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Key 2 Recovery

201 N Brookwood Ave, Hamilton, Ohio, United States, 45013

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Reviews Collections Agencies Key 2 Recovery

Key 2 Recovery Reviews (%countItem)

This place is the worst! I've only received two account statements from them the entire time they had my debt. Once I paid it off, they told me I could not get an account statement because my account is closed. Now I have no proof of payment because they will not provide a "paid in full" letter. The worst part is, they told me if I paid it off right then they would provide a letter. I had to wait for the payment to post so I called back a couple of? days later only for them to tell me that they wouldn't provide anything. Ridiculous!

I keep receiving calls from this place trying to collect on a debt that is 8 years old. When trying to get any other info they hang up on me. Every. Time. I have not been boligerant, nor disrespectful, as it looks on others' reviews, like thats a popular excuse this "company" likes to use to defend their actions....although I am curious to know how they can definitively respond to each of these reviews in ', with the minimal information that's given by the reviewer on this site.

I am currently enrolled in school and they told me that it was for a school debt. As far as I knew I didn't have to pay anything until 6 months after I graduated. Key 2 Recovery keeps blowing up my phone at all hours of the day after I had told them I'm currently enrolled in school. It needs to stop. My debt will be resolved once I am graduated from college.

Key 2 Recovery Response • Feb 28, 2020

Complainant is not enrolled at *** which is where the debt originates. There is no in-school deferment for student receivables, only for federal loans through the Department of Education. This debt is from her prior attendance at her former institution and is past due and payable immediately. Please contact our office toll free at . We will be happy to assist you in making arrangements for payment.

Customer Response • Feb 28, 2020

Revdex.com:

I have reviewed the response made by the business in reference to complaint ID, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Regards

This company called me for a debt owed to my husbands ***. My husband just graduated and completed *** on 12/5/19. This company stated they have had the bill in their office since August which is false because I was still in *** and I can verify that (i sent them evidence of my husbands *** schedule, commencement date and last day of class as well as an email from his financial aid office). He told me the amount was $1000 more than what it was and I told him that that was indeed not true and sent him the email from the financial aid office with the correct amount included. I told Carman that he has his own phone and could call him on it and I also gave him the number. I told Carman to not call my phone anymore in reference to that debt because the *** is looking into this as well. It is so not necessary for them to harass me in the manner that they are.

Key 2 Recovery Response • Jan 20, 2020

Complainant's account was placed in our office for collection on 8/28/19 in an amount of $4373.33. Collection costs were added to his account in accordance with the contract he entered into with the Institution. On 9/27/19 they asked us to placed all collection activity on hold since they were allowing him to re-enroll in *** with an outstanding balance. On 12/13/19 they let us know that the *** was demanding payment in full by 12/23/19 since the debtor had graduated and if no payment was received we were to again attempt collection action. At the time the debtor had the opportunity to pay only the principal balance but failed to do so. The entire amount is now past due. Ohio is a state with lawful spousal consent. This debtor's account was discussed with the spouse on 12/31/19.

Customer Response • Jan 20, 2020

Revdex.com:

I have reviewed the response made by the business in reference to complaint ID, and have determined that this does not resolve my complaint. For your reference,

details of the offer I reviewed appear below.

I don't want this company contacting me. I gave them my husbands number to call so call him

They continue to call several times a day. We also notified the *** and have sent Key2Recovery the amount during and what they are saying is not correct and we showed proof. He just graduated last month and they were calling before his degree was even received. This company harasses people and need to stop! Annoying

Regards

Key 2 Recovery Response • Jan 22, 2020

The claims made in complainants response are patently untrue. Since we spoke to her on 12/31/19 we have only made one attempt to contact her husband at the number she provided us and left a message on 1/14/20. There has been no additional contact made with her or her husband and her number is not even in our system. Perhaps she is confused by the receipt of calls from other collection companies. The best way so stop all contact is for her husband to contact us toll free at *** and construct payment arrangements he can afford to meet his outstanding obligation.

Customer Response • Jan 22, 2020

Revdex.com:

I have reviewed the response made by the business in reference to complaint ID, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[To assist us in bringing this matter to a close, we would like to know your view on the matter. Type your reasons here.] *** and *** gave this company my number. I clearly gave Cameron my husbands phone number at when he called my phone. This company continues to tell untrue facts. The amount they say is owed is not owed. I have attached the same email that was sent from *** that was forwarded to Cameron. The *** is also looking into my balance because he was offered a scholarship to take care of the balance and it has not been fully applied yet. I have had exchanges before with this same company for falsified debts or debts not truly owed and we will NOT go through this again with this company. I have several call logs from them and the statement that it is other debt collectors is totally false. Get your facts together Key2 Recovery before you make false statements. Thanks in Advance.

