Alorica Inc.

I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

I am filing this complaint against SST/XXXX for unauthorized XXXX withdrawals, failure to provide written authorization, false credit reporting, and retaliatory delinquency reporting. BACKGROUND : I was a customer of XXXX, a debt management app that ceased operations in XXXX. When XXXX shut down, a company called SST obtained my banking information without my knowledge or consent. I never signed any agreement with SST, never authorized them to access my bank account, and was never notified that my account was being transferred to them. UNAUTHORIZED WITHDRAWALS : Despite having no agreement with me, SST began making automatic debits from my checking account. This continued for approximately XXXX years. All funds withdrawn were applied to interest only, meaning my principal balance never decreased. I have bank statements documenting every unauthorized withdrawal.…

SST received a formal billing error and audit demand on XX/XX/year> regarding a XXXX line of credit. They have failed to provide a statutory response within 30 days as required by Texas Finance Code 392.202 and federal law. They are continuing to report unverified, mathematically impossible balances.

I am requesting that SST/XX/XX/XXXX provide me with a copy of any Form XX/XX/XXXX, Cancellation of Debt, that was filed with the Internal Revenue Service concerning account ending in [ XXXX ]. Please confirm in writing whether this debt was canceled or forgiven, charged off, sold to another company, or remains legally collectible. If a Form XXXX was filed, please provide an accurate copy showing the cancellation date and amount. If no Form XXXX was filed, please explain why and identify the current owner of the account, the current balance, and the date and nature of the most recent account activity. I am also requesting that any inaccurate or inconsistent information being furnished to the consumer reporting agencies concerning the balance, ownership, or status of this account be investigated and corrected.

I disputed this alleged account with Systems & Services Technologies , Inc. SST received my dispute by certified mail on XX/XX/year>. The documentation provided in response did not resolve my dispute or establish that I am responsible for the alleged account. Despite my dispute, SST continues to report and treat the account as valid. The continued reporting of this disputed account is damaging my credit profile and harming my ability to obtain credit, financing, and other approvals.

I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. XXXX ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

In XX/XX/XXXX, I opened a XXXX XXXX XXXX XXXX account. The account was later transferred to Systems & Services Technologies , Inc. ( SST ) after XXXX ceased servicing the account. I have continued making payments on the account and am currently being charged a monthly payment of approximately {$570.00}. XXXX currently asserts that the account balance is approximately {$16000.00}. I requested documentation to understand and verify the balance being serviced. SST provided a copy of the original XXXX XXXX XXXX XXXX agreement and limited account records. However, when I requested a complete account history, SST advised that it does not possess payment history or transaction records for the period between account origination in XXXX and approximately XX/XX/XXXX. SST has stated that the balance it services is the balance transferred from XXXX.…

I am disputing the accuracy of information being reported on my consumer credit file by XXXX XXXX XXXX XXXX XXXX XXXX ( SST ), a third-party loan servicer based in XXXX XXXX XXXX Missouri. I am disputing the accuracy and completeness of what SST is reporting to the consumer reporting agencies. A review of my tri-merge credit report revealed that SST is reporting an account ending in XXXX on my credit file at XXXX XXXX XXXX XXXX. The XXXX XXXX field on this account is blank on all three bureaus. SST 's own legal disclosures state they are " a debt collector attempting to collect this debt for the current creditor '' meaning by their own admission they are not and have never been the original creditor. Leaving the XXXX XXXX field blank while implying by omission that SST originated the debt is a misrepresentation of the fundamental nature of this account.…

I have been unable to make payments on my account due to technical errors on XXXX XXXX XXXX XXXX ' payment portal. Both the ACH automatic payment enrollment and the one-time debit card payment options return errors, making it impossible to submit payment through their website. On XX/XX/year>, I contacted the company via email documenting both errors and requested they be resolved. I also requested removal of any negative credit reporting resulting from payment delays caused by their system failures. The company responded twice with an identical form letter stating they do not discuss account information via the internet and directing me to call. They did not acknowledge the technical errors, did not offer any resolution, and refused to communicate in writing. Their system errors are preventing payment. Any late fees charged or negative credit bureau reporting during this period is a result of their platform 's failure to accept payment, not a failure to pay on my part.…

