Date Received: 2019-08-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have an autoloan that is open and in good standing now reporting closed. At first it was just 1 credit bureau, now its reporting this way to all credit bureaus. I called the credit bureaus and submitted disputes, but it is my loan company reporting incorrectly. I've called 3 times over a month and the bank tells me my account is open, in good standing, and not even late. There was also a comment about on my account about returning to active military, but I'm not even in the military! Noone at the bank can give me a reason as to how or why this is reporting this way, therefore they haven't fixed it. Im looking into getting a mortgage and this is a huge setback!
Company Response:
State: PA
Zip: 19468
Submitted Via: Web
Date Sent: 2019-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-04
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I received an offer in the mail to open a Key Bank checking account and make ONE single deposit of {$500.00} or more. I used the offer code XXXX and reservation numbner XXXX. They also provided a special link, which was : XXXX. I used this link instead of their regular website. I opened the Key Bank checking account on on XX/XX/19. We made a deposit of {$500.00} on XX/XX/19. We have also made more {$500.00} direct deposits. The terms were : You must open a Key Express Checking Account ( this is the basic banking account in NY ) Key Advantage Checking Account, Key Privilege, or Key Privilege Checking Account by the expiration date and make ONE single KeyBank deposit of {$500.00} or more within 60 days after account opening to get {$400.00}. The value of your gift will be reported on Form 1099 and deposited into your account within 90 days of meeting the requirement. We follow all the terms, but we did not receive our {$400.00}. We had to jump through hoops after the account was opened, such as : going to the bank with to prove our identity with IDs, we are not on the OFAC list see treasury.gov ( we waited at the bank over 1.5 to just shave them review our id ), we got a letter in the mail that said if we don't sign this signature card in 15 business days we will close your account. In addition, after all of this I waited for the money to be deposited in the account. This never happened. I sent an email to Key Bank, and I was advised to call the call center, because they said I did not put the offer code and reservation number in. I disputed this through email, and I was advised again to call the call center, I spoke to a rep there and they said I do not know why they told you to call us. There was nothing she could do. I asked to speak to a supervisor, and explained the situation. I advised I did put the code and reservation number in. She asked me for the codes, and she confirmed they were legit. She confirmed I followed the terms, but there was a disagreement on whether I put the codes in, I asked her if there could be a situation where systems don't work properly, and it is possible when I put the codes in the system the system did not take them. She said yes, yet she advised, I could not get the offer. I asked has anyone got the offer after the fact? She said she could not confirm or deny. I asked why not? She said the is specific information about someones account. I disagreed at this was more general. I asked is there any one else I could speak to help me get the offer. The supervisor said, no and something to effect this is high as this is going to go. I do not know if other customers have experience this, but this should be looked into. I opened this account as a trail run to see if I would bring my business over, but I am really disappointed in Key Bank. I would really like them to credit my account with the {$400.00}.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: This past month I noticed that my credit score had decreased significantly via XXXX XXXX ( it was XXXX in XXXX and is now XXXX. I looked into this further today via my credit report and saw that I had a private loan from XXXX XXXX that was past due. I called XXXX XXXX and learned that my loan went from from XXXX XXXX ( servicer ; XXXX ) to Key Bank ( lender ; XXXX ) to collections. The initial person I spoke with from XXXX XXXX said it was over 120 past due ( started in XX/XX/2019 ). He said I could call Key Bank and it would either be handled as a rehabilitated loan or as a default ( paid off so that it no longer affects my credit ). Then I called Key Bank and they said I could pay the full balance ( {$21000.00} ) or {$14000.00} as a settlement, or that I could make monthly payments until I could pay off the balance. I told the represenatative I did not have the money to do this and inquired about other options and he said there was nothing they could do. I then called back to inquire about the forebearance/deferment status of my loan considering I had just XXXX as a XXXX XXXX XXXX XXXX in XX/XX/2019. The woman told me to call back XXXX XXXX to ask these questions. I called XXXX XXXX and spoke with XXXX who looked into this to tell me that the XXXX XXXX was not updated by my school ( XXXX University ) about my student status ( forebearance/deferrment as I was a XXXX XXXX XXXX until end of XX/XX/2019 ) until XXXX ( a month after graduation ). XXXX XXXX is going to contact Keybank to see if the loan can be reinstated and backdated ( loan and credit ). They told me to check back in 1 to 2 weeks. I feel this is unfair as I didnt receive any letters or call notifications ( my parents contact address and phone was in their records ). In addition, my school didnt update the XXXX XXXX regarding my status and in XXXX ( when the loan was expected to start receiving payments from me ) I was defending my XXXX dissertation.
Company Response:
State: IL
Zip: 60641
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-25
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I deposit a check into my checking account on XX/XX/2019 on XX/XX/XXXX i went inside Key Bank they explain to that the check was not signed right and that they were going to take care of this and that the check was cleared and the funds will be available on XX/XX/2019 well the XXXX came and there was still an issue with the check they frozen my account so i went to the bank with the same issue ask the manager to close my account she told me that she did and took my debit card i check my moblie account the account is still open she never honor my wishes
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2019-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-24
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I have an approved funding from XXXX XXXX which is to be funded by Key Bank - New York Branch. Over a period of several months, I have made several fee payments to a number of various individuals as called for by XXXX XXXX, Key bank Manager, a Mr. XXXX, Bank General Manager and XXXX XXXX ( XXXX XXXX Loan manager ). I was required to make several payments to various people, and which over the course added up to over {$25000.00}. For the last several fee payments ( at least 5 ) I was told by bank manager XXXX XXXX and Bank General Manager that each of these payment would be THE LAST FEE PAYMENT and would result in the funding of my account as approved by XXXX XXXX for {$95000.00}. There has never been a deposit to my account and there is always another fee to be paid. Some of the fees ( PPI insurance ) has been paid at least two times and this manager is calling for yet another payment. The payments and fees never end and has never been the last payment. Currently, there is another fee being called for for insurance before funding my account. History of this operation has shown that as long as I make a payment, there will always be one more last payment.
Company Response:
State: CA
Zip: 936XX
Submitted Via: Web
Date Sent: 2019-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-23
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: The lender Key Bank is harassing me with phones calls on a number I never provided them as well as my XXXX father. They are calling from XXXX est time until XXXX cst. My fathers voicemail box is filled with calls from them within the first few hours Monday through Friday. Hes answered and asked them repeatedly to stop calling as well as faxed over a letter stating do not call his number and only communicate via mail regarding the student loan. They obtained my cell phone number from god knows where. They started the non stop calling back in XXXX where I spoke to a representative who advised me to fax over a letter stating not to call my number again and it would cease. They have again started calling my cell phone number over 10 times a day which have caused me to get in trouble at work and my hours have been reduced to less than part-time ( XXXX XXXX ) due to cell phone continually vibrating in my desk. Im allowed my phone for emergency purposes only for my daughter and they have made it impossible. Ive spoken to numerous of representatives and advised to stop calling my numbers even advised the do not call letters that were faxed over to them. They place me on hold each time for 30mins to come back and say well we are calling ... and I then cut them off and say did you find that document where you arent suppose to be calling, but sending it in writing. They then hang up only for the calls to continue by someone else, hours later. They are causing great stress to myself and my father and due to them harassing me has cut down my funds to pay my bills. We want the calls to stop and them to follow the consumer laws as well as the FDCPA. These harassing non-stop calls will lead to me seeking more than just a complaint if it causes me any more financial harm or stress. ( Ive received 3 calls while just typing this message from them ). I am able to provide any proof that needs, whether its the letters sent in ( XXXX, XXXX, XXXX ), call records, voicemails left, and documents sent from them which shows they received my do not call letters.
Company Response:
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2019-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Problem with KeyBank, On Friday XX/XX/19 around XXXX, I attempted to make a cash deposit of {$140.00} ( 2- {$50.00}. bills and 2- {$20.00} bills ) at the KeyBank ATM , located in the XXXX XXXX parking lot on XXXX XXXX. and XXXX XXXX, XXXX New York. The ATM took my card and my money. Then it displayed a message " verifying your transaction '', then " self test. '' then " out of service. '' After some time my card was returned but not my cash. I called the 800 number posted on the ATM for help the representative took the information and filed a dispute claim. I also spoke to the Bank manager inside the store. He said that I would need to wait until the machine is serviced and if there is an overage I would be issued a credit for the funds. He was not sure when the machine would be serviced or when I would receive the funds. He advised that if I had used the ATM in the store they might have been able to do more. He stated it could take up to 10 days. He took my number and promised to call me before the end of the day. I did not hear from him.
Company Response:
State: NY
Zip: 14221
Submitted Via: Web
Date Sent: 2019-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-20
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I was charged overdraft fees from Key Bank and I opted out of their overdraft protection and was told the transaction would be declined as I wanted it. I was hit with XXXX fees XXXX overdraft fees of {$XXXX} each and a {$XXXX} fee for not settling the account in XXXX days. I contacted them ans they waived XXXX of the XXXX fees and said sorry we cant waive anymore. Its misleading when I opted out of thier consent for overdraft and yet still get hit with a fee.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Back around XX/XX/2019 I called in and spoke with a KeyBank, the primary subsidiary of KeyCorp 's agent about my bill due to KeyBank sending me several letters about incorrect posting of fees and charges on my account that they'd supposedly corrected. However, during this call of over 1 hour with the agent we both realized in calculating all my purchases, accessed interest, and payments the amount was not equaling to what the agent calculated or myself. The balance remaining was {$100.00} 's over what the balance should have been. So the gentleman gave me the Executive Department 's contact. When I contacted this department I provided them number for number exactly what the original agent and myself had came up with and how based upon the payments, interests, and purchases made. I was assigned an executive agent XXXX XXXX whom at this point XX/XX/2019 has failed to meet 2 or 3 of our scheduled appointments to discuss their findings and who has demonstrated a constant disregard of this matter and ethics in following up and following through to address this issue. I have continued to pay on the card in fear of them messing up my credit again and needing to wait months and moths later for corrections. I have called over the last 4 or 5 months leaving her detailed messages, complaining to the executive department for reassignment to a more responsible agent, and even filing with them a formal complaint on XXXX XXXX. I spoke to her in between those 4-5 months explaining that we needed to schedule some time to talk about the specifics but that I would need to have my notes handy. But, she's intentionally missed our appointment and call me after hours that I've told her I am not available. Her work ethics need to be seriously looked into and she needs to be held accountable. Because even if their agent and myself got the figures inaccurate XXXX XXXX should be able to explain their findings in a reasonable time. It took her about 2 months to even resolve their findings and I've been waiting since then to discuss the specifics. Granted I did need to reschedule our initial appointment, but every time thereafter I have been available and she's not called or left any messages during our schedule appointments.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Key Bank accounts # XXXX and # XXXX are reporting a debt I do not owe. These accounts are past the statute of limitations. These should no longer be on credit.
Company Response:
State: UT
Zip: 840XX
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A