SST Card Services

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September 3, 2014                                      ...⇄
RevDex.com
Attn: [redacted]
P.O. Box 2587
Columbus, GA
31902-2587
RE:         [redacted]
                                Case No.:  [redacted]
Dear Ms. [redacted]
We are in receipt of your
correspondence on behalf of [redacted]. We
remain committed to maintaining a high level of customer satisfaction and
appreciate the opportunity to assist.
By way of background, Systems
& Services Technologies, Inc. (“SST”) acquired the servicing of Mr. [redacted]’ account from Washington Mutual (WAMU) in
March 2007.  Prior to this date, a
welcome letter was mailed to all customers regarding the transfer to SST.  A notice of Change in Terms was also included
as a part of the letter.  The notice
states that the terms of the Washington Mutual MasterCard and Visa Agreement
that applied to the WAMU account will remain the same and in full force and
effect.
Automatic payments are
offered to pay either the minimum payment or the previous statement
balance.  Mr. [redacted] spoke with Customer
Service on August 21, 2014, and there was a misunderstanding.  In order to cancel or change automatic
payments, a request must be received in writing, by mail or fax.  Automatic payments will continue to be
withdrawn, at the minimum payment, on Mr. [redacted]s account until we receive a
written request to either change or cancel the automatic payments.
We received his request on
August 22, 2014 to cancel automatic payments, and we canceled automatic
payments on Mr. [redacted] account.  Upon
speaking with a supervisor, the misunderstanding was worked out, and automatic
payments were turned back on, for the minimum payment.  On August 22, 2014, [redacted] submitted a
payment of $1,499.96 online to pay the balance in full.  As of today, the account has a $0 balance,
and no payment was withdrawn automatically to pay the minimum payment of $35
due on September 2, since his balance is $0. 
 
If an account is setup on
automatic payments, and the balance is $0, SST will not withdraw a payment from
the bank account provided.  We will only
withdraw a payment if there is a minimum payment due (or previous statement
balance), as stated on the monthly billing statement.
SST apologizes for the confusion and
regrets that Mr. [redacted] was dissatisfied with our customer service.  Our representatives are trained to provide
exceptional service to all our customers. 
As this is a top priority at SST, we will give prompt attention to his
concerns.  We certainly hope Mr. [redacted] will be please with SST’s services in the future.
If Mr. [redacted] has any additional questions, he may contact our Customer Service
Department at 1-800-388-1806.
Sincerely,
Executive Correspondence
Department
SST Card Services
September 3, 2014                                      ...⇄
RevDex.com
Attn: [redacted]
P.O. Box 2587
Columbus, GA
31902-2587
RE:        [redacted]  [redacted]
                                Case No.:  [redacted]
Dear Ms. [redacted]:
We are in receipt of your
correspondence on behalf of [redacted] We
remain committed to maintaining a high level of customer satisfaction and
appreciate the opportunity to assist.
By way of background, Systems
& Services Technologies, Inc. (“SST”) acquired the servicing of Mr. [redacted] account from Washington Mutual (WAMU) in
March 2007.  Prior to this date, a
welcome letter was mailed to all customers regarding the transfer to SST.  A notice of Change in Terms was also included
as a part of the letter.  The notice
states that the terms of the Washington Mutual MasterCard and Visa Agreement
that applied to the WAMU account will remain the same and in full force and
effect.
Automatic payments are
offered to pay either the minimum payment or the previous statement
balance.  Mr. [redacted] spoke with Customer
Service on August 21, 2014, and there was a misunderstanding.  In order to cancel or change automatic
payments, a request must be received in writing, by mail or fax.  Automatic payments will continue to be
withdrawn, at the minimum payment, on Mr. [redacted]’s account until we receive a
written request to either change or cancel the automatic payments.
We received his request on
August 22, 2014 to cancel automatic payments, and we canceled automatic
payments on Mr. [redacted]’s account.  Upon
speaking with a supervisor, the misunderstanding was worked out, and automatic
payments were turned back on, for the minimum payment.  On August 22, 2014, Mr. [redacted] submitted a
payment of $1,499.96 online to pay the balance in full.  As of today, the account has a $0 balance,
and no payment was withdrawn automatically to pay the minimum payment of $35
due on September 2, since his balance is $0. 
 
