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:04/03/2024

  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 could repay the SST loan using my credit union's loan program. Due to SST's inability to send the correct payoff quote, I lost out on the new loan after multiple requests for a payoff quote to reduce my debt and interest rate.
  
  Between February 28 and March 11, I called SST three times to request a payoff quote by email. I was told my request was in the system, and while they apologized, they said they were busy and would get to it as soon as possible. I was also told the 1st SST agent had my incorrect email, and the 3rd SST representative I spoke with confirmed the correct email. As of April 3, I still have not received the payoff quote.
  
  On March 13, I called SST with my new lender representative, and SST accepted my request to send the information directly to the new lender. The quote was not sent.
  
  I received the payoff quote by mail, but it was outdated when I received it.
  
  Between March 14 - April 3, my new lender continued to call to get this information. Over multiple phone calls, the payoff quote was finally sent to my new lender but was password-protected, and SST did not share the password.
  
  On April 3, my new loan application with the new lender was closed due to SST's inability to secure a payoff quote. To open this again, I have to reapply, submit all of the documents again, and have my credit checked, resulting in a lower credit score due to the request.
  
  SST was not cooperative with my new loan/payoff request. They have now cost me a $253/month reduction in payment and shorter loan terms.
  
  I did not ask to have my loan with SST. It was sold by ****** to SST.

  Business Response

  Date: 04/15/2024

  Please see attached response.

  Customer Answer

  Date: 04/15/2024

   
  
  Complaint: ********
  
  
  
  I am rejecting this response because: the information provided by SST is not entirely accurate nor were they timely providing a payoff quote. 

  There is no resolution for me, except to report their inability to meet customer needs and timelines. They are 100% responsible for me losing out on this refinance opportunity. 

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

  Business Response

  Date: 04/17/2024

  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 understand the frustration *** ******* has expressed. All of the information available was
  provided in the prior response. We remain available to answer any questions.
  
  *** ******* may contact SST Customer Service directly at ***** ******** if we can be of further
  assistance.
  
  Very truly yours,

• Initial Complaint

  Date:04/02/2024

  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 loan was transferred from ****** ***** * *** The reward program was also transferred. If you make 12 monthly payments on time you can skip a month. My 12 months ended in February 2024. I called SST and asked to skip March. When I noticed they pulled the monthly 617,45 on March 28, 2024, I was shocked. I contacted them on the morning of March 30th and was told a supervisor would get back with me. I reach out again on April 1st with no luck speaking to a supervisor but was told once again a supervisor would reach out to me. Nothing! I have explained the urgency of my situation. My account is overdrawn as I was not expecting the $617.45 to be withdrawn from my account. I would like my money returned ASAP as I am force to borrow from other sources for their mistake.

  Customer Answer

  Date: 04/14/2024

  I received my payment back. Now I have received several emails stating they want to get me "Back on Track" because my 3/28/24 payment was not made. I AGAIN wasted time contacting SST to speak to a supervisor who AGAIN wasn't available. I explained the situation to the re who assured me that my payment would not show up negativity on my account.

• Initial Complaint

  Date:03/29/2024

  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 have been calling since January to request a short term payment agreement. I was told I would receive an email to sign and return to put the agreement in place. That has not happened and in the meantime I have been harassed constantly by your company demanding payment when the past due balance should have been taken care of months ago because of this agreement. I spoke to someone two weeks ago who said that I'd be manually receiving this email but they were moving onto February requests so they didn't understand why my request, submitted in January had not been processed. I was told to "continue waiting" to receive the email which has not been sent. At this point I'm disgusted that my account has not been handled and I'm continued to be harassed by people who cannot assist me. I have spent countless hours on the phone getting no where and at this point I'd like my past due balance taken care of by your company since you're incapable of sending proper documentation when requested.

  Business Response

  Date: 04/18/2024

  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 review of the account in question and found the following:
  
  Contrary to the Complaint, SST sent ******** **** all documentation to complete the requested Short-
  Term Assistance Program (STAP) on multiple occasions. SST originally sent *** **** the
  documentation to start the program on January 21, 2024, which was not signed. We understand from
  the Complaint that *** **** experienced technical issues and was unable to access the documentation.
  However, on April 3, 2024, SST requested to have the documents resent to *** **** as the previous
  documentation expired. The documentation sent on April 3, 2024, has not yet been signed by *** *****
  
  In order to qualify for the STAP, SST must receive the signed documentation. As the documentation has
  not yet been signed, SST’s system currently reflects that *** ****** account is past due.
  
