Date Received: 2017-01-10
Issue: Credit reporting company's investigation
Subissue: Inadequate help over the phone
Consumer Complaint: I filled XXXX total complaints against a company claiming they are a law firm when XXXX 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 XX/XX/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 XXXX 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 XXXX months. According to XXXX 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 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 XXXX 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 XXXX XXXX XXXX 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: 2017-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-07
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Regular payments in XXXX 2016 were misapplied to principal reduction resulting in loan becoming past due. Principal reductions displayed as payments in online banking Making additional call attempts to my work phone number after requesting no further calls at work as would not give purpose of call, gave appearance of phishing attempt. No attempt made to reach me at my home phone, cell phone, mail or secure messaging to notify me of the delinquency. Called ID displays phone number not listed on website, gave appearance of phishing attempt. Excessive customer verification procedures and refusal to provide purpose of call to my place of employment without my account number or social security number Inconvenient online banking forgot id or password functions No notification account is past due or due date indicator Not provided a VRU access code Refusal to speak with a collections manager Overall difficult customer experience to resolve error by phone Account not yet corrected. Reported XXXX.
Company Response:
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2017-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-07
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: We had an auto loan with First Niagara Bank and without our knowledge, the loan was purchased by Keybank. Our payments were made electronically to First Niagra every month on time. In XXXX of this year, we got a letter in the mail from Keybank stating we were in default. I called Keybank and spoke to a customer service rep and he asked me to email him a history of our payments and proof that we made to XXXX payment to First Niagara. I did just that and we continue to get multiple calls each day. We then went to a local branch to deal with them. We met with XXXX, the manager of the local branch and gave her copies of all the documentation. She stated she would take care of it. It has been close to a month since we met with her and she is now avoiding my calls. We do n't know which way to turn.
Company Response:
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2017-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-06
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I had my car loan from First Niagara Bank since 2015 but was changed to Key Bank, since the first payment made I have had issues with Key Bank properly posting my payments. On the first payment, the remaining or extra amount that I had sent was posted to the following months payment even though I specified that I wanted it posted to the principal. Then for the following 2 months, my payments, which have all been sent in on time are showing up on their end as late. I have also received XXXX late fee charges for this. This month, once again my payment was not posted correctly because my minimum payment for the month is twice as much. I have to spend hours on the phone every month to correct what is being done wrong and every time I am told that it will be fixed yet it continues to happen.
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2017-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-04
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: Institution KeyBankStudentLoansServicedbyXXXX KeyBankPrivateStudentLoanInterestRateIllegalInterestRate IncreasesXXXXXX/XX/XXXXinterestrate3.92 % XX/XX/XXXXinterestrate 3.94 % XX/XX/XXXXinterestrate4.16 % XX/XX/XXXXinterestrate 4.29 % XXXX INTEREST RATE INCREASES WITHIN 6 MONTHS MY CREDIT REPORTS FROM THE XXXX CREDIT BUREAUS SHOW MYSELF AS PRIMARY BORROW ON MY DAUGHTER 'S NON-FEDERAL STUDENT LOAN AND NOT THE CO-SIGNER
Company Response:
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2017-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-04
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: First Niagara Bank was bought out by Key Bank. During the transition some accounts disappeared and such. For Me I was locked out of my account for over 40 days and could do nothing about it. I visited a branch and was told they would fix it, but did nothing. I have been in communication with the executive office and keep getting the run around and now several months later, issue is still yet to be resolved. I continue to have my credit damaged because of their failure to correct this error. They have waived late fees, but not any interest or doing anything to compensate for the issues arising out of the situation. The executive office refers me to the auto loan collections department who on 3 separate occasions have refused to update information that was advised by the executive office.
