Systems And Services Technologies [SST]
Reviews and Complaints

I have an sst credit card. Sst purchased my account from providian. When this happened I learned that sst would never increase my credit limit... Which is hard if you are trying to build credit.
Recently I missed a payment by 2 days. I thought I had scheduled a payment, but when I went on the website to monitor that payment (which I always do) I saw that there was not a payment yet made. I immediately went on the website to make the payment, actually a greater payment that what was due.
I just received my most recent statement in the mail and my interest had gone from a fixed 9.99% to 26.99%. Needless to say I was shocked. I called the cc company and they admitted that I had never been late with a payment (before this last one) and never over the credit; however, with their terms even if you miss 1 payment the interest rate automatically goes up and will never come back down. This is ridiculous and I will be paying this cc off as soon as possible. I would suggest everyone boycott them. Seriously 3 times as much?

I had a Providian credit card for a year or two and then all the sudden my card was changed to a SST company. I would not recieve bills and would pay payments when they would call and say I was over my limit. Unfortunately not recieving a bill confused me greatly, so I would make my account good and the same thing happened the next month. I then got online to the online address to pay my bill and noticed other people were experiencing the same dilemma. I call SST and they said I "shouldnt believe everything I see on the internet". That was all they could say. I asked them to get online to SST website they said they had "no desire to". It seems they wanted me to not pay the bill on time so they could charge the astronomical interest rate of 29.99%. I still have yet to pay them nor will I. I have asked them to take me to court to get their money simply that way I have witnesses to show I paid them. I originally owed them around $400 now since not paying-I owe $700 something. However I know not paying is making the problem but when they didnt send a statement, I didnt remember. Other times I did pay and they said it was late, so either way I'm at a loss. I want something done with this company they need to be held accountable for their actions. I just recieved a phone call from a company called APEX today and they first said they were from Providian-Washington Mutual- How they have my new phone number I'm not sure. I asked the man are you from Providian or SST he says no now its APEX. I am not paying them a dime, he was threatening me and I told him to take me to court. He said smartly " Whos your attorney lady?" I think somethings need to be looked into with the company. If I could pay what I owed in the beginning to a court and have it documented that it is paid, I will do so. If not FORGET IT! They are scam artists and with this economy we need to have all the help we can get. Please someone do something!

I was sold to SST in 2006 by Washington Mutural and since then the interest rate has skyrocketed to 29.9% interest. I was getting burried. So they said if I skipped 3 months they would give me a hardship rate of 9.9%. So I did that they completely ruined my credit and now they are going to raise the rate back up to 29.9% if I am lucky. I now owe more on the card now then when i was trasfered what a rip. I want my credit back and my card paid off. I tried to settle for a cash settlement. They did not seem to interested in that either. What is a person to do?

I have recently been trying to pay off this account with sst for the last 3 months
I was late with a payment back about 3 month ago because I didn't have a job.
I got a job then I immediately started making more then a payment to sst
to begin getting this paid off.I got caight up on the missed payment.
I paid then late fee and over the limit fee that were charge because this was my fault.
2 months into paying on this I notice my acct was going down but very little.I took
a good look and they are charging me $39 a month interest on a 1500 balance.
My payment sst $50 per month, so only $11 is going to the actual
balance tp pay this off.I have called sst in the past about overlimit fee
or late fee, try to get the charges reverse.They told me that there was
nothing they could do.They couldn't reverse the charges.Other credit
cards company will do this as a courtesy, but sst doesn't have this policy
They have rude customers service.They used to do this.
I have paid on this account religiously every month.
Once you have a problem, they stick it to you with this default
interest rate

sst will call a day after my bill was due, sometimes 3 times a day. Whatever happened to a grace perion

I was a member of Washington Mutual a couple of years ago. I faithfully made payments every month and was able to monitor my account online and there was also links to free credit monitoring on the website. I had tried to payoff my account one month for about 150.00 and they payment went through. About a week later I received a notice that my payment was late. But I knew that I had made the payment throught the automated payment on the website. I called the 800 number on the back of my card, I was given a new 800 number to call. The call was tranferred to SST. When the customer service person replied by "Thankyou for calling SST" I said Oh! I hav emy account with Washington Mutual. They then told me that WAMU sold my account to them. They told me that for some reason the payment didn't go through. I check my bank account and it had not cleared my account yet, so I proceeded to pay the amount over the phone. Now mind you my limit was only 350.00. About 2 days later, I saw that there were two payments for the 150.00. I called my bank and they said that one payment was automated and the other was a direct debit, which means that it was paid on the website. I called SST and they said that they would not refund me one of my payments, and they applied both payments. Then I began to get ovet the limit fees of 39.00 and late payment fees of 39.00 because I never received any bills from SST. I could not access their website to access my account. My original limit was 350.00 and now because of all the fees atc. my balance is over 600.00. Because of thir 29% interest rate I have barely been able to pay this down. Does anyone have any suggestions on what I can do. I am currently having this payment paid through a credit counsiling agency. Once again, I too was never notified of the "buy out" nor did I ever receive terms and agreements of SST.

