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Business Profile

Collections Agencies

Keystone Collections Group

Headquarters

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for Keystone Collections Group's headquarters and its corporate-owned locations. To view all corporate locations, see

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Keystone Collections Group has 5 locations, listed below.

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    Customer Complaints Summary

    • 223 total complaints in the last 3 years.
    • 65 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:09/20/2023

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I made a payment in the total of $722.47 for taxes owed in the month of August which left me at $0 balance owed.
      Keystone continues to garnish my wages and take out money that has already been paid to them. They have refused to fax a letter to my employer advising them of this release and insist they have mailed a letter which my employer states they have not received.
      At this point Keystone owes me an amount of $641 and i would like this refund and for them to stop touching my wages.

      Business Response

      Date: 09/26/2023

      Dear M** ******:

                  Thank
      you for contacting Keystone Collections Group (“Keystone”) regarding this
      complaint ID number. In her complaint, the complainant advised that Keystone garnished
      her and wages for delinquent local earned income taxes. The complainant further
      advised that her account has been satisfied by her payment made in August.
      Please know that I have thoroughly reviewed the complainant’s account.

      As a preliminary matter, Keystone serves as the Act
      32 Tax Officer for the Northampton County Tax Collection District and the local
      taxing bodies therein.  In this capacity,
      Keystone is tasked with the administration, collection, and reconciliation of
      local EIT for all communities within Northampton County that assess an EIT.

      The Local Tax Enabling
      Act (“LTEA”) requires all Pennsylvania resident
      taxpayers making earned income and/or net profits to file a local EIT return
      with their resident Tax Officer. 53 P.S. § 6924.502(c). It is important to note
      that local EIT, like all other income-based taxes, are self-reporting.  That is, it is the taxpayer’s legal
      obligation to file a tax return, report all income, and remit any outstanding
      tax, if necessary. Income taxes are not “billed” like real estate or certain
      nuisance taxes.

      Per my review of the complainant’s account, she did
      not file a tax return with Keystone for the 2020 tax year.  Pursuant to the information exchange mandate
      of the LTEA, Keystone is supplied with limited earnings information from the
      Pennsylvania Department of Revenue (“DOR”) used to identify unpaid or underpaid
      accounts. See 53 P.S. § 6924.509(g).

                  The
      LTEA authorizes the collection of delinquent local earned income taxes by wage
      garnishment. 53 P.S. §§ 6924.702 -703. As the complainant did not respond to a
      delinquent notice sent on March 3, 2023, Keystone sent the complainant a Notice of Intent to Garnish Wages on April 18, 2023 by Certified Mail and again on May 25, 2023 by First
      Class Mail. Receiving no response from the complainant, the wage garnishment was
      sent to her employer on July 13, 2023.

                  In
      response, the complainant contacted Keystone on August 15, 2023, and requested
      to pay her account in full. Accordingly, a Notice
      of Release was sent to the complainant’s employer on August
      24, 2023. The complainant’s employer did not release the garnishment, and the
      complainant contacted Keystone on September 8, 2023 and September 20, 2023 to
      request that my office fax a copy of the release to her employer. My office
      faxed a copy of the release to the complainant’s employer on September 20,
      2023.

                  Any
      monies received from the complainant’s employer will be refunded directly to
      the complainant.

      I appreciate the opportunity provided by the BBB to
      resolve the concerns of taxpayers and improve our processes.

      Thank you for your attention to this matter.

                                                                  Very
      truly yours,

                                                                  KEYSTONE
      COLLECTIONS GROUP

      By:
                                                                              Christopher
      E. Vincent
                                                                              General
      Counsel

      Customer Answer

      Date: 10/05/2023

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.


      I am owed an amount that totals $464.33 that was deducted from my pay checks in error. I expect the refund back of my own money. 



      Regards,



      ********* *****
    • Initial Complaint

      Date:09/15/2023

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      statement date 09-08-2023
      account ******* invoice ********* 
      I am writing this to have adjustment on my billing by removing penalties, interest and fines(fees) as I was unaware of this payment. I moved to Riverview, Florida and haven't received any mails . Finally when i receive it is with bunch of fines and penalties which is unfair. I wish to pay the original taxes i owe as I didn't receive any correspondence earlier. Please help me settle this. I also wrote to them via their portal.

      Business Response

      Date: 09/21/2023


      Dear M** ******:

                  Thank
      you for contacting Keystone Collections Group (“Keystone”) regarding this
      complaint ID number. In his complaint, the complainant advised that Keystone
      sent a notice requesting payment for delinquent local earned income taxes
      (“EIT”). The complainant further advised that he “moved and did not receive a
      bill.” Accordingly, the complainant disputes the imposition of statutory
      penalty, interest and collection costs. Nevertheless, he does not dispute the
      imposition of tax. Please know that I have thoroughly reviewed the
      complainant’s account.

      As a preliminary matter, Keystone serves as the Act
      32 Tax Officer for the Chester County Tax Collection District.  In this capacity, Keystone is tasked with the
      administration, collection, and reconciliation of local EIT for all communities
      within Chester County that assess an EIT. 

      The Local Tax Enabling
      Act (“LTEA”) requires all Pennsylvania resident
      taxpayers making earned income and/or net profits to file a local EIT return
      with their resident Tax Officer. 53 P.S. § 6924.502(c). It is important to note
      that local EIT, like all other income-based taxes, are self-reporting.  That is, it is the taxpayer’s legal
      obligation to file a tax return, report all income, and remit any outstanding
      tax, if necessary. Income taxes are not “billed” like real estate or certain
      nuisance taxes.

