Keystone Credit Services LLC – CFPB Complaint

Date Received: 2017-06-05T00:00:00

Product: Other debt

Issue: False statements or representation

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: The original debt took place on XX/XX/XXXX ( that was the date of the last invoice that I never did receive ) The last amount owed on XX/XX/XXXX was {$880.00} From XX/XX/XXXX to XX/XX/XXXX , I received no communication with original debtor on amount owed. After almost six years I had the {$880.00} amount show up on my credit tracker as a debt in collections, by a second party, original creditor sent to collections to Keystone Collection Agency. I tried disputing the charge on XXXX but with no luck. Now one year after it being on my credit I received a letter stating that ” for complete credit removal ” pay the amount above. The amount disclosed in the letter I received today XX/XX/XXXX is for {$1700.00}. In my original agreement with the first creditor does state that ” Accounts over 60 days past due will be charged finance fees of 18 % per year ”. Well since he took over five years to even send a bill, the first 18 % interest charge would be due now. However, {$880.00} x 18 % = {$150.00}. I am very confused to where the difference of {$700.00} comes in. That is a very large amount of money to try and get payment for with no source of to why it is owed. I am attaching my original debtors invoice, along with the letter I received today.

Company: Keystone Credit Services LLC

State/Zip: PA 170XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2637505

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