Collections for Credit Unions, Banks and Debt Buyers

Key 2 Recovery collects past-due and charged-off consumer accounts for credit unions, banks, lenders and debt buyers, on contingency. Our process is documented and our security is independently audited, so your compliance team can review it.

What we collect

• Credit card balances
• Personal, installment and auto loan deficiencies
• Overdrawn and closed checking accounts, and returned checks (NSF)
• Buy now, pay later and fintech loans
• Purchased portfolios placed by debt buyers

For credit unions and banks

• We treat your members and customers with respect. Many of them will bank with you again.
• Early-stage and third-party collections, so we can step in at the point that suits you.
• Ready for your vendor due diligence: SOC 2 Type 2 report, PCI DSS Attestation of Compliance and state license copies.
• Contingency fee only. No upfront cost and no per-account fee.

For debt buyers

• We don't buy debt, so we never compete with you for portfolios.
• We work every account you place, including older and smaller balances.
• Disputes and validation requests are handled and documented promptly.
• See every account in real time in our client portal, with reports emailed to you automatically.

Security and compliance

Licensed to collect nationwide (licensed or registered in every state that requires it). SOC 2 Type 2 audited with no exceptions noted, and PCI DSS v4.0.1 compliant for card payments. We follow the FDCPA, Regulation F and the ACA Code of Ethics. Member of ACA International. BBB Accredited Business. Licenses and audit details.

Questions lenders and debt buyers ask