Date Received: 2017-01-19
Issue: Settlement process and costs
Subissue:
Consumer Complaint: In XXXX XXXX I applied for a mortgage with KeyBank. Prior to the application KeyBank loan officer XXXX XXXX checked my VISA status, Income, Debts and Credit score. After checking I was approved and ready to apply, according to XXXX XXXX. I applied on XXXX/XXXX/XXXX and received pre-approval letter. On XXXX/XXXX/XXXX XXXX XXXX informed I do not qualify for a mortgage because my VISA status ( non-resident ) does not comply with KeyBank 's guidelines. To my big surprise KeyBank opened on XXXX/XXXX/XXXX a mortgage loan account, loan amount {$240000.00}, under my name without informing me. In addition I never signed any kind of legal documentation and/or gave authorization to KeyBank to open this account. I met with KeyBank representatives, I emailed KeyBank VP of Mortgages XXXX XXXX XXXX, I called KeyBank executive phone number but nobody is willing to respond, give an explanation nor willing to close the account or process the paperwork that belongs to this account so I can purchase the house. Conclusion : On XXXX/XXXX/XXXX KeyBank opened, without any authorization and/or legal signature, a mortgage loan account under my name with a loan amount of {$240000.00}.
Company Response:
State: OH
Zip: 45371
Submitted Via: Web
Date Sent: 2017-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-18
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I file a complaint with CFPB earlier ( Case # XXXX ) regarding Key Bank reporting on my credit reports account that they did not have. When First Niagara was bought out, my credit products went to XXXX. On XXXX.
Company Response:
State: NY
Zip: 141XX
Submitted Via: Web
Date Sent: 2017-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-19
Issue: Dealing with my lender or servicer
Subissue: Need information about my balance/terms
Consumer Complaint: I am a co-signer on a loan with XXXX which is serviced by Great Lakes. I was contacted by XXXX as the primary borrower is 140 days past due with payments. I requested an accounting in writing from XXXX XXXX XXXX and was informed that they do not provide statements of debt. I called Great Lakes to confirm the financial information regarding the amount past due that I was given by XXXX XXXX XXXX. They told me the past due dollar amount. I requested a statement of the debt owing from Great Lakes and they told me that they could not provide this as I am not the primary borrower. In addition, the account number that XXXX XXXX XXXX and Great Lakes gave me are not the same -- it appears that the numbers are transposed, so I have no way to verify how the payment I made will be applied.
Company Response:
State: CA
Zip: 92119
Submitted Via: Web
Date Sent: 2017-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-18
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: Key Bank acquired my First Niagara credit card account in 2016. I never received a Key Bank credit card. I have not received a bill from Key by any method since the account was acquired. The only action I have received from KEY is from their collections department! I have paid them upon each of these calls since XX/XX/2016 without the benefit of any statement. I have addressed this issue with various Key Bank departments over the last few months to no avail. They are charging me XXXX late fee to boot!. I have tried numerous times to establish an on-line access but always ends up with a message that the process could not be completed " at this time ''. And I imagine they are reporting " late '' payments to credit bureau. Situation is intolerable.
Company Response:
State: NY
Zip: 149XX
Submitted Via: Web
Date Sent: 2017-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-17
Issue: Charged bank acct wrong day or amt
Subissue:
Consumer Complaint: Key bank has an auto loan I took out with a different bank they aquired. I called on Thursday to make a payment to the bank I authorized a payment of {$800.00}. The bank made a mistake and processed two payments for {$800.00} totaling {$1600.00}. When I noticed this they said they can only send me a check overnight in the mail. I will be traveling and needed this money to check into a hotel and they are basically telling me too bad. I
Company Response:
State: ME
Zip: 045XX
Submitted Via: Web
Date Sent: 2017-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-17
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: CFPB Student loan - complaint reference - Re : Your submission, [ Case number : XXXX ] re submitting to dispute I am very dissatisfied with the response received and no consideration given to my complaints and Financial situation. From the response, please can I add that I did not end up doing an internship due to serious family illness since XX/XX/XXXX to XX/XX/XXXX and subject to that, I was very much out of scope to continueand securing further training and subsequent XXXX for many years thereafter. Basically, my mother was XXXX and sadly passed away XX/XX/XXXX. Thereafter my father was ill and had a XXXX around XXXX. I was therefore unable to proceed to further training, membership exams etc, for many years having to work and care for my father, until last year XX/XX/XXXX, he sadly passed away. ( Evidence can be provided upon request ) I managed to find a job just so I could start paying the student loan fees. I also contactXXXX University around XX/XX/XXXX to request further