Chat and instant messaging (IM) are short messages sent and read in real time, allowing you to converse more quickly and easily than email.Chat and IM are generally used when both (or all) people are online, so your message can be read immediately.
However, they can have slightly different meanings: There are numerous chat and IM programs you can download, including Skype, ICQ, AOL Instant Messenger (AIM), and Yahoo!
Messenger (all of these can also perform voice and video chat).
You have certain rights under Federal law related to resolving errors and requesting information about your mortgage loan.
If you think Key Bank has made an error in servicing your loan, or you would like to request information relating to the servicing of your loan, please notify us in writing of the alleged error or requested information.
By comparison, an email message won't be seen until the recipient checks his email, meaning that chat and IM are better for quick messages and conversations.