Key 2 Recovery, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
06/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 634XX	Web
I received an email from my credit monitoring service that informed me that my credit profile was adversely impacted. I found that KEY 2 RECOVERY INC had illegally posted an alleged collection account to my credit report. I have never heard of nor had an account with this company. My report shows that KEY 2 RECOVERY INC open account was opened on XX/XX/2020 with a balance of {$1800.00}. I have no knowledge of this company, nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I never received a notice of right to dispute nor did I receive any information to verify that the alleged debt with this company belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of postage that would require my signature. And if the company did mail anything to me, where is the legal proof of my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit has dropped tremendously in the middle of making a major purchase. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. As a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not be my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt and legally report to the credit agencies. As of this date, they have failed to do so. KEY 2 RECOVERY INC XXXX XXXX XXXX, XXXX XXXX, OH XXXX ( XXXX ) XXXX
08/25/2022	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	NE XXXXX	Web
I recently submitted a complaint to Key2Recovery regarding an alleged debt. In the response from Key2Recovery, the agent on their behalf has password protected the documents that she provided. She didn't include the password. She also stated that I could call the number : XXXX and ANY of their agents would be happy to assist. I have a recorded call that i placed on XX/XX/2022 at XXXX to gain access to both of these password protected documents. Where I spoke with the first agent who stated she was a manager. She confirmed that the account number XXXX is not the actual account number with Key2Recovery who is now collecting the debt but is the account number of their client XXXX XXXX The same number XXXX that is reporting on my report, the same number that is also used on the documents sent from them through the CFPB. I gave this account number to the first agent and she was not able to find the alleged account. If this isn't the number I can use to access the alleged account with Key2Recovery then why is this number on my consumer report. Key2Recovery is reporting false and deceptive account information on my consumer report. The first agent who again stated she was a manager was not able to happily assist me with the password. So instead of offering another type of assistance. I had to ask for her supervisor which is when she told me that she herself was a manager. She didn't even know what the CFPB was. Seems as if their managers are not properly trained. She pretty much insulted my intelligence by stating " you want to speak to a manager even though I am a manager you want to speak with my manager '' I kindly said " Yes ''. Because clearly although she is a " manager '' she could not assist me so I'm not sure why she didn't offer that herself. She transferred me over to the next agent, XXXX, who also could not assist me and only focus was to start collecting on the debt through different mediums of communication. He wasn't truly trying to help me. But what I found to be very disturbing coming from the 2nd manager, agent, XXXX when I asked him what was the name of the agent that connected me to him. He stated " I don't know who you are talking about '' I said again " The agent that connected me to you stated you where her supervisor '' He didn't know her name again. It made me giggle so I stated, " You don't know the name of the lady that just transferred me to you who stated you where her manager? You don't know who you manage? '' Now I have managed for over 10 years in multiple different industries and there was never a time I didn't know someone I managed. After stating that he replied " XXXX XXXX. '' Now I don't want to have to release this call ( in the court of law ) because it was very disturbing how these agents of Key2Recovery do not have enough training to be able to assist alleged debtors. But what's even more disturbing the managers of this business have no idea about the CFPB, password protected documents, or who could assist me. Even more so how the agent that responded through the CFPB, the agents, XXXX and XXXX XXXX are also conspiring against me to collect on an alleged debt by deceiving, misleading and providing false information. Deceiving me to believe they were managers and that ANY agent of this company could assist me, misleading me to think I would be able to open these documents but it seem as a set up from the jump by not providing the password so that I would call in and consent to receive unwanted calls and emails from this company, and providing false information and furnishing deceptive forms and account numbers on my consumer report, all violations of the Fair Debt Collection Practices Act. Again I am asking the CFPB to step in for justice. Key2Recovery is a deceiving, false reporting, debt collection company with Mangers that conspire against consumers by willfully and knowingly disobeying the FDCPA and use carefully planned attempts to collect on alleged debt.
04/15/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 21216	Web	Servicemember
On XX/XX/XXXX, I received a letter from Key 2 Recovery ( Letter enclosed ) claiming I owed a debt to their company. On XX/XX/XXXX, I immediately responded requesting verification ( letter enclosed and verification of signature receipt ). On XX/XX/, Key 2 Recovery received the letter and responded. The letter contained a black and white photo of a computer generated screen with what appears to be a first and last name similar to mine. In the screenshot there is no mention of Key to Recovery or any legible facts which would constitute a contract. Furthermore, the screenshot states a bill to XXXX is owed is {$750.00}. However, Key to Recovery invoice has balance of {$1200.00} with no apparent explanation. In response to the letter I received, I again sent correspondence to Key 2 Recovery ( letter enclosed and verification of signature receipt ) explaining my continued desire to seek clarity. No response! However, on XX/XX/XXXX, I received an alert that a collection account was added to my account from Key 2 Recovery which is unacceptable. Like the lawsuit CFPB vs XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX, Delaware Statutory Trusts. Like the XXXX, Key 2 Recovery is misleading in their practice to collect debt. Like the affidavits in the CFPB lawsuit, the actions of Key 2 Recovery to place this debt on my credit profile exhibits I had personal knowledge of the education loan records evidencing the debt which is untrue. Furthermore, like the affiliates in the CFPB lawsuit case, I lack personal knowledge of the education loan records evidencing the debt and further questioned validity once I received the validation letter. Furthermore validation should be seen Clearly and Prominently means i. as to written information : written in a type size and location sufficient for an ordinary consumer to read and comprehend it and disclosed in a manner that would be easily recognizable and understandable in language and syntax to an ordinary consumer ; if the information is contained in a multi-page print document, the disclosure appears on the first page. Lastly, referencing the order signed by the US district Judge, a document signed by the Consumer, such as a promissory note, evidencing the agreement to pay the loan forming the basis of the Debt should be rendered before taking any action against me or my credit profile. Key 2 Recovery lack of due diligence in my case should not be tolerated and deserves the same attention given to XXXX XXXX XXXX XXXX XXXX XXXX. Also considering the amount of responses from them of acting within in contractual limits is not sufficient. The CFPB will continue to receive these kinds of complaints unless legal action is taken. Considering the size of complainants in the database against Key to Recovery, a class action lawsuit is inevitable.
08/26/2022	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	NE XXXXX	Web
New and updated information regarding Key2Recovery : For the agent responding, to assume that I, the consumer, would know the passwords allegedly provided would STILL work instead of the agent just providing the password or admit that the company is not well trained to perform day to day operations. Key2Recovery employees spend more time using abusive and obscene words towards consumers instead of just fixing the problem at hand. I've had a chance to look over these documents and there is several things I noticed on top of this companies deceptiveness, false and misleading statements, abusive and obscene languages, all clear violations of the Fair Debt Collection Practices Act. On top of the company showing a ledger with a XXXX balance. None of these documents show the character amount furnished on my consumer report in the amount of {$1600.00}. I have repeatedly asked for verification of this debt or some type of itemization of each dollar amount of this debt and the ledger provided by Key2Recovery shows proof that this debt collector is using illegal, false and unfair means to collect. Because the so called ledger is password protected I have included a screenshot of the XXXX out balance along with the alleged write-off amount. I have also included the screenshot of this account on my credit report which I would like to point out two different balances that are not reflected on this ledger. Key2Recovery has violated 15 USC 1692a by providing an abundance of evidence of abusive, deceptive, and unfair means to collect on this alleged debt. 15 USC 1692d ( 2 ) by using abusive and obscene language from not only this agent insuataing that I should have known the password of both of these documents, but from the agent XXXX XXXX by stating that since she is a manager I shouldn't have to speak with another manager although she could not assist me with the day to day operations. And the deceptiveness of not providing a password to get me to call in where the only focus was to get me to consent to receiving unwanted and unfair calls and emails. Also the misleading that ANY agent of this company would be able to assist but no one was properly trained. This only shows that the reason the document was password protected to began with is so that investigators of the CFPB could not see the next violation which is the false representation of the character amount of this debt by reporting two different amounts that have nothing to do with the alleged password protected ledger which is a violation of 15USC 1692e ( 2 ) ( A ). I can only imagine the consumers that are being affected by this companies abusive, deceptive and unfair ways.
01/12/2016	No	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	CO XXXXX	Web
Sometime in XXXX XXXX I started receiving letters from XXXX XXXX XXXX from Key2Recovery regarding a debt to a school that I do not owe. At first, she acted professional, but later on she became very rude and uncooperative. I had taken out a private student loan through XXXX XXXX about 6 or 7 years ago, and am still paying on it. I moved from XXXX at the end of XXXX XXXX, and let XXXX know that I did n't have a mailing address yet but that I would give it to her once I set up a XXXX XXXX XXXX She called me several weeks later asking if I had received the document proving that I owed money to the school, and when I asked her where she had sent it, she said it went to XXXX. I reminded her that I left a voicemail as soon as I moved to XXXX and got my XXXX XXXX XXXX with my new mailing address, but she became very rude and said that she sent it and was n't going to send it again. She also called me " uncooperative '', when I have been trying to do everything I can to figure out what is going on. She has been calling me ever since then, even at strange hours of the evening ( XXXX my time, XXXX her time ). This is all very odd, especially since I have not changed my phone number since I attended the school, so I do n't see why they never called me in the past 6-7 years if I somehow did owe them money. I have even tried calling the said school several times, but have not heard back. I work at a bank, and have heard of a few debt collection agency scams recently going on, so I know better than to just send off money to them without questioning it. So far, I have not had any proof of anything that I have signed saying I owe this school money. I am still paying XXXX XXXX for the student loan, and everything that has occurred thus far has led me to believe this is fraudulent. It also seems that XXXX has violated the Fair Debt Collection Practice Act. It would make sense to me that if I did indeed owe money to the school, they would probably contact me, and XXXX would have happily updated my address when she was on the phone with me last time ( rather than being rude and saying that she already sent the document proving I owed the debt, and that she was n't going to send it again ). Be that as it may, everything about this seems very fishy, not to mention the fact that a strange number ( XXXX ) keeps calling me, without leaving any voicemails. When I looked it up online, it is a credit management company ... and apparently in XXXX, XXXX authorities arrested XXXX people for what they said was a XXXX scam by a debt collection company that victimized more than XXXX people, and a prosecutor said a wider crackdown was underway. Scary.
