Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Keynote Consulting, Inc.
State: DC

Complaint narrative:
Key Note Consultant, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has used illegal and deceptive practices to prey on XXXX and XXXX people in the state of Illinois. This predatory debt collection agency makes millions of dollars a year preying on poor XXXX people in this state. They focus on poor XXXX because they know that they are struggling and having a hard time making ends meet They purchase tons of old debts that have been written off as a tax loss and they go after poor XXXX people. They can not and shall I say will not produce a legitimate debt validation letter when ask to do so. They also run a scheme when you challenge them they will remove the item from your credit report and soon after they will file a lawsuit using another predator whom has a law firm by the name of XXXX XXXX ( owner operator XXXX XXXX. ). 

Once the law suit is filed they are hoping that the individual does not show for the lawsuit so they can go for a judgement with the intend of garnishing poor XXXX people little money that the have. Key Note Consultant works hand in hand with a law firm that specializes in suing poor XXXX people in XXXX XXXX Illinois. It has been written and proven that these type of operations prey on XXXX and XXXX people. Rarely does this operative go after XXXX people. If you do the number in XXXX XXXX Illinois your will find an over whelming number of XXXX being sued for old, outdated, and debt that has never been validated. Even the XXXX XXXX states attorney stated that she is disappointed at the level of XXXX injustice in the courts of XXXX XXXX ill. 

They also use dirty tactics by using the XXXX XXXX XXXX to serve poor XXXX people as a way to intimidate, scare, humiliate, embarrass, and harass poor XXXX people by beating on their doors to serve them as though they have committed a serious crime. This predator behavior needs to cease now. They knock on doors of people that no longer live there as though they have a warrant when in -- fact they do not. I have forwarded this letter to the Attorney General, XXXX XXXX XXXX, XXXX XXXX States Attorney and also the FTC. I am not concerned about a resolution from this organization because all they do is lie, cheat and steal from the less fortunate that have been victimized by fraud and identity theft. 

It is illegal for debt XXXX working with rogue lawyers to orchestrate such deviant behavior, by trying to extort money from people illegally by filing bogus debt collection lawsuits on people that do not live in XXXX XXXX or state for that matter. Im asking that your agency, the attorney generals, and all federal agencies ban the ring leaders of this operation from the industry to halt any further misconduct. 

Please forward this information to the FTC and the Illinois Attorney XXXX office because this debt collection agency thinks that you are a joke. They know that once they say that they are going to do something there is no check and balance. 
I would like for you too serve this debt collection agency for misconduct I will continue to file complaints on this operation until they are brought to justice for deceptive practice, lying and misconduct. They say that they are going to do one thing and they turn around and sue you intentionally for they sake of collecting money feloniously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation