You can often get better rates with a national lender, but the customer service is non-existent, communication probably sucks, they may ask for the same documents multiple times, etc.

@Jules AtonWe have started marketing to our guests as it is cheaper to keep a customer than to find a new one.

At the national level, it's the best of the worst in that industry - a lot left to be desired in the customer service department but still better than doing it on your own.

All interest rates and payment plans are custom made to work for both parties therefor creating a win win scenario.As far as partnering with the banks goes.

Customer service is always great when they have something to sell, I am sure you know this. 

I was unfortunately denied as of yesterday, but she said it's because I am a new customer for Key.

I've had some not happy when I have asked them to split it out.I've tried asking questions to the IRS customer service reps, and didn't have the best luck.While I cannot cite a specific official guidance on this issue, I consider debit cards exempt.

It’s entertaining to them sure but it solves nothing as there’s always 2 sides to the story the customer and the business.

Several factors indicate the company is not that concerned about efficiency or ease of customer process: the website, a process that seemed to focus on one issue at a time instead of all issues at once, and consistently poor communications and lack of common sense from the loan analyst we were assigned.It started off very well with the initial point of contact, Austin Lornson, who did a fine job of explaining the general refinancing process, responding quickly and thoroughly to our questions.

Also, would you be willing to message me a link to one of your Booking.com listings so I can see the format, etc from a customer point of view?