Debt collection -- Communication tactics -- Complaint #5371522
Complaint Overview
Complaint ID: 5371522
Company: Keystone Financial ,LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Communication tactics
Sub-Issue: Used obscene, profane, or other abusive language
State: South Carolina
ZIP Code: 29617
Date Received: 2022-03-26T12:00:00-05:00
Date Sent to Company: 2022-03-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I sent a debt collector company Keystone Financial a validation letter dated XX/XX/2022 wanting more information regarding the alleged debt that I supposedly owe them. A person by the name of the name of XXXX XXXX XXXX responded using obscene and profane language as well abusive threats saying that " I am past due '' and that " they are going to report to the credit bureau ''. These are violations to me as a consumer and also included is a copy of a contract which has no signatures from either party. The debt collector also has me listed as a " borrower '' for a " loan '' under the Truth in Lending disclosure which constitutes false and misleading information. Truth in Lending does not define a borrower, loan, or debt. The debt collector also did not provide the required disclosures they never provided a right of rescission disclosure, or the any disclosure that giving me the option to have my information reported to any third party and the consumer reporting agencies. This company is willfully violating my rights as a consumer under Federal law.
Frequently Asked Questions
What is Complaint #5371522 about?
Complaint #5371522 was filed against Keystone Financial ,LLC regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2022-03-26T12:00:00-05:00.
How did Keystone Financial ,LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Keystone Financial ,LLC?
Yes, visit the Keystone Financial ,LLC company profile at readthecomplaint.com/company/keystone-financial-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.