      Per my review of the complainant’s account, he has
      never filed a tax return with Keystone in accordance with his statutory
      obligation.  Pursuant to the information
      exchange mandate of the LTEA, Keystone is supplied with limited earnings
      information from the Pennsylvania Department of Revenue (“DOR”) used to
      identify unpaid or underpaid accounts. See 53 P.S. § 6924.509(g). The income
      figures listed on the complainant’s delinquent notice were taken directly from
      the earnings information supplied by the DOR, which represents figures the
      complainant listed on his PA 40 personal income tax return.  This matter concerns the complainant’s
      non-payment of local earned income taxes for tax years 2018, 2019 and 2020.

      Per my review, the complainant was issued initial
      delinquent notices on June 16, 2021 and October 7, 2021.  This notice advises taxpayers of their tax
      delinquency, and affords taxpayers with the opportunity to reconcile their
      account, without statutory penalty, for thirty (30) days.  Upon receipt of these notices, the
      complainant contacted Keystone to request waiver of the penalty, interest and
      collection costs on his account. His request was denied and the complainant
      failed to remit payment sufficient to satisfy his delinquent account.

       Please know
      that the penalty and interest assessed on this account are statutorily mandated
      and due to the taxing authorities when the tax is not paid when due. 53 P.S. §
      6924.509(i). Further, Keystone is authorized to assess collection costs
      pursuant to Act 192 of 2004, as ratified by the Chester County Tax Collection
      Committee. These added charges were assessed per statute. Finally, I note that
      the LTEA authorizes the collection of delinquent earned income taxes by wage
      garnishment. 53 P.S. §§ 6924.702-703. Keystone’s actions have been at all times
      in full compliance with state law. 

      I appreciate the opportunity provided by the BBB to
      resolve the concerns of taxpayers and improve our processes.

      Thank you for your attention to this matter.

                                                                  Very
      truly yours,

                                                                  KEYSTONE
      COLLECTIONS GROUP


      ***
                                                                              *********** ** *******
                                                                              ******* *******
    • Initial Complaint

      Date:09/06/2023

      Type:Service or Repair Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      This scam of a company will not let me speak to the people “processing” supposed late tax returns. I am a CPA and have filed my local returns for 2019 and 2020 but they are saying I didn’t even though they took my money originally when I paid it with my local return. Now when I submitted the paperwork to prove it, they sent me and updated bill but the amounts make absolutely no sense. And I can’t talk to anyone other than their customer service who have no idea what they are doing. They just say “no” when asked if I can email or talk to someone who is actually processing it so I can walk through it with them because clearly they are confused. Now they are trying to garnish my wages and this is extremely upsetting considering I’ve already filed and paid what I owe with the original return and now because they are incompetent they are taking my money. I just want this resolved and be able to talk to someone who is actually processing my file.

      Business Response

      Date: 09/13/2023

      Dear M*. ******:

                  Thank
      you for providing Keystone Collections Group (“Keystone”) with the
      above-referenced complaint.  In his
      complaint, the complainant alleged that Keystone attempted to garnish his wages
      for delinquent local earned income taxes. In disputing this course of action,
      the complainant advised that he filed tax returns and remitted payment, and
      that Keystone will not permit him to speak with a processor.  Please know that I have reviewed the
      complainant’s account. 

                  As
      a preliminary matter, Keystone serves as the Act 32 Tax Officer for the Chester
      County Tax Collection District.  In this
      capacity, Keystone is tasked with the administration, collection, and
      reconciliation of local earned income taxes for all communities within Chester County
      that assess an earned income tax.    The Local Tax Enabling Act (“LTEA”) requires
      all Pennsylvania resident taxpayers making earned income and/or net profits to
      file an annual local earned income tax return with their resident Tax Officer.
      53 P.S. § 6924.502(c).  It is important to note that local earned
      income taxes, like all other income-based taxes, are self-reporting.  However, unlike Federal and State income tax
      filings, local earned income tax returns must be filed directly with Keystone.

      Per my review of the complainant’s account,
      he did not file a tax return with Keystone or otherwise remit payment for the
      tax years at issue.   Pursuant to the
      information exchange mandate of the LTEA, Keystone is supplied with limited earnings
      information from the Pennsylvania Department of Revenue (“DOR”) used to
      identify unpaid or underpaid accounts. See 53 P.S. § 6924.509(g). Please note
      that the LTEA explicitly authorizes the collection of delinquent earned income
      taxes by wage garnishment.  53 P.S. §§
      6924.702-703. 

      Per my review the complainant was issued
      initial delinquent notices on October 7, 2021 and August 12, 2022 for the 2019
      and 2020 tax years, respectively.  A
      second delinquent notice for the 2019 tax year was sent on May 10, 2022.  Receiving no response from the complainant, a Notice of Intent to Garnish Wages was sent to the complainant via
      Certified Mail on April 20, 2023, and again by First Class Mail on May 30, 2023.
      As the complainant did not respond to these notices, a wage garnishment was
      issued to his employer on July 18, 2023.

                  In
      response, the complainant provided Keystone with the tax return packet supplied
      to him by his tax preparer. This packet contained his Federal and State tax
      returns, along with direct deposit information for payments made to the
      Internal Revenue Service, the Pennsylvania Department of Revenue and the State
      of Delaware. The packet contained unsigned and unfiled copies of 2019 and 2020
      local earned income tax returns. Each tax return reflected a balance due. Per
      Keystone’s review, these tax returns were never filed and payment was never
      received. As such, the complainant was issued a balance due notice.

                  However,
      upon review of this documentation, my office determined that the complainant
      resided in a different political subdivision for tax year 2020. This political
      subdivision is also within the Chester County Tax Collection District; however,
      the complainant’s account has been adjusted to reflect for the correct taxing
      authorities.