information surrounding recognition with the XXXX XXXX XXXX in the XXXX. However, they have totally dismissed my case and have not responded to important questions, even though I called numerous times and also wrote to the Registrar, and Clinical Director, but no responseto questionsthat the XXXX XXXX have asked. I just felt very degraded the way they treated me and there was no way of following up on this as they have just completely ignored my requests, and being in the XXXX makes it harder to communicate and get answers. Even to date I have had no response. I really did not know what to do and became very frustrated, on top of being financially stressed. I was very irate and disappointed withXXXX University administration and now they have jeopardised my career as a practising physician. I have never completed any form of licensing exams due to the fact that XXXX University have been very uncooperative and unsupportive. I feel as though they has rendered me of my future career and useless degree, where I am not able to prove it 's recognition to the XXXX XXXX XXXX XXXX has not beencooperative. Having given these loans, through XXXX, I feel that they have not supported me in any way now and that some form of redress and compensation should be made for injury to feeling and financial distress caused over many years. Therefore, I am asking for this case to be reviewed by a senior Ombudsman for causing me inconvenience, Financial distress and injury to feeling. That XXXX University have not been reasonably cooperative to my requests and all in all to be compensated for blocking my career. I look forward to hearing from you.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I made an extra lump sum payment on my student loan and the loan servicer ( My Great Lakes ) applied this payment incorrectly. After several phone calls to the servicer I was told that they take the excess payment and apply it to next months payment first, and the remainder is applied to principal. This information was never provided to me, nor can I locate this information published anywhere by the servicer. They have a " how payments are applied '' section on their website which states : " However, when it comes to excess payments you have more flexibility. We automatically apply excess to : 1. Accrued interest since your last payment. 2. Principal of the loan with the highest interest rate. " On XXXX/XXXX/16, my automatic payment was drawn and applied as all automatic payments are. On XXXX/XXXX/16, I made an extra {$1000.00} lump sum payment which was specified to be 100 % applied to one specific loan token ( highest interest rate ). I expected that a small portion of this payment would be applied to 1. accrued interest since your last payment ( 4 days of interest ) and 2. the remainder would be applied to the principal of the loan with the highest interest rate. Instead, it was first applied to next months payment and the remainder applied to the principal of the loan with the highest interest rate. After speaking with customer service at Great Lakes, they agreed with me that the " how payments are applied '' section is confusing and lacks the full explanation of how payments are truly applied. This is very unfair to the consumer who is simply trying to get out from under their student loan debt. This servicer needs to clarify to the consumer how exactly payments are going to be applied and I hope that the Department of Education will assure that they fix this issue. I have had loans with XXXX ( formerly XXXX XXXX ) and XXXX and this has never been an issue. These other servicers made it very clear and easy how your payments were applied, and if you made an extra payment it was applied exactly as you expected. XXXX and XXXX get an A+ rating and My Great Lakes gets an F.
Company Response:
State: NY
Zip: 12010
Submitted Via: Web
Date Sent: 2017-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-15
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XXXX XXXX, 2016 I went to the drive through at the XXXX branch. I provided the mortgage payment stub, from the bottom of the statement, and a check for {$830.00} to the teller ( XXXX ) and after additionally providing my husbands ' social security number, she provided me with a receipt which I put into my purse without looking at. We received an " initial escrow analysis statement '', dated XXXX XXXX 2016 which showed our mortgage was going up to {$1100.00}, from {$830.00}. We then received a billing statement dated XXXX XXXX 2016 which indicated our mortgage was going up again to the amount of {$1500.00}, with no explanation as to why it was being increased a second time. Which was the impetus for our decision to pay off the loan immediately. We received a Mastercard statement, dated XXXX XXXX 2016. That is when we realized the payment was incorrectly made to the Mastercard and not to our mortgage. XXXX and I went into the XXXX branch on XXXX XXXX, 2016, and informed them of the mistake. We were told they could n't move the money without a " formal request '', which was made. They could not correct the error until that was completed. We left the bank with the belief that the monies were going to be correctly applied to the mortgage. On XXXX XXXX 2016 we went to the XXXX branch and spoke with XXXX, the bank manager. We asked for the payoff amount. She then called someone at the main KeyBank office and we were given the amount of {$33000.00}. We left