Company Response:
State: NY
Zip: 141XX
Submitted Via: Web
Date Sent: 2017-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-02
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I received a certified letter from Key Bank XX/XX/2016 informing me that my account would be closed. I called the number provided, XXXX, and was told that my account indeed would be closed and they chose not to tell me the reason why. For over thirty years I have used this bank through its different iterations, from XXXX Bank, through First Niagara, and most recently Key Bank without any problems. A similar event ( the threat to close the account ) occurred in the change from First Niagara to Key, however seemingly it was resolved by my branch bank which is now closed. I do n't know why Key Bank would not want my account since I have not changed my banking habits for over thirty years. The implication is that I have abrogated the rules of banking. If I have done something illegal, I should at least be told and given the chance to defend myself.
Company Response:
State: CT
Zip: 06511
Submitted Via: Web
Date Sent: 2017-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-02
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I have been battling with Keybank to close my account and other issues. I held the account for some time and when my bank card expired they did not send me a new one. Then they claimed that they must have sent it to the wrong address as I had moved recently. I tried to change my address with them multiple times over the phone. ( It took 2 months to get my bank card. ) They also repeatedly refused to send me any checks during this period whenever I asked for them over the phone. I also could not look up my account online because they closed my online account. When I asked to have the account closed they refused. Throughout the battle with them they have admitted that I do not owe them any money but they refuse to close the account. I needed money during this 2 month period and I was told to go into 1st Niagera Bank in XXXX because they were now servicing both Keybank costumers an 1st Niagera customers because Keybank now owned them both. They told me the wrong hours of operation and then someone from Keybank during another phone call admitted that 1st Niagera could n't have helped me until XX/XX/2016 anyway. I finally had to go to the nearest local branch of Keybank which was all the way in another state. I had to take a train almost all the way into XXXX ( I needed to pay for a car repair and I could n't get my car without paying first ) after taking a train I had to get an Uber to the Keybank branch wherein I had to argue with both the teller and the manager about withdrawing any money from my account. Finally they allowed me enough money to pay for the car and a few other expenses. As their customer service was terrible I asked for half of it as a bank cheque and then half in cash. The bank teller insisted that I needed to make the bank cheque out to my other banking institution which is not affiliated with Keybank. I actually had to get on the phone of XXXX customer service line and asked them to speak to the bank teller at Keybank about how to fill out a bank cheque. She reluctantly filled it out correctly. As for the cash, I believe that I was shorted {$20.00} from this same teller and when I called about it the manager who had the same Italian accent as the one I had just spoken to not 40 minutes beforehand promised to call me back about the issue and he never did. I have now withdrawn nearly every penny out of the account at Keybank and I have stopped all deposits from going there. I have maybe less than {$20.00} in the account and I just want it closed. I want the remaining money out and I want a full investigation as to where my money has been. I really do worry that some of it may have been stolen as my father used to have his account linked to mine while I was living overseas so he could transfer money to me easily. They apparently opened a fraudulent account in his name and refused to close it even after he changed banks. He was never notified of the other account which became delinquent and they said that he had been making some payments on it until recently which he says he never did. I think they may have been taking that money out of my account so that is why I want a full accounting of the money in there. Thank you.
Company Response:
State: CT
Zip: 06604
Submitted Via: Web
Date Sent: 2017-01-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-01
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I have to many bills, and they are stacking up on me, i was doing good, paying on time.I had to consolidated my bills, im willing to pay it off, if I can get student loan reduce to half of payment.
Company Response:
State: GA
Zip: 30736
Submitted Via: Web
Date Sent: 2017-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-29
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Our business has between 1-3 business checking and savings accounts ( I believe ) with Key Bank. The member who had sole access to the accounts died XX/XX/2016. XX/XX/2016, the business voted on a resolution to allow me access to the accounts. XX/XX/XXXX, I met with XXXX XXXX at the XXXX XXXX branch of Key Bank with all the documents my estate administration attorney advised. Almost two months later, there is always an excuse : unexpected training, illness, the only person who can help is in XXXX, etc. I even have XXXX of the account numbers, and need access. The business has come to a halt while I continue to wait for Key to make progress.
Company Response:
State: CO
Zip: 80222
Submitted Via: Web
Date Sent: 2016-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No