Date Received: 2018-09-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/2018 Attn : XXXX XXXX To : Ohio Attorney General Office From : XXXX & XXXX XXXX Dear Ms./Mrs./Mr. XXXX : We are responding to the complaint against XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX Ohio XXXX In order to satisfy satisfaction and accord and properly resolve our issues with XXXX XXXX, we are asking that Ohio Attorney General Office please look to what Ohio 's revised codes state what affirms Merchants are in fact violating Ohio consumer Laws. 1. XXXX 's used 2 debit cards to hold funiture on XX/XX/2018. Nothing to do with cash refunds 2. XXXX 's explained to XXXX XXXX employees XXXX and Some manager on XX/XX/2018 that XXXX found cheaper furniture elsewhere which also included giving XXXX box spring and matress free along with the exact things XXXX wanted to sell XXXX but for {$1300.00} as oppose to buying XXXX XXXX XXXX for {$2000.00} ( which XXXX also excluded the box spring andd mattress ). In fact, XXXX told hills they could only include box spring and mattress for an additional {$700.00} making the total from XXXX a total of {$2700.00}. By the XXXX XXXX doing business with XXXX XXXX, not only did the XXXX get a free box spring and mattress, the XXXX also saved a total of $ XXXX- $ XXXX= {$710.00} plus XXXX XXXX initially told the XXXX that they would sell the XXXX their box spring and mattress for {$250.00} but after a moment of thought the salesman " XXXX '' out of respectability, good faith and professional discretion told the XXXX if they were willing to buy the bedroom suit he would throw in the box spring and mattress free which XXXX never offered even after the XXXX asked XXXX to please do so. 3. XXXX explained to XXXX that XXXX realized that they had to go with cheaper merchant because the XXXX XXXX financial situation was not as great to finalize furniture with XXXX. XXXX argued, begged and pleading with manager at XXXX to please refund the XXXX XXXX debit funds but XXXX manager kept stating in alike that " weve got your money and even though you came here timely enough to be refunded, we are deliberatley going to steal, scam and take your money yes even despite you have received not 1 piece of furniture from XXXX. Yes even in spite of XXXX having no store postings of refund policy in it's storefront and ORC XXXX ( 1 ), ( 5 ), ( 6 ) and ( 7 ) clearly states in summary under ( 6 ) no merchant is allowed to make a statement of opinion to the consumer 's detriment despite XXXX lacks proper professional discretion in ending it's insistence of scamming the XXXX based on evidence that the XXXX explained to XXXX the XXXX no longer wanted to continue a relationship with XXXX but found favor with XXXX XXXX. 4. The XXXX are not wards of the state or aliens nor illegal immigrants as to be treated like criminals. Ohio is part of the United States of America. America does not have values in which the federal government has allowed merchants to dictate to consumers that consumers may not end a financial relationship prior to receiving goods. XXXX never received furniture from XXXX because XXXX knew or should have known that delivery of furniture after the XXXX had already received delivery fro XXXX XXXX would be the biggest embarrassment for XXXX to risk being filmed in the process of trying to make such an absurd delivery. 5.XXXX are fed up with issue with XXXX and urges Ohio Attorney general Staff to take this time to force XXXX XXXX to do the honorable thing and refund every penny it took from the XXXX. It is a shame that even at this day and age that merchants today such as XXXX are acting as if they have a drug addiction so strong that it insists on holding onto folks money in this case the XXXX as if to ratify that " we ; ve got your money and noone is going to do anything about it. Saleman XXXX know that he told us if we found furniture elsewhere we would receive our debit funds back. Even the paperwork doesn't mentioned anything about restocking but the rude scheming manager even said we could get part of our money back but we would have to pay a {$600.00} restocking fee. then out of anger because the manager was called a sell out to his race and for the owner of XXXX he took offense and said " there's nothing to be refunded ''. But in order to not EVADE this issue 's importance, the XXXX are stating that XXXX will go down in history on the list as among merchants who are so pressed and desparate to steal from tax-payers that they would even go to the extent of trying to keep people 's money even when the buyers ( XXXX ) have purchased elsewhere. 6. The XXXX are asking a plain question. Why is it so important for XXXX to hold onto the XXXX XXXX money? XXXX still have their furniture. The fact is the XXXX did business elsewhere. Ohio Attorney General, do we live in a country in which we are obligated or forced to do business with merchants who say we must do business with them. We have our bedroom funiture from XXXX XXXX. We do not want nor need XXXX XXXX furniture or business and we choose to do our business with our money as we see fit and would appreciate if noone tries to force us to do business with anyone we dont choose to. Simply put. Why are we having to beg for something that legally belongs to us? We never agreed that anyone would have power over us to control our monetary decisions. And never will sign such an agreement. The big question is : WHY HASNT XXXX TOLD OHIO ATTORNEY GENERAL THAT THEY NEVER TOLD THE XXXX THERE WILL NOT BE REFUNDS TO THE XXXX 'S DEBIT CARDS? TRUTH : SALESMAN XXXX TOLD THE XXXX THEY COULD DECLINE PURCHASE IF XXXX FOUND BETTER DEAL. THIS IS THE XXXX STATE OF MIND AND REQUEST OHIO ATTORNEY GENERAL OFFICE TO FORCE XXXX TO REFUND XXXX MONEY ASAP DUE TO TAKING ADVANTAGE OF THE XXXX MENTAL ABILITY. XXXX FAILED TO STATE UPFRONT PRIOR TO TRANSACTION WITH XXXX THERE WILL BE NO REFUNDS ON FURNITURE OTHERWISE XXXX WOULD HAVE DECLINED PUTTING UP ANY MONEY FROM DEBIT CARDS. XXXX Rates XXXX F because XXXX has been overall a Dishonest business and consumers should receive relief. The XXXX are asking that Ohio Attorney General 's Office please get to the bottom of this senseless complaint. Respectully/ XXXX & XXXX XXXX
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2018-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I was a victim of identity theft, and there was a bank inquiry from Key Bank on XX/XX/2018. That I'm trying to get removed off my credit report and XXXX file - that caused an incorrect address on my personal file to appear from this Key Bank inquiry. I have tried calling Key Bank branch where the inquiry came from. I called the branch more than one time to try and resolve this as well as the fraud hotline. Nothing has been resolved. I have supplied documentation of what is on my credit file. On XX/XX/18 when I talked with the XXXX XXXX at Key Bank - XXXX, he says there is nothing that they can do on their end. I talked with XXXX XXXX, and XXXX ( Branch Manager ) to resolve this issue at : Key Bank XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX I want this issue resolved, want the inquiry removed off my credit report. I'm more than happy to supply copies of police reports, other documentation to support this. Thank you!
Company Response:
State: WA
Zip: 99205
Submitted Via: Web
Date Sent: 2018-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-23
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2018 I attempted to deposit {$1200.00} into my Keybank checking account via XXXX XXXX. XXXX XXXX. The money was never deposited despite the fact that XXXX XXXX claims to have received a confirmation from Keybank that the money was deposited into my account. It has been two months now and every time I call either party, I just get a runaround. Nobody has been able to find my money, it is not in my account, I have spent a collective sixty two hours on the phone between Keybank and XXXX XXXX attempting to get a resolution to no avail. I have no idea what else to do. Somebody from Keybank needs to call XXXX XXXX at XXXX XXXX at XXXX and find my money.
Company Response:
State: WA
Zip: 98110
Submitted Via: Web
Date Sent: 2018-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2018 XXXX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX - XXXX-XXXX-XXXX as contact number on report ) requested my credit report. On XX/XX/2018 XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, XXXX-XXXX-XXXX-XXXX ) requested my credit report again without any authorization or explanation.
Company Response:
State: NY
Zip: 11010
Submitted Via: Web
Date Sent: 2018-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2018 I received a letter from Key Bank regarding my recent application for a Key Bank Home Equity Loan. In the letter is references my XXXX score dated XX/XX/2018. I never spoke to anyone at Key Bank authorizing them to run a credit score or to refinance my current mortgage with them. They had called my cell phone numerous times prior to the credit pull, but I never returned their call or spoke to anyone. It is illegal for them to pull a credit report without my authorization and now my credit was dinged for an unauthorized pull.
Company Response:
State: OH
Zip: 44039
Submitted Via: Web
Date Sent: 2018-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: To whom it may concern, I am filing a complaint against KeyBank which discriminated against my nationality during a credit card application. I visited KeyBank on XX/XX/2018 at a local KeyBank branch on XXXX XXXX in XXXX NY and a banker opened a checking account for me and also submitted my credit card application. The only information shared with me about the credit card application at that time was that a credit history check will be done and the credit card will arrive in 5-7 days. On XX/XX/XXXX, I received a letter in the mail from KayBank demanding additional document : a copy of permanent resident card, and an explanation of address discrepancy. The letter also states, " If we do not receive this information by XX/XX/2018, we will regrettably be unable to give further consideration to your request and any pending title and appraisal orders will be cancelled ''. On XX/XX/XXXX, I called both KayBank customer service and the local branch, and asked what should I do if I am legally working in the US but do not have a permanent resident card and what other documents can I provide instead. The answer given to me by both the customer service and local branch banker was, " if you do not have a permanent resident card, we can not issue the credit card. '' I asked the banker why he did not bring this up during the credit card application. And he said he just assumed I had the permanent resident card. Frankly if he would have told me about this policy of theirs, I would not have applied for KeyBank credit card and I would have canceled my KeyBank checking account immediately because I prefer not to work with a bank that discriminates against my nationality. I have lived in the US legally for 11 years and have had many credit cards from major US banks, such as XXXX, XXXX, XXXX XXXX, XXXX, but never had I been discriminated because of my nationality and never had I been rejected due to not having a permanent resident card. I asked for clarification but the answer KeyBank gave me again was - it was the KeyBank policy and you would have to have a permanent resident card to be issued a credit card. While this is offensive, it is also against the law. The federal law, Equal Credit Opportunity Act, clearly prohibits discrimination in any part of most credit transactions, including applications for credit, credit evaluations, restriction in granting credit, credit terms, and etc. The ECOA law also deems it unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction because of race, color, national origin, sex, and etc. The KeyBank policy that only permanent resident card holders or US citizens can be granted KeyBank credit cards clearly violates this law. Second, they were not transparent about the conditions for credit card application and all documents required. Thirdly, the way KeyBank handled customer relation after this problem came up was simply saying to me that this is KeyBank policy there is nothing they can do. Putting these all together makes me wonder what makes KeyBank and its employees think it is okay to discriminate in such a blatant way. As a customer, I would like to speak up and hope CFPB could help make this right. Thank you!
Company Response:
State: NY
Zip: 14228
Submitted Via: Web
Date Sent: 2018-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This complaint involves the Key Bank organization.Specifically the collections department and an employee Supervisor by the name of XXXX. The circumstances are of a very cruel and vindictive nature. The origin of our calamity begins with the XXXX of our XXXX. My wife discovered our XXXX and now is no longer employed due to full blown XXXX.She applied for Social Security Disability and was awarded SSDI. It took many months and had an award date to accompany a direct deposit into our Key bank checking account. This deposit was for XX/XX/2018. On the XX/XX/XXXX my wife and I contacted Key bank to make sure everything was in order. We were assured everything was in order.On the day of the XXXX we were not able to obtain the funds from the ATM.Call to the customer service # for the Key Bank organization stated that the money was deposited. We then proceeded to speak with customer service of which we were told that our checking account had been closed in XXXX due to a XXXX overdraft fee and no activity for a certain amount of time. We then asked why was the money deposited into a closed checking account and why were we not informed on the XX/XX/2018 that the checking account was closed. Additionally we informed the customer service representative that the money came from Social Security and those funds are not applicable to collection or confiscation. We then requested to speak to the Supervisor. Her name is XXXX in the collections department. She informed us that the money would be sent back to Social Security of which should had taken place in the 1st place. All this communication took place on the XX/XX/2018. Furthermore I would like to add that neither myself or my wife are working and are in severe mourning and grief along with being severely financially strained. Well after 3 weeks we wondered where the funds were so we contacted Social Security and they stated that no money was returned. We were livid. So we then contacted the Key Bank organization.Specifically XXXX. She informed us that there was a technical issue and that was the reason for the money being witheld. To this date we still do not have our Social Security funds. Key bank did this purposefully.
Company Response:
State: FL
Zip: 33917
Submitted Via: Web
Date Sent: 2018-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-12
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a checking account with XXXX XXXX under the terms of a {$300.00} promotional bonus. I completed all the terms of the promo offer but was refused bonus payment. Keybank claimed I had an account in the prior 12 months. They are playing a game of semantics to avoid paying the bonus money. I did apply for an account, they opened it but keybank immediately closed it within days. The account was never used. I have included the correspondence I had via email with Keybank. XXXX Tue XX/XX/2018 XXXX XXXX Inbox To : XXXX ; Greetings! Thanks for reaching replying. It is important to know that our promotions do have strict guidelines that we must abide to. Please know that we are unable to make exceptions when qualifications for a promotion are not met, via email, chat or phone request. If you wish to see if an exception can be made on your account, it would be necessary to contact your local KeyBank branch for further assistance. We can also be reached by dialing XXXX. Specialists are available weekdays XXXX XXXX to midnight and weekends XXXX XXXX - XXXX XXXX, Eastern Time. Sincerely, XXXX XXXX XXXX This communication may contain privileged and/or confidential information. It is intended solely for the use of the addressee. If you are not the intended recipient, you are strictly prohibited from disclosing, copying, distributing or using any of this information. If you received this communication in error, please contact the sender immediately and destroy the material in its entirety, whether electronic or hard copy. This communication may contain nonpublic personal information about consumers subject to the restrictions of the Gramm-Leach-Bliley Act. You may not directly or indirectly reuse or re-disclose such information for any purpose other than to provide the services for which you are receiving the information. On XX/XX/2018 XXXX XXXX, XXXX XXXX wrote : That is ridiculous, my account prior was closed by keybank on me within days of opening and never even used. That can't qualify as having an account. If you are unwilling to compensate for the qualifications I met, will file a complaint with the consumer finance protection bureau and close my keybank account that I want to keep open. I would greatly appreciate this be rectified immediately without having to involve the CFPB. Sincerely XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX Sent : Tuesday, XX/XX/2018 XXXX XXXX To : XXXX Subject : Re : Existing Key Account Dear XXXX, Thank you for reaching out! I understand your concern regarding your promotional offer. I have reviewed your account and found that you have not met the requirements for the promotional gift. The qualifications for the {$300.00} are : Offer is available to clients who do not have or haven't had a KeyBank Hassle-Free account or a KeyBank checking account within the last 12 months. Make a single KeyBank direct deposit of at least {$1000.00} and a combination of five debit card and/or bill payments within 60 days after account opening to get {$300.00}. Direct deposit transactions are limited to : payroll, social security, pension and government benefits. Limit one gift per qualifying account. Limit one gift per individual. The gift will be reported on form XXXX The gift will be deposited within 90 days of meeting requirements. Account early closure fee of {$25.00} applies. Other miscellaneous charges may apply. Accounts overdrawn or closed at time of fulfillment are not eligible for the gift. There is no check writing with a KeyBank Hassle-Free account. Normal account service charges and balance requirements apply to the checking accounts. Visit key.ComXXXX for additional details. Member FDIC. I show that you did complete a single {$1000.00} direct deposit, as well as a combination of five debit card and/or bill payments within 60 days. However, because you have had a KeyBank Hassle-Free or KeyBank Checking account within the last 12 months, you did not qualify for this promotion. If you would like further assistance with your personal account, call us at XXXX. Specialists are available weekdays XXXX XXXX to midnight and weekends XXXX XXXX - XXXX XXXX, Eastern Time. Sincerely, XXXX KeyBank ____________________________________________ This communication may contain privileged and/or confidential information. It is intended solely for the use of the addressee. If you are not the intended recipient, you are strictly prohibited from disclosing, copying, distributing or using any of this information. If you received this communication in error, please contact the sender immediately and destroy the material in its entirety, whether electronic or hard copy. This communication may contain nonpublic personal information about consumers subject to the restrictions of the Gramm-Leach-Bliley Act. You may not directly or indirectly reuse or re-disclose such information for any purpose other than to provide the services for which you are receiving the information. On XX/XX/2018 XXXX XXXX, XXXX XXXX wrote : > CUSTOMER NAME : XXXX XXXX XXXX > FIRST NAME : XXXX > MI : XXXX > LAST NAME : XXXX > EMAIL ADDRESS : XXXX > PHONE : XXXX > STATE : PA > INFORMATION DESIRED : SVC > COMMENTS : I am inquiring about the status of my promotional bonus for opening my key account. I have fulfilled the requirement and is past 90 days. Thanks > > >
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2018-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-11
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Key Bank Rewards program is misleading by saying they are giving you XXXX points per XXXX spent. When you go to redeem you can only get {$1.00} for every XXXX points so in effect it is only XXXX point per {$1.00} spent. I have XXXX points with Key Bank. They say that is worth {$110.00}. Last year I had XXXX point with XXXX. They gave me {$500.00}. Key Bank is using rewards points terminology that all other credit card companies use but all other companies actually give you what they say they will. Key Bank is being misleading and dishonest with their rewards points advertising. I have spent too much time looking through Key Bank info for anything that says what the true point value is. It is not until you go to redeem that you find out.
Company Response:
State: IN
Zip: 46140
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have attempted to file a dispute. The company is a bunch of unprofessional clowns on the phone. They sent my dispute forms to the wrong address. I have been unable to reach the dispute department and left three different messages fir them to call me back which they have not. I began to tell my story to an agent from that department today, after holding for 30 minutes and she immediately hung up in my face.
Company Response:
State: CA
Zip: 960XX
Submitted Via: Web
Date Sent: 2018-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A