Date Received: 2019-09-20
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: KeyBank has charged an outrageous amount in fees over the last few weeks to my checking account, {$38.00} each time for a total of {$1100.00} since XX/XX/19, that has totally eaten up my biweekly paycheck all to their ridiculous fees and have made it impossible to catch up. These fees seem very predatory and can not believe they charge so much without fail. Most of the negative amount on my checking account is caused by the fees themself making me go past due. I have attached screenshots of my account to show the multitude of fees, which again seem so predatory and have caused an incredible amount of stress and financial burden at {$38.00} each time and another {$28.00} for being past due for a certain period of time.
Company Response:
State: CO
Zip: 80012
Submitted Via: Web
Date Sent: 2019-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I received a letter this morning XX/XX/2019 staying my checking account would be closed. After numerous attempts to call and get an explanation none was provided.
Company Response:
State: OH
Zip: 44125
Submitted Via: Web
Date Sent: 2019-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-19
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I moved from XXXX XXXX to XXXX, went to XXXX DMV to transfer my vehicle tags and registration and was informed to fill out a " Request For Title From Leinholder/Leasing Company '' which I did and was originally faxed on XX/XX/2019. A few weeks later as my temporary tags are about to expire, I realize my request still hasn't been processed and make multiple calls to Key Bank for details. I'm constantly being told the request is still in processing and end up having to pay for a second temporary tag because what was supposed to be a 3 week process, still has no end date. As the second temporary tags neared their expiration date, I began calling customer service more frequently wondering what was causing the delay. During one of these calls, I was told the hold up was XXXX DMV lost the title. It's now XX/XX/2019 and I still haven't had my request processed, I'm now on my 3rd and final temporary tag. I was told the process would have been completed no later than XX/XX/2019 via XXXX from customer service, but that date has long passed with no resolution. I was asked to fax a second request in order to have a fresh one on file, so faxed the form again on XX/XX/2019. On XX/XX/XXXX I spoke with XXXX and was informed they had everything needed to process request and I would take 20 days. XX/XX/2019 I contact Key Bank and speak with XXXX. XXXX states they sent numerous emails to XXXX DMV and they have not responded, he also suggested I call XXXX DMV and provided me with the phone number. I immediately call XXXX DMV and the woman I spoke with told me they don't hold liens on titles and if Key Bank lost the title they can send a request for a duplicate which takes 4 weeks. She also looked the vehicle up in the system and said there is no record of Key Bank ever requesting for a title. I now proceed to call Key Bank back, they refused to let me speak to XXXX, but transferred me to XXXX who tried to give me the same " in processing '' story. On XX/XX/XXXX my temporary tags will expire and I will be unable to drive a vehicle I'm currently making payment on due to the negligence of Key Bank not fulfilling a request that should have only taken 3 weeks and currently about to go into it's 6th month with no end in sight.
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2019-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: i bought a used truck and financed through keybank on XX/XX/XXXX. i refinanced through my credit union and the loan with keybank was paid off on XX/XX/XXXX. there was to be a scheduled payment on XX/XX/XXXX with keybank and i checked on XX/XX/XXXX and the loan amount was XX/XX/XXXX. it also said no payments scheduled. on XX/XX/XXXX they took {$1000.00} out of my checking account. the first time i called they said it was my credit unions fault and the money should go back in because there is nowhere for it to go. my credit union said the problem is with keybank. i called keybank again and they said they will look into it and call me next week
Company Response:
State: PA
Zip: 18052
Submitted Via: Web
Date Sent: 2019-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-13
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I made 1st payment before receiving a billing statement in the amount of {$170.00} 2nd billing statement payment due {$170.00}, {$79.00} interest, {$91.00} principal. There is a problem with this interest the rate is 6.09 %
Company Response:
State: OH
Zip: 44077
Submitted Via: Web
Date Sent: 2019-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Keybank allowed an inquiry to go through my transunion credit report that I did not authorize, nor was the consumer statement cleared. I did not authorize any products through their company nor did I authorize any applications to be submitted in my name. The inquiry date is listed below, I am a victim of identity theft. This application is fraudulent, and I want this withdrawn and removed from my consumer credit file XXXX Bureau since I did not authorize this to be submitted to begin with it is fraudulent. KEYBANK NA XX/XX/2019 2019
Company Response:
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2019-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A relative who is incapacitated signed over a government issued check to pay her bills, I took over to the bank under the instructions from bank that it would be held for 5 days. Okay, went over to bank on fifth day after seeing funds are available on line, get to bank only to be told fraud department is involved to make sure check is legitimate. The bank had 5 days to determine that fact, plus I have been repeatedly told that there wasnt any problem, now theres a problem. It just seems to me Im being treated differently, when a XXXX person cashes an exceptionally large check there seems to be red flags or fraud. Dont like playing XXXX card, just seems a different standard for people of XXXX.
