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Business Profile

Credit Services

Keystone Credit Services

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Services.

Complaints

Customer Complaints Summary

  • 2 total complaints in the last 3 years.
  • 0 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:07/17/2023

    Type:Billing Issues
    Status:
    Answered
    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.
    You are reporting inaccurate and unverifiable information on my credit report. I have requested a full discloser of this debt. I have not received my original contract, sign contract or any information about this debt. By law after 30 days this contract is not mine. Cease and desist all reporting of this account asap. You have not proven that this account is Mine. It has been 45 days and this contract is not mine. Stop calling me and harassing about a debt that is not mine. Stop calling me after 9pm when i told you not too. You are violating my rights has a human being. Cease and desist all reporting of this debt asap. This is not my debt and needs to be delete asap. Delete keystone credit services collection asap. You are hereby put on notice that you are reporting an account that is not mine. Delete this account asap.

    Business Response

    Date: 07/20/2023

    Good afternoon ***************  The consumer's claims are false.  After speaking with the consumer on 6/7/22, we discussed her dispute with our client who verified the credit card charges are hers and due.  She claimed to be in prison when the charges were made and according to our client, she may have given the credit card to someone prior to being incarcerated.  She had 60 days to dispute the original charges but did not do so.  On 6/7/22 we updated the dispute to reflect on her credit report. On 6/17/22 we mailed her the signed application and statement.  Please see the attached documents. Further, we have never called the consumer after 9pm and have made no calls since 6/7/22.

  • Initial Complaint

    Date:02/15/2023

    Type:Billing Issues
    Status:
    Answered
    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.
    Request for VALIDATION, NOT Verification 12/25/2022 Fail to validated delete account for violation *************************** ****** ********************************************************* KEYSTONE CREDIT SERVICE ***************************************************************** Account # ****** To Whom It May ************ letter is being sent to you due to your erroneous reporting to the Credit Bureau{s}, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC ****g Sec. 809 {b} that your claim is disputed, and validation is requested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.Please provide me with the following:What the money you say I owe is for:Explain and show me how you calculated what you say I owe:Provide me with copies of any papers that show I agreed to pay what you say I owe:Provide a verification or copy of any judgment if applicable:Identify the original creditor:Prove the Statute of Limitations has not expired on this account:Show me you are licensed to collect in my state:Provide me with your license numbers and Registered Agent or Agent of Service:If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.Sincerely,*************************** ******

    Business Response

    Date: 02/22/2023

    We are in receipt of the above complaint.  This is far from the first robo dispute letter we have received on this account.  Please see the attached CFPB complaint from 2/16/23 and our response to it at on page 4 of the first file, as well as the documentation uploads.  

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