Date Received: 2016-09-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I was part of the government Foreclosure Prevent effort program. That had helped me to protect my home from foreclose. The agreement was to maintain and work towards saving home as my home receive mortgage assistant. As of XX/XX/2016 the program was expiring, they sent a letter for me to take action as the day approach. I was giving XXXX options to prepare. I did all that was listed in the letter, however my mortgage company have been to given me a hard time and denied my twice, I appealed and have been continue to follow the compliance in which I was told to do so. The Mortgage Company failed to make any real helping progress and help me as a mortgagor. They receive all payments from the program on time and on several occasions they fail to keep my account up to date and let me know when changes was being made, when it came down thing I had approve like taxes insurance. I called on occasion. I took local action to assist with my mortgage and making it affordable for me. Because the interest was adjusted it from the mortgage prevent program, it impossible to refinance for repairs, or make it impossible to even if I wanted to sale property due to overwhelm principle being too much the home have no value. I express my concern to the mortgage company and I was still hit with intend to foreclose. It 's as I am being bully from a company that have no intent to save a dream only to profit. It is as if they knew the downfall. When I request for more detail regarding decline decision I was told they ca n't discuss the decision the investor makes. In mu process I had, request for a principle reduction, due to homes in neighborhood being miscalculated of value that create a disadvantage for my home the marketing for true value. The mortgage company knows that my neighborhood was doom for deprecation from wrongfully value from day of my purchase. I ask for guidance and help. Thank you
Company Response:
State: OH
Zip: 44111
Submitted Via: Web
Date Sent: 2016-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-19
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: ISSUE : The latest key bank digital online banking production released UI does n't authenticate properly. Key banks " offline '' status for 5 days has cost me late child support transfers, a failed pre school tuition payment transfer, and inability access my account information among many other inconveniences. For not just me, but ALL of their