If an account is setup on
automatic payments, and the balance is $0, SST will not withdraw a payment from
the bank account provided.  We will only
withdraw a payment if there is a minimum payment due (or previous statement
balance), as stated on the monthly billing statement.
SST apologizes for the confusion and
regrets that Mr. [redacted] was dissatisfied with our customer service.  Our representatives are trained to provide
exceptional service to all our customers. 
As this is a top priority at SST, we will give prompt attention to his
concerns.  We certainly hope Mr. [redacted]
will be please with SST’s services in the future.
If Mr.
[redacted] has any additional questions, he may contact our Customer Service
Department at 1-800-388-1806.
Sincerely,
Executive Correspondence
Department
SST Card Services

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

July 28, 2016 Revdex.com Attn: [redacted] P.O. Box 2587 Columbus, GA 31902-2587 RE: [redacted]. [redacted] Case No.:[redacted] Dear Ms. [redacted]: We are in receipt of your correspondence on behalf of [redacted] A. [redacted]. We remain committed to maintaining a high level of customer satisfaction and...

appreciate the opportunity to assist. Our records indicate, an attempt to contact Mrs. [redacted] at the alternate contact number provided was made on July, 19, 2016. We were unable to speak with Mrs. [redacted] as the contact number provided happened to be her husband’s cellular phone number. Our agent advised Mrs. [redacted]’s husband that the account could not be discussed with him without permission from Mrs. [redacted]. After speaking with Mrs. [redacted] on July 22, 2016, we were able to set up a payment as well as updated her contact information. Additionally, per our conversation with Mrs. [redacted], as a courtesy a credit for the late fee assessed on July 7, 2016 will be applied to the account by August 1, 2016. The credit will reflect on the next billing statement which will be mailed August 16, 2016. In regards to non-receipt of statements, we suggest contacting the local USPS as we have reviewed our records and have no indication of a returned statement. We have also tested our Customer Service phone line and determined it is working properly with no errors. If Mrs. [redacted] has additional questions, she may contact our Customer Service Department at 1-800-388-1806. Sincerely, Executive Correspondence Department SST Card Services Toll Free Telephone: (800) 388-1806 Physical Address: 4315 Pickett Rd St. Joseph, MO 64503-1600 Calls to or from this company may be monitored or recorded for quality assurance. Hours of Operation: Monday through Friday from 7am-8pm CT, Saturday from 8am-12pm CT