                  In
      further response, the complainant provided copies of bank statements purporting
      to evidence Keystone’s cashing of his and his spouse’s checks for their 2019
      and 2020 tax balances. I note that these bank statements simply reflect the
      check number and amount and do not reference the payee. Moreover, I have
      reviewed Keystone’s system and can confirm that Keystone has no record of such
      checks. The complainant was advised to supply copies, front and back, of these
      checks for my office to investigate.

                  Accordingly,
      there is not tax issue requiring explanation and adjustment. My office does not
      dispute the accuracy of the income and credits reflected on the complainant’s
      unfiled tax returns. This delinquency arose because neither the tax returns nor
      the payments were received. Upon receipt of any contrary documentation, my
      office will investigate and adjust accordingly.

      Thank you for
      providing Keystone with the opportunity to address the complainant’s concerns.

                                                                              Very
      truly yours,

                                                                              KEYSTONE
      COLLECTIONS GROUP



                                                                              By:
           Christopher *. V******
                                                                                          General
      Counsel
    • Initial Complaint

      Date:08/31/2023

      Type:Service or Repair Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Is this a spam? They have my tax filing detail along with the zip code of my residence but they send me an earned income tax delinquency notice of a school district 100s of miles away. They don’t pick the phone but require people to upload tax filing details on their private web site if one wishes to dispute.

      Business Response

      Date: 09/11/2023

      Dear Ms. ******:

                  Thank you for contacting Keystone Collections Group
      (“Keystone”) regarding this complaint ID number.  In their complaint, the complainant expresses
      concern about the legitimacy of Keystone Collections Group.
                  The Local
      Tax Enabling Act (“LTEA”)
      requires all Pennsylvania resident taxpayers making earned income and/or net
      profits to file a local EIT return with their resident Tax Officer. 53 P.S. §
      6924.502(c). It is important to note that local EIT, like all other
      income-based taxes, are self-reporting. 
      That is, it is the taxpayer’s legal obligation to file a tax return,
      report all income, and remit any outstanding tax, if necessary.  Keystone Collections Group serves as Tax
      Officer for 19 tax collection districts that are comprised of over 900 municipalities
      and school districts. 
      Pursuant to the information exchange mandate of the
      LTEA, Keystone is supplied with limited earnings information from the
      Pennsylvania Department of Revenue (“DOR”) used to identify unpaid or underpaid
      accounts. See 53 P.S. § 6924.509(g). Understanding that the information
      supplied by the DOR may be inaccurate, Keystone provides taxpayers with ample
      notice prior to the initiation of adverse legal or collection action. Through
      the LTEA, Tax Officers such as Keystone are vested with the right to request
      documentation to verify the accuracy of a tax return, or if no tax return was
      filed, to ascertain the amount of tax due. See 53 P.S. § 6924.509(f). 

      Keystone’s Taxpayer Service Line can be reached by
      dialing ***** ********.  Service agents
      are available Monday through Friday from 8:00am to 4:00pm EST.  Additionally, rather than waiting on hold,
      callers can choose to have their place in line held and receive a call from a
      Taxpayer Services Representative when it is their turn.  Furthermore, individuals can submit an
      electronic inquiry 24 hours a day, 7 days a week by visiting **************************************  Typically, responses are sent within three
      (3) business days.  Finally, Keystone
      does have a robust Frequently Asked Questions section on its website that can provide
      aid to many taxpayers.

      Thank you for the opportunity to address the
      complainant’s concerns:

                                                                  Very
      truly yours,

                                                                  KEYSTONE
      COLLECTIONS GROUP

                                                                  By:
                                                                              Christopher
      *. V******
                                                                              General
      Counsel            
    • Initial Complaint

      Date:08/31/2023

      Type:Billing Issues
      Status:
      ResolvedMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      My husband and I noticed that our wages were being garnished by this company from looking at our paystubs. When trying to contact them they have been extremely difficult to deal with they have hung up on us several times. When we finally got ahold of someone they said we owed taxes for 2019-2020 we were not living in Quakertown. We moved to quakertown February 14th 2020. Up until February I have never had a Quakertown Address. I also wasn’t even working those 2 years due to my mom being sick with cancer and passing away November 2019 and June 2020 we had our baby. I started working November of 2020 in quakertown. My husband sent everything over providing proof of this a month ago and it still has not been reviewed we have called several times and we keep getting hung up on. Is this even legal? We weren’t even provided any notices like they claim through mail regarding this. Otherwise we would have had this handled right away. You are garnishing $100 from my husband 4x a month and myself $129 2x a month that’s almost $660 you are taking for no reason at all. And you can’t even have the decency to contact us back. Also for the time we have been working and living here the taxes have been coming out automatically there is no reason for this.

      Business Response

      Date: 09/06/2023

      Dear *** ******:

                  Thank
      you for contacting Keystone Collections Group (“Keystone”) regarding this
      complaint ID number. In her complaint, the complainant advised that Keystone garnished
      her and her husband’s wages for delinquent local earned income taxes. The
      complainant further advised that she and her husband dispute that taxes are
      due. Please know that I have thoroughly reviewed the complainant’s account.

      As a preliminary matter, Keystone serves as the Act
      32 Tax Officer for the Bucks County Tax Collection District and the local
      taxing bodies therein.  In this capacity,
      Keystone is tasked with the administration, collection, and reconciliation of
      local EIT for all communities within Bedford County that assess an EIT.

      The Local Tax Enabling
      Act (“LTEA”) requires all Pennsylvania resident
      taxpayers making earned income and/or net profits to file a local EIT return
      with their resident Tax Officer. 53 P.S. § 6924.502(c). It is important to note
      that local EIT, like all other income-based taxes, are self-reporting.  That is, it is the taxpayer’s legal
      obligation to file a tax return, report all income, and remit any outstanding
      tax, if necessary. Income taxes are not “billed” like real estate or certain
      nuisance taxes.

