Complaints

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

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• 

  Systems & Services Technologies, Inc.

  4315 Pickett Rd Saint Joseph, MO 64503-1600

• 

  SST Card Services

  PO Box 23060 Columbus, GA 31902

• 

  NCO Financial Systems, Inc.

  8025 Excelsior Drive Suite 200 Madison, WI 53717

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:02/13/2023

  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.

  ***** *****
  Account number: ******** **** ********* ** ********* ** ***** 
  I recently paid off my account and I have a savings account that I was supposed to be able to access upon repayment . I paid off my account on 1/20/23 . I was told my savings would be sent to my checking account but I still haven’t received it . I keep getting told the transaction is pending with now clear date for deposit . I feel this is unacceptable and I should know when I will get the savings as I need it to take of other obligations.

  Business Response

  Date: 02/20/2023

  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.
  Our records reflect that on December 19, 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, *** ***** agreed to make 54 bi-weekly payments of $100.00, beginning on
  January 14, 2022, with one final payment of $25.72.
  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 remained 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 February 14, 2023.

• Initial Complaint

  Date:02/13/2023

  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 complaint is in regards to a personal loan that I originally took out through ****** which was always paid on time as agreed and has since been transferred to SST Service Systems Technologies Inc. loan number 41175506. While in SST’s care I have since paid the loan off in full on 2/3/23 the balance of 1435.65. Part of the original loan agreement with ****** was I would be given 2000.00 upon signing the loan agreement and another 2000 plus interest upon paying the loan off this money would be direct deposited to my checking account on file within 5-7 days. As of today 2/13/23 i have not recieved the 2000 plus interest and phone calls to this company have had no resolution to this.. I have also requested politely to speak to a supervisor many times which they refuse to do I was told one would call me which never happens.

  Business Response

  Date: 03/01/2023

  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.
  Our records reflect that on March 16, 2022, **** ******* entered into and signed for a ****** Borrow
  & Grow Plan, Savings-Secured Loan (“the Contract”); financing $4,000.00 with **********
  Financial, Inc., doing business as ****** (“******”) and funded by ***** ***** ***** According to
  the Contract, *** ******* agreed to make 59 bi-weekly payments of $80.00, beginning on
  April 1, 2022, with one final payment of $76.73.
  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, ******.com. 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 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 February 27, 2023.
  If *** ******* has any further questions or concerns, he may contact SST Customer Service directly
  

• Initial Complaint

  Date:02/13/2023

  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 my loan off Jan 13, 2022. I paid off the loan early and actually overpaid by $10.00 dollars. Total owed me from SST amounts to $2256.68. I have contacted SST excess of 16 times regarding my $2256.68 Savings reimbursement only to hear bogus answers with zero resolve. Originally the loan started with **** ** and was turned over to SST. I did reach out to **** ** and their unconcerned response was, "It is out of our hands."

  Business Response

  Date: 02/20/2023

  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.
  Our records reflect that on January 6, 2022, ***** ******* entered into and signed for a ****** Borrow
  & Grow Plan, Savings-Secured Loan (“the Contract”); financing $3,000.00 with **********
  ********** ****, doing business as ****** (“******”) and funded by ***** ***** ****. According to
  the Contract, *** ******* agreed to make 37 bi-weekly payments of $100.00, beginning on
  January 26, 2022, with one final payment of $16.84.
  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 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
  $2,256.68, were released to her on February 16, 2023.
  If *** ******* has any further questions or concerns, she may contact SST Customer Service directly
  

  Customer Answer

  Date: 02/21/2023

  [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:  No money has been deposited in to my account.  They have called 7 times on Saturday 2/18/2023 requesting I make a payment to my account.  I informed them, on 1/30/2023 I paid my loan off.   I  don't think they will ever release anything.   This is a company that should be turned in as a Scam.
  
