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:09/20/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  SST took over servicing a loan a had taken out from a different vendor. Since then this account has been reported incorrectly multiple times on my credit report, first being shown as closed with no balance; second, as transferred to another lender; third, showing they have the account and it has a balance; and now as the account is again apparently no longer with this company they refuse to report it accurately on my credit. They are saying we don't have an account with them, but they are still reporting to my credit, will not update the the account to show it in charged-off status on my credit, report it was transferred to another company and will not provide me with documentation that my account has been charged off. I have disputed it with the credit bureaus, but SST refuses to supply complete and accurate information upon their request.

  Business Response

  Date: 09/30/2024

  Please see attachment.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.
  We’ve completed our review of the account in question and found the following:
  On July 6, 2021, Amanda K Vanover, signed an agreement for a Marcus by ******* ***** loan (“the
  Contract”) financing $30,000.00 for an Unsecured Personal Loan. On December 11, 2023, the Account
  was transferred to Systems and Services Technologies, Inc. (“SST”) for servicing. The terms of the
  Contract remain the same.
  At the time of servicing transfer, the Account had a balance of $20,706.10 and was due for the January
  6, 2024, payment. On January 5, 2024, you cancelled your automatic payment on SST’s customer
  website, accountinfo.com. You have made no payments on the Account since the transfer. SST tried on
  several occasions to reach you via cell phone, text messages and letters through regular mail all with no
  response from you. All communication listed a contact number and mailing address as well as our
  website address, accountinfo.com. Due to non-payment, your account was charged off on May 31, 2024

  Customer Answer

  Date: 09/30/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
   I called your credit dispute department and was greeted with hostility before I even had said one word to the lady on the other end, apparently from whatever the customer service rep who had transferred me said to her. She refused to help in any way included providing me with documentation that this debt is charged off and when. I don’t disputed that is it charged off. YOUR company, not Goldman Sach nor *******, is not stating on my credit report that this account is in fact charged off. ******* ***** nor ******* can change what YOUR company is reporting to the credit bureaus. Furthermore, the EXACT  same day I made the call to your credit dispute department they went in and reported/updated it incorrectly again. 
  

  All I want is for it to be reported correctly as charged off with the credit bureaus. It seemed like a pretty simple request. 

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

  Business Response

  Date: 10/09/2024

  SST has confirmed that we are currently reporting your account as charged off. The account has been outsourced to a debt collection law firm who should be contacting you soon. 

• Initial Complaint

  Date:08/19/2024

  Type:Product 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.

  Agency refused to provide my funds in the timeline that was provided! Various agents informed me it would take 3 business days for me to receive my payment after I submitted my request. When I submitted my request it told me it would take up to 3 business days. It has been well over 3 business days and I’m still getting the runaround about my funds and the agents refuse to allow me to speak with someone higher.

  Business Response

  Date: 08/26/2024

  The San Francisco branch of the Better Business Bureau
  (“BBB”) sent Systems & Services Technologies (“SST”) your BBB complaint for
  us to respond as a courtesy.  SeedFi previously forwarded multiple SeedFi
  accounts to SST to service. Your account was one of those forwarded to us.  
  
  Based on the age of your complaint, it is unclear to us
  whether your issues still exist.  We at SST are committed to resolving any
  issues you might have. Therefore, should your issue remain, we suggest reaching
  out to us at * ***** ********* 

  Customer Answer

  Date: 08/26/2024

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

• Initial Complaint

  Date:08/10/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Issue I opened an account with **********. All payments due had been made on time automatically debited from my account. ********** decided to send my account to System & Services Technologies "SST". That account number ******** Client: ********** my payments continued seamlessly on-time automatically. I did not have any issues.
  On July 20th, 2024, I called SST and requested I payoff amount, and paid off the account. The SST representative that took the payment explained I would need to wait 15 days. In those 15 days SST will inform Cross River Bank that my account was paid in full on my ********** loan and the security interest on the Saving Account would be paid to me. It was crucial that I understood only after the 15 days could I request the funds. On 04th day if Aug2024 I request my funds and was told it would be deposited into my bank in 3 business days. Aug. 7th No funds received. I called SST back and was told wait 2 more days. Aug 9th still no funds. I called SST and was told call back on the Aug 10th if the funds were not received and the agent would escalate my concern. Aug 10th still no funds. I called SST and the agent advised me they would send an email and I should eventually get my funds. I also received an email from SST and it stated If I did not received my funds to call ************ for assistance. No one has been able to explain why I did not receive my Security interest on the saving account about 1900.00. Please help me understand what the issue is.
  