Regards

Key 2 Recovery Response • Jan 24, 2020

Again, complainant has been provided the total balance including collection costs per her husbands contract with the ***. We have confirmed this balance with the institution. She continues to state her husband only owes the principal balance without the penalties which is untrue.Additionally, she incorrectly states that she has had other contacts with us regarding fraudulent balances on accounts that are not owed. This is also untrue. We have had no contact with her about any accounts other than her husbands. Lastly, she incorrectly states we have been harassing her through repeated phone calls about this debt. We have only called one time and left a voice mail on 1/14/20 since we last spoke to her on 12/31/19. This will be the last response we make to any additional Revdex.com inquiry from this complainant due to her misrepresentation of the facts. Her embellishment of the situation and false statements will not make her husbands debt disappear. We continue to stand ready to work with her husband to establish payments to satisfy his outstanding debt with *** & *** but he has made no effort to do so. Our toll free number is ***.

Customer Response • Jan 24, 2020

Revdex.com:

I have reviewed the response made by the business in reference to complaint ID, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[To assist us in bringing this matter to a close, we would like to know your view on the matter. Type your reasons here.] Again, I have previously attached the balance stated owed from *** and *** to the the Revdex.com as well as forwarded a copy to Cameron. I also attached the phone record showing how many times your company has called me. The principal balance stated int he email and on the transaction report from *** stated $1000 less than what Key22Recovery is stating is owed. If there are additional charges, please forward that to the *** for a break down of why an additional $1000 is pwed. Again, I do NOT want Key2Recovery calling me. I gave them my husbands number and moving forward, do not contact me AGAIN. I am sending a cease and desist order to this company. I would not have made this complaint if I didnt feel they were out of order. This is an honest debt that is owed and will be made in due time. He literally just finished *** 30 days ago and it was reported right after that. The email sent by the *** was sent on 12/22/2019 as indicated to Key2Recovery in previous conversations. *** also admitted they gave my number to Key2Recovery because they had my old number so who is lying? The false statements that Key2Recovery continue to make in their rebuttal is just so they can have something to say and are totally false. I have evidence of the correct bill amount told to my husband that he owes and that's what he will pay. Whatever other charges they are adding, they need to send a complete detail account from U of the additional charges because their detail sheet and amount does not have that on there. Key2Recovery needs to just agree to not contact me. It is that simple. Thats it. Thats all. No need for the back and forth. Grow up. This is a business. Leave me alone. Mr. contact information is . Leave a message.

Regards

Key 2 Recovery Response • Feb 13, 2020

Please instruct your husband to contact our office toll free at to pay his bill.

Customer Response • Feb 20, 2020

Revdex.com:

I have reviewed the response made by the business in reference to complaint ID, and find that this resolution is satisfactory to me. He will contact *** and *** to correct the amount and make a payment when he can. Thank you.
Regards

from Key2Recovery acts like a tough guy on the phone. Harassing, threatening and demanding money for a debt that *** and Key2Recovery cannot prove that they own. *** or Key2Recovery have never provided proof that either one of them own the debt.

A low level employee trying to make a name for himself. I hope he is just an employee and does not have anyone working "for" him.

Key 2 Recovery Response • Dec 20, 2019

Complainant's account was placed in our office for collection by our client, *** on 7/29/19 with a balance of $2208.00. We DO NOT own this debt. We are hired by *** to collect this debt on their behalf which has been communicated to the debtor on multiple occaisions. This receivable balance originated from education services provided to complainant by *** that were not paid for or were created by the return of financial aid to the US Department of Education due to complainant's drop or withdrawl from school. We have made 15 total attempts to contact complainant and have spoken with him 4 times. The first contact occured on 9/3/19 when he called our office after receiving a letter we sent him. In this call we explained our role and the nature of his debt. He became beliggerent and wished us luck in trying to collected his debt, stated he had no intention to pay, did not care about his credit and dared us to garnish his wages. He actually offered to settle the amount for one dollar which as he stated "was worth more than the education he received". On 9/4/19 we received an email from him disputing the debt and on 9/5/19 we requested documentation validating the debt and the balance from our client. We received that on 9/6/19 and send the validation of the debt to him via mail on that date. On 9/11/19 we received another email from the debtor stating that the validation does not prove we "own" the debt. He hung up on our agent on 9/16/19 when we attempted to contact him. We again explained to him in a phone conversation on 9/17/19 the nature of our relationship with *** and that we did not own his debt. He became abusive with our agent, talking over them and again offered to settle the debt for $1. One the date of this complaint (12/19/19) he called our office twice, and both times refused to fully identify himself. Our agent cannot discuss his defaulted account with him if we cannot assure we are speaking with the right party. At this point, complainant's debt remains on the credit bureau, holds will remain on his transcripts and re-enrollment is blocked, and his account remains open and in active collection in our office. We are happy to discuss reasonable payment arrangement options complainant can afford and he may call our office toll free at . So far he has chosen to shirk his responsibility, to be caustic and abusive with our agents, and play games with regard to his obligation. *** will not be fired. He, as with all of our agents, dealt with this debtor in a professional, courteous and respectful manner as they always do.

I got a deliquent account from them when I never even got a bill. It is ruining my credit I have worked hard to build the last year.

