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Systems And Services Technologies [SST]

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Customer Service

4315 Pickett Rd
Saint Joseph, Missouri
United States - 64503

Complaints & Reviews

charge twice for a payment

This is my first time dealing with this company. I set up automatic payments and when I check my bank sttaement I had two payments drafted from my bank account from them on the same day. I call on a Saturday to ask why I was charged twice they claim my account was set up for auto draft. When I ask for a refund they tell me I have to wait. Then I get a call Monday morning telling me I have to provide them with my bank statement showing the money was drafted. I am so pissed, they take forever to refund when they charge you twice, but if I would have been one day late on a payment them I would get a negative mark on my credit report. And when you call you speak with a different person every time and they ask your information everytime. They have messed up my budget for this month and they way they operate I will not get my refund back until the end of this month. Even though they drafted the money autmaticlly I have to wait for a check in the mail.

  • Updated by Quinn20 · Nov 04, 2019

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    This is my first time dealing with this company. I set up automatic payments and when I check my bank sttaement I had two payments drafted from my bank account from them on the same day. I call on a Saturday to ask why I was charged twice they claim my account was set up for auto draft. When I ask for a refund they tell me I have to wait. Then I get a call Monday morning telling me I have to provide them with my bank statement showing the money was drafted. I am so pissed, they take forever to refund when they charge you twice, but if I would have been one day late on a payment them I would get a negative mark on my credit report. And when you call you speak with a different person every time and they ask your information everytime. They have messed up my budget for this month and they way they operate I will not get my refund back until the end of this month. Even though they drafted the money autmaticlly I have to wait for a check in the mail.

  • Lo
    Lovelyw2010 Nov 06, 2019

    The same thing happened to us this month and 2 months ago. They claimed we made a web payment as well as our automatic payment. Which is not true bc on the web site you make a payment they charge you an extra 5 bucks. We ended up disputing it with our bank again instead if waiting on them to refund us.

    Be careful bc they also change their stories a few times before they settled on the lady one. This company is so shady and I am not sure how they an A+ rating on BBB.

    1 Votes
  • Gc
    Gcort Jan 07, 2020

    They have harassed the crap out of us over payments one day late. Additionally they tried to tell me last night that I have a daily interest rate loan. I have the original contract when I purchased my boat before this got sold to SST. It is a fixed interest rate loan. No one can show me where they have the right to charge me $4.95 per day and why my payoff is way more than I owe.

    0 Votes

secure loan

I have been charged my monthly payment twice in one month more than once. Each time has been the fault of the company and they give a hard time for the additional charge to be refunded. The process takes at least a month, in which the next payment is due so the refund becomes pointless. This throws off the budgeting for the customer. Additionally, no one ever seems to have an idea of how to resolve the situation, although they can see an additional payment was charged. When the refund is finally approved, it is sent as check through the mail which makes the process even longer and more inconvenient.

rv loan

My husband and I have a joint loan on our RV. His credit report says we are current, but mine is showing we are 30-60 days late, with February's payment showing not made. What the heck?? These people are a joke!!! We've also been paying on this loan for 2 years, but my credit report says we have paid off 0% of our loan. How can you pay on something for 2+ years and have paid off 0%??? I am beyond frustrated with SST, but with this being on our credit report, I can't refinance somewhere else. I'm sure that's why they do what they do, so people are stuck with their sorry asses!!


11/02/2018 - 11/13/2018
CL942339 Estate Claim

I have made several Attempts to contact this company over a Estate Claim they have on a Estate account and I keep getting a runaround with the people that i need to talk to are never at work they are all ways out of the office.

they started off with a 20k claim and after they got the Boat back the claim was Amended to 5k and i am not able to get anyone on the phone that can help me with this. like i said every time i call they are not at there desk and i have left message to call me and i have never gotten a call from the Rep's nor have i been able to call in and get them on the phone. i am always asked to leave a message and they will call me back.