I received a debt collection notice dated XXXX XXXX, 2026 regarding an alleged XXXX debt. The notice states that unless I dispute the debt within 30 days, the debt will be assumed valid. The debt has been disputed for many months. Prior to collection activity, I submitted a formal fraud and billing dispute directly to XXXX regarding fraudulent charges, billing irregularities, and a request for a comprehensive audit of account activity dating back to XXXX XXXX, 2024. XXXX representatives previously advised that certain invoices were fraudulent and would be waived, yet additional disputed charges continued to appear. XXXX representatives also stated that a comprehensive audit would be conducted, but no audit results, transaction history, investigation findings, or final determination have ever been provided.…

I received a letter dated XX/XX/year> from a copy named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXlaiming I made a fraud claim but however the collection paper was sold to XXXX XXXX XXXX The issues are that I have never heard of these companies. The letter does not state what the fraud claim was, the company that made the original collection. These XXXX companies are trying to scam money from a senior citizen, but they are scamming the wrong person.

I have a loan account XXXX XXXX XXXX XXXX XXXX XXXX originated by XXXX XXXX in XX/XX/XXXX and transferred to SST following XXXX 's closure in XXXX. I have made 48 monthly payments of {$100.00} totaling approximately {$4800.00} on an original balance of {$3200.00}. My mathematical analysis shows my balance should be approximately {$1300.00} based on the stated 27.74 % APR and {$2.00} daily interest accrual. SST is reporting a balance of {$2800.00} a discrepancy of approximately {$1400.00} that I can not account for under the stated loan terms. I have sent a formal debt validation letter via certified mail requesting a complete itemized payment history and original loan documentation. I believe SST may be collecting an amount not authorized by the original agreement in potential violation of the FDCPA and TILA

Previous CFPB Complaint Reference : XXXX ( filed ~XXXX XXXX, XXXX ) Narrative / Description of Complaint I am filing this follow-up complaint against Systems & Services Technologies, Inc. ( SST ) for continued violations related to my solar loan originally originated with XXXX. Key Facts : On XX/XX/XXXX, I entered a Loan Agreement with XXXX, XXXX for {$49000.00} at a fixed interest rate of 2.99 % ( see attached Loan Agreement ). A XXXX XXXX XXXX ( # XXXX ) was filed on the solar equipment only ( attached ). Payments were made via autopay through XX/XX/XXXX with no prior missed payments. Servicing was allegedly transferred around XX/XX/XXXX to SST. I received no proper notice of the transfer. Specific Violations by SST : Insufficient Debt Validation SST has provided only weak, incomplete documentation ( a one-page transaction history and the original LoanPal agreement ). They have refused to provide : Full chain-of-title / assignment documents from XXXX XXXX SST.…

I am requesting validation of this alleged debt because I do not recognize it and require proof that I am legally responsible for the amount claimed. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ).

I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

I am submitting this complaint regarding my loan account currently being serviced by Systems & Services Technologies , Inc. I previously contacted the servicer via email as well as through certififed mail back on XX/XX/year> in writing to request specific information about my loan, including the identity of the current owner or investor. In response, I was provided with documentation related only to the origination of the loan. This did not address my request. To date, I have not been clearly informed of who currently owns or holds my loan. This lack of transparency is preventing me from fully understanding my account and exploring appropriate resolution options. Additionally, I have expressed to the servicer that I am unable to afford the current daily interest accrual {$9.00} and monthly payment amount {$530.00}. Despite this, I have not been provided with clear information regarding hardship programs, alternative repayment plans, or potential settlement options.…

