My account was transferred from providian to sst I was notified by providian about four months before i heard anything from sst yet sst applied several hundred dollars in late fees and penalties and refused to remove them. I am constantly receiving billing statements after the due dates and charged $ 39.00 late fees i tried to combat these charges by paying a month in advance which the person on the phone agreed to and posted it on the computer, after the due date sst continued to call my place of employment suggesting that i was late and she could only waive the charges if i repay a payment that i have already paid.