Keystone Collections Group

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Contacts, Payment & Login

• Official website: https://keystonecollects.com/
• Individuals (taxpayer line): (724) 978-0300
• Individuals (toll-free): (866) 539-1100
• Employer Support and Compliance Team: (724) 978-0328
• Employer Support (toll-free): (888) 328-0558
• Spanish-language assistance: (724) 978-2866
• Primary fax: (724) 978-0399
• e-Pay (make a payment / respond to a notice): https://pay.keystonecollects.com
• e-File (file a local earned income tax return): https://efile.keystonecollects.com
• Business/employer withholding portal: https://business.keystonecollects.com

Locations

Got a delinquent tax notice from Keystone Collections Group? What to check

The Pennsylvania Department of Community and Economic Development (DCED) local income tax collector list names Keystone Collections Group as the Act 32 tax officer for 21 Tax Collection Districts: Allegheny North, Allegheny Southeast, Bedford, Bucks, Cameron, Chester, Clarion, Clearfield, Dauphin, Delaware, Forest, Fulton, Greene, Lebanon, Lycoming, Mifflin, Northampton, Northumberland, Somerset, Tioga and Washington. To confirm a notice is genuine, check that your district appears on that DCED list or on your own school district or municipality's tax page, and look up the invoice number printed on the notice at pay.keystonecollects.com rather than calling a number from an unsolicited message. Check the notice itself to identify the tax or obligation involved; Keystone's website says it collects several kinds of local Pennsylvania taxes and municipal fees.

Situations Keystone's own FAQ pages describe as possible reasons for a notice, or grounds to dispute one: your employer did not withhold the correct local EIT (or you had self-employment or out-of-state income that isn't withheld automatically); you moved into or out of a Pennsylvania municipality and the tax rolls weren't updated; a prior-year return was never filed or a balance was left unpaid; or a per-capita/occupation tax exemption was never filed. Keystone's own delinquent-recovery page says its process is meant to "promptly return the delinquent taxpayer to the current tax rolls" and to "locate payroll taxes improperly paid to another municipality, and return this money to your community".

• Read the notice carefully for the tax year, tax type (EIT, LST, per capita, occupation, real estate, etc.) and the municipality/school district it names — BBB and ComplaintsBoard reviewers describe cases where a notice named a jurisdiction the recipient never lived or worked in.
• If you believe you already paid or don't owe it, Keystone's own FAQ instructs: go to its e-Pay site (pay.keystonecollects.com), enter your invoice number, choose "Respond to Notice", and upload documentation (pay stubs, cancelled checks, a prior year's return, proof of residency/employment elsewhere) to substantiate your claim. Keystone states you will receive a written determination letter by mail once the documents are reviewed.
• Call the number on your notice or Keystone's individual taxpayer line, (724) 978-0300 / toll-free (866) 539-1100, and select the prompt for your tax type; a Spanish-language line is available at (724) 978-2866.
• Payment plans are limited. Keystone's FAQ says "Payment arrangements are not available on balances reported on the tax return" and that underpayments "will incur statutory penalty, interest and collection costs," although it "will not turn away payments" and advises paying as much as you can when you file. For other balances, a separate FAQ says to "contact us to determine if payment plan options are available in your situation."
• Keep records of everything you send Keystone and any determination letter you receive, including tracking or confirmation numbers.
• Keystone says some unresolved delinquent matters may be pursued through the legal system. On wage garnishment, its FAQ says an employer "is permitted to withhold up to 10% of your gross wages, commissions or other earnings" until the balance is paid, and that to prevent or stop a garnishment "you must either pay the total balance or provide supporting documents evidencing that the tax is not owed."
• If you can't resolve a dispute with Keystone directly, you can also raise it with your school district or municipality, or, for earned income tax, with your Tax Collection Committee, which appoints the Act 32 tax officer; DCED's Act 32 FAQ states that tax collection committees "are required to appoint an appeals board to hear appeals of Tax Officer determinations." To report a tax-collection issue to the state, DCED's Governor's Center for Local Government Services takes email at [email protected] and calls at 888-223-6837. For a wage-garnishment or legal question, consult an attorney or a legal-aid organization.

