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:05/31/2024

  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.

  This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC ********, which makes this unfair practices. According to the FDCPA I’m entitled to 1,000 dollars per violation and clearly they violated my rights.
  
  I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didn’t notate my account on my credit report as “consumer disputes” as a violation that I am able to sue them under.

  Business Response

  Date: 06/13/2024

  Please see attached response.

• Initial Complaint

  Date:05/21/2024

  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 two vehicles taken to this business to have car windows tinted. 4 months later the tint peeled off on the Honda Civic ($275). At first, they were going to honor the lifetime warranty but then i discovered problems with the other vehicle's window tint as well. I paid $175 for the GMC Acadia. Both were not tinted to the exact specifications as requested. lighter than supposed to be. Managment was very rude and I asked for a refund and did not feel comfortable taking my care there. I sent the photos requested and have not had any response since May 10, 2024. I would like a full refund to go somewhere else that can fix the problem.

  Business Response

  Date: 06/11/2024

  Please see attached response.

• Initial Complaint

  Date:05/03/2024

  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.

  SST refuses to give answers on where my $1354.00 money is. They continue to lie and blame the bank. I have spent all week attempting to get answers. They put me on hold for over an hour, customer service tried to make excuses that they know nothing. Yet they provided a receipt of my payments. This was a borrow and grow loan that I paid in full April 4th, 2024. The receipt also from April 24, 2024 States I had to wait another 2-3 business days. Meaning my funds should have been in my checking account on April 26, 2024. It’s now May 3rd. They won’t even confirm if the ACH payment was started. I want my overdraft fees of $ 75, plus interest of $ 68 and a $ 60 penalty in addition to my $1354 they owe me. For a total of $1557 due today May 3rd 2024. If deposit is not received today a daily fee of $ 6.00 will be accessed and owed to me from SST.

  Business Response

  Date: 06/11/2024

  Please see attached response.

• Initial Complaint

  Date:05/02/2024

  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 account is only being report to 2 of the 3 credit bureaus which are Experian and Equifax. The account is not being reported to TransUnion. I called ###-###-#### (credit dispute department) and was told they can’t report my account to TransUnion. But in the response to my CFPB complaint they said they’ll report my account to all 3 bureaus TransUnion, Experian and Equifax. I also call ***** ******* Compliance Officer Systems & Services Technologies, Inc. ###-###-#### a total of three times which he did call me back today 4/12/2024 but he ended the call (yes the call came through but was disconnected so fast that I was not able to accept it)

  Business Response

  Date: 05/10/2024

  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.
  Our records reflect that on November 28, 2021, ******* ******** entered into and signed for a SeedFi
  Borrow & Grow Plan, Savings-Secured Loan ("the Contract"), financing $6,000.00 with **********
  Financial, Inc., doing business as SeedFi ("SeedFi") and funded by ***** ***** Bank. According to
  the Contract, *** ******** agreed to make 81 bi-weekly payments of $100.00, beginning on
  November 22, 2021, with one final payment of $10.84.
  As a New Jersey Chartered, FDIC-insured Bank, ***** ***** Bank ("Bank") offers credit products
  through its strategic marketplace lending platform partners, including SeedFi, 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. SeedFi assists in processing credit applications and services these 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 ***** ***** Bank. On or
  about December 5, 2022, SeedFi transferred servicing of the Loan to SST. SST sent a letter to
  *** ******** on December 7, 2022, advising of the transfer. The Savings Account created as part of
  the loan transaction has remained at all times with ***** ***** Bank.
  At the time of servicing transfer, the Account had a balance of $4,501.56, and was due for the
  December 5, 2022 payment of $100.00. The last payment received was on May 6, 2024 for $100.00.
  SST reports to the three main credit reporting agencies: TransUnion, Experian and Equifax. When
  there is a transfer of servicer, SST does not immediately initiate credit reporting. This ensures all
  payments are properly marked received even if sent to the prior servicer. Credit reporting for this
  account was sent by SST to the bureaus in April for March reporting. SST verified the account
  information is properly furnished. SST does not control or have insight whether the bureau shows the 

  Customer Answer

  Date: 05/10/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: I’ve been told numerous of time from SST credit/disputes department that when they send reports to Transunion the reports are being rejected so therefore my account is not being reported to TransUnion credit bureau.