Key 2 Recovery Response • Dec 10, 2019

We requested a detailed student ledger showing all of the charges and payments on her account from our client, *** on 12/6/19. We received that documentation and forwarded it to complainant on 12/9/19 via email.

Customer Response • Dec 27, 2019

Revdex.com:

I have reviewed the response made by the business in reference to complaint ID, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[To assist us in bringing this matter to a close, we would like to know your view on the matter. Type your reasons here.]

Regards,

***

ComplaintInboxx*** <***>Tue, Dec 10, 4:11 PMto meTo whom it may concern,I have called this Key to Recovery twice. I have no bills or statements from these people. I attended the *** in 2012 my student loans and financial aid covered my tuition fees. I never received an Email from this after talking to them December 5th he clearly stated he would show me proof he sent me a bill. I still yet to receive any. They attacked my credit score and did not give me a chance to make it right.Thank you for your time and help

ComplainInboxx*** <***>Tue, Dec 17, 11:22 AM (10 days ago)to meI just received a harassing phone call from Key 2 Recovery. The woman who called me was very rude. They are calling me during working hours.

Key 2 Recovery Response • Dec 30, 2019

Attached is the supporting documentation validating complainant's debt that was emailed to her on 12/9/19 to the email she provided us in the 12/5/19 contact with her. It is also being copied to the same email address she attached to this complaint so there can now be no confusion about this debt or the delivery and contents of the supporting documents. She may feel free to contact our office toll free at to arrange for payment of her debt.

I finished my last payment and the are refusing to give me a receipt. That litterally all I need and they are making it impossible.

paid debt in full and they are still trying to get money from me

Key 2 Recovery Response • Nov 05, 2019

Complainant's account was placed in our office for collection on 8/15/19 in an amount of $2166.52 by our client, ***. We spoke with complainant on 8/22/19 when she stated she has already paid her Federal Loans. We explained that this balance had nothing to do with her federal loans and were due to a receivable balance due the school when she separated from the institution. She mailed us proof of payment for a loan she had with the US Department of Education but she did not pay this account. We mailed her documents validating the debt and supporting the balance due on 8/28/19. On 9/5/19 she again provided proof of her payment of her federal loans in an attempt to claim she has paid this debt in full. On 11/4/19 we again provided her with her student ledger and enrollment agreement with the institution by email showing the amount due and that she agreed to pay the school for the charges she incurred through her attendance there. That documentation is attached. This amount remains due and payable and will remain on her credit bureau until removed or until payment in full is received. We are happy to work with complainant to establish partial payment arrangements, and she may feel free to call our office toll free at for assistance.

The issue I have is that I was trying to work with them and set up a payment plan. The company took out more money than what I agreed to pay. I called them then the representative sent me to her supervisor, the supervisor said he will call me back but never did. I called back to speak to the same supervisor then he said it was nothing he can do and that he read the notes and spoke to the rep I spoke to originally. I ask for him to pull the call and he said he can not do that but how would I like to take care of the remaining balance. I said I'm willing to work with you but I would like my money back then I will pay the correct amount. The sup then repeated the same statement "how would I like to take care of the remaining balance". I then asked to speak to his manager or someone high then him. The answer I got back was that there is no one in the office higher than me, I asked can I speak to somebody in HR. (repeated) "How would I like to take care of the remaining balance". I told him I got his answer but can speak to someone above you. The Sup then said I am disconnecting this call and hung up on me.

Key 2 Recovery Response • Oct 31, 2019

Complainant's account was placed in our office for collection in an amount of $400.29 by our client, *** on 10/26/18. We spoke with complainant on 11/13/18 and he promised to call us back the following day to make payment arrangements. He broke that promise. We called him again on 11/16/18 at work and he promised to call back the following day and make payment arrangements. He broke that promise and never called us back. We spoke with him again on 3/19/19 and he promised to call us back in just a few minutes. Another broken promise. He finally called us back on 8/30/19 and wanted to begin making payments. He stated he wanted to pay his balance off in around 5 months. He said he would only afford a $25.00 payment on that day but he wanted to make $100 monthly payments going forward. It was the debtor that proposed this arrangement, not Key2. This was clearly restated on the call with him and our agent even went over when each subsequent payment would be due and the amount, which he agreed to. He was set up for payments of $25.00 on 8/30/19, $100.00 on 9/30/19, 10/30/19, 11/30/19 and $75.29 on 12/30/19. His initial payment in August cleared. The September payment declined due to insufficient funds. We attempted to process his October payment and it cleared. Complainant has since called our office and attempted to reduce his payment amounts and wanted to speak with a supervisor. He was transferred to the most senior level agent available. We have gone above and beyond to assist this debtor in getting his account resolved but his repeated broken committments has made this extremely difficult. His account remains due and payable and significantly in arrears. It will remain on his credit bureau until it is paid in full.