Company Response:
State: CT
Zip: 06066
Submitted Via: Web
Date Sent: 2019-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-08
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2019 I made an ATM CASH DEPOSIT at XXXX XXXX at the XXXX XXXX XXXX Branch of KeyBank to cover an XXXX overdraft that occurred XX/XX/2019. They withheld that Cash Deposit which made more overdrafts amounting to the tune of {$160.00}. I contacted KeyBanks 1800 number immediately after seeing that my Cash Deposit was withheld til midnight of the XXXX as they also caused the overdrafts by doing this. They refused to reverse the overdrafts stating There computer did not recognize the CASH DEPOSIT so this held. I went into the physical location on Saturday, XX/XX/2019 spoke with Branch Manager XXXX XXXX explaining the situation and how unsatisfactory I felt about the business relationship with KeyBank and to close my account effectively before I walked out the door, she gave me the {$64.00} that was left in the account, but than stated there were 3 items for {$3.00} still pending and once those close out, the account would be considered CLOSED! I looked on line the following Thursday XXXX XXXX I went on line to ease my mind that this Checking Account was indeed CLOSED and it had not been!! A negative balance of {$19.00} was showing!! I contacted XXXX at KeyBank and asked her why this was happening she stated because of the pending transactions she couldnt close the account, I then stated why did she allow me to take out the {$64.00} because that would have covered those remaining pending transactions if they are not automatically deducted once the vendor puts ahold for funds on the account like XXXX does. She goes in to tell me, Key doesnt work that way. I told her since it was late in the day, Im XXXX and do not drive, I couldnt make it in til XX/XX/XXXX @ XXXX XXXX to pay again the {$19.00} for these charges they let through on a CLOSED ACCOUNT. Upon arriving to KeyBank via the XXXX car service, XXXX states the amount had gone up from {$19.00} to {$29.00} because three more {$3.00} transactions had gone through. I paid it and firmly told her again to Close the Account and if any straggler Vendors I may have forgotten or have contacted and still tried to use the account could contact me and I would give them my new banking information or ask why they attempted to use the account after I had communicated with them that the account was no longer valid. As the conversation closed she stated she would handle the account personally and assured me no transactions would go through and I wouldnt be charged ANY OVERDRAFT FEES if they did. As of today, I get an email from a KeyBank that I owe another {$160.00} for those three {$3.00} transactions they let go through after I requested the account closed not once but twice. This is an Atrocity of its highest order of Banking Fraud and Greed to a XXXX Senior Citizen on a fixed income and they need to be dealt with. I would like all the overdraft fees back, from the XX/XX/XXXX incident til date. Im sure I am not the only individual this has happened to. No proof just conjecture.
Company Response:
State: WA
Zip: 98115
Submitted Via: Web
Date Sent: 2019-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-04
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2019 I opened a Keybank checking account for a {$400.00} promotion. After opening the account I was to make a direct deposit of {$500.00} within 60 days in order to receive the {$400.00} sign on bonus. The qualifying direct deposit was made on XX/XX/2019. On XX/XX/XXXX I inquired through the bank 's chat portal when the bonus would be deposited and was told I would need to inquire by way of email and wait 24-72 hours for a response, which I found unacceptable for a simple question regarding an advertised promotion. Today on the phone their customer service agent informed me no bonus could be deposited for 150 days ( 60 days from account opening + a 90 day investigation to confirm I've fulfilled the terms of the promotion [ to reiterate : the terms of the promotion were to open a checking account and make a direct deposit which should be automated ] ).
Company Response:
State: PA
Zip: 15401
Submitted Via: Web
Date Sent: 2019-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-03
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a Key Express Checking account with Key Bank on XX/XX/18 with the promotion code XXXX. The offer said that I needed to make a {$500.00} Direct Deposit within 60 days of opening and I would receive a {$300.00} bonus. I met that requirement and Key Bank agrees. But Key Bank is now saying that I needed to make 5 debit card payments from the account within the first 60 days, which I didn't do, but this was not listed on the terms of the offer. I'm attaching my confirmation email that says I opened the account with the code XXXX, as well as the offer that I had printed off from Key Bank that shows the only requirement was to have a {$500.00} direct deposit and says nothing about 5 debit card payments.
Company Response:
State: UT
Zip: 84003
Submitted Via: Web
Date Sent: 2019-09-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A