Date Received: 2016-10-18
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I completed a loan application with XXXX ( now Key Bank ), was given what I thought was a pre-approval letter but in reality was a pre-qualification letter to purchase a home. I paid for the home inspection, appraisal and up until mortgage committment day, everything was going well. On the day of mortgage committment I was notified that I did not qualify for the loan product they pre-qualified me for and was denied the mortgage based on me making too much money.
Company Response:
State: MA
Zip: 02780
Submitted Via: Web
Date Sent: 2016-10-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-14
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: I have about {$5000.00} in fraudulent charges from a XXXX. These charges are unauthorized. I have contacted Key Bank via postal mail but have n't received a response. I am XXXX so I can not call their fraud number that they 've given me and they wo n't allow you to initiate a dispute via email. So I mailed them a dispute letter about these fraudulent transactions. There are also about {$150.00} in foreign transaction fees. After doing some research, you should be aware that XXXX is n't even allowed to do business in the United States or with any U.S. citizens for that matter. They are an unregistered, unregulated brokerage firm of some sort and do not comply with U.S. laws. In other words, they are illegal and should never have been able to charge my debit card in the first place. I am attaching a document from XXXX that the SEC published that backs up the fact that XXXX is illegal.
Company Response:
State: OH
Zip: 43228
Submitted Via: Web
Date Sent: 2016-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-12
Issue: Customer service / Customer relations
Subissue:
Consumer Complaint: I have a XXXX credit card, formerly with XXXX XXXX XXXX which switched to Key Bank. On the switch, I was unable to log on to the Key Bank web site. There was suppose to be a smooth transition. On, Tuesday XXXX XXXX 2016, I was placed on telephone hold for one half hour until I gave up. Today, XXXX XXXX 2016, I was placed on hold for 1 hour and 20 minutes until I reached a rep, who switched me to another rep line, which gave me a recorded message that there would be at least another hour hold time. This is totally unexceptionable.
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2016-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-07
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I closed mmy account and video recorded myself doing it and XXXX is fraudulently trying to keep it open
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-05
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: I have a Checking Account at Key bank, which has been open for several years.For the past 5 weeks I have not been able to transfer funds or pay bills on Online Banking. I have had XXXX lengthy conversations with Customer Service and Online Banking. Not only has this problem not been resolved, but no attempt has been made to enable me to transfer my funds or to find an alternate solution. I do NOT understand how it is legal for the bank to deny me access to TRANSFER FUNDS from MY OWN account.I do not reside in the US and need to transfer money, as I have been doing for 5 years, from my Online Banking checking account to a foreign exchange account. This is the money I live on. My credit card payment is due shortly and I need to transfer the funds to pay this and also to pay for my everyday expenses. I find this situation untenable. Please help. Thank you
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-24
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I went into the bank, closed my checking account and told the teller, branch manager and a service rep that I intended to stop the autodebit i had to pay our 2nd and 3rd mortgage. I asked for a new auto debit form and since i didnt have a check on me we couldnt set up the new debit. I told him that in reality you just need signed auth for a recurring ach debit because a prenote would verify the info before actual payment is mafe. The branch manager told me he still couldnt do it. I called later agter i got a check the XXXX branch and the XXXX branch for a form without resolve. I then stopped back into thr XXXX branch where they couldnt set up the ach and then the teller told me the autodebit caused the account to teopen and then charge my account XXXX fees plus one of the payments posted. The teller couldnt help me. I emailed the banks helpline and they didnt help me. I stopped into the XXXX branch 3days ago snd still have not gotten resolve. I got s call from the nranch manager to which i missed and hVe called her back 5 times and email ed her once. Her voicemail says not to leave a m ssage. Aside from breaking nacha rules this is extremely deceptive. I just want it corrected so i can pay my mortgages.
Company Response:
State: CO
Zip: 80108
Submitted Via: Web
Date Sent: 2016-09-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-24
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I made purchases after my direct deposit was made available but keybank put these transactions through prior to making my deposit available causing me to incur 4 overdraft charges and will not refund me.