  Regards,
  
  ***** *******

  Business Response

  Date: 02/23/2023

  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.
  Per our previous response of February 20, 2023, our records reflect that on January 6, 2022,
  ***** ******* entered into and signed for a ****** Borrow & Grow Plan, Savings-Secured Loan (“the
  Contract”); financing $3,000.00 with ********** ********** ***., doing business as ****** (“******”)
  and funded by ***** ***** ****. According to the Contract, *** ******* agreed to make 37 bi-weekly
  payments of $100.00, beginning on January 26, 2022, with one final payment of $16.84.
  The terms and conditions of *** *******’ Loan Account remained unchanged and her Savings Account
  at ***** ***** **** remained open. *** ******* paid off her Account on January 30, 2023. There is a
  clearing period of about 14 days. Once her Loan balance was paid and the payment cleared, SST
  notified ***** ***** **** to release the Savings Account funds. It is SST’s understanding that the
  funds in the amount of $2,256.68, were released to her on February 16, 2023, to bank account ending
  in ****
  If the above information is incorrect, *** ******* needs to notify SST immediately with the correct
  banking information. We will then track down the deposit and get corrected for her.
  If *** ******* has any further questions or concerns, she may contact SST Customer Service directly
  

  Customer Answer

  Date: 02/28/2023

  [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: No money has been deposited into  my account.  This was a scam.   SO WHATEVER.   I NO LONGER WANT PHONE CALLS/TEXTS/EMAILS FROM THIS COMPANY HORRIBLE CUSTOMER SERVICE.
  
  Regards,
  
  ***** *******

  Business Response

  Date: 03/07/2023

  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.
  Per our previous responses, our records reflect that on January 6, 2022, ***** ******* entered into and
  signed for a ****** Borrow & Grow Plan, Savings-Secured Loan (“the Contract”); financing
  $3,000.00 with ********** ********** ****, doing business as ****** (“******”) and funded by *****
  ***** ****. According to the Contract, *** ******* agreed to make 37 bi-weekly payments of
  $100.00, beginning on January 26, 2022, with one final payment of $16.84.
  We have indicated to *** ******* that the terms and conditions of her Loan Account remained
  unchanged and that her Savings Account at ***** ***** **** remained open. *** ******* paid off her
  Account on January 30, 2023. We have advised that there is a clearing period of about 14 days. Once
  her Loan balance was paid and the payment cleared, SST then notified ***** ***** **** to release the
  Savings Account funds. It is SST’s understanding that the funds in the amount of $2,256.68, were
  released to her on February 16, 2023, to bank account beginning with *****
  Per our phone conversation with *** ******* on February 16, 2023, the banking information she
  provided is where the funds were deposited. Attached is the tracing information *** ******* may take
  to her bank for tracing the funds released to her on February 16, 2023.
  If the above information is incorrect, *** ******* needs to notify SST immediately with the correct
  banking information. We will then track down the deposit and get corrected for her.
  Please note, SST will not be making any further communications with *** *******, per her request.
  If *** ******* has any further questions or concerns, she may contact SST Customer Service directly
  

  Customer Answer

  Date: 03/07/2023

  [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 info they have on file is correct.   But no money have been received.    I wish this to be the last communication from you and this scam.    
  
  Regards,
  
  ***** *******

• Initial Complaint

  Date:02/13/2023

  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.

  Below is what i sent to the lender and have not got a response.
  I want you to stop sending that I am late to the credit bureaus. I have spoke with someone on several occasions and nobody seems to know why I keep getting charged a late fee every single payment I make and still get it when I pay more. I am going to contact Consumer Protection Also every time I make a payment I get a notice to contact you so I do and they don’t know why I get that notice. So when you have a late payment then you should get a notice and it sent to the reporting places but you continue to claim that I am late all the time. Have contacted several people but nobody is on the same page. I should also let you know reporting late payments is illegal and i am currently disputing this account. Reported to the attorney generals office.
  15 U.S. Code § 1681a
  
  Exclusions.—Except as provided in paragraph (3), the term “consumer report” does not include—
  (A)subject to section 1681s–3 of this title, any—
  (i)report containing information solely as to transactions or experiences between the consumer and the person making the report;
  (ii)communication of that information among persons related by common ownership or affiliated by corporate control; or

