Total CFPB complaints
139
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 139 complaints
Keynote Consulting, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 17 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Keynote Consulting, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
66 complaints
- Written notification about debt 16
Written notification about debt
16 complaints
- False statements or representation 14
False statements or representation
14 complaints
- Took or threatened to take negative or legal action 9
Took or threatened to take negative or legal action
9 complaints
- Cont'd attempts collect debt not owed 9
Cont'd attempts collect debt not owed
9 complaints
- Disclosure verification of debt 4
Disclosure verification of debt
4 complaints
D
Grade D · 54.8/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Keynote Consulting, Inc.?
Keynote Consulting, Inc. has accumulated 139 total CFPB complaints across 17 states, with 26 filed in the most recent 12 months against 113 historical complaints before that window. The trailing-12-month volume represents 18.7% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 95% timely-response rate against a 33% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 17 states, led by Illinois with 71 and Texas with 20, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.8/100 places Keynote Consulting, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
26
18.7% of total history
Rising ↑
States active
17
Distinct state filings
Timely response rate
95%
Within CFPB SLA window
Consumer disputes
33%
After company response
Reputation grade
D
54.8/100 composite
Response-quality profile
How Keynote Consulting, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 95.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 66.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 30.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Keynote Consulting, Inc. compare to its peers?
Keynote Consulting, In… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2022-11 2026-02
Top Consumer Issues
Attempts to collect debt not owed66 (%)
False statements or representation14 (%)
Written notification about debt16 (%)
Took or threatened to take negative or legal action9 (%)
Cont'd attempts collect debt not owed9 (%)
Disclosure verification of debt4 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 46 |
| False statements or representation | Attempted to collect wrong amount | 14 |
| Attempts to collect debt not owed | Debt was result of identity theft | 12 |
| Written notification about debt | Didn't receive enough information to verify debt | 9 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 9 |
| Attempts to collect debt not owed | Debt was paid | 8 |
| Written notification about debt | Didn't receive notice of right to dispute | 7 |
| Cont'd attempts collect debt not owed | Debt is not mine | 5 |
| Cont'd attempts collect debt not owed | Debt was paid | 4 |
| Disclosure verification of debt | Not given enough info to verify debt | 4 |
Where do complaints against Keynote Consulting, Inc. come from?
The states where consumers have filed the most CFPB complaints against Keynote Consulting, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Keynote Consulting, Inc.
Across 17 states with at least one filing
- Illinois
Illinois
71 complaints
- Texas 20
Texas
20 complaints
- Florida 15
Florida
15 complaints
- California 8
California
8 complaints
- Virginia 3
Virginia
3 complaints
- Wisconsin 3
Wisconsin
3 complaints
- Arizona 3
Arizona
3 complaints
- Georgia 3
Georgia
3 complaints
Frequently Asked Questions
What is the most common complaint against Keynote Consulting, Inc.? ▼
The most common issue consumers report about Keynote Consulting, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 139 complaints filed with the CFPB.
Are complaints against Keynote Consulting, Inc. increasing or decreasing? ▼
Complaints against Keynote Consulting, Inc. are rising. The company received 26 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Keynote Consulting, Inc.'s reputation grade? ▼
Keynote Consulting, Inc. has a reputation grade of D (score: 54.8/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Keynote Consulting, Inc. respond to consumer complaints? ▼
Keynote Consulting, Inc. has a 95% timely response rate to CFPB complaints. Consumers disputed the company's response in 33% of cases.
In how many states does Keynote Consulting, Inc. operate? ▼
Keynote Consulting, Inc. has received CFPB complaints from consumers in 17 states, with the most complaints from Illinois (71 complaints).
What can I do if Keynote Consulting, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Keynote Consulting, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |