Date Received: 2023-09-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XX/XX/, I fell victim to two multi-layered scam operations run by XXXX XXXX and XXXX XXXXXXXX which involved me making deposits for a total amount of XXXX USD from my XXXX XXXXXXXX XXXX XXXX and XXXX XXXX account to KeyBank at the instructions of the scammers. Given that their client, owner of XXXX number XXXX, was an active participant in the movement of my money, which eventually ended up with the Company, KeyBank have not exercised their duties to identify this suspicions scheme in a timely manner.
Company Response:
State: TX
Zip: 75482
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We have our business account through KeyBank. On XX/XX/ I noticed an un-authorized charge of {$1200.00} by a vendor called " XXXX XXXX XXXX XXXX '' ( " XXXX '' ). I immediately called KeyBank, who noted the account and sent me a new credit/debit card. A Case ref # of XXXX was assigned. I then called XXXX at XXXX and spoke with the owner, XXXX, who willingly provided information to me. Apparently a customer named XXXX ( XXXX XXXX XXXX, XXXX pa, XXXX ) called XXXX to order landscaping products. " XXXX '' gave several credit cards over the phone, at which point XXXX became suspicious. XXXX confirmed that they did NOT deliver the landscape products due to suspicions. Furthermore, XXXX will not challenge the reimbursement of the {$1200.00} upon KeyBank 's investigation. I called KeyBank and provided this information immediately. I called KeyBank on XX/XX/23 to check status and was told they were working on it. I called KeyBank again on XX/XX/23 and was told there'd been no investigation or notes since my last inquiry almost a month earlier. We are a small, struggling business that does not typically have a large sum of money in our bank account. The {$1200.00} fraudulent charge caused our account to go into the " negative ''. There were two subsequent KeyBank charges of {$20.00} ( {$40.00} all together ) for having negative funds. Lastly, our XXXX rent check bounced and we will now incur charges by our landlord. Our XXXX rent check will be due by XX/XX/23, 6-days from now! Given that XXXX is not challenging the fraudulent charge, this " issue '' can be cleared-up in a simple 5 minute phone call. On XX/XX/23 I expressed my frustration and concern to KeyBank, but have still not heard back. Please help us to correct this situation immediately.
Company Response:
State: PA
Zip: 19040
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I already have laurel road - keybank checking account. When i login- they prompted/offered me savings account. I started the process of savings account- all the process was completed and then it was denied. How come I be denied a savings bank account in the same bank where i have checking account? I am US Citizen and living in this country for more than 20+ years with XXXX credit score.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Attached is an FTC statement of facts. Use the FTC statement of facts to add to my current credit dispute and my credit profile. Second official notice To XXXX XXXX XXXX and XXXX All three companies are in violation of the consumer laws I have contacted all three companies several times to correct my credit profile I was a victim of identity theft and there are several accounts that are reporting incorrectly all three credit services have Failed to remove all the ant accurate credit reporting. The only company that has removed some of the inaccurate credible reporting is XXXX and XXXX XXXX has continued thank you to report inaccurate overdue payment accounts on my credit profile. I have spoken with legal representation, and this is the second notice if there are no changes after the 2nd and 3rd notice all credit service will be in default and I will pursue a Declaratory judgment That would equal {$10000.00} for each and inaccurate credit Account on my credit profile. The following account should be deleted immediately KeyBank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX All those accounts were wrongfully charged due to identity theft. All those accounts should be removed and deleted immediately. I discovered an overdue payment that is wrongfully being reported I have spoken to XXXX and they have informed me that they are not reporting that account late that should also be deleted in media. Failure to comply Where result in Legal compliance and will be evidence an emission of guilt. For all the infractions all credit services will officially owe a default judgment of {$80000.00}. Take note of the following laws 15 U.S. Code 1681b - Permissible purposes of consumer report. LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681b Quick search by citation : Title enter title. Section section 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having authority to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants fiscal responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) executive departments and agencies in connection with the issuance of government-sponsored individually billed travel charge cards. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment. ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) one of this title; and ( ii ) The consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
Company Response:
State: OH
Zip: 44106