I recieved a phone call like any other from a bill collector. Stating its being recorded, and attempt to collect a debt. The lady on the phone had me on speaker phone, which echoed so bad I could barely think straight. She told me I had an outstanding balance from the *** of *** in . ***. I said that bill was paid up. To my recollection, it is. Back in 2010 it was paid. She was trying to get me to set up a payment plan, and I obviously refused, I am firm on not giving out my information to random people. She tried super hard to have me make a payment, but I did not cave. There was a gentleman in the background telling her everything to say to my rude and ubsurd responses. I know how collections work. They bill and bill you, and if they want, they take you to court. I am already being garnished, so I told the lady on the phone, I have already disputed this matter, but if it says I owe them money, then they need to take me to court. That way we can set up garnishment. All this worried me, so I opened up my *** and well and behold, I have two closed accounts with ***, my loans from ***. Both closed, one of which October 13, 2010. And the other February 1, 2010. This is what I believe to be a scam, and I looked up reviews about Key 2 Recovery, and found MANY innocent people being shammed. Please, investigate this institution. Poor college kids who are trying to better themselves are innocent enough to pay off their debts. And are recieving no reciept of payment for their "tuition" money.

Key 2 Recovery Response • Oct 24, 2019

Rest assured we are not a fraud or a scam and no "innocent people are being shammed" as complainant states. This is attested to by our A rating with the Revdex.com. We perform collection activitites for hundreds of colleges and universities all over the US and speak with hundreds of thousands of "poor college kids" in an attempt to help them out of a bad financial situation they have created for themselves. Complainant is correct, this debt dates back to 2009 and was placed in our office for collection by our client, *** of *** on November 23, 2015 in an amount of $5142.93. Over the years USF, as well as other collection agencies have made numerous attempts to contact complainant to collect this debt. This debt is not a loan and has nothing to do with complainant's other studnet loans which were originated through *** or any other financial aid she received. This debt is for a receivable balance due and payable to the institution when she left. A complete student ledger detailing all of the the charges she incurred is attached to this response. If she has questions about specific charges she may contact the ***. We are not reporting this account to the *** Bureaus which is why complainant did not see it through her *** account. That does not mean it does not exist and is not owed. Typically, it is not in the debtor's best interest to merely sue them for the balance, obtaining a judgment which is usually in place for 10 years or more, and involuntarily garnishing their wages instead of allowing the debtor to make small, affordable monthly payments, to satisfy the debt over time. We are happy to work with complainant to establish payment arrangements and will not garnish her wages. She may feel free to contact us toll free at to speak with one of our agents once she has an opportunity to review the student ledger validating the debt.

Would have given a zero stars if that was possible. I have argued with them for months. I asked for proof of the debt they say I owe and they claim they have sent it many times but I have not received any factual paperwork ever. They claim they have emailed the information, mailed the information but it never comes, just a stupid form letter saying I owe $1900. This company doesn't seem to have their stuff together at all and have now put this as a derogatory on my credit report. I really don't see how it's so difficult to sent me information backing up what they say but it was super easy to damage my credit report.

Key 2 Recovery Response • Aug 29, 2019

Delivery confirmations have been received from multiple emails sent to complainant containing documentation valdating her debt. She should check her spam folder. Perhaps her email tool has quarantined the file. If she would like complainant may email [email protected] and we will respond to her email to ensure delivery of her supporting documentation.

This company is calling me stating I owe money to a college. When I asked for verification of the debt, they sent me a computer print out of a page with numbers on it and no explanation of anything. When I asked them to explain the letter they became irate.

Key 2 Recovery Response • Aug 19, 2019

Complainant's account was placed in our office 5/8/19. Upon our first contact with him he requested validation of his debt with our client, ***. By law, we requested documentation sufficient to support the nature of the debt and the balance that he owes. That documentation was received by our client and provided to him on 5/29/19. He again requested that he be identified on the documentation, even though that information was provided in the initial provision. Validation was again obtained from our client and provided to him on 8/8/19. The student ledger provided clearly identifies complainant as the one who owes the debt and specifically states the breakdown of the charges he incurred ($420 + $522 totaling $942. Additionally, in accordance with the student agreement in place between complainant and our client, collection costs of $314 were assessed for a total balance due of $1256.00). After our last conversation on 8/15/19 it was in fact complainant who became belligerent and stated again that he does not understand what this debt is for. We have made 46 separate attempts to communicate with complainant and have had 5 contacts with him. His repeated delays and avoidance of the debt will not make it go away. Complainant should feel free to contact our office toll free at 877.322.5392 to make payment arrangements prior to involuntary collection action proceeding.

Customer Response • Aug 26, 2019

Revdex.com:

I have reviewed the response made by the business in reference to complaint ID, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I first received correspondence from Key 2 Recovery in early June of this year. The letter was sent by Daniel S. I requested a validation request of the loan on June 31 by calling the main number. I have attached a copy of what was sent to me. I called Mr S back on June 6 and left a detailed message regarding the validation and never received a response from him. If you read the validation it is a copy of a computer printout with charges and codes and I was asking for an explanation of these since none of this makes any sense to me. I attended *** 2 years ago & left the *** with a zero balance. From June to August I did not receive a response from this collection agency so I left another message and received a call from Damian D who could not explain the charges. We spoke a second time and he started making up information about who had forwarded this debt to them. He started telling me that I had to pay this debt. I was transferred to Ms M who would not even allow me to speak about the matter. She simply said the debt was mine. All I am asking for is for someone to review what has been sent to me. and to explain what classes I supposedly took and did not pay.