  Business Response

  Date: 03/23/2023

  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.
  We’ve completed our initial review of the Account in question and found the following:
  *** ***** signed an Installment Loan Agreement with ************** ******** **** d/b/a *** ****
  through ************ *** on February 4, 2022, in the amount of $1,400.00 which was deposited into
  *** *****’ Account. Per the Loan Agreement, *** ***** agreed to make 51 weekly payments of $55.23
  with the first payment being due on February 11, 2022. *** *****’ Account was transferred to Systems
  and Services Technologies, Inc. (SST) as servicer on the Account on February 7, 2022, and a welcome
  letter was sent to advise of transfer.
  *** ***** was set up on Electronic Funds Transfer (EFT) for her weekly payments of $55.23 until
  February 17, 2022, at which time *** ***** cancelled the recurring autopay via ***************
  On November 7, 2022, *** ***** set up again on recurring autopay but was cancelled on November 22,
  2022 due to “No Account”. It was setup again successfully on December 22, 2022.
  Neither *** **** nor *********** has records of any effort of *** ***** attempting to contact them
  directly. SST tried to reach out to *** ***** to discuss the Account on several occasions via phone,
  letters and text messages with no response from her.
  As of March 23, 2023, *** *****’ Account is past due for the current minimum weekly payment of
  $55.23; past due amount of $883.68; and late charges of $95.00, for a total amount due of $1,033.91.
  The last payment received from *** ***** was on March 17, 2023.
  If *** ***** requests that we consider an accommodation or payment arrangement, please have her
  contact SST and they will make reasonable effort to work with her or if she has any further questions or
  concerns, she may contact SST Customer Service directly

  Customer Answer

  Date: 03/23/2023

  [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: everything they said was not true. They have made big errors with my loan and i have called them so many times and sent emails that nobody responded to even once. I do not owe late fees as those were removed when they had made one of those errors such as i was on auto pay and they didn’t take a pmnt from my account for 2 weeks. I called them and the person there found that they had been charging my old checking with **** and i have been with ******* *** for way over a year and they had been taking pmnts from ******* *** so why they tried **** is a mystery. They also said they would remove the late pmnts but never did. I missed a few pmnts but always paid double pmnts on the next pmnt.
  
  Regards,  ***** *****

  Business Response

  Date: 04/05/2023

  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.
  As previously stated in our response of March 23, 2023, *** ***** signed an Installment Loan
  Agreement with ************** ******** **** d/b/a *** **** through ************ *** on February
  4, 2022, in the amount of $1,400.00 which was deposited into *** *****’ Account. Per the Loan
  Agreement, *** ***** agreed to make 51 weekly payments of $55.23 with the first payment being due
  on February 11, 2022. *** *****’ Account was transferred to Systems and Services Technologies, Inc.
  (SST) as servicer on the Account on February 7, 2022, and a welcome letter was sent to advise of transfer.
  *** ***** was set up on Electronic Funds Transfer (EFT) for her weekly payments of $55.23 until
  February 17, 2022, at which time *** ***** cancelled the recurring autopay via ***************
  On November 7, 2022, *** ***** set up again on recurring autopay but was cancelled on November 22,
  2022 due to “No Account”. It was setup again successfully on December 22, 2022.                                                                                                                                                                                                                                                                         Neither *** **** nor *********** has records of any effort of *** ***** attempting to contact them
  directly. SST tried to reach out to *** ***** to discuss the Account on several occasions via phone,
  letters and text messages with no response from her.
  As of April 5, 2023, *** *****’ Account is past due for the current minimum weekly payment of $55.23;
  past due amount of $883.68; and late charges of $95.00, for a total amount due of $1,033.91. The last
  payment received from *** ***** was for $55.23 on March 31, 2023