  Marisol

  Business Response

  Date: 08/15/2024

  Please see attached response.

• Initial Complaint

  Date:08/05/2024

  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.

  My account has been paid in full as of 6/25/2024. I have contacted the company to mark this account as paid and submit it to the credit bureaus. When I spoke with the representative they said I would receive a letter in the mail in 20 days showing my account was paid and it would be updated with the credit bureaus. I have never received any correspondence from this company showing my payments. This account still shows active and unpaid on all of my credit reports. I have filed a claim on credit karma and there has been zero response. I want this account marked as paid in full and updated/removed from my credit report. I have attached proof of payments I made and that the account still shows I have a balance.

  Business Response

  Date: 08/14/2024

  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.
  We’ve completed our review of the account in question and found the following:
  
  On May 17, 2022, ***** *******, signed an agreement for a Marcus by Goldman Sachs loan (“the
  Contract”) financing $30,000.00 for an Unsecured Personal Loan. On December 11, 2023, the Account
  was transferred to Systems and Services Technologies, Inc. (“SST”) for servicing. The terms of the
  Contract remain the same.
  
  At the time of servicing transfer, the Account had a balance of $22,037.12 and was due for the December
  17, 2023 payment. The last payment made was a payoff for $19,337.54 on June 19, 2024.
  
  Please know that when a final payment is made, there is a 15-day clearing period before the Account can
  be completely closed.

  Paid in Full letter was sent to Ms. ******* on July 18, 2024.

  Ms. ******* may contact Customer Service at ###-###-#### for further questions or concerns.
  
  Very truly yours,
  
  
  * ***** *******
  Compliance Officer
  Systems & Services Technologies, Inc.

  Customer Answer

  Date: 08/18/2024

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********. While I find that this resolution is satisfactory to me, the company made no effort to report my paid in full debt until I made my initial complaint. This company has several derogatory reviews regarding their dishonest practices when it comes to loan servicing. I do believe this company should be investigated further. 
  
  
  
  Sincerely,
  
  
  
  ***** *******

• Initial Complaint

  Date:07/24/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I been paying this company $100 a week that was our agreement. My original payment was $387.42 a month I’ve been paying them $400 a month. I spoke to them multiple times some months I even paid more than $400. They change my due date they told me on the phone and it’s even on the recordings that all for supervisors ****** ******** ******* and ******* told me. They’ve been falsely reporting on my credit report that I haven’t made any payment since March of this year and reported that I miss March April, May, June and July payment when I submitted my bank statements to them and they said they see everything and it’s a misunderstanding, but they’re not able to fix my credit report they told me. I spoke to several managers multiple representatives. They have actually no clue what they are doing. They don’t know how to communicate and they are falsely reporting incorrect information on credit report, which is not fair to me when I am a loyal, customer has been making all my payments on time, and they refused to fix my credit report.

  Business Response

  Date: 08/02/2024

  Please see attached response.

• Initial Complaint

  Date:07/09/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  Business Response

  Date: 07/23/2024

  Please see attached response.

  Customer Answer

  Date: 07/23/2024

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

  it doesn’t satisfy my request to get this taken off my credit report. If the BBB could help me with this, it would be a lot of help. Thank you!

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

  Business Response

  Date: 07/31/2024

  Please see attached response.We appreciate the opportunity to respond to the above-referenced complaint your office brought to our
  attention. Systems and Services Technologies, Inc. (“SST”) is a loan servicing and payment
  processing company that is committed to resolving customer service issues in a cooperative and
  expeditious manner. 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.
  As previously stated in our response of July 23, 2024, on June 6, 2018, ******* ***** signed an
  agreement for a ****** ** ******* ***** **** (“the Contract”) financing $20,000.00 for an
  Unsecured Personal Loan. On December 11, 2023, the Account was transferred to Systems and
  Services Technologies, Inc. (“SST”) for servicing. The terms of the Contract remain the same.
  At the time of servicing transfer, the Account had a balance of $17,269.49, was due for the February 6,
  2020 payment and in collection status. There have been no payments made on the Account since
  transfer.
  Because no further payments were made, the Account charged off effective June 4, 2020. Due to the
  charge-off, the Account has been outsourced to Zwicker & Associates for further handling. Zwicker
  can be reached at ***** ******** for additional information.