I had a WaMu credit card which was sold to SST bank. They promptly decreased my credit limit, without notification, and started charging an overlimit fee. Then they started calling 10-15 times a day on all numbers associated with that account to tell me that I wasn't past due but was overlimit (even though they did not notify me of their actions) and if I didn't set up payment over the phone they were sending me to collections. I was paying for the acct protection which covers you if you lose your job. I was laid off, called them to notify them & provided proof of such by my employer, and they refused to enact the coverage and started calling 25-30 times a day until I paid down the balance $400 under the limit. They are a bunch of crooked sharks.

My account was sold to sst, I always paid my bill on the 1st of every month, even after it was sold to sst. My payment was not due untill the following month but I always set the payment up on their website 4 days in advance to be paid on the 1st of the following month. To my shock I was sent a notice that I owed a penalty of $45.00 dollars for not having the money in my bank. I called sst and said I always pay on the 1st as I have direct deposit. They informed me that I must have made a mistake on their website as they tried to electronically deduct from my bank on the day I went on their website. I argued with them and told them that I know what date I put in and it was for the first of april. They would hear none of and were rude. I then made my payment for april. And just recently received my next bill and was told my interest rate went 14% to 28.99%

Your card account.com is the biggest scam. It will not work and when you call they state they have problems with their site and are working the issue. The tell you that you can pay be check over the phone for a $10 fee. This is complete bs. Why should I have to pay a fee because they cannot get their website up and running. There are many complaints on line regarding this issue.

I received a credit card from washington mutual I got ill with a heart condition and was off of work for 4 month with in time it was hard to make payments so washington mutual sold my credit to sst ever since that time the apr has been outrageous amount that it has been hard to pay off. I even made a big 900.00 dollar payment but when I ask I could adjust the apr about 3 weeks later they said they couldn't adjust unless I made another 200. Oo dollar payment then on top of that they said that the 900. Dollar payment didn't count because it was last month. This bank make sure that you can not pay off your balance. The only thing I can say is transfer you balance to another credit card with a lower apr and cut up that card. So you can't be control by this company any more!

I never authorized or was ever informed of a buy out of providian to sst? Who ever they are!//I pay my bills on line each month before the dus date, yet I am charged a late fee/ for the record I will not pay these late fees. They are a scam and illegal in my opinion, it is not my fault it takes this company days sometimes weeks to process a payment done on line/get with it sst who ever you are?

After paying off my loan I was charged an over limit fee. I had only gone over the limit a small amount. I forgot to include the 29% interest these sharks charge. So when I called to get my balance and actually spent less than that they then charged interest fees and over the limit it went. I am on my way to pay this stupid card off and will never again darken the sst hallways of credity. Providian was a great company ez to work with - the owner of this company has written several books on customer service. I might add that sir you do not live up to what you write.

My providian card was sold to SST Card Services last March. Since then, every month they have been increasing my interest rate which is now up to 30.24%. I have never missed a payment. I have never been late (even though they change my due date every month and I have to be very careful to read my bill and find the due date). I usually pay even higher than the required payment because I am trying to get rid of this company. I don't even have a card to use on this account because when they bought my account from Providian, they never sent me a new card. Can they do this?

Our motorhome loan is with SST. It is awful they can never seem to have there facts straight. Three weeks ago iI am not late then 2day got a bill saying I am 2 month behind which is impossible. I think they try to get you tripped up in your payments to get more money out of you. They are for ever messing things up and a real aggervation. I am on the phone with them monthly with screw ups. Hate this company but they have now messed up our credit with their mess ups we dont know what to do. We owe to much just to pay off but looking at other possibilities. Crazy is all I can say I will never finance another thing with them. I will run out of the office if that is my choice. I do not need anything that bad! They are just like Green Tree. I will never do business again with these two. They are just alike. Hate Them!

I had a providian card that was sold to SST w/o my knowledge and it was sent to collections. I was able to pay this debt off to providian (still not knowing that it was sold to SST). Now SST is after me for the same money. From what I have read everywhere they are scums of the earth. trying to keep it clean I think they are worse then that. I would love to have a class action suit against them. LET ME IN ON IT!

I had a credit card account with WAMU and it was sold to SST without my knowledge. In turn my payment was late to SST and I have been rudely harassed by telephone as well as my cell phone. They call every hour ( seriously) and talk to me as if I am some lazy bum who doesn't pay their bills. I have repeatedly told them that I had the payment scheduled to be electronically paid through my bank and that it is on it's way but they kept on insisting that I pay over the phone. They kept warning me that I will incrue late fees if they don't receive their payment by a certain date and that some banks don't get the payment sent on time. I also never had a problem with my bank ever getting a payment sent late. I told them I scheduled it to be sent the day before it was officially due. They still continued to hound me and speak to me rudely. The calls kept coming every hour to the point were I had to stop answering my phone. I had my husband call to stop the calls but they were just as rude to him and spoke to him as if he was trying to talk his way out of paying. I am not looking forward to the next bill because I know that even though I sent the payment on time I will still be billed a late fee. They have no website either. When you call they tell you to call back later after you spend the time putting all you information through on the phone. I am by no means a slacker, but have been dealt with as if I am by SST.