Date Received: 2018-10-07
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Before filing with you, I filed with the Washington State Attorney General 's Office. They reviewed my complaint and began an informal complaint resolution process. Key Bank 's Participation in the process was voluntary and they never responded. The WA State AG 's office recommended I file my concerns with the CFPB. The Keybank National Association Recovery Department is engaged in unethical consumer practices and potentially fraud. In XX/XX/XXXX, after my bankruptcy was finished, my student loans were charged off from my servicer to the originator for collections. Keybank was the loan originator. In XX/XX/XXXX, I entered into a repayment plan with Key for {$300.00} per month on 4 separate student loan accounts. Three accounts each received $ XXXX payments, and a 4th account received $ XXXX. I received my first billing statement on XX/XX/XXXX, with a due date of XX/XX/XXXX. I made this payment on time. For every month through XX/XX/XXXX, I made a {$300.00} payment. In XXXX of XXXX I paid off the 4th account, at which point I began receiving only XXXX statements for payments totalling $ XXXX. In XX/XX/XXXX, I mistakingly sent a payment without a stamp and it was returned to me. I contacted XXXX on XX/XX/XXXX, to explain that and that my payment was on the way. In early XXXX I received a letter for each account stating that I was in default. I contacted XXXX in XXXX to explain the circumstances about the XX/XX/XXXX payment and was told that I could " just burn or throw away '' those letters, and that a statement would be sent to me. My XX/XX/XXXX statement never arrived. On XX/XX/XXXX, I spoke with a Key representative who directed me to simply double my XX/XX/XXXX payment to {$300.00} and indicate that the payment was for XX/XX/XXXX and XX/XX/XXXX. I mailed my payment on XX/XX/XXXX. In early XX/XX/XXXX I received letters for each account dated XX/XX/XXXX, informing me that my account was in default. I spoke with XXXX, a Key rep, on XX/XX/XXXX, and he informed me that my account was in default because my XX/XX/XXXX and XX/XX/XXXX payments were never received. I informed XXXX that I sent a money order ( my preferred method of payment for my loans because off the ability to confirm receipt ). We agreed that I would go to the post office where I purchased the money order and pay for a " money order search, '' which would reveal whether my money order had been cashed or lost in transit. During this call, XXXX put me back on my payment plan that I had established in XX/XX/XXXX ( $ XXXX on remaining accounts ). On XX/XX/XXXX, I received from the post office a photo copy of my money order when it was cashed by XXXX XXXX ( on XX/XX/XXXX ). Upon receipt of this confirmation, I contacted XXXX on XX/XX/XXXX and spoke to XXXX, and sent my first fax containing the confirmation, with an explanation of facts. I received a XXXX Report confirming receipt of my fax to the Key fax number provided to me by XXXX at XXXX PST. On the XX/XX/XXXX I called to confirm receipt of my fax and spoke to XXXX. We spoke at XXXX am XXXX. I was told my account manager XXXX was out that day and to call back on the XXXX of XXXX. I called back on XX/XX/XXXX, at XXXX am XXXX. I spoke to XXXX. She told me XXXX was still on vacation and to call back on Monday. I was able to call back Tuesday. I spoke with XXXX XXXX and was finally told XXXX was no longer working in the department and thus no longer my account XXXX. Neither XXXX, nor XXXX, not XXXX were able to confirm receipt of my fax on there XXXX. Thus, on the XXXX of XXXX, I resent an updated fax, with the above updated information. On XX/XX/XXXX, I called to confirm receipt of my XX/XX/XXXX fax. I spoke with XXXX. I was told that my fax was unable to be located and to fax the photocopy of my XX/XX/XXXX/XX/XX/XXXX money order payment to XXXX. XXXX gave me a new fax number to send to. This XX/XX/XXXX fax had a XXXX Report received time of XXXX pm PST. Finally, this payment went through and the XXXX and XXXX payments were applied to my account. In XXXX, I did not receive a statement again. Despite multiple calls to Key, I didn't receive a a new statement until XX/XX/XXXX ( again after calling to inform Key that I had not received my billing statement ). For XX/XX/XXXX, I submitted a {$300.00} payment that covered