• Initial Complaint

  Date:07/09/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My loan at Goldman Sachs was taken over for servicing by SST in December 2023. I am multiply disabled with multiple overlapping functional disabilities, but I was able to make all my payments at Goldman Sachs without trouble since I had researched and chosen their loan based on how their site was extremely accessible to me.
  
  SST Servicing has still failed to provide me with basic ADA accommodation requests since I first made a request in December 2023. There are full details below, but in summary, this is what I require:
  1. Removal of ALL derogatory marks on my credit report, as the only reason I haven't paid is because I'm being denied ADA accommodations.
  2. An document/web view accessible to -me- to review my statement, after which I will gladly pay *full* payoff amount, either through an accessible payment portal or another means accessible to me.
  
  //A full description of the basic access requested//
  
  Communication and informational option(s) that let me:
  1. Review my bill in an accessible way. The site is inaccessible. Also, I cannot read black-on-white text so paper statements don't work, and I cannot hear properly on phone calls to ensure accuracy.
  2. Pay my bill in an accessible way. The site is inaccessible. I cannot pay by phone as I cannot confirm details due to auditory difficulties. I can send in a check by snail mail, but that would require accurate an accessible way to review my bill, per the previous point.
  
  Note: Please note that per the ADA, it is illegal to require someone to provide their own interpreter or helper. Several recent lawsuits have confirmed this basic right.
  
  There is no resolution until the derogatory marks are removed. It is only derogatory because you have violated the ADA, which also means you are violating FTC rules.

  Business Response

  Date: 07/25/2024

  Please see attached response.

  Re: Case # ********* ******** *****
  
  To Whom This 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.
  SST has no ownership in these accounts.
  
  We’ve completed our review of the account in question and found the following:
  
  On November 13, 2021, ******** ***** signed an agreement for a Marcus by Goldman Sachs loan (“the
  Contract”) financing $15,000.00. According to the Contract, Ms. ***** agreed to make 36 monthly
  payments of $463.08, beginning on December 13, 2021. On December 9, 2023, the Account was
  assigned to Systems and Services Technologies, Inc. (“SST”) for servicing.
  
  At the time of servicing transfer, the Account had a balance of $4,453.26 and was due for the December
  13, 2023 payment.
  
  No payments have been made on the Account since the transfer.
  
  The Account went past due, charged off April 30, 2024, and subsequently was outsourced to ******* &
  Associates for further handling. If Ms. Clark has any further questions or concerns, she may contact
  ******* at ***** *** * *****
  
  As to Ms. ******* concerns surrounding the accessibility of the website related to statements and
  payments, please know a letter was sent on July 25, 2024 asking her provide specific information about
  what accommodation is being requested because past offers, including but not limited to paper
  statements and telephone assistance, were rejected. She was also asked to share information about which
  programs, software, or external accessibility devices she tried unsuccessfully to use on the website for
  us to be able to investigate further and ensure proper settings are functioning. So that it is clear, we have
  requested information and she has not provided it.
  
  Very truly yours,
  
  
  * ***** *******
  Compliance Officer
  Systems & Services Technologies, Inc.

• Initial Complaint

  Date:06/17/2024

  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 personal loan through ******. In March of 2024 SST started either started handling or bought my loan. When this happened, I made payment to SST. In May of 2024, I was in the process of buying a house and the bank paid off my loan, and I made a regular payment on my loan. Hence, my loan was overpaid by apparently 915.78. My record actually show that the account was overpaid by 969.74. Either way, it is now 6/17/2024. I have yet to receive my refund. They are 1st of all collecting interest on my money. I actually would like to be paid the interest as well as my money owed.

  Business Response

  Date: 06/28/2024

  Please see attached response.

  Re: Case # ********– ***** *******
  
  To Whom This 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.
  SST has no ownership in these accounts nor does it purchase loans; it is merely the servicer.
  
