KeyBank NA Student Loan Complaint

KeyBank NA Student loan department,

Non-federal student loan Can't repay my loan Can't get flexible payment options California

I have - private student loans with KeyBank which I have been paying since -/-/-. I studied at Arizona School - - - in -, AZ, in -/-/--/-/-, and I graduated -/-/- with a - - - in - studies. - of the KeyBank loans is paid off and closed ; the remaining - loans were wrongfully charged off by KeyBank -/-/- in breach of the terms of the promissory note signed. SOME OF THE ILLEGAL PRACTICES KEYBANK HAS USED AGAINST ME INCLUDE : 1. FRAUDULENT DEROGATORY REPORTING OF - NON E-ISTING DEFAULTED LOANS KeyBank has recently started reporting - non existing student loans under - - a bank which was closed -/-/- because it was bought by KeyBank ( Exhibit - ) - five years before the loans in question were opened. I have never had any student loans with -.


this. Additionally, according to CPFB website, " Key differences between private and federal student loan debt '' - " ... a debt collector seeking to recover a private student loan does not work for, represent, or collect on behalf of the US Department of Education or any other branch of the federal government '' .... Exhibit -. KeyBank has never informed me regarding filing any claim with government or guarantor against me, however it keeps reporting this with the credit bureaus. 3. MULTIPLE DEROGATORY REPORTING OF SAME STUDENT LOANS WITH DIFFERENT INFORMATION ( DIFFERENT BANK, TERMS, PAYMENT HISTORY, COMMENTS ETC ) FOR THE DIFFERENT CREDIT BUREAUS. Due to this, my credit has been devastated. The Credit Bureaus have told me that only the reporting creditor can remove this information from my credit, and KeyBank refuses to fix it. 4. BREACH OF TERMS OF PROMISSORY NOTE BY KEYBANK ( Exhibit - ) 4.1 NO PROPER NOTIFICATION PRIOR TO CHARGE OFF OF LOANS, SO I MAY CURE DEFAULT. According to terms of Promissory note attached ( page - ) ; paragraph - : " ... any notice that you are required to give me will be effective when mailed by first class mail ''. Also paragraph I regarding default " ... you will have the right to give me notice ... so that I may cure default ''. Regarding additional details Exhibit -. 4.2 IMPROPER CHARGE OFF - BY USING 60 DAY BANKRUPTCY RULE FOR CHARGE OFF 5 YEARS AFTER BANKRUPTCY WAS DISCHARGED ; AND GOOD PAYMENT HISTORY FOR 13 PLUS YEARS. Promissory note attached, paragraph - re default - my Bankruptcy was begun and discharged -/-/- and KeyBank was properly notified- Exhibit -. I did not make any payments on my loans from -/-/- to -/-/-. I did not request any special arrangement or sign any document with KeyBank during that time. Please see attached loan payment history pages Exhibit - pages -. Any charge off should have been done by KeyBank -/-/- according to the 60 day rule used by them - Exhibit - - KEYBANK DISREGARDED THE DOCUMENTED HARSHIP INFORMATION I HAD SUBMITTED, AND REFUSED FORBEARANCE OR DEFERMENT OR REINSTATEMENT AS OUTLINED IN THE TERMS OF THE PROMISSIORY NOTE paragraph. H - Exhibit - p - - KEYBANK MISINFORMED ME -/-/- THAT MY PRIVATE STUDENT LOANS WERE NOT DISCHARGEABLE THROGH BANKRUPTCY 5 KEYBANK REFUSED TO CONSOLIDATE MY LOANS DESPITE MULTIPLE REQUESTS ; AND LIED TO ME THAT THERE IS NO CONSOLIDATION PROGRAM AVAILABLE FOR PRIVATE LOANS. I have recently found out that KeyBank has had a consolidation program in place for private loans since -/-/-. - Exhibit -. 6 OTHER UNFAIR AND DECEPTIVE PRACTICES USED BY KEYBANK, DEMONSTRATING CLEAR BIAS AGAINST ME - MISINFORMING, LYING, OFFERING DEAD END SOLUTIONS, REFUSING TO GIVE ME ACCESS TO MY FILES - Exhibit -