  If *** **** has any further questions or concerns, or if she would like assistance with the signing of the
  program documentation, she may contact SST Customer Service directly at ***** *********
  
  Very truly yours,
  
  
  * ***** *******
  Compliance Officer
  Systems & Services Technologies, Inc.
  
  

• Initial Complaint

  Date:03/28/2024

  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 was transferred to this company from ******* ****** sadly. After a year of on time payment, the customer is eligible for a deferred one month payment with no interest added. This program was part of ******* ***** incentive and with the transfer is also supposed to valid. After multiple calls to get this incentive initiated, I was told that the deferred payment would be applied for February. This did not happen as the funds were erroneously taken from my account. I immediately called due to the error and had to wait 9 days to get the funds deposited back into my account. Due to the error, I was told by the supervisor, ******* ******* that the March payment would be pushed back and nothing due until April. This coincided with the mail I received from their company that stated that my payment would begin automatic debit on April 16, 2024. I began receiving past due notifications on March 20 saying that I missed my payment. I have been calling multiple times to get this resolved. I have a recorded message, thankfully, with ******* ******* stating everything that I was told, including no payment due until April. I am currently at this moment on hold with SST now for 40 minutes to get this resolved. This is my fourth attempt since I began receiving past due notifications and now still battling to get them to honor what I was told.

  Business Response

  Date: 04/16/2024

  Please see attached response.

• Initial Complaint

  Date:03/22/2024

  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 ****** ******* *****, I made 100% on time payments. I never had reporting or credit issues when they managed my loan. Out of the blue in December of 2023 all personal loans were sold to SST. There was a huge lack of communication and paperwork, a major failure by ****** and SST. I’ve made my payments 100% on time with SST and I have all documentation and screenshots of when payments were made with the dates as well as all banking information to support this. My credit score was affected by this change that was out of my control when it was closed and reopened with a new servicer. I then get a notification that my loan was closed with SST. Yet again, it reappeared on my credit as a new loan and tanked my credit score AGAIN. Weeks later I then get another notification, my payments are late and they’ve been reported as late payments. I’ve NEVER had a late payment to SST, it never happened. AGAIN, it tanked my credit with the false late payments.
  
  This continuous back-and-forth of changing my loans and dropping my credit score is unacceptable. The inaccurate reporting of payments is further unacceptable. This has now affected my credit drastically and they need to be held accountable. Not only do they need to correct this with all credit bureaus they owe people compensation for the credit scores that they have ruined. I shouldn’t have to contact credit, bureaus and beg for them to make this right. This is not on me. I’ve been responsible and made my payments. They have been incompetent at reporting correct payments. They continue to mess with peoples credit scores. This affects peoples lives.

  Business Response

  Date: 04/04/2024

  Please see attached.

  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 has no ownership in these accounts.
  
  We’ve completed our review of the account in question and found the following:
  
  *** *******’s account with ******* ****** was assigned to SST on December 11, 2023, for servicing.
  SST does not own the loan.
  
  The Account is current and has never been past due and has never been reflected as past due in our credit
  reporting.
  
  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:03/22/2024

  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 paid off my loan account with SST on March 1,2024. After waiting the allotted time to request for my saving be transferred to my back account, I have still not received my funds! I did speak with an agent ****** ***** at SST that stated SST did not mark my account paid until March 18,2024 and even though the system allowed me to request the funds on March 16,2024 I still would not receive the Friday March 21,2024 or Monday March 25,2024. It’s sad that I never had an issue with ****** yet as soon as they sold the account all they terms or withdrawn you own money changes. Yet they expect payment on time but don’t give back on time.

  Business Response

  Date: 04/11/2024

  Please see attached response.

  Re: 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.
  
  Our records reflect that on December 3, 2021, ****** ***** entered into and signed for a ****** ******
  * **** ***** *************** **** ("the Contract"), financing $4,000.00 with ********** **********
  Inc., doing business as ****** ("SeedFi") and funded by ***** ***** ****. According to the Contract,
  *** ***** agreed to make 50 semi-monthly payments of $100.00 every other Friday, beginning on
  December 24, 2021, with one final payment of $99.92.
  
  As a New Jersey Chartered, FDIC-insured Bank, ***** ***** **** ("Bank") offers credit products
  through its strategic marketplace lending platform partners, including ******* pursuant to its bank charter
  and Section 27 of the Federal Depository Insurance Act *** ***** ****. The Bank originates such loans
  as the lender of record in accordance with its credit criteria and applicable laws, rules, and regulations.
  ****** assists in processing credit applications and services these on an ongoing basis on behalf of, and
  with direct oversight by, the Bank.
  
