If you received calls, letters, or payment demands tied to System & Services Technologies, the safest first step is to verify the contact in writing and document what is happening before you pay or share sensitive information. Systems & Services Technologies, Inc. (often listed as “SST”) operates in loan servicing and collections, so contact may relate to a loan account being serviced or a balance being collected.
This guide focuses on practical, proof-first steps you can take if System & Services Technologies contact feels excessive, confusing, or pressure-driven, and how to protect yourself if you believe the communication could indicate a mistake, a scam, or conduct that might violate consumer protection laws.
Table of Contents
- Who is System & Services Technologies
- Why is this debt collection contacting you?
- What should I do if this company is calling me?
- What They Say They Do
- Contact Information
- What Harassment Can Look Like
- Is System & Services Technologies Breaking the Law?
- What to Do If they Mention Legal Action
- What to do if this firm Legitimate
- Your Rights When Contact Becomes Excessive or Misleading
- What crosses the line
- How do I stop calls, messages?
- BBB Reviews and Where Complaints Show Up
- Get Help With Harassment
- Success Stories
- Conclusion
- FAQs
Who is System & Services Technologies
System & Services Technologies (often shown as Systems & Services Technologies, Inc. or SST) is a third-party loan servicing company that manages consumer loan accounts on behalf of lenders and portfolio owners. Its own materials describe “end-to-end loan servicing” for secured and unsecured consumer loans and receivables, which can include billing/statement support, customer service, and payment processing.
They may also contact borrowers about past-due amounts when an account is delinquent, because its disclosures state that communications can be from a debt collector attempting to collect a debt for the current creditor. The company lists an NMLS ID (950746) in its disclosures, which is another identifier consumers can use for legitimacy checks.
Why is System & Services Technologies debt collection contacting you?
System & Services Technologies may contact you because a creditor or loan holder uses SST to service your loan, process payments, manage statements, or collect an amount that is past due. This could happen even if you do not recognize the name immediately, especially when servicing is handled by a third party.
Common scenarios that could explain contact:
- Your loan was transferred for servicing (you still owe the same obligation, but a different servicer handles it).
- A payment was missed, reversed, or applied differently than you expected.
- A balance is being collected after a delinquency.
- Your contact details may be outdated, which can lead to wrong-number or wrong-person calls.
If you believe the debt is not yours, the amount seems wrong, or the timeline does not match your records, treat the situation as a documentation problem first, not a phone argument.
What should I do if System & Services Technologies is calling me?
If System & Services Technologies is calling you, the safest workflow is to shift everything into writing and build a clean record.
Step 1: Do not verify sensitive info on an inbound call
If the caller asks for your SSN, bank details, employer, or date of birth immediately, pause. If you believe the call could be legitimate, you can still insist on written details first.
Step 2: Use one sentence, then end the call
Say: “Please send me the details in writing.”
Then hang up. This reduces pressure and keeps you from accidentally confirming something you are unsure about.
Step 3: Start a simple contact log
Track date, time, number used, and a one-line summary. If repeated calls continue, a detailed log may help show a pattern.
Step 4: Send a written request for details
Use the address from your notice. If your notice is missing basic identifying information, the compliance mailing address shown in the company’s disclosure can be a reference point for written communication.
What They Say They Do
System & Services Technologies is described publicly as offering loan servicing and collections solutions and providing end-to-end loan servicing and collection services for consumer loans and receivables.
The company’s published legal disclosure also states that communications may be “from a debt collector attempting to collect this debt,” which is relevant if you are receiving collection-style outreach.
System & Services Technologies Contact Information
Use verified sources to confirm identity. If you searched this firm contact number or address, start with the contact information on your letter or statement, then cross-check using the sources below.
| Item | Verified detail |
| Company | Systems & Services Technologies, Inc. (also listed as “SST”) |
| Headquarters address (BBB listing) | 4315 Pickett Rd, Saint Joseph, MO 64503-1600 |
| Compliance mailing address (company disclosure) | Systems & Services Technologies, Inc., c/o Compliance Department, 4315 Pickett Rd, Saint Joseph, MO 64503 |
| California principal place of business (DFPI settlement document) | 5161 California Ave., Ste 100, Irvine, CA 92617 |
| Main phone shown on BBB profile | +1 866-256-7422 |
| Additional phone shown on BBB profile | +1 866-333-3819 |
Important: Callers can spoof numbers. Even if the caller ID shows a known number, it may not prove who is calling. Written verification is still the safest check.
