Systems And Services Technologies [SST]
Reviews and Complaints

Providian sold my account to SST. They keep calling my work and the card isn't even in my name. It's in my husband's.

This company is pretty bad, I would not recommend it to anyone. I tried to pay off the loan early and they made me sit through 5 minutes of some policy I had to listen to. I just wanted to pay off the loan. The lady who was helping me told me I had to listen or should would not give me final balance. It was the rudest experience I had. I hung the phone up on her and called someone else and got the balance then paid it off. 3 weeks letter I got a form letter from the company stating that they were going to report me as a bad credit.. I never missed a payment and paid the loan off early...Go figure!

In response to the comment made by CIAL01 on January 2, 2014, please note that the parties listed in that comment, namely, the Wisconsin limited liability company East Bay Holdings LLC, Marian, John and William Nasgovitz, and Heartland Advisors, are NOT involved in the purchase of consumer debt from Citicard or elsewhere.
Either a different entity named East Bay Holdings LLC that is completely unrelated to the persons listed above is the owner of the consumer debt, or SST or another party has mistakenly reported that East Bay Holdings LLC has some involvement with the purchase of consumer debt.
Again, none of the persons and entities listed in CIAL01’s comment on January 2, 2014 have any involvement with the purchase of any consumer debt, including the Citibank group store card referenced in the original complaint.

Your account has been sold by Citi to this company - East Bay Holdings, LLC. They have, in turn, contracted SST to take over management of your account. I am having the same issue you described and trying to find good information on this holding company is just about impossible.. The best suggestion I can make is to contact SST, let them know your account is paid in full and they may be able to confirm for you. It is not that it has been turned over for collection of a delinquent or charged off account in the traditional sense. SST is the subsidiary of NCO that manages performing/current accounts and you may just be dealing with a timing issue where the transfer of account happened before the records were updated by the seller and it only appears you have a balance outstanding.

It appears the principals of East Bay Holdings, LLC is a family in the Wisconsin area. John and Will Nasgovitz are senior people at a company called Heartland Advisors - an investment fund - likely the buyers of the accounts Citi sold. They have set-up the Holding Company with Marian Nasgovitz as the principal and if you are interested her phone number Is 414.964.6512. They have also set-up a Verizon mobile number in California (location of holding company) and that number is 510.725.5917 and there is another number in Montana for John Nasgovitz who is listed as a principal of East West Bay Holdings, LLC and his number is 406.542.8221.

Don't give SST or NCO one bit of information. Send them BOTH a letter asking THEM to validate what they claim. You have that right under federal law. Ask them BOTH for two pieces of information 1. Proof that that the debt is real, and 2. Proof that EITHER one of them have the legal right to demand a penny from you. Most collectors cab prove either. Especially #2. Each charge card transition is a separate 'contract', and isn't transferable. Do NOT sigh the letters, simply type your name at the bottom of each. (Signatures have a way of appear on faked documents). Send the letters certified mail with return receipt requested. If tf they continue to harass you, go to www.naca.net to find a consumer attorney in your area. They specialize in dealing debt collectors and know all their dirty tricks. Most have a free consultation and, if they sue the collector and win, the debt collector must pay tour attorney fees on top of paying you for using illegal debt collection tactics.

Had a card with Washington Mutural and it was sold to SST Bank. Since then They have been raising my interest rate for no reason. We agreed to 42 dollars a month. Now it is 66 Dollars and I sometimes get a statement and sometimes do not.

Why are they charging me for the same thing twice on my credit report? What is going on?

Tell me about it! I thought I was the only one. They tried to tell me that they sent a statement. Finally, I decided to pay my bill online at yourcardaccount.com and now that doesn't work! What is going on here?

Believe I have been Charged over 400% interest on a loan that should not be that amount.

Clarify your question properly. I hope you have kept all the proofs of payment. You need to add up your payments and figure out if the loan is actually paid off. if so you need to obtain a "paid in full" note from wells. once sst contacts you send them that by CMRRR with a cease and desist letter.

Go to debtorboards.com and post your question those guys are very good with this kind of scammers.