Regards

Key 2 Recovery Response • Aug 29, 2019

The documentation provided to complainant provides a detailed ledger of all of the charges as well as payments applied to his account at ***, which is exactly what he requested. If he would like an explanation of the coding nomenclature our client uses to delineate those charges he may feel free to call the business office at *** and once received, contact us toll free to make arrangements for payment at .

Customer Response • Aug 29, 2019

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it. If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply. Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]

Revdex.com:

I will contact *** directly to receive an explanation of the coding that is on this validation letter.

Regards

Received a bogus bill from KEY2RECOVERY claiming I owed an institution which I've never been affiliated. If I receive another bill or phone call from them "trying to collect a debt" that I do not owe, I'll contact my attorney.

Key 2 Recovery Response • Mar 04, 2019

We received a call from complainant earlier today stating that she was not the party we were looking for. Complainant has a common name and we contacted her in an attempt to identify good contact information for our debtor. She had a different date of birth than our party and we immediately removed her contact information from our system in this case of mistaken identity.

I CONTACTED KEY 2 RECOVERY TO REMEDY A PAST DEBT W/ MY COLLEGE *** IN OHIO. I OFFERED THEM A SPECIFIC AMOUNT TO CLEAR THE DEBT AND THEY CLAIMED THEY NEEDED TO VERIFY WITH THE SCHOOL THE AMOUNT WAS ACCEPTABLE. I WAS TOLD I WOULD RECEIVE A CALL BACK BUT HAD TO CALL TO CALL THEM 3 DAYS LATER TO FOLLOW UP. WHEN I CALLED THEY HAD A DIFFERENT AMOUNT HIGHER THAN WHAT I OFFERED ON THEIR RECORDS. I TOLD THEM I NEVER SAID THAT AMOUNT AND THEY SAID THE REP WHO WAS HANDLING MY FILE WAS UNAVAILABLE WHEN I ASKED FOR THEM. I REACHED OUT DIRECTLY TO THE UNIVERSITY'S BUSINESS OFFICE AND EXPLAINED WHAT WAS TRANSPIRING. I TOLD THEM I OFFERED $X TO PAY THE ACCOUNT OFF AND THE SCHOOLS SAID THEY WOULD CONTACT THE COLLECTION AGENCY TO ACCEPT THE OFFER. WHEN KEY 2 RECOVERY CALLED, THEY SAID THE SCHOOL FINALLY RESPONDED TO MY OFFER REQUEST BUT REJECTED IT AND COUNTERED WITH A HIGHER OFFER... WHICH THEY WERE UNAWARE I'D JUST SPOKEN WITH THE SCHOOL. I TOLD KEY 2 RECOVERY I WAS CALLING THE SCHOOL BACK, WHICH I SENT THEM AN EMAIL STATING I DIDN'T TRUST THE COLLECTION AGENCY WAS BEING FORTHCOMING BY RAISING THE OFFER AMOUNT. WITHIN 15 MINUTES OF SENDING THE EMAIL TO THE SCHOOL, THE COLLECTION AGENCY CALLED ME BACK STATING THE SUPERVISOR JUST RECEIVED A CALL FROM THE SCHOOL SAYING THEY WOULD RECONSIDER MY ORIGINAL OFFER AND ACCEPT.

I ASKED THE BEST WAY TO MAKE THE PAYMENT AND INITIALLY THE REPRESENTATIVE STATED ONLINE BUT THEN CHANGED HER MIND TO SAY SHE COULD TAKE THE PAYMENT BY PHONE. I PROVIDED MY PAYMENT INFORMATION FOR AUTHORIZATION AND ASKED FOR A RECEIPT TO BE EMAILED TO ME DIRECTLY. I WAS TOLD KEY 2 RECOVERY NEVER PROVIDES RECEIPTS BUT THEY COULD GIVE ME AN AUTHORIZATION CODE AND I COULD CALL THE SCHOOL AND PROVIDE IT TO THEM FOR A RECEIPT TO BE ISSUED. AGAIN, THIS WAS AFTER THE PAYMENT WAS TAKEN. I ARGUED THEY ARE OBLIGATED TO GIVE ME SOME SORT OF VERIFICATION OF THE AMOUNT CHARGED TO MY CARD AND KEY TO RECOVERY REFUSED. SO I HAVE NO WAY OF KNOWING WHAT THEY REALLY CHARGED ME AS THEY KEPT LYING ABOUT THE AMOUNT I INITIALLY OFFERED AND WHAT THE SCHOOL STATED THEY WOULD ACCEPT.