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October 26, 2015
Revdex.com
Attn: [redacted]
P.O. Box 2587
Columbus, GA 31902-2587
RE:      [redacted]
                        Case
No.:  [redacted]
Dear Ms. [redacted]:
We are in receipt of your correspondence on behalf of [redacted]. We remain committed to maintaining a high
level of customer satisfaction and appreciate the opportunity to assist.
By way of background, Mr. [redacted] opened credit card account ending
in [redacted] with Washington Mutual.  In
December 2006, Columbus Bank & Trust Company (“CB&T”), a division of
Synovus Bank purchased Mr. [redacted]’s account including all rights to receive
monies (including all ownership rights, title, and interest) from Washington
Mutual.  Please note that at this time
the account number changed to card number ending in [redacted].  On March 27, 2007, Mr. [redacted]’s account
was forwarded to SST to service on behalf of Synovus (fka Columbus Bank &
Trust).  Prior to this date, a welcome
letter was mailed to all customers regarding the transfer to SST.  A notice of Change in Terms was also included
as a part of the letter.  The notice
states that the terms of the Washington Mutual MasterCard and Visa Agreement
that applied to the WAMU account will remain the same and in full force and
effect.
SST regularly
monitors accounts for suspicious and unusual activity as part of a normal fraud
monitoring process.  When charges appear
to be outside of a cardholder’s normal spending habits, or far away from their
address of record, the account can be flagged for review with our Risk
Management department.  On September 28,
2015, unusual charges were attempted that appears suspicious, resulting in a block
being placed on Mr. [redacted]’s account. 
As these charges were attempted in California, well outside of Mr.
[redacted]’s residential area, with no notification of travel, our Risk
Management department placed the account under review.  There
have been continued attempted transactions from merchants located in
California, as recently as October 7, 2015. 
To date, none of these charges have been approved to be processed and
posted to his account.  The following
attempted suspicious charges are what our Risk Management Department was
attempted to speak with Mr. [redacted] with in order to obtain verification if
the authorizations were valid transactions or not.
Date                             Merchant                                    ...⇄             Amount           Time of Transaction                Location of Merchant
09/28/2015      Shiekh Shoes #029                  $151.17                                   21:20                                                   Moreno Valley, CA
09/28/2015      Shiekh Shoes #029                  $53.99                         21:22                                     �...⇄ Moreno
Valley, CA
09/28/2015      Macy’s East #540                    $135.00                                   21:41                                     �...⇄             Moreno Valley, CA
09/28/2015      Macy’s East #540                    $135.00                                   21:42                                     �...⇄             Moreno Valley, CA
09/29/2015      76                                       ...⇄ $22.84                         00:32                                                   Riverside, CA
09/29/2015      Shell                                     �...⇄ $49.77                         04:51                                     �...⇄             Sherman Oaks, CA
09/29/2015      El Torito $0098                                   $20.54                         21:21                                     �...⇄             Fresno, CA
10/03/2015      I Double on Nine Inc   $1.08                                       15:47                                     �...⇄ Fresno, CA
10/07/2015      Little Caesars                           $5.41                                       23:16                                     �...⇄             Fresno, CA
10/07/2015      Little Caesars                           $5.41                                       23:17                                     �...⇄             Fresno, CA
When Mr. [redacted]
spoke with our Customer Service Department, on October 8, 2015, our agent
advised Mr. [redacted] that he would need to speak with our Risk Management Department
for further assistance to determine what exactly triggered the flags on his
account and Mr. [redacted] refused to be transferred over stating that he had
not used his card for any purchases.
Upon receipt of this
complaint, we have honored Mr. [redacted]’s request to cease and desist all
contact with Mr. [redacted] and closed his account.
SST apologizes for
the confusion and regrets that Mr. [redacted] was dissatisfied with our
customer service.  Our representatives
are trained to provide exceptional service to all our customers.  As this is a top priority at SST, we will
give prompt attention to his concerns. 
We certainly hope Mr. [redacted] will be please with SST’s services in
the future.
If Mr. [redacted] has any additional questions, he may contact our
Customer Service Department at 1-800-388-1806.
Sincerely,
Executive Correspondence Department
SST Card Services

December 18, 2015
RevDex.com
Attn: [redacted]
P.O. Box 2587
Columbus, GA31902-2587
RE:         [redacted] [redacted]
                                Case No.:  [redacted]
Dear [redacted]:
We are in receipt of your
correspondence on behalf of [redacted] [redacted].
We remain committed to maintaining a high level of customer satisfaction and
appreciate the opportunity to assist.
Systems & Services
Technologies, Inc. (SST) acquired the servicing of [redacted] [redacted] account from First Equity in May 2010.  Prior to this date, a welcome letter was
mailed to all customers regarding the transfer to SST.  A notice of Change in Terms was also included
as a part of the letter.  The notice
states that the terms of the First Equity Visa Agreement that applied to your First
Equity account will remain the same and in full force and effect.
Our records indicate Mr.
[redacted] has made payments each month since May 2010 until October 2015;
however, the payment amount has only been the required minimum payment.  This payment is applied against the
outstanding balance due upon receipt, which does decrease the balance due.  Each month, the accrual of finance charges
for purchase and cash transactions are increasing his remaining balance due on
the billing date.  These charges are
applied towards his outstanding balance.
Mr. [redacted]’s two most recent
payments, received October 30 in the amount of $72.18 and December 1 in the
amount of $147.53 have both been returned for non-sufficient funds from the
issuing bank, which has also resulted in the accrual of late payment fees.  The
account is currently two months past due with a minimum payment of $223.26 due
to bring the account current.
If Crispus
M [redacted] has additional questions or to discuss payment options, he may
contact our Customer Service Department at 1-800-388-1806.
Sincerely,
Executive Correspondence
Department
SST Card Services
Toll
Free Telephone: (800) 388-1806
Physical Address: 
4315 Pickett RdSt. Joseph, MO64503-1600
Calls
to or from this company may be monitored or recorded for quality assurance.
Hours of Operation:  Monday through Friday from 7am-10pm CT,
Saturday from 8am-12pm CT

Could you please redirect this complaint to the Revdex.com of GA. Thanks
 
[redacted]
Escalated Response Specialist
Systems & Services Technologies

December 19, 2014
 
RevDex.com
Attn: [redacted]
P.O. Box 2587
Columbus, GA
31902-2587
 
RE:         [redacted]
                                Case No.:  [redacted]
 
Dear Ms. [redacted]:
 
We are in receipt of your
correspondence on behalf of [redacted]. We
remain committed to maintaining a high level of customer satisfaction and
appreciate the opportunity to assist.
 
By way of background, Systems
& Services Technologies, Inc. (SST) acquired the servicing of Mr. [redacted]’s account from First Equity in May
2010.  Prior to this date, a welcome
letter was mailed to all customers regarding the transfer to SST.
 
Mr. [redacted] states he has had
issues with this SST for years, having filed a Revdex.com complaint last year.  Our records indicate that Mr. [redacted]’s
complaint last year (case no [redacted]) was in regards to his account that was
past due at that time.
 
As of today, our records
indicate Mr. [redacted]’s account is currently past due, as we have yet to receive
the required minimum payment of $27.40 due on December 5, 2014, as indicated on
his November 14, 2014 billing statement.
 
As of the December 14, 2014
billing statement, Mr. Ashely has a minimum payment of $56.26 due by January 5,
2015, which includes the past due amount of $27.40 which Mr. [redacted] should pay
as soon as possible to bring the account into good standing.
 
Please note that SST offers a wide variety
of payment options for our customers’ convenience and we recommend customers
allow 7-10 days of mail time for payments submitted through the USPS regular
mail service.  SST’s customers may choose
from the following payment options:
·        
Mailing a payment to P.O. Box 23060, Columbus, GA  31902-3060;
·        
Electronic Funds Transfer (“EFT”);
·        
Check by phone with a live agent;
·        
Check by phone via the Integrated Virtual Response (“IVR”) System;
·        
SST’s customer website, www.deettocard.com;
·        
Money Gram Express Payment (Receive Code: 4259); and
·        
Western Union Quick Collect (City Code; CCSST; State: MO)
 
If Mr.
[redacted] has additional questions or to setup payment arrangement; he may
contact our Customer Service Department at 1-800-388-1806.
 
Sincerely,
 
Executive Correspondence
Department
SST Card Services
 
Enclosures
 
Toll
Free Telephone: (800) 388-1806
Physical Address: 
4315 Pickett Rd St. Joseph, MO 64503-1600
Calls
to or from this company may be monitored or recorded for quality assurance.
Hours of Operation:  Monday through Friday from 7am-10pm CT,
Saturday from 8am-12pm CT