What System & Services Technologies Harassment Can Look Like
“Harassment” is usually a pattern, not one call. If you believe System & Services Technologies Harassment is happening, the most useful approach is to document objective behaviors that could indicate excessive or misleading contact.
Examples that may be warning signs:
- Many calls in a short time about the same alleged debt
- Calls continuing after you request “mail only”
- Vague threats of lawsuits, garnishment, or “immediate action” without written details
- Refusing to provide a mailing address or refusing to send validation
- Calling third parties in a way that seems designed to pressure you
Call frequency expectations (Regulation F)
Federal rules include a call-frequency presumption tied to a particular debt. In general, a debt collector is presumed to violate the rule if they call more than seven times within seven consecutive days about a particular debt, or call again within seven days after a telephone conversation about that debt (with defined exclusions).
Even if call frequency alone does not prove a violation, your call log can help you show what happened.
Is System & Services Technologies Breaking the Law?
Whether conduct is unlawful depends on facts, context, and documentation. A company may legally attempt to collect or service a debt, but certain actions could potentially violate federal or state rules if you believe they are harassing, deceptive, or unfair.
FDCPA (harassment and misleading statements)
The Fair Debt Collection Practices Act (FDCPA) prohibits harassment or abuse (15 U.S.C. § 1692d) and false or misleading representations (15 U.S.C. § 1692e).
If you believe the caller used threats, profanity, or misleading claims, that could indicate a problem worth documenting.
Debt validation (notice and dispute framework)
FDCPA section 1692g addresses validation notice requirements and the dispute process.
If you think the debt details are unclear, requesting written validation may help you avoid paying the wrong balance.
FCRA (credit reporting accuracy disputes)
If you believe incorrect information appears on your credit report related to an account being serviced or collected, the Fair Credit Reporting Act (FCRA) provides a dispute and reinvestigation process (15 U.S.C. § 1681i).
TCPA (certain autodialed/prerecorded calls and texts)
If you believe you are receiving unwanted robocalls or prerecorded messages, the Telephone Consumer Protection Act (TCPA) can be relevant depending on consent and other factors.
Important: None of these laws automatically mean your situation is a violation. The key is to preserve evidence so the facts can be evaluated.
What to Do If System & Services Technologies Mention Legal Action
If System & Services Technologies mentions lawsuits, judgments, or garnishment, treat that as a reason to slow down and demand written documentation.
Do this immediately:
- Ask for the creditor name, account reference, and mailing address for disputes.
- Request written proof and keep copies of everything.
- If you receive actual court papers, do not ignore them. Deadlines matter.
A voicemail or a phone threat is not proof of a lawsuit. Real legal action typically involves formal documents.
What to do if System & Services Technologies Legitimate
If you confirm the account is legitimate and the numbers match your records, you can still protect yourself by using a controlled, written-first approach.
Safer steps:
- Request an itemized payoff or balance statement in writing.
- Confirm how payments are applied (principal, interest, fees) if applicable.
- Get written confirmation of any settlement terms before paying.
- Use traceable payments and save receipts.
- Keep a “paid in full” or “settled” letter after final payment.
If you believe the terms are unclear or the balance seems inconsistent, pause until you receive documentation.
Your Rights When Contact Becomes Excessive or Misleading
You do not need to memorize statutes. You need the parts that change what you do today.
Key rights that may apply
- Right to be free from harassment or abuse under FDCPA (15 U.S.C. § 1692d).
- Right to be free from false or misleading collection statements under FDCPA (15 U.S.C. § 1692e).
- Right to request validation details and dispute in writing under FDCPA (15 U.S.C. § 1692g).
- Right to dispute inaccurate credit reporting under FCRA (15 U.S.C. § 1681i).
- Protections that may apply to certain automated calls/texts under TCPA (47 U.S.C. § 227).
- Disclosure-focused protections under TILA’s purpose statement (15 U.S.C. § 1601), which supports the broader principle that consumers should receive meaningful, accurate disclosures about credit terms.
If you believe System & Services Technologies complaints reflect themes you are experiencing, use that as a reminder to stay documentation-driven, not as proof by itself.
What crosses the line
These are common “line-crossing” behaviors that could indicate a problem if you can document them:
- Repeated calls that appear designed to wear you down (especially if they hit the Regulation F call-frequency presumption)
- Claims that misstate what will happen next (lawsuit “today,” wage garnishment “tomorrow,” arrest threats)
- Refusing to identify the creditor or refusing to provide a dispute address
- Continuing to contact you in a way you asked them not to (for example, calling your workplace after being told not to)
If you believe any of these occurred, preserve voicemails, screenshots, letters, and your call log.