the bank and drove over to XXXX, and asked to have a cashiers ' check printed for that amount, made out to KeyBank. With that check in hand we drove back to KeyBank, again sat with XXXX, and provided her with the check to pay off the loan. The three of us walked out to the teller and XXXX assisted the teller in paying off/completing the transaction. During that time, we were informed that the actual payoff amount was now {$33000.00}. XXXX then had the teller provide us with the difference, in the amount of {$27.00} On approximately XXXX/XXXX/2016 We received a notice in the mail indicating an outstanding principle balance of {$6600.00}. XXXX/XXXX/2016 XXXX and I went into the bank in XXXX and spoke with XXXX. She indicated she did not know why we had an outstanding principle balance. Later that day she called XXXX and she stated the account monies were misdirected and landed in the escrow account and only {$28000.00} had been applied to the payoff, which she indicated a new request would have to be filed in order to resolve that. XXXX/XXXX/16 I called customer service @ XXXX ET and spoke with XXXX . He pulled up the account, put me on hold and transferred me to XXXX. XXXX stated they received the {$33000.00} on XXXX/XXXX/16. It 's paid and we owe nothing. However the account is still open and has a balance of {$6600.00} on the principle. He instructed us to go to the branch where we paid off the loan. ( That would be the XXXX branch ). On XXXX/XXXX/16 I went into the XXXX branch @ XXXX and spoke with XXXX . He pulled up the account and stated he must touch base with XXXX and they would look into it and get it fixed. He states this will take a few days. XXXX will be back tomorrow, XXXX/XXXX/16. He stated something was processed incorrectly. He will dig into it and he will sit with XXXX tomorrow. He will shoot for the end of the week and provide us an update. XXXX/XXXX/16 I received a call from XXXX. He stated XXXX has everything in process. He states we wo n't pay more than what was required. It wo n't turn around in a day and he ca n't discuss any more with me because I am not on the loan. They will only convey additional information to XXXX. **We have additional information which would not copy due to size limitations. **
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2017-01-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-13
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I have an account with Key Bank and have been disputing a recurring charge with them from XXXX XXXX XXXX for months ( I initially went through XXXX XXXX XXXX but after 3 months of the charge still recurring I began disputing it with Key Bank. I know it is only XXXX but I 've been being charged this fee for I think over 2 years now and can not get it to stop. I tried calling Key again today but after promising a wait time of less than 3 minutes and being on hold for over 10 with no updated wait time expectations, I could n't wait any longer.
Company Response:
State: NY
Zip: 14127
Submitted Via: Web
Date Sent: 2017-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-10
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I filled XXXX total complaints against a company claiming they are a law firm when NON of their " attorneys '' are registered in the Colorado bar database. The company is called XXXX XXXX " XXXX XXXX ''. I submitted the first complete because they kept billing me & kept deducting from my checking account {$99.00} per month. I canceled XX/XX/2016 and I was billed for the month of XXXX at the birth of XX/XX/XXXX totally {$200.00}. after I filed a complaint with the federal trade commission, they advised me to dispute all of the charges from the company as they did not what was in their contract promised to me as well did NOT provide me any PROOF OF SERVICE and could not report TO ME ANY ACTIVITY they have done in past 7 months. When I signed up with the " credit repair '' company my XXXX score was XXXX. NOW, it has DROPPED TO XXXX!! I contacted ALL XXXX credit bureaus & they confirmed with me that NO ACTIVITY has been done and no dispute letters have been sent/received as I never did receive a letter from ANY of the XXXX bureaus in 7 months. According to one email I sent the company asking for progress or updates, I finally received a response from XXXX Law that they need a credit report in XX/XX/XXXX 3 MONTHS later!!! Shortly after I contacted the Federal Credit Repair Act, I was advised to file a dispute with MY BANK & TO REPORT FRAUD. This is where my bank comes in. Key Bank! After filing XXXX disputes my bank WOULD NOT do anything to PROTECT ME AGAINST FRAUD nor issue me a provisional credit as these charges have caused me financial hardship. I am having to fight WITH MY BANK, KEY BANK and to having to LITERALLY beg my own bank to recover the money that was charged. MOST BANKS will issues the charges reported as fraud within 24-48 hours. KEY BANK has done NOTHING to protect me as a consumer not the mention the XXXX complaints were filed XX/XX/XXXX & XX/XX/XXXX. Still my bank as done NOTHING! The laws we published under the Credit Repair Act were clearly violated and " XXXX XXXX '' still will not provide me with ANY proof of service. As of now, I only have bank statements of the charge as XXXX XXXX has not answered ANY of my complaints.
Company Response:
State: CO
Zip: 80233
Submitted Via: Web
Date Sent: 2017-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No