October 23,
2014
RevDex.com
Attn: [redacted]
P.O. Box 2587
Columbus, GA
31902-2587
RE:         [redacted]
                                Case No.:  [redacted]
Dear Ms. [redacted]:
We are in receipt of your
correspondence on behalf of [redacted].  Systems & Services Technologies, Inc.
(“SST”) is a credit card servicing and payment processing company.  We remain committed to maintaining a high
level of customer satisfaction and appreciate the opportunity to assist.
Having
researched this matter, please consider the following:
·        
SST’s records reflect that on January 12, 2006, Ms. [redacted] opened
credit card account ending in [redacted] with [redacted].
·        
In December 2006, [redacted]),
a division of [redacted] purchased Ms. [redacted] above-referenced account
including all rights to receive monies (including all ownership rights, title,
and interest) from [redacted].  Please note that at this time the
account number changed to card number ending in [redacted].
·        
In March 2007, Ms. [redacted] account was forwarded to SST to service
on behalf of [redacted].  SST
began reporting a trade line for [redacted] which was listed on her credit profile
as the SST/ [redacted] trade line.  Please
note that another entity was servicing the account before the account was sold
to [redacted].
·        
SST’s records reflect that when the account was transferred to SST
for servicing, SST mailed Ms. [redacted] a “Welcome Letter” which explained that
the new creditor ([redacted]) was appointing SST to service the account on behalf
of [redacted].
·        
SST’s
records reflect that Ms. [redacted] last purchase using this card was on July 19,
2006 for $450.00.  The last payment was
submitted to SST on April 3, 2009 in the amount of $75.00.
·        
In November 2009, [redacted] charged off Ms. [redacted] account ending in [redacted] due to non-payment and sold it to [redacted].  At that time, the total balance due on Ms.
[redacted] account was $2,264.21.  SST
updated the SST/[redacted] trade line to reflect that Ms. [redacted] account was
closed/transferred with a zero balance (please
note that [redacted] and SST recently changed the manner in which SST reports the
SST/[redacted] trade line on a consumer’s credit report; therefore, the trade
line is now listed as SST/[redacted] on Ms. [redacted] credit
profile).
·        
After the account charged off, [redacted] engaged SST to
continue managing the account, and SST began credit reporting the newly charged
off account balance as delinquent on Ms. [redacted] credit profile.  This was listed on her credit profile as the
SST/CIGPFICORP, account number 26054791
trade line.  The account was then placed
with an outside agency, NCO, to perform collection activity.
·        
Currently, Ms. [redacted] SST/CIGPFICORP, account number 26054791 reflects having been
settled for less than the full balance since September 2012 as agreed with a
payment submitted to NCO in the amount of $2,592.00.  SST updated the SST/[redacted] trade line to
reflect that Ms. [redacted] account was settled for less than the full balance.
·        
In summary, when Ms. [redacted] account was first transferred to SST;
SST began reporting a trade line on behalf of [redacted] as the SST/ [redacted] trade
line.  Once the account charged-off, SST
continued reporting the original trade line (SST/[redacted]) but updated it to
reflect that the account was closed and transferred to another entity.  SST also updated the SST/ [redacted] trade line
to reflect that the account balance was transferred to another entity and
updated the balance to zero. 
Subsequently, SST, on behalf of the new creditor, [redacted],
reported the newly charged-off account balance as delinquent on Ms. [redacted]
credit profile.  Currently, the
SST/[redacted] trade line reflects having been settled for less than the full
balance since September 2012.  Please
note that [redacted] is not an affiliate of [redacted] Bank or [redacted].
·        
Please be advised that SST cannot affect or change how any other
company may have listed this account on Ms. [redacted] credit profile.  However, because of the correspondence
received, SST has submitted a request
to the credit bureaus to have the SST/[redacted] and SST/[redacted] trade lines
updated as “disputed.”
If Ms. [redacted] has any additional questions, she
may contact our Credit Disputes Department at (800)392-8308, option 7.
Sincerely,
Executive Correspondence
Department
SST Card Services
Customer Service Toll Free
Telephone: (800) 388-1806
Correspondence Address: 
PO Box 3997 St. Joseph, MO 64503-0997
Physical Address: 
4315 Pickett Rd St. Joseph, MO 64503-1600
Calls
to or from this company may be monitored or recorded for quality assurance.
Hours of Operation:  Monday through Friday from 7am-10pm CT,
Saturday from 8am-2pm CT

April 4, 2016
Revdex.com
Attn: [redacted] Columbus, GA 31902-2587
RE: [redacted]
Case No.: [redacted]
Dear Ms. [redacted]:
We are in receipt of your correspondence on behalf of [redacted]. We remain committed to maintaining a high level...