04/22/2015	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	OH 448XX	Web
XXXX/XXXX/XX/XX/2015 I was contacted by a collection agency stating that I owe {$2900.00} to an online university. I stated that the claim was erroneous as I had applied for and to my knowledge received financial aid. I asked what the debt was for. They stated it was because I did not withdraw from my classes per the contract. They stated they had exhausted all efforts to contact me. I stated that this was the XXXX I had heard of this alleged debt. Collection agent stated that they had been contacting me at ( telephone number that did not belong to me ). Agent read off the telephone number. I stated that was not my telephone number. Agent stated that that was the information provided to her. On XXXX/XXXX/XX/XX/ after having made contact with me and after I had advised the telephone number they had been calling was not mine, a collection agent from this agency again called the telephone number not belonging to me, it belongs to my mother, and left a phone message discussing the alleged debt on my mother 's answering machine. This same day this same agent left the same message on my answering machine and implied a threat that if I did not call them back by XXXX on XXXX/XXXX/XX/XX/2015 that my file would be moved to final determination and that " seriously, this is something you do n't want to happen ''. Previously, when I asked the collection agent to validate the debt, they threatened that if I request the validation of debt that I would not be able to work out any type of settlement, that all chances of working out a settlement at a reduced amount would be off the table. As I was trying to reason with this collection agent, she continued to yell and talk over me and stated " I 'm not playing your games, I 'm going to submit paperwork to garnish your wages ''. On XXXX/XXXXXX/XX/ I contacted the original creditor, spoke to XXXX. of the university and advised that the collection agency was very abusive and illegally trying to collect on a debt. I stated that I wanted to work directly with the university to resolve this matter. XXXX. stated he would speak to Mgmt to pull my file from the collection agency. I contacted the collection agency to advise them of this. The agent with an exasperated tone asked why and " Are you going to resolve this? '' I stated I am resolving this as quickly as possible. XXXX. of the university emailed me XXXX/XXXX/XX/XX/2015 stating that he was speaking with the collection agency and would be back in contact with me after hearing from the collection agency. Received a call XXXX/XXXX/XX/XX/2015 from the collection agency again. I did not answer.
03/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19026	Web
Does your agency have a debt collection license in Virginia? If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license. I pull my credit report recently and found out that XXXX XXXX XXXX : ORIGINAL CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX. I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX. The XXXX XXXX, did not response with in 30 days. By not replying in timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The following non-compliance violations:1 ) They show no proof that they have an agreement with the original creditor to collect this alleged debt. 2 ) They have no copy of a signed contract where I allegedly agreed to pay the charges. 3 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 4 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 5 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 6 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre fine. Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14, 1995 ) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 pandemic please delete immediately. Please answer all those questions on the attachment and send documents we requested. Are your claim is not justified. We will be pursuing legal matters for damages.
11/16/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	TN 374XX	Web
1.I have never had an account with this company KEY 2 RECVRY XXXX , REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are KEY 2 RECOVERY INC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
12/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC 28262	Web
I received a call from XXXX with Key 2 Recovery on XX/XX/XXXX concerning a collection account with XXXX XXXX from XX/XX/XXXX XXXX {$1400.00}. I informed her that I did n't have any debts with XXXX XXXX and am not familiar with any debts from there that I owe. I told her the statute of limitations have run out for such a debt that I do n't even owe from XX/XX/XXXX. XXXX asked if I was going to pay the debt and I informed her, no, because it 's not my debt and she hung up on me. After the call, I did n't receive any additional contact by phone or mail ( never received anything by mail ). Fast-forward to XX/XX/XXXX I receive a credit alert from XXXX XXXX as it relates to XXXX indicting I have an open collection dated XX/XX/XXXX from Key 2 Recovery Inc., and reported XX/XX/XXXX for a debt owed to XXXX XXXX in the amount of {$1400.00}. How could I have had an " open '' collection in XX/XX/XXXX? The debt was so old, that I was wondering why a collection agency was attempting to collect a debt that was over 17 years old that I knew I no longer owed and when they purchased the debt at that time it was their duty to do their due diligence. The reason I do n't owe or have such a debt is because it was discharged XX/XX/XXXX in Case Number XXXX under Chapter XXXX ( filed under my maiden name ) on Schedule F, Creditor # XXXX i/a/o {$1400.00} the exact amount Key 2 Recovery has reported on my credit report as a derogatory collection. How can a collection agency attempt to collect after bankruptcy and report a derogatory collection on my account after all these years on an account that was clearly discharged, stale, time-barred, not re-aged, and no documentation provided that the debt was valid? Having a collection account can jeopardize my job as a XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX as I 'm not able to have " bad credit '' and collections. This appears to be unfair collection practice as this company clearly ignored that this debt was no longer owed and did not validate the debt they clearly purchased over 15 years later, and they falsely reported to the Credit Bureau which can jeopardize my career.
04/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 98004	Web
This is a follow up to CFPB complaints XXXX and XXXX regarding debt collector Key2Recovery where its representative states : " ... someone stole her identity they would first have to construct erroneous high school transcripts, fraudulently take the XXXX exam using someone elses { sic ] name, apply to the institution of higher education ( XXXX XXXX XXXX in this instance ) in the hopes of being accepted. If accepted, they would then have to enroll for classes and pay the tuition and fees and attend classes all with the questionable intention of obtaining a diploma in someone elses [ sic ] name to secure gainful employment as another person ... '' 1. Clearly, this statement indicates the company did indeed act as an authorized third party and initiated contact with someone at XXXX XXXX XXXX to gain access to personal records with neither my knowledge nor my consent in violation of Fair Debt Collection Practices Act 15 USC 1692c 805. Communication in connection with debt collection : " ... a debt collector may not communicate, in connection with the collection of any 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. '' 2. Moreover, the address and personal information on all correspondence from the debt collector came directly from government documents from XXXX XXXX XXXX, which is protected by the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. 3. Finally, I am a current respondent in the ongoing 2017 Equifax Data Breach Settlement where my credit information is currently monitored. It is very irresponsible for a creditor to mock or otherwise dismiss the severity of data breaches that compromises one 's personal. Bottom-feeding companies, such as Key2Recovery, care only about their increasing their profit margins by any means including data breaches, identity theft, and fraud.
01/05/2022	Yes	Debt collection Other debt	False statements or representation Told you not to respond to a lawsuit they filed against you	OH 452XX	Web
I graduated from XXXX XXXX and University in XXXX, Ohio in XXXX. When I graduated I received a notice I had an outstanding balance of {$3300.00} from courses I had to repeat. The Financial Aid office failed to mention that my scholarship did not cover the entire class. Then I collection email from key 2 recovery for {$4200.00} and I was just finishing school which I actually finished in XX/XX/XXXX. I asked them what was the additional amount for and they said collection fees. I told them how is that possible when I was never told there would be collection fees. They started harassing my wife and my family to get in touch with me. I was not working at that time and I also asked for them to send me a detailed billing notice for the charges. Fast forward to XXXX of XXXX. They contacted my wife and said her paycheck would be garnished for my debt because I was her husband. They sent an email stating we could not pay via checking account or debit card that we had to wire the amount to Key 2 Recovery at XXXX. My wife then asked could we mail payments and they said no it had to be a wire transfer to make sure they received it and that we didnt say we mailed it but really didnt. My wife sent {$4700.00} over 8 months so they wouldnt garnish her checks. We received an email on XX/XX/XXXX stating we still owed {$900.00} in late fees, cumillated taxes and penalties and court costs and I could not receive my degree until it was paid in full. I contacted the school and they said they havent received a payment from key 2 recovery as of this date. I informed them of what we have paid and they told us to contact the company. I contacted the company again at XXXX and asked to speak to our collections agent XXXX XXXX. he stated he would contact the school to clear this up. He called again and left a message for us to return the call at XXXX and we still have yet to hear anything.? i want my diploma and our receipts asap. and this to be cleared up!
10/17/2023	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	MD 206XX	Web	Servicemember
I received a call from a XXXX a representative from XXXX XXXX acct number XXXX on Wednesday XX/XX/2023 @ XXXX. Upon answering the call, I asked if I could call them back as I was at work in the middle of seeing XXXX. XXXX told me that I had to give her call at XXXX by close of business on XX/XX/2023 and I said okay. I never knew it was a collections call. I tried calling back, left 3 messages and never got a call back. The next thing I get is a collections letter from Key2Recovery Collection Agency acct # XXXX saying that I owe XXXX XXXX {$5000.00}. I immediately called the Collection agency back and informed them that I shouldn't be in collection due to the fact that the loan servicing company XXXX XXXX acct. number XXXX told me that my loan was hold due to the Pandemic and the fact I wasn't working regularly. When speaking to XXXX XXXX she told me she would contact the College and send me all information related. Once I got the information, I called back and was informed that I never had a loan through XXXX XXXX but I had an Account Receivable Account and that is now in Collections and I had to pay it or it will affect my credit. I then got a phone call on my job in which I never gave these people my number and they told my job it was a collections call and they had to speak to me then the call was transferred to me. I immediadely told them I was at work and that it wasn't acceptable for them to call me there and the representative hung up and called my cell phone, but I just said " I'm at work. She then told me that I was refusing to pay and I never said that, I said I should not be in collections and that if I had to pay that I would begin to pay what was agreed upon by myself and XXXX XXXX since I am working now. She said that it is unacceptable and that I had to pay peroid. The said they had no knowledge of payments to launch servicing