Company background: from Kratzenberg & Associates to Keystone Collections Group

Keystone describes itself as having over 40 years of experience; BBB reports a business-start date of January 1, 1987 and local-start/incorporation dates of June 3, 2002. BBB's file on the company was opened April 5, 2001. BBB lists two alternate names for the business: Kratzenberg & Associates and Keystone Municipal Collections. Consistent with that, a federal lawsuit filed in 2004 (below) originally named "Kratzenberg & Associates, Inc." and "Keystone Municipal Collections d/b/a Keystone Collections" together with T.J. Kratzenberg individually, and a 2001 bankruptcy court docket in the Western District of Pennsylvania (Bowser v. Keystone Municipal Collections) also used the older name. BBB's Business Management listing names T J Kratzenberg as President, David Kratzenberg as Vice President (BBB's listed principal contact), and Christopher E. Vincent, an attorney, as the customer-contact.

Pennsylvania DCED's local income tax collector list names Keystone as the Act 32 tax officer for 21 Tax Collection Districts (Allegheny North, Allegheny Southeast, Bedford, Bucks, Cameron, Chester, Clarion, Clearfield, Dauphin, Delaware, Forest, Fulton, Greene, Lebanon, Lycoming, Mifflin, Northampton, Northumberland, Somerset, Tioga and Washington). Keystone's own site adds that it serves 1,000+ school districts and municipalities in 38 Pennsylvania counties; those two figures, and its "over 40 years" of experience, are the company's own description. Its headquarters at 546 Wendel Road, Irwin, PA 15642 is, per its own site, a payment drop-box location rather than a public walk-in office; it also lists staffed offices in Bethlehem (Eastern), Lebanon (Central), and Penn Hills and Murrysville (Southwestern), plus a payment drop box at the Chester County Intermediate Unit building in Downingtown. Keystone operates several separate online portals: pay.keystonecollects.com (e-Pay), efile.keystonecollects.com (e-File), business.keystonecollects.com (employer/business withholding), and tec.keystonecollects.com, used for "Tax Enforcement & Collection" business Local Services Tax notices. Keystone's site says mandatory electronic filing for employer EIT/LST withholding returns begins with tax year 2026.

Complaint record: USAComplaints, BBB, ComplaintsBoard, CFPB and Trustpilot, reported separately

Several sources track complaints about Keystone Collections Group, and this page reports each separately rather than blending them into one figure:

• USAComplaints: 0 complaints submitted about Keystone Collections Group (or its known alternate names) on this site as of September 28, 2026.
• BBB: Keystone Collections Group is not BBB-accredited and carries a BBB Rating of C-; BBB's stated "Reasons for rating" are "Failure to respond to 2 complaint(s) filed against business" and "170 complaint(s) filed against business." BBB shows 170 total complaints in the last three years (30 closed in the last 12 months), and a separate customer-review score of 1.14 out of 5 from 44 reviews. Reviews visible on BBB describe disputes over wage garnishment for taxes reviewers say were already paid, and difficulty reaching the company by phone.
• ComplaintsBoard: a profile rating Keystone Collections Group 1.0 out of 5 based on 16 reviews and 11 complaints (page shows an update dated June 25, 2026). Listed themes include delinquent notices reviewers say were sent for jurisdictions they say they never lived or worked in, and disputes over recordkeeping.
• CFPB: the Consumer Financial Protection Bureau's Consumer Complaint Database has no company listing for "Keystone Collections" or "Keystone Collections Group" (checked via the database's own company-name lookup, September 28, 2026).
• Trustpilot: no profile found for keystonecollects.com as of September 28, 2026.