both XX/XX/XXXX and XX/XX/XXXX. For each of the next three months, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, my statement did not arrive until I called Key and had them resend my statement. However, in XX/XX/XXXX, the Key rep I spoke to was so rude, telling that they didn't have to send me a statement because I was required to make payments even if my statement didn't arrive, that I contacted the Executive Offices. Between XX/XX/XXXX and XX/XX/XXXX, I spoke to several members of the executive offices on multiple occasions, and was assured that my statements would be sent and the issue would be resolved. Despite this, in XX/XX/XXXX, I called multiple times to have a statement sent but never received a statement. Because Key previously lost a {$300.00} payment on my account, I informed Key that I would not make a payment until I received a statement which would confirm that my previous payments had been received. On XX/XX/XXXX, I spoke with the Executive Offices again and was assured the matter would be resolved. I also indicated that because of how my account had been handled since XX/XX/XXXX, that I would be interested in negotiating a settlement on the accounts. The matter wasn't resolved. On Monday, XX/XX/XXXX, I received a call from the Executive Offices. I was informed that the reason I wasn't receiving my statements was because I wasn't paying my bills, that Key was under no obligation to send such statements, and that they lacked the system-wide capability to send me these statements monthly, despite the fact that from XX/XX/XXXX - XX/XX/XXXX, I received these statements monthly, without interruption. The Executive Offices refused to send my XX/XX/XXXXand XX/XX/XXXX statements, nor have I received a XX/XX/XXXX statement. Instead, Key has sent me, twice, letters of default on my three accounts. The first of these letters of default were dated the same day, XX/XX/XXXX, that I spoke to the Executive Officers and was assured that this matter would be resolved. The second set of letters of default were dated XX/XX/XXXX, XXXX days after the Washington State Attorney General 's Office deemed my complain appropriate for the informal complain resolution service. I never heard from the WA State AG that Key participated in this process. I am beyond frustrated. I have the money to pay my account monthly. I want to pay my account monthly. I pride myself on paying my student loans on time. But Keybank is now refusing to send me the statements I need to make the payments. Because Keybank had lost 2 months of payments ( XX/XX/XXXX/XX/XX/XXXX ), I am not comfortable making payments on this account without assurance that my payments are being received. This is a reasonable request for a consumer to guard against fraud. XXXX, on the other hand, has no reason to meet my request, even though they had sent my statements for 20 straight months without the need for me to ever call. My agreement with Keybank is for $ XXXX on my three remaining accounts. But, if my account goes into default, Keybank can file suit in an attempt to secure a judgment and garnish my wages at a rate higher than our agreement. It is in Keybank 's financial interest to induce missed payments by refusing to send me statements. This is unethical and in my opinion, fraudulent. We agreed to my payment plan in XX/XX/XXXX and have re-confirmed these terms several times in XX/XX/XXXX. Keybank is acting in bad faith by refusing to send me monthly statements. Please note, I have every billing statement and money order receipt ever sent to Keybank on my account. I have all the faxes sent to Key and notes of our conversations. However, each of these documents contain sensitive account information that, per the instructions, should not be included in this initial filing. Therefore, I will not attach these documents as files at this time. If the CPFB would like to see any of these documents, I am happy to provide redacted copies of any of them. At this point, I have not received a notice of lawsuit from Key, but I have indicated to them that I will not make another payment on the account unless the account is settled ( I offered on XX/XX/XXXX to settle the account for {$3000.00}, which is almost all of my savings ) or unless they resume sending me statements that confirm the receipt of my previous payments. Thank for you considering my complaint.