of customer satisfaction and appreciate the opportunity to assist.
SST understands Ms. [redacted] states she has been unable to reach us by telephone and unable to log into our website. Our supervisor, [redacted], reached out to Ms. [redacted] and spoke with her on March 28, 2016, at which time Ms. [redacted] was advised the issue would be escalated for review.
Per Ms. [redacted]’s request, the account has been closed. Again, we offer our sincerest apology for the inconvenience. If Ms. [redacted] has additional questions, she may contact our Customer Service Department at 1-800-388-1806.
Sincerely,
Executive Correspondence Department
SST Card Services
Toll Free Telephone: (800) 388-1806
Physical Address: 4315 Pickett Rd St. Joseph, MO 64503-1600
Calls to or from this company may be monitored or recorded for quality assurance.
Hours of Operation: Monday through Friday from 7am-10pm CT, Saturday from 8am-2pm CT, and Sunday from 5pm-9pm CT

SST has added a late fee to our account two months in a row. The "friendly customer service rep" isn't available any time. You call their 800 -388-1806 number and there isnt anyway to get to get a person on the phone! This company also has dropped our credit limit multiple times over the years and had the nerve to charge us an over credit fee. The last two payments were mailed 3/24 and 3/25 and were submitted for payment on 2nd of every month.-Really it took 10 days and the other 9 days to the USPS to get there.. I find that hard to belive.. Are you kidding,!How CC companies are allowed to operate like is criminals.

March 25, 2016
Revdex.com
Attn: [redacted]
P.O. Box 2587
Columbus, GA 31902-2587
RE: [redacted]
Case No.: [redacted]
Dear [redacted]:
We are in receipt of your correspondence on behalf of [redacted]. We remain committed to maintaining a high level...

of customer satisfaction and appreciate the opportunity to assist.
SST understands Ms. [redacted] states she has been unable to reach us by telephone and unable to log into our website to make a payment. Our records indicate that in February 2016, a fraud security watch was placed on Ms. [redacted]’s account due to potential suspicious activity. Our supervisor, [redacted], reached out to Ms. [redacted] and spoke with her on March 23, 2016, after which time she was able to verify her account and set up her payment in the amount of $70.00 which has been applied to her account.
Should Ms. [redacted] have any additional questions, she may contact [redacted] directly at (800) 392-8308, extension 2303, and we will be happy to assist her further.
Sincerely,
Executive Correspondence Department
SST Card Services
Toll Free Telephone: (800) 388-1806
Physical Address: 4315 Pickett Rd St. Joseph, MO 64503-1600
Calls to or from this company may be monitored or recorded for quality assurance.
Hours of Operation: Monday through Friday from 7am-10pm CT, Saturday from 8am-2pm CT

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
SST contacted me in a very timely manner. They were very nice and very helpful.
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

May 18, 2016
Revdex.com
Attn: [redacted]
P.O. Box 2587
Columbus, GA 31902-2587
RE: [redacted]
Case No.: [redacted]
Dear Ms. [redacted]:
We are in receipt of your correspondence on behalf of [redacted]. We remain committed to maintaining a high level of...

customer satisfaction and appreciate the opportunity to assist.
By way of background, Systems & Services Technologies, Inc. (“SST”) acquired the servicing of Dr. [redacted]’s account from Washington Mutual (WAMU) in March 2007. Prior to this date, a welcome letter was mailed to all customers regarding the transfer to SST. A notice of Change in Terms was also included as a part of the letter. The notice states that the terms of the Washington Mutual MasterCard and Visa Agreement that applied to the WAMU account will remain the same and in full force and effect.
While Dr. [redacted] has attempted to connect with our customer service department, we experienced a technical issue in which the automated system did in fact disconnect customers without transferring to an agent for assistance. As this is a technical issue that required our immediate attention to repair, we did contact Dr. [redacted] directly to discuss his account.
SST apologizes for the confusion and regrets that Dr. [redacted] was dissatisfied with our customer service upon locating additional phone numbers in his attempt to contact us directly. We certainly hope Dr. [redacted] will be please with SST’s services in the future.
If Dr. [redacted] has any additional questions, he may contact our Customer Service Department at 1-800-388-1806.
Sincerely,
Executive Correspondence Department
SST Card Services

Could you please redirect this one to the SST Card Services in Columbus GA, this one is active credit card. Let me know if you have an issues. Thanks so much!!!
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[redacted]
Escalated Response Specialist
Systems & Services Technologies