02/20/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	LA 71203	Web	Servicemember
Today I was notified for the first time by XXXX that there was a new collection account on my report. I attended XXXX University in XXXX and my account became delinquent in the amount of XXXX dollars on XX/XX/XXXX - I verified this today XX/XX/XXXX with the XXXX University billing office. I have a record of emails from XXXX trying to collect on this debt as far back as XX/XX/XXXX ( this is included ). In XX/XX/XXXX, XXXX University referred my account to Key 2 Recovery ( XXXX XXXX XXXX XXXX XXXX, OH XXXX ) for collections. Today, XX/XX/XXXX, Key 2 Recovery reported my account " date opened '' as XX/XX/XXXX, when they were given the account, not when it became delinquent - this is called " re-aging debt '' and I believe it to be illegal in this situation. I have paid nothing on this debt, have not and do not admit ownership, have not entered into any arrangement whatsoever with any entity concerning this debt. I called Key 2 Recovery today to inquire about the debt and the date of birth they provided as the debt owners did not match mine. Then I notified the debt collection representative about the false information being reported, she told me it wasn't her problem. When I told her that yes it was, that they were required to report accurate information she hung up on me. I called back and spoke to another representative whom I requested validation of the dates from and was simply told it was referred to their office XX/XX/XXXX, I was not given the delinquency date by any Key 2 Recovery representative today. The account information reported to XXXX is incorrect, incomplete, and it is COMPLETELY unethical that they would report unverified information. Along with this complaint I am reporting the FCRA violation with Louisiana Attorney General XXXX XXXX.
12/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33056	Web
I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. Sincerely XXXX XXXX
09/10/2019	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 46375	Web
I was contacted by mail from Key 2 Recovery Collection Agency in XX/XX/2019. The initial letter stated it was an attempt to collect a debt on behalf of Indiana XXXX University. I replied to this letter via postal services, asking for debt validation Information and proof of authorization to collect in the state of Indiana, because their office is in the state of Ohio. In XX/XX/2019, They replied to my request with a letter of charges and fees, but none of the information that I requested. They also failed to prove their authorization to collect debts in the state of Indiana. After receiving this letter, I sent a cease and desist letter to them via certified mail with a signature receipt upon acceptance. I HAVE THE SIGNATURE RECEIPT AND A COPY OF THE CEASE AND DESIST LETTER I SENT TO THEM AND PROOF OF ACCEPTANCE. In XX/XX/2019, Key 2 Recovery, falsely reported a collection account to my XXXX consumer credit report. The information on the collection account states that their initial reporting to XXXX started in XXXX of 2019, but the open date of the collection account is XX/XX/2019. Since then Key 2 Recovery, continues to falsely update this account information and completely ignore the cease and desist letter that I sent to them. The last time they updated the account was XX/XX/2019. This is a complete violation of my consumer rights. This company has shown that they are willing to violate consumer laws and collection laws and guidelines. I would like to take them to court and have these collection company closed for ignoring business laws, consumer protection laws, antitrust laws, and collection laws and guidelines.
12/03/2016	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	IL 623XX	Web
On XXXX I was contacted by Key 2 Recovery about owing money to XXXX University student accounts. I told XXXX XXXX that I did n't owe anything to this school because the money was from my student loans and grants. I sent her the paperwork where I withdrew from XXXX and enrolled into a different school. XXXX had signed all my paperwork stating I did not owe any money. Months after this I found out that XXXX had fraudulently took my grant money and student loans. I provided her with all my evidence of this. The account number for this account was XXXX. This account was closed. On XXXX 2016 I was contacted on my cell phone again by XXXX with account number XXXX about owing XXXX University money, this time the amount was extremly more than previously. This time I told them that I have already been through this before with this company. I was then told that they just got this account and have never had it before. I again told them that we have gone through this before and I have proven that this money was not owed. I told them to validate the information because I am tired of being harassed. I then found my original paperwork for the previous account and called them about that account number and was told again that it was closed. I am tired of being called on my cell phone. I am tired of proving over and over that I do not owe this and them then closing the account until they feel like opening another XXXX with a different amount.
03/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48601	Web
This is to inform you that, XXXX XXXX XXXX is a victim of a fraud committed using my the identifying financial information pursuant to FCRA 15 USC 1681a ( q ) ( 3 ) because the data furnisher FAILED to give the consumer FULL DISCLSOURE regarding its opportunity to Opt Out of the disclosure of nonpublic personal information to third parties before such information was disclosed. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA a consumer report does not include ( i ) any- report containing transactions or experiences between the consumer and the company making the report, unless as stated in 15 USC 6802 ( a ) ( b ) ( 1 ) & 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) the customer is given the opportunity to opt-out and fails to do so. Pursuant to 15 USC 1681a ( q ) ( 4 ) an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. It will also make sure that inequitable information do not reappear on the credit report. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS after the date of receipt by such agency.
05/23/2022	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AZ 85302	Web	Servicemember
I have been receiving calls from Key 2 Recovery to handle a incorrectly charged debt from my university. I have been in contact with Key 2 Recovery on multiple occasions ( XX/XX/XXXX and XXXX of XXXX ). We have been trying to handle the false charges as I have receipts and the school policy on where they went wrong. All of this evidence has been sent to the Key 2 Recovery team at XXXX and have confirmation they have received the documentation. I received a missed call at XXXXXXXX XXXX MST XX/XX/XXXX and at XXXX XXXX I am contacted by my mother that they called her twice to try and find a way to reach me. I explicitly outlined to them on our first interaction on XX/XX/XXXX to only contact me by phone. This is a clear violation of the FDCPA for the following reasons Debt collection agencies can only call you between the hours of XXXX XXXX and XXXX XXXX local time A debt collector can make telephone calls to a third party such as friends and family, but theyre limited in what they can say. For example, the debt collector has to identify himself and state theyre calling to confirm your address or contact information, but they cant say theyre trying to collect on a debt. For these reasons I am filing a complaint against the company for stepping outside the rules in the FDCPA.
06/20/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 142XX	Web
This company Key 2 Recovery has been calling me at work on a daily basis for weeks. I have told several of their collection agents that I can not receive any type of personal calls at work and instructed them to remove the number. They have refused and keep contacting me. On XX/XX/XXXX, I spoke to XXXX and instructed her to stop calling me at work and to remove the number. She said that she was removing my work number but on XX/XX/XXXX the calls resumed again and I was contacted by XXXX. I AGAIN told them again that I can not receive any types of personal calls at work and instructed them to remove the number. On XX/XX/XXXX, I was contacted once again by XXXX and told her empatically that I can not receive any types of personal calls at work and instructed them to remove the number once again. She instead wanted to dispute that I didn't want to pay a {$4200.00} debt from a college that I stopped attending in 1999. I told her that I did not even know know if the debt bellongs to me or if it's even valid and it's 20 years old and has not appeared on my credit report.I again repeated that I can not receive any types of personal calls at work and instructed them to remove the number and she continued debating about the debt and I hung up on her.
02/24/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CO 80260	Web
I had a payment authorized to be pulled for the month of XXXX on the XXXX which was a Friday. Well it never pulled and Key 2 Recovery claims my card declined on XX/XX/XXXX for insufficient funds however I watched my account and I had more than enough funds. However Key 2 Recovery did not contact me to tell me anything. Finally I got through to them through email and they finally pulled the payment the XX/XX/XXXX and yet I still hadn't heard from anyone in this office. Then Thursday XX/XX/XXXX the CEO XXXX XXXX contacted me via email roughly two weeks later stating my card declined and they were planning to take action to collect the entire remainder of the bill. The CEO is very harassing and talking down to me, he continued to blame me despite the fact their office never contacted me. He sent me a small screen shot showing the word " declined '' against a black screen however there was no indication this was truly my card. He claimed he couldn't send me proof of my card declining, however then Friday the XX/XX/XXXX he actually did end up sending the information. I am tired of being harassed by this company when I am paying a monthly payment every month and yet that whole office continues to harass and threaten me.
01/11/2018	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 333XX	Web
I went To XXXX XXXX XXXX XXXX and injured my XXXX and could no longer work. Over the past years Ive made attempts at contacting the companies to try and resolve the debt but could never afford what they ask of me. Theyve always wanted hundreds and hundreds a month!!! I can not afford that! Recently I contacted the most recent company the Key 2 recovery company last year to try to make amends yet again and as I talked To them I told them that I didnt make enough money to make the payments they were requiring of me and I asked repeatedly for lower monthly payments and they refused and said it would affect my credit. I said I couldnt pay anything more and they said they couldnt take any less than all of it. I can not afford {$6100.00}! Its been 10 years! Its on my credit and has been affecting me! XX/XX/XXXX Key 2 recovery XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX There is also another company that is attached to it that is older XXXX XXXX and XXXX Since XX/XX/XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX According to my credit report I owe XXXX to them for the same bill! How is it 2 companies can claim that I owe them for the same bill? And report it on my credit monthly as owing {$13000.00}!?? Please help!
09/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 231XX	Web	Servicemember
Key 2 Recovery has been calling me to collect a debt on behalf of XXXX XXXX University, a college that I did not attend and that I owe no money to. I have explained this to the collection agency and was told repeatedly that they would get XXXX to send a validation letter, but in many months, this has never happened. The collection agency continues to call at a harassing frequency and claims that our past conversations haven't taken place. On XX/XX/20 I called and spoke with XXXX XXXX about not receiving the validation letters I've requested many times and she said her records showed that " we talked about it '' but that I never told her for certain to go ahead and request a validation from XXXX. This was one of many conversations about this exact issue that we have had with one another repeatedly. Such deceptive record-keeping seems to be responsible for the many unanswered disputes and continued collection activity for charges I have never made. I need help making sure that this company, Key 2 Recovery, releases me from this invalid debt. Despite my efforts, their communications with me have been wholly dishonest, and I am afraid this will continue for years without any intervention.