  A portion of the **** funds were deposited in a Savings Account held by ***** ***** ****. On or
  about December 5, 2022, ****** transferred servicing of the Loan to SST. SST sent a letter to Ms. Jones
  on December 7, 2022, advising of the transfer. The Savings Account created as part of the loan
  transaction has remained at all times with ***** ***** *****
  
  At the time of servicing transfer, the Account had a balance of $2,777.63. All payments received have
  been properly applied to the Account. The last payment received was an Autodraft payment on
  March 1, 2024, for $97.57. Autodraft payments were also cancelled March 1, 2024, as the Account was
  paid off.
  
  On March 16, 2024, *** ***** submitted a request through SST's customer website to transfer the
  savings balance to a bank account ending in ***** The ******* ***** transfer of $2,517.74 was
  completed on March 25, 2024.
  
  ________________________________________________________________________________________________________
  Hours of Operation: Monday through Friday from 7am-8pm CT, Saturday from 8am-12pm CT
  Payment Address: **** *** ***** ***** ******* ** **********
  Correspondence ******** ** *** **** *** ******* ** **********
  Physical Address: **** ******* ** *** ******* ** **********
  Customer Service Toll Free Telephone: ***** ********
  Page 2 of 2
  
  
  If *** ***** has any further questions, she may contact Customer Service directly at ***** *********
  
  Very truly yours,
  
  
  * ***** *******
  Compliance Officer
  Systems & Services Technologies, Inc.

• Initial Complaint

  Date:03/19/2024

  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.

  I am not responsible for this debt with ******* ***** **** **A. 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: 04/09/2024

  Please see attached response.

  Re: 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. Please know that SST has no ownership in this Account and does not purchase
  loans; it is merely the servicer.
  
  We’ve completed our review of the account in question and found the following:
  
  On November 29, 2017, ***** ***************** signed an agreement for a ****** ** ******* *****
  loan (“the Contract”) financing $11,000.00. According to the Contract, *** ******** agreed to make 42
  monthly payments of $389.53, beginning on December 29, 2017.
  
  On December 11, 2023, the Account was assigned to Systems and Services Technologies, Inc. (“SST”)
  for servicing. The terms of the Contract made with ******* remain the same. A copy of the Contract
  has been mailed to *** ******** to the address on file.
  
  At the time of servicing transfer, the Account had a balance of $7,607.80 and was due for the July 29,
  2019 payment. No payments have been made with SST since the transfer.
  
  The Account charged-off November 25, 2019 and was outsourced to ******* for further handling.
  
  If *** ******** has any further questions or concerns about the Account, he may contact *******
  directly at ***** *********
  
  Very truly yours,
  
  
  * ***** *******
  Compliance Officer
  Systems & Services Technologies, Inc.
  
  _______________________________________________________________________

• Initial Complaint

  Date:03/18/2024

  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 was transferred from Goldman Sachs, a loan of $21,000. The account was paid down to about $5000 a few months ago, and I paid and closed the rest of account 10 days ago. Currently my credit report shows missed payments and a $10,000 Goldman Sachs and a $5000 SST account, so 3 times as much as the balance was 10 days ago and missed payments and duplicate accounts. I called SST and they said that the credit reporting company was wrong. Meanwhile I opened 3 disputes and SST told the credit reporting company that the information was correct, when it was not. My account is closed and I would not do business with a company like this. I was doing business with a reputable company, Goldman Sachs, not a company that is lying about me and besmirching my perfect credit report.

  Business Response

  Date: 03/29/2024

  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.
  
  We’ve completed our review of the account in question and found the following:
  
  On March 28, 2022, ****** ***** signed an agreement for a ****** ** ******* ***** loan (“the
  Contract”) financing $21,000.00. According to the Contract, Mr. Fader agreed to make 36 monthly
  payments of $687.41, beginning on April 28, 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 had a balance of $10,654.45 and was due for the
  December 28, 2023 payment. Eight payments have been made with SST since the transfer. The
  Account is showing Closed/Paid as of March 27, 2024.
  
  SST reports to the three main bureaus: **********, ******** and ******** Once the final payment
  was received and cleared, SST sent a request to the bureaus to update their records to reflect
  Closed/Paid in Full. Please allow sufficient time for the bureaus to update their records. Please know
  that SST is only responsible for reporting since the transfer; reporting pre-transfer would need to be
  discussed with prior servicer.
  
  If *** ***** has any further questions or concerns, he may contact SST Customer Service directly at
  ***** *********
  
  Very truly yours,
  
  
  * ***** *******
  Compliance Officer
  Systems & Services Technologies, Inc.

  Customer Answer

  Date: 03/29/2024

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

  I just got off the phone with SST customer service and they agreed to resolve my issue, and they said I should check the data again by next Wednesday. However, this issue is still open, so I am rejecting the response received from *** ********* as it is not accurate.
  