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SST is not a collection agency, they are a servicing company. Almost one of a kind, as they do collecting when needed, though provide customer service the rest of the time.
A Collection agency would not care about helping you avoid a bad credit score, SST tries to help you avoid by calling you to collect money before the 30 day limit. I remember one agent telling me "sir, I want to take your payment today as you're close to 30 days past due, and I want to avoid you having a 30 days miss on your credit report". if that's not helpful, I don't know what is.
They also provided customer service when I called them in, such as giving me my balance (sounds granted but keep in mind most collection agencies just call you, they don't recieve calls). When I asked for a due date change, as my pay schedules didn't matcht the due date, they did that for me, as they knew it would save my life. (because folks, our credit IS our life, in our capitalist nation).

Of course, if you haven't payed for 2-3 months, being close to a charge-off, they'll put more pressure on you, telling you the consequences of not paying (such as R-9 on your Credit Report and/or Repossession of your Vehicle). @Dale Sunley: It's not a "threat", it's FACT!

@fedup2014 and others: If you end up having a higher balance or payoff amount than expected, it cannot be their fault. SST is bound by the FDCPA (Fair Dept Collectors Practive Act) and other Federal and State laws that FORBID them to make ANY changes to your contract, such as collecting "more money than you owe them". They are forbidden to change your interest rate or take a PENNY more than what stipulates on the contract. And the contact doesnt say "youll pay X amount in exactly Y years, to the penny." Interest, and alot of other variables can change the end date, and payoff amount.
I would ask them to print out a transaction history of your payments, and I'm sure you'll find that the 'extra money" is just fees and interest because of late payments. Who here can say that they ALWAYS pay BEFORE their due date, for 2, 3, sometimes 15 years? It all adds up in the end. I thought the same thing before they showed me the facts by sending me my transaction history, where I saw some late payments. It all adds up in the end folks.

And of course, keep in mind that if one agent doesn't do his job, it doesn;t mean the whole company doesn't. Submit a complaint and they'll nail that agent themselves.

Anyways, I realize alot of us have felt screwed with companies, but I really recommend you conduct research, with valid proof before you file a lawsuit. Because believe me, companies like this... they protect themselves. and EVERYTHING is recorded and kept somewhere in case someone, or a group such as yourselves, try to take action. Ask them for transaction history, ask them for proof. Speak to a Supervisor. It might take a few days, but they'll provide you all the proof you need.

Sources: I have a friend who works for SST. He's the one that told me about FDCPA. I myself have a loan being serviced by them, and have accused them of some of the same things you guys are, and they provided me with proof and evidence backing up the fees and higher amount I had to pay at the end of my loan. Essentially, I was "put in my place".

This institution/collection agency is nothing but money shark; they will do everything in their power to ensure they collect money which you dont owe them; they will find every problem in the book to prove that you still owe them; Im sorry but I need to take this one to the Media, enough is enough. They are total rip off.

I have had similar problems with them, they keep sending me a letter stating I owe and am late on my payment when there is no payment to be made. They will not say what its even for. I do not even have outside of a satellite and cell phone payment that come out automaticly from my account. This outfit needs to be taken to court. they keep threatening it will wreck my credit rating.

My loan was also always paid on time with Wells Fargo and I was hurt and unable to work. The insurance on the loan was paying it
until I was able to go back to work(almost 2 years)The loan should have been paid off but according to SST I still owe then almost half the original amount. I refuse to pay them it is unethical and I am sure illegal.

Hi there,

My husband and I had a loan with Wells Fargo along time ago and we have paid it of but now we just found out that it on are credit rating saying that we were always late on payment. So now we can't even get a loan cause of it. So I have been trying now for at least four month to get a hold of someone but all u get is a computer saying leave name and number and someone will get back to u in 2 to 4 business days. We had this loan payoff before it was sold to SST F.

I write this after having read the number of comments existing here: What is happening with the class action law suit mentioned in jaylaw's post of March 24, 2014? We are both chronically ill pensioners who get awoken every morning at 7a with their computer calls; when they first took over our account they sent me a letter advising this and called me 3 times before the due date to remind me I needed to pay. I have told them repeatedly that we can not pay on the due date; we acknowledge we owe this money - we are on a fixed income and pay when pension cheques arrive. You can not pay their bill at a bank you must give them access to your account via direct debit - not ever going to do that. They also informed me that I could make a double payment and the would never call me again. We did - they start calling a week before the payment is due, sometimes up to 5 times a day - I just keep repeating myself over and over - we are not delinquent, and in any event the law gives a number of days grace - I could understand this if our payment was large and we missed several - but come on for $26.25 a month they wake me every morning for the entire week before the payment is even due. And the interest rate is obnoxious 28.80%.

