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Business Profile

Loan Servicing

Systems & Services Technologies, Inc.

This business is NOT BBB Accredited.

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Important information

  • Customer Complaint:
    This business profile reflects national complaint activity

Complaints

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

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    Customer Complaints Summary

    • 458 total complaints in the last 3 years.
    • 99 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:04/08/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On 3/14 I made the final payment of $2616 on my borrow and grow plan from ******* which is apparently now serviced by SST. I was told had to wait two weeks for the loan to close before I could request the $4500 from the account be transferred to an account of my choosing.

      On 3/28 the ability to request the funds was available and I made the request. The website said it could take up to 3 days to receive the funds. It is currently 4/8 and no funds have been received.

      On 4/4 I called to see what the issue was and was given no information. I was simply told to wait a few more days.

      Today, 4/8, I called again and after several requests for escalation, was finally told that the funds were sent on 4/7 and the 3 days doesn't apply until the transfer is initiated. No one could tell me why it took over a week to initiate it.

      At the very least, they need to update their website with accurate information on transfer times but I also think that their frontline reps should have access to more information to better service the customer. Simply telling someone that they need to wait when the provided deadline has already passed is horrible customer service.

      If funds have note been received by 4/10, I will update this case.

      Business Response

      Date: 04/15/2025

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

      Date:04/03/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      ********* **** ******** ****** ********* ***** ****** ********** **** *** ********* ******* ***** ***** ***** *** ********* ** ***** ****** ************ *’m filing a complaint against Systems & Services Technologies (SST) regarding repeated violations of the Fair Debt Collection Practices Act (FDCPA) in relation to a debt account initially managed by Talley, which was sold to SST after Talley's closure.

      On multiple occasions from October 19 to November 6, 2024, I received an excessive number of harassing phone calls from SST, totaling over eight calls in five days. Despite my requests to cease communication, SST persisted in contacting me, violating § 1692(d) of the FDCPA, which prohibits harassment.

      On November 6, 2024, a demand letter outlining these issues was sent to SST, requesting cessation of communication and notice of my representation by Legal Rights Advocates. This letter was returned due to an incorrect mailing address, which I later confirmed with SST.

      Despite taking appropriate legal steps, SST has failed to respond to my demand letter or provide accurate contact information for their legal department. Furthermore, during my attempts to communicate, I was informed that I would need a power of attorney for discussions about my account, which is not a legal requirement under FDCPA. This indicates a deliberate obstruction of my rights.

      As of March 21, 2025, SST’s owner threatened my attorney for sending the demand letter, demonstrating their unwillingness to engage in fair negotiations and resolve this matter. I have not received any written communication from SST regarding my concerns or the demand letter.

      **Resolution Requested:**

      1. Immediate cessation of communication with me regarding this debt.
      2. A written response to the demand letter sent on November 6, 2024.
      3. Correction of any negative reporting on my credit related to this account.
      4. Allowance for my attorney to discuss the legal aspects of this case without obstruction.

      Business Response

      Date: 04/14/2025

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

      Date:04/02/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am filing this complaint against Systems and Services Technologies (SST) and their partner Alorica for unlawful debt collection practices.

      I was placed on a $24.56 minimum payment plan with a $300 annual fee and 27.24% APR on a balance of $749.36. These terms were never properly disclosed, and I never signed or authorized the loan terms.

      Despite multiple requests to cease collections, SST and ******a continued to withdraw payments from my bank account. I was forced to remove my account information to stop unauthorized withdrawals.

      I filed complaints with the Missouri Attorney General and the Consumer Financial Protection Bureau (CFPB). SST responded with generic documents that lacked a signed agreement, original creditor documentation, and any valid debt validation.

      I am seeking a full cancellation of the debt, reimbursement for unauthorized fees, and damages for emotional distress caused by this unlawful debt collection.

      I just need this complaint to go through as part of my exhibits when I sue them in a court of law.

