Date Received: 2017-03-28
Issue: Billing disputes
Subissue:
Consumer Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2014, 60 days XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response:
State: NJ
Zip: 07740
Submitted Via: Web
Date Sent: 2017-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-26
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: On Thursday, XX/XX/2017, probably after XXXX picked up his personal property at the XXXX Police Department, I found a document identifying Key Bank ( attached as a PDF ) on my front door that does not identify its purpose ( e.g. if it were supposed to be a notice ) but does provide an XXXX number. I saw tire tracks in the slush on the road where the driveway intersects the road indicating someone drove in the driveway from the direction of the police department or backed into the street to head south, toward XXXX residence in XXXX, New York. CFPB Complaint XXXX specifically forbade XXXX or other Key Bank representative from entering the grounds of the property ( let alone breaking and entering into the house itself ), without expressed, written consent from me. Yet eleven days later, Key Bank violated the direction of this notice. We had a major blizzard in New York on XX/XX/2017, Winter Storm " XXXX. '' XXXX pulled into a driveway that had been plowed within two days since the snowstorm on XX/XX/2017 and which had been shoveled to bare driveway in the portion plowed and on some other parts of the driveway, including a path to the stairs that lead to the front door. Yet, Key Bank and XXXX consider the property " vacant and abandoned, '' as defined by NYS Statute RPAP 1309 : 2. ( a ) As used in this section, " vacant and abandoned residential property '' means residential real property, as defined in XXXX, with respect to which the plaintiff has proven, by preponderance of the evidence, that it has conducted at least three consecutive inspections of such property, with each inspection conducted twenty-five to thirty-five days apart and at different times of the day, and at each inspection ( i ) no occupant was present and there was no evidence of occupancy on the property to indicate that any persons are residing there ; and ( ii ) the residential real property was not being maintained in a manner consistent with the standards set forth in New York property maintenance code chapter 3 sections 301, 302 ( excluding 302.2, 302.6, 302.8 ), 304.1, 304.3, 304.7, 304.10, 304.12, 304.13, 304.15, 304.16, 307.1 and 308.1. ( b ) Residential real property will also be deemed vacant and abandoned if : ( i ) A court or other appropriate state or local governmental entity has formally determined, following due notice to the borrower at the property address and any other known addresses, that such residential real property is vacant and abandoned ; or ( ii ) Each borrower and owner has separately issued a sworn written statement, expressing his or her intent to vacate and abandon the property and an inspection of the property shows no evidence of occupancy to indicate that any persons are residing there. ( c ) Evidence of lack of occupancy shall include but not be limited to the following conditions : ( i ) overgrown or dead vegetation ; ( ii ) accumulation of newspapers, circulars, flyer or mail ; ( iii ) past due utility notices, disconnected utilities, or utilities not in use ; ( iv ) accumulation of trash, refuse or other debris ; ( v ) absence of window coverings such as curtains, blinds, or shutters ; ( vi ) one or more boarded, missing or broken windows ; ( vii ) the property is open to casual entry or trespass ; or ( viii ) the property has a building or structure that is or appears structurally unsound or has any other condition that presents a potential hazard or danger to the safety of persons. ( d ) Residential real property will not be deemed vacant and abandoned if, on the property : ... ( v ) There is a building occupied by the mortgagor, a relative of the mortgagor or a tenant lawfully in possession. Much of this is false with respect to the house, except for Section ( d ), Subsection ( v ), which is true.
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2017-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-24
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: Back in XXXX, XXXX, I had a judgement filed against me where the bank put a levy on some funds in my account ( {$920.00} ). A couple of days ago, XXXX, a XXXX XXXX served Key bank with papers to have those funds transferred over to them. Instead of Key bank transferring the held funds, they took out money directly from my bank account ( {$960.00} ). Key bank has confirmed the first held funds are still sitting there waiting to be transferred and I have confirmed with the creditor that they sent the paperwork to the bank to have the held funds transferred over and nothing more. On top of that, Key bank with drew funds from protected funds ( I collect unemployment ) and also took it from an account that had less than the NY State protected amount per the XXXX law of {$2700.00}.