I am submitting this complaint regarding SST Banks failure to properly apply Servicemembers Civil Relief Act ( SCRA ) benefits to my account, despite multiple requests and repeated submission of required documentation. I became eligible for SCRA protections beginning XX/XX/year>. Since that time, I have made several attempts to have my account adjusted in accordance with SCRA requirements, including submitting my military orders and supporting documentation on multiple occasions. Despite this, SST Bank failed to correctly apply the benefits in a timely manner. After continued follow-ups, the company eventually applied the SCRA benefit only to future billing periods, rather than retroactively to XX/XX/year>, as required under federal law. As a result of this failure, I have overpaid a significant amount of interest over the course of more than XXXX XXXX. I have contacted SST Bank numerous times by phone and have been given inconsistent and unhelpful responses.…

I am submitting this complaint regarding an alleged personal loan debt that I strongly believe may be the result of identity theft. I was recently notified of a debt allegedly owed to XXXX XXXX XXXX XXXX, which has resulted in a wage garnishment order being sent to my XXXX based on a case filed in XXXX XXXX XXXX XXXX XXXX ( Case # : XXXX ). However, I do not recognize this debt and do not recall ever authorizing or applying for such a loan. Additionally, this alleged account does not appear on any of my credit reports, which has prevented me from disputing it through the credit bureaus. I previously filed a complaint regarding this matter, and XXXX XXXX XXXX XXXX responded that as of XX/XX/XXXX, they no longer service personal loans and advised that the servicing of this account is handled by Systems and Services Technologies , Inc.. Given these circumstances, I am requesting that the CFPB investigate this matter further.…

I am submitting this complaint regarding inaccurate information being reported by SST/Medallia on my credit report. I submitted a direct dispute to XXXX XXXX FCRA XXXX XXXX a ) ( XXXX ), disputing the accuracy and validity of an account that I do not recognize and did not authorize. In my dispute, I requested that the company conduct a reasonable investigation and provide documentation demonstrating both the validity of the account and their authority to report it. Despite this request, XXXX has XXXX to report the account without providing any documentation identifying the original creditor, the underlying obligation, or any signed agreement establishing that I am responsible for the account. Additionally, I have not received any documentation demonstrating their authority to furnish this information to the credit reporting agencies.…

I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

I have submitted disputes to the company about continuing to re-age the loan that has been charged off. They are conducting illegal practice under the fair credit act. I have reported this to them twice. Once in 2025 and again XXXX of this year and their response was to start over again for XXXX. It was XXXX of XXXX now it's XX/XX/XXXX which is today 's date.

Summary SST Card Services is reporting a XXXX late payment on my Experian credit report for an account ( # XXXX ) that I never applied for, never agreed to, and never received any card, statement, bill, or correspondence for. You can not be late on a payment you never agreed to make. SST does not have my mailing address and has never sent me a single statement or bill. Despite this, SST reported me 30 days past due, damaging my credit score and my ability to operate my small business. I previously disputed this account through XXXX XXXX investigation sided with SST, and my report now states Completed investigation of FCRA dispute consumer disagrees. I do disagree. SST must remove this late payment immediately.…

Systems & Services Technologies Inc. took over a loanI had with XXXX XXXX. The monthly payment is {$260.00}. On XX/XX/year> they withdrew the payment amount twice. I immediately contacted them and forwarded a copy of my bank statement releflecting the duplicate withdrawal. I did not receive the repayment until XX/XX/XXXX. I asked if I could wire the monthly payment as there have been problems in the past. There response was a letter dated XX/XX/XXXX advising me that the recurring ACH payment has been cancelled. What recourse is availlable to me? And am I entitled to a " reverse '' payment penalty for the 10 days I did not have access to my funds? My account number is XXXX and my name is XXXX XXXX. Thank you for your assistance in this matter.