• Initial Complaint

  Date:02/13/2023

  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 started a barrow and grow loan with ****** last year(2022) for $3000. I was given $750 upfront and $2250 was going into savings. Then my loan was transferred to SST at the end of 2022. I paid off my entire loan on 1/21/2023 called in and gave my account and routing number to the rep on 1/23/2023 was told that it would take 14 days to payout my savings. Called back on 2/8/2023 which was my 14days and gave my accountvand routing info again then was told it would take another 7 days. So I called back today 2/13/23 and was told that I provided my info on 2/8/2023 which was for the 2nd time because I still hadn't received my money for my loan that I paid off. I asked to speak with a supervisor and was told that one wasn't available. So the rep continue to tell me that since I provided my information on 2/8/2023 I have to wait an additional 14days for my payout. This is truly a inconvenience to me because I need my money. I will never recommend nor do business with SST ever again in life. I feel like this is a lawsuit that needs to be pursued. I am beyond frustrated at this point and just want what is owed to me that is all.

  Business Response

  Date: 03/03/2023

  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.
  Our records reflect that on April 1, 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, *** ***** agreed to make 37 bi-weekly payments of $100.00, beginning on April 22,
  2022, with one final payment of $20.58.
  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 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 the funds, in the amount of $2,256.62,
  were released to her on February 27, 2023.

• Initial Complaint

  Date:02/11/2023

  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 is holding my savings account and will not release it to me. I have called several times and they told me wait 30 days well it’s been well over 30 days and I no longer want to wait. I paid everything off so they can release my saving account and they won’t and that’s not right. How can I get these people to give me my money

  Business Response

  Date: 02/20/2023

  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.
  Our records reflect that on March 7, 2021, ****** ******* entered into and signed for a ******
  Borrow & Grow Plan, Savings-Secured Loan (“the Contract”); financing $1,300.00 with **********
  ********** ***** doing business as ****** (“******”) and funded by ***** ***** ****. According to
  the Contract, *** ******* agreed to make 39 bi-weekly payments of $40.00, beginning on
  March 26, 2021, with one final payment of $11.57.
  
  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 into 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. Simmons’ 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 $667.07, were released to her on February 14, 2023.

• Initial Complaint

  Date:02/10/2023

  Type:Order 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 complaint is in regards to a personal loan that I originally took out through ****** as of December 2021. They have now transferred to SST Service Systems Technologies Inc. While in SST's care I have since paid of my loan as of 1/20/23 for the amount of $1637.90 and was told that my savings $1,399 will be released within 10-15 business days. I have called numerous times asking when they will be releasing my savings and every time they can not seem to give me a straight answer. This is unacceptable and I would like my savings sent to my bank account ASAP!

  Business Response

  Date: 02/20/2023

  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.
  Our records reflect that on December 10, 2021, Francisco Plaza 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, *** ***** agreed to make 59 bi-weekly payments of $60.00, beginning on
  December 29, 2021, with one final payment of $26.52.
  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 *** *****’s Loan Account remained 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
  $1,399.03, were released to him on February 14, 2023.
  

• Initial Complaint

  Date:02/09/2023

  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.

  The account was paid in full on January 27, 2023, in the amount of $959.31 (******** 01/27/2023 01/27/2023 Debit Agent Payment 959.31). At that time I was advised that in 14 days, I should receive my refund of the savings account balance in the amount of:
  Bank Name: ***** ***** **** Savings Account Number (Last 4): **** Balance as Of 01/12/2023: $1,671.96
  
  I have called on 3 different occasions and during my last call today, I was advised that I still had a 70.00 balance due. and based on the documents I have attached, my balance is zero.
  
  The last person I had a conversation with also stated that once my account shows zero, I wouldn't get my savings balance sent to me until after that...which means it will amount to about 30 days.
  
  I will be seeking legal counsel, I have asked on 3 different occasions to speak with a manager and I was refused that opportunity to do so.
  
  This company practice on refunding savings balance cant be legal in how they handle it.