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

  Business Response

  Date: 05/21/2024

  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.
  As previously stated in our response of May 10, 2024, our records reflect that on November 28, 2021,
  ******* ******** entered into and signed for a SeedFi Borrow & Grow Plan, Savings-Secured Loan
  ("the Contract"), financing $6,000.00 with ********** Financial, Inc., doing business as SeedFi
  ("SeedFi") and funded by ***** ***** Bank. According to the Contract, *** ******** agreed to make
  81 bi-weekly payments of $100.00, beginning on November 22, 2021, with one final payment of
  $10.84.
  SST reports to the three main credit reporting agencies: TransUnion, Experian and Equifax. When
  there is a transfer of servicer, SST does not immediately initiate credit reporting. This ensures all
  payments are properly marked received even if sent to the prior servicer. Credit reporting for this
  account was sent by SST to the bureaus in April for March reporting. SST verified the account
  information is properly furnished. SST does not control or have insight whether the bureau shows the
  account information; that is up to each credit reporting agency. Please contact Trans Union directly to
  answer your question further.
  *** ******** can contact Customer Service directly at ###-###-#### for questions or concerns
  about the account.

• Initial Complaint

  Date:05/01/2024

  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.

  Same complaint as most on here. Loan transferred from ******* ***** with no knowledge. I was near the end of my loan so I only had a few payments due to them. My first payment with them was Dec 2023. 3 payments were made and not reported to credit bureau. I had to call and info then suddenly info changed on credit report from ******* ***** to SST. Balance was paid on 3-6-24 for the payoff amount on their site. Next day, interest was added for .09. I called because of their mistake and they made me make a payment for .09! Told me it would be reported to credit bureaus mid March. Had to call at the end of the month. Asked for payoff letter which was sent and said would notify credit bureaus asap. Today is May 1 and nothing! Every phone call has been rude like you are inconveniencing them and also they tell you that is for another dept to handle. This is the worst company I have ever dealt with and was not by my choice. GS should somehow be liable for this incompetent company that took over their loans and never notified anybody of transfer. Loan was serviced through them. I want my credit reports updated immediately as I have paid on time and paid off early. Legal action needs to be taken against this unethical company. They are messing with people’s livelihood! I do not need a run down of my loan agreement in their response. I already know what it was and not to mention, it was not through them. Just take care of the matter at hand and do what should have been done already! Update credit bureau as PAID IN FULL.

  Business Response

  Date: 05/03/2024

  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.
  We’ve completed our review of the account in question and found the following:
  On April 28, 2021, **** ******** signed an agreement for a Marcus by ******* ***** loan (“the
  Contract”) financing $10,500.00 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 $1,527.69 and was due for the
  December 30, 2023 payment. Four Autodraft payments and a WebPay payment have been made with
  SST since the transfer. The Account shows a zero balance and is marked as Closed/Paid.
  SST reports to the three main credit reporting agencies: *********** ******** and ******** When
  there is a transfer of servicer, SST does not immediately initiate credit reporting. This ensures all
  payments are properly marked received even if sent to the prior servicer. Due to the transfer of
  servicing, credit reporting for this portfolio was sent by SST to the bureaus in April for March
  reporting. Please allow sufficient time for the bureaus to update their records.
  If *** ******** has any further questions or concerns, she may contact SST Customer Service directly
  at ***** *********

  Business Response

  Date: 05/10/2024

  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.
  As stated in our response of May 3, 2024, on April 28, 2021, **** ******** signed an agreement for a Marcus by ******* ***** loan (“the Contract”) financing $10,500.00 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 $1,527.69 and was due for the December 30, 2023 payment. Four Autodraft payments and a WebPay payment have been made with SST since the transfer. The Account shows a zero balance and is marked as Closed/Paid.
  SST reports to the three main credit reporting agencies: *********** ******** and ******** Due to the transfer of servicing, credit reporting for this portfolio was sent by SST to the bureaus in April for March reporting. Please allow sufficient time for the bureaus to update their records. Note: this can take 60-90 days in some cases. SST verified the account information is properly furnished. SST does not control or have insight whether the bureau shows the account information; that is up to each credit reporting agency.
  If *** ******** has any further questions or concerns, she may contact SST Customer Service directly at ***** *********
  Very truly yours,

  Customer Answer

  Date: 05/14/2024

  
  
  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:04/26/2024

  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.

