Debt collection -- Attempts to collect debt not owed -- Complaint #13727281
Complaint Overview
Complaint ID: 13727281
Company: Keycorp
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Ohio
ZIP Code: 44011
Date Received: 2025-05-26T12:00:00-05:00
Date Sent to Company: 2025-05-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this non-duplicative complaint against KeyBank National Association and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX for their failure to provide proper validation of a debt I dispute. On XX/XX/XXXX, I received a " validation '' from XXXX consisting only of account statements, lacking forward flow agreements, securitization documents, or any evidence establishing the debts legitimacy. This debt, associated with a KeyBank account, is invalid as I question its origin and accuracy. I previously requested validation, but this response falls short of legal requirements, causing ongoing financial harm. Inadequate Validation : The statements from XXXX do not include forward flow agreements, securitization documents, or proof of my liability, rendering the " validation '' insufficient under the law. XXXX XXXX : KeyBank, as the creditor, has failed to ensure proper documentation, allowing XXXX to pursue an unverified debt. Impact : This disputed debt harms my credit score and causes distress, as it remains unresolved despite my efforts. Prior Actions : This complaint is distinct from prior CFPB complaints ( # XXXX, # XXXX, # XXXX ) and recent filings against XXXX and XXXX, focusing solely on KeyBank and XXXX validation failure. Legal Violations : FCRA 1681s-2 ( b ) : KeyBank must investigate disputes and correct inaccurate data ; failure to provide proper documentation violates this section. FDCPA 1692g : XXXX must provide full validation ( e.g., original agreement, chain of title ) within 30 days of my dispute ; statements alone are inadequate, per Green v. XXXX XXXX XXXX XXXX ( XXXX, Virginia XXXX XXXX XXXX, Record No. XXXX ). FDCPA 1692e : Misrepresenting statements as validation is a false representation, supporting damages. FCBA 1666 : I dispute this as a billing error ; lack of proper validation requires correction. FTC Act 5 : Pursuing an unvalidated debt is an unfair practice. Ohio CSPA ( ORC 1345.02 ) : Deceptive collection practices by XXXX and KeyBanks oversight violate Ohio law.
Frequently Asked Questions
What is Complaint #13727281 about?
Complaint #13727281 was filed against Keycorp regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-05-26T12:00:00-05:00.
How did Keycorp respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Keycorp?
Yes, visit the Keycorp company profile at readthecomplaint.com/company/keycorp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.