      Per my review of the complainant’s account, neither
      she nor her husband filed a tax return with Keystone for the tax years at issue.  Pursuant to the information exchange mandate
      of the LTEA, Keystone is supplied with limited earnings information from the
      Pennsylvania Department of Revenue (“DOR”) used to identify unpaid or underpaid
      accounts. See 53 P.S. § 6924.509(g).

                  The
      LTEA authorizes the collection of delinquent local earned income taxes by wage
      garnishment. 53 P.S. §§ 6924.702 -703. As the complainant did not respond to
      delinquent notices sent on October 27, 2021 and September 1, 2022, Keystone
      sent the complainant and her spouse Notices of Intent
      to Garnish Wages on April 20, 2023 by Certified Mail and again on
      May 30, 2023 by First Class Mail. Receiving no response from the complainant or
      her husband, wage garnishments were sent to their employers on July 13, 2023.

                  In
      response, the complainant provided documentation to Keystone on August 7, 2023
      and August 10, 2023. Based upon a review of this documentation, the 2019 tax
      year was closed. However, the complainant’s spouse was underwithheld for tax
      year 2020. Specifically, his employer withheld his local earned income taxes at
      the rate of 1.0% while the taxing jurisdiction assesses tax at the rate of
      1.5%. Accordingly, a small delinquent balance remained. This balance was
      satisfied by garnishment payment issued by his employer.

                  Any
      monies received in excess of the complainant and her husband’s adjusted balance
      will be refunded directly to the complainant.

                  As
      you can see, the complainant and her spouse were afforded ample time to resolve
      this matter prior to wage garnishment. Keystone’s actions have been proper and
      in full compliance with Pennsylvania law.

      I appreciate the opportunity provided by the BBB to
      resolve the concerns of taxpayers and improve our processes.

      Thank you for your attention to this matter.

                                                                  Very
      truly yours,

                                                                  KEYSTONE
      COLLECTIONS GROUP


      By:
                                                                              Christopher
      *. V******
                                                                              General
      Counsel

      Customer Answer

      Date: 09/06/2023

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.



      *** ****** ** ** ******** **** ****** ** * ****** ** ***** **** ** **** **** **** ** *** ********



      Regards,



      ******** ********

      Business Response

      Date: 09/25/2023

      Dear M** ******:

                  Thank
      you for contacting Keystone Collections Group (“Keystone”) regarding this
      complaint ID number. In rejecting my office’s previous response, the
      complainant advised that she did not receive a refund of the $1,154.00
      garnished from her pay. Please know that I have reviewed this matter.

      The complainant and her spouse had an adjusted
      delinquent local earned income tax balance on their account because her spouse
      was withheld at a tax rate lower than his local earned income tax rate. The
      delinquent balance was satisfied by the wage garnishment, which was released on
      September 7, 2023.

                  As
      stated previously, any monies received in excess of the complainant and her
      husband’s adjusted balance will be refunded directly to the complainant. To
      date, the complainant has been issued one refund check, in the amount of
      $328.38. Additional a refund in the amount of $221.55 will be sent soon. There
      is unfortunately a delay in Keystone’s issuance of these refunds, as Keystone
      must first receive the funds from the employer. Nevertheless, the complainant’s
      account is closed and she and her spouse will be refunded any additional monies
      that are received.

      I appreciate the opportunity provided by the BBB to
      resolve the concerns of taxpayers and improve our processes.

      Thank you for your attention to this matter.

                                                                  Very
      truly yours,

                                                                  KEYSTONE
      COLLECTIONS GROUP


      By:
                                                                              Christopher
      *. V******
                                                                              General
      Counsel

      Customer Answer

      Date: 09/26/2023

      ** ******* ****** ** ******** **** ***** ********* **** ********** ** *** ********** *********  ** *** ***** *** *** ****** ** ****** ******* ****



      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 



      Regards,



      Samantha Williams
    • Initial Complaint

      Date:08/30/2023

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Keystone collection group phone number ************, P.O. Box 499, Irwin, PA keep sending
      demands to pay delinquent earned income tax despite the fact that all taxes were paid on time
      and all information and supportive documents were provided 3! times. I would like to resolve this
      problem with collectors because I do not have delinquent taxes and all information was
      provided. Regards ******* ******* , *** ***** *********** ******** *** *****.

      Business Response

      Date: 09/05/2023

      Dear *** ******:

                  Thank
      you for contacting Keystone Collections Group (“Keystone”) regarding this
      complaint. In his complaint, the complainant advised that Keystone issued him a
      delinquent local earned income tax notice, which he disputed. In support of his
      dispute, the complainant advised that “all taxes were paid.”   Please
      know that I have thoroughly reviewed the complainant’s account.

                  As
      a preliminary matter, Keystone serves as the duly appointed Act 32 Tax Officer
      for the Allegheny North Tax Collection District. In this capacity, Keystone is
      tasked with the administration, collection and reconciliation of local earned
      income taxes for all communities within the Tax Collection District (“TCD”)
      that assess an earned income tax.

      The Local Tax Enabling Act (“LTEA”) requires all Pennsylvania resident
      taxpayers making earned income and/or net profits to file an annual local
      earned income tax return with their resident Tax Officer. 53 P.S. §
      6924.502(c). It is important to note that local earned income taxes, like all
      other income-based taxes, are self-reporting. That is, it is the taxpayer’s
      legal obligation to file a tax return, report all income, and remit any
      outstanding tax, if necessary.

