

  Business Response

  Date: 04/18/2023

  Our records reflect that on January 28, 2022, ******* *** entered into and signed for a ****** Borrow
  & Grow Plan, Savings-Secured Loan (“the Contract”); financing $6,000.00 with **********
  ********** ***., doing business as ****** (“******”) and funded by ***** ***** ****. According to
  the Contract, Mr. *** agreed to make 83 bi-weekly payments of $100.00, beginning on February 24,
  2022, with one final payment of $15.30.
  As a New Jersey Chartered, FDIC insured ****, ***** ***** **** (“****”) offers credit products
  through its strategic marketplace lending platform partners, including ******, pursuant to its ****
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The **** 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 the accounts on an ongoing
  basis on behalf of, and with direct oversight by, the ****.
  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 Accounts to SST. Notice of this
  transfer is prominently displayed on their website, **********. The Savings Account created as part of
  the loan transaction has remained at all times with ***** ***** ****.
  The terms and conditions of Mr. ***’s Loan Account remain unchanged and his Savings Account at
  ***** ***** **** remained open. Once his Loan balance was paid, SST notified ***** ***** **** to
  release the Savings Account funds. It is SST’s understanding that the funds, in the amount of
  $2,005.94, were released to him on March 29, 2023.
  

• Initial Complaint

  Date:03/29/2023

  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 took out a loan from a company called ******. It was called the "Borrow and Grow" plan. ****** sold my loan to another company called SST. I paid my loan off on 2/14/2023. According to the terms of the loan, there were funds held in a savings account, which were to be released to me upon complete payment. My funds total $1,353.99. I have called SST numerous times and have been told that this money would be released to me in a few weeks. Today I called, and they told me, "Your money is delayed." There is no explanation as to why.

  Business Response

  Date: 04/21/2023

  Our records reflect that on February 15, 2022, ******** ****** entered into and signed for a ******
  Borrow & Grow Plan, Savings-Secured Loan (“the Contract”); financing $2,700.00 with **********
  *********, Inc., doing business as ****** (“******”) and funded by ***** ***** ****. According to
  the Contract, Ms. ****** agreed to make 61 bi-weekly payments of $60.00, beginning on March 11,
  2022, with one final payment of $30.65.
  As a New Jersey Chartered, FDIC insured ****, ***** ***** **** (“****”) offers credit products
  through its strategic marketplace lending platform partners, including ******, pursuant to its ****
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The **** 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 the accounts on an ongoing
  basis on behalf of, and with direct oversight by, the ****.
  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 Accounts to SST. Notice of this
  transfer is prominently displayed on their website, **********. 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. Once her Loan balance was paid, SST notified ***** ***** ****
  to release the Savings Account funds. It is SST’s understanding that the funds, in the amount of
  $1,353.99, were released to her on March 29, 2023.
  

• Initial Complaint

  Date:03/29/2023

  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 had an account with ****** that was transferred to SST. It was the borrow and grow plan in the amount of $4000. I paid my loan in full in the amount of $3289.26 on February 24,2023. My account has been closed since March 15,2023. I’ve contacted them multiple times to figure out where my $2005.89 in savings is. I contact them every week and they just tell me it should be there by next week.

  Business Response

  Date: 04/21/2023

  Our records reflect that on April 3, 2022, **** **** entered into and signed for a ****** Borrow &
  Grow Plan, Savings-Secured Loan (“the Contract”); financing $4,000.00 with ********** *********,
  Inc., doing business as ****** (“******”) and funded by ***** ***** ****. According to the Contract,
  Mr. **** agreed to make 37 monthly payments of $160.00, beginning on April 30, 2022, with one
  final payment of $131.33.
  As a New Jersey Chartered, FDIC insured ****, ***** ***** **** (“****”) offers credit products
  through its strategic marketplace lending platform partners, including ******, pursuant to its ****
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The **** 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 the accounts on an ongoing
  basis on behalf of, and with direct oversight by, the ****.
  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 Accounts to SST. Notice of this
  transfer is prominently displayed on their website, *********** The Savings Account created as part of
  the loan transaction has remained at all times with ***** ***** ****.
  The terms and conditions of Mr. ****’s Loan Account remain unchanged and his Savings Account at
  ***** ***** **** remained open. Once his Loan balance was paid, SST notified ***** ***** **** to
  release the Savings Account funds. It is SST’s understanding that the funds, in the amount of
  $2,005.89, were released to him on March 29, 2023.

• Initial Complaint

  Date:03/29/2023

  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 have paid my loan and they since the 27th of last month and Im still have not received my savings money back its has been more than 27 days for the waiting period and I have called asked for a manager 3 times and 2 calls have been set as a call back and they have never called me back and one call was disconnected on me

  Business Response

  Date: 04/13/2023

  Our records reflect that on November 8, 2021, **** ********* entered into and signed for a ******
  Borrow & Grow Plan, Savings-Secured Loan (“the Contract”); financing $6,000.00 with **********
  ********** ***., doing business as ****** (“******”) and funded by ***** ***** ****. According to
  the Contract, *** ********* agreed to make 73 bi-weekly payments of $100.00, beginning on
  November 26, 2021, with one final payment of $94.63.
  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 the accounts 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 Accounts to SST. Notice of this
  transfer is prominently displayed on their website, **********. The Savings Account created as part of
  the loan transaction has remained at all times with ***** ***** ****.
  The terms and conditions of *** *********** Loan Account remain unchanged and his Savings
  Account at ***** ***** **** remained open. Once his Loan balance was paid, SST notified *****
  ***** **** to release the Savings Account funds. It is SST’s understanding that the funds, in the
  amount of $3,009.00, were released to him on March 29, 2023.

• Initial Complaint

  Date:03/28/2023

  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.

  This company took over the ****** Borrow & Grow plans. Per the terms, I paid it off and was told by SSI in 22 calendre days, I would receive both the remainder of the loan money being held till payoff ($1770.08) as an electronic transfer to my **** account used by **** ** plus the savings/interest portion ($192.22) as a paper check mailed to my home.
  
  The 22 days passed, no money was received. I called and the person claimed the account was turned over to another vendor who will contact me by phone or email.
  
  He could not tell me the name of the company it was turned over to, not provide any phone number for them.
  
  This, appears to be a scam. They are just making stories to hold onto the $1,962.30 I am owed.
  
  I want the money I am owed!

  Business Response

  Date: 04/19/2023

  Our records reflect that on July 19, 2021, **** ****** entered into and signed for a ****** Borrow &
  Grow Plan, Savings-Secured Loan (“the Contract”); financing $2,667.00 with ********** **********
  Inc., doing business as ****** (“******”) and funded by ***** ***** ****. According to the Contract,
  Mr. ****** agreed to make 50 bi-weekly payments of $70.00, beginning on August 6, 2021, with one
  final payment of $23.98.
  As a New Jersey Chartered, FDIC insured ****, ***** ***** **** (“****”) offers credit products
  through its strategic Marketplace lending platform partners, including ******, pursuant to its ****
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The **** 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 the accounts on an ongoing
  basis on behalf of, and with direct oversight by, the ****.
  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 Accounts to SST. Notice of this
  transfer is prominently displayed on their website, *********** The Savings Account created as part of
  the loan transaction has remained at all times with ***** ***** ****.
  The terms and conditions of Mr. ******’s Loan Account remain unchanged and his Savings Account at
  ***** ***** **** remained open until the Account charged off on December 31, 2022. The Account
  was past due for the August 6, 2022 payment at the time of transfer.
  Mr. ****** has only made two payments since the transfer. The last payment was made on February
  24, 2023. Pursuant to the Loan terms on March 6, 2023, the collateral savings balance of $1,672.00
  was applied to the Loan because the Account was being charged off. That over-paid the balance by
  $192.22. On April 17, 2023, SST mailed Mr. ****** a refund check in the amount of $192.22 to the
  mailing address on file.
  

