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:02/27/2025

  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.

  This company claims that they have taken over a financial services company that went out of business, and that I owe them $8000, which they have reported to my credit report and it has negatively impacted my credit score

  Business Response

  Date: 03/04/2025

  Please see attached letter. According to our records on August 30, 2022, Mr. ******** signed an agreement with Cross River Bank c/o Tally Technologies, Inc, for a line of credit in the amount of $8,000.00 with an initial interest rate of 15.99% 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.

• Initial Complaint

  Date:02/21/2025

  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 had a debt with ***** Inc that I had been making regular payments on. ***** Corp notified me back in the Fall of 2024 that they were transferring my debt to SST. I have reached out to SST to request documentation that provides the details of the loan I have with them. The only details I have received from them, is my contract information with *****. They sent me details on how much I would be paying each month to pay off the loan, and that the term was 60 months. When the debt transferred to SST, I owed $2333 and some change. I have made multiple payments and that balance is still $2333. ***** had never reported my loan to the credit bureaus, however SST has reported it, and it dropped my credit score by 40 points. They have also reported the debt to be $2445 which is inaccurate. I disputed this with Transunion which was unsuccessful. This inaccurate charge remains on my credit report. I have made monthly payments since September 2024, in which NOT one cent has gone to principal. There has to be some terrible inaccuracies going on with this company. If I continue to make these monthly payments for 60 months in the end, SST will earn $2250 (approx) in interest from me. I don't have any agreement with this company, they are taking money from me, that I do not owe them. I owed *****. Extremely bully move to be taking monthly payments from individuals for 5 years and not applying one penny (so far) to the actual loan. Taking every penny for their profit. Horrible business practices!! I have no issues paying off this debt. I just want accuracy in the information that is being reported to the credit bureau & I want to see my payments affecting the balance of the loan. I was not given a choice when this "transfer" happened. I have NO contract with SST, this is unfair business practice, and someone needs to audit them because they have MANY complaints similar to mine.

  Business Response

  Date: 03/04/2025

  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 April 28, 2022, Mrs. Ivins, signed an agreement with Cross River Bank c/o Tally Technologies, Inc, for a line of credit in the amount of $4,000.00 with an initial interest rate of 24.99% 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 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 her, her balance at the time of transfer of $2,333.92 with a fixed interest rate of 29.99% and a minimum payment required of $76.49 due on October 1, 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 she can self-serve her account on our website, w*******************
  Based on the Truth-In-Lending Disclosure provided, her balance at the time of transfer was $2,333.92, with a fixed interest rate of 29.99%. At the time of transfer, her interest was $59.65. Mrs. Ivins’s first payment was due October 1, 2024.
  Here’s how her payments have been applied:
  1.
  ******* ** ********
  *** *******

  Customer Answer

  Date: 03/20/2025

   
  
  ********** ********
  
  
  
  I am rejecting this response because I've made monthly payments each month and there is NO way I owed that much in interest that none of my payments except 19 of my most recent was applied to principal.  That 439 dollars in interest. Your response makes absolutely zero since. I did not have all that accrued interest that was due. Their statements do not break down principal and interest paid. Just gives a total owed. For 5 months of payments my total stayed the same. Surprise, as soon as I file a complaint my March payment applied $19 to principal! 

  
  You are making a ton of money off of this loan. If I continue to make these payments for the 60 months I'll have the loan paid off almost double the amount that I owe!  Sounds like my interest is 50% not 29.9.  you purchased the loan from Tally and I'm sure you didn't pay what I owed for it. This is robbery and unfair business practices for the everyday consumer struggling to make ends meet in this economy. 

  I would like for this to be removed from my credit report.  I'd also like to see the amount I owe to be adjusted as I've made multiple monthly payments that all but 19 dollars was applied to interest.
  
  
  
  
  ****** *****

  Business Response

  Date: 03/27/2025

  As reflected in the TILA statement, Tally sent you, you are correct in that making 60 monthly payments at 29.99% will cost you as much as interest as you borrowed. If you make bigger payments or additional payments, you will pay off the amount borrowed in a much shorter time while paying much less interest. 

