Date Received: 2023-09-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I thought i was purchasing a product from a legitimate site. This site ended up being a Phishing site and Fraudulently charged my card 3 times in the amounts of {$99.00}. The merchant statement came from XXXX XXXXXXXX XXXX XXXXXXXX through XXXX on my bank account. This happened XX/XX/2023 and i filed XXXX disputes with Key bank on XX/XX/2023. After multiple rejections and working with their executive office " XXXX XXXX and XXXX XXXX '' i was given a formal denial in XX/XX/2023. I was told to contact the merchant, which does not exist. The executive office of key case number is : XXXX the Fraud Dispute numbers are : XXXX XXXX XXXX Shortly after this happened my card was completely compromised and used out of state, which i had to request a new card.
Company Response:
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I recently had work done on my automobile at the XXXX dealership under manufacturer warranty, the dealership ended up not doing the work correctly caused damage to my vehicle and refused to give me my vehicle unless I paid them for the supposedly work that they've done. So against my will I was forced to pay them {$790.00} and after that I filed a police report for the damages to my vehicle and ended up having to get rid of the vehicle because of the damage that they caused. I contacted my bank reversed the charges and let the bank know that I was forced to pay these charges and that I wanted that money to be credited back to my account and the payment to be stopped. So on XX/XX/2023 a charge of XXXX was charged to my checking account contacted the bank and had the charge stopped in reversed on XX/XX/2023 for {$790.00}. On XX/XX/XXXX I received a letter saying that the money was permanently added to my bank account and that the case was closed, then on XX/XX/2023 I noticed in my checking account a deduction of XXXX was deducted from my account balance. A few days later I received the letter in the mail stating that we determined that the transaction was processed properly please contact the merchant directly for resolution. I want my money put back into my account because this was a fraudulent charge that I was forced to make against my will. KeyBank waited over 90 days and then without any notification to me deducted {$790.00} out of my account. There is no reason to do this after 90 days and after the fact that you said this was going to be credited to my account permanently. As far as banking regulations go this is against bank and regulation E and that Key Bank has a responsibility to follow the rules regulated by the banking commissions and as far as I am concerned and as far as the regulations go they are in violation of Regulation e period I want this money credited back to my account since they have gone and violated regulation e and deducted this money from my account after 90 days has passed they are in violation and I expect them to be reported for doing so.
Company Response:
State: NY
Zip: 134XX
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My checking account was charge {$400.00} for an alleged tax service regarding a business I have, I never authorized them to charge my account for this service. There has been issues with this registered agent service in the past not refunding my money, KeyBank has been absolutely worthless when it comes to protecting money that is deposited into their institution 's accounts. I had to pursue this merchant on my own before for {$280.00}, of which KeyBank failed to return to me those funds or help me- but then drafted a notice as if they had got the funds returned. The gall of some people! This newest {$400.00} withdrawal wasn't authorized, yet KeyBank is yet again pulling the same scheme. I have submitted proof that the transaction wasn't authorized, and KeyBank has yet to refund me or even respond. It is my belief that KeyBank needs to be investigated, because not only have they refused to dispute legitimate claims for me- but the math on their online banking appears to be indicative of them stealing large amounts of money from my account ( over {$500.00} ). The numbers don't add up.
Company Response:
State: WA
Zip: 98258
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Late in the business day/early evening on XX/XX/2023, I returned an item to XXXX XXXX at the XXXX XXXX in XXXX, Indiana. The matter posted on my account on that date. The amount of the return was {$83.00}. However, the next morning I discovered that XXXX XXXX mistakenly had charged me {$83.00} instead of crediting my account for that amount. I called XXXX XXXX as soon as it opened and an assistant, WHO REMEMBERED ME AND THE RETURN FROM THE NIGHT BEFORE, but whom was not the person that had conducted the transaction the night before, tried to fix the matter but was unable. I by that time was hundreds of miles away also. She said her manager would call me later that day. That never occurred. Regardless, I went into a Key Bank branch on XX/XX/2023, to contest the mistaken charge. The teller who helped me said absolutely nothing about me providing any further documentation. Still, my dispute of the mistaken charge was officially initiated by Key Bank and a provisional credit was credited to my account for {$160.00}, which represented both the amount of the mistaken charge and the amount I should have been credited for the return, in other words twice the amount of {$83.00}. Key Bank 's system automatically did this doubling right in front of me. Clearly, this situation involving mistaken charges that were supposed to be returns is something Key Bank deals with regularly. The provisional credit from Key Bank posted on XX/XX/2023. Over three months later, on XX/XX/2023, I noticed that Key bank had reversed the provisional credit on XX/XX/2023, also over three months after the provisional credit had posted on XX/XX/2023, and now, furthermore, my account was overdrawn. Key Bank apparently also had sent a letter to this effect dated XX/XX/2023, that I had not received yet. The substantive contents of the letter were relayed to me when I called Key Bank on XX/XX/2023, after discovering what had occurred. Among other things, the letter stated, over three months after the fact, that I was expected to provide further evidence or documentation if I wished to reinstate my challenge to the mistaken charge. It is unclear what, if any, substantive effort Key Bank put in on this matter, but my guess is that, as I was told on the day I filed the dispute that " it could take up to three months, '' that with the three month window closing on Key Bank it simply decided to throw the matter back to me without having done anything of substance to really investigate the mistaken charge-at-issue. When I contacted Key Bank on XX/XX/2023, to discuss the matter Key Bank neither reversed the reversal of my provisional credit nor was able to explain in any detail what it ever had done in this matter, also now leaving my account still overdrawn. However, it assigned my call an " Escalation '' reference of XXXX. The onus is not on me to prove this matter, especially three months after the fact, and, furthermore, Key Bank has more than enough information to have corroborated that the charge was mistaken. In fact, also, XXXX XXXX now has even had possession for over three months of the property I returned.