• Initial Complaint

  Date:03/28/2023

  Type:Product 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.

  Like many others here, my loan was purchased from ****** by this company. I paid it off in full on February 26th,2023. On February 27th, I requested my savings of over $2500 be sent to my ****. I was told my account was in fact paid off in full, and that it would take up to 21 days to get the money. On March 22nd, I contacted them again since the 21 days had passed without me getting my money and was told there was a mistake, that my account was closed and I should see my money in a few days. Today is March 28th and I still haven't gotten the funds yet.

  Business Response

  Date: 04/13/2023

  Our records reflect that on December 6, 2021, ***** ***** entered into and signed for a ******
  Borrow & Grow Plan, Savings-Secured Loan (“the Contract”); financing $4,000.00 with **********
  ********** ****, doing business as ****** (“******”) and funded by ***** ***** ****. According to
  the Contract, Mr. ***** agreed to make 53 bi-weekly payments of $100.00, beginning on December
  24, 2021, with one final payment of $78.50.
  As a New Jersey Chartered, FDIC insured ****, ***** ***** **** (“****”) offers credit products
  through its strategic marketplace lending platform partners, including ******, pursuant to its ****
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The **** 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 the accounts on an ongoing
  basis on behalf of, and with direct oversight by, the ****.
  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 Accounts to SST. Notice of this
  transfer is prominently displayed on their website, **********. The Savings Account created as part of
  the loan transaction has remained at all times with ***** ***** ****.
  The terms and conditions of Mr. *****’s Loan Account remain unchanged and his Savings Account at
  ***** ***** **** remained open. Once his Loan balance was paid, SST notified ***** ***** **** to
  release the Savings Account funds. It is SST’s understanding that the funds, in the amount of
  $2,507.44, were released to him on March 29, 2023.

• Initial Complaint

  Date:03/28/2023

  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 had a borrow and grow loan from ******, and had zero issues. The company then partnered with SST and now they (SST) are refusing to give me my savings from the loan. I paid off my loan on 2-23-23, and was supposed to get my savings from the loan transferred to my **** account after 22 days. That ended on 3-17-23. I've been in contact with them frequently and have been given several different excuses as to why I have not been given my savings back. I've been in contact with ***** ****** **** (Where my savings is being held) and they say they can't transfer my funds with out the proper paperwork from SST. My savings is $2,256.73. I've received conformation of my loan being paid off in full from SST by letter. And I've confirmed my **** account routing and checking number with them and still they will not transfer my funds.

  Business Response

  Date: 04/21/2023

  Our records reflect that on November 20, 2021, ******** ***** entered into and signed for a ******
  Borrow & Grow Plan, Savings-Secured Loan (“the Contract”); financing $3,000.00 with **********
  *********, Inc., doing business as ****** (“******”) and funded by ***** ***** ****. According to
  the Contract, *** ***** agreed to make 37 bi-weekly payments of $100.00, beginning on December
  10, 2021, with one final payment of $7.25.
  As a New Jersey Chartered, FDIC insured ****, ***** ***** **** (“****”) offers credit products
  through its strategic marketplace lending platform partners, including ******, pursuant to its ****
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The **** 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 the accounts on an ongoing
  basis on behalf of, and with direct oversight by, the ****.
  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 Accounts to SST. Notice of this
  transfer is prominently displayed on their website, **********. The Savings Account created as part of
  the loan transaction has remained at all times with ***** ***** ****.
  The terms and conditions of *** ******* Loan Account remain unchanged and her Savings Account
  at ***** ***** **** remained open. Once her Loan balance was paid, SST notified ***** ***** ****
  to release the Savings Account funds. It is SST’s understanding that the funds, in the amount of
  $2,256.73, were released to him/her on March 29, 2023.
  

• Initial Complaint

  Date:03/28/2023

  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 paid off my loan on Feb 22,2023 was told the savings would be released within 22 days. It is now March 28th and still haven't received it and keep getting different information and hung up on.

  Business Response

  Date: 04/27/2023

  Our records reflect that on April 22, 2022, ******** ****** entered into and signed for a ****** Borrow
  & Grow Plan, Savings-Secured Loan (“the Contract”); financing $7,000.00 with **********
  Financial, Inc., doing business as ****** (“******”) and funded by ***** ***** ****. According to
  the Contract, Ms. ****** agreed to make 97 bi-weekly payments of $110.00, beginning on May 9,
  2022, with one final payment of $4.40.
  As a New Jersey Chartered, FDIC insured ****, ***** ***** **** (“****”) offers credit products
  through its strategic marketplace lending platform partners, including ******, pursuant to its ****
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The **** 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 the accounts on an ongoing
  basis on behalf of, and with direct oversight by, the ****.
  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 Accounts to SST. Notice of this
  transfer is prominently displayed on their website, **********. The Savings Account created as part of
  the loan transaction has remained at all times with ***** ***** ****.
  The terms and conditions of *** ******** Loan Account remained unchanged and her Savings Account
  at ***** ***** **** remained open. Once her Loan balance was paid, SST notified ***** ***** ****
  to release the Savings Account funds. It is SST’s understanding that the funds, in the amount of
  $5,014.95, were released to her on March 29, 2023.

• Initial Complaint

  Date:03/28/2023

  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 paid off loan on 2-23-2023 and was told in 22 days I would receive my savings it’s been well over 22 days I called many times and they all say in a week but the week has past customer service seems to not know anything every time I call they ask for my checking information and say it’s coming called again yesterday she asked for information and said a week again

  Business Response

  Date: 04/19/2023

  Our records reflect that on May 13, 2022, ****** ***** entered into and signed for a ****** Borrow &
  Grow Plan, Savings-Secured Loan (“the Contract”); financing $3,000.00 with ********** *********,
  Inc., doing business as ****** (“******”) and funded by ***** ***** ****. According to the Contract,
  Ms. ***** agreed to make 37 bi-weekly payments of $100.00, beginning on May 30, 2022, with one
  final payment of $5.65.
  As a New Jersey Chartered, FDIC insured ****, ***** ***** **** (“****”) offers credit products
  through its strategic marketplace lending platform partners, including ******, pursuant to its ****
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The **** 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 the accounts on an ongoing
  basis on behalf of, and with direct oversight by, the ****.
  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 Accounts to SST. Notice of this
  transfer is prominently displayed on their website, *********** 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. Once her Loan balance was paid, SST notified ***** ***** **** to
  release the Savings Account funds. It is SST’s understanding that the funds, in the amount of
  $2,256.61, were released to her on March 29, 2023.
  

• Initial Complaint

  Date:03/28/2023

  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.

  In April of 2022, I opted to go with a Borrow and Grow plan. I wanted something to better my credit and also allow me to have savings that I couldn't touch. The loan was for $5,000 - $1,500 up front, $3,500 locked away in savings. Everything was going smoothly with biweekly payments of $160 until November of 2022. I caught wind that the accounts were due to be transferred from ****** to SST. On November 26th, I processed my normal payment of $160. Upon speaking with my fiance, he advised me that it was in my best interest to just pay the remaining balance in full, prior to the transition, to avoid any hassles. On the same day, November 26th, I made a remaining payment of $2,948.60, which is what the online portal said was remaining.
  FOUR MONTHS LATER, 15+ emails to SST's customer service, MANY calls and I still do not have the $3,500 that is owed to me. I've submitted the emailed confirmation from ****** for both payments to SST, **** statements, etc. SST has been in receipt of the confirmation items for weeks now. Finally, today, I was told that they're waiting for ****** to respond regarding the payment. I called ******, spoke with a supervisor and was told (in so many words) that SST is lying. SST was given everyone's account information as of December 1st, 2022. She advised me that it takes 5 business days to have a payment show on the account, so my account was caught in the middle of the transition. She explicitly said that SST should've unlocked the savings account by the end of December, at the latest. Lucky for me, my phone calls are all recorded, which I did mention. I have advised SST, as of today, if I do not have the savings unlocked before the end of the business day, I will be retaining counsel and will pursue legal remedies. I have been extremely patient and understanding, but now SST is blatantly lying to their clients and not taking responsibility for their doings. All I want is the money owed to me, that I full and well paid for.

  Business Response

  Date: 03/31/2023

  ********
  
  I have your inquiries and assure you someone will reach out to you as soon as possible.
  Please call me if this does not occur.
  *** *********
  *** * ******* *******
  ***** ********
  
  

  Customer Answer

  Date: 03/31/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Assumed Answered]
  
  Complaint: 19862101
  
  I am rejecting this response because:  The company, as a whole, bears no intent in resolving issues in a timely manner with their clients. Per two separate managers within ******, they are being inundated with phone calls on a regular basis, with situations resembling similar variation of mine, in regards to SST's communication/resolution, or rather lack thereof. Per *** ***** at ******, verbatim, stated "As a representative of ******, I truly believe if we knew what our customers would encounter by SST, we would have thought twice about our decision to transition the accounts into their hands". SST maintains there innocence and instead, blames every other party involved. SST can and will be held responsible for their gross negligence and blatant misconduct towards myself, seeing as I am not the only person who has had horror stories regarding this company. They were given a deadline of the end of the day today, March 31st, 2023 for resolution and it has been made abundantly clear that they have no interest in resolving it. The only thing they've done well is point the fingers at everyone else and deflect from their own wrongdoings.

  Regards,  ******* ****

  Business Response

  Date: 04/14/2023

  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.
  On or about December 5, ****** transferred servicing of the *** ****** Loan Account to SST. Our
  records reflect that on April 13, 2022, *** **** entered into and signed for a ****** Borrow & Grow
  Plan, Savings-Secured Loan (“the Contract”); financing $5,000.00 with ********** ********** ***.,
  doing business as ****** and funded by ***** ***** ****. According to the Contract, *** **** agreed
  to make 35 bi-weekly payments of $160.00, beginning on April 29, 2022, with one final payment of
  $143.35.
  As a New Jersey Chartered, FDIC insured ****, ***** ***** **** (“****”) offers credit products
  through its strategic marketplace lending platform partners, including ******, pursuant to its ****
  charter and Section 27 of the Federal Depository Insurance Act (64 Stat. 873). The **** 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 the accounts on an ongoing
  basis on behalf of, and with direct oversight by, the ****. A portion of the Loan funds were deposited
  in a Savings Account held by ***** ***** ****.
  *** ****** complaint states she paid off the loan on November 26, 2022, in the amount of $2,948.60.
  This payment predates servicing being transferred to SST, and SST has no record of this payment .
  SST is working with ****** to confirm receipt of final payment. At present, SST is unable to confirm
  the Account has been paid off and is, therefore, unable to release the Savings Account funds.
  At this time, the Loan Account has been placed in a Cease and Desist status and is not being credit
  reported until this matter is resolved.
  If *** **** has any further questions or concerns, she may contact SST Customer Service directly
  

  Customer Answer

  Date: 04/15/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Assumed Answered]
  
  Complaint: ********
  
  I am rejecting this response because;  The deceptive business practices and fraudulent matters should have this company shut down. Number one, they claim that they are not reporting anything to the credit agencies, yet they ARE and are presently marking me as 90 days past due. The Attorney General of Missouri was made aware of this entire situation. Aside from this, I find it amusing that I received correspondence from "***** ******* * ****** *****" with a whole, drawn out "explanation" of what they've done to attempt to resolve this. The truth of the matter is, SST is a horrendous company and I feel as though formal investigations of their company records and C-Level executives should be completed. They have continued to maintain their innocence and have instead, played "pass the blame". All I want it the money that I am entitled to.  If this matter continues to not be resolved, I will be forced to begin a lawsuit against both SST and their affiliates for this matter. I will make sure that pain and suffering, gross negligence and blatant disregard of my issues are also brought forward. At this point, I don't care who returns my money to me, but it needs to be done and done immediately. 
  
  Regards,
  
  ******* ***