Total CFPB complaints
16
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 16 complaints
Keystone Credit Services LLC — Debt Collector Complaint Profile
CFPB complaint profile across 5 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Keystone Credit Services LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
8 complaints
- False statements or representation 3
False statements or representation
3 complaints
- Written notification about debt 3
Written notification about debt
3 complaints
- Communication tactics 1
Communication tactics
1 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
C
Grade C · 62.7/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Keystone Credit Services LLC?
Keystone Credit Services LLC has accumulated 16 total CFPB complaints across 5 states, with 0 filed in the most recent 12 months against 16 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
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 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 5 states, led by Pennsylvania with 12 and Missouri with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 62.7/100 places Keystone Credit Services LLC in grade band C, 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
Falling ↓
States active
5
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
C
62.7/100 composite
Response-quality profile
How Keystone Credit Services LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 8.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Keystone Credit Services LLC compare to its peers?
Keystone Credit Servic… 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)
2017-06 2024-09
Top Consumer Issues
Attempts to collect debt not owed8 (%)
False statements or representation3 (%)
Written notification about debt3 (%)
Communication tactics1 (%)
Took or threatened to take negative or legal action1 (%)
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 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
Where do complaints against Keystone Credit Services LLC come from?
The states where consumers have filed the most CFPB complaints against Keystone Credit Services LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Keystone Credit Services LLC
Across 5 states with at least one filing
- Pennsylvania
Pennsylvania
12 complaints
- Missouri 1
Missouri
1 complaints
- New Jersey 1
New Jersey
1 complaints
- Virginia 1
Virginia
1 complaints
- California 1
California
1 complaints
Frequently Asked Questions
What is the most common complaint against Keystone Credit Services LLC? ▼
The most common issue consumers report about Keystone Credit Services LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 16 complaints filed with the CFPB.
Are complaints against Keystone Credit Services LLC increasing or decreasing? ▼
Complaints against Keystone Credit Services LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is Keystone Credit Services LLC's reputation grade? ▼
Keystone Credit Services LLC has a reputation grade of C (score: 62.7/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Keystone Credit Services LLC respond to consumer complaints? ▼
Keystone Credit Services LLC has a 100% timely response rate to CFPB complaints.
In how many states does Keystone Credit Services LLC operate? ▼
Keystone Credit Services LLC has received CFPB complaints from consumers in 5 states, with the most complaints from Pennsylvania (12 complaints).
What can I do if Keystone Credit Services LLC 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 Services LLC 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 |