If i can get anyone on the phone that i can talk to i am going to ask for a brake down of the sale of the boat. at this point my Attorney is going to close the Estate account out and they will be excluded due to not ever able to talk to someone.
my Attorney has call as well with the same runaround. they are not able to furnish any claim to the Estate and keep telling me they no longer have the file that they need. but the department that does is never at work and no one seems to be at there desk if these people even exist.

poor communication from phone system

I have been a customer to SST for 14 years and their customer service is very poor. The main phone line puts customers through too many prompts and questions from the actual representative which can cause a person forget what they need assistance about. I called 5 times trying to dispute a charge and got disconnected three times and a representative referring to me as "honey!" Very poor customer service hands down! I am going to close this account once I receive my new card from a more reputable credit company.

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First off this company is by far the worst company ever. I would rather deal with collections. I have two loans through this awful company. I sent both my payments at the same time and they received one and not the other makes sense right? It was around Christmas time and I don't check my account daily to see if it came out or not. Well they said they never got my loan payment for only one of my payments . I had to pay a late fee because they lost my check possibly. So then I decided that I would just pay the for and pay it online well not only do they charge you for the late fee but now you have a fee to process online. So I called to make the payment over the phone there is even a bigger fee to pay online. Needless to say this company loves money and that's all they care about!!!

  • La
    laurene mccune May 27, 2007

    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.

    0 Votes
  • Ar
    Army Veteran2014 Oct 15, 2014

    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!

    0 Votes

customer service

It is so difficult to reach someone with this company. You have to search online for a number because the number that was on my statement was disconnected. When I called to pay off my balance the automated system told me that "there may or may not be a fee charge, " but doesn't say what that fee may be. I never received bank statements for my payments. I sent a message on their website for someone to contact me via phone, but they just sent an e-mail. When I responded to the e-mail and asked again for someone to call me it took 8 days ((yet they said we'll contact you and your convenience)). I unfortunately got my loan transferred to this bank by M&I (now HMO) but I recommend that if you have a choice do not pick this bank!

  • La
    Laura D. Root Feb 01, 2008

    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.

    0 Votes
  • Mi
    Miranda Bardo Apr 08, 2008

    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 and now that doesn't work! What is going on here?

    0 Votes
  • Ka
    Katie Apr 29, 2008

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

    0 Votes

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I dont trust these people

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collections misconduct

I opened a $20, 000+ loan with sst in july of 2005 and have always made my payments on time. When the economy went bad a few years ago I started to struggle to make payments, but always kept the account under 30 days past due, and always answered the phone when they called and talked to them. I have maintained a current account for the last year and a half, and owe less than $3000 on my remaining loan currently. This month my payment was literally four days past the due date because I was waiting for the bank to clear a check, and they put my account into collections and started calling a work number I never gave them, nor did I give them permission to call every 20-40 minutes. I immediately called them and told them they could not call that number or I would lose my job, and they needed to delete it immediately, and also inquired as to why they were calling me at four days late anyways. The agent was snotty and disrespectful and informed me they would not delete the number, but instead put a note not to call it that could take up to 48 hours to go into effect, and that they could call collections anytime after the day the payment is due. I am disgusted with this company knowing I have made my payments faithfully all these years only to be treated this way for the last few months of payments. I will never do business with them again. Ever.

  • Ke
    Keith Haffner Jan 30, 2012

    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!

    0 Votes
  • De
    Densmom12 Sep 14, 2012

    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.

    0 Votes

shady practices

This company should be put out of buisness immediatly and I agree with a class action lawsuit. I pay my rv loan on time I have bank receipts proving the payments but they always say I am 30 days overdue. They cant seem to figure out how to read a calander and they have fuzzy math. My loan was bought out by this # company from bank one. I had no issues with bank one until this un fit company bought out the loans. Its been hell like everyone else is stating and they do call neighbors, work, parents sisters brothers cousins whatever. They dont care and they are poorly trained and extremely rude and very un professional. If anyone knows someone who has a legal action and wants me to sign on I am all for it. Do not do buisness with this company!!! They constantly ask where to rv is I say its here and there and if u are so good at finding things go find it. They cant... I agree with the person stating finding criminals etc and they would end up finding themselves.