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing to bring a matter of significant concern to your attention regarding an unjust derogatory remark on my consumer credit report, which has caused severe financial and personal distress. This matter stems from a traumatic incident involving KeyBank. In XX/XX/2021, I became the unfortunate victim of a bank fraud while banking with KeyBank. Cybercriminals exploited vulnerabilities in my account, resulting in a substantial financial loss exceeding {$160000.00}. In an earnest attempt to recover my losses, I promptly reported the incident to various law enforcement agencies, including the local police, the FBI, the Ohio Attorney General 's office, and the Federal Trade Commission ( FTC ). Regrettably, despite my efforts and cooperation, none of the stolen funds were ever recovered, and KeyBank decided to terminate our banking relationship. Following the incident, I encountered a new set of challenges. Many financial institutions have declined to open checking or savings accounts for me, thereby severely limiting my financial options and access to essential banking services. Upon conducting a thorough investigation into the root cause of this impediment, I discovered that KeyBank had reported the incident to XXXX XXXX XXXX ( EWS ) and XXXX XXXX. XXXX and XXXX XXXX subsequently placed a " fraudulent account '' remark on my consumer report. This unjust derogatory remark incorrectly portrays me as the perpetrator of fraud, rather than the victim I am. When I diligently reached out to Early Warning Services to request the removal of this unjust mark, I was redirected to KeyBank, as they were the source of this erroneous report. Last week, I made earnest efforts to resolve this matter with KeyBank directly. However, my attempts were met with refusal, and they were unable to locate any records of my bank accounts in their system. It is important to emphasize that I have maintained an impeccable financial record throughout my life, reflected in my credit score of over XXXX. I have never been involved in any fraudulent activity. As a victim of financial fraud, I have not only endured significant financial loss but also face the unjust consequences of being unable to open new bank accounts, which adversely affects my daily life and financial stability. Given the gravity of this situation, I am seeking your assistance in facilitating the resolution of this matter with KeyBank and the removal of the derogatory remark from my consumer reports at both XXXX XXXX XXXX and XXXX XXXX. I kindly implore the Consumer Financial Protection Bureau to investigate this case thoroughly, as it has far-reaching implications on my financial future and personal well-being. Your intervention is crucial in ensuring that justice is served, and my reputation as a responsible and honest consumer is restored. Please find enclosed relevant documents and records to support my complaint and substantiate the accuracy of my claims. Should you require any further information or clarification, please do not hesitate to contact me. I earnestly look forward to your prompt attention to this matter and the resolution that will help me regain my financial footing and personal integrity. Thank you for your dedication to safeguarding consumers ' rights and promoting fairness within the financial system.
Company Response:
State: OH
Zip: 44067
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In XXXX of XXXX, I was traveling and lost my wallet- including my KeyBank debit card, ID with all of my personal information on it, and other key documents with information like home/billing/mailing address, email, etc. Shortly after, I noticed fraudulent transactions. I disputed these transactions with KeyBank as soon as I noticed them, and specified in no uncertain terms that they should only contact me via EMAIL OR PHONE, or mail any letters to the local branch, because KeyBank has a history of lying about sending me letters regarding my account/claims, and I wanted to be sure this didn't happen again. The representative agreed that my request for email/phone communication was noted and would be fully honored. ( This is important later, because KeyBank has failed to EVER honor this, including regarding this dispute. ) The charges I disputed are as follows : XX/XX/XXXX - XXXX XXXX | XXXX Fl XXXX - {$38.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX Fl XXXX - {$310.00} These charges were not made by me, were not made with my consent or knowledge, and are fraudulent, unauthorized purchases on my account that I should not be held responsible for. I informed KeyBank of this as soon as I became aware of these charges. On XX/XX/XXXX I was issued provisional credits for these charges. This has been the only action I've seen from KeyBank, and I have never once been contacted regarding these disputes, the dispute process, or any dispute findings/closure/reversal of credit. However, much to my dismay and surprise, on XX/XX/XXXX, KeyBank reversed the provisional credits- without any contact whatsoever, nor any justification or information. KeyBank also mishandled by outgoing withdrawal of a rent payment as a result of this, and has now put me at risk of losing my home. On XX/XX/XXXX, I inititated my rent payment using my KeyBank account. The money withdrew from my account, and I received an email notifying me of this transaction. On XX/XX/XXXX they incorrectly closed my claim and reversed the provisional credit, leaving my account overdrafted. They then chose to RETURN MY XX/XX/XXXX PAYMENT for " Insufficient Funds '' and place A HOLD ON MY ACCOUNT until XX/XX/XXXX for {$1900.00} - the amount of my rent payment, that occurred BEFORE they EVER reversed the provisional credit. This is a blatant mishandling of my account, MY MONEY, and has put me in jeopardy with my landlord and at risk of LOSING MY HOME. I put the rent transaction in XXXX. DAYS LATER they reversed the provisional credit, this should NOT impact MY RENT PAYMENT.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My account has fraudulent activity. I called immediately to have my account froze and money was still distributed out of my account to an external account at another bank, my personal checking personal savings business savings was all transferred into my business, checking and then transferred out of the bank. I have received partial money that was missing as of XX/XX/XXXX when it was taken out as of today, XX/XX/XXXX I have detectives now on the case to find out where the fraud began, and whats happening since nobody at the banks are talking to me in the fraud department. I was told that a business account was created at the other bank fraudulently, and thats where my money was transferred to as up-to-date I still have monies due to me.
Company Response:
State: WA
Zip: 98311
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have unauthorized credit inquires on my credit reports for XXXX and XXXX. I called both bureaus as and creditors and they said to file report with FTC and the FTC directed me to CFPB. consumer protection 15 USC 1682 ( b ). Please remove immediately! These are fraudulent XXXX inquiries XXXX XXXX XX/XX/2023 Key Bank N.A. XX/XX/2023 XactusXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Company Response:
State: FL
Zip: 34234
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: I was approved for Covid19 Benefit, but I never received it nor the Debit Bank Card. I have spoken with the ESD Department and they informed me that all the Covid19 benefit was sent to the Key Bank ( for over XXXXXXXX XXXX ). Them, I was really calling both Departments about my benefit. But. The Bank and the ESD was only pushed me around from Department to Department. From ESD to The XXXX Bank and each time I called I was given different misleading information regarding my benefit. After a year with both Departments I went to court in Washington State Office of Administrative Hearing and the Court granted all in my favor on XX/XX/XXXX XXXX XXXX., Docket XXXX XXXX XXXX XXXX Agency No XXXX XXXXThen ESD informed me that all the benefit was sent to key Bank. Calling key Back again they said that the account is closed and to call ESD Department, Finally the key Bank asked me to fax them all the court Documents which I did ( to Fax XXXX XXXX XXXX XXXX ) and I got confirmation number ( XXXX XXXX XXXX ) from the bank that all is updated and a new card with be send in XXXX days. I have never received the Debit Bank Card yet. Calling the key back again they informed me that the account id closed and they do not have any information regarding this case I have been mislead by the Key Bank and lied too on every time I call them, Then The XXXX Bank told me today to call the ESD department again. I have been pushed around to much already and the key bank is not acknowledging that fact the=at I a sent them the Court Documents. Therefore I an appealing to your Department with the Key Bank Befit Card account and my due benefit to be paid to me in full as soon as possible. Thank you XXXX XXXX New Phone : XXXX XXXX XXXX Email : XXXX XXXX
Company Response:
State: WA
Zip: 98225
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am shocked and outraged that I was advised that despite doing nothing wrong, the banks will not reimburse my Key Bank account for a check that was washed and cashed by XXXX XXXX. It has been over 18 months that I have been dealing with this issue. I am in great need of help from the CFPB. Back in XXXX, XXXX, I did everything that was required. Upon discovering the fraud, I immediately reported the fraud to the bank. I immediately went to the bank and filed the needed paper work. I immediately went to the police station and filed a report. There was nothing more that I could do. The banks make the error in cashing a fraudulent check. My initial complaint, XXXX contains the details. Shockingly, after several extension to respond to this complain by XXXX XXXX, I received a call saying that their records did not even show a demand from Key Bank. I do not believe this was true, based on may calls to Key Bank, and advised the representative that this was incorrect. I knew that once the call ended there was nothing that could be done. Then, moments later, I received their email, basically saying that they were not going to refund the funds that were lost due to bank errors, not any error on my part. No mention of the lack of a demand from Key Bank as I had just been advised in the call from XXXX XXXX. From speaking with others, I know banks will cover these lost funds. I do not know why the lenders are discriminating against me and not reimbursing my account. I also wish to note that when I called the Key Bank fraud line, after speaking to the representative, I requested to have a supervisor call me back. I called again and noted that I had requested to speak to a supervisor the last time I called. I was rudely told that I could not speak to a supervisor and that a supervisor would only call me if they deemed it appropriate. I offered to hold on the line as long as needed to speak to a supervisor and was told that she would not allow that and would hang up. I would greatly appreciate your help in having Key Bank and XXXX XXXX take the steps required to refund the funds to my account.
Company Response:
State: NY
Zip: 10566
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A