Company Response:
State: WA
Zip: 98052
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I became a widow and my husband did the financial transactions. This is the first time I had to handle them. I moved to XXXX state and opened up a Keybank Account. My son moved me to XXXX so I called my Keybank account to be closed as there is no Keybank in XXXX After Many months of inactivity on the account a charge was made to my checking account XX/XX/2023 of XXXX. I called the collections to find out about it. They said call Keybank and Keybank said it was a charge from XXXX. I called XXXX and they said I never made a purchase for that amount on that date. I called the collection agency back and they spoke with fraud and since it was 60 days past they would not help resolve that. I thought my account was closed because I called Keybank to collect on the awards that I accumulated. The response was your account is closed so you can not collect on those rewards. I was getting monthly statements and they said XXXX balance every time so I stopped checking the statements that came in. Then I got that collection letter. I would like that collections to be paid since account should have been closed and I did not make that charge.
Company Response:
State: GA
Zip: 30907
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My son passed away XX/XX/2023 I obtained all legal paperwork to access his account and went to his bank needing to look in safety deposit box for a will. told XXXX XXXX this presented all paperwork and was denied access and received no help whatsoever. Was told they had to process through their legal dept. and could take up to 5 days didnt want to caus a problem at that time so left. Now 15 days later and never heard anything from bank I tried calling and was put on hold for XXXX minutes til bank closed and disconnected. I called XXXX Police to verify I was within my rights and was told they could meet me there to assist so XXXX I returned to bank and was greeted by a very confrontational counter person and was told you want to call the police go ahead at witch time XXXX XXXX branch manager came out and called me to her office and was still denied access. After heated discussion she called her corporate office and was told to close account and give me access. Should never be this hard I will make sure everyone I know knows about my experience with Key Bank
Company Response:
State: CO
Zip: 80128
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: on XX/XX/XXXX I called Key Bank of XXXX CT branch spoke with manager XXXX XXXX my escrow taxes were not paid to my town.in the amount of XXXX plus late fees XXXX. I asked her to find out why those taxes were not paid since I escrow the money to do so. I have yet to hear back. I have called the corporate office to no avail what so ever. Pretty frustrated escrow accounts are suppose to make things easier for the customer and when the financial institute does not do a simple task like customer service. I have since refinanced my loan with another bank and want my escrow paid back to me.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: During the pandemic an account was opened in my name at Key Bank in XXXX XXXX.supposedly there was an unemployment check deposited into this account without my knowledge or consent. This caused a fraud alert to go out through Key Bank. I only learned of this account being opened because I recently opened an account at XXXX XXXXXXXX XXXX in XXXX, Ohio upon depositing funds into my recently opened savings account there was a freeze on the XXXX XXXX account citing a flag due to someone opening the Key Bank account. I can attest that I did not open this fraudulent account through Key Bank.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Im a customer at KeyBank with a checking account. My husband went for a cash advance at XXXX XXXX XXXX XXXX on XX/XX/2023 and accidentally used my card ending in XXXX which was approved and my husband went to the cage to get the amount which was XXXX and total amount after the fee was XXXX. He didnt know he used my card on our joint account and was denied the funds at the cashier cage at XXXX XXXX XXXX due to different names on my debit card. On XX/XX/2023 the fee was reversed and the money went back on my debit card and that transaction disappeared on my bank statement. On XX/XX/2023 i looked at my account and it was debited XXXX for XXXX XXXX XXXX XXXX for the second time. I submitted a dispute for that transaction around XX/XX/2023 and received a provisional credit while they investigated the claim. On XX/XX/2023 I received a provisional credit reversal on my account which put me in the negative and also got overdraft charges. I called them and they said the dispute was closed and that I received the money from XXXX XXXX XXXX XXXX which I did not. They opened another dispute and said I had to wait at least 45 days to see what the outcome is which I dont have 45 days to wait as I have bills to pay. I called XXXX which handles all the cash advances for XXXX XXXX XXXX XXXX and they stated the cash advance was not completed and submitted a reversal to key bank. I am submitting my email I received from XXXX stating that I never received the cash advance and also some bank statements that show the money taken out on XX/XX/2023. XXXX dispute number is XXXX. And the original KeyBank dispute number is XXXX
Company Response:
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11590
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A