wrongful debit charge. unfriendly. web site is horrible.

yrs now I have been with SST. I have breast cancer and this was the most outrageous time of my life. I have called, email and written letters many times to this company regarding my account as far as working with me on the principle. Or anything for that matter. There is no lean ency from this company. I know I have read many complaints. Now, it has come to this in me getting a loan from my bank that I trust so that I can be done with this outrageous unsympathetic company. This is way to long to be paying for a loan. Regardless if am a couple of days late which I highly try to avoid. With a disability check and two young mouths to feed during surgery, chemo and radiation is no wonder so many are getting sick. Not only that the Web Site is unreal! You have to pay $4.95 on the web oh and YES if you pay by phone you have to pay a fee. If you are one day late you pay a fee ...fee's fee's fee's! This is ludicrous. My credit has been extremely excellent considering what I have to go through. I even tried to email the CEO or VICE PRESIDENT TO NO AVAIL. My BIGGEST complaint is I went to web site to see what the pay off was and guess what...THEY TOOK ALL MY MONEY! I was livid to say the least how am I to live now! I called they told now I have to wait it only took them a minute to get the pay off. What can be done about this company who do I need to email the President of the United States!

If you have to give this to the president please do so there are so many out there that have went to the complaint board about this company from customer service, web site, the phone system how some can't talk to anyone just a machine. My words will not change anything as I have tried many times before. Just know I will surely spread the word to all that I know in U.S. Sorry, that is just how I feel now I also know how they treat there employee's and this is no wonder when calling you can truly hear it in there voice. Customer service is number one and that is what makes a growing well known company.

I will also mention to all my colleagues about this company and it's unfairness no leeway no forgiveness no peace of mind on how we live and survive today.

#[protected] Principal $ 111.57 no wonder this payment is taking forever! I suppose the company will tack on more fees as time goes right. There is no mercy with this company and I relay on that plus fairness by all means. America does for that matter no wonder we are falling due to companies as this one. PLEASE HELP. My proof is my bank statement. I need this money back. I will mail of course the title back.

  • Ab
    abbeyrose Feb 10, 2013

    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.

    0 Votes

billing errors and no help

My account was sold to them without my knowledge. My bill is higher than the other company. It seems redcious that they can just sell a card to someone else without your permission. I had credit with the old company then when SST took my account te credit was canceled. I was paying my bills?? SST said they would not give me a card but wants my bill paid. This is so stupid.
The SST company doesn't want to do anything to make it easier.
After all, I paid payments on my bill they were current.
We all need to stop this scams. Please help fight these companies that just take over.

  • Ka
    KAshley Apr 21, 2013

    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.

    0 Votes

organized croime

SST, First Equity, NCO associates and affiliates are running organized crime reasons are they have different companies listed at the following PO Box 3997, st. joseph, mo [protected] these people use the same po box but with different company names their payment address po box 23060, Columbus Ga [protected] also when you attempt to pay them online they have many different domain names examples are, notice cap locks also so when you pay them they act like they did not get paid and play collections over the phone when you quote the Fair debt collection practice act to write not call they disregard this as well stating they will continue to call they also keep mispelling my wife's name even though they are paid by money orders showing her name. This brings us to another point when you pay them by mail Certified return receipt they sign the receipt and act like they still do not get paid writing letters we keep sending them photocopy of money orders showing we paid them.

The actions taken were the following

made complaints to the FDIC, Currency comptroller waste of time

filed arbitration Company refused

complained to the State Attorney General

This looks like a classic case of blackmail, extortion, racketeering, mail fraud, tampering, piracy of legal documents, identity theft all summed up this is organized crime what happended to protecting the inhabitants of the land from these kinds of activites

  • Mr
    Mr strongfire Jul 21, 2010

    Wow these people truly are mafia like criminals

    0 Votes
  • Mi
    Missytoo Aug 05, 2011

    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.

    0 Votes

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