      Business Response

      Date: 04/11/2025

      Please see attached letter. Systems & Services Technologies, Inc. (“SST”) acknowledges receipt of your five complaints filed through the Consumer Financial Protection Bureau (“CFPB”) on April 1, 2025, and April 5, 2025, your complaint filed with the Better Business Bureau (BBB) on April 2, 2025, as well as five previous CFPB complaints, your attorney general complaint and numerous inbound e-mails raising potential issues with SST’s servicing the above-referenced account. SST is a loan servicing and payment processing company. We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist you. Having researched these matters, please be advised of the following:
      A* ****** ******* ********* ** *** ******* ** ***** *** ***** **** ************** ****** ** ********* **** ***** ***** **** *** ***** ************* **** ** ********** **** *** ***** **** *** * **** ** ****** ** *** ****** ** ********* **** ** ******* ******** **** ** ****** ***** ***** **** **** *** ****** ***** ** *** ***** ***** *** ****** ** *** ***** *** *********** ******** ** *** ********* ***** ***** **** ** *** ***** ** * ********* ******* **** **** ** ****** **** ** ******* *** **** **** ** ******** ** **** ***** ******* ******** ** ********* *** ******** **** ***** ******** **** ***** **** ** ****** **** * ********* *******
      ********* **** ***** **** *** ******** ** ****** ******** ****** ** ******* **** **** ****** ** **** ******** ***** ******* ******* ** *** *******
      ********* **** ***** **** ***** ********* ** **** ********** ** **** *** *** ***** ****** ********* ******** ******* ** *********** **** ********* ** ******* ********** *** **** **** *** ******* ********** ** ****** *** *********** ** ****** ******** **** ********** ** * ********* ******* ** ******* **** *** ****** ***** **** ** ****** *** **** ***** * ****** ******* ** ********** ***** ****** ** *** ****** *** *** ******** ********* ** ***** *** ********* ******** ****** *** ****** *** ****** ****** *** ******* *** ****** ****** *** ***** ********
      ****** ** ******* ******* **** *** *** ** ********* ******** ** **** ******* *** *** ******** **** ** **** ******* *** *** ******* ** **** ** * ********* *** **** *** * ********** ** **** ******* ** ***** *** ***** **** ********** ******** *** ******** ******* ********** *** ********* *** **************
      **** *

      Customer Answer

      Date: 04/25/2025

       

      I am writing to formally dispute SST’s April 23, 2025 response regarding *** **** ********** ***** *** ************ ** ********* ***** ****** **** *** ******* *** **** ****** * **** ***** **** ******** **** * ****** **** ********** *** **** **** ****** **** * **** ****** ** *** **** ***** ** ********************** * **** ****** *** *** ****** ****


      1. No Signed Contract Has Been Produced


      SST claims that an electronic agreement was signed on April 19, 2022, and refers to specific pages. However, they have not provided any signed copy of this agreement. What I received was a generic transaction summary and a multi-page document that appears to be a standard template—not something with my signature or clear proof of consent to the terms.


      A company cannot simply claim an agreement exists. They must prove it, and so far, SST has failed to do that.


      2. They Admit They’re Only a Servicer


      SST acknowledges that they did not originate the loan and are merely a servicer. That means they are enforcing a loan they cannot validate, and their refusal to provide any original documentation from the lender (Tally) only reinforces the fact that this debt has not been legally substantiated.


      3. They Refuse to Acknowledge Their FDCPA Obligations


      SST claims they are “not a debt collector,” but their role as a third-party attempting to collect payments on a transferred account qualifies them under the Fair Debt Collection Practices Act. Their refusal to produce proper validation while enforcing repayment terms and debiting accounts directly is a red flag.


      4. The Cease and Desist Confirms My Point


      I find it telling that instead of resolving the dispute, SST placed a “cease and desist” on my account. This is a tactic often used to deflect liability without admitting wrongdoing. The core issue—a lack of valid, provable consent to loan terms and fees—still remains.


      ?