Company Response:
State: NY
Zip: 12804
Submitted Via: Web
Date Sent: 2017-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-24
Issue: Can't repay my loan
Subissue: Can't get flexible payment options
Consumer Complaint: I have received various requests for re-payment on a identified loan wit h Keybank National Association. Unfortunately, the primary borrower h as not been responsive to neither XXXX XXXX recovery program, Keybank 's collection efforts nor my communications to assume full responsibility in satisfying the loan obligation. As the cosigner of this loan, I 've been left with little to no recourse in trying to remedy the situation with all parties involved. There were past attempts to try and see if, as a cosigner, I could completely shift the responsibility to the primary borrower. However, I was informed that the loan documents did not have the necessary loan provisions in order to transfer or allow for a cosigner forgiveness. The situation at hand was originated out of a goodwill to provide hope so that a disadvantaged youth could benefit from the opportunity of going to college, receive an education and ultimately better themselves. As I experience the unfavorable results, I do n't take back my act of kindness, but wish I was in better circumstances to make good on the obligation, regardless of the youth 's success. Today, the fact of the matter is that I now too find myself in an economic hardship. As a result of unemployment and new initiatives for self-employment, I can not continue to make good on the aforementioned loan. I have inquired into the possibility of some alternative programs for deferment and/or forbearance. After much effort, I have gained little ground in reaching a solution that is fair. It seems that the primary borrow continue to have all the rights to negotiate and do what they see is convenient for them, while I 'm stuck with the obligation of payment with no recourse. In hindsight the loan product seems predatory in design. I have humbly asked if not complete forgiveness, then the possibility of a 50 % settlement on the outstanding balance of the loan, which was denied. After this ongoing scenario, my credit severely affected by it and it creating a hardship, while I 'm obligated to make monthly payments for the past year, I have been notified by the Loan Administrator - XXXX , that a XXXX interest tax form can not be released to be because of IRS Legal rules. In short, I 'm responsible for paying, but ca n't claim interested on my taxes. I 've have never felt so vulnerable, hopeless and a victim of predatory lending.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2017-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-24
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I recently ( XXXX ) changed my payment due date at Key Bank. This month the payment was due XXXX/XXXX/17, my bank XXXX XXXX XXXX sent a check that was delivered on XXXX which was a Friday, Key Bank then took Friday, Monday and to " process '' the payment. They then charged me a late fee on XXXX/XXXX/17. I do n't think it 's fair that they can take their time " processing '' a payment and then charge a late fee. It should be counted as the day they receive the payment. They could theoretically hold everyone 's payment for " processing '' as long as they like and then charge everyone a late fee.
