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Keystone Credit Sharing of Debt Information Pennsylvania FDCPA Class Action

The Fair Debt Collection Practices Act (FDCPA) limits the people with whom a debt collector may communicate about a consumer debt. This class action brings suit against Keystone Credit Services, LLC, claiming that it uses third-party mail vendors to send out debt collection letters, and that the communication of debt information that must appear in the letters violates the FDCPA.

The class for this action is all persons (1) with a Pennsylvania address (2) to which Keystone sent, or caused to be sent, a debt collection communication (3) in connection with a consumer debt (4) that was printed or mailed by a third-party vendor, (5) where Keystone gave the vendor information in the mailed communication, between October 1, 2020 and the date of the certification of the class in this case.

The FDCPA says that, with a few exceptions, “a debt collector may not communicate, in connection with the collection of a debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.”

The law even has a provision for how debt collectors can communicate “with any person other than the consumer for the purpose of acquiring location information.”

Debt collectors must provide letter vendors with information such as the consumer’s name and address, the creditor to whom the debt is owed, the name of the original creditor, and the amount of the debt. “Upon information and belief,” the complaint claims, Keystone “routinely communicates with third-party vendors … to provide them protected information regarding consumer debts that those vendors are not authorized to receive…”

Keystone sent a letter dated October 8, 2020 to the plaintiff in this case, Paulette Barclift, about a debt she allegedly owed. The letter contained the name of the current creditor, the amount of the alleged debt, and, the complaint says, “the nature of the personal medical services giving rise to the alleged debt.” It also gave Barclift’s address and other details of the alleged debt.

What evidence does the complaint cite that the letter was sent by a vendor? The complaint alleges that the letter’s return address is not Keystone’s address in Leola, Pennsylvania; it is a post office box in Oaks, Pennsylvania that is associated with RevSpring, Inc., which the complaint calls “a third-party software company” that offers printing and mailing services.

The complaint quotes RevSpring’s website as saying, “North America’s leading healthcare organizations, revenue cycle management, and accounts receivables management companies trust us to maximize their financial results through dynamic and personalized print, online, phone, e[-]mail, and text communications and self-service payment options.”

Article Type: Lawsuit
Topic: Loans

Most Recent Case Event

Keystone Credit Sharing of Debt Information Pennsylvania FDCPA Complaint

October 1, 2021

The Fair Debt Collection Practices Act (FDCPA) limits the people with whom a debt collector may communicate about a consumer debt. This class action brings suit against Keystone Credit Services, LLC, claiming that it uses third-party mail vendors to send out debt collection letters, and that the communication of debt information that must appear in the letters violates the FDCPA.

Keystone Credit Sharing of Debt Information Pennsylvania FDCPA Complaint

Case Event History

Keystone Credit Sharing of Debt Information Pennsylvania FDCPA Complaint

October 1, 2021

The Fair Debt Collection Practices Act (FDCPA) limits the people with whom a debt collector may communicate about a consumer debt. This class action brings suit against Keystone Credit Services, LLC, claiming that it uses third-party mail vendors to send out debt collection letters, and that the communication of debt information that must appear in the letters violates the FDCPA.

Keystone Credit Sharing of Debt Information Pennsylvania FDCPA Complaint
Tags: FDCPA, Sharing Personal Information with Third Parties, Unlawful Debt Collection