  Business Response

  Date: 02/20/2023

  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.
  Our records reflect that on August 15, 2021, ******* ******** entered into and signed for a ******
  Borrow & Grow Plan, Savings-Secured Loan (“the Contract”); financing $2,667.00 with **********
  ********** ***., doing business as ****** (“******”) and funded by ***** ***** ****. According to
  the Contract, *** ******** agreed to make 50 bi-weekly payments of $70.00, beginning on
  September 10, 2021, with one final payment of $54.23.
  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 ***** ***** ****. When *** ********’ Account
  was transferred to SST, her name appears as “******* *******”.
  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 her Savings Account funds. It is SST’s understanding that the funds in the
  amount of $1,672.00, were released to her on February 16, 2023.

• Initial Complaint

  Date:02/09/2023

  Type:Customer Service 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 off my account on Jan 30th. They said that it would take 14 days to close my account and eventually receive my savings money of 2500.00 . I just think this is crazy practice. If i were one day late, this company would send 6 emails, several phone calls trying to collect there money. Now when I have satisfied my end of the bargain. There like whoa whoa wait a min. Its going to take 14 days to get anything started.

  Business Response

  Date: 02/20/2023

  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.
  Our records reflect that on March 8, 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, *** ******** agreed to make 28 monthly payments of $200.00, beginning on
  April 10, 2022, with one final payment of $16.36.
  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 remained 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 $2,507.36, were released to him on February 16, 2023.

• Initial Complaint

  Date:02/08/2023

  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 December of 2022 SST took over servicing of the Borrow and Grow loan. I have made multiple attempts to contact sst by phone to no avail. My payments were to be due on the 1st of every month in the amount of $200. My account was debited $200 on 1Dec22, 31Dec22 & again on 1Jan23. I noticed & was unable to reach SST by phone. My account information online showed I was not due again until March. Imagine my suprise when I was also debited on 31Jan23 & again on 1Feb23 after being lead to believe that i wasn't due again until march. It now shows 30April23 after having 2 more payments debited, which were only due once on the 1st. I do not believe my balance remaining to be accurate, nor do I believe my payoff to be accurate either after having 5 payments debited since 1Dec22 for $1000 total. Only 1 automatic debit was authorized for SST each month, in the amount of $200 on the 1st of every month. I also have no faith that the payments will stop being debited upon my paying off the loan.

  Business Response

  Date: 02/15/2023

  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.
  Our records reflect that on April 26, 2022, ***** ******* 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, *** ******* agreed to make 28 monthly payments of $200.00, beginning on
  May 31, 2022, with one final payment of $29.10. The terms and conditions of *** *******’ Loan
  Account remain unchanged. *** ******* is showing current and due for the April 30, 2023 payment in
  the amount of $200.00.
  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.
  The terms and conditions of *** *******’ Loan Account remain unchanged. After the service transfer,
  on December 7, 2022, *** ******* setup electronic funds transfer (EFT) online, via ****************
  for the minimum monthly payment of $200.00. However, she also had a recurring debit of $200.00 that
  was transferred over from ******. *** ******* is showing current and due for the April 30, 2023
  payment in the amount of $200.00.
  SST has cancelled the recurring debit payment as of February 15, 2023 and reset the EFT withdrawal
  for the next payment due, April 30, 2023, per *** *******’ request.
  If *** ******* has any further questions or concerns, she may contact SST Customer Service directly

  Customer Answer

  Date: 02/22/2023

  Complaint: 19370096
  
  I am rejecting this response because: Since receiving the response thru BBB, I recieved an automated email from SST suggesting my account was not current & that I should set up automated payments again. As they stated, I set up automated payments because after they took over I recieved a similar email stating I needed to set up automated payments. There is still nothing showing whether or not the original automated payment has actually been canceled thru ***** ***** **** as was infered when SST took over, nor have i received any of the additional documentation which I requested dating back to the loan origination. As the limited communication I have recieved from SST continues to be deceptive in misrepresenting what actions are required by me, the borrower & I am still unable to contact SST directly the minimum action they have taken is not satisfactory.
  