  Sometime back around October or November of 2023, ******* ***** decided to transfer all their loan servicing to SST without informing anyone first. We as customers had no say in the matter. As of March 2024, my credit took a 64 point drop due to SST showing as a "closed" account. I had worked very hard to get my credit score up to 758, and this caused it to drop to 694. I called SST immediately, and they stated that they were aware of the issue and were in the process of "fixing" it. Now, over a month later, nothing has changed, so I just called them again. I was transferred 3 times and finally ended up with a rude lady in the credit department who basically told me there was nothing they could do about it. She stated that ******* ***** actually "closed" everyone's loan accounts and then transferred them to SST, so there's nothing for them to fix. This just isn't right. When a person works hard to get their credit score up to a very good/excellent level, and then something completely out of that person's control happens to bring it down to the "fair" category, something is WRONG!! Please tell me what can be done about this. I know I'm not the only one complaining about this, as I have read several others stating the same issue. PLEASE do something to help us!

  Business Response

  Date: 05/02/2024

  Please see attached response.

• Initial Complaint

  Date:04/19/2024

  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.

  Credit report still shows open paid in full account number ******** **** ****

  Business Response

  Date: 04/29/2024

  Please see attached response.

  Dear *** *******
  
  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:
  
  On March 27, 2021, ******* **** signed an Agreement for a boat loan (“the Contract”). According to
  the Contract, *** **** agreed to make 60 monthly payments, beginning on April 26, 2021. In April,
  2021, the Account was assigned to SST for servicing.
  
  Timely payments were made on the Account with final payment of $4,811.82 received on February 15,
  2024. The Account was marked as Closed/Paid on March 4, 2024.
  
  SST submits periodic reports with accurate information to the three main bureaus: **********,
  ******** and *******. To ensure the Account status of Closed/Paid is reflected, SST submitted
  asynchronous request to update to the bureaus on April 29, 2024. Please allow sufficient time for the
  bureaus to update their records.
  
  If *** **** has any further questions or concerns, he may contact SST Customer Service directly at
  ***** *********
  
  Very truly yours,
  
  
  * ***** *******
  Compliance Officer
  Systems & Services Technologies, Inc.

• Initial Complaint

  Date:04/18/2024

  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.

  My loan was transferred from ******* *****. I had a perfect payment record and have never been late. I was not notified of the transfer. Once I learned, I started making all my payments. They were all made within the appropriate timeframe. However, the records kept noting that they were not made or there was a returned check. My bank has no records of returns. I paid the entire amount off at the end of March. They are still sending me invoices for monthly payments showing I still owe money when it is completely paid off. They have it listed twice on my credit report as a paid loan, and as an outstanding loan with a balance and more then 30 days past due. My credit score has plummeted because of this. I want the 30 days past due removed from my credit report and properly reported as paid on time and closed with a zero balance.

  Business Response

  Date: 04/29/2024

  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. SST does not purchase loans and has no ownership in these loans; it is merely the
  servicer.
  We’ve completed our review of the account in question and found the following:
  On April 23, 2018, ****** ******* signed an agreement for a ****** by ******* ***** loan (“the
  Contract”) financing $24,500.00. According to the Contract, *** ******* agreed to make 73 monthly
  payments of $544.34, beginning on May 23, 2018. On December 11, 2023, the Account was assigned
  to Systems and Services Technologies, Inc. (“SST”) for servicing and a transfer letter was sent to *** ******* with information about the new servicer.
  At the time of servicing transfer, the Account showed a balance of $3,546.55 and was due for the
  December 23, 2023 payment. Multiple payments have been made with SST since the transfer.
  The last payment received was for $1,553.60 on April 3, 2024. This left a zero balance. The Account
  shows Closed/Paid.
  SST reports accurate information to the three main credit reporting agencies: **********, ******** and *******. SST sent updates to all three bureaus to ensure all are reporting the same, Closed/Paid
  effective April 3, 2024. Please allow sufficient time for the bureaus to update their records

  Customer Answer

  Date: 05/13/2024

  In the response provided, SST confirmed that the account has been paid since the first week of April 2024, and that it was never late. Thereafter, all my credit agencies updated to show the account closed and paid on time with no late. However, as of May 9, 2024, a new report from SST now shows my account as open and past due again, which dropped my score by close to 80 points, AGAIN. I have now had one credit card reduce my limit because of this, and I have now suffered irreparable harm due to your misreporting. 

