Date Received: 2023-10-31
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2023, I was paid a direct deposit by my employer. I transferred some money from my XXXX XXXX XXXX XXXXXXXX account ( under KeyBank ) to another account I owned under my name, but my entire account was restricted and I am locked out of being able to access any funds in my XXXX XXXX accounts. Moreover, I wasn't even given a notice of this restriction or an explanation as to why over the weekend until I called myself on Monday during their weekday-only business hours. Apparently this issue is widespread as many others across the web have posted similar holds/restrictions for some reason.
Company Response:
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I joined a gym called XXXX. They are a really tasteless organization. They don't allow you to use the gym except for when they have XXXX minute class sessions where you have to sign up ahead of time, then check in. The trainers are extremely fit, and the class they give is not going to make your body look like theirs. I signed a XXXX month contract, but I stopped going to the gym after XXXX months, and I didn't worry about cancelling because they were just business owners trying to make a living at the end of the day. So I let them keep me on for an extra month without worrying too much about it because they were having to offer reduced prices to get clients. Plus some of the trainers even brought their kids and partners around the classes sometimes. XXXX months later, I'm on my way home from work and I get a text alert that my bank account is overdrawn just as I'm about to pay a bill. it was XXXX drafting my account XXXX months later. I waited patiently. I called the gym during business hours. No one answered. I left a voicemail not calling them out on their bad business, but asking them to return my call. No one called me back. I emailed them, this time politely asking them to cancel my membership. They emailed me back fake apologies for not being available to return my call, which is not what someone does when they're genuinely sorry they missed your call. They should have asked what my call was about so that they could make it up to me. Instead, they had even more requests for me to come in and sign some paperwork and then they would cancel my membership. At this point, I didn't want to get into a fist fight for XXXX reasons. XXXX, they stole my money for XXXX months, and I wanted to call them every name in the book, and XXXX, I would have definitely lost. So I just went to my bank and explained what they had done, and that the XXXX months of auto drafts against my checking account were done without my permission. Then a few days ago, out of nowhere XXXX identical drafts of the exact amount of that gym membership drafted against my checking account with the memo reversal. I called customer service at Key Bank, and a representative told me that they showed a signed document agreeing to auto draft. Again, the document was for XXXX months. They charged me a membership fee for XXXX. The bank representative had a XXXX XXXX XXXX XXXX outburst. He started asking me if I could provide the bank with proof that they cancelled the membership, after all, I submitted the email with XXXX asking me to come in to the gym and sign the cancellation paperwork, but I then I decided not to go there. So this representative told me the bank needed proof that I gave the gym everything it was asking for to cancel my membership for me. He said that if I didn't have proof of cancellation that their document wins, and the reversal stands. He typed a message to him about how he was making no sense. If I would have had proof of cancellation, I would have uploaded that in the first place. I had explained why I didn't have proof of cancellation several times now because I only signed a XXXX month contract. Guess what the representative did next. He exited the chat. He didn't explain that he has a mental illness that causes him to forget about XXXX month contracts and jump down customers ' throats for not paying bills they don't owe. He didn't apologize for losing his temper and accusing me of trying to fool him. He exited the chat without another word. Key Bank still gave XXXX money that I didn't owe them. Then they just stopped listening when I tried to tell them about it. Why would anyone do that?
Company Response:
State: UT
Zip: 841XX
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: -- -- -- NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I HAVE CHOSEN TO EXERCISE MY RIGHT TO CREDIT AS DEFINED UNDER 15 1602f WITH KEYBANK AND HAVE PERFORMED A CREDIT CARD APPLICATION WHIHC HAS BECOME A SECURITY FOR KEYBANK. I ON BEHALF OF PRINCIPAL ACCEPT ALL RIGHTS, TITTLES, EQUITY AND INTEREST. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -NOTICE IT IS FACT I HAVE EXERCISED A RIGHT WITH KEYBANK ALLOWING KEYBANK TO OBTAIN MY CREDIT CARD FOR THE SOLE PURPOSE OF EXTENDING CREDIT AND HAVE BEEN DISCRIMINATED AGAINST DUE TO BEING DENIED CREDIT UNDER THE ECOA FOR EXERCISING A RIGHT. THERE IS NO FEDERAL LAW THAT STATES A CONSUMER CAN BE DENIED A RIGHT BASED ON A FAIR ISAC CORPORTTION SCORE. THIS ADVERSE ACTION HAS CAUSED HARM IN MY DAY TO DAY LIFE AND HAS EVEN LEFT A FALSE NEGATIVE REMARK ON MY REPUTATION WHICH WILL FURTHER HURT MY RIGHT TO CREDIT. KEYBANK HAS OBTAINED MY CREDIT CARD AND CREDIT CONSUMER APPLICATION ( SECURITY ) BUT HAS FAILED IN EXTENMDING ME ME MY CREDIT NOW IN VIOLATION UNDER 15 USC 1644 AND THE SECURITIES EXCHANGE ACT OF 1934. KEY BANK HAS FAILED TO DISCLOSE TO ME AT THE TIME OF APPLICATION OF MY FEDERAL RIGHT TO RECISSION UNDER TRUTH IN LENDING SO NOW UNDER THIS ACT MY DEAD LINE IS NOW 3 YEARS. SINCE KEYBANK HAS CHOSEN TO DENY ME A RIGHT BUT OBTAIN MY SECURITY WITHOUT EXTEND BACK TO ME CREDITS I HEREBY EXERCISE MY RIGHT TO RECIND MY " ORIGINAL '' CREDIT CARD APPLICATION WITH KEYBANK.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I just opened a new account with KeyBank XX/XX/XXXX and deposited a big chunk of money into my account mostly for my savings account. I then rarely used my card only small transactions or paying off bills. 