  As a result of my conversations with customer service and this complaint and other complaints, SST closed all the accounts labelled "SST" which were on my credit reports. This is correct. Now, I have no open SST accounts with a balance. However, the problem is not resolved.
  

  As of today, my ******* credit report still reflected a 10,000 balance for ******** ***** ***** having been updated on March 8. This balance was inaccurate on that date. Additionally, it was a duplicate account. As I have explained before, which lowered my credit rating due to showing a balance of 15,000, when the true balance was 0 as of March 9. There would have been no issue had there not been this duplicate account with a wrong balance, also showing no payments since November, which shows up as a missed payment on Credit Karma. A 4,000 balance was accurate on March 8. 10,000 was not, and not two accounts.
  

  I called customer service again and ***** and ******** said they will process this again for ******* ***** **** and make sure that the duplicate account was closed showing fully paid with a 0 balance.
  

  However, I am rejecting this response due to the company having as of yet not resolved this issue but once again claiming that it did.

  I should not have to request everything 10 times. Just fix the problem. You can tell me you fixed it when it's really fixed instead of continuously claiming you did nothing wrong or there is no problem or no issue.

  No, there's a huge problem with your fraudulent credit reporting, so please ensure that it is truly resolved. I've never had this issue with Marcus by Goldman Sachs before my loan was transferred. And you claim I should "contact the original servicer" about that.

  No, that's not accurate. They can't be contacted. They have no phone number or line for this. They say to contact you. Which I did, and your customer service people said they are going to fix it. Thus making your response, incorrect.
  
  
  
  Sincerely,
  
  
  
  ****** *****

  Business Response

  Date: 04/10/2024

  Please see attached response.

  Customer Answer

  Date: 04/11/2024

  The credit report was finally updated after extensive calls and contact to remove the inaccurate and duplicate information.

  While I do not endorse the accuracy of the company's story, my credit report now is correct so the complaint is now resolved.
  

• Initial Complaint

  Date:03/18/2024

  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 HAVE NO IDEA HOW THIS SUDDENLY APPEARED. NO IDEA WHO. NO RECORD OF THIS BUT EMAIL ALONG IF I HAD CLOSED THIS ACCOUNT.
  I NEVER HAD IT!

  Business Response

  Date: 03/29/2024

  Please see attached response.

  Re: 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.
  
  We’ve completed our review of the account in question and found the following:
  
  On January 30, 2022, ******** ***** signed an agreement for a ****** ** ******* ***** loan (“the
  Contract”) financing $9,000.00. According to the Contract, *** ***** agreed to make 36 monthly
  payments of $273.75, beginning on March 5, 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 had a balance of $3,656.10 and was due for the January
  5, 2024 payment. Three payments have been made with SST since the transfer. The Account is
  showing current and due for the April 5, 2024 payment of $273.75.
  
  If *** ***** has any further questions or concerns or if she would like a copy of her Contract, she may
  contact SST Customer Service directly at ***** *********
  
  Very truly yours,
  
  
  * ***** *******
  Compliance Officer
  Systems & Services Technologies, Inc.
  
  

• Initial Complaint

  Date:03/18/2024

  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.

  ******* ****** ****** sold all of their personal loans to SST effective December 11, 2023. I had made a payment arrangement which resulted in a loan modification which SST claimed would be reflected on the account within two weeks. Two weeks go by and nothing is updated. I have called several times and talked to many people who have assured me that this would be changed and that it would not impact my credit report negatively. Yesterday, it showed up on my credit report as a 30 day late payment even though I have made every agreed payment which they acknowledge. I just got off the phone with them and they put me through to their Dispute Department to fix it but someone will get back to me in 24 hours.

  Business Response

  Date: 04/10/2024

  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 has no ownership in these accounts.
  
  We’ve completed our review of the account in question and found the following:
  
  On July 16, 2022, **** *** signed an agreement for a ****** ** ******* ***** loan (“the
  Contract”) financing $20,000.00. According to the Contract, *** *** agreed to make 36 monthly
  payments of $738.08, beginning on August 30, 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 had a balance of $12,465.12 and was due for the
  December 30, 2023 payment. Three WebPay payments have been made with SST since the transfer.
  
  The Account is past due for $1,476.16, plus the current due of $738.08, for a total due of $2,214.24.
  The hardship paperwork has been received and is in the process of being applied to the Account. It
  will be backdated to the original request date of January 26, 2024. SST has also sent a request to the
  bureaus to update their records to remove the late mark. 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,
  
  
  * ***** *******