Consumer complaint received 02/29/2016 about Student loan (Non-federal student loan) with KEYCORP (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have XXXX private student loans with KeyBank which I have been paying since XX/XX/XXXX. I studied at Arizona School XXXX XXXX XXXX in XXXX, AZ, in XX/XX/XXXX-XX/XX/XXXX, and I graduated XX/XX/XXXX with a XXXX XXXX XXXX in XXXX studies. 
XXXX of the KeyBank loans is paid off and closed ; the remaining XXXX loans were wrongfully charged off by KeyBank XX/XX/XXXX 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 XXXX NON EXISTING DEFAULTED LOANS KeyBank has recently started reporting XXXX non existing student loans under XXXX - a bank which was closed XX/XX/XXXX because it was bought by KeyBank ( Exhibit XXXX ) - five years before the loans in question were opened. I have never had any student loans with XXXX. 
2. MULTIPLE WRONGFUL REPORTING OF PRIVATE STUDENT LOANS AS " CLAIM FILED WITH GOVERNMENT '' STATUS I only found out about " claim with government '' from my credit report. KeyBank has never notified me re filing a claim with government, and has refused to give me any information regarding 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 XXXX. 
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 XXXX ) 4.1 NO PROPER NOTIFICATION PRIOR TO CHARGE OFF OF LOANS, SO I MAY CURE DEFAULT. 
According to terms of Promissory note attached ( page XXXX ) ; paragraph XXXX : " ... 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 XXXX. 
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 XXXX re default - my Bankruptcy was begun and discharged XX/XX/XXXX and KeyBank was properly notified- Exhibit XXXX. 
I did not make any payments on my loans from XX/XX/XXXX to XX/XX/XXXX. I did not request any special arrangement or sign any document with KeyBank during that time. Please see attached loan payment history pages Exhibit XXXX pages XXXX. 
Any charge off should have been done by KeyBank XX/XX/XXXX according to the 60 day rule used by them - Exhibit XXXX XXXX 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 XXXX p XXXX XXXX KEYBANK MISINFORMED ME XX/XX/XXXX 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 XX/XX/XXXX. - Exhibit XXXX. 
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 XXXX

Company response to consumer: Closed with explanation