03/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46205	Web	Older American
Key2 Recovery, of XXXX XXXX, OH made several phone calls to our home phone, trying to collect on an alleged debt of our youngestDaughter, XXXX XXXX, who has not lived with us for several years. We told Key2 these facts, and that the alleged debt was not that of my wife or myself, and that we had not guaranteed anything for XXXX, and hadn't co-signed, etc.We told Key2 to stop calling us. ( We also had not received anything written from Key 2 before or after these harassing phone calls. ) Key2 said they would stop. On XX/XX/XXXX, Key2 began to call us again, using cellphone numbers, and also began to call our oldest Daughter XXXX on her cellphone as well. XXXX also does not live with us. Key obtained these cellphone numbers of our Family in an illegal process called 'skip-tracing '' ; which violates consumer protection laws as well as privacy laws. The cellphone calls may also violate the TCPA. Key2 has also called friends of XXXX on this alleged debt, and seems to have contacted her employer. This adds to the illegal business practices of Key2, and would seem to violated Title 5 of the Federal Trade Act ; as this is an Unfair and Deceptive and Abusive act by Key2.,
01/31/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IN 46033	Web
On XX/XX/2023 at approximately XXXX XXXX EST I contacted the original creditor XXXX XXXX XXXX. I was advised I had an outstanding balance of {$850.00}. They advised me to reach out to Key 2 Recovery, a debt collector, to settle the account. I then found their website and logged in using my personal information, and they showed a balance of {$1100.00}. I submitted an online dispute and advised that I had just been told by the original creditor the amount owed was sent to them as {$850.00}. Key 2 Recovery then called me and said they were given a file in the amount of {$1100.00} by XXXX XXXXXXXX XXXX. I advised I had JUST talked to the university and the file was sent over as {$850.00}, per the original creditors. The collection agent then demanded XXXX XXXX DOLLARS to settle the debt. This is outrageous, in excess of any allowable fees, interest, or charges allowable in my state, and a misrepresentation. The amount originally owed was also grossly misrepresented and the representative lied about the original amount sent over. These unlawful tactics need to be dealt with.
10/24/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 46237	Web
I was a student at XXXX college and paid {$5700.00} for first quarter and second quarter I took out a loan in the amount of $ XXXX.XXXX College closed their doors without notice to students. XXXX attempted to do a teach out but was denied by state XXXX XXXX. Students have lost credits which are not transferable to other colleges and we will not get our money back on previous amounts paid to that school. Never once was I informed I had a balance while attending school. They closed their doors, no one can be reached to answer questions, and they send students to collections without explanations to why balances are owed. When I contacted Key 2 recovery on the collection balance I was told by XXXX it was in my best interest to pay or it would be reported to the credit bureau. I am seeking help to resolve this issue. XXXX never notified me I had a balance thru email, mail or as a student. I think it is unfair as to the way everything with the closure has been handled and at the end we lost credits, money and now threats from a collection agency.
01/08/2022	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	KY 40517	Web
I was attending XXXX College, and at the time they were trying to get us to fill out FASFA and my mom had trouble getting certain information and we were telling XXXX were trying to get the information but couldnt get it as fast as they wanted. I stopped attending class and told them I no longer am coming and they ended up telling me well your going to have to pay for this somehow and couple months later, I got a letter in the mail stating I have to pay {$4100.00} to Key 2 Recovery, I have no clue how to get in contact with them, Im wanting to dispute because I did stop going to the classes and I pulled out. I cant get in contact with anybody, the school was very difficult and also many of us signed up wanting to be Dental Hygienist and the school later on next year came out with that program, and didnt even notify us that they would be coming with that program so instead we could have waited for the actual program we wanted to do. This is all a big mess and me not being able to get in contact with anyone, is very unprofessional.
12/06/2019	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	MI 48910	Web
XX/XX/2019. Received a call from a female representative at key2recovery. the woman was attempting to collect the debt that I owe. I told her I wasn't able to make a payment at that time. I told her that my brakes on my vehicle went out and I had to pay to have someone evicted from my home. I told her that we didn't even have money for food. She asked me if I could borrow the money and I told her no. While she was on the phone I had company and I couldn't keep telling her no so I got short and hung up the phone. XX/XX/2019. I received a text message from my bank saying that key2recovery took {$100.00} out of my account. I called key2recovery and spoke with a male who said he was the supervisor. Explain the situation to him and ask him to give my money back and he told me according to his notes that he was allowed to take my money. He wouldn't listen to me and he kept talking over me. Next, I called my bank and ask them to stop the payment. They said I would have to call back tomorrow because the payment was still pending.
10/14/2017	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	AP XXXXX	Web	Servicemember
Company : Key 2 Recovery I am currently serving in the military and was informed that the private loan I had taken through college had gone to collections under a total of {$19000.00}. I received the notification in XXXX 2016. I responded with a letter claiming the Civil Relief Act that would lower the interest to 6 % and also requested verification of the account. I received a response which listed my principal amount as being {$13000.00} and an additional debt of {$6500.00} listed as " collection cost. '' No proof of contract for the private loan was included in the correspondence. The company said nothing about honoring the Civil Relief Act. Since then, we have receiving phone calls threatening that my situation has been " escalated. '' I have not yet called to request clarification for this threatening statement. To date, my debt has been in collections for over a year. However, it has never been officially listed in my credit report. Insofar, I have not yet taken action as I question legitimacy of this account.
10/26/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78758	Web
I did n't really know which option to select. The company, key2recovery, began calling me several times a day earlier this week. I received no written notice of a debt and, when I called to see what this was in regards to, found that they were attempting to collect on a time locked debt that is several years past the statute of limitations. Much more troubling, when they " verified '' my information, they read out the last four of my SSN and my date of birth and asked me to say yes or no as to whether the information was correct rather than asking me to provide this information. I am VERY uncomfortable that this organization is providing my personal information over the phone after I provided my name only ( which is n't even my legal name any longer ). They left the name on my voicemail, meaning that, if I had changed my phone number in the past 10 years, any random person who had been left this message could have called back, provided the name from the message, and been provided my SSN and DOB.
01/30/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 604XX	Web
I'm writing to complaint to KEY 2 RECOVERY INC about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.
04/28/2023	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive notice of right to dispute	CO 80227	Web
Back in XXXX I was paying a company called XXXX XXXX XXXX who stated they are a collection agency. I submitted a complaint on here and was helped by someone in your office who notified me to stop paying them as they are not a legit Colorado collection agency. I have just received another threatening collection notice which states to pay now in full. They are trying to cover it as a private loan school debit from my college XXXX of XXXX XXXX which I graduated from XXXX years ago. I received what looks like a letter from the college noting what they state is an XXXX XXXX with the same acct # XXXX. Then the other paper is for collection payment saying to go to XXXX to make payment. When you go into the site and make an acct to see the supposed loan. It states in red to contact Key 2 Recovery- XXXX placement. It shows the same loan as an owed amt and then in a negative amount. I strongly believe this company is trying to scam me again and I need some help. Thank you for your time
02/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 492XX	Web
I sent a debt validation letter to them asking for proof that I obtained this debt and they failed to provide actual proof that I obtained this debt! Now they are stating that the information that they provided to me WAS in fact sufficient, when by law it is NOT. I asked for my signature, or a school picture ID that PROVES I attended this school to obtain this debt! They provided a ledger and a class schedule. That is it! That in NO WAY proves that I attended this school or that the debt belongs to me! It doesn't include any identifying information to prove the debt is mine! By law, they have to provide proof that I attended this school because if they don't then they can't collect this debt! Just because they say the info that they provided was sufficient DOESN'T mean it is! Any judge in the land will agree with me! And I am prepared to take this that far if they want to keep playing games and trying to bully me into paying a debt that they can not even prove is mine!
05/27/2021	Yes	Debt collection Private student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TN 37865	Web
I received a letter in the mail informing me of the debt collection from Key 2 Recovery for a little over {$7000.00}. After speaking with them initially, I told them that I could only pay a small amount due to only being part time. I also asked them on the initial call that I did not want them calling my job, since we are not allowed to take personal calls. The second time I spoke with someone, they were very rude and not understanding of my current financial situation. The woman I spoke with then asked for my work information ( name, phone number, etc ) and I refused to disclose that information and again told them that I did not want them calling my job. On XX/XX/2021 at XXXX, they called my job. I answered the phone and told them that I have told them twice to not call my job. I then went and called the company again from my personal phone and spoke with someone who then said that it just now said to not call while I was at work and the number was removed.
06/17/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	MI 482XX	Web	Servicemember
Key 2 Recovery reports a debt to my credit report in XXXX that they say has been with them since XX/XX/XXXX. Then sends a letter to my mothers house of an account that I dont have with them in late XXXX XXXX and another to my grandmothers house in early XX/XX/XXXX. I send back a letter disputing any debt with them on XXXX XX/XX/XXXX in response to the letter sent in XXXX XXXX via certified mail @ tracking # XXXX which is delivered to them by XXXX XX/XX/XXXX which requested validation of debt, proof of ownership of debt, proof of ability to collect in the state of Michigan as they are based in the state of Ohio & to only contact me via mail. The company failed to provide any of the information as requested and further continues to report to the credit bureaus as a collection on my account last seen as XXXX XX/XX/XXXX. This company is also impersonating as an internal collection of a creditor to XXXX when they are not businesses within the same state lines.