Company Response:
State: NY
Zip: 14223
Submitted Via: Web
Date Sent: 2016-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-23
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: A marine loan was obtained from Key Bank on XX/XX/XXXX to purchase a vessel. This loan has been in excellent standing the entire time as of today. An automatic payment service was set up to pay each amortization bill, starting with the first payment according to the loan terms and is still active as of today. There have never been late or missed payments as the system has kept a consistent scheduled payments automatically. On XX/XX/XXXX, I walked in person to the Key Bank Branch at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I was serviced by the branch manager, XXXX XXXX XXXX. I handed XXXX XXXX a cashiers ' check that I received as a family wedding gift and asked him to please add these {$2000.00} to the principal as a principal-only reduction payment. This {$2000.00} was in addition to my regular automated payments. XXXX XXXX proceeded to make the payment to my loan account and gave me the receipt, which I keep in my possession at this time. Transaction Tracking : CC # XXXX Seq # XXXX XX/XX/XXXX XXXX. Copy attached. The principal balance before the extra {$2000.00}, according to the attached XX/XX/XXXX Statement was {$87000.00}, and after the {$2000.00} the balance was shown as {$85000.00}!!! $ XXXX {$2000.00} = {$85000.00} so there was an immediate discrepancy of {$330.00} on the bank 's advantage. I called customer service on the same day XX/XX/XXXX after looking at my online balance and the bank agreed to solve the problem within 5 business days. Reference Key Bank call tracking number : XXXX and XXXX I continued monitoring my account and the principal balance has kept going up every day!!! Out of control. The Principal balance has been changing daily as follows ( record pictures of the online account status attached for reference ) : XXXX/XXXX/XXXX Before {$2000.00} principal reduction : {$87000.00} XXXX/XXXX/XXXX After {$2000.00} principal reduction : {$85000.00}!!! Error, should have been {$85000.00} XXXX/XXXX/XXXX {$86000.00} XXXX/XXXX/XXXX {$86000.00} XXXX/XXXX/XXXX {$86000.00} XXXX/XXXX/XXXX {$86000.00} XXXX/XXXX/XXXX {$86000.00} at XXXX XXXX/XXXX/XXXX {$86000.00} at XXXX XXXX/XXXX/XXXX {$86000.00} XXXX/XXXX/XXXX {$86000.00} XXXX/XXXX/XXXX {$86000.00} How XXXX can a loan statement balance go up without any transactions??? On XXXX/XXXX/XXXX I checked my balance and records on the website, and the bank changed the records on the {$2000.00} deposit to make it look as if it were a {$1300.00} deposit instead. ( Records kept of all these bank unauthorized and illegal modifications before and after available for reference ) All automatic payments are still in place and I have n't changed anything while this investigation takes place as I do n't want to add any variables. The next automatic payment of {$630.00} took place on XXXX/XXXX/XXXX. This money was withdrawn from the paying checking account and shown in the payment records but not accredited into the balance!!! Not a single dime!!!! I have now talked to the branch manager ( XXXX XXXX ) in person, and over the phone ; I have called customer service 4 times and have gotten acknowledgment of the issue but no response!!!! I have recorded the latest conversation with the bank giving them a clear disclosure of record keeping prior to talking, this last call has a Key Bank tracking number as well : XXXX. The bank has agreed to correct the error but has done nothing about it. The bank has an " updated '' website that does not provide bank statements of Principal/interest payment breakdown information any longer. The iphone App has also gotten rid of any useful information. I have requested a paper copy of every statement and have walked to the bank branch in person to print my recent statements. This situations is unacceptable and needs to be rectified immediately. At this point in time, there 's a discrepancy of {$480.00} with an additional {$630.00} non-credited payment = {$1100.00} on the Bank 's favor!
Company Response:
State: WA
Zip: 98117
Submitted Via: Web
Date Sent: 2016-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-21
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I opened a new checking account at Key bank after I received a mail saying if I opened a new account and set up direct deposit, I would get how much cash credited to my checking account. I waited and waited, after I opened the account [ and did everything they told me to do ], but no credit appeared in my account. I inquired many times by phone and in person, every time I was told [ in XXXX, XXXX, and XXXX ], just be a little more patient, it will come. But it has been 5 months since I opened the account, no credit was received. Finally the last few days, when I called the bank I was told no credit was forth-coming. I wasted a ton of time, I feel very cheated by this bank! Do n't know how many other people, they did the same thing to?
Company Response:
State: WA
Zip: 98115
Submitted Via: Web
Date Sent: 2016-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-22
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I attempted to close my bank account with First Niagara Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX NY on XX/XX/2016. To date, the bank has failed to provide me with my account balance. They claim a check was mailed on XX/XX/XXXX however it has not arrived and they refuse to stop payment and reissue as I can arrange pickup.
Company Response:
State: NY
Zip: 14206
Submitted Via: Web
Date Sent: 2016-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No