Consumer complaint received 2022-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: KEYCORP
State: IN

Complaint narrative:
Hello and thank you for your response but you have not addressed the last letter correctly therefore the outstanding issues still apply and now we have NEW issues. 
You stated the loan was not sold yet you do not have to provide evidence of a boat trailer title in the state of California or, we assume, Indiana. 
Below is the states that require title : Arizona Arkansas ( Boat trailer title is not required if the trailer weight is under 3000 pounds ) California Colorado Connecticut ( Boat trailer title is not required if the trailer weight is under 3000 pounds ) Delaware Florida ( Boat trailer title is not required if the trailer weight is under 2000 pounds ) Georgia ( Boat trailer title is not required if the trailer weight is under 2000 pounds ) Idaho ( Boat trailer title is not required if the trailer weight is under 2000 pounds ) Illinois Indiana Iowa ( Boat trailer title is not required if the trailer weight is under 2000 pounds ) Kansas ( Boat trailer title is not required if the trailer weight is under 2000 pounds ) Kentucky Louisiana ( Boat trailer title is not required if the trailer weight is under 1000 pounds ) Maine ( Boat trailer title is not required if the trailer weight is under 3000 pounds, and if the trailer bought in XXXX or older ) Maryland Massachusetts ( Boat trailer title is not required if the trailer weight is under 3000 pounds ) Michigan ( Boat trailer title is not required if the trailer weight is under 2500 pounds ) Minnesota ( Boat trailer title is not required if the trailer weight is under 4000 pounds ) Mississippi Missouri Montana ( Boat trailer title is not required if the trailer length is less than 12 feet ) Nebraska Nevada New Hampshire ( Boat trailer title is not required if the trailer weight is under 3000 pounds ) New Jersey ( Boat trailer title is not required if the trailer weight is under 2500 pounds ) New Mexico New York ( Boat trailer title is not required if the trailer weight is under 1000 pounds ) North Carolina North Dakota ( Boat trailer title is not required if the trailer weight is under 1500 pounds ) Ohio ( Boat trailer title is not required if the trailer weight is under 4000 pounds ) Oregon ( Boat trailer title is not required if the trailer weight is under 1800 pounds ) Pennsylvania Rhode Island ( Boat trailer title is not required if the trailer weight is under 3000 pounds and if the trailer bought in 2000 or older ) South Carolina ( Boat trailer title is not required if the trailer weight is under 2500 pounds ) Texas ( Boat trailer title is not required if the trailer weight is under 4000 pounds ) Utah ( Boat trailer title is not required if the trailer weight is under 750 pounds ) Vermont ( Boat trailer title is not required if the trailer weight is under 1500 pounds ) Virginia Washington West Virginia Wisconsin ( Boat trailer title is not required if the trailer weight is under 3000 pounds ) Wyoming ( Boat trailer title is not required if the trailer weight is under 1000 pounds, and if the trailer bought in XXXX or older ) All the states listed above require you to title your boat trailer if it satisfies their requirements. For some states, there are no requirements. You dont need to title your boat trailer if you live in those states. 

States in the USA that dont require a title for a boat trailer The states in the USA that dont require a title for a boat trailer are listed below. 

ALABAMA ALASKA HAWAII MISSISSIPPI ( If you want, then you can apply for a boat trailer title ) OKLAHOMA ( If you want, then you can apply for a boat trailer title ) SOUTH DAKOTA ( If you want, then you can apply for a boat trailer title ) TENNESSEE Check my article on Title requirements for an outboard motor ( dont worry, it will open in new tab ). Check my article on Title requirements for boats ( dont worry, it will open in new tab ).

Boat trailer title requirements for all the states in the USA In the below table, I listed the Boat trailer title requirements and the dimensions ( length, width, and height ) requirements ( If the boat trailer exceeds a certain length, then you cant use that trailer in that state ) for all states in the USA.

For all the trailer dimensions, the length is the overall length of the trailer. Width is excluding mirrors and safety equipment, and appurtenances up to 6 inches ( around ). Height is overall height, including the boat, kept on the trailer. Trailer weight is equal to the total weight of the trailer + boat. 