I CALLED THE SCHOOL BACK AND SPOKE TO THE SAME PERSON WHO ASSURED ME HE WOULD CALL KEY 2 RECOVERY AND FIND OUT WHY THEY REFUSED TO PROVIDE ME DOCUMENTATION I'D PAID THE FEES IN FULL. I HAVE NEVER HEARD OF A COMPANY REFUSING TO PROVIDE AN EMAIL RECEIPT DOCUMENTATION OF A PAYMENT THEY HAVE TAKEN OVER THE PHONE.

Key 2 Recovery Response • Feb 13, 2019

Key2 has made 48 separate attempts to collect complainant's debt which dates back to 2012, since our client placed it in our office on 7/2/2015. Contact was made with the borrower on 2/8/19. We requested the balance in full of $733.33. Complainant offered $500.00 to settle the account. We communicated that the client would not likely accept that offer since it was less than the principal portion of the debt. Complainant countered at $600.00. We forwarded that request to our client on 2/8/19 and informed her it would likely be 3-4 days before we heard back from the client. She called back on 2/11/19 10:46am, one business day after we communicated the offer to our client and our agent informed her that we had not yet heard back from our client. We then called our client again at 11:04 and the client stated they would accept the $600.00 offer. We immediately called back the debtor at 11:49 and she stated that her offer was now $550.00. When we informed her that she offered $600.00 which we presented to the client and they accepted she became belligerent and stated she would be calling the client and hung up. At 12:34 our client called us back and stated she also was being difficult with them and so they accepted her new offer of $550.00 to settle the account in full. We then called complainant back at 12:39 and processed her payment for $550.00 via credit card on 2/11/19 at 12:43pm. We provided an authorization code for the transaction for the complainants records. We do not send credit card receipts or any personally identifiable information through unsecured email per PCI compliant protocols.

Customer Response • Feb 13, 2019

Revdex.com:

I have reviewed the response made by the business in reference to complaint ID, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

It is unfortunate that when you look at the history of this company there is a common theme... they are not forthcoming with the consumers they are collecting from. The common denominator isn't how many times they attempted to collect. There are various reasons why a person may not have had the resources to remedy the debt at the time. What matters is the manner in which they lied this time when I reached out to them willingly trying to resolve the debt in full. Key 2 Recovery is misguided in claiming all customers that push back on their tactics are "belligerent" when we simply are trying to get them to be honest. If multiple people are complaining to the Revdex.com about the same problem... it's very likely a cultural problem with how their staff are trained to use deceptive tactics when negotiating final offers.

Further, their response doesn't address my main concern for documentation that I had satisfied my obligations to their company... not the university. Consumers have every right to request verification of a financial transaction in writing on their company letterhead stating the balance was paid in full. Regardless to the method it is provided, be that by email or mail, if you charge my credit card over the phone I deserve documentation of that transaction. I was lied to when told their policy doesn't allow for such correspondence regardless to the method (email/mail).

Unsatisfied!

Received a statement indicating that I owed 2 Universities. Asked for itemized financial statement from key2recovery detailing the debt regarding how it was incurred and what payments have made. Agent refused to provide that and raised her voice to me. Please note I have documentation from FAFSA that shows full payment to both universities. My next stop is to an attorney.

Key 2 Recovery Response • Feb 01, 2019

Complainant has been belligerent and abusive to our agents over the phone on multiple occaisions. The nature of her debt were explained to her in detail and documents validating the debts and the balance of each with Eastern Kentucky University and University of the Cumberlands have been provided to her 1/25/19 and again on 2/1/19. These accounts differ from the federal financial aid she received which was explained to her.

I spoke wit *. M on 11/1/2018 after I spoke with ***. Ms. M informed me that my account was sent over from *** and I would not be able to speak to the university in regards to my debt, even though I had just finished speaking with them. Ms. M told me on the phone that my account was 1,098 and I asked her how was that so when I had no owed balance when I left the university. She then informed me that the debt could be because the Department of Education pulled back my funds and I have to pay my tuition, I thought well that could be true. I went on to ask her if that was the case why was I not charged normal tuition, and she paused and stated "this is not tuition price", I replied no my tuition was 1,632. She then went on to say maybe it was just half, I told her that no one would get paid until I can know the reason for the debt and price. On 11/6/18 I get a letter in the mail that was mailed 11/1/18, stating my debt was now 1,450. On 11/7/18, I called Ms. M again. to see if she had an explanation as to why my debt had increased even more. She tells me that the increased balance was because fees where added because my account had went into default with ***. If that was the case they received my account on 10/31 and I did not make contact with them until 11/1, so there was time to update my account and add all necessary fees. If they did not have time she could have informed me that fees would be added.

Key 2 Recovery Response • Nov 13, 2018

Complainant's account was sent to us for collection from our client *** on 10/31/18. In review of the communications with this debtor, we have always communicated clearly the balance due and the reason for the charges. In the very first contact with complainant we explained her exact balance and the amount of collection cost *** had added to the account as a result of her default, per the student agreement they have in place with complainant. A breakdown of those charges is attached and have also been delivered to complainant. We did not state that she could not contact the school about her debt but we did inform her that they would likely just direct her back to us for resolution. Her total balance remains $1450.00. She can feel free to contact our office toll free at 877.322.5392 to arrange for payments.