• Initial Complaint

  Date:02/17/2025

  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 noticed on my TransUnion that this company called SST started to reported a delinquent account. I submitted a dispute under fraud and created an FTC report for identity theft because I do not know this business and have never done business with them. TransUnion deleted the account and a few days later it showed up again. I have submitted complaints through CFPB and FTC. I do not know who they are and I do not owe them money nor have I ever done business with them. Please delete this account and as it’s fraudulent

  Business Response

  Date: 03/03/2025

  On 2/28/2025, sent you a validation via mail of your account to the address on the complaint.

• Initial Complaint

  Date:02/17/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing a complaint against Systems & Services Technologies, Inc. (SST) for deceptive loan servicing practices and unauthorized loan modifications that contradict the original agreement from my prior servicer, Tally Technologies.
  
  SST changed my loan terms without consent. My loan was originally a line of credit, but SST converted it into a fixed-term loan without notifying me.
  
  SST is charging $2.79 in daily interest, which was not disclosed in my original loan terms or the transfer notice.
  
  Tally’s transfer notice (attached) explicitly states that the loan terms would not change, yet SST has altered my repayment structure and added undisclosed finance charges.
  
  Legal Concerns:
  SST’s actions may violate:
  
  The Truth in Lending Act (TILA) – for failing to provide clear disclosures about loan modifications and finance charges.
  
  Unfair or Deceptive Acts and Practices (UDAP) laws – if they misled borrowers about the nature of their loan transfer.
  
  Resolution Sought:
  Investigate SST’s deceptive loan modifications and potential violations of consumer protection laws.
  
  Require SST to provide clear documentation on whether borrowers’ loan terms have changed.
  Ensure that all loan modifications are properly disclosed and approved by borrowers.
  
  Hold SST accountable for any unauthorized charges.
  
  These actions impact multiple borrowers, and I urge the CFPB to take regulatory action.

  Business Response

  Date: 02/28/2025

  Please see attached letter.According to our records on November 26, 2021, Mrs. ******n, signed an agreement with C**** 
  River Bank c/o Tally Technologies, Inc, for a line of credit in the amount of $10,000.00 with an 
  initial interest rate of 9.99% 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 Tally Line of Credit over a 
  five-year period.

  Customer Answer

  Date: 02/28/2025

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 22******, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  K****** *******

• Initial Complaint

  Date:02/16/2025

  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.

  Tally sold their accounts to this company. It has been nothing but a nightmare since. The first month, they sent a statement saying what my payment would be. that looked great, at first. Then soon after I started receiving phone calls saying my account was behind. How could my account be behind when I haven’t even had my first due date yet? I asked many times what the issue was and no one could answer my questions. Just that “they can only see what was sent from tally” I NEVER missed a payment with Tally.So I paid a normal payment to them just to get them to leave me alone. Then again, a few days later I’m getting calls saying I’m 300ish behind. AGAIN, how am I behind when I just got transferred to you and I’ve made a payment? So I talked to about 5 people asking what the deal was, no one could answer me. One time I would get on a call and they said “oh your account is fine” then another person would say “oh it’s behind” but couldn’t explain why. I started to question the legitimacy of this company and was very weary of giving them anymore money. Especially when they couldn’t explain what they had on file of why I was “behind” with tally. When I never was! A week ago, they reported a late payment on my credit report!I called them,outraged. Asked to speak to a supervisor and stayed on hold for 30 min. I finally talked to someone and he was very rude.paid them almost 800 just to shut them up about the money I “owed”which I didn’t. I explained the full situation to him, he finally seemed to care a little and said he would “take the extra step” and send my information to the credit dispute department. And to call back in a few days, I did that and then called a few days later. They said “oh call back in another few days” it STILL has not been fixed and they are rejecting my dispute. If this does not fix my problem, I will be contacting an attorney. They should not be able to report me as late, WHEN THEY CAN’T EVEN FULLY EXPLAIN WHAT TALLY FALSELY REPORTED TO THEM

