Total CFPB complaints
13
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 13 complaints
Keystone Credit Collections Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 7 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Keystone Credit Collections Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
6 complaints
- Cont'd attempts collect debt not owed 2
Cont'd attempts collect debt not owed
2 complaints
- Communication tactics 2
Communication tactics
2 complaints
- Threatened to contact someone or share information improperly 2
Threatened to contact someone or share information improperly
2 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
F
Grade F · 38.6/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Keystone Credit Collections Inc.?
Keystone Credit Collections Inc. has accumulated 13 total CFPB complaints across 7 states, with 0 filed in the most recent 12 months against 13 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
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 15% 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 7 states, led by Pennsylvania with 6 and California with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 38.6/100 places Keystone Credit Collections Inc. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
7
Distinct state filings
Timely response rate
15%
Within CFPB SLA window
Consumer disputes
33%
After company response
Reputation grade
F
38.6/100 composite
Response-quality profile
How Keystone Credit Collections Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 15.4%
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 12.5%
Share of US states + territories with at least one filed complaint against this collector.
How does Keystone Credit Collections Inc. compare to its peers?
Keystone Credit Collec… 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)
2014-09 2019-08
Top Consumer Issues
Attempts to collect debt not owed6 (%)
Cont'd attempts collect debt not owed2 (%)
Communication tactics2 (%)
Threatened to contact someone or share information improperly2 (%)
Disclosure verification of debt1 (%)
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 | 5 |
| Cont'd attempts collect debt not owed | Debt is not mine | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| Threatened to contact someone or share information improperly | Contacted your employer | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
Where do complaints against Keystone Credit Collections Inc. come from?
The states where consumers have filed the most CFPB complaints against Keystone Credit Collections Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Keystone Credit Collections Inc.
Across 7 states with at least one filing
- Pennsylvania
Pennsylvania
6 complaints
- California 2
California
2 complaints
- Puerto Rico 1
Puerto Rico
1 complaints
- Illinois 1
Illinois
1 complaints
- Mississippi 1
Mississippi
1 complaints
- Washington 1
Washington
1 complaints
- Texas 1
Texas
1 complaints
Frequently Asked Questions
What is the most common complaint against Keystone Credit Collections Inc.? ▼
The most common issue consumers report about Keystone Credit Collections Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 13 complaints filed with the CFPB.
Are complaints against Keystone Credit Collections Inc. increasing or decreasing? ▼
Complaints against Keystone Credit Collections Inc. have been stable. The company received 0 complaints in the last 12 months.
What is Keystone Credit Collections Inc.'s reputation grade? ▼
Keystone Credit Collections Inc. has a reputation grade of F (score: 38.6/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Keystone Credit Collections Inc. respond to consumer complaints? ▼
Keystone Credit Collections Inc. has a 15% timely response rate to CFPB complaints. Consumers disputed the company's response in 33% of cases.
In how many states does Keystone Credit Collections Inc. operate? ▼
Keystone Credit Collections Inc. has received CFPB complaints from consumers in 7 states, with the most complaints from Pennsylvania (6 complaints).
What can I do if Keystone Credit Collections 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 Keystone Credit Collections 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 |