  Regards,
  
  ***** *******

  Business Response

  Date: 03/03/2023

  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.
  As previously stated in our response of February 15, 2023, our records reflect that on April 26, 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, *** ******* agreed to make 28 monthly
  payments of $200.00, beginning on May 31, 2022, with one final payment of $29.10. The terms and
  conditions of *** *******’ Loan Account remain unchanged.
  After the service transfer, on December 7, 2022, *** ******* setup electronic funds transfer (EFT)
  online, via ***************, for the minimum monthly payment of $200.00. However, she also had a
  recurring debit of $200.00 that was transferred over from ******. *** ******* is showing current and
  due for the April 30, 2023 payment in the amount of $200.00.
  It should be noted, however, that since this is a simple interest loan, *** ******* should continue to
  make payments because of the accrual of interest. If there is no payment between now and the next
  due date of April 30, 2023, then the May 1, 2023 EFT withdrawal payment would be applied towards
  interest and nothing towards principal. Her last payment was on February 1, 2023, and if no payment
  until May 1, 2023, that’s two months without a payment.
  SST has cancelled the recurring debit payment as of February 15, 2023 and reset the EFT withdrawal
  for the next payment due April 30, 2023, to be pulled on May 1, 2023, per *** *******’ request.
  SST is unable to provide any information from the prior servicer.
  If *** ******* has any further questions or concerns, she may contact SST Customer Service directly

  Customer Answer

  Date: 03/13/2023

  [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: while i understand this is a simple interest loan, i had to pull money from other parts of my budget including preparing for the arrival of my unborn child due to the inconsistent emails & inability to get in contact with SST on my own to remedy the issues. As i had tried calling and emailing prior to reaching out thru BBB, i am not satisfied that I am paying more interest on this loan when the fault was not mine, i was simply following instructions received in automated emails related to the the transition from ****** to sst. I did as i was directed to do and dont believe the consequence is mine to bear. As i have continued to get automated emails directing me to set up automatic payments as these communications thru BBB have been on-going, i also believe the issue is systemic to the way SST does business. The automated emails are written in a way to incite action as if the account was past due or possibly in collections when the account is actually current. I chose to do business with ****** because of their customer service. I did not choose to do business with SST nor would I again.
  
  Regards,
  
  ***** *******

  Business Response

  Date: 03/23/2023

  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.
  As stated in our prior responses, our records reflect that on April 26, 2022, ***** ******* entered into
  and signed for a ****** Borrow & Grow Plan, Savings-Secured Loan (“the Contract”); financing
  ***** ****. According to the Contract, *** ******* agreed to make 28 monthly payments of $200.00,
  beginning on May 31, 2022, with one final payment of $29.10. The terms and conditions of ***
  *******’ Loan Account remain unchanged.
  After the service transfer, on December 7, 2022, *** ******* setup electronic funds transfer (EFT)
  online, via ***************, for the minimum monthly payment of $200.00. However, she also had a
  recurring debit of $200.00 that was transferred over from ******. *** ******* is showing current and
  due for the April 30, 2023 payment in the amount of $200.00.
  It should be noted, however, that since this is a simple interest loan, *** ******* should continue to
  make payments because of the accrual of interest. If there is no payment between now and the next
  due date of April 30, 2023, then the May 1, 2023 EFT withdrawal payment would be applied towards
  interest and nothing towards principal. Her last payment was on February 1, 2023, and if no payment
  is made until May 1, 2023, that would be two months without a payment.
  SST has cancelled the recurring debit payment as of February 15, 2023 and reset the EFT withdrawal
  for the next payment due April 30, 2023, to be pulled on May 1, 2023, per *** *******’ request.
  The automated messages will continue as reminders to continue making regular monthly payments.
  SST is unable to provide any information from the prior servicer.
  If *** ******* has any further questions or concerns, she may contact SST Customer Service directly

  Customer Answer

  Date: 03/27/2023

  [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: I checked the portal to verify the automatic payment information provided was accurate & found a brand new $10 fee added on with zero notice. I also checked to see if the same fee was added to one-time payments but it wasnt. I have also recieved another email saying both i have a scheduled payment & suggesting that i need to bring my account current by setting up automatic payments. This company continues to demonstrate poor management of consumer accounts. 
  
  Regards,
  
  ***** *******