Company Response:
State: WA
Zip: 98499
Submitted Via: Web
Date Sent: 2018-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-07
Issue: Problem when making payments
Subissue:
Consumer Complaint: I was out of the country and received a letter from Key Bank regarding payment of my Loan balance of {$1100.00} The letter stated that I was overdue for payments. I did switch banks previously and there was a discrepancy in the auto debit that I had believed was being sent to Key Bank. I had never spoken to anyone from the bank regarding these missed payments. Online, my statement showed that I was able to pay off this loan by XX/XX/18. In good faith, I called Key Bank on XX/XX/18 at about XXXX XXXX to resolve this issue and make an immediate payment. I was shifted around to several operators and divisions. Once I finally was put through to someone who could help, she said that the window to make a payment ended at XXXX ( EST ) that same day. This was minutes after I had gotten through to her. She said that the loan had been charged off at XXXX and was sent to the Recovery Department. I asked her to try and stop the process as it was literally 2 minutes over the alleged deadline. I offered to make an immediate payment of of my remaining loan amount and to pay off the entire loan by the actual due date of XX/XX/18. She said this could not happen. Asking for a supervisor I was passed around again for an extended time. I requested the policy of this arbitrary time of XXXX to be sent to me in writing. They allege that this policy does not exist in writing. I then requested the Key Bank Corporate office contact information. The Corporate address is : XXXX XXXX XXXX XXXX, Ohio XXXX. After finally reaching Corporate, I initially spoke to XXXX XXXX from the Executive office. She recommended I did not make a payment on XX/XX/18 and to wait for Corporate to investigate the issue. I was later assigned an XXXX XXXX XXXX agent, XXXX XXXX XXXX ( XXXX ). I discussed all of the issues including the bizarre cut off time of XXXX, the published date of payoff of XX/XX/18 not XX/XX/18. She said she had to research the issue and took several weeks to conclude that I would not be granted the reversal of charge off and must go through Key Banks Recovery Department and that the account has been reported to the credit bureau. She also had reviewed the recordings of my conversations and said she had no explanation for the made-up cut-off time of XXXX that I was told was the policy of the Bank XXXX If this was not the policy, I would have been able to make my payment and the account would not have been charged off. During our final conversation, I requested the policies of Key Bank that stated that a charge off would be initiated 128 days after the last payment received, the written policy that the cutoff time is XXXX, and the policy that a charge off is not reversible ( it is ), and documentation regarding the actual due date of XX/XX/18. After checking into this with the Office of the President, she returned to my call and stated that Key Bank does not have any written policies regarding these issues and that the process they followed was only provided internally. She also said Key Bank refuses to reverse the charge off at this point, I requested a follow up letter to be issued that detailed our conversation, including the details that Key had no written policies regarding these issues and that I was told on XX/XX/18, the last day for me to make a payment to not have my account charged off, that XXXX was the cutoff time. I received a letter from XXXX dated XX/XX/18 and many facts of the actual conversation were not documented and there were falsehoods and discrepancies regarding the conversations I had with XXXX and with other representatives.
Company Response:
State: PA
Zip: 19382
Submitted Via: Web
Date Sent: 2018-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-04
Issue: Incorrect exchange rate
Subissue:
Consumer Complaint: On XX/XX/2018 I went to the KeyBank branch at XXXX XXXX XXXX, NY where I have accounts. I asked a teller if they exchanged US dollars for Euros. She told me that the exchange rate was the market exchange rate and that there was a {$10.00} flat fee regardless of the amount purchased. Based on that information, on XX/XX/2018 I went back to the same branch and asked teller XXXX XXXX the same question. She told me the same thing : it was at market rate for a {$10.00} fee. She told me that the Euros would be there in a few business days. I gave her {$1000.00} dollars to exchange for Euros. She had me sign a piece of paper showing the {$10.00} fee and the exchange rate. Within an hour of leaving KeyBank, I looked on the web and saw that the KeyBank exchange rate was not the market rate ( using the 3 standard exchange rates the US IRS uses ). It was vastly different and equaled a minimum of a {$55.00} shortfall for the {$1000.00}, between from the market rate and the rate KeyBank gave me. I immediately called XXXX and she said she would try to cancel the transaction. She called me back and told me she talked to the branch manager, XXXX XXXX, and XXXX said it was too late to cancel it. I