02/02/2023	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	OH 44121	Web
I enrolled at XXXX XXXX using federal funds and XXXX. I let the XXXX know that I could no longer start the XXXX. The balance was paid through XXXX XXXX and XXXX. I called the XXXX concerning this several times. There was a balance due after I notified XXXXXXXX XXXX of my XXXX XXXX status. I received a notice from my XXXXt loan servicer from XXXX showing the loan was taken out.. I had no agreement with Keys 2 Recovery nor have I acknowledged that I owe them anything. However, this collection remains on my credit report. I do not owe XXXXXXXX XXXX anything. I do not owe Keys 2 recovery anything. I do not agree with this debt collector 's actions to put this on my credit report. This also shows up as a XXXX loan on my credit report. The only notice I continue to receive is a notice saying that I owe a balance. I have disputed this account with the credit bureaus with no course of action.
04/13/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	KY 40503	Web
I have been repeatedly called from a XXXX number regarding debt owed by my brother. I ignored the unknown number the first time and they left a voicemail stating they were calling about debt owed by ( my brothers name ). I later found out they also called two other siblings trying to track down my brother. They continued to call my number so I eventually answered, told them this was not the right number and asked them not to call again. Nonetheless, they began calling again so today I answered again. The caller stated that her name was XXXX XXXX, she worked for Key2 and her number was XXXX ext XXXX. Even though I told her this was the wrong number and I had already asked not to be called again, she continued to probe and try to determine my relation to her target and push me to get him in touch with her until I eventually hung up. I want this company to stop calling me.
11/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KY 402XX	Web
I have received multiple phone calls from Key2Recovery, a debt collection agency. I received the following calls to my personal cell phone number : 2 calls on XX/XX/19 from phone number XXXX ; 3 calls on XX/XX/19 from phone number XXXX ; 1 call on XX/XX/19 from XXXX ; 1 call on XX/XX/19 from XXXX ; 1 call on XX/XX/19 from XXXX, and one call today, XX/XX/19 from XXXX. I have also received multiple calls to my place of business on XX/XX/19, XX/XX/19, and XX/XX/19. I confirmed through my date of birth and last four digits of my social security number as well as that I had never been a student at XXXX University ( the origination of the debt ) to Key2Recovery that the debt they claim to be owed does not belong to me on XX/XX/19, XX/XX/19, and XX/XX/19 and to remove my phone number from their call list and yet I continue to receive harassing phone calls.
01/06/2022	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	OH 44121	Web
I enrolled at XXXX University using federal funds and scholarships. I was XXXX assaulted and withdrew from school. I let the university know what had occurred and I could no longer start the semester. I received a bill from KEY 2 RECOVERY INC stating that I owe a balance of XXXX. I called the University and the collector to get this resolved but no one could assist me. No one sent the bill on how I could owe this. I also received a notice from my student loan servicer from XXXX showing the loan was taken out. I have not had any explanation as to why I owe when I withdrew from the courses in a timely fashion and it shows up as a student loan on my credit report. The only notice I continue to receive is a notice saying that I owe a balance. I have disputed this account with the credit bureaus with no course of action.
07/16/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	AL XXXXX	Web
All I know is I have over 2000 dollars on my credit report and these incompetent ********* are trying to tell me I enrolled in school and went a certain amount of days I most absolutely DID NOT!!! THEY PROVIDED SOME XXXX PAPER WORK THAT ANYONE COULD HAVE FILLED OUT and their reasoning is I supposedly went to this school for 60 something days which I absolutely did not! You have to go to school a number of days to even get the student loan so that's clearly what happened!!!!! Someone impersonated me and the. Dropped put when they got the money!!!! How tf was I going to school in XXXX XXXX when I lived in XXXX at the time?!?!?!?! I WANT THIS TAKEN OFF MY CREDIT BC IT IS FRAUD AND IDENTITY THEFT! I'VE BEEN DEALING WITH THIS SINCE 2010 AND I'M SICK OF IT!!!!! I WANT THIS OFF NOW!!!!!!
02/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MO 655XX	Web
Attended XXXX University XXXX in XXXX 2014, under the impression by accepting the " financial award letter '' that my schooling would be taken care of by a student loan. However, then this past XXXX, they began demanding payment in full. Including taking my XXXX tax refund. They have now began calling from the debt collector and I have asked for an attorney to assist me. I attempted contact a couple times via email, and had no success. The latest email from XXXX, and XXXX, had been pretty blunt and straight forward a blow off. On entering the school originally, I know that other students personally had problems with Al in financial aide returning or acknowledging communication. Had I been able to affor books this last year I would have went back, but was unable to. Amen I did not.
02/05/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 80260	Web
I have a remaining balance of {$3600.00} on a school bill I paid out of pocket for. Months ago, in fact almost a year ago I was contacted by Key 2 Recovery for this balance which was originally XXXX.. I have paid {$100.00} to {$250.00} a month since being contacted. At this time the past few months I have paid {$150.00} a month with no missed payments. And now they are calling me trying to state that even though the account is current and is being paid some how they state I have a hardship now against me. They are wanting me to pay a large lump some of money more then what I am paying now. File # XXXX this again is through Key 2 Recovery and the girl that is handling my account at this collection agency is named XXXX who can be reached at extension XXXX.
07/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30213	Web
on XX/XX/14 I made a call to XXXX XXXX and spoke with Manager XXXX XXXX. I explained to him the issue i gad with an account on my credit report with Key 2 Recovery. Back in XXXX I disputed the account as no knowledge of account and mandated that XXXX not just tell me the account was verified, However I requested proof that the account belonged to me, I asked for any contract showing my signature, or anything the may have to show I actually owe this debt. 30 days later I received only a letter saying verified no proof as I requested, on today when I spoke with the manager I was told the don't have to provide anything and that they actually, just take the word of what ever the creditor tells them. Therefore not investigating as required by law!
07/02/2015	Yes	Debt collection Federal student loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	IN 46227	Web
I received a letter from a company called Key 2 Recovery , Inc. in regards to a debt that I owe. The amount this so called company says I owe is {$5500.00} because of an unpaid student loan with XXXX College. Now I called this collection agency about this so called amount and they said its for a student loan. Yes I did go to XXXX College, but the money I took out was through FAFSA which deals with the DEPARTMENT OF EDUCATION. So all the student loans that I owe will be repaid through and to the Department of Education and not through a collection agency. This agency made a mistake by saying that I owe them money that I took out from FAFSA ( which goes through Department of Education ) for my college courses at XXXX College.
03/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63136	Web
The creditor advised that I have a balance. I called over the course of several days and was advised that I would have an automatic withdrawal set up to pay the balance on the account. I authorized this several times on a recorded line. Due to the agents error the payment was not processed and negatively impacted by credit score. When speaking with the supervisor he was very dismissive and intimidating. He would not address my concerns for the inaccuracies of what was reported only the balance remaining. The supervisor completely disregarded my concern and continued to attempt to collect although I advised that my information was not correct. The negligence, intimidation and disregard for the customer is appalling.
06/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	VA 227XX	Web
I have a parment arangment for my student loans that were owed to the educational facility that I attened. I have authorized and setup a automatic set payment monthly on what I could afford with in my budget, the company key XXXX recovery is the company the arangment was set with. They Continue to call and harass me about this arrangements, stating that at first it was okay but they need more now. They inappropriately tell me to seek childsupport because I 'm a single parent or to borrow the money for me to make higher payments each month. Threatening wage garnishments if I ca n't make a large percentage payment. In the matter of XXXX day between XXXXXXXXthey called me XXXX times leaving XXXX voicemails.
01/15/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MI 488XX	Web
I called Key 2 Recovery Inc at XXXX XXXX to get my account information so that I can pay off a debt. They gave me the information and I told them I would get the bill payed in full. Then at XXXX XXXX I received a call from them which I declined due to being at work. Then I received 4 more calls at XXXX, XXXX, XXXX, and XXXX. They called me 5 times within 13 minutes! That is harassment and it is NOT okay. I answered the phone on the 5th call and told the person I was working and can not make the payment until later. I use to work for a collection company. I know this is wrong, especially since I had already spoke with them and told them I will be paying. This is not acceptable.
04/28/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TN 38119	Web
On XX/XX/22 After reviewing my credit report I noticed a debt list from a company called Key 2 Recovery Inc. I contacted them by phone to speak with someone about the debt. I requested information to be sent to me about the debt I was hung up on I called back 5 times I talked to a supervisor he stated a letter was sent to my current address on XX/XX/22 requesting for me to confirm or disputed the debt. I requested for a copy of the original letter to be sent to me via certified mail. Supervisor refused and stated I will send it via email I decline again I was hung up on. I have made XXXX other attempts to contact Key 2 Recovery they pick up the phone and not say any thing.
07/04/2022	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	TN 377XX	Web
I currently pay XXXX $ every 2 weeks. I havent revived a statement every 2 weeks like Im suppose to. The last statement I got was5/17/2022. I have contacted the company several times even spoke to supervisors. They keep saying the statement has been mailed out. We confirmed they had the right address and still nothing. Tried to get in text messages the first time didnt receive nothing that way either. Im very annoyed that I can not see what is being applied to my loan and if this is not handled I will be speaking to a lawyer to have him contact the company. key 2 Recovery has been an awful experience and they need to learn how to communicate and handle problems better.
05/07/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TN XXXXX	Web	Servicemember
I attended The University ( XXXX XXXX University ) under Chapter XXXX. An assistance program for XXXX veterans until stricken with advanced congestive XXXX XXXX and hospitalized. Since the VA paid the university for my schooling i had to set up payments to repay some of the dispersed funds to the VA and did so over the course of 2 years. The university claimed that i owed them monies as well but my school was being paid for by the VA. Obviously an attempt to swindle further monies from a XXXX veteran. I have since been harassed by debt collection agency ( Key 2 recovery ) who has made negative reports to my credit and threatened further legal action against me.
08/10/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NV 89166	Web