2 weeks into me having my account on XX/XX/23 there was an unauthorized transaction from XXXX for {$100.00}, then XXXX XXXX XXXXXXXX for {$500.00}, {$5.00}, on XX/XX/23. Then another unauthorized transaction on XXXX for {$300.00} on XX/XX/23, and 3 other charges on XX/XX/23 from XXXX for {$100.00}, {$500.00}, and {$1000.00}. This dispute amount was for a total of {$2500.00}. I looked up the merchants for these transactions, XXXX XXXX XXXX are sketchy websites used to buy crypto which are scammers main targets to get away with these types of things. XXXX XXXX is a casino that is far away from where I live. Maybe XXXX miles. I filed a dispute on XX/XX/23 after checking my balance and seeing it was low, I dont check it often because I didnt use it much and I only had the account for two weeks and realized my card was missing the same time I noticed the funds missing. I went to lock my card and when I tried it said " A technical delay is preventing us from locking/unlocking your card, try again later ''. This was there fault for not locking my card and I have proof with time stamps of them not allowing me to lock my card. They took 20 days conviently when they were supposed to give me credits for the dispute to solve the case. They said recent card activity made us realize this was an authorized charge. That was the only reason they gave.
Company Response:
State: WA
Zip: 98007
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2023, I tried to access my Laurel Road mobile banking account and found it was restricted. After realizing this, I contacted the bank to find out why and unlock the account. On the phone with the bank representative, they told me there was a fraud claim on the account and transferred me to the fraud department. However, the fraud department told me this wasn't an issue on their end and they couldn't help me. So I call Laurel Road again to explain this to them and now this new rep doesn't say anything about fraud and could not give me a reason as to why my account was closed. I have direct deposits going into account and need access to it immediately, and somehow the bank can't give me any information as to why it's restricted.
Company Response:
State: FL
Zip: 32211
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I have a bank account that My mother was my payee for my ssi. My grandmother lefted me some money and it was deposited in there. They wont let me get the money out because shes on the account as my payee so I would like a refund of all the money spent because she was never supposed to spend it. And I did not give her permission to do so.
Company Response:
State: IN
Zip: 47401
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Please refer all my complaints about Keybank. My online access is not working and it has been complained in the past. But now Keybank sent me a new letter. It seems in this bank - nobody talks to anybody and nobody is aware what's going on.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: On XX/XX/XXXX I sent an e-mail to XXXX at Key Bank, XXXX XXXX XXXX, PA. " In order to comply with The Pennsylvania Department of Revenue Inheritance Tax requirements please provide a statement showing the date of death balance for account number ending in XXXX for XXXX XXXX XXXX, deceased XX/XX/XXXX. Up to that time I was POA on the account. Nothing is being requested thereafter. Attached please find PA XXXX Sch E Cash, Bank Deposits & Misc Personal Property Instructions Shortly thereafter, on XX/XX/XXXX I called Key Bank and spoke with XXXX. I explained an e-mail was sent to her requesting a statement showing the date of death balance for my father XXXX XXXX XXXX in order to comply inheritance tax requirements. Key Bank has long been aware that on XX/XX/XXXX I was appointed executor by the court. As of this date no response has been received from Key Bank.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I attempted to login to my account on XXXX XXXX XXXX and received a system error. I have been unable to get access to my account since then and an in-progress transfer to my XXXX XXXX account has not been completed. I have had multiple phone calls and email exchanges with Laurel Road. They are unable to provide any estimate of resolution/return of funds or reasons why the account is under review and frozen. Requested ID and XXXX XXXX statements have been provided.
Company Response:
State: CA
Zip: 94112
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a checking and savings bank account with Laurel road bank. It's Keybank. I have my salary direct deposit in this account. Since XXXX XX/XX/2023 I am not able to access this account. As per the message, I was told to call the bank which i did on XXXX XX/XX/2023 and was on the phone for around 45 minutes. Reasons provided : 1. One of the check was returned back. 2. There was a direct deposit from my husband into this account. I provided my clarification and they said that they will add my spouse as a joint owner for checking account and will unblock my account to access it and do any transactions. But even after 14 days - my access is not working. It's my salary account and all my savings are there. Laurel road bank is strictly an online bank so I can not go to some branch to do these transactions. This is the message I am getting Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX or TDD/TTY XXXX. Finally I got one letter from Keybank that they are closing my account and going to negatively impact my credit profile. Please see the attached letters. Not only this unfair and unreasonable bank held my money for weeks but now closing my account. I have no idea whether my employer paid me accurately or not? It's almost 4 weeks- neither I can access my account nor keybank has sent me a check ( as they are stating that they are going to close my account ).
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A