  I would like this corrected for once and for all so that no future incorrect items are reported.

• Initial Complaint

  Date:04/08/2024

  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.

  My loan was transferred to SST from Marcus by Goldman Sachs. I paid the loan in full and received the following image attached. I was told it would take 30 days to report to the credit bureaus, this was in January, it is now April and it is still showing open. I called Goldman Sachs and they notified me that SST is their loan department and not a "different" company like I originally thought. When I called SST using the Goldman Sachs provided number, they said they had not updated it and were unsure of when they would. I asked for a timetable, she said she couldn't answer that question and no one could. I would like this loan to show as paid on my credit report, there is no reason for this to take over four months and then be told there is no timetable.

  Business Response

  Date: 04/17/2024

  Please see attached response.

  e: Case # ******** – ****** ***********
  
  Dear *** *******
  
  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 does not purchase loans and has no ownership in these loans; it is merely the
  servicer.
  
  We’ve completed our review of the account in question and found the following:
  
  On January 28, 2022, ****** *********** signed an agreement for a ****** ** ******* ***** ****
  (“the Contract”) financing $8,000.00. According to the Contract, *** *********** agreed to make 48
  monthly payments of $206.72, beginning on March 1, 2022. On December 11, 2023, the Account was
  assigned to Systems and Services Technologies, Inc. (“SST”) for servicing.
  
  At the time of servicing transfer, the Account showed a balance of $4,718.30 and was due for the
  January 1, 2024 payment. An AutoDraft payment was made with SST on January 1, 2024 for $206.72
  and a WebPay payment of $4,558.77 was made on January 2, 2024. AutoDraft payments were
  cancelled January 3, 2024 due to the payoff. Paid In Full letter was sent to *** *********** on January
  19, 2024. The Account shows Closed/Paid.
  
  SST reports accurate information to the three main credit reporting agencies: *********** ********
  and *******. SST was not credit reporting this Account at the instant the Account was paid. We have
  sent updates to all three bureaus to ensure all are reporting the same. Please allow sufficient time for
  the bureaus to update their records.
  

  Customer Answer

  Date: 04/17/2024

   
  
  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:04/08/2024

  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 loan with ****** and it was sold to SST. Shortly after I planned to pay the full amount of the loan because this company does not have any structure or customer support. I have called many times and gotten the run around about the amount due. I am most concerned about their level of security with my information. I have received emails stating that my loan has been paid in full. I have received emails with information regarding other peoples loans. If I have received someone else information regarding their loan who is to say that they have not leak my information to someone else. When I brought this to their attention they just told me to delete it as if it has happened from time to time. They have effected my credit report but reporting multiple loans not paid or untimely payment. I do not wish to do business with them and I do not like that the do not have an encrypted website and they do not have a valid SSL certificate. I can't access my account online because my password has expired and the website will not recognize my answers. I don't know how they are able to stay in business with as much as I have read online about SST.

  Business Response

  Date: 04/16/2024

  Please see attached response.

  Dear *** *******
  
  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 does not purchase loans nor has any ownership in any of its loans; it is
  merely the servicer.
  
  We’ve completed our review of the account in question and found the following:
  
  On February 25, 2022, ***** ****** signed an agreement for a ****** ** ******* ***** loan (“the
  Contract”) financing $7,000.00. According to the Contract, *** ****** agreed to make 36 monthly
  payments of $230.79, beginning on March 27, 2022. 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 $3,172.09 and was due for the
  December 27, 2023 payment. Four Autodraft payments have been made with SST since the transfer.
  The Account is showing current and due for the April 27, 2024 payment.
  
  SST maintains current SSL certificates and adheres to all regulatory policies and guidelines relative to
  IT security. Current certificates are active through April, 2025, at which time they will be subject to
  renewal.
  
  If *** ****** needs assistance with resetting his login credentials, he should contact SST Customer
  Service directly at ***** ********* A representative will be able to assist with the process.
  
  Very truly yours,
  
  
  * ***** *******
  Compliance Officer
  Systems & Services Technologies, Inc.