Who is SST Columbus Bank and Trust. They are reporting VERY negatively on my credit report but when I contact them (which is very hard to talk with someone) they can never provide the information I am requesting.

When you do get to talk to someone they are very rude. When they bought my account from Providian (which I did not know happened) I had a balance of $380.00 and Providian was taking automatic payments from my checking account. When the automatic payments stopped I thought it was paid off. Until SST showed up on my credit report. Now SST is reporting that I have a charge off amount of $5, 326.00. HOW in the world did this go from $380.00 to $5, 326.00. I went through my payments to Providian and that is how I found that the balance after my last payment was $380.00.

This company needs to be put out of business and shut down for good. I think that the credit reporting agencies need to remove this company automatically from everyones credit report.