I was contacted continuously by Key 2 Recovery telling me I owed money. During that period of time, I was unemployed so they proceed to call my mother, at her employment, multiple times to get in contact with me, even though I did not have contact with her. I was threatened they would keep calling her job until I set up a payment plan. I was forced to make a payment plan but did not know what exactly I am paying for, I just set up a {$50.00} monthly payment so that they would stop contacting my family members at their employment. I have not been provided with an itemized receipt of all my payments over the years. The balance seems to not go down at all.
03/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 22204	Web	Servicemember
XXXX is reporting an erroneous debt reported by Key 2 Recovery of {$1700.00}. This debt does not belong to me as my identity was stolen, including identification, social security card, and birth certificate. I am aware payments were made towards this account ; however, I affirm they were not made by me, from my authorized account, or on my behalf. This account of which Key 2 Recovery is collecting on in error and I have not had a relationship of any kind. As a result of the false information or accounts obtained falsely, it negatively impacts my credit, and the bureaus or the collection agencies have NOT done due diligence to verify and rectify.
04/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98004	Web
After reviewing credit reports from XXXX, XXXX, and XXXX on XXXX XX/XX/XXXX, Key 2 Recovery Inc inserted a collections entry from XX/XX/XXXX for {$390.00} from XXXX Community College. I contacted the Cashier 's Office at XXXX Community College on XXXX XX/XX/XXXX which verified there is no outstanding debt of any type. This collection entry, which is indeed the result of identity theft from the XXXX, XXXX, and XXXX data breaches, is currently in dispute with all three credit reporting services. It is because of identity theft it is necessary for all three to remove the inaccurate information at not cost, per Fair Credit Reporting Act.
10/19/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NE 681XX	Web
This company is attempting to collect a debt that I am unfamiliar with. According to my credit report they are collecting a school related debt. The period of time that they are reporting the account opening, I was not attending school. For this reason I am doubt the validity of the information they are attempting to collect. Despite doubting its validity, at this point is more important for me to have the erroneous information removed from my credit report, immediately. I am prepared to offer a settlement of {$980.00} in exchange for a complete deletion from my credit report.
10/09/2023	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37934	Web	Servicemember
Key to Recovery is constantly attempting to collect on a loan for XXXX XXXX. The only verification method used is having access to my personal information that the school had. After submitting proof that I never signed for this loan to the credit bureau, it still comes back as verified as accurate, disregarding that someone forged my name with a group of numbers. Now it is under review with the Borrower 's Defense and I will attach a copy of that in this message. XXXX XXXX did a lot of fraudulent acts at the school to collect money ad not give degrees to students.
06/29/2019	Yes	Debt collection Private student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	MA 02747	Web
This is a student loan. XXXX XXXX XXXX ( XXXX ) in Kentucky. I graduated from XXXX with a paid in full invoice. Months later XXXX contacted me about their account error of ~ {$1800.00}. I made several attempts to get explanations and during the process XXXX released to the illegeged debt to two credit collections agencies. Keys 2 Recovery and XXXX XXXX XXXX. Now the debt is {$2500.00}. I have sent letter to XXXX, Keys 2 Recovery and XXXX XXXX XXXX to only communicate by email, yet Keys 2 Recovery continues to call. The letter I sent was registered mail.
04/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98004	Web
I contacted XXXX on XXXX XX/XX/2021 to report identity theft for credit report # XXXX. However, no customer service person from XXXX was available to take down the information. Therefore, I reported identity theft to the Federal Trade Commission XXXX XXXX XXXX. Key2Recovery Inc, put an account into collections as a direct result of identity theft from the XXXX and XXXX data breaches. On XXXX XX/XX/2021, I immediately disputed the information with XXXX which did not remove the information. The dispute remains pending with XXXX and XXXX
01/14/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 33993	Web
I spoke to this company on XXXX XXXX XXXX, XXXX and informed them that this debt is almost XXXX XXXX XXXX. I was in my early XXXX 's at the time of this debt and am now almost XXXX years old. He agreed it was uncollectable and I asked him to stop calling and to not hurt my credit. He assured me he would not. The next day he calls my parents asking for me at XXXX XXXX XXXX obviously trying to embarrass me into paying a XXXX XXXX XXXX debt. He was told not to call on XXXX yet called my parents anyway the next day.
08/09/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NE XXXXX	Web
Hello, I am reaching out to get more information about a debt so that I can be fully informed. I have recently pulled my report and see this debt collector furnishing a derogatory account on my report ultimately tarnishing and ruining my reputation. They are also prohibiting me from extending credit as well. I am asking for this company to comply with the information in the attached document so that I can be fully aware of this debt to better help me make an informed decision about my next steps with this debt.
11/10/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 449XX	Web
XXXX XXXX did not provide quality product or services as agreed upon originally. Also, did not disclose all terms upfront in original agreement. Specifically, that some courses require proctor services that the student is responsible for paying not the institution. These are services they are imposing why is the financial responsibility on the student? If XXXX would have disclosed this upfront I would not have continued there. Then charged lates fees on to the amount owed to ultimately increase the balance.
11/03/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 43609	Web	Servicemember
On XX/XX/2021 I sent XXXX XXXX XXXX a letter to settle the alleged debt but they ignored me and within a few weeks hired a company to collect the debt ( Key 2 Recovery ). According to federal codes & laws ( which overpowers state laws ), It's against the law to attempt to collect a debt unless one is a US attorney and has a contract to lawfully collect debt. This is false and misleading representation. Also, XXXX XXXX XXXX and Key 2 Recovery are both conspiring against me which breaks 18 USC 241.
07/06/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IN 46239	Web
I have an outstanding debt to XXXX University. The last information I received from XXXX University is that I owed approximately XXXX for a debt for courses that I took at the university. I called Key Recovery and asked about the debt in XX/XX/2017. I was told I owed XXXX. I asked why was there a difference between what I owed XXXX and the amount that I was quoted. I was not given a response and I was not sent a written copy of the bill that included the extra charges and what they were for.
06/11/2021	Yes	Debt collection Private student loan debt	Communication tactics Used obscene, profane, or other abusive language	NE 68105	Web
There is no valid option available for my complaint, but I was directed to cfpb from the ftc website on this issue. When communicating with Key 2 Recovery, Inc, they directed me to their website XXXX which accepts customer information without use of https, TLS, or any other form of transport encryption which violates PCI DSS requirements. When I attempted to notify the merchant directly, the representatives were rude, refused to field my question, and did not escalate my call to a manager.
06/29/2023	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	FL 337XX	Web
Key 2 Recovery calls incessantly every few months claiming that I have unpaid student loan debt to XXXX XXXX University of about {$3000.00}. I called XXXX XXXX University and confirmed that I have no outstanding debt and that they have never forwarded any of my information to Key 2 Recovery. I have informed Key 2 Recovery of this multiple times but still receive phone calls. They either have me confused with a different student of the same name, or are falsely claiming that I owe debt.
09/06/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48310	Web	Older American
Im receiving an collection notice from Key 2 Recovery. This debt was proven to be a fraudulent loan taken out by someone that stole my identity. I received clearance notices from the loan company ( XXXX ) and the Department of Education. This debt was proven to be fraudulent, now Im being harassed by debt collectors representing the college I never attended. XXXX XXXX XXXX.for XXXX. This is a proven fraudulent case. Im still being harassed after almost 6 years. Please help. XXXX XXXX
07/10/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL XXXXX	Web
The account was opened on XX/XX/2018 in the amount of {$2300.00}. I am a victim of identity theft and have been battling it for years. I finally had most of the fraudulent accounts closed and taken off my credit report, but then I wake up and see this. I worked very hard to get my XXXX score to a XXXX ; but yet again, another fraudulent bill shows up and drops my score by 52 points! this is NOT me. I don't know who is doing this, but it needs to be taken off because its fraud.
11/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 070XX	Web
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
04/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MI 48310	Web	Older American
A student loan was fraudulently taken out in my name ( spelled incorrectly ) ( with wrong address ) For XXXX XXXX XXXX. I have been trying to have the fraudulent information removed from my credit reports. The loan ( though XXXX was proven to be fraudulent was removed from my reports ) Now XXXX XXXX XXXX has forwarded the account to a credit agency, I have repeatedly explained this is a fraudulent account, since 2017, it is still on the reports.
07/31/2023	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	TX 799XX	Web	Servicemember
Key 2 recovery Ice, contacted me about XXXX owed to XXXX XXXX University. I had contacted Covid 19 and was unable to attend classes. The class were already paid for with federal student loans. The University advised me that I had not canceled in the right time frame. This was incorrect, I canceled the classes several times. The amount was paid for by my student loans and I canceled the classes. I university is attempting to get paid twice.
02/23/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94519	Web
I have been getting daily calls from the company Key 2 Recovery about a debt owed by somebody else. I have no idea who the person who the debt belongs to is. I have twice called the company back to inform them that I am not the person who owes them money and to remove my number from the account. The second time I spoke to a manager and she assured me the issue would be taken care of, yet the next day I still received a call from them.
09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06513	Web
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 a section 2also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
02/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48601	Web
As of XXXX key 2 recovery for amount {$250.00} was reporting this account to my consumer report see attached documents they removed and it is no longer reporting to XXXX. They are currently reporting to my XXXX XXXX and they are stating false and misleading information claiming that it is verified when it has already been removed. You are in violation and the information that is being reported is inaccurate.
06/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 370XX	Web
XX/XX/2021 received a call from debt collection of key recovery disclosing that they will take legal action against me about a debt. That was my first day being notified of any debt being owed, no written communication has been sent to address about debt so that it could be asked to verified. I do not appreciate the repeated calls and ask that written communication be the only form of contact at the moment.
10/26/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NJ 070XX	Web
I receive calls from a " XXXX '' representing " Keys to '' or " 2 '' looking for a XXXX XXXX who I am not. I have explained to this " XXXX '' several times over several phone calls that I do not know who this XXXX XXXX nor do I know how to reach him. I asked repeatedly told her to stop calling me as this is harassment. She previously stated that she would take me off her list but she obviously has not.