asked to talk to XXXX. XXXX told me it was too late to cancel it but when the Euros came in she would call me and would offer me a resolution. The next day, XX/XX/2018, she called me and she offered to purchase the Euros back at an even worse rate ; that is, I would have lost even more money selling it back at the rate XXXX offered me. I told XXXX that the reason I had wanted to cancel the transaction was not because I changed my mind and did not want the Euros, because I was going to be traveling to Europe, and I did take issue with the {$10.00} fee because I agreed to that, but it was that I wanted the exchange rate I was told I was going to get or to be made whole for the {$1000.00}. XXXX acknowledged that XXXX had told her that she told me it was the market rate. XXXX then told me that that did not matter, what mattered was that I signed the paper that had the rate on it. I told her that I signed it based on the understanding that it was the market rate and it was not. On XX/XX/2018 I called the branch and spoke with XXXX XXXX, the KeyBank Relationship Manager at the branch. XXXX told me that he would see what he could do to get me a refund because what occurred was wrong. He told me he always advises customers to not exchange money through XXXX because it is a bad deal and that he refers customers to XXXX. He told me that the tellers should not have told me it was the market rate because it is always far from it. XXXX called me back on the afternoon of XX/XX/XXXX and told me he was still working on it and that he would get back to me. A week later I had not heard back from him so I stopped in the branch. XXXX said the he could do nothing for me. He said he reached out to KeyBanks operations department but XXXX XXXX, the Branch Manager told him he could not give me a credit for the {$55.00}. He said if it was up to him he would. He said he would follow up and coach the employees because they should not be telling people it is the market rate because it is always much lower.
Company Response:
State: NY
Zip: 12302
Submitted Via: Web
Date Sent: 2018-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened an account at Key Bank on XX/XX/18 and deposited 3 checks totaling {$960.00}. The account was then blocked and closed on XX/XX/18, the funds have been disbursed to Key Bank, key bank has notated that the checks are counterfeit which I have contacted the banks that issued them and verified they are absolutely not counterfeit checks. Key refuses to release the funds to me because XXXX in Fraud has locked my account and the branch nor anyone else except for XXXX dept can give me any information on this but its an internal dept and I cant talk to them. This is extremely concerning
Company Response:
State: OH
Zip: 43220
Submitted Via: Web
Date Sent: 2018-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-03
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: This bank stole my OWN BILL PAY CHECKS. Put the money into my account and then a hold for unknown amount of time AFTER IT WAS ALREADY IN MY ACCOUNT. THEY ARE CHECKS TO ME, FROM ME, FROM THIS ACCOUNT. They took the money back out of my account and overdrafted my account INTENTIONALLY. THEY DIDN'T EVEN ALERT ME THAT THIS WAS BEING DONE. I was using my debit card and it kept getting declined. As evidence of my story, I do not have overdraft protection on my account. These charges were made today, when I had the money from the bill pay check deposits. My card would have been declined if there was no money in my acvount, then taken back out as I'm saying. They put the money in, then claim they put a hold on my money. Almost 3000 dollars. It isn't a small amount.
Company Response:
State: CA
Zip: 96007
Submitted Via: Web
Date Sent: 2018-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: -Check Date XX/XX/XXXX -Check Amount- {$700.00} -Check made out to- XXXX XXXX -Provided the First XXXX XXXX routing and account number. -I closed out the account on XX/XX/XXXX -Nothing could be found while I was on the phone either time. My account was a XXXX XXXX checking account that was transferred to Key Bank as the companies merged. I've spoken to Key Bank twice providing all my needed contact details-Phone number, Email address, and updated mailing address. 1st phone conversation XXXX, promised a call back with information, no call was made to me. 2nd phone conversation XX/XX/XXXX, did receive a call back, but was advised the same details as the first call, " I'll open a research request to have this reviewed for the check copy ''. I requested the check copy be sent by email as this is needed for a Court Case. I was advised no problem. I was advised that I would be followed up with in 3-4 days by a person from their research department advising of a status. This timeframe has come and gone and no communication by phone, email or mail has been received. This check copy is highly important and is time sensitive to me. I'm in no way confident that any action has been taken place by Key Bank. All details that were given to me, such as follow up have fallen through. I need help to get this matter resolved as it seems I've been forgotten about.
