CFPB Consumer Complaint Profile
Keystone Credit Services LLC
What 22 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 22
- Total complaints
- Mid-range
- 0
- Last 12 months
- 100%
- Timely response
- Top decile
- 8
- States affected
The verdict
22 CFPB complaints put Keystone Credit Services LLC at #2732 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #2732
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Debt collection
- most-complained product
- 8
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Keystone Credit Services LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2017 | 2 |
| 2020 | 2 |
| 2021 | 1 |
| 2022 | 7 |
| 2023 | 3 |
| 2024 | 7 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Keystone Credit Services LLC
22 complaints against Keystone Credit Services LLC appear in the CFPB record, including 0 from the trailing year. The 8 states and territories represented put this footprint in geographically concentrated territory. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Keystone Credit Services LLC posts a 100% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Among resolved complaints, the consumer-relief closure rate is 0%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Keystone Credit Services LLC have?
Keystone Credit Services LLC has 22 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Keystone Credit Services LLC respond to complaints on time?
CFPB complaints against Keystone Credit Services LLC draw a 100% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for Keystone Credit Services LLC?
"Debt collection" draws more CFPB complaints against Keystone Credit Services LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Keystone Credit Services LLC?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Keystone Credit Services LLC; the full issue list with counts is above.
How do I file a complaint against Keystone Credit Services LLC?
You can file a complaint against Keystone Credit Services LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Keystone Credit Services LLC?
The CFPB has recorded complaints against Keystone Credit Services LLC from 8 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Keystone Credit Services LLC have?
Keystone Credit Services LLC has 22 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Keystone Credit Services LLC respond to complaints on time?
CFPB complaints against Keystone Credit Services LLC draw a 100% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for Keystone Credit Services LLC?
"Debt collection" draws more CFPB complaints against Keystone Credit Services LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Keystone Credit Services LLC?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Keystone Credit Services LLC; the full issue list with counts is above.
How do I file a complaint against Keystone Credit Services LLC?
You can file a complaint against Keystone Credit Services LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Keystone Credit Services LLC?
The CFPB has recorded complaints against Keystone Credit Services LLC from 8 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.