      Per
      my review of the complainant’s account, he was issued a delinquent tax notice
      for tax years 2016 – 2019. Further, the complainant did not file tax returns
      with Keystone for the 2016, 2018 or 2019 tax years. For the 2017 tax year, the
      complainant and his spouse electronically filed their local earned income tax
      return with Keystone, but the complainant did not report any taxable income.

      Pursuant to the information exchange mandate of the Local Tax Enabling Act (“LTEA”), Keystone is supplied with limited
      earnings information from the Pennsylvania Department of Revenue (“DOR”) used
      to identify unpaid or underpaid accounts. See 53 P.S. § 6924.509(g). This
      information reflected that the complainant and his spouse both reported taxable
      income as residents of the TCD for tax years 2016 – 2019. Accordingly, the
      complainant was issued a delinquent tax notice.

      In response, the complainant supplied documentation
      in support of his assertion that his spouse resided in the TCD, but that he
      resided “in Allentown.” The complainant supplied W-2s evidencing employer
      withholding.

      Based upon the documentation supplied by the
      complainant, his account has been closed. However, please know that earned
      income taxes are assessed based upon where a taxpayer is domiciled, not
      necessarily where they physically reside. The LTEA provides that a taxpayer’s
      domicile is their “fixed place of abode, which in the intention of the
      taxpayer, is permanent rather than transitory.” 53 P.S. § 6924.501. The
      complainant’s maintenance of a marriage with his spouse and joint filing of a
      PA-40 with her as residents of Allegheny County, rather than Lehigh County,
      indicates their manifestation that the TCD is their domicile for the tax years
      at issue. It appears that the complainant’s local earned income tax filing
      requirement for these years should be with Keystone as a resident of the TCD.

      Nevertheless, the complainant’s tax liability was
      satisfied by employer withholding and his 
      account has been closed. My office therefore considers this matter
      resolved. I appreciate the opportunity provided by the BBB to resolve the
      concerns of taxpayers and improve our processes.

      Thank you
      for your attention to this matter.

                                                                              Very
      truly yours,

                                                                              KEYSTONE
      COLLECTIONS GROUP

                                                                              By:
                                                                                          Christopher
      *. V******
                                                                                          General
      Counsel
    • Initial Complaint

      Date:08/30/2023

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Keystone Collections keeps over charging me in taxes I have overpaid, and paid this taxes about two times and they keep taking money out of my checks.

      Business Response

      Date: 09/05/2023

      Dear **. ******:

      Thank you for contacted Keystone Collections Group
      (“Keystone”) regarding this complaint ID number. In her complaint, the complainant
      advised that Keystone garnished her wages for taxes which she has overpaid. Please
      know that I have thoroughly reviewed the complainant’s account.

                  Per
      my review, this matter concerns wage garnishment for delinquent Harrisburg
      School District occupation taxes. The School District,
      pursuant to the Local Tax Enabling Act (“LTEA”) and Pennsylvania Public School
      Code, assesses an occupation tax on all employed residents of the School
      District. The tax is a flat tax of $120.00 assessed annually.

      The complainant was issued 2021 and 2022 occupation
      tax bills on July 1, 2021 and July 1, 2022, respectively. The complainant did
      not remit payment in response and was issued three (3) delinquent notices on
      January 20, 2022, May 19, 2022 and January 27, 2023. The complainant did not
      respond to any of these notices.

      Please be advised that the LTEA
      permits the collection of delinquent occupation taxes by wage garnishment. 53
      P.S. §§ 6924.702-703. Accordingly, the complainant was issued a Notice of Intent to Garnish Wages on
      March 22, 2023, by Certified Mail and May 24, 2023, by First Class Mail. As the
      complainant did not reconcile her account in response to these notices, a wage
      garnishment was sent to her employer on June 28, 2023.

      The complainant’s employer
      satisfied her delinquent taxes through the wage garnishment. However, her
      employer has remitted more funds than the complainant owes. Accordingly, the
      complainant will be refunded the amount remitted above the garnishment amount.
      Any further garnishment payments will be refunded directly to the complainant.
      A release of the garnishment was sent to the complainant’s employer on August
      23, 2023.

      Accordingly, the complainant was
      afforded ample opportunity to satisfy her account prior to wage garnishment.
      Her employer has garnishment more funds than reflected on the notice issued to
      them. Nevertheless, all excess funds will be returned to the complainant.
      Keystone’s actions have at all times been proper in handling the complainant’s
      occupation tax account.

      I appreciate the opportunity
      provided by the BBB to resolve the concerns of taxpayers and improve our
      processes.

      Thank you
      for your attention to this matter.

                                                                              Very
      truly yours,

                                                                              KEYSTONE
      COLLECTIONS GROUP

                                                                              By:
                                                                                          Christopher
      *. V******
                                                                                          General
      Counsel
    • Initial Complaint

      Date:08/18/2023

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Keystone Collections Group sent me a Delinquent Earned Income Tax Notice for 2021. The tax liability itself is $249.51. The total charge for being delinquent is $320.11. I moved to PA from MD and was unaware (my state and federal taxes had been paid). We also have paid other required taxes for the area (street light, school).

      Here is the issue - I was given ZERO notice of issue until the delinquent notice arrived. It was the first attempt of contact by Keystone Collections Group to me. I was unable to log into their website to enter 2022 tax information and pay (once I had become aware that there is a liberty township tax separate from Federal, State, School and Street light taxes...) . I run my own small, and I mean very small business so monies had not been withheld by me because I did not even know this tax existed. I'm not arguing that I owe. I do owe.

      I am arguing the unfair fees for being delinquent in filing for something that I did not know even existed. I am also arguing the fact that Keystone Collections Group will initiate late charges and attempt interest collection for a tax that was not even known to be owed all while not having the relevant information for a tax payer to even log in to their system and pay!