STATE Need a title for a boat trailer? Boat trailer you cant tow if they exceeds these dimensions ( in feet ) ALABAMA NO ( No title is required for a boat trailer in the state of Alabama ) Length 28 feet 6 inches Width 8 feet 6 inches Height 13 feet 6 inches ALASKA NO ( No title is required for a boat trailer in the state of Alaska ) Length 53 feet Width 8 feet 6 inches Height 15 feet ARIZONA YES ( Title is required for a boat trailer in the state of Arizona regardless of the trailer weight ) Length 28.5 feet Width 8 feet ( 8 feet 6 inches on certain roads ) Height 13 feet 6 inches ( 14 feet on designated roads ) ARKANSAS YES ( Title is required for a boat trailer in the state of Arkansas if the trailer weight is above 3000 pounds ) Length 28 feet Width 8 feet 6 inches Height 13 feet 6 inches CALIFORNIA YES ( Title is required for a boat trailer in the state of California regardless of the trailer weight ) Length 28 feet 6 inches Width 8 feet 5 inches Height 13 feet 6 inches COLORADO YES ( Title is required for a boat trailer in the state of Colorado regardless of the trailer weight ) Length 45 feet Width 8 feet 6 inches Height 14 feet 6 inches CONNECTICUT YES ( Title is required for a boat trailer in the state of Connecticut if the trailer weight is above 3000 pounds ) Length 40 feet Width 8 feet 6 inches Height 13 feet 6 inches DELAWARE YES ( Title is required for a boat trailer in the state of Delaware regardless of the trailer weight ) Length 40 feet Width 8 feet 6 inches Height 13 feet 6 inches FLORIDA YES ( Title is required for a boat trailer in the state of Florida if the trailer weight is above 2000 pounds ) Length 48 feet Width 8 feet 6 inches Height : 13 feet 6 inches GEORGIA YES ( Title is required for a boat trailer in the state of Georgia if the trailer weight is above 2000 pounds ) Length 53 feet ( 56 feet for boat transporters ) Width 8 feet 6 inches Height 13 feet 6 inches ( 14 feet on designated roads ) HAWAII NO ( No title is required for a boat trailer in the state of Hawaii ) Length 45 feet ; Width 9 feet Height 14 feet IDAHO YES ( Title is required for a boat trailer in the state of Idaho if the trailer weight is above 2000 pounds ) Length 48 feet Width 8 feet 6 inches Height 14 feet ILLINOIS YES ( Title is required for a boat trailer in the state of Illinois regardless of the trailer weight ) Length 53 feet Width 8 feet 6 inches Height 13 feet 6 inches INDIANA YES ( Title is required for a boat trailer in the state of Indiana regardless of the trailer weight ) Length 28 feet 6 inches Width 8 feet 6 inches Height 13 feet 6 inches Link : XXXX : XXXX Additionally, it is federal law for the lender to provide the title to the boat and all attached relative parts, including the trailer. It is also federal law for a boat to be trailered and titled. Therefore, we need the title and you will pay those costs not us. 

In your many documents you did not include the note, the note is what binds this contract and is what you are responsible for, I apologize you do not understand lending law. 

We have reattached the note for your convenience as an added " courtesy ''. It is odd you did not attach the note, why did you leave that out? 

Further, we live in Indiana, your registered agent doesnt have to reside in CA but you do by law have to provide that information. We will look up your corporate headquarters and write the state and department of corporations or banking commission and get this information. Your attorney will have to travel here, it is sad you don't understand this law as well because a registered agent is a representative of your company who is served with lawsuits. 

We will need the name and address and phone of your registered agent in whatever state they reside in within the United States of America. 

You have brought up a NEW point and we will address this with a NEW request. 

We need the registered agent information for KeyBank and are going to sue you for damages and the timeline it took to get title for the boat as well. 

We want you to provide this information and it does not matter if they reside in CA. 

Law states you will travel to us and the damage to us happened here where we live. 

You will do the work not us for obtaining title to the trailer in accordance with the law. 

If KeyBank did not obtain title you broke the law. This trailer was registered before and the prior owner held title, we provided you with ALL documentation and a bill of sale. 

Therefore you will need to obtain title and the costs associated, not us. 

There is no courtesy in giving us some random name who will back you up and a form that we know about so we can pay the costs and take our time obtaining title which by laws in the state of California you are required to have/possess as the lender and by the federal government and state law pass to us the consumer upon paying the laon off. 

I will spare all the many codes and court cases by name as you did with some thrown off legal statute from CA which doesnt encompass and ignores the CA law requiring title for boat trailers. If CA law requires it you have to provide it as you were our lender.

End of story. You dont have the original note that INCLUDES the trailer you may have done your research but you are not providing a legal resolution. You are protecting yourself and trying to get out of your obligation and it wont happen. 

Stop trying to get out of this, the longer you take the more damage and the more money we will sue for, I promise you.

Company response to consumer: Closed with explanation