Systems & Services Technologies , Inc. ( SST ) continues to furnish a charged-off account to consumer reporting agencies despite admitting it does not own the debt and no longer services the account. In SSTs CFPB response dated XX/XX/year>, SST states that servicing of this account was transferred to XXXX XXXX XXXX effective XX/XX/year>, and that SST has no ownership interest in the account. Despite this, SST continues to report and verify the tradeline to XXXX and XXXX. A non-owner, non-servicing entity lacks first-hand knowledge and authority to verify ongoing balances, account status, or reporting accuracy. Continued furnishing under these circumstances violates the Fair Credit Reporting Act requirement to ensure maximum possible accuracy. Additionally, this same tradeline has already been deleted by XXXX, demonstrating inconsistent reporting across consumer reporting agencies.…

Org Compliant : XXXX I submitted a written request to Systems & Services Technologies , Inc. ( SST ), the servicer of my solar loan, requesting disclosure of the current owner or assignee of the promissory note pursuant to 15 U.S.C. 1641 ( f ) ( 2 ). SST responded on XX/XX/year> by providing debt validation materials, payment history, and a copy of the original loan agreement. However, SST did not identify the current owner of the loan, nor did it state whether the loan has been sold or assigned since origination. Federal law requires a loan servicer, upon written request, to disclose the name and address of the entity that owns the loan. Providing validation documents is not responsive to this requirement. Despite multiple written communications, SST has failed to provide the required ownership disclosure. I am requesting that SST be required to comply with federal law and provide written identification of the current owner or assignee of the promissory note.

The Respondent , Systems & Services Technologies , Inc., is attempting to collect on an alleged account that is the direct result of a coordinated identity theft scheme and does not constitute a valid or enforceable consumer obligation of the Complainant. The Complainant did not authorize the opening of the alleged account, did not receive the benefit of the alleged transaction, and has never acknowledged or ratified the debt. Despite receiving formal notice of identity theft along with supporting documentation in XXXXXXXX XXXX XXXX, the Respondent has continued collection activity and has relied on inaccurate personal identifiers, internally generated records, and questionable payment history to deny fraud rather than conduct a reasonable investigation as required under federal consumer financial protection laws. The Respondent has failed to substantiate that the Complainant is the true obligor and has instead shifted the burden of proof back to the consumer.…

I called SST on XX/XX/year> to discuss payment options or potentially lowering my interest rate as I've experienced some financial hardship over the last year. They were unwilling to offer more than a XX/XX/XXXX month delay in payments but when I logged into my account SOMEONE ELSE 'S LOAN INFORMATION POPULATED. Screenshot has been linked below. XX/XX/XXXXXXXX This was a loan I took out with XXXX, who closed and sold my loan to SST. SST has more than doubled my interest rate - and that's whatever, XXXX - but my bigger issue here is that I now have someone else 's name, loan information, home address, car make/model/vin..... this is clearly a breach of personal information. I am concerned that someone else may have access to my personal details. SST suggested that they cancel my account and have me re-register... but I don't see how that will solve the concern here. I have logged into this account numerous times over the years and NEVER seen someone else 's information.…

The sole and only contract I have was signed by me on XX/XX/XXXX. In that agreement my APR is 8.99 %, there is an annual fee of {$300.00} and I was approved for a line of credit for $ XXXX. ( I have a copy of this contract for your review ). I never missed a payment and had outstanding credit at the time I applied. XXXX ceased operations in XX/XX/XXXX and stopped lending altogether. At that tie loan servicing was transferred to Systems & Services Technology ( SST ). They informed me that I now had an interest rate of more than 14 % and my loan had been converted from a line of credit to an installment loan. I began making payments and never questioned it, as I did not realize that SST had completely changed the terms of my agreement.…

On XX/XX/year>, I spoke with the companys Title Department and was transferred to XXXX. I was advised that the account is closed and that the XXXX filing should have already been lifted. I was told the person responsible for XXXX filings was out of the office and would return on XX/XX/year>. During this call, I explained that my roof was being replaced and the solar panels would not be reinstalled. XXXX advised that the roofer could dispose of the panels as they saw fit. On XX/XX/year>, I called and spoke with XXXX in the Title Department. She stated my point of contact would be XXXX XXXX, who was in a meeting and would call me back. I again raised the issue of disposing of the panels during roof replacement. XXXX stated she was unsure of the process and asked what XXXX had advised, noting he had more experience. I explained that XXXX stated the panels could be disposed of. Later on XX/XX/XXXX, I spoke with XXXX XXXX in the Title Department.…

SST is falsely reporting on my credit. I have never had any accounts with them. Per my research SST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.