Consumer complaint received 2018-04-15
Company: Key 2 Recovery, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a letter from Key 2 Recovery ( Letter enclosed ) claiming I owed a debt to their company. On XX/XX/XXXX, I immediately responded requesting verification ( letter enclosed and verification of signature receipt ). On XX/XX/, Key 2 Recovery received the letter and responded. The letter contained a black and white photo of a computer generated screen with what appears to be a first and last name similar to mine. In the screenshot there is no mention of Key to Recovery or any legible facts which would constitute a contract. Furthermore, the screenshot states a bill to XXXX is owed is {$750.00}. However, Key to Recovery invoice has balance of {$1200.00} with no apparent explanation. In response to the letter I received, I again sent correspondence to Key 2 Recovery ( letter enclosed and verification of signature receipt ) explaining my continued desire to seek clarity. No response! However, on XX/XX/XXXX, I received an alert that a collection account was added to my account from Key 2 Recovery which is unacceptable. Like the lawsuit CFPB vs XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX, Delaware Statutory Trusts. Like the XXXX, Key 2 Recovery is misleading in their practice to collect debt. Like the affidavits in the CFPB lawsuit, the actions of Key 2 Recovery to place this debt on my credit profile exhibits I had personal knowledge of the education loan records evidencing the debt which is untrue. Furthermore, like the affiliates in the CFPB lawsuit case, I lack personal knowledge of the education loan records evidencing the debt and further questioned validity once I received the validation letter. Furthermore validation should be seen Clearly and Prominently means i. as to written information : written in a type size and location sufficient for an ordinary consumer to read and comprehend it and disclosed in a manner that would be easily recognizable and understandable in language and syntax to an ordinary consumer ; if the information is contained in a multi-page print document, the disclosure appears on the first page. Lastly, referencing the order signed by the US district Judge, a document signed by the Consumer, such as a promissory note, evidencing the agreement to pay the loan forming the basis of the Debt should be rendered before taking any action against me or my credit profile. 

Key 2 Recovery lack of due diligence in my case should not be tolerated and deserves the same attention given to XXXX XXXX XXXX XXXX XXXX XXXX. Also considering the amount of responses from them of acting within in contractual limits is not sufficient. The CFPB will continue to receive these kinds of complaints unless legal action is taken. Considering the size of complainants in the database against Key to Recovery, a class action lawsuit is inevitable.

Company response to consumer: Closed with explanation