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2018-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-29
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/2018 Trump signed into law exempting certain banks from CFPB regulations. On XX/XX/2018 I got my first fee ... my bank, Key Bank, began charging " maintenance service charge '' of {$18.00} each. They also charged me a " foreign transaction fee, '' and told me it was due to buying something outside the country ... which I have done many times for baking or jewelry supplies. These are fees I have not had on that checking account since opened 10 years ago and nothing has changed with my use of the account. Fees appeared on the following dates : XX/XX/XXXX - {$18.00} - maintenance service charge XX/XX/XXXX - {$18.00} - maintenance service charge XX/XX/XXXX - {$0.00} - foreign transaction fee XX/XX/XXXX - {$18.00} - maintenance service charge Before XX/XX/2018,
Company Response:
State: NY
Zip: 14043
Submitted Via: Web
Date Sent: 2018-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-28
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Morning, I opened a checking account as a new customer with Key Bank in XXXX, CT last month. Key Bank was offering {$400.00} for every new account opened with two direct deposits and payable within 60 days from the opening of an account. I have been working from home on a recommendation from a XXXX. I went to go deposit a check from my dad for {$180.00}. and this bank has two slots, one for cash, and one for checks which I didn't realize. Upon trying to deposit the check, I must have hit cash and could not exit out of the transaction at the ATM. I tried a {$1.00} bill, an envelope, nothing worked, so I put in a blank check from an old bank just to get the transaction finished so I could actually deposit the {$180.00}. The second time I tried depositing it, it was successful. Then the next day, based on an email from a friend, I signed up for a second job as a XXXX person. A bank check, appeared to be a bank check, arrived and I deposited it for {$2300.00}. After sleeping on this deposit, it seemed weird they never asked for a Ssn for tax purposes, etc. I called Key Bank and a gentlemen told me to just watch my account. That didn't sit right with me, so I reported it as a fraudulent check the next evening. I've gone to my local police, submitted any and all paperwork to KeyBank, was forced to close my account and told KeyBank will not open a new one with me! Mind you this is days before they should pay out the {$400.00}. I haven't switched banks in a long time, and have never had such a horrible experience. The guy upon opening my account at KeyBank was asking about jobs at my company, and what his friends in XXXX could do to apply as well. Now they won't open a new account-which is fine at this point-but they also mentioned absolutely nothing about the promo deposit of {$400.00}. I have never worked with such an unprofessional bank or heard of refusing to open another account. I would like someone to look into this and explain why they are refusing to accept customers and negating their promo.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2018-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-28
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I had a consumer Boat loan that I have had at this bank since XXXX. I contacted them in XX/XX/XXXX to request a Payoff as I was selling the Boat. I was provided a payoff with a timeframe ( 10 Days ) as usual. I was provided the information on where to send the payment. I had the Buyer of the Boat XXXX the Check to the Bank. We had it Tracked It was received and signed for by the Bank official. Upon follow up, the Bank claimed they could not find the Check. They investigated and 4 weeks later could still not find the Check. In the mean time they charged me a {$30.00} Late Charge. Hours of phone calls and communication with the bank, which I Have documented, We finally stopped payment on the Check and had the Buyer Wire Transfer the Money to the Bank. The Payoff was {$10000.00}. The Check from the Buyer was for {$12000.00}. ( sale price agreed to with buyer and contracted by a bill of sale based on the Payoff Amount ) I received a Documented eMail confirmation of the Payoff received by the Bank. After One month had gone by waiting for the Titles and Refund of the difference, I received another statement from the Bank Stating my Payments are still due. Contacting the Bank again, they said the balance was {$14000.00} and was not paid off. As I continued to try to get to someone with authority, I contacted the bank several more times. The automated phone system said there was a payoff balance of {$9.00}. When speaking with the Agent they stated that was wrong and they could not tell me the payoff over the phone and would have to send it via mail or fax it. I communicated that I already paid the loan off based on the payoff provided and that I have documented confirmation of the payoff, and that it was {$2000.00} more than I was quoted. Bottom line, This is an unacceptable behavior and actions by a bank that has Fiscal responsibility for consumers money. This includes lost checks, wrong payoffs, misrepresentations, false late charges.