These people have collected over 450% interest from me on a $5000.00 loan I took out in 2008. This I'm sure is Illegal.
Any word on a class action lawsuit? jaylaw82@gmail.com

Hello,
I have had the displeasure of working with this company and they are horrendous. I attempted to payoff the balance of my loan using their telephone payment method. Got everything setup and the payment was due to flow in 2 days. Get a call that night at home from a company rep that tells me to put a stop payment on my regular monthly amount that was due the day after my final payment. I do this- my expense of 12.50. Idiots do not process the final payment and the regular payment is refused by my bank as I requested. They charge me an NSF fee. I pay off the whole thing because the sooner you get rid of these ###s the better. To put icing on the cake, the agent that told me to put the stop pay on the acc't is not with the company a week later!
I had sent their 'Escalation Dept' a letter explaining my issue but you can bet I will hear nothing from them.

this seems a bit fraudulent and I am in same boat. I was transferred to SST and have not got any info mation from them in regards to my account, contact me if going against this company durhamm81 at yahoo dot ca.

I hated them as well. They would call me starting on like the second day after my payment was due. I knew I had a 10 day grace period before they could start charging interest but they insisted they did not have a grace period. Also my last months payments should have been only about 120.00 but somehow they managed to make it a full months payment. I would never finance through this company again. They do nothing but harass you.

If I ever get another car loan it will not be with SST. I made all my payments within the month. I was never 30 days late. Starting on the 10th day of the month the collection calls were relentless. Every day all day. I explained to them that I could not make my payment until later in the month. Nothing I told them stopped the calls. I finally made my last payment. I have SST out of my life for good!

Our loan is serviced through SST, Inc. from Medallion Bank.Yes, we had a bankruptcy in 2009. Our loan is on a camp trailer, which in the past we are allowed to deduct the interest on the loan because this can be considered a second home. This company gouges people trying to rebuild their credit by charging outrageous amounts of interest! This company will not send out any documents for taxes. You cannot get any information on the website for your loan. I am in Utah, and apparently this company is the ### of all companies. Next complaint will be with the IRS and whoever else is responsible to regulate this company.

i had a card with a company that was taken over by SST. they miss the payments by not cashing the check on time but i get the blame. we always pay 2 weeks early incase the mail is late. now they are calling 5 or 6 times a day 7 days a week. you can't talk to a human or if you do they claim you must pay the whole bill ASAP & are rude.

Have been trying to pay these people on-line as I have in the past but their system keeps bring down my internet explorer! And they have never been a group to listen, just to harass.

AGREED... I also had a first eq account.. they got so stupid with their finance charges i stopped using it. Was good for a while with lowering my interest and bam i was over the deadline on my online payment and they jacked up my interest rate so I stopped paying it. Since then I have called this number to try and resolve something or get lower interests to pay it off and they say only for 6 months then it is sky rocket again. This was a business credit card for me so it is a high balance . I refuse to pay it until they come up with some better plans for us to use and a way to pay.

This is happening to us as well. I am trying to pay them off but it is from my First Equity Account. I am getting constant phone calls and to no avail. This is ridiculous!

I have been through all 3 companies as well. I agree they do not try and help, and when i talked with them last the woman kept giving me different information. I am not sure if she is just untrained, or just plain lying to me. I have also had problem with what I actually owe them. Thank goodness I only have 3 payments left. After reading your comments I am now afraid of what they will say when it is paid off.

I had the same problem I bought a 2013 horse trailer and the refused payments they are sending them back to my bank and when I do make a payment they would call me and harrass me about payments and then they took my trailer and tell me I'm five months behind and its going coast me 2500.00 bucks to get it back but I think they will screw me again I'm so tired of not getting anywere with them . I told them if the send back one more payment I was ggetting a lawyer involved because I think there scamming people

I've been with them financing a motorcycle loan and my experience has been very good, except for the very first month they began handling our loan (during the transition from the previous financing company that sold their loans to SST that we had been with originally). The old company didn't transfer the records completely and our motorcycle was almost repossessed; the tow truck was outside our door and everything. I do think they were just working off the records they had on file from prior company. Aside from that incident, they are very courteous, helpful and easy to work with. My account has gotten behind from time to time, and they've showed understanding and professionalism throughout. They have been great in working out manageable payment terms to get back on track. Good luck to those of you that aren't having the same experience.

