Consumer complaint received 2015-10-20
Company: KEYCORP
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Since XXXX/XXXX/XXXX I have been being called about a payday loan from XX/XX/XXXX or XX/XX/XXXX related to an email address that is not mine. They have called my old boss, my cell, my ex sister-in-law, my daughter and my sister. All have been called multiple times. They are playing a recording that states " client action is imminent and me or my legal counsel need to contact them immediately ... .litigation specialists .... escalated to our final review department ''. I have spoke with them and they refuse to provide my any type of documentation of the debt. They refuse to provide a mailing address or fax #, stating they only communicate via email giving their email address as XXXXXXXXXXXX. They are stating the debt originated with XXXX XXXX XXXX, but they work with XXXX companies so i may not know the name specifically. They identified on this last call as XXXX or XXXX XXXX XXXX and i was talking to the location in XXXX. I spoke with XXXX XXXX and XXXX XXXX on XXXX/XXXX/XXXX. XXXX XXXX spoke with my daughter the day before and told her i was in serious financial trouble. On XXXX/XXXX/XXXX she told me there is a civil complaint filed against me for XXXX pending charges of Breach of Contract and Intent to Defraud a Financial Institution. I asked her if it was filed with a court. When i asked where the complaint was filed she hung up on me. Prior to that they told me the statute of limitations had expired for this so by law they had to lower the debt. Stating that the original loan was {$500.00}, had a balance of {$1800.00}, so due to the statute of limitations expiring they are lowering the debt to {$950.00} and will accept {$600.00} to close it it out or they will mark it as a refusal. I told her that the email address they gave me was not an address i ever had, she stated that email address is linked to my social security number. The messages left in the past, specifically on XXXX/XXXX/XXXX had identified as XXXX XXXX to complete and order of process for several pending matters that i am currently being investigated for. In the meantime she is verifying my current employment and mailing address. And that failure to comply will result in forfeiture of your right to resolve outside of court and a civil complaint will be filed against you in your local county clerks office and simultaneously you will also be served to appear and to govern myself accordingly. These calls outpulse a local area code which is misleading. The information they are giving me and everyone that they have called is threatening. They have identified i have a debt and that possible legal action is being taken against me. Originally the debt was identified from XX/XX/XXXX, i advised i filed BKR in XX/XX/XXXX, now the debt is being identified as originating XX/XX/XXXX. 
XXXX/XXXX/XXXX - called and left a message with my old boss. the same message they have left before. " client action is imminent and me or my legal counsel need to contact them immediately ... .litigation specialists .... escalated to our final review department ''. When my boss called the number back XXXX to tell them that she has told them multiple times to stop calling her she spoke with XXXX XXXX. 
between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX - their phone number again called my old boss. it dialed her number 6 times and would just hang up. She called it back to again advise to stop calling her and get some type of identity information from them. After the XXXX attempt to get some information about their name and mailing address, they identified their parent company as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX CA XXXX, XXXX. and that the name of their company is XXXX XXXX or XXXX. At this point they have given multiple names of the company. 
XXXX/XXXX/XXXX - called my cell two times in a row and left a voicemail again from XXXX XXXX and then called work and left same

Company response to consumer: Closed with explanation