Consumer complaint received 2022-10-20
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: KEYCORP (OH)

I have filed complaints with Civil Rights XXXX, XXXX Federal bankruptcy to reopen for violating bankruptcy and retaliation against during co-vid19 that left me homeless. I have reported the actions to federal trade and other government agencies. 
I only had indirect loans with KeyBank National Association through XXXX XXXX XXXX 's first-time Homeward program market to XXXX XXXX XXXX  with kids. KeyBank mispresented the mortgage relationship to be direct and has illegally used my mortgage information against me and my bankruptcy discharge court order by pretexting the mortgage as a direct loan in connection with mortgage services XXXX Mortgage XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. These companies worked together and collected funds unlawfully with the intent to harm and cause finical injury that left me homeless in XX/XX/XXXX, after KeyBank went against the XX/XX/XXXX bankruptcy pretrial and forged my name on a note in XXXX in the court appeal. KeyBank knew that the mortgage notes XXXX, XXXX had a statute of limitation and that mortgage documents provided to the court of appeal were inconsistent with the original TIL signed in XXXX. In XXXX bankruptcy noted that the mortgage would be considered void under bankruptcy discharge court orders in XXXX and XXXX. In XX/XX/XXXX, I requested federal bankruptcy to reopen the case for violating the bankruptcy code. 
XXXX Therefore, I interpret the letter ( incident report ) ; I received from KeyBank about credit as a threat and retaliation against me because I filed to reopen my XXXX XXXX Bankruptcy case. This case relates to the unlawful XXXX of my property that KeyBank never owned because ; then my debt was XXXX and paid off. Taken unlawfully during the midst of the federal moratorium Covid-19 pandemic, my house that KeyBank claimed was transferred during the bankruptcy proceeding as being serviced by XXXX XXXX XXXX and further claimed that they brought a loan from a pool. The mortgage debt that KeyBank took misrepresented and untrue delinquent loans because the original document that I signed at the XXXX XXXX XXXX XXXX program during the XXXX closing declared the loan had no assumption. The mortgage procedure of foreclosure was a form of retaliation against my bankruptcy discrimination after I made reports through consumer protection XXXX. Therefore, KeyBank appears to engage in a nationwide scheme that takes advantage of low-and-moderate income consumers like me through the XXXXXXXX XXXX 
False Promises and Misrepresentations Related to the Extension of Loan and Insurance Products to Ohio Consumers ( False Promises, Misrepresentations ) of the save the Dream program. Failure to Make Required Disclosures Prior to Consummation of the Loan after receiving funding through the federal crisis program retaliated against me for filing XXXX XXXX bankruptcy basis of Discrimination and retaliation. Lender unlawfully and unreasonably went against the Consumer Protection Act : Unfair and Deceptive Acts and Practices Related to the Extension of Loans modification program that had clear debt and Insurance, Including Charging for Add-Ons Without Consumers Consent through the MER system, Concealing Commissions, and Loan Flipping through Mortgage service during a time of the state of emergence and federal moratorium.