Reviews and complaints on these sites are submitted by people who chose to post, not a representative sample of the taxpayers Keystone serves. Because each source covers a different population, time window and methodology, none of these figures is added to or averaged with any other. This page assigns Keystone Collections Group no rating, score or "scam" label of its own.

Litigation: a 2004 RICO suit (dismissed and affirmed) and a pending Commonwealth Court appeal

A CourtListener search for federal cases naming Keystone Collections Group, its alternate names, and its president, run September 28, 2026, found one contested federal lawsuit (as opposed to the many bankruptcy dockets on which the company appears only as a listed creditor, which are not itemized here).

Gagliardi v. Kratzenberg (W.D. Pa., No. 2:04-cv-01693), filed November 8, 2004 by a self-represented plaintiff, asserted a claim under the federal Racketeer Influenced and Corrupt Organizations Act (RICO). As originally filed, the case named T.J. Kratzenberg individually, Kratzenberg & Associates, Inc., and "Keystone Municipal Collections d/b/a Keystone Collections," along with two attorneys sued over an apparently separate matter. On December 9, 2004, the court granted the plaintiff's own motion to correct the case caption, removing Keystone Municipal Collections/Keystone Collections as a party as "a fictitiously named business entity" — i.e., the court treated it as a trade name of Kratzenberg & Associates, Inc. rather than a separate legal defendant. The remaining defendants moved to dismiss. On September 15, 2005, the court dismissed the case for failure to present a live Article III case or controversy, dismissed the RICO claim with prejudice, and dismissed any state-law claim without prejudice. The plaintiff's motion for reconsideration was denied on October 7, 2005. The plaintiff appealed, and the U.S. Court of Appeals for the Third Circuit affirmed the district court's judgment (judgment entered June 5, 2006; mandate issued July 14, 2006, with costs taxed against the plaintiff). The case is more than 20 years old; the trade-name defendant was removed, and the claims against the remaining defendants were dismissed.

Bradley v. Keystone Collections Group (Commonwealth Court of Pennsylvania, No. 285 CD 2025) appears on the court's June 2026 Pittsburgh argument calendar with the status "SUBMITTED - PANEL," meaning it was submitted to a panel for decision. The calendar does not describe the issues or any outcome, and none is reported here.

No other contested federal lawsuit against Keystone Collections Group (by that name) was found in the CourtListener search described above. Because Pennsylvania local-tax enforcement (liens, wage garnishment for delinquent EIT/LST) typically runs through county Magisterial District Courts and Courts of Common Pleas rather than federal court, individual disputes of that kind are largely outside CourtListener's federal-court-centered coverage and are not reflected here.

Is Keystone Collections Group Legitimate?

Keystone Collections Group is a real, operating company headquartered at 546 Wendel Road, Irwin, Pennsylvania, that Pennsylvania DCED's collector list names as the Act 32 tax officer for 21 Tax Collection Districts — a role created by Pennsylvania's Local Tax Enabling Act / Act 32 municipal tax-collection reform, under which school districts and municipalities designate a single collector for local earned income tax. BBB reports a 1987 business-start date and lists Kratzenberg & Associates and Keystone Municipal Collections as alternate names; uninterrupted corporate identity under those names was not independently verified. One historical federal RICO action involving T.J. Kratzenberg, Kratzenberg & Associates, Inc., and a Keystone trade name was identified; the trade name was removed, and the dismissal against the remaining defendants was affirmed. At the same time, its BBB rating (C-, not accredited, 170 complaints in three years) and its 1.14/5 and 1.0/5 average review scores on BBB and ComplaintsBoard reflect many reviewers reporting poor experiences, commonly over notices for taxes reviewers say were already paid, notices for the wrong jurisdiction, and difficulty reaching the company. This page assigns Keystone Collections Group no rating, score, or "scam" label of its own; readers can weigh the record above, verify their own tax situation against their own records, and use Keystone's own "Respond to Notice" e-Pay process (or contact their school district/municipality) if they believe a notice is wrong.

Court & Public Records

Frequently Asked Questions