SST Card Services review: Unlawful billing tactics and arbitrary fees! 168

Here is another technique that SST cards uses . For older people that head south in the winter changing there address for forwarding SST puts " Do Not Forward" on the person's bill. Our great Post Office says it is legal for SST to do this. What happens is the older people do not receive a bill, they do not pay the monthly bill and they incur a late fee. I have given the new address to SST but they ignore it every time and send the bill with the same old "Do Not Return" . They are just frickin crooks. The FBI might stop drinking coffee long enough to look at all the complaints against. SST.

Last month I was unable to make a payment on line. Finally I called the number listed on the bill and made payment by phone. The representative waived the fee as the web site was down. I was later advised that the payment had not been made and they charged a late fee, which put us over the limit therefore adding an over the limit fee. I made 4 phone calls and got no solution. At one point my husband spoke with a representative who hung up on him. He does not use abusive or fowl language but he was annoyed. Finally, in frustration I called them back and said I would make the entire payment online Nov 2. I was told that after I made the payment they MIGHT consider waiving the over the limit charge. When I went onto the site to make the payment on Nov 2 it TOOK MET 62 MINUTES TO GET THE PAYMENT MADE. WHEN I TRIED TO PRINT THE CONFIRMATION THE SITE SHUT DOWN! I have never had this kind of trouble with any other card company or site. Their representatives are poorly trained, unprofessional and rude. Surely something can be done to make this company accountable for their poor business practices. Advise smb!

This company has repeatably not received my mailed in payments and charged me with late fees and overlimit fees. Also hung up on me several times when I try to correct the problem over the phone. One time they posted my payment to my account the day after it was past due, (the payment had been mailed 14 days prior to posting.

SOMETHING IS WRONG AND IT IS NOT MY FAULT !

This happened again this month, and they refuse to remove the late fee. What do I do now?

Steve Affolter.

SST is IMPOSSIBLE TO REACH! Ive been trying to reach them for days regarding a charge that a merchant at the JFK airport restaurant put thru without my permission! I have called the merchant AND THE RESTAURANT AND I CANT REACH SST EVER OR THE RESTAURANT. THEY DONT EVEN HAVE A SPOT IN THEIR WEBSITE TO DISPUTE A CHARGE OR SEND SST A MESSAGE. IF YOU ASK ME THATS SHADY AND IM ALL IN FOR THE CLASS ACTION SUIT! THERE MUST BE A LAW AGAINST IGNORING CUSTOMERS! MY EM IS PMS1313@MSN.COM

If you are having a problem with SST call Jim Laws the CEO @ [protected].

My account with Providian was sold to them years ago and I can't seem to ever get the paid off. They increased my interest rate to 29.99% and then when it comes to the annual fee they just tack it on when it is that time with no warning so if you don't have enough credit they still add it and then hit you with an over the limit charge $35. Then if you pay it you still get hit with a late fee for not paying the full amount that is now due since they made you go over. It has been a nightmare trapped with them.

SST lied to me and told me they owned my car loan account. Furthermore, saying my previous company sold the account to them. After years of monitoring my credit report I noticed that the company name of SST now showed as SST/REMARK. I called them and asked, why were two companies reporting on my Experian credit report on one tradeline. No solid answer was given. After research I found out that SST is a loan servicing company (a collection agency). SST collects debt for the original creditor. None of my bills stated that they were a collection agency until the end of the loan. I have proof. This company is a fraud. They are not telling customers that they are a collection agency. Therefore, not allowing debt holders to use the Fair Credit Reporting Act to protect themselves. Ensure your account is owned by SST, by asking for documentation (in letter form) from your original creditor stating that SST own's the account.

MY credit card was sold to SST but I couldn't get in touch with them to set up payments.
Then I started getting calls from collection agencies and now I got a letter from a
lawyer nameed Silverman& Borenstein, PLLC. saying they will settle for half of the
amount . The amount is more than I owed the credit company in the first place.

I bought a used RV in 2005 and Providian was the original lien holder. Without my knowledge or consent, this acc was sold to SST and acc was changed to a credit card acc. They change the due date and since than have been told, I have been over 30 days late, since 2006, In addition, SST has put on additional fees and refuse to explain other charges. I dont have a phone anymore, but was told by them, they will only talk to me by phone. I have in the past with them calling me at least 20 to 25 times a day, even sending somone out to my friends house looking for me. I contacted the BBB, here in Arizona, only heard once from them in 3 months. My acc should have been paid in May of this year, but they say I still oue 1500.00 in other charges . People in this country are getting screwed by these companys everyday. I agree with class action suit. These people need to be stop the so called, legal stealing

sse did the same thing to me.i would mail my bill in 10 days in advance and still have late charges.when inquiring about the charges the nice lady on the phone replied, "we only have old Rupert working in the mail processing center and he's 87 years old.you should send your payment earlier".Class Action shouldn't be very hard for these crooks.

My husband lost his job and I called to ask for asst. to reduce my pymt due to a loss of over 100k salary and the person i spoke to told me they couldn't help me because i had help due to my hrs being cut from late last yr and it ended in Feb.this yr. The girl told me it isn't her debt its mine and that it isn't herfault that my husband lost his job. Its ours. It is not our fault the co.let 50 people go and that more are to come. Alli want to do is reduce my pymt until he finds something but they dont care. Most of the companies have been helpful except the ones that are not behind. They told me Ihave to fall behind before they can help me.Except SST. They won't help me at all. Isaid to the girl "Do you think my husband wanted to lose his job and the girl said I don't know. That it wasn't her problem and that they can't help me and that it was our problem. How can the president say things are getting better when they are not. I want to make payments just to reduce them for 1 yr. and they say no. no help for us. president Obama must do something to help us middle class . I am totally fed up with everything. This may not be a response to the last letter but I am at mywitts end with SST. they are the only ones not willing to help. What else can we do? Please help. Thank you. Lisa Hurley

My car loan was sold by AmTrust to SST & I have had nothing but trouble from them. They started a direct withdrawal without my consent. I just started a new job & am not getting my first pay check until the end of the month. I received confirmation that the payment for November was deferred but they themselves set up a payment for the 17th without my authorization. They are constantly hounding me stating my bill has not been paid and every month, prior to this month I have to confirm with them that the check has gone through.

SST Card Services Complaints - WAMU Account Purchased by SST Card Services - Questionable Charges, Outrageous Finance Charges and Poor Web Services
Review all SST Card Services complaints
SST Card Services
Posted: 2008-08-04 by P Lutz [send email]

WAMU Account Purchased by SST Card Services - Questionable Charges, Outrageous Finance Charges and Poor Web Services

Complaint Rating:
Company information:
SST Card Services
PO Box 23060
Columbus, Georgia
United States
Phone: [protected]
yourcardaccount.com

My WAMU credit card was sold to SST w/out my knowledge/consent. Since then, I've had nothing but problems. Let me first mention that I haven't used the card since SST took the account over.

1. The website (I generally do my banking online) is inadequate and doesn't allow for automatic payment;
2. There is no frace period. If your check does not get there before the due date there is a late fee on your next bill.
3. The finance charges are outrageous: 29%!
4. There is a weird charge called "Balance Tran/Promo Offer" on every bill

Is there anything that can be done about a credit card company selling your account? Are there laws about how much the new company can charge for interest?

Any advice would be great

The Company will not work with anyone. They charge astronomical percentage rates & they threating you with higher rates & bad debt. They told me that if I pay them $300.00 that they will lower my interest rate from 26% to 22%. I told them where they could go & that I would take my chances with collections. I am still trying to to make good with them but if they wont work with me then I'm not working with them. I didn't even open an account through them they bought my account from someone else & raised my rates. They are basically raping americans.

I am a victim of the SST online payment scam. My payment is due today and I am home recovering from surgery now they are going to charge me $39.00 late fee added on the next months payment. I've paid them well over $800 on a charge card that was only $500.00 not including the over limit and over due fees. They don't want to negotiate a lump sum fee. What's with that.

Kim - Washington, DC

I am going through the same issues listed here. First of all I don't even get a statement. I have not received a statement in six months and the one before that was six months. I call and tell them I did not get statement and they confirm by address but still no statement. They told me I was over the limit and I was being charded $35.00 for the past seven months. When I finally received a statement there is no over limit fee listed but they tell it has been charged and they do not have to show it on the statement. When I asked for a 12 month review of statements they said it would take three months to get. The say they can only look back on their systems three months.
When I asked the name of the person I was speaking with they refuse to give their name. The service is terrible and rude.
I asked for the number to their executive offices and address and they refuse to give.
They will not help resolve anything. Please add me to the list of complaints
Jennifer Tortorello

I have never dealt with such a rude or incompetient company. They seem to make it difficult to pay your bill so that the charges for late payments can mount up and make the next payment even more difficult to make. I was layed off a year ago and continued to make my payment on time (tried to be) with the amount due, unfortunately their website is not accessible most of the time and who wants to pay 10.00 more to pay over the phone, when I pay them with my online bill account it take more than four days to process even though my bank is sending it out the day the request is made. So that incures late payments at 40.00 a pop, not counting the large finance charge, now that my bill is over the limit the charges are even worse. I have kept in contact with them month after month to make payment arrangements and just found out that they closed my account even though I made contact weekly to keep them up to date. I hope that the lawsuit pays off and maybe the victims of this card company can get a bailout!