      In summary - I was told I am delinquent and only offered the ability to pay late fees and taxes (from 2021), while NOT being able to play current tax filings from 2022. This is borderline criminal and I see why Keystone Collections Group was rejected at the State level by the IRS.

      I have since called in and have been told I'll be able to log in and file my 2022 taxes within a 24 hour period - (call made today - 08/18/2023) and that they will not walk back in delinquent notice fees or interest.

      "We didn't know you needed to be in our system" I was told, while being told to pay monies...

      Business Response

      Date: 08/28/2023

      Dear M*. ******:

                  Thank
      you for contacting Keystone Collections Group (“Keystone”) regarding this
      complaint ID number. In his complaint, the complainant advised that Keystone
      sent a notice requesting payment for delinquent local earned income taxes
      (“EIT”). The complainant further advised that he was not aware of this tax.
      Nevertheless, he does not dispute the imposition of tax. Please know that I
      have thoroughly reviewed the complainant’s account.

      As a preliminary matter, Keystone serves as the Act
      32 Tax Officer for the Bedford County Tax Collection District and the local
      taxing bodies therein.  In this capacity,
      Keystone is tasked with the administration, collection, and reconciliation of
      local EIT for all communities within Bedford County that assess an EIT. 

      The Local Tax Enabling
      Act (“LTEA”) requires all Pennsylvania resident
      taxpayers making earned income and/or net profits to file a local EIT return
      with their resident Tax Officer. 53 P.S. § 6924.502(c). It is important to note
      that local EIT, like all other income-based taxes, are self-reporting.  That is, it is the taxpayer’s legal
      obligation to file a tax return, report all income, and remit any outstanding
      tax, if necessary. Income taxes are not “billed” like real estate or certain
      nuisance taxes.

      Per my review of the complainant’s account, he did
      not file a tax return with Keystone for tax year 2021.  Pursuant to the information exchange mandate
      of the LTEA, Keystone is supplied with limited earnings information from the
      Pennsylvania Department of Revenue (“DOR”) used to identify unpaid or underpaid
      accounts. See 53 P.S. § 6924.509(g). The income figures listed on the
      complainant’s delinquent notice were taken directly from the earnings
      information supplied by the DOR, which represents figures the complainant
      listed on his PA 40 personal income tax return. 
      There is unfortunately an unavoidable delay associated with the DOR’s
      provision of income tax data.

      Understanding that the information supplied by the
      DOR may be inaccurate, Keystone provides taxpayers with ample notice prior to
      the initiation of adverse legal or collection action. Through the LTEA, Tax
      Officers such as Keystone are vested with the right to request documentation to
      verify the accuracy of a tax return, or if no tax return was filed, to
      ascertain the amount of tax due. See 53 P.S. § 6924.509(f).  

      Per my review, the complainant was issued an
      initial delinquent notice on August 3, 2023. 
      This notice advises taxpayers of their tax delinquency, and affords
      taxpayers with the opportunity to reconcile their account, without statutory
      penalty, for thirty (30) days.  Upon
      receipt of this notice, the complainant contacted my office, and stated that he
      believed he filed his taxes through TurboTax. 
      Please know that third-party tax preparation services such as TurboTax
      do not prepare or file local earned income tax returns in Pennsylvania. Local
      earned income tax returns are required to be filed by the taxpayer directly
      with their resident tax officer. 53 P.S. § 6924.502(c).

      The complainant may remit payment in full prior to
      the thirty (30) days’ expiration to avoid the imposition of statutory penalty.
      Alternatively, if the complainant disputes the tax, he may supply documentation
      evidencing that the tax is not due.

       However,
      please know that the penalty and interest assessed on this account are
      statutorily mandated and due to the taxing authorities when the tax is not paid
      when due. 53 P.S. § 6924.509(i). Further, Keystone is authorized to assess
      collection costs pursuant to Act 192 of 2004, as ratified by the Bedford County
      Tax Collection Committee. These added charges were assessed per statute; accordingly,
      they are not “borderline criminal” as alleged by the complainant. Keystone’s
      actions have been at all times in full compliance with state law. 

      I appreciate the opportunity provided by the BBB to
      resolve the concerns of taxpayers and improve our processes.

      Thank you for your attention to this matter.

                                                                  Very
      truly yours,

                                                                  KEYSTONE
      COLLECTIONS GROUP


      By:
                                                                              Christopher
      *. V******
                                                                              General
      Counsel

      Customer Answer

      Date: 08/28/2023

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.



      "The Local Tax Enabling Act (“LTEA”) requires all Pennsylvania resident taxpayers making earned income and/or net profits to file a local EIT return with their resident Tax Officer. 53 P.S. § 6924.502(c). It is important to note that local EIT, like all other income-based taxes, are self-reporting.  That is, it is the taxpayer’s legal obligation to file a tax return, report all income, and remit any outstanding tax, if necessary. Income taxes are not “billed” like real estate or certain nuisance taxes."

       -- Response -- While the above statement is correct - this Act assumes that the tax payer knew.  I did not know.  It seems MANY other persons that come into contact with Keystone Collections Group also only found out once they've received a delinquent notice.  If you send a notice of delinquent payment - that is a form of bill.

      "Per my review, the complainant was issued an initial delinquent notice on August 3, 2023.  This notice advises taxpayers of their tax delinquency, and affords taxpayers with the opportunity to reconcile their account, without statutory penalty, for thirty (30) days."," However, please know that the penalty and interest assessed on this account are statutorily mandated and due to the taxing authorities when the tax is not paid when due. 53 P.S. § 6924.509(i). Further, Keystone is authorized to assess collection costs pursuant to Act 192 of 2004, as ratified by the Bedford County Tax Collection Committee. These added charges were assessed per statute; accordingly, they are not “borderline criminal” as alleged by the complainant. Keystone’s actions have been at all times in full compliance with state law. "

      -- Response -- I was issued a delinquent notice on the above date, no warning prior action notice supplied and it was assumed I would be born with the knowledge of owing these taxes.  I actually still do consider this criminal in nature - you've got a company tasked with local tax collection that is not even recognized by the IRS, that is also a delinquent collection agency.  This appears to be a conflict of interest as to WHY the would let you fall delinquent without proper notification.

      In short - and this is my message to the BBB about this situation - I'm in no way seeking any type of compensation - this company needs to be on your radar.  They did not advise me of the taxes prior to me being delinquent and get to charge not only statutory interest (without a statutory penalty) but also get to harvest the Act 192 costs of $60.00 all because the Bedford County Tax Collection Committee deemed this is acceptable.  Its unacceptable. 


      Regards,



      **** ***********

    • Initial Complaint

      Date:08/16/2023

      Type:Billing Issues
      Status:
      ResolvedMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      My name is ******* ******. I am writing in regards to the wage garnishment that was granted against me on 07/28/2023. Funds has been taking out of my paycheck. The first letter I ever received was to my current address in a whole different state. I received the letter and I also got a email from my HR dept on the same day.

      That letter was the first letter I received and this was sent to my current address. I never received anything for this prior to July 2023. I have uploaded all the document from 2014-2020 for earned income taxes in Darby Borough in PA. All of these companies are located in Philadelphia and worked in Philadelphia. As per the document attached. It’s clear on the forms that I paid Philadelphia tax.
      ****** ** – ************ ****** – Philadelphia
      My current job is **** * ******* – Philadelphia 2020 and prior. The Philadelphia office closed in 2020 and head Quarters is now in NJ. I moved from Pennsylvania, hence the reason I am just now getting this.
      The reason for my objection is that I literally worked in Philadelphia. I am currently living paycheck to paycheck after funeral expenses November 2022. I simply cannot afford a wage garnishment and still survive and take of my children and mortgage. The garnishment has already started and I would like to know if it could be delayed until the documents I’ve provided is researched?
      Delaying the wage garnishment while this is being researched and corrected would allow me to be more able to pay back ‘Debt Collection Agency’ and will stop me from needing to file bankruptcy. I am literally financially tied down.
      I appreciate your thoughtful time and consideration.

      Business Response

      Date: 08/21/2023

      Dear M*. ******:

                  Thank
      you for contacting Keystone Collections Group (“Keystone”) regarding this
      complaint ID number. In her complaint, the complainant advised that Keystone
      garnished her wages to recover payment for delinquent local earned income taxes
      (“EIT”). The complainant further advised that she does not owe the taxes based
      upon Philadelphia credits and residency. Please know that I have thoroughly
      reviewed the complainant’s account.

      As a preliminary matter, Keystone serves as the Act
      32 Tax Officer for the Delaware County Tax Collection District and the local
      taxing bodies therein.  In this capacity,
      Keystone is tasked with the administration, collection, and reconciliation of
      local EIT for all communities within Delaware County that assess an EIT. 

      The Local Tax Enabling
      Act (“LTEA”) requires all Pennsylvania resident
      taxpayers making earned income and/or net profits to file a local EIT return
      with their resident Tax Officer. 53 P.S. § 6924.502(c). It is important to note
      that local EIT, like all other income-based taxes, are self-reporting.  That is, it is the taxpayer’s legal
      obligation to file a tax return, report all income, and remit any outstanding
      tax, if necessary. 

      Per my review of the complainant’s account, she has
      never filed a tax return with Keystone. 
      Pursuant to the information exchange mandate of the LTEA, Keystone is
      supplied with limited earnings information from the Pennsylvania Department of
      Revenue (“DOR”) used to identify unpaid or underpaid accounts. See 53 P.S. §
      6924.509(g). The income figures listed on the complainant’s delinquent notices
      were taken directly from the earnings information supplied by the DOR, which
      represents figures the complainant listed on her PA 40 personal income tax
      returns. 

      Understanding that the information supplied by the
      DOR may be inaccurate, Keystone provides taxpayers with ample notice prior to
      the initiation of adverse legal or collection action. Through the LTEA, Tax
      Officers such as Keystone are vested with the right to request documentation to
      verify the accuracy of a tax return, or if no tax return was filed, to
      ascertain the amount of tax due. See 53 P.S. § 6924.509(f).  The LTEA explicitly authorizes the collection
      of delinquent EIT by wage garnishment. 
      53 P.S. §§ 6924.702-703. 

      Further, the complainant was issued initial
      delinquent notices on June 1, 2020, November 10, 2021, and September 16, 2022,
      for each tax year, respectively.  These
      notices were not returned as undeliverable. 
      Additionally, a Notice of Intent
      to Garnish Wages was sent on May 4, 2023, via certified mail.  No documents were sent in, and no payments
      were remitted, therefore, my office proceeded with garnishment. 

      Following garnishment, the complaint reached out to
      my office. In the complainant’s correspondence with Keystone, the complainant
      was advised to provide documentation indicating that she did not live in the
      tax district during the tax year or that she had Philadelphia tax credits. The
      complainant provided documentation to my office for review.  Upon review, my office determined credits for
      tax years 2016 and 2017.  These tax years
      are now satisfied.  To satisfy tax years
      2014, 2015, 2019, and 2020, complainant will have to upload further documentation
      for those tax years (W-2s, or paystubs, showing local withholdings).    Upon
      receipt, my office will review and, if necessary, cease garnishment and provide
      a refund. 