  Business Response

  Date: 02/28/2025

  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 June 2, 2021, Mrs. Giles, signed an agreement with T**** ***********s, Inc, for a line of credit in the amount of $3,000.00 with an initial interest rate of 23.99% 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 T**** ***e of Credit over a five-year period.
  ****y ceased operations in early September 2024 and transferred all open accounts to SST for servicing purposes Prior to the transfer, ****y sent a Truth-In-Lending Disclosures showing her, her balance at the time of transfer of $3,881.20 with a fixed interest rate of 24.00% and a minimum payment required of $111.64 due on October 4, 2024. ****y 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, www.accountinfo.com.
  Based on the account overview, the payment of $486.42 made to ****y prior to the transfer was returned due to insufficient funds. We also received a payment of $111.24 on October 1, 2024, which was returned on November 29, 2024, due to insufficient funds. Once the payments were missed, SST attempted to contact her to bring her account current. All collection activity policies

  Customer Answer

  Date: 03/04/2025

  
  
  ********** ********
  
  
  
  I am rejecting this response because:
  
  
  Once again, the information you “received from *****” is not correct. 
  also, your customer service and supervisors are horrible. They cannot answer any questions when I repeatedly asked them why I owed so much to begin with and their response was “I don’t know” then I got told it was all cleared up just for them to change their minds again. I want this false late payment removed from my credit report immediately. 
  
  Sincerely,
  
  
  
  ********** *****

  Customer Answer

  Date: 03/19/2025

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

  Once again, you all have not been helpful nor informative since you took over from Tally. All information received from them was incorrect, and no representatives of your company have been able to give me any straightforward answers. I am highly uncomfortable paying you all any amount of money, your company seems almost like a scam. All I am asking is for you to remove a late payment which was not accurate to begin with. 
  
  
  
  **********
  
  ****** *****

  Business Response

  Date: 03/27/2025

  Please note
  SST does not charge late fees or impose other penalties.   

• Initial Complaint

  Date:02/16/2025

  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 had Loan and Sst took over my account. I paid off my loan and have a savings with them for 2000 and I cannot my funds. They also took an additional 160 out of my checking when my account was paid off. It's been over two weeks. I still have been able to get my 160 back or my 2000. I spoke to numerous Employees/customer service I've sent numerous emails some of which I've never received a response back to spoke with a gentleman named Ben Blair he going to look into everything. And call me back it's three days later now and still nothing and the emails I just recently sent have not even been responded back to. Theybounced my checking account because of the additional $160 they took out and I On Social Security disability, I only receive one check a month so they left me with no money and are not working with me at this point refund my 160 and give me access to the $2000 savings I had also, this was sent from two different emails because no one was responding to the The one so I sent it from my other email, Mail and still nothing

  Business Response

  Date: 02/28/2025

  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 high level of customer satisfaction and appreciate the opportunity to assist you. Having researched this matter, please be advised of the following:
  On February 21, 2025, a refund for $160.00 was processed and issued for the overpayment. During this processing period, our systems recognized the account was Paid in Full, which allowed for the Secured Savings funds transfer request to be initiated. The request to transfer the Secure Savings funds was completed online on February 18, 2025, and completed on February 21, 2025. Our records indicate the Secure Savings funds totaling $2,006.41were successfully transferred on February 21, 2025.

• Initial Complaint

  Date:02/12/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Systems & Services Technologies. I do not have a contract with Systems & Services Technologies, they did not provide me with the original contract as I requested.