  We’ve completed our review of the account in question and found the following:
  
  On January 26, 2022, ***** ******* signed an agreement for a ****** ** ******* ***** loan (“the
  Contract”) financing $30,500.00. According to the Contract, *** ******* agreed to make 36 monthly
  payments of $969.74, beginning on February 26, 2022. On December 9, 2023, the Account was assigned
  to Systems and Services Technologies, Inc. (“SST”) for servicing.
  
  At the time of servicing transfer, the Account had a balance of $12,718.17 and was due for the December
  26, 2023 payment. Multiple payments were made on the Account since the transfer. The last payment
  of $9,198.20 was received on May 3, 2024. This left a credit balance of $915.784 due to *** *******.
  
  Please know there is normally a 15-day clearing period for a final payment before any funds are released.
  It may also take 3 to 5 business days to complete the funds transfer and get the Account completely
  closed out.
  
  *** ********* refund of $915.78 was requested on June 14, 2024 and sent to her on June 17, 2024.
  
  If *** ******* has any further questions or concerns, she may contact SST Customer Service directly at
  ###-###-####.
  
  Very truly yours,
  
  
  * ***** *******
  Compliance Officer
  Systems & Services Technologies, Inc.

• Initial Complaint

  Date:06/08/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My original personal loan was transferred from ************** to SST and I made the final payment in full on 5-7-24. SST told me that it would take 15-20 business days for the account to fully close and for near $900 in overpayment to be refunded to me. I called on the 15th business day and the 20th business day. I called on 6-7-24 and 6-8-24 and spoke with two different supervisors "****** and *****" and both said the same thing which was that they had no control over the closing department but would escalate the request for the account to close and the money to be refunded. My resolution is for the account to be closed, the credit bureau to be updated, and the money returned.

  Business Response

  Date: 06/19/2024

  Please see attached response.

  To Whom This 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.
  SST has no ownership in these accounts.
  
  We’ve completed our review of the account in question and found the following:
  
  On March 9, 2022, *** ***** signed an agreement for a ****** ** ******* ***** loan (“the Contract”)
  financing $24,000.00. According to the Contract, *** ***** agreed to make 37 monthly payments of
  $740.94, beginning on April 29, 2022. On December 9, 2023, the Account was assigned to Systems and
  Services Technologies, Inc. (“SST”) for servicing.
  
  At the time of servicing transfer, the Account ending in **** had a balance of $12,553.75 and was due
  for the December 29, 2023 payment. Multiple Autodraft payments were made since the transfer. The
  last payment received was on May 7, 2024 in the amount of $9,852.00. This resulted in a credit balance
  of $674.51, which was sent to *** ***** on June 17, 2024. There is a 15-day waiting period for any
  final payment to ensure it clears before closing an account, plus processing time.
  
  As for the Account ending in ****, the balance at transfer was $14,093.79 and was due for the December
  29, 2023 payment. Multiple Autodraft payments were made since the transfer. The last payment
  received was on May 7, 2024 in the amount of $12,990.00. This resulted in a credit balance of $262.87,
  which was sent to *** ***** on June 17, 2024.
  
  With regard to credit reporting, SST accurately submits periodic reports to the three main bureaus:
  **********, ******** and *******. Please allow sufficient time for the bureaus to update their records,
  in some cases, between 60-90 days.
  
  Both Accounts are paid in full and reflect zero balances.
  
  

• Initial Complaint

  Date:06/01/2024

  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 taken out a personal loan in 2020, over the phone with Goldman Sachs, and the interest rate was already high with a 774 Credit Score. No matter, I've made consistent, automatic payment withdrawals, and then found out my loan was sold a few months ago to SST. I've contacted them a few times regarding a payoff amount, and they would give me a number higher than the actual remaining amount, and was still including the interest for 15 months remaining, within my payoff! I have asked for a return phone call back, and the poor girl, with whom I was speaking with was unable to understand my question, or the mathematics involved. On hold numerous times, past and present, no answers, told I am going to receive a call back from a managing supervisor, no one calls back, office closed. Etc! These people are not honest or forthcoming, and I would never want this group handling my finances as they have had a horrible reputation in the past, as this has happened with this company before, in the 90's. I want to pay the balance left in full in the amount, which actually should be $4105.00! Thank you for any assistance in this matter.

  Business Response

  Date: 06/17/2024

  Please see attached response.