How do I stop System & Services Technologies calls, messages?
If you searched System & Services Technologies contact number because you want the contact to stop, the fastest path is usually “written proof + channel control.”
A clean stop-contact workflow
- Let unknown calls go to voicemail and save the recordings.
- Respond once: “Send me the details in writing.”
- Send a written request asking for validation details and requesting communication in writing only.
- Keep copies, envelopes, and certified mail receipts if used.
- If texts are involved, keep screenshots and note opt-out attempts (if offered).
If you believe you are dealing with a wrong-person situation, clearly state that in writing and request they stop contacting you about that alleged debt.
BBB Reviews and Where Complaints Show Up
If you search related complaints, one verifiable place to review complaint volume is the Better Business Bureau business profile, which lists an A- rating and notes 409 complaint(s) filed against the business (with a reminder that the profile reflects national complaint activity).
BBB complaints are consumer submissions and do not prove violations by themselves, but they can help you spot repeated themes and remind you to stick with documentation.
Regulatory visibility
The California DFPI has a public enforcement page for Systems & Services Technologies, Inc. under the Debt Collection Licensing Act (DCLA #10913-99) and lists linked documents including a settlement agreement.
Get Help With Harassment
If you believe the contact from System & Services Technologies is excessive, misleading, or aimed at the wrong person, a consumer-rights review may help you understand options without guessing.
At Consumer Rights Law Firm PLLC, the focus is protecting consumers from unfair and abusive practices and helping enforce rights under federal law, including the FDCPA, FCRA, and Telephone Consumer Protection Act.
| Consumer Rights Law Firm PLLC | Contact |
| Address | 133 Main Street, Second Floor, North Andover, MA 01845 |
| Phone | +1 877-700-5790 |
| help@consumerlawfirmcenter.com |
They may be able to review call logs, letters, and credit reporting, help draft dispute or validation communications, and evaluate whether the facts could potentially support claims.
Success Stories
Thank you again!!
Conclusion
If System & Services Technologies is contacting you and it feels like their harassment, the safest strategy is rarely to argue on the phone. Instead, verify identity using reliable sources, move the issue into writing, request validation details, and document patterns. If you believe the facts could indicate unlawful conduct, keep evidence and consider getting help so you can respond with a clear plan.
FAQs About System & Services Technologies
Why are System & Services Technologies calling me?
They may be servicing a loan or attempting to collect an amount tied to your account. Ask for written details first so you can confirm the creditor, amount, and dates before you pay or share sensitive info.
What is the safest System & Services Technologies contact number to use?
Use the number shown on your official notice, then cross-check with verified listings like the BBB profile. If you believe a caller may be spoofing, call back using a published number.
What should I do if I searched address?
Use your letter first, then verify using trusted sources such as the BBB listing or the company’s compliance mailing address shown in its disclosure. This may help you avoid impersonators.
Can repeated calls be considered harassment?
Yes, if you believe calls become excessive or are meant to pressure you, it may raise harassment concerns. Regulation F includes a call-frequency presumption tied to a particular debt that can help you document patterns.
What if the debt is not mine?
Do not pay. Dispute it in writing, state you may be the wrong person, and request written validation details. Keep copies and continue documenting calls in case the contact continues.
What if System & Services Technologies mentions a lawsuit?
Treat it as a reason to slow down and demand paperwork. Ask for the creditor, account reference, and written proof. If real court documents arrive, respond by the deadline to avoid default.
Can System & Services Technologies report to credit bureaus?
It could happen depending on the account and role, but accuracy matters. If you believe reporting is wrong, you can dispute inaccurate items and request reinvestigation under the FCRA process.
What if I want calls to stop quickly?
Stop phone discussions, request written communication only, and keep a log. If the conduct continues, your records may help show whether the pattern could potentially violate consumer protections.
Are their complaints proof they did something illegal?
No. Complaint posts may show themes, but they are not proof. Use them as a reminder to verify details, keep evidence, and stay in writing if you believe something is off.
How can Consumer Rights Law Firm PLLC help?
They can help you organize evidence, draft validation or dispute letters, and evaluate whether the facts may support Fair Debt Collection Practices Act (FDCPA), FCRA, or TCPA issues, so you can act calmly and strategically.