Company Response:
State: NJ
Zip: 08330
Submitted Via: Web
Date Sent: 2017-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-17
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: Rec 'd letter back from XXXX from a person named XXXX. She states that the education loans have a cap of 25 %. Math is black and white. The loans I have have a 48 % interest rate. It is now my understanding the they can compound interest until they get to 25 % and then they have to stop. This surely would be in the best interest of the young adults with school loans, car loans, mortgage payments and babies mouths to feed. It surely would be in the best interest of our country to have educated people and who were n't afraid of loans like they are of bad marriages. If you can do Math, you can figure out, not like XXXX, from XXXX, that the loan I am a co-signer on is 48 % interest. Here are the figures : Original Loan Amt : XXXX. Total Amt Paid : XXXX. Remaining Balance : XXXX. And if the cap is 25 %, then all I owe is XXXX, and that is all I am going to pay, not XXXX!!! And for all the school loans, several people need to be hired to re-calculate this criminal usery and injustice to this generation who are raising families. My desired solution is to have my loan recalculated to 25 % interest rate, and everyone else 's school loans re-calculated to 25 % interest rate. By the way, most interest rates can not exceed 22 %. Thank you for doing something about this atrocity. This is an abomination to our next generation.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2017-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-16
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I had a bank account with First Niagara in XXXX, PA. I noticed around XX/XX/XXXX that a check cleared in XX/XX/XXXX for {$900.00} to my landlord. However, my rent was {$600.00}, and I had a rent receipt for a {$600.00} cash payment for XX/XX/XXXX to my landlord. I also had several fraudulent electronic charges. I was XXXX in XXXX, and had to get a XXXX in XX/XX/XXXX and do XXXX, so I was not in the condition to moniter my bank account. I spoke with the manager at the XXXX, Pa branch on XXXX XXXX, and submitted an affidavit and filed a police report for the {$900.00} check. However, the bank refused to refund it under fraud, stating that I was negligent for allowing a fraudulent check to be written and cashed. The copy of the check for {$900.00} was very obviously not in my handwriting, and the largest check that was ever written on my account was under {$150.00}. I was told I had fraud protection on the account, and would be notified if there was suspicious activity. A check that was excessively high compared to my entire account, written to someone that I never used a check for, should have flagged. My bank agreement says I have one year to report a potentially fraudulent check, and since I met that. I reported it as soon as I saw the issue. I debated with First Niagara about this issue for over one year, and ended up closing my account. I believe the check should be refunded. My agreement for my account included fraud protection, and a check that large met the criteria to be flagged according to my agreement.
Company Response:
State: PA
Zip: 163XX
Submitted Via: Web
Date Sent: 2017-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-14
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: In XX/XX/2016 suddenly I was assessed {$7400.00} in late charges by KeyBank XXXX XXXX XXXX. After several exchanges with KeyBank officials, I have not yet received a resolution. Attached are my statements which shows that prior to XX/XX/2016, there were no late fees.
Company Response:
State: TN
Zip: 379XX
Submitted Via: Web
Date Sent: 2017-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-14
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: 1. Checking account was opened in XX/XX/XXXX for a student with parent on the account. 2. XXXX protection was added to cover overdrafts. We do remember that money was transferred from this checking account to a place called XXXX. 3. In XX/XX/XXXX we inquired about this " XXXX '' account that we saw on online banking that totaled about XXXX. Key Bank at the XXXX, WA branch stated " it 's your money '' and we withdrew that amount. This " reserve '' account was not closed. 4. In XX/XX/XXXX a 'XXXX ' account was activated. However my credit report indicates this was opened XX/XX/XXXX. Key can not provide documentation stating they have records dating back 7 years only. 5. We were unaware of any change from whatever was overdraft protection prior to XX/XX/XXXX since the process appeared the same, i.e. money was transferred from checking to an account for overdraft protection. Key Bank can not provide documentation of this and denies there ever was a cash reserve account. Key states that this account was approved by either myself or other account holder over the phone.
Company Response:
State: WA
Zip: 98272
Submitted Via: Web
Date Sent: 2017-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-13
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: We applied for a HELOC through Key Bank in XXXX, because they were offering a 2.75 % rate on the first and told us we could get 4.5 % on the second loan. We were promised repeatedly over the 3 month application pending period, that we were getting these rates. While signing the document for the first, we were told that they " do n't put the rates on the documents '' so they could n't show us the rate we were signing for, and we would have to call customer service to verify that we were getting the promised introductory rate. During the second signing, I noticed on the document that it said " 5.91 % '' rather than 4.5 %, and asked about it. They said that was the rate plus prime, and if we have a problem with it, we should n't sign the documents. Of course we were already there, and felt pressured because we had already spent over 3 months trying to get these loans, and were waiting for the loan to start designing a remodel. Only after signing the documents did I call customer service and they told me we signed a loan at 3.99 % for the first and 5.91 % for the second. Quite a bit higher than we were told, repeatedly. The entire process was very sketchy. We even have emails with them telling me I would get the 2.75 % rate.
Company Response:
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2017-03-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No