07/20/2021	Yes	Student loan Private student loan	Incorrect information on your report Information belongs to someone else	OH 440XX	Web
KEY 2 RECOVERY INC Date opened XX/XX/XXXX Status Collection account. {$5.00}, XXXX past due as of XX/XX/XXXX. Balance {$5200.00} Original creditor INDIANA XXXX UNIVERSITY Reached out to company to get debt cleared as I dropped out of college and later that day they added this debt to my name the same day I dropped out. Never went to any classes. This is not my debt as I never attended and dropped out
06/27/2022	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	VA 201XX	Web	Servicemember
key2recovery.com keeps calling me asking for my brother after I have told them numerous times I am not him and have told them numerous times to stop calling or I would report them for harassment. it's ridiculous they are calling my brother isn't even out of college yet and doesn't have to start paying on his XXXX loans until XXXX and they are already trying to call him harassing me in doing so.
07/07/2023	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	FL 337XX	Web
Key 2 Recovery has kept calling me this week even after I submitted a complaint to CFPB and they responded saying they have no record of me owing any debt. They called again this morning, I explained the situation and confirmed once again with them that my social security number is not the one associated with the debt they are trying to collect. At this point I consider it harassment.
09/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IN 46544	Web
This debt was created in XXXX and I filed bankruptcy in XXXX. This debt was included in the bankruptcy and should no longer be in my report. They have created a new debt on my account as of last month. I am 18 days away from closing and this is my only collection on my credit. Which is false. Please help me fix this off of my credit so that it does not affect my mortgage.
06/27/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60046	Web	Servicemember
XXXX XXXX XXXX may be calling you from XXXX ( XXXX ) XXXX XXXX to collect a debt. Submit a complaint and learn your rights FOR FREE today! There tactics are deceiving. I do not know what this is about. I am already receiving debt collection letters in the mail. Ive submitted a forwarding address with the US Postal Service. Im retired now, theyll have to wait their turn.
03/03/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 64050	Web	Servicemember
This debt just randomly landed on my credit report. The debt collector stated that the debt was created on XX/XX/2021. I have received no contact via email, phone, or postal mail about owing money on this debt, or that it was in existence. I did not receive the opportunity to verify that this was my debt. I am not going to pay a debt that was never confirmed to be my own.
04/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IN 46229	Web
Previously I filed COMPLAINT ID XXXX in XX/XX/2021. The company responded that after contacting their client, the closed the account in their office. I have tried to get XXXX to remove this collection item from my credit report since it is not owed to their office but they refuse. I disputed with the cresit Bureaus and XXXX still has this listed as an active collection.
02/06/2020	Yes	Debt collection Private student loan debt	Communication tactics Used obscene, profane, or other abusive language	KY 40223	Web
After I questioned the company 's process on settlement of my debt, the representative snapped back at me, cutting me off, and telling me that I was rude and disrespectful, then hung up. ( After I called the collector and made a generous offer to settle my debt which was immediately not entertained. ) I immediately felt harassed and lied to about my own behavior.
06/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IN 46254	Web
I disputed key 2 recovery ( Indiana XXXX ) with XXXX XXXX on my credit report that was discharged as part of my bankruptcy. I provided court documentation to XXXX after contacting this company XXXX XX/XX/XXXX. This item was discharged XXXX of XXXX but continues to remain on my credit report even though its been established that I am not liable for the debt.
05/31/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IN 47909	Web
XX/XX/2019 I received a letter from Key Recovery stating that I owed {$6500.00} to XXXX XXXX. I emailed Key Recovery on XX/XX/2019 to find out more information and never had a response. I contacted XXXX XXXX who stated and provided proof that my balance is only {$4400.00} with them. Key Recovery is charging me {$2100.00} in fee 's.
05/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 630XX	Web
Key 2 Recovery INC are attempting to EXTORT me and DESTROY my name as well as credit. Key 2 Recovery and I have never entered into any contractual agreement. They are attempting to EXTORT me out of {$670.00}, in doing so they have been calling harassing, bulling, and threatening me and my family about this fraudulent debt.
06/28/2021	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	NE 681XX	Web
I recently received correspondence from XXXX University that they were not attempting to collect on this alleged debt and I am not sure why Keys 2 Recovery is Attempting collect on. I have recently sent a cease and desist along with a request for an audit trail and have not received any correspondence from Keys 2 Recovery.
03/02/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 31558	Web
Key 2 recovery inc. sent my account to collections. I have not received any notice via mail or phone regarding the balance. When I have reached out to them they fail to return my calls or emails. They reported my account to XXXX however they made no attempt to contact me to settle the matter. The account is 6 years old.
06/08/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 464XX	Web	Servicemember
I had XXXX and it affective my health, I was unable to do anything for myself at the time these account got establish.At the time someone had to steal my identity, I did not authorize no one to use my personal information. The is fraud and I would like these account to be remove immediately. please and thank you!
01/30/2018	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 488XX	Web
I was working with XXXX XXXX XXXX on a XXXX student loan debt. I asked if they would not contact me until after XXXX an calls still came at anytime almost everyday leaving a voicemail everyday. I spoke with a manager today day who said if I dont work worth them I will have a problem which is very threatening.
10/16/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	OH 43081	Web
I have never given this company my work phone number as I am not only not permitted to receive personal calls while working, but also I was not employed by them at the time that I was in school. I have asked to stop calling my work phone and they repeatedly call the receptionist to be transferred to me.
02/21/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CT 06489	Web
Key 2 Recovery has harassed me via phone with repeated calls after request to cease and desist. Key 2 Recovery has attempted to collect a debt claiming incorrect inflated amounts. Key 2 Recovery has been informed that the debt is under repayment with the original lender, but still tries to collect
06/21/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	MI 482XX	Web	Servicemember
Key 2 Recovery is attempting to collect on a debt that is invalid. I received a XXXX XXXX XXXX and they are collecting for a debt with XXXX XXXX XXXX. Yet when I called the Federal Student Aid phone number provided by an employee of XXXX, XXXX says there is no record of me in there system at all.
07/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06002	Web
In accordance with the fair credit XXXX acct # XXXX as violated my rights. 15 U.S.C 1681 section 602 A, states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
02/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 492XX	Web
I sent them a debt validation letter and their response was not an adequate validation of the debt. I have tried to upload the many documents I have including the certified mail tracking. It will not let me upload. Please contact me to get these documents for your investigation.
08/02/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MO 652XX	Web
This debt recovery business contacted 2 relatives ( embarrassing/humiliating ) and left a message for me on the very same day. I do think the individual said her name was Mrs XXXX (? ). Phone : XXXX ext. XXXX Left message for my sister in laws. Totally embarrassing.
07/20/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 152XX	Web
Key 2 Recovery has repeatedly called me on my work number. From the number XXXX XXXX XXXX XXXX. At one point they were calling every day. I can't have my work line tied up with this type of call when it could interrupt customer support.
05/19/2018	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	WA 989XX	Web
Key2recovery and XXXX XXXX XXXX say they own my debt. I started paying key2recovery then on XX/XX/XXXX I was mailed a letter from centeral portfolio stating I owed them the same debt. I started paying Key2recovery on XX/XX/XXXX
03/01/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	TX 751XX	Web
XXXX XXXX with Key to recovery has been calling my employer since XX/XX/2022. I have called and left him a message to cease contacting my work on XX/XX/XXXX and today XX/XX/2022 to send me correspondence through mail.
10/05/2018	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	IN 462XX	Web
Key 2 recovery was hired by XXXX XXXX to collect a debt. Key 2 recovery added {$1600.00} to the balance stating that's what they charges and so that amount has to be paid. They are now reporting to the credit bureaus
08/04/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77406	Web
The account manager repeatedly called my number several times everyday. The account manager also left messages regarding my debt over a voicemail violating my privacy. I will attach a sample of a voice mail.
09/01/2021	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 76006	Web
Did not receive any notification that this would be put on my credit. No phone calls, no emails, nothing. I reached out after seeing it was on my credit and was made aware at that time.
06/22/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	MI 482XX	Web	Servicemember
Key 2 Recovery has blatantly ignored the screenshot previously uploaded so I shall be submitting another complaint for the Federal Pell Grant they are attempting to collect for.
08/04/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77406	Web
I had been in contact with the company regarding an outstanding debt. The account manager took it upon himself afterwards to call my relative out of state to discuss the debt.
10/17/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CT 06489	Web
Key to recovery is charging interest on a debt that they don't own. They report over {$1000.00} more than owed. The debt is currently in repayment with the original creditor.
10/18/2019	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	KY 40509	Web
They been taking money out of my account and its been non consistent payment types ones its XXXX $ then its XXXX . But non of this is showing the report on my credit report
01/18/2023	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	TN 37138	Web
I've had numerous calls in the last 3 months from this number. They have my name, and say they are trying to collect a debt for a university I've never heard of.
11/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77478	Web
I was checking my credit report and realized I had 2 collections I did not recognize where they were from. I am a victim of identity fraud with many inquiries.
04/25/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	IL 61201	Web	Servicemember
Key 2 recovery is constantly trying to contact me at my place of business. I have emailed them stating to stop contacting me at work.
12/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30224	Web
This account is showing on my credit report and I have asked for proof and not getting any where with the creditors or the bureaus
01/25/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29505	Web	Servicemember
I do not have a debt with Key2Recovery. I am constantly receiving phone calls all time of the day. I just want it to stop.
06/29/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	MI 482XX	Web	Servicemember
Proof of Federal Pell Grant as previously complaint stated in more detailed form.
06/22/2021	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	OH 43613	Web
Nothing, they still want to call
02/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43213	Web

