SST - Systems & Services Technologies sst They stole funds from me, unauthorized Internet *EDitor's Suggestions on how to get your money back into your bank account that someone wrongfully takes it from you!

In a letter dated March 24, 2008, Fairway Lending Corporation, notified me that the servicing of my automobile loan was being transferred to Systems & Services Technolegies (SST).  From then March, 2008 until 12/3/09 I have been sending my payments to SST.  On November 30, 2009 SST did two (2) electronic withdrawals from my savings account, only was authorized.  I notified SST immediately of the error and they apologized for the error and I was asked to submit proof, a print out showing the error, I did.  I spoke w/a young lady by the name of Shanna.  The next day I called and spoke w/Steve, who informed me that the statement had to be on bank stationary, I informed him that I was not told that when I spoke w/Shanna and he apologized and said that it was company policy.  I went to the bank and asked them to fax a printout showing where they had drafted the two payments and the bank did.  I called the next day to see if they had received the fax from the bank and was told no and informed that it could take up to three days for them to receive the fax; then I was asked what fax number I had it faxed to and I told them 1/866-311-3426 and I was told that I should have use 1/866/311-3423, I asked what was the difference, because I had used the 3426 # and the fax was received the same day.

I went to the bank and got the printout myself and faxed it to them again.  For a week I was told that the faX had not been received ande until they received the fax there was nothing they could do.

On December 3, 2009 I received a letter from SST that my account had been transferred to Southside Financial Group for servicing.  I called SST to inquire about them refunding my money and was told that all of my records had been transferred to Southside and I needed to contact them.  I contacted Southside and was told by Justin, Dec. 15, that they just received my account and it had not been entered into the system and was also told by Justin that he would have his supervisor, Ms McCormack call me, which she never did.  I called back on yesterday, 1/5/2010 and Southside still could not tell me anything.  Also I received my statement for January and there is a charge for $26.77 and they could not tell me what it was for and I informed them that I was not going to pay.  I was told that I had to wait a month or so before they could get my account straight. I asked how many payments I had remaining and was told that they could not give me that information, I asked what was my pay off and was told a 30 day pay off would be $5,070.  I asked why the balance on my statement was $4845.10 and my pay off would be $5,070 and was told that interest is added every 30 days from my payment date and I explained to her that my payment is due on the 24th so why am I being charged interest, the young lady couldn't explain it other than to say that the computer does it automatically. 

Bottom line I want my money returned and my account cleared up. 

 

EDitor's Suggestions on how to get your money back!

HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:

Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.

According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.

If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.

Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!

DO NOT TAKE NO FOR AN ANSWER!

Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.

And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.

Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.

If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.

CHARGES TO YOUR CREDIT CARD

If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.

Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.

And good luck Let us know how you do!

ED Magedson Founder RipoffReport.com Author of www.ripoffrevenge.com

Rip-off Report PO Box 310, Tempe, Arizona 85280