Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Key 2 Recovery, Inc.
State: VA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against XXXX XXXX XXXXXXXX and Key 2 Recovery , Inc for unethical, misleading, and unfair business practices related to my son 's online high school enrollment, billing, and subsequent collection activity.

My son was initially enrolled in XXXX XXXX XXXX online high school diploma program while he was still a XXXX  I paid XXXX XXXX XXXX a total of {$1800.00} for this program. Due to significant and traumatic family circumstances, my son was unable to complete the coursework during that time. 

After my son turned XXXX, I reviewed XXXX XXXX XXXX adult high school diploma program. Their website advertised that students could pay only for the months you need, which reasonably led me to believe that tuition would only be charged for months in which the student actively participated. Based on this representation, I encouraged my son to enroll in the adult program so he could complete his diploma. 

In XX/XX/XXXX, XXXX XXXX XXXX obtained my credit card information and began charging {$99.00} per month for my sons adult program tuition. 

However, my son did not participate in, attend, or complete any coursework since late XX/XX/XXXX. Once it became clear that he was not engaging in the program, I contacted XXXX XXXX XXXX multiple times to request cancellation of the enrollment and billing. 

Despite these requests, I was told that because my son was now over XXXX XXXX XXXX, the school would not discuss his account with me and would not cancel the chargeseven though : I was the individual paying for the program XXXX XXXX XXXX accepted my credit card payments My son was not using or receiving the services XXXX XXXX XXXX continued charging my credit card {$99.00} per month from XXXX through XX/XX/XXXX. 

In XX/XX/XXXX, a representative from XXXX XXXX XXXX explicitly advised me that I could stop payment through my bank if I wanted the charges to stop. Acting on this guidance, I canceled the payments through my bank. Despite this, XXXX XXXX XXXX continued attempting to charge my card in XXXX and XX/XX/XXXX, which required me to formally dispute those charges. 

In XX/XX/XXXX, my son received a collection letter from Key 2 Recovery , Inc . This letter stated that as of XX/XX/XXXX, my son allegedly owed XXXX XXXX XXXX {$190.00}, representing XXXX months of tuition. 

This claim is inaccurate and troubling for several reasons : The {$190.00} allegedly owed is for services my son did not use or receive XXXX XXXX XXXX had already charged my credit card for the same period and did not issue a refund Key XXXX Recovery added an additional {$260.00} in collection fees The collection effort was directed at my son, causing him fear and distress, even though XXXX XXXX XXXX had already charged me for the same tuition ( Please see attached bank credit card information ) This conduct is particularly concerning given that XXXX XXXX XXXX advertises that students pay only for what they need, a representation that is clearly misleading based on our experience. 

My primary concerns include : Failure to honor repeated cancellation requests Charging for educational services not rendered Misrepresentation of billing and cancellation policies Improper and intimidating debt collection practices Shifting alleged financial responsibility to an XXXX young man who is trying to overcome after the school already collected payment from me I believe these actions XXXX violate state and federal consumer protection laws as well as fair debt collection regulations.

Company response to consumer: Closed with explanation