KeyStone Financial ,LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
11/17/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • SC
  • 29301
Web
Before I was laid off I was paying debt to Keystone financial and once I was sent home several days a week so my checks were short then I was laid off my job I told them every step of the way. I've been laid off since XX/XX/2021. I just really started getting my unemployment and I have to budget that for lights, rent, gas, phone, food, and car insurance. I've tried to work with them and on Friday XX/XX/2021 I was called and I was at a wedding and when the wedding was over I really forgot about the call. On Sunday after church I had a voicemail from XXXX and the message was from Saturday XX/XX/2021 and on the message he told me that he thinks I'm dodging him and that he is coming to take my car! The number he called me from on Saturday I didn't answer because it was a number I didn't recognize from Maryland and come to find out when I checked voicemail it was XXXX 's personal phone and he called me on Saturday when the office isn't even open. When I applied for the loan I didn't realize the interest amount and they paid off a title loan for me and now they say I'm in debited to them for {$8100.00} off of a {$2000.00} dollar title loan. I'll never be able to pay this off and I'm afraid he's gon na come and take my car. I'm wandering how am I suppose to live if I give them all the money I'm getting for unemployment. I really hope that you can help me with the situation at hand. Thank you
03/26/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • SC
  • 29617
Web
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.
08/14/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • SC
  • 29617
Web
XX/XX/2022 Keystone Financial sent an email have claimed that they have a judgement against me without proper service of a lawsuit. They 15 USC 1692i ( b ) states nothing shall be construed to authorize the bringing of legal actions by debt collectors. 15 USC 1692g9 ( c ) The failure of a consumer to dispute the validity of a debt may not be construed by ANY court as admission of liability by the consumer. They have threatened to " execute '' judgement without proof. Specifically stated if I file another complaint that they I would be sued personally. This is extortion and extortion which are violations of 18 USC 894a ( 2 ) and 18 USC 873. If they continue to insist that they are loaned me any " money '' then they are admitting to using United States or bank notes as collateral which is a violation of 12 USC 582 NO banking association SHALL RECEIVE United States notes or national bank notes as security or as collateral security for any loan of money. All Rights Reserved UCC 1-308
05/04/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with cash advance
  • SC
  • 297XX
Web
I received a live check from Keystone Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX and took the check to get cashed and they caajed it a few days later they called the check was returned to the place that had cashed it and said that within the time I received the check and between cashing the check my XXXX score had dropped that I wasn't supposed to have cashed it then a few days went by and now they are telling the place that cashed the check for me to call the police and report me to bring charges against me for cashing the check they refused to cash it for the place that cashed for me and therefor they have dishonored their contract thank you XXXX XXXX
06/16/2022 Yes
  • Debt collection
  • Payday loan debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • SC
  • 29617
Web