SST-Systems & Services Technologies, INC. Reversed MY payment and credited it to someone else's account. Around January 11th I received a recorded phone call from SST which stated last payment received December 28 payment was due January 2nd and you are 9 days overdue. My first thought was Why would they say a payment was late when, in the message, it stated that they received it prior to the due date?
My previous statements showed that payments had been received and credited. Made no sense to me. I returned the call only to get a recording with several different options, none of which was to talk to a representative. Quite by accident I found my option under other automated services
I was told by the rep. That if I paid my bills, I wouldn't be getting called. I told her that I do pay my bills, and that there were several payments that had been paid weeks in advance of the due date. She finally looked at my account information and told me that it looks like someone reversed two of your payments and only credited one back, it looks like it is being worked on-you shouldn't get any more calls. O.K. Great-S* happens and if that's the end of it-no problem.
No calls for a couple of days and then the harassment started. The phone would ring, and when I picked it up, I would be hung up on. This happened more than once. Next time I talked to a representative, I was told that the calls were on an automated dialer and were programmed to disconnect if no one answered after a certain number of rings.
BULL S*. I answered the phone on a couple of occasions after 2 rings, and a couple others after 3 and was hung up on. Our answering machine picks up on 4 and the calls would come through and a message would be left.
I must have talked to a dozen representatives and was treated extremely rudely by most, but not all. I was called a dead beat, was told that I should be more responsible, should pay my bills, etc, etc, etc.
I finally reached someone who actually looked at what was going on and informed me that someone with a similar name was going through a bankruptcy and it looked to her like that was were my payment went-they would take care of it.
No calls for a couple of days and then they started up again, and got worse-sometimes 3 & 4 calls a day. More rude treatment, no one would listen to me-I was the bad person.
I finally got another person to take a closer look and she told me it was obvious to her what had happened (back to the other person with the bankruptcy)-just send in a bank statement showing that the payment had been sent (I pay on line, and yes, during one of my contacts, I did give the conformation #) and that should do it. She said that she would have the calls stopped for a few days so that they could review the paperwork.
I faxed in the bank statement, printouts from online banking showing transaction dates, confirmation numbers, date sent, and deliver by dates, print outs from check free corp. Showing basically the same thing plus the check number from the check that they sent out-SST is not set up to receive on-line payments (GET WITH THE TIMES PEOPLE!).
Later that day I received another harassing phone call from this company. I explained to them what I was told and what I had sent and was told that they had received no fax-if they had it would have been noted on my case. Another rude reb. I asked to talk to the supervisor that I faxed the info to (Michelle) and was refused. I stated that I would re-send the papers, which I did (another expense).
I was out of town for about a week and after I returned home I called the supervisor and she informed me that what I sent was not good enough-I had to send in front and back copies of the actual checks that were sent by check-free corp. I said that I would do that and contacted my bank the next day to get it started. During my conversation with the supervisor I asked her what time she received the fax and the time she gave me was the time that I had sent out the first fax.
I was sent copies of the wrong check by our bank, which delayed things further. I started receiving letters stating that they may report me to credit bureaus and late fees may be charged.
The phone calls got worse. It got to the point were when I got a phone call, I would tell them what was going on. I couldn't sleep. My heart rate would go up if the phone rang. I was a nervous wreck.
I finally talked to a very nice young man who could see what was happening and put me through to his supervisor, Eddie. After reviewing my file and talking to me, he told me that he would get the information that I had faxed earlier to Michelle and get it taken care of. I informed him of the problem with the check copies and that I had just received the correct ones and that I would fax them to him.
I faxed them out and the next time I talked to Eddie, he told me that all that came through was the cover letter and not the check copies-I said that I would re-send them and he said that it really shouldn't matter, that what I sent earlier was enough and he didn't understand why everyone was giving me such a hard time about this.
Once again I was told that the phone calls would stop-I received one maybe an hour later from collections.
Eddie called me back saying that he received the check copies that I re-faxed-I told him that I did not re-fax anything. That's two things that I faxed to them and had problems with. Eddie called me later that day, or maybe the next, and told me that he had taken care of my mess and I shouldn't get any more phone calls.
I thanked him and said that I would like a letter of apology from the company for the hell that they put me through and was told that that probably wouldn't happen-and it didn't. That was the last that I heard from them. It took from January 11 to February 25 to get this matter taken care of.
I was insulted, harassed, and threatened, I have not checked our credit yet-I checked on-line and it looks like they credited my payment back. This is the second problem with SST and our payment since they purchased our loan from Amtrust in August/ September. I went through hell for over a month for no reason other that the stupidity of this company's employees. This was a simple error that should have been very easy to remedy. Thank you again eddie-you seem to be one of the few who care!
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