Date Received: 2024-01-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My account was froze by Key bank, XXXX XXXXg i couldnt use my debit card so i went to the XXXX XXXX XXXX in XXXX and spoke to the manager there he did not know why it was restricted made some calls after which He asked for proof of sale for my farm because i had received a wire from advantage title company who received payment from the buyers chase bank account. I provided the documents, the lawyer who created the documents and notarized them contact information, the title company contact information even the extension of the employee who handled the transaction. This was XXXX XXXX XX/XX/XXXX. XXXX noone has provided me with any further information or time when they will or if they will release my accounts. I have done nothing wrong and the title company handled the wire transaction i need access to my money. Or at least a reason why this is happening and when it will be resolved.
Company Response:
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: Companys involved : XXXX & key bank Key bank report number : XXXX ( Police XXXX and report number ) Police report # : XXXXXXXX XXXX XXXX XXXX # XXXX Detective Direct Number : XXXX XXXX Ohio XXXX XXXX : XXXX ( XXXX XXXX XXXX Id ) : XXXX XXXX I was running a small studio business out of my house I had a client XXXX me at gunpoint ( XX/XX/2023 ) and took all my money including other valuables He took my phone that was on my desk and sent himself {$530.00} On XXXX I didnt authorized this transaction I contacted key bank about this transaction and they resolved it in a timely manner but then a few months later I open my bank and see {$530.00} Missing out of my bank account they said the evidence I gave them was not enough so they took back the funds. I called key bank and asked to re open the case and gave them police report numbers and they said they would give me a resolution by XX/XX/XXXX Fast forward to XX/XX/XXXX I call back key bank and they say that the investigation is still going on and waiting for XXXX XXXX Ive given them all the information they could need including police report numbers Dates Police phone numbers listed above But they keep delaying a resolution I called XXXX support and they keep telling me they are working with my bank to resolve the issue but theyve just been delaying it
Company Response:
State: OH
Zip: 43228
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I wrote a company check # XXXX in the amount of {$3000.00} drawn on a commercial checking account to pay a vendor 's invoice and mailed it to the vendor 's accounts receivable address. The check was intercepted while in transit by an unknown/unrelated individual who endorsed ( with a signature ) and deposited into their personal checking account, clearing my bank on XX/XX/XXXX. After realizing the fraud, I contacted my bank who initiated an investigation. As of today, XX/XX/XXXX, no resolution or progress has been made to rectify the bank 's blatant error.
Company Response:
State: NY
Zip: 132XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a secured credit card, was approved, and I funded it immediately. Key won't send my card until they verify my address. An address that Key has on file for my other accounts, and this address shows on XXXX. XXXX people have called me multiple times regarding my address. I spoke to XXXX XXXX XXXX and told him that this whole process is convoluted and I'd like to cancel my app. He said he could do that for me right now, and did. Then I get an email that says I was DECLINED. And my {$300.00} security deposit which they took immediately has not been returned.
Company Response:
State: OR
Zip: 97266
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Im a XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. My father was a XXXX during the XXXX XXXX at saw combat at the XXXX XXXX. At the age of XXXX, he XXXX XXXX from what we now know as XXXX. This motivated me to honor veterans with high school teenagers. For XXXX years, XXXX high schools, XXXX students, Ive have taught students that the cost of their freedom comes at a very high price. From XX/XX/XXXX - XX/XX/year>, my wife and I drove a XXXX XXXX XXXXXXXX to honor and apologize to our XXXX XXXX. During our stop in XXXX, Ohio, my Non- profit debit card information was somehow stolen and used at two different XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At the same time, I was using the card at all of our stops around XXXX. I started the fraud investigation with Key Bank Fraud department. Hours were spent over the phone going over every transaction. After about four months, my claim was denied. I called and asked to reopen the case. It was denied a second time this past XXXX. I was told that I had to have made those purchases. I asked how could I have made all of the other purchases around XXXX during the same time period. I still have not received an answer. Remembering XXXX XXXX is a small non-profit, just em and my wife, no salaries, and we are talking about {$1200.00}. This is a huge loss for us. I was forced to cancel XXXX appearances with XXXXXXXX XXXX in Oregon. I hope and pray that you can help me. Getting the {$1200.00} back would be very helpful, but a donation to XXXX. would help heal all the frustration and stress Ive dealt with.
