Product: Debt collection

In XX/XX/XXXX, I signed up to have my debt consolidated through an app, XXXX. I was making my payments for over 2 years and then on XX/XX/XXXX I received an email that they were going to be closing down and my debt was going to be transferred to another service provider. 

Correspondence was received on XX/XX/XXXX, from an email account- XXXX XXXX about the transfer of services from XXXX to SST ( Systems & Services Technologies ) XXXX XX/XX/XXXX. There was a link provided in the email to register the account but the link never worked and I could not register my account. I received a bill on XX/XX/XXXX stating I owed {$150.00}, but when I clicked on the link to pay I received a message : Your connection is not private Attackers might be trying to steal your information from XXXX ( for example, passwords, messages, or credit cards ). Learn more about this warning XXXX XXXX XXXX and could not access my account. 

I was finally able to get in via the website but it was not easy to find through a search engine. I made a payment for the {$150.00} on XX/XX/XXXX but did not receive any email confirmation regarding the payment and received an email on XX/XX/XXXX stating that I still owed for the balance of {$150.00} for the month of XXXX. Again, when I tried to click on the link, it would not work, and I received the same message as above. In the month of XXXX I had tried to access my account via the old way I did before, through the website, but now I am receiving an message saying my password has been changed, and when I go to answer the security questions, it states that the answers are incorrect, when they are not. SST reported by lack of payment to XXXX and my score actually went down XXXX XXXX 

On XX/XX/XXXX I reached out to SST and spoke to an XXXX XXXX about not having access to my account so I could pay my bill. She told me that I was actually locked out of my account because it was 60 days past due. 


I explained my account was past due because I did not have access to the online portal. The links provided in the email would not work, and the website was not accessible. I continue to be locked out of my account because of my past due balance. 

When I spoke to this person, the amount I owed was very unclear. There were past due payments, one included over {$600.00} another past due payment was over {$400.00}. When I asked about a payoff amount, she stated that she could actually not give me an accurate payoff amount. I said I read about this happening to another person online, they thought they paid it off but then there was XXXX XXXX still in the account, it accrued daily interest and was a problem. When I asked her how I could ever pay this off then if the balance she gave me was not accurate she could not accurately answer the question and she left me confused. 

My payoff amount as of XX/XX/XXXX Is {$6100.00} and this can only be paid off over the phone. This will take 24-48 hours to process and 20 days to actually close the account. I asked about the daily interest that will accrue while waiting for this to happen. She said that it would not accrue over the 20 days but it was not clear if it would accrue while waiting for the payment to post 24-48 hours. 

This really seems like a scam. I have not been allowed access to my account. I can not see how much I owe, or where my payment even went. The payoff amount I received this morning was a number I had never had access to, and when I asked about just paying this off she was very evasive and could not guarantee that that was actually the payoff amount.