  Business Response

  Date: 02/21/2025

  Please see the attached response.We appreciate the opportunity to respond to the above-referenced complaint your office brought to our attention. Systems and Services Technologies, Inc. (“SST”) is a loan servicing and payment processing company that is committed to resolving customer service issues in a cooperative and expeditious manner. Please know that SST has no ownership in this Account and does not purchase loans; it is merely the servicer. Consumer permission is not required to change servicers. The changing of a servicer does not discharge the debt. Having researched this matter, please be advised of the following:
  On November 6, 2017, you, L**** *****nt, signed an agreement for a M***** ** ******* ***** **an (“the Contract”) financing $9,000.00. According to the Contract, you agreed to make 47 monthly payments of $271.43, and one final payment of $265.73 (estimated), beginning on December 20, 2017. There were payments made on the account with Goldman Sachs from December 20, 2017, up until October 28, 2019.

  Business Response

  Date: 03/10/2025

  As mentioned before, this account had been outsourced to Zwicker prior to the the transfer with SST, therefore no payments were made to SST. Also, a Validation of Debt was sent to the address on file This account has been closed with SST and has been outsourced to the vendor Zwicker, who can be reached at 1*************. We encourage you to reach out to them concerning any questions you might have about your account..

  Customer Answer

  Date: 03/10/2025

   
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID *******2, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ***** *******

• Initial Complaint

  Date:02/08/2025

  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.

  I am writing to formally dispute an account listed on my credit report associated with SST dated January 8, 2018 (Account Number: PL0100XXXXXXX). I am a victim of identity theft, and this account was fraudulently opened without my knowledge or authorization.
  
  I have filed an official complaint with IdentityTheft.gov regarding this matter and have enclosed copies of the filed report along with this letter for your reference.
  
  I kindly request that the BBB investigate this fraudulent account and take the necessary steps to rectify the situation. I would appreciate a confirmation of receipt of this dispute and an update on the progress of the investigation.
  
  Please find enclosed:
  
  A copy of my IdentityTheft.gov report.
  
  A copy of my credit report highlighting the unauthorized account.
  
  A copy of my government-issued ID for identity verification.
  
  Thank you for your prompt attention to this matter.

  Business Response

  Date: 02/19/2025

  Please see the attached response please. Thanks in advance.On January 8, 2018, you, ***** *****ri, signed an agreement for a Marcus by Goldman Sachs loan
  (“the Contract”) financing $25,000.00. According to the Contract, you agreed to make 36 monthly
  payments of $794.87, beginning on January 31, 2018. There were payments made on the account with
  Goldman Sachs from January 31, 2018, up until August 27, 2020.
  On December 9, 2023, the Account was transferred to SST. Consumer permission is not required for
  transferring loan servicers. The creditor was not changed by the transfer.
  At the time of transfer, the Account had a balance of $6,820.25 and was already charged off. This account
  had been outsourced to Zwicker at the time of SST was transferred the account, so no payments were
  made to SST. Then the account systematically moved to Radius

• Initial Complaint

  Date:02/06/2025

  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 had a loan with ***ly with an agreed upon 16.99% interest rate. My loan was transferred to SST. My interest rate is now 26.99% and they charge a daily interest fee of $4 per day. Every payment I've made thus far to SST has only been applied to "interest". I've called numerous times requesting a document stating the total amount of interest they are charging me each month and how they are applying my payments. They keep saying they'll send me a detailed statement in 24 to 48 hours and I never receive it! I have currently made 4 extra payments in less than a months time and my balance remain the same! This business is ripping people off! Please advise with how to handle this.

  Customer Answer

  Date: 02/15/2025

   
  ********** ********
  
  
  
  I am rejecting this response because: The company still refuses to give me a detailed bill showing the exact amount of interest I am being charged per month and the exact amount of how my payments are being applied. I had to contact BBB just to get the information that was shared through their response and they are still not giving me the information I requested. My December payment was late because I kept calling them asking why did my interest rate change as I had paid the annual extra membership fee for the discounted interest rate of 16.99%, the representative stated "That's why Tally went out of business." I called numerous times asking for a detailed bill showing the exact amount in writing of the interest being charged on my account each month because every time I've contacted this business they gave me a different answer. I informed them I did not trust them and I needed to see how they're billing me in writing. They kept saying they would send me something in writing via email within 48 hours but never followed up. I've called this company multiple times regarding this. I went ahead and paid my December bill because I did not want it to go into default. I deserve to know where my money is going, I'm not understanding why this company can take my money but not give me a detailed description into where it's going. This is the only company that I know that refuses to do this. It is unacceptable and seems predatory. If you read the business's response, they used words like "most likely" that's unacceptable. Give me a written detailed bill of what you are charging me and how you are applying my payment. I stand by my statement this business need to be investigated and shut down. 
  
