Date Received: 2016-07-13
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My name is XXXX XXXX with XXXX. I have been hired by the sellers to help facilitate a short sale on their behalf. I have been working diligently with PHH Mortgage on getting them the docs they need to get this moving however for the last 3 months the file has been stagnant. Not even the negotiator from PHH can tell me what is going on. All I hear is it is with the investor. The sellers are upset, the buyers are losing hope and the agents are furious. It seems PHH Mortgage is keeping this loan for some reason and does not want it to have a short sale.
Company Response:
State: OR
Zip: 971XX
Submitted Via: Web
Date Sent: 2016-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-11
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Consumer Complaint: I have a {$54000.00} student loan with key bank that is serviced through XXXX XXXX. I have tried for several years to get a lower monthly payment until my wife and I get higher paying jobs. I am willing to pay every month and did as well as I could but I came to a point where I was unable to pay for a couple of months. They then gave my loan over to a third company that I would have to deal with on top of XXXX XXXX and Key. I have asked repeatedly for any kind of assistance with lowering my payment, deferment or anything that could help my situation. I can not afford the {$450.00} payment and they are completely unwilling to help. I can not consolidate the loans because they loans are too big. My only options are a lower payment or bankruptcy which is something I sincerely do not want to do. I want to pay my debts but I can not right now. If there is anything that Key would be willing to do to lower my payment I will listen. Please help me with my student loan so that I can pay it. Thank you XXXX
Company Response:
State: TX
Zip: 77354
Submitted Via: Web
Date Sent: 2016-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-11
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Consumer Complaint: I recently became unemployed and reached out to Key Bank for a work extension. They initially told me to get my start date of my next job, which I did then they told me they also needed my salary which I am waiting on for HR to call me with that information. When asking keybank about lowering my payments from a whopping XXXX a month they said that this is something they could not do because I had exhausted my 18 months ( for the entire loan ) of deferment/forbearance time. They told me to contact XXXX XXXX who I pay the loan through to see if they could lower payments, which I did and they also said there was nothing they could do either. They checked to see if I could get graduated payments which would lower payments for a number of payments then skyrocket payments towards the end of the loan which is not the goal either. I understand that I am responsible for the loan and the payments however no one is willing to work with me in order to make the payment of the loan more reasonable. They keep telling me there are stipulation and regulations that must be followed. At one point when I first started paying the loan back, one customer service representative told me I should have done better financially preparing and that there was nothing they could do. I am an XXXX going into my XXXX year of XXXX and sadly enough after getting and completing several degrees I still do n't make nearly enough money to comfortably pay my bills and student loans. I will not make over XXXX dollars in this upcoming XXXX year. I would think after completing my XXXX degree it would be different and it is n't. I would be okay with a lower interest rate or lower payments, something more reasonable like XXXX to XXXX monthly. Keeping in mind that I still have federal loans to also pay for. Again I am aware that this is my responsibility and I am not trying to get out of paying the loan, but for each company to continue telling me there is nothing they can do is unacceptable. Its as if they do not care to work with you to make sure the loan gets paid. Since I started repaying this loan back in XXXX, I have been on time with the payments. I would love some help to better help me pay this loan on time and more affordably. Thanks
Company Response:
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2016-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-30
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Consumer Complaint: On XXXX XXXX, 2016 I informed XXXX XXXX XXXX, the loan servicer for Key Bank, that I was unable to repay my debt due to being on XXXX, that I was filing for Chapter XXXX Bankruptcy, and directed that collection calls cease until conclusion of the bankruptcy. I have since received approximately 20 calls that I can document from XXXX, a collection agency representing Keybank, and XXXX XXXX XXXX. I have had numerous discussions with XXXX representatives and at least 1 supervisor explaining the situation and each time have repeatedly directed that they cease calling. Their most recent call was today ( XXXX/XXXX/16 ) at XXXX XXXX. Given their repeated refusals to cease calling I am filing this complaint seeking your assistance to get them to call. Please note that, although received for school, this debt does not qualify as a Student Loan that is exempt from bankruptcy discharge because it was received for education from a non-Title XXXX school. I have informed XXXX of this fact several times via telephone. Consequently, Consequently concentrix is aware that the debt they are calling about is essentially a general consumer debt, not a student loan. Your assistance in stopping XXXX continual harassment would be greatly appreciated.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2016-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-30
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: My Bank ( Key Bank ) gave money to a person claiming to be me at the teller window. They said the transaction was " authenticated '' ( Bank Speak for had Proper Documentation?? ). When I discovered the error I asked for my money back. However, they were not willing to return it. The amount in question is {$940.00} ( document attached ).
Company Response:
State: UT
Zip: 84109
Submitted Via: Web
Date Sent: 2016-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-27
Issue: Can't repay my loan
Subissue: Can't temporarily postpone payments
Consumer Complaint: Upon my Filing for Chapter XXXX, my daughter 's student loan, that I co-signed for, was taken out of deferment and charged off. ( sent to collection ). The bankruptcy was completed in XXXX XXXX and we ( Myself and daughter ) believe they are claiming that a payment was missed and a delinquency was reported in XXXX XXXX, for a payment amount that was established by them and at no time was it told to my daughter or I that it had been established. We think they are attempting to or will attempt to move the Statue of Limitation date. My daughter has been and is currently a XXXX with full deferment qualifications, with no lapses. She has Federal loans that to this day are in good deferment standings.
Company Response:
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2016-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: On the WV Unemployment card through Key Bank we had XXXX transactions XXXX for {$1000.00} and XXXX for {$280.00}. We reported it on XXXX XXXX as well as faxed the information to them to begin the process. We have not been given any information what so ever. They have been rude and not sensitive to the fact this was an unemployment card and took everything we have. We were told provisional money would be issued 10 business days from them reviving the fax .... Still nothing and when told about it they continue to say call back in two days of this takes time. We have financially struggled with borrowing money for bills and living expenses. We now are looking for help to know our rights on the process and where to go next.
Company Response:
State: WV
Zip: 26003
Submitted Via: Web
Date Sent: 2016-06-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-22
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Consumer Complaint: I have contacted Key Bank uncountable occasions after discovering a the same one account listed three times on each of my credit reports. I informed them that I did not have a loan with them and they indicated I had one with XXXX XXXX. Well, XXXX owned up to saying that the loan is hers, which I attached the letter in which she sent on several occassions. Well, a XXXX XXXX XXXX indicated they would give liability to XXXX XXXX, my daughter if I could provide documentation with my signature from 2007 which I do not have. I think that is not practical for you to ask me for a signature from almost 10 years ago in which my signature is on the domicile, that I provided for you. The only thing that I can do is contact my mortgage company to see if they have it in their archive which is ridiculous. I understand that XXXX XXXX is doing her job but I think that I have more than proven I am not liable. As you know from when I first found out I have been back and forth with this organization and that is because I have no ownership in regards to this loan. Please, also know that this has played a massive impact on my relationship with my daughter, I should not have to be going through this. I know and understand that my daughter was extremely wrong in signing my name, but what this organization is taking me through, I am feeling victimized over and over. I have provided the letter from XXXX XXXX who is taking full responsibility. I have provided my domicile which has my signature and I was trying to demonstrate that during the origination of this loan, I lived at XXXX XXXX XXXX XXXX, XXXX, FL and then when I found out about it, I was living at XXXX XXXX XXXX XXXX, XXXX XXXX, FL, to demonstrate that I would n't have known anything about the loan. Between the XXXX address I have been residing in XXXX XXXX almost 20 years or more actually. I do not deserve to keep going through this. I am asking once again to please release me of liability.