All I can say is THANK GOD Capital One has not raised my interest rate! It is still around 11% which is good considering I had 5 credit cards (two with CAP ONE, but paid one off), down to 4 now and still plugging!
You may want to transfer your balances to Capital One, they have been GREAT for me for the last six years. Far and above ALL of the other companies! I am going to do this, but still would love to know if there is any way to recoup any losses with SST.
OH and if you have an account with HSBC, or like me, two, if you send a check for each card with the statements for each card, they are not read by people, but COMPUTERS, so it will apply both payments to one card! Found that out after attempting to "speak" to someone in PAKISTAN who was, unfortunately, the only customer service rep available! Took a month for the credit to apply to the correct cards!
WELCOME TO AMERICA!

I too am having problems with SST. I had an account with Washington Mutual which was sold to SST a year and a half ago and IMMEDIATELY, my interest rate went up to 30%! I called and asked why in early 2007, but they gave me some B.S. story that they were allowed to do it by law since they acquired the account, which, I might add, was ALWAYS in good standing! I am all for filing a lawsuit for unethical business practices and would love to know where to sign up!

had auto loan transferred to SST 7/25/01 went through all their bull.. extra fees, crazy interest rates. Was laid off from work in2006 tried to keep account current when possible, they contacted us in late 2007, early 2008 about sending someone to house to verify we were here they said would speak to me to verify, after waiting approx a month called sst, lady looked up info said person contacted me (news to me) I said no she gave me wrong address house description etc, said also talked to neighbors, I asked all of my neighbors (on good accord with all) they said nobody contacted them, so she said would investigate, never got back with so figured was settled. Contacted them 3/17/2008 for payoff, received amt, sent money in, received lien release statement and title paid in full around 3/27/08 around 3-4 months later after no contact at all get call from sst you owe us 40.00 for (field call), said no was paid in full, she said no we owe, got called deadbeat even after payoff, told her to send a bill, after a month get payment statement that shows 40.00 on 3/27/08 day when paid off, get calls every day, called sister in law, wife at work? tried to be upfront paid off loan and this. if any action against sst I would like to be contacted .

... SST is the only Credit Card I have that HARRASSES IT'S CUSTOMERS...

I agree with all the complaints. They start calling at 8:01 AM every day and stop at 8:OO PM - 7 days a week INCLUDING HOLIDAYS. I have even talked with them about when I can make a payment and to please record that - they're response was - when it is paid we will stop calling you.

These 10-12 calls a day- sometimes more - are HARRASSMENT. They start the very first day the payment is due and dog you. I hope that they get SUED big time for this. Try talking with someone to make arrangements for payment - HAHAHAHAHA - even if you do make arrangements, they still call you 10-20 times a day. Recorded message half the time is garbled and when you answer and tell them that you have made arrangemets - again say - "Calls will continue until the payment is received".

Yes I can see if they call you after the GRACE PERIOD and if you tell them when the payment will be made on such and such date they should mark it down on the ACCOUNT and if not received then MAKE another call. But THESE HARASSING CALLS are just that HARRASSMENT. They are RUDE, YELL AT YOU - makes me want to yell back AND then they say I don't have to talk like that " GIVE ME A BREAK" You started it. They probably do not even record any of the messages and if they do they probably hit RECORD after they have insulted you.

I want to complain about the harassing phone calls I am getting from SST. I understand getting phone calls when a payment becomes late by say, 10 days. A phone call saying, "Hey, your payment is late and if it goes over 30 days it will show up as a negative report." That is perfectly understandable. But SST begins calling the very first day the payment is late and calls and calls, several times a day until the payment is made. If I am 4 days late on my payment, I can expect at least 16 phone calls - I am not exaggerating. This kind of harassment is unecessary and ridiculous. They have also raised my interest rate to the maximum amount and slap me with trumped up fees every month. I have to make payments 4-5 times the amount of my minimum payment amount just to get ahead of the fees.

Do any of you think that buisness is buisness? I dont have a credit card w/ them but APRs are going up all over the place, its not just SST, and when you activate that card and you use it if you dont pay on the due date in the terms and agreements it states you WILL GET A LATE FEE. There is no grace period when it comes to interest, you pay a daily interest amount, and as for the over limit fees, yeah they may not be fair if you get a late fee then an over limit fee, but its buisness, and once you activate that card, they can do whatever they want, no point in suing them, you'll never win. and as for having to wait 10 days to have a payment post thats over $200, thats probably so they can make sure the payment wont be NSF later by the bank thats how long it can take for a payment to be returned by the bank, if you make a payment for that much, then it go and charge that much to the card then it comes back as a bad check...you go over the limit and get all kinds of fees, they dont hold the money they apply it to your account but they wont let you charge on that $200 until its clear. Thats smart! No buisness is going to give you FREE money and expect nothing in return, they expect what every other bank does, pay it back ONTIME, you dont get your house or car for free, and if you are late on your account, they charge you a fee as well. Yes they may charge high fees, but their a buisness if you dont like it, apply for another card somewhere else and transfer your balance.

I was originally a Providian customer, who then sold my account to Washington Mutual, who then sold my card to SST. I have begged them to lower the interest. There is NO reason for the interest rate to be near 30%! They said their hands were tied by the bank and refused to divulge on the bank's name. I looked it up and complained to the bank-BEGGED to have the interst lowered. They forwarded the message to SST who called me the next day and stated they thought they had "educated me" that the interest could not be lowered. It's still unclear- Why's the interest so high? She said to lower the interest, I would have to close my account (first give them roughly $1, 000 which I don't have, ) but the interest would only drop a couple points. She also threatened that if I had even just one late payment, my interest would inch closer to, (probably break) 30%. These people should pay back all the bogus interest I paid them (which would probably wipe out my current "owed" credit.) If there is a class action suit against this company, feel free to contact me. These people are hurting everyone and they need to be stopped!

My card was sold to SST from Washington Mutual. I had disability insure, and when it was sold it was dropped. I got a rare disorder called sudo-tumor. And now that I am blind and disable I found out I no longer have the disability insurance I once had. My husbands plant has closed, and my disability just don't pay the bills

I have had it with SST-I share all the horrible experiences as previously stated-how do I file a legitimate complaint and have receipt of doing so?

how do you stop these idiots from calling your number with out signing over your right to privicy to the government through their intervention?

I had my providian account sold to WAMU and then to SST. I was a day late with one payment because they processed the check late and now my interest rate is 30%. My wife has the same card with them - same situation - Providian, WAMU, SST. Her interest rate is still in the 15 to 19% range and I pay the bills, so I know she was at least a day late once or twice as well.

I have the same problems with SST. I was never late with my Providian account. Once I found out the card was sold to SST, I tried to access their website for payment. Same story as everyone on here...told to pay a $10.00 fee to pay online. That was 4 years ago..flash forward to August 19, 2008 and I applied for a mortgage and SST has 4 separate derogatory accounts listed on my mortgage merged file. They changed the account numbers, charge off-one, issued a new account number as a collection as show as a recent late pay and they even took my stellar Providian account, change account numbers, and showed as a charge-off. I am furious! I have DV them twice and filed disputes with the CRA. They still remain. Count me in on a lawsuit. I cannot believe our rights are not being protected. Any help from anyone here would be helpful. My mortgage depends on it! Thanks

I have never had the "rage" I have had when working with a company before. I was with Washington Mutual before my account was charged off to SST (like many of you). My credit score has always been fairly decent (high enough to buy houses, cars, etc.), but now because of SST, my credit is ruined!

I hardly EVER get a bill from these people. When I call, they are rude and obnoxious! I have never been treated this way when trying to work with a company/business. They treat you like you are trash who can't keep up with their bills. They all but called me a liar when I told them I wasn't getting their bill. Month after month, when I ask them to please take off the late fee, of course the answer is NO! I was no where near my limit when I was with Washington Mutual. I haven't used the card since it was sold to SST. Now, I'm over my limit and am charged all these ridiculously fees every month!

I would LOVE nothing more than to SUE their ###. Please email me if there is a class action suit brought against these slime balls! gforbes25@verizon.net

I really don't know how people who work for SST can sleep at night. With the economy/gas prices they way they are... we are all pinching pennies and I certainly don't have the $$$ to be handing over the SST, when especially the charges they are charging me aren't even legal (in my opinion).

I wish so badly I could just pay these ### off and put this nightmare behind me.

I had a Providian, which sold WaMu then to SST. The credit limit was $4500.00 I was paying monthly. When SST bought the account it should have been paid in fullbut thet showed it with a large balance. I ask for proof of this account and have been trying to get some help from them, after 15 months at $150.00 they have my balance at $4, 800.% intrest and late fees. I refuse to send another payment at these fees...and without proof I own this debit. I am sure at the intrest rate the origal account was at and the amount of payments, t was paid off months and months ago.