  
  
  Sincerely,
  
  
  
  ******** ******

  Business Response

  Date: 02/21/2025

  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.
  We’ve completed our review of the account in question and found the following:
  As stated in our previous response of February 14, 2025, on September 11, 2022, Mrs. Tucker,
  signed an agreement with Cr*** ***** Bank c/o Tally Technologies, Inc, for a line of credit in the
  amount of $6,000.00 with an initial interest rate of 23.99% 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 T**** **** of
  Credit over a five-year period.
  Unfortunately, we cannot provide a detailed bill showing the exact amount of interest being
  charged each month, as the interest and principal amounts fluctuate depending on the payment
  date. This is a common structure with amortizing loans, where more of the payment goes toward
  principal over time as the balance reduces.
  Please refer to the terms of the agreement, which state that in the event of a servicing transfer the
  Discount Program will no longer be available.
  As the account has been transferred to a new servicer, this APR discount is no longer applicable.
  We regret any confusion this has caused.
  As of February 21, 2025, the estimated payoff on your Signature Loan is $5,127.26, and the daily
  interest amount is $3.79. Moving forward, as the principal decreases, a larger portion of each
  payment will go toward reducing the principal balance.

• Initial Complaint

  Date:02/03/2025

  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.

  SST is a scam company. They do not provide a website link that works and the only way they want you to pay is via phone without seeing any account information. They are reporting an incorrect balance that was provided by Tally and have received multiple complaints. They cannot provide any legitimate source of information and need to be shut down.

  Business Response

  Date: 02/12/2025

  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 May 26, 2022, Mrs. Schaffer, signed an agreement with Cross ***** **** *** ***** ****nologies, Inc, for a line of credit in the amount of $4,000.00 with an initial
  interest rate of 23.99% 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 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 her,
  her balance at the time of transfer of $2,883.72 with a fixed interest rate of 24.99% and a minimum
  payment required of $84.62 due on September 28, 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 she can self-serve her account on
  our website, www.accountinfo.com.
  Our research indicates there were no subsequent payments made on the Account after the transfer.
  Please note her payment was due on September 28, 2024, in the amount of $84.62. Once the
  payment was missed, SST attempted to contact her to bring her current. Because Mrs. Schaffer
  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. 

  Business Response

  Date: 02/17/2025

  As mentioned before, SST 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, www.accountinfo.com. At that time the Mrs. Sc*****r would have been able to make payments accordingly. SST's website and account information are secured in accordance with best practices in the industry. The website no longer works because Mrs. Sc*****r failed to make any payments on the account, and account was charged
  off on January 31, 2025. At this time, we can only take a full payment for the payoff amount. 

  Customer Answer

  Date: 02/21/2025

  
  
  Complaint: 22****26
  
  
  
  I am rejecting this response because:

  1. I contacted SST and asked them to provide a valid website for me to pay my balance multiple times. 
  2. I was told to refer to an email that had an accountinfo website in order to pay. When I told them this website is not valid and does not result in anything, they told me that the wrong website was provided to everyone and that I can pay over the phone. I asked what’s the correct website and the agent could not provide a website. 
  3. This company, if it was real, should have a legitimate website where I could see my account info, balance, and keep record of when the account was paid off. I should not have to speak to an agent who could not verify anything. 
  

  this company is a scam. 
  
  
  
  Sincerely,
  
  
  
  Le**** ******er