01/30/2024	Yes	Debt collection Private student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	NJ 07422	Web

01/21/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31719	Web

12/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30039	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78653	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 631XX	Web

12/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29651	Web

12/12/2023	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 32909	Web	Servicemember

12/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29429	Web

11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30052	Web

11/17/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CT 06514	Phone

11/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27976	Web

10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38109	Web

10/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78653	Web

08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75603	Web

08/09/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VT 05676	Web

06/26/2023	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NC 27127	Web

05/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 43085	Web	Servicemember

04/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DC 20019	Web

04/08/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 43110	Web

09/28/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	GA 31794	Web

08/03/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you instead of your attorney	TN 38016	Web

07/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63114	Phone

11/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38115	Web

11/19/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	LA 70582	Web

11/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70582	Web

11/12/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	LA 70582	Web

10/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TN 37130	Web

09/13/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 64119	Web

07/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77494	Web

07/01/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48377	Web

06/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CO 80909	Web	Servicemember

06/15/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	KY 40245	Phone

06/08/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19139	Web

04/19/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CT 06401	Web

03/23/2021	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	TN 37336	Web

03/19/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	IN 46229	Web

02/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32305	Web

10/27/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	OH 43230	Web

07/18/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	MS 38963	Web

04/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30096	Web

04/02/2020	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	IN 46835	Web	Servicemember

01/16/2020	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NE 68128	Web

11/08/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	PA 17055	Web

10/22/2019	Yes	Debt collection Private student loan debt	Communication tactics Called before 8am or after 9pm	AZ 85251	Web

06/05/2019	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37821	Web

04/09/2019	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	FL 33345	Web

02/14/2019	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	MD 20747	Web

02/01/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07748	Web	Servicemember

10/30/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	AZ 85040	Web

10/24/2018	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 46064	Web	Servicemember

10/24/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	PA 15066	Web

08/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31763	Web

07/19/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	IN 46226	Web

02/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95826	Web

12/19/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80825	Web	Servicemember

11/20/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WA 98682	Web

10/04/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DC 20002	Postal mail

03/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	MO 63088	Web

03/03/2017	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	OH 45216	Web

01/16/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98498	Web

12/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48843	Web

11/08/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Keep getting calls about my loan	IN 46545	Web

10/06/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	KY 40047	Web

09/15/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Need information about my balance/terms	IN 46808	Web

09/06/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	OH 44615	Web

08/29/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MS 63112	Referral

03/21/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	AZ 85340	Web	Servicemember

02/03/2016	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	KY 41858	Web

12/21/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76522	Phone	Older American, Servicemember

10/05/2015	Yes	Student loan Non-federal student loan	Can't repay my loan Can't decrease my monthly payments	TN 37738	Phone

09/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	IL 60613	Web

07/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated shouldn't respond to lawsuit	GA 30265	Web

06/09/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	NY 10039	Web

05/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TN 38111	Phone

04/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MD 20785	Referral

04/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	OH 45103	Phone

02/26/2015	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	AP 96385	Web	Servicemember

01/16/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 20903	Web

12/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	KY 42718	Web

12/11/2014	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	WA 98032	Web

11/22/2014	Yes	Debt collection Non-federal student loan	Communication tactics Threatened to take legal action	IN 46069	Web

10/06/2014	Yes	Debt collection Non-federal student loan	Communication tactics Used obscene/profane/abusive language		Phone

08/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	TX 77386	Web

08/11/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CT 06095	Web

07/07/2014	Yes	Debt collection Non-federal student loan	Communication tactics Threatened to take legal action	MO 65101	Phone

05/30/2014	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	OH 45011	Web	Servicemember

03/29/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OH 43725	Web

03/21/2014	Yes	Debt collection Non-federal student loan	Communication tactics Threatened to take legal action	VA 23435	Web	Servicemember