SST Sucks! They tell me I was late on a payment & because of that my interest rate goes from 9% to 29.27% this is totally unbelievable. Now the only way to reduce it is to close the account which they say will reduce the rate 4% taking it to 25.27%. Like that's really going to accomplish anything. Their customer service is poor & not helpful at all. My last conversation was with a Mandy #1715 who has the attitude of oh well this is the way it is & if you don't like it tough! She also refused to give me her last name or the president of the companies name. She told me this was irrevelant to my account.

I was in the hospital and was not able to work. As a result of this, I fell behind in my bills. I explained this to SST. They said they would keep calling until I paid. After months of Phone calls, which I chose to ignore, someone from sst said I should call because they had a hardship program. When I called, they said they had no such program. After I borrowed money to pay them, I called to see if they would forgive some of then late fees and or interest. They said because I did not answer some of their calls, they wouldn"t do anything. Every other card I have ever had was willing to work with me. This company and their employees were the worst I have ever dealt with. I was paying the entire card balance, and the woman gave me a total, she said there would be more because they were adding more finance charges. Unbelievable! These people should not be in business.

i too had our rate go up to 30%, i called and had no help from customer service, i lost my job and our household income had been greatly reduced. i read all the comments on this board and saw the name of someone that could help, he personally answered his phone and i explained that we could not afford the new payments. within 15 min someone with the workout dept called me and reduced my rate and set up a new payment plan, we closed our account i coudnt be happier, she was very kind and reset my account, i guess what i trying to say is, instead of writing all this negitive stuff try to call and they will work with you, you have to talk to the right people (dept) and you cant call in swearing and blaming them for all your problems, just be honest and be plesant and they will work with you.

My contract was also sold and a major increase in interest soon followed.This is another example of the disabuse of what could be a good thing for our country.How the ### are we moving forward when corp. execs. continue to outsource in the name of 1M. vacations?The services they offer are rapidly decreasing while their rates and terms become more intolerable.Their opt-out terms are not great either.So, what`s your solution?

I have already wrote a complaint but what good will it do when our corrupt sumpreme court votes 9-0 in favor of the banks every time I figure they must get perks from them it makes no sense maybe obama or hillary one day will make a difference in congress because the corrupt sumpreme court in my eyes never will they just ignore the complaints it seems heck they'll in office for life how fair is that maybe they only make 120, 000 just imagine how much they might make on perks does 9-0 everytime make any sense at all especially when millions of people are very disappointed with the sumpreme court

I had my Providian account transferred as well... my big problem with this company is the fact that they don't accept payments. I sent 2 payments electronically through their site and both of them did not got through. these payments were both processed on the same day by me, one for immediate pymt one for another pymt several days later.. I did not print confirmation, stupidly, and now my balance is a full $250 OVER THE CREDIT BALANCE! This company is surely the worst I have ever dealt with and the economic stimulus check I got is going straight to pay off this company so I never have to deal with them again. I will surely research this company further and any other company that does business with them I will boycott and refer my network to do the same. I sincerely hate this company, and hope they go under very soon.

James

Ok 1st off.. Everyone who has a credit card apparently agreed to the terms & disclosures of the account or you wouldn't have the card. By accepting the terms & disclosures of your card means you accept all fees and the way the card works.. If you didn't read the fine print that is your fault not the collection companies- Am I right..? Yes.! You are responsible for your credit card account and paying it all back -on time as stated in the terms & disclosures.. If you don't have a copy just call us and we can request a copy for you. What we do is not harrassment we follow a stern and valid set of rules and policies we know what we are allowed to do and what not to do. If we have to call you everyday until you pay then that's what we'll do.. If you don't like it don't get a credit card and if you do pay it on time and you wouldn't get the fees. But then again you keep me having a job so don't pay your bill & I'll be calling you... Ha Ha Ha.!Yeah I do agree some of the fees and consequences are a little harsh but think about it- you agreed to everything we do so it's not a surprise. Sorry but it's the truth.

The company harrasses for payment even when you pay your bill timely. They call everyday for money.

I have had car loan with them for 3 years. After having an excellent payment history, with high credit rating, suddenly I began receiving calls that my payments for the SUV were "not being made", late, no record received, etc. despite the fact that my online payments per my bank were forwarded electronically with a confirmation and tracking number. Made two payments in January, neither of which they can "find"! And, they call my office for credit, harassment calls! I have excellent credit (at least I did until I got involved with them!). And, now accelerated interest rate, late fees, locked out of my account, and on and on! Where do I SIGN to file suit against these guys? Thanks. Jaclyn Brooks