Customer Response • Nov 13, 2018

Revdex.com:

I have reviewed the response made by the business in reference to complaint ID, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[To assist us in bringing this matter to a close, we would like to know your view on the matter.]

Regards

I have no idea how these people received my information. They randomly popped up on my credit report one month and the next thing you know I started receiving phone calls from them. Immediately, my phone recognizes them as spam. I filed a dispute with ***, after investigation, they removed Key2Recovery from my credit report and told me I was no longer responsible for this debt. The next time Key2Recovery called, I informed them that I filed a dispute through *** and that I was not found responsible for this account. The gentleman told me I had to send them the letter that *** provided showing proof. I found that strange, as I feel like that should be something they already received, so I contact *** again. They informed me I not responsible for sending them notification. They told me they are no longer supposed to be contacting me, and that it is considered harassment. *** told me to make a complaint with Revdex.com and that if it continued file harassment against Key2Recovery.

Key 2 Recovery Response • Mar 26, 2018

Validation of the debt was requested of our client, received and mailed to complainant. Complainants delinquent balance is being reported to the credit bureau until it is resolved. The debt has been validated as being a just and binding debt and the balance owed has been confirmed.
Tell us why here...

Customer Response • Mar 27, 2018

Revdex.com:

I have reviewed the response made by the business in reference to complaint ID, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
The gentleman who called me was extremely rude and asked if it was my social #, I agreed it is but I explained it was a fraud issue by the school. He wantedwto argue with me that they do not buy accounts. II do not know how their business operates nor does it matter. They issue is, the company who "hired" them to contact me already had came to the conclusion that the debt was not associated with me. This issue was resolved with the help of *** at ***. If *** was able to find that I was not reliable and removed it from my credit, then how am I responsible. These people love trying to ruin your day and life for that matter. This is fraud.

Regards

Key 2 Recovery Response • Apr 05, 2018

The word “fraud” was never used by the complainant in any conversation with our office. An attempt was made to construct a time line of events to corroborate her claim, but the complainant was so agitated and uncommunicative she would only state she will continue to make complaints until the file was closed. As stated earlier we had provided validation which included the complainants name address social security number, date of birth and signature. I have not heard back with any claim it is not her signature.

Customer Response • Apr 06, 2018

Revdex.com:

I have reviewed the response made by the business in reference to complaint ID, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[To assist us in bringing this matter to a close, we would like to know your view on the matter.]

Regards

Customer Response • Apr 09, 2018

Everything was already handled prior to them receiving the account. That is why I am frustrated. I had company called *** who already researched the situatios and this account was removed from my credit previously. Then some how these people got it and refuse to listen to me. I explained this entire story to every single person I talked with over the phone.they have not contacted me since the complaint, so I appreciate that.

Customer Response • Apr 17, 2018

See attached document

Revdex.com spoke with consumer and consumer indicated that *** was hired by her mortgage company when she tried applying for a loan that this appear on her history. She indicated that *** had spoken with *** and other agencies and made notes in the remarks and below the credit information (see attached document). Consumer indicated that on page 2 of the document it shows that the balance was zero'd out.

Customer Response • Apr 17, 2018

See attached documentRevdex.com spoke with consumer and consumer indicated that *** was hired by her mortgage company when she tried applying for a loan that this appear on her history. She indicated that *** had spoken with *** and other agencies and made notes in the remarks and below the credit information (see attached document). Consumer indicated that on page 2 of the document it shows that the balance was zero'd out.

Key 2 Recovery Response • Apr 23, 2018

Revdex.com spoke with business and business indicated that the debt is for *** and is asking if the consumer has received the validation with signature that was sent to her and if she has any documentation regarding the debt for *** (payments made, or information indicating that she does not owe this debt).

Customer Response • Apr 23, 2018

Revdex.com:

I have reviewed the response made by the business in reference to complaint ID, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
The is the same debt. I understand it is not from ***, but that was what it was listed as for ***. That is who we spoke with who could not identify the debt. *** and *** both use ***for recovery of debt. I will agree to work with Key2Recovery to resolve this debt as I am over trying to defend myself for a mistake of another company. However, they are trying to charge me an additional $2000+ in collection fees and by law, in the state of Tennessee, Unless it is noted in the signed documents which it was not in the documents received) a collection agency is not allowed to charge any additional fees other than interest.

Regards

Key 2 Recovery Response • Apr 24, 2018

Attached are the documents provided by our client showing the signature on the promissory note along with the ledger describing each transaction. On the promissory note under item VII (Promise to pay) it explains that the borrower is

responsible for all fees incurred including interest and collection cost.

When it comes to reporting to the credit burea we services hundreds of clients and all handle reporting differently. Some do not report at all, some do report and do not want us to report. This client does not report and our agreement with them is we

will report for them. Any lender has the ability to report a delinquent debt for seven years. The last activity on this account, as shown on the ledger was May 2014, which is within seven years and legally able to be reported.