Worst company ever! What they do should NOT be legal. I've seriously never hated a company worst than this one. They're straight up crooks. I'm trying to get away from them!

Today I called to request for a statement where it says we were behind a couple of months and the employee on the other end starts getting feisty. She tries to argue with me about my loan and states she has already spoken with my spouse about it so that was that. Then I ask for her supervisor and when she gets on she is already defensive. She just states our bill needs to be current by the end of the month. I do not see how this company is still in business if the there are complaints listed back to 2009. How is it possible that they end up with our account when we were approved thru another bank. Something needs to be done about this company.

Has anyone checked to see if what there doing is legal, Didn't congress pass some kind of law to protect the consumer?

This is by far the worst company I have ever dealt with. 15 year RV loan, beginning in 1998, check always sent on time to allow for clearance. If they don't have the payment on the exact date it is due, they start calling you and harassing. When my husband died, I called them and asked for a 2 week extension, they denied me, we had been paying on the loan for 10 years. Then the next week my dad died unexpectedly, I sent a payment in on time, but I made the check out for the wrong amount (too much stress), they started calling, sent me 5 letters in one day, my check was short less than $30.00, yet they demanded that I pay them the entire regular payment..Huh? The women I spoke to said "That's how our system works..Tough".
The customer service people are rude, one screamed at me that "If I paid my bills on time, this wouldn't happen" and then proceeded to hangup on me. I have never rec'd a late fee, I cannot control the mail, I allow 5-7 days for delivery, I honestly think that the payments are not processed promptly. I sent my December payment in on Dec. 23, it was due on the 28th, they called me at 8:30am today, I asked why they were calling, the women on the other end, said
"I don't know why, I am new, maybe your payment is late". I have 3 more payments, I am going to pay off the entire balance next month, I cannot stand these people, how they get away with this is beyond me.

OVER IT! We've been paying on an rv for 7 years! A 10 year loan! I am sure I've paid that 13, 000 off by now, but with their daily interest and 19.95% APR. We can't get ahead. IF, you don't have the payment there before the due date they call you. I pay by internet and am charged 4.95 each time I pay my bill. I know they have it rigged that you can't get paid off. It has all the feelings of a Loan Sharks! I had made a call sever months back to the company and the person who ans. the phone ans. in a different language! When I said I wanted someone who speaks English, she put a man on who spoke a strong broken English. But, at least, we were able to communicate, (somewhat). Because of our determination over the passed 12 months, we are close to our goal of paying them off. I am concerned tho that they will come back with some scheme to keep us from getting clear title to our 2005 RV, which by the way, is in prestine condition. Just a few months ago, we thought about trading it off and was told we owe more than it's worth! WHAT? Plus, SST gave them a bad report on us! That's it, ASAP we are getting out from under them. God Bless all of you who are under their control! Oh, and by the way, I've been out of work for the passed year! Go figure!

I agree with all the negative comments I have read here. The same thing has happened to me, in 2007 I purchased a camper and my loan was sold to sst. In 2008 I refinanced my home and with some extra money decided to consolidate my bills and my bank requested a payoff to sst, and then sent them a check for it. So for the last 3 years i have thought my camper was paid off, Well little did i know i recived a notice of repo in the mail the other day. When i called to say there must of been a mistake, first i was met with some very rude people and was told that my $18, 000 check to them was posted as a payment not pay off. Well needless to say after a few calls with the same results. I am in contact with my lawyer. I will probably end up paying what they say i owe but it just feels like i am being bullied. So for anyone that reads this please be weary of sst and keep all of your records up to date and stay on top of them.

I have had the same experience, my loan was sold to SST and they are trying to charge me a late fee when I had paid the loan within the grace period. I called and they wont resolve it saying it was late. I am so furious and will be paying this off soon! They did tell me the same thing about reporting me negative to the credit bureau.

I had and still have the same experience with this company. My payments are drafted out of my account but I received a letter stating I was behind due to late payments every month and charged the equivalent of one payment. I will be glad to have this loan paid off and done with.