Company Response:
State: OR
Zip: 97013
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have Demanded several times that I want to Opt out of Key Bank using my information. They have continued to ignore me I have sent them an opt out letter last year and have yet to hear back from them. They have taken my private information and furnished to XXXX XXXX which is a third party, That I did not contract with. The have violated my rights in pursuant to the privacy act of 1974 and pursuant to : 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. * 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice.Ifyouare required to provide an opt out notice under 313.10 ( a ), youmust provide a clear and conspicuous notice to each ofyourconsumers that accurately explains the right to opt out under that section. The notice must state : ( i ) Thatyoudisclose or reserve the right to disclosenonpublic personal informationaboutyourconsumer to anonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( f ) Continuing right to opt out.A consumer may exercise the right to opt out at any time. 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described insection 6805 ( a ) of this title, other than the Bureau ofConsumerFinancial Protection, shall establish appropriate standards for thefinancial institutionssubject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title. ( b ) Opt out ( 1 ) In general Afinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. 17 CFR 240.15c1-2 - Fraud and misrepresentation. 240.15c1-2 Fraud and misrepresentation. ( a ) The termmanipulative, deceptive, or other fraudulent device or contrivance, as used insection15 ( c ) ( 1 ) of the Act ( section 2,52 Stat. 1075 ; 15 U.S.C. 78o ( c ) ( 1 ), is hereby defined to include any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person. ( b ) The termmanipulative, deceptive, or other fraudulent device or contrivance, as used insection15 ( c ) ( 1 ) of the Act, is hereby defined to include any untrue statement of amaterialfact and any omission to state amaterialfact necessary in order to make the statements made, in the light of the circumstances under which they are made, not misleading, which statement or omission is made with knowledge or reasonable grounds to believe that it is untrue or misleading. ( c ) Thescopeof thissectionshall not be limited by any specific definitions of the term manipulative, deceptive, or other fraudulent device or contrivance contained in other rules adopted pursuant tosection15 ( c ) ( 1 ) of the act.
Company Response:
State: IN
Zip: 47909
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A week ago started seeing problems with my KeyBank checking account. Could send ACH or use XXXX. Have called called customer service at XXXX and they confirmed that account is locked due to fraudulent wire transaction and I was advised to go to my nearest branch to unlock it. I live in XXXX now, when I opened account used to live in XXXX. Now my nearest branch is in XXXX. Customer service told me to try contacting branch where I opened account and that branch is in XXXX, XXXX. Have called them but they didn't help in resolving my problem with locked account and my funds are unavailable for use.
Company Response:
State: TX
Zip: 76040
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: KeyBank allowed several unauthorized charges on my account for a service I dont use or have no knowledge of. They overdrafted my account XXXX and took XXXX dollars out of my check too cover the remaining balance. They have expressed too me that they feel there was fraud on my account but refused to give me back my money.
Company Response:
State: WA
Zip: 98118
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XXXX. I requested several times for illegally withdrawn amounts on my account be stopped. There are fraudulent withdrawls from vendors in countries that run rampant with scams. I provided all the documentation to a key individual at the branch, she notarized my signature on the forms, then never submitted them. I followed up on the charges, and I was ignored. I reached out numerous times to find out what is going on, resubmitted the documents via email, and finally after weeks was informed that I have to open a new account and that all of the charges are valid. This is incorrect. They are not valid. I do not authorize them. I have documents I would like to upload, they show all the necessary information. XXXX. I lost my phone and can not access my account because it sends a XXXX time code. I called Key Bank call centers and branch locations and they refused to let me update my phone number regardless of the suggestions I had such as sending a notarized statement, or a zoom call with me holding up my passport, drivers licence, verifying PII, etc. I am XXXX, and had reconstructive XXXX. I am immobile. I can not hop in a car XXXX XXXX to another state so that I can show them my DL in person, just to update a phone number so that I XXXX access my account. I requested their policy, and was refused. I requested the law, the reason, etc and was simply told " We cant do it '' so as a XXXX person, I made a reasonable accomodation request that they make an adjustment to their policy about proving identity in person and allowing a different verification method since I am immobile. They refused. The IRS does it, XXXX does it. I think they could also verify via zoom or a notarized document. It is considered discrimination against a XXXX when you do not make an adjustment to policy that would not adversly effect their institution. Furthermore, they cry security risk yet allow scammers from XXXX to continue to steal my money every month, so how does that compute? XXXX Key Bank call center XXXX XXXX and XXXX. Call # XXXX
Company Response:
State: MT
Zip: 599XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XX/XX/XXXX Key bank opened an savings account and chequing account and on XX/XX/XXXX they closed the accounts for no apparent reason. The bank is XXXX and biased because they closed the accounts without informing us why! The bank has violated the 14 th Amendments ' Equal Protection Clause. Also the deposit that I deposited in both savings and chequing account was not reimbursed and I am really in need of my funds.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A