Company Response:
State: FL
Zip: 33426
Submitted Via: Web
Date Sent: 2016-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-19
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: In late XXXX XXXX, I requested a wire transfer in the amount of {$12000.00} from my personal checking account to my friend 's personal account in XXXX. As I frequent his residence in XXXX, I had asked him to purchase a car on my behalf so that I may have use of it. My friend never received the funds. I contacted KeyBank multiple times to inquire the status of the wire transfer. The response was always, " I do n't know. '' After my 1 week of inquiries I learned that a fraud investigator was assigned to look into the wire request and that the wire was never sent. On XXXX XXXX, XXXX, XXXX XXXX of XXXX County Department of Jobs and Family Services Adult Protective Services and a XXXX County Ohio Sheriff 's Detective arrived at my home. I was questioned by XXXX of APS and fully cooperated with her. However, I feel that the Detective was asking questions that violated my HIPPA rights and feel he had no need to know the answers to them. I did answer his questions. I feel that as I had nothing to hide, I wanted to fully cooperate. He inquired as to my health conditions, what medications I take, what my parents died of, how often I visit a doctor, if I was behind on a mortgage payment, how much the mortgage payment was and other questions that had nothing to do with the matter at hand. I asked the Detective if I had done anything illegal. His response was, " No. '' He did indicate that he found my relationship with my friend " odd. '' Before XXXX XXXX left, she indicated that I was capable of making my own decisions and she left a message XXXX XXXX, XXXX ( which I have saved on my voicemail ) stating that she was closing the case and that I am capable of making my own decisions and doing what I decided to do with my money. About a week later, I first heard from XXXX XXXX from KeyBank 's Fraud Investigation group. When I spoke with him on the phone, he told me he found my relationship with my friend odd, in his past experience all XXXX are scammers, and if KeyBank were to send this wire, my friend would then have have access to my checking information and in turn be able to hack every other KeyBank account. He indicated that for these reasons he would recommend to the branch that they close my account. This was the last I heard of this situation until XXXX XXXX, XXXX. A message from a branch manager was left on my home answering machine. Upon my return from XXXX on XXXX XXXX, XXXX, I received the XXXX messages. the first indicated that they would be closing my account. The second message indicated that I had until XXXX XXXX, XXXX to come in the branch to collect my funds. On XXXX XXXX, I went to my local branch to close my account and speak with the manager. She was on vacation, but a banker and the lead teller were able to assist me. The lead teller informed me that XXXX emailed the lead teller and told her to close my account. I attempted to reach XXXX, but he was out of the office. He returned my call on XXXX XXXX, XXXX and indicated on my voicemail that the account was closed because of the wire in XXXX. I then emailed XXXX to ask him the multiple questions I had and requested a formal letter on KeyBank letter head by Friday XXXX XXXX, XXXX as to the exact reason my account was closed. He did not answer my questions to my satisfaction, instead cited KeyBank 's general policy of exiting a relationship at their discretion. To date I have not received a formal letter either through email or US Postal Services indicating the reason my account was closed. I feel embarrassed, violated and discriminated against. I feel XXXX used his prejudices his past experience and was judgmental without any consideration for the actual facts of the matter.
Company Response:
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2016-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-13
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I opened an account with keybank under a promotion after reading the wording on the promotion of had questions so I call the bank to get clarification on the promotion. Asking questions about it my question was can I deposit the XXXX dollars in split payments of XXXX each payment representative states yes as long as it is done with in the time frame I reiterate that I am splitting it representative states of will be fine. I call an double check on progress and every rep indicates I am on course just need the time frame to expire. Once it is time to pay me XXXX they state I do n't meet the criteria I explained I double checked on this and was told by there employees I was okay to deposit the money the way I did. Had to call the executive officer where I had to call them back several times to get told they can not pull the calls so they asked an employee to recite the promotion so due to that you 're investigation was over and I will not get the money. I explained I should not be penalized due to there employees telling me wrong. They said it is in writing I explained yes I know that and did not complete understand it so called to clarify and was told wrong or this would have been done correctly and I would have gotten the money promised.
Company Response:
State: UT
Zip: 84047
Submitted Via: Web
Date Sent: 2016-06-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No