I hope this answers any questions and look forward to hearing from you soon.

Thanks,

Carmen C Key 2 Recovery, Inc. 8894 Beckett Road West Chester OH, 45069 O ***, F 513-874-3037 [email protected]

Customer Response • Apr 25, 2018

Revdex.com:

I have reviewed the response made by the business in reference to complaint ID, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I will be seeking legal counsel. Thank you for your help.

Regards

I continue to receive calls (about every 2 weeks) from this company. They leave messages with generic sounding last names and when you return calls you never reach the person who left the message. They indicate they are trying to collect a debt from a college I've never heard of - and for which, when asked, they cannot give me any information about (no address, no phone number, no account number or contact) and become extremely hostile and threatening.
They are a scam - real collection companies could provide the information on the debt and they cannot. Not to mention, they started calling magically about 2 weeks AFTER the *** hack.
DO NOT GIVE THEM ANY OF YOUR INFORMATION and DO NOT PAY THEM OVER THE PHONE!!!!

Key 2 Recovery Response • Jul 18, 2018

There are several accounts on our system with complainants first and last name so it is difficult to discern the exact nature of the conversation held between her and our agent. However, we are bound by federal law to provide validation of any account place in our office for collection to any borrower who requests is. Rest assured, we are not a scam and we would be happy to provide proof of the debt including the amount owed, the date the charges were incurred and the contact information of the client who placed the account. Since complainant seems bent on not providing us any of her information, including confirming her identity so that we could ascertain that we were indeed speaking to the right person, perhaps we were reluctant to discuss the nature of the debt for fear of third-party disclosure.Regardless, to obtain all of the information you need to validate the debt you owe please feel free to call us toll free at ***. We are happy to help.

Customer Response • Jul 18, 2018

After multiple conversations, wherein I indicated I was NOT the Courtney Perry (in fact that is not even my name) they were looking for, they continued to NOT remove my phone number from their file. I went on *** and looked up and located the person they were looking for after they violated HER privacy by mailing me confirmation of debt which contained a lot of information about her. I then called their agent back again and gave THEM the name of the person they were looking for (again indicating that I was not this person) and asked AGAIN to have my name and address removed from her file (as she resides in a completely different state and with a completely different last name than me). I have not received any further communication from them since I provided the information that I shouldn't have had to search for (it is not my job to do THEIR collections work).
SO while they may not be a HACK they certainly do not listen when they are told repeatedly they have the wrong person, in the wrong state. I realize that people lie to collection companies all the time, however after multiple requests to be removed one should maybe consider that they have in fact reached the wrong person.

Very unprofessional. My husband began receiving calls from this place about a month ago, we have called 4 or 5 times now requesting proof of the debt as they claim it is college tuition, but have never mailed anything to our home. I received a call last night while eating dinner, and the male was rude, unprofessional, and told me "Ima tell you how this about to go..." I can't even describe how rude he was. Today I called AGAIN to complain and request PROOF of this debt and again I was bounced around and another rude operator claimed that they mailed out 'proof' 3 weeks ago, but we have never gotten 1 single piece of mail from them. He said he would transfer me to a supervisor and promptly hung up. I called back again, and asked for proof to be mailed, to which another rude operator stated "we'll mail it today" and hung up on me! I am very unhappy and will continue to fight this abusive treatment. We have also contacted my husbands former college requesting a statement of any money they claim we owe and have heard nothing back.

Key 2 Recovery Response • Jul 19, 2018

We do not have enough information from this complainant to research this issue. We do not have an account on our system by either name provided in the complaint and their is no way for us to tell who her husband is from the information provided. I understand that she appears to be frustrated about her husbands situation, however, we are bound by law to provide the information she states that she is asking for. Since we are in the business of collecting money on behalf of our clients, and knowing that documents are readily available to validate each account placed with us for collections, what motivation would we have to withhold that information from a debtor if it meant getting the bill paid. Additionally, we have a zero tolerance policy against the type of treatment of a debtor she describes in her complaint. While we are confident that behavior did not occur we cannot research the recorded calls or verify any of the information in the complaint given the information we have been provided.

My husband call this business today to resolve an old college debt for me. After making an agreement on a settlement amount my husband ask that the company email him a letter stating the facts of the agreed upon settlement. They did not comply on their end although my husband gave them the credit card number in good faith. After 2 hours of waiting, hang ups and frustration we finally received the letter. The manager had to admit there was an issue with their mail server. Although they insisted the problem was our computer. Lesson learned.

Key 2 Recovery Response • Jul 18, 2018

All outbound borrower correspondence by email is reviewed by our compliance officer to make sure it meets all requirements of federal and state law. We believe this delay was a result of that review time. While it is unfortunate that it took us 2 hours to deliver a settlement confirmation, we will try to improve the process so that it takes less time in the future. This account has been settled in full and is closed in our office.

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Address: 201 N Brookwood Ave, Hamilton, Ohio, United States, 45013

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