      I appreciate the opportunity provided by the BBB to
      resolve the concerns of taxpayers and improve our processes.

      Thank you for your attention to this matter.

                                                                  Very
      truly yours,

                                                                  KEYSTONE
      COLLECTIONS GROUP


      By:
                                                                              Christopher
      *. V******
                                                                              General
      Counsel

      Customer Answer

      Date: 08/21/2023

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

      Per the response from Keystone "to satisfy tax years 2014, 2015, 2019, and 2020, complainant will have to upload further documentation for those tax years (W-2s, or paystubs, showing local withholdings). Upon receipt, my office will review and, if necessary, cease garnishment and provide a refund" I provided these documents directly to them in the original response.  Please note that even in there written response that a certified letter was sent to the previous address. However they received my current and correct address perhaps they should have used the same source. I received the letter in the mail and the letter from HR the same day. I never received anything regarding this prior to now. I have worked in the city of Philadelphia since 2012 up until 2021. Per Keystone letter and website if a person worked in Philadelphia they would be excluded from those borough taxes.  I've included paystubs as well to show proof that box 20 is selected and shows I paid Philadelphia taxes.  The reason for my objection is that I literally worked in Philadelphia. I am currently living paycheck to paycheck after funeral expenses November 2022. I simply cannot afford a wage garnishment and still survive and take of my children and mortgage. The garnishment has already started and I would like to know if it could be delayed until the documents I’ve provided is researched? 
      Delaying the wage garnishment would allow me to be more able to pay back ‘Debt Collection Agency’ and will stop me from needing to file bankruptcy. I am literally financially tied down. 
      I appreciate your thoughtful time and consideration.
      Sincerely, 
      ******* ****** 






      Regards,



      Tiffany Bailey

      Business Response

      Date: 08/30/2023

      Dear M*. ******:

      The complainant has provided my office with the documents necessary to resolve her wage garnishment.  My office has issued a release of the garnishment to her employer and will refund any funds that may be received because of the garnishment.

      Thank you for the opportunity to address the complainant's concerns.

      Very truly yours,

      KEYSTONE COLLECTIONS GROUP

      By:

         Christopher *. V******

         General Counsel

      Customer Answer

      Date: 08/30/2023

      ** ******* ****** ** ******** **** ***** ********* **** ********** ** *** ********** *********  ** *** ***** *** *** ****** ** ****** ******* ****



      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 



      Regards,



      ******* ******
    • Initial Complaint

      Date:08/14/2023

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Filed local tax return on 4-16-23 and paid $185.13 via VISA card. After filing, I realized my employer didn't send me the correct W-2. I called Keystone to see how much was collected and it was over $600.00. After my employer sent me my corrected W-2, I refiled my Local Earned Income Tax return showing that I only owed $1.00. I movernighted the Amended Form on 4-29-23 and attached a note stating that I overpaid by 184.73. Tracking via USPS showed that it delivered on May 2nd. On 5-11-23 I called to make sure the ameneded return was received. I was told it wasn't. I asked how long that would take to get it into my file. Rep says "no time frame". I called back on 5-22-23. I was on hold so long thaty I had to hang up. I called back on 5-26-23 and was told it was in my file and to allow 60-90 days. Today, 8-14-23.I called back and was told by Barb, that she doesn't see that I am owed a refund because my Amended Return doesn't show refund. Comparing the Amended Return to the original return shows that I am due a refund., I am now advised that I have to resubmit showing a refund being requested. The Amended Return is to show what I paid and the payment I made when I submitted my orginal return. To further confuse the situation, the are charging me $3.20 in pentalites saying I filed late. I filed a day before the due date electronically. They aren't showing the full amount taken out of my paychecks as shown on my W-2 plus my payment on 4-16-23. This place is a mess and they are quick to take your money but not return it.

      Business Response

      Date: 08/25/2023

      Dear *** ******:

                  Thank
      you for contacting Keystone Collections Group (“Keystone”) regarding this
      complaint ID number. In her complaint, the complainant advised that she filed a
      local earned income tax return with Keystone based upon a W-2 inaccurately
      issued by her employer. As a result, the complainant’s tax return did not
      reflect all of her local earned income tax withholdings, resulting in a balance
      due. As a result, she remitted payment based on that return. Subsequently, the
      complainant’s employer issued her a corrected W-2, and the complainant filed an
      amended local tax return accordingly.  In
      her complaint, the complainant advised that Keystone has not refunded her the
      monies remitted with her originally filed tax return. Please know that I have
      thoroughly reviewed the complainant’s account.              

      Per
      my review of the complainant’s account, the complainant’s amended return lists
      local earned income tax withholdings satisfying her liability. That is, the
      amended return does not reflect monies the complainant previously remitted with
      her originally filed tax return. The complainant did not request a refund on
      her amended return; rather, the return lists a de minimis balance due (in
      the amount of $1.00) to Keystone. Accordingly, no refund has been issued to the
      complainant.

      The
      complainant has been in communication with my office and has been instructed to
      further amend her tax return, including a refund request based upon payment she
      previously remitted.  A written refund
      request is necessary for proper account reconciliation. The complainant advised
      that she would be faxing the return to my office on August 15, 2023, per the
      memorandum on her account.  Once this is
      completed, Keystone will review the return, and provide a refund if
      necessary. 

      I appreciate the opportunity provided by the BBB to
      resolve the concerns of taxpayers and improve our processes.

      Thank you
      for your attention to this matter.

                                                                              Very
      truly yours,
                                                                             KEYSTONE COLLECTIONS GROUP

                                                                              By:     
                                                                                          Christopher *. V******
                                                                                          General
      Counsel

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