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


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


      **********
      ******* *************
      **** *** *** *
      ************ ** *****
      ***** ********
      *******************************
    • Initial Complaint

      Date:03/26/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      My issue is with the sale of ***** to SST and their inability to help me transition over to make payments. ***** sold to SST and the emails I received looked like a scam from SST including a link that did not work, and a website name accountinfo (dot) com that looks like something a 3rd grader would make (this did not help to make reassure me this was real). I kept trying to make payments through the ***** app, until eventually the app shut down.

      Fall 2024, I began emailing SST because the website would not allow me to make payments and said I needed to call with my debit card (again a huge red flag). I said I was not comfortable with that and to let me know how I can pay online again or use a credit card. For multiple months they kept telling me I had to call with a debit card and when I called, my call was cuttoff mid talking with a representative multiple times. (At this point it seemed like for sure a scam). 3 months later when I called SST and finally got through, all calls are handled in a centralized call center and their is no way to talk to anyone else outside the call center to confirm the legitimacy of the company. As a result, they began sending late payments to my credit report (I have never once made a late payment to any other company in my life) and this only was a result of them not helping fix my problem to pay.

      Finally after months of trying they informed me that if I paid over the phone they would fix the online portal so that I could make other payments there (Strange they couldn't just fix it for me in the first place) SST is entirely at fault for me being unable to make payments in the first place. Additionally they have a 1.1 rating on BBB and a 1.3 on g***le so I thought it was a scam. I just want to pay this off in full and have the late payments removed from my credit report. Everything they sent seemed like phishing and it took them multiple months to help me to fix getting payments in (Which is why any were late to begin with)

      Business Response

      Date: 04/02/2025

      Please see attached letter. We appreciate the opportunity to respond to the above-referenced complaint your office brought
      to our attention. Systems and Services Technologies, Inc. (“SST”) is a loan servicing and payment
      processing company that is committed to resolving customer service issues in a cooperative and
      expeditious manner.
      According to our records on March 13, 2020, Mr. ***, signed an agreement with Tally
      Technologies, Inc, for a line of credit in the amount of $6,001.00 with an initial interest rate of
      19.90% which could vary with the market based on the Prime Rate. He agreed to the terms and
      obligations outlined in the contract, which state that in the event of a servicing change, his line of
      credit will be closed. He will then be required to make equal monthly payments of principal and
      interest that fully amortize his Tally Line of Credit over a five-year period.
      Tally ceased operations in early September 2024 and transferred all open accounts to SST for
      servicing purposes Prior to the transfer, Tally sent a Truth-In-Lending Disclosures showing him,
      his balance at the time of transfer of $9,654.81 with a fixed interest rate of 20.00% and a minimum
      payment required of $258.55 due on September 14, 2024. Tally sent two notifications to each
      consumer regarding the transfer. SST additionally sent a welcome letter that included payment
      option instructions including an “Authorization to Debit Account” form to initiate electronic debit
      entries and authorize SST, and provided information about how he can self-serve his account on
      our website, www.accountinfo.com. Please note that our website is secure as it complies with all
      SOC-2 and PCI certification requirements.
      Please be advised further that SST has no ownership interest in Mr. ***’s account or any of his
      information and the interest rate on his account was not changed by SST. In January 2025, SST
      began to report information related to Mr. ***’s account to the credit bureaus. We have
      accurately reported your payment history to the credit bureaus.
      Our research indicates that no subsequent payments were made on the account after the transfer,
      until January 24, 2025, when a payment of $1,034.00 was made over the phone with an age

      Customer Answer

      Date: 04/07/2025

       