Company Response:
State: CA
Zip: 95765
Submitted Via: Web
Date Sent: 2018-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The same exact issue that I submitted a formal complaint about in XXXX has occurred again. Key Bank refuses to apply the payments on this account appropriately and therefore they end up reporting late payments that are not late. Right now XX/XX/2018 is showing a 30 day late, yet there are 2 payments posted. This account has been paid as agreed for the past 6 years. The online payment system doesn't delineate where these payments are going ( principal, interest, pre-payment for the next month, etc ). The 3 options for payment include a past payment amount, the full balance, or the current amount. However, none of these options outline what that means. The past payment amount, is that for past amount due or just the payment you made last time? Is the full balance up to date for that days interest or from the prior statement balance? These are questions I tried to get answers to the last time this happened and they refused to give me that information nor tell me where I could find that information. For example a typical monthly payment is {$300.00}, yet there is an option to pay around {$1000.00} and one could assume this could be applied as 3 months worth of payments or it could be applied as one month of payments and the rest toward principal. The problem is that the system doesn't tell you what it's doing with any money above and beyond the current bill. Key Bank admitted that they just applied it to principal rather than clarifying where we would like the money to go, this was part of the last dispute, and they have yet to correct the issue. And here we go again, they're doing the same thing. From the last dispute, when they admitted they were applying payments however they saw fit, I requested a paper bill to be able to determine what the current payment amounts were and where any additional monies may be going and the paper bill they sent ( after MONTHS of requesting, it took about 6 months to get them to send a paper bill ) is even more worthless than the online statements. It merely states the dollar amount and the total balance of the loan. Again ZERO details, no way to decipher what they're doing with my payments, no calculations of interest or anything. It's a worthless statement. Unsurprisingly, Key has managed to mess up the payments again. Not only have they not accounted for an entire month of payment and reported a 30 day late, they have now taken 2 payments in addition ( one for {$700.00}, another for over {$1000.00} ) which were not authorized. The {$700.00} payment was not made by anyone in my household, not authorized. But they took that {$700.00} and their system showed that we still somehow owed over {$1000.00}, which I paid assuming I'd correct their errors after the fact. Now Key Bank is saying that the system was showing the {$1000.00} due because it hadn't applied the {$700.00} payment yet and therefore BOTH payments subsequently went through. The best part is that after going over this with them, sending screen shots of their ridiculous banking system and the fact that because of their convoluted system it has now drafted {$1700.00} for a monthly payment that is usually {$300.00} they STILL continue to claim their system is just fine and they've committed no errors?!? What planet are we on?! This joke of a company has now tanked my credit score over 100 points by their errors here and they are essentially telling me to go pound sand and won't correct anything. They won't even refund the payment of {$700.00} that was taken without ANY authorization?! Also this interaction and communication was with one of the executive members of the bank, not just a branch worker! XXXX in the executive department denies any responsibility for this and refuses to do a single thing to make the situation right. As a business owner myself I have dealt with dozens of banks and this is honestly the worst bank I have ever dealt with. I will be moving this account as soon as possible and will NEVER deal with Key Bank again. I have attempted to dispute this with XXXX and XXXX will not let me dispute the item again?! They consider it an extension of the original issue. XXXX is just as guilty of reporting fraudulent information on my credit report but each entity wants to point the finger at the other. Key bank says they can't fix the credit report because that's a violation of fair reporting, even though it is THEIR ERROR. And XXXX says they can't open another dispute. So what is a consumer supposed to do here? When are these companies going to be held responsible for this, their errors are affecting a home purchase for my family. This is absolutely unacceptable.
Company Response:
State: CO
Zip: 80109
Submitted Via: Web
Date Sent: 2018-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A