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



      I am rejecting this response because: I emailed multiple times Fall of 2024 to gain access to the new online account (the link they sent did not work). Additionally, I called multiple times in the Fall of 2024 to make payment and was disconnected multiple time while I was put on hold. My request to no longer call me was because you would call and I would answer and you would request I call you with an automated message. You would call multiple times a day, I would answer and it would again be an automated message telling me to call. I would then call you and not get any help towards making my payment. The first time I was able to successfully able to get through and make a payment was in January after this account had already been reported to the credit reporting agency. I am in no way arguing how much I owe, or what I agreed to. I am simply asking the late / missed payment demerit come off of my credit reporting because it was made so difficult to make a payment prior to January. I am now completely current, and would not have been late in the first place if not for the complete ineptitude of your customer service. I tried to make payments September - December and SST's made that impossible. It seemed borderline on purpose that they were keeping me from being able to make a payment on my account so that they could apply late fees. I hope that is not the case, but frankly with how difficult it was to make a payment online and by the phone, there is no other logical conclusion. With the horrible BBB, google reviews etc. it would not shock me if the issues I had making payments were on purpose. I am happy to pay off the full balance early to prove that any issues with payments was entirely do to how difficult SST made it to make the payments. 

      When going through Tally, payment was made through a new, easy to use app. SST sent me a broken link to a seemingly 20+ year old website that didn't allow me to make online payments and then dropped multiple of my Fall 2024 calls when I tried to make payment. Any late payments were entirely due to the negligence on SSTs part to help me as a customer both online and by phone.




      S*********

      ******* ***

      Business Response

      Date: 04/08/2025

      At Systems & Services Technologies, Inc., we are committed to providing the highest level of service to our customers. We regret any inconvenience you may have experienced.  Although we appreciate your efforts to contact us, we remind you that there are several ways to make a payment to SST, including automated bill pay, check, or over the phone.  For these reasons, we are unable to remove the late marks to your account. 
    • Initial Complaint

      Date:03/26/2025

      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 am writing to formally dispute the account referenced under account number IC102**** that appears on my credit report. This account was opened without my authorization and constitutes fraudulent activity. I have no recollection of applying for or consenting to any agreement with SST/ICREDITW

      Under 15 USC 1692g (Validation of Debts), you are required to provide verification of the debt or a copy of the judgment if I notify you in writing within 30 days. I have not received any signed contract or documentation proving that I consented to this account. Without a valid, legally binding agreement bearing my signature, there is no basis for this account to exist under my name.

      Since this account was established fraudulently, I request its immediate removal from my credit report and that any collection activity cease. If you cannot provide proper validation within 30 days, you are required to delete this account from my record and stop further collection efforts.

      Please confirm receipt of this letter and notify me of the next steps to resolve this matter.
    • Initial Complaint

      Date:03/22/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable to this debt for tally, I do not have a contract with system and service technologies. They never provide me with the original contract as requested.

      Customer Answer

      Date: 03/24/2025

      System & services technology is demanding for me to pay off debt that I never borrowed from the company. This is an agency that never sent any contract or disclaimer where I signed or agreed to borrow and pay back any kind of credit from them. I am not liable to anything system & services technology is demanding from me. They went to the credit bureau and reported delinquency on my credit report which is a false accusation on there end when in fact I have done no kind of business with this company in anyway shape or form. This accusation is costing me my credit score and the delinquency should be removed as soon as possible otherwise I’ll see that this company gets justice and will use the full extent of the law considering there are laws in full effect that protect consumers from these kind of accusations. 
    • Initial Complaint

      Date:03/21/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with SST/TALLY. I do not have a contract with Systems & Services Technologies. The did not provide me with the contract original contract as I requested.

      Business Response

      Date: 03/31/2025

      Please see attached letter. We appreciate the opportunity to respond to the above-referenced complaint your office brought to our attention. Systems and Services Technologies, Inc. (“SST”) is a loan servicing and payment processing company that is committed to resolving customer service issues in a cooperative and expeditious manner.
      According to our records on January 26, 2019, *** *********, signed an agreement with Tally Technologies, Inc, for a line of credit in the amount of $5,000.00 with an initial interest rate of 19.90% which could vary with the market based on the Prime Rate. He agreed to the terms and obligations outlined in the contract, which state that in the event of a servicing change, his line of credit will be closed. He will then be required to make equal monthly payments of principal and interest that fully amortize his Tally Line of Credit over a five-year period.
      Tally ceased operations in early September 2024 and transferred all open accounts to SST for servicing purposes Prior to the transfer, Tally sent a Truth-In-Lending Disclosures showing him, his balance at the time of transfer of $4,698.36 with a fixed interest rate of 22.90% and a minimum payment required of $133.72 due on September 27, 2024. Tally sent two notifications to each consumer regarding the transfer. SST additionally sent a welcome letter that included payment option instructions including an “Authorization to Debit Account” form to initiate electronic debit entries and authorize SST, and provided information about how he can self-serve his account on our website, ********************
      Our research indicates there were no subsequent payments made on the Account after the transfer. Please note Mr. Hernandez payment was due on September 27, 2024, in the amount of $133.72. Once the payment was missed, SST attempted to contact him to bring his account current. Because he failed to make any payments on the account, it was charged off on January 31, 2025, and it’s in the process of being placed with a collection agency.
      Please be advised further that SST has no ownership interest in *** *********** account or any

      Business Response

      Date: 04/01/2025

      *** ******** letter was mailed out today demonstrating validation of his account. The letter includes a copy of the agreement he electronically signed with Tally Technologies, Inc in accordance with the ESIGN Act.  

      Customer Answer

      Date: 04/01/2025



      Complaint: ********


      RESPONSE TO BUSINESS – REJECTED


      I am rejecting SST’s response because it does not meet the requirements for proper debt validation under the FDCPA and FCRA. The document they provided is a generic agreement that does not prove this debt is mine. It lacks a signed contract, full account history, proof of ownership transfer, and any personal identifying information such as my full Social Security number.


      Additionally, SST has reported late payments on my credit report, closed the account, and continues to maintain those negative marks—despite the debt being unverified and never previously reported by the original creditor, Tally.


      SST has stated that physical documents were mailed out today. As I have not yet received them, I respectfully request that this case remain open until I can review the materials and respond appropriately.


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





    • Initial Complaint

      Date:03/15/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      This company has reported on my credit report negatively. I do not have any contract with this company nor was asked permission or sent any documents via email or by mail to make me aware. Once seeing them on my credit report I had to look them up. I called them about this issue and immediately felt threatened. This company did not offer any resolution just harm. Please remove this account from my credit report immediately.

      Business Response

      Date: 03/19/2025

      Please see attached letter. According to our records on November 7, 2022, Mr. *****, signed an agreement with Cross
      River Bank c/o Tally Technologies, Inc, for a line of credit in the amount of $2,000.00 with an
      initial interest rate of 16.99% which could vary with the market based on the Prime Rate. He
      agreed to the terms and obligations outlined in the contract, which state that in the event of a
      servicing change, his line of credit will be closed. He will then be required to make equal
      monthly payments of principal and interest that fully amortize his Tally Line of Credit over a
      five-year period.

      Customer Answer

      Date: 03/21/2025



      Complaint: 2*******



      I am rejecting this response



      Sincerely,



      **** ****n
    • Initial Complaint

      Date:03/11/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      My credit account was taken over from Tally to SST. I made a payment to Tally August 20, 2024 in the amount of $363.23.

      SST is refusing to acknowledge the payment was received nor will they accept any form of proof that the payment was made.

      Numerous attempts to contact them and I am told I need to email customer service. When I email customer service, I am told they can not help and to call their phone number.
      I am stuck in a loop with them and no one will help me.


      In short, they've ruined my credit and refuse to resolve the issue or even communicate with me.

      Business Response

      Date: 03/20/2025

      March 20, 2025

      Re: Case # ******** – ***** ****

      To whom it may concern:

      We appreciate the opportunity to respond to the above-referenced complaint your office brought
      to our attention. Systems and Services Technologies, Inc. (“SST”) is a loan servicing and payment
      processing company that is committed to resolving customer service issues in a cooperative and
      expeditious manner.

      Our records indicate, on January 15, 2022, Mrs. ****, signed an agreement with ***** *****
      **** c/o ***** Technologies, Inc, for a line of credit in the amount of $3,000.00 with an initial
      interest rate of 21.99% which could vary with the market based on the Prime Rate. She agreed to
      the terms and obligations outlined in the contract, which state that in the event of a servicing
      change, her line of credit will be closed. She will then be required to make equal monthly
      payments of principal and interest that fully amortize her ***** Line of Credit over a five-year
      period.

      ***** ceased operations in early September 2024 and transferred all open accounts to SST for
      servicing purposes Prior to the transfer, ***** sent a Truth-In-Lending Disclosures showing her,
      her balance at the time of transfer of $2,422.42 with a fixed interest rate of 27.24% and a minimum
      payment required of $75.35 due on September 16, 2024. ***** sent two notifications to each
      consumer regarding the transfer. SST additionally sent a welcome letter that included payment
      option instructions including an “Authorization to Debit Account” form to initiate electronic debit
      entries and authorize SST, and provided information about how she can self-serve her account on
      our website, *******************.

      On March 4, 2025, we attempted to contact you regarding the payment in question. Our records
      show that a payment of $363.23 was made to ***** on August 20, 2024. However, you did not
      make any payments from September through January. The last payment we received was on
      February 12, 2025, for $150.00.

      As of today, your total amount due is $376.75, which includes a past due balance of $301.40 and
      a current amount of $75.35 due on March 16, 2025. Additionally, as of 3/20/2025, the estimated
      payoff on the Signature Loan is $2,694.57. You can log in to your account at
      ww.accountinfo.com to view your current balance.

      Please be advised further that SST has no ownership interest in Mrs. ****’s account or any of her
      information and the interest rate on her account was not changed by SST. In January 2025, SST
      began to report information related to Mrs. ****’s account to the credit bureaus.

      If Mrs. **** has any additional questions or concerns, please contact Customer Service at (****
      ********, option 2, then option 8, to speak with a live representative during the office hours of
      7:00am to 8:00pm Monday - Friday and 8:00am to 12:00pm Saturday Central Standard Time.

      Very truly yours,

      * ***** *******
      Compliance Officer
      Systems & Services Technologies, Inc.

    • Initial Complaint

      Date:03/05/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am disputing an invalid account reported by SST on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper validation, including original contract with a wet signature it must be deleted per federal law. I do not and never have I had a contract with this company.

      Business Response

      Date: 03/13/2025

      Please see attached letter. Thank you. We appreciate the opportunity to respond to the above-referenced complaint your office brought to our attention. SST is a loan servicing and payment processing company. We remain committed to maintaining a prominent level of customer satisfaction and appreciate the opportunity to assist you. Having researched this matter, please be advised of the following:
      On May 16, 2018, ******* ******* signed an agreement for a Marcus by Goldman Sachs loan financing $17,500.00. According to the contract, *** ****** agreed to make 35 monthly payments of $585.35, beginning on June 29, 2018, and 1 final payment of $593.79 (e).
      On December 9, 2023, Goldman Sachs transferred the loan account to SST. The transfer did not change the creditor.
      At the time of transfer, the account had a balance of $12,194.46 and was already reported as being Charged Off as it was Charged Off on September 27,2019. SST did not service the account as the last payment was made on April 22, 2019, while still with Goldman Sachs.
      This account was outsourced to vendor agency ******* on December 20, 2021. As a courtesy, SST has sent Validation of Debt to the address on file which includes a copy of the original loan agreement as well as any payment history with SST.
      If there are any further questions or concerns, please contact ******* at *************

      Business Response

      Date: 03/31/2025

      Hello **** *******

      SST is not the owner of said debt. SST is the master servicer but has taken no affirmative collection actions on the account as it had been charged off well before SST took over, therefore SST cannot provide anything to you to satisfy your demand.

      Customer Answer

      Date: 04/02/2025

      If the company just implied they have no legal right to be reporting as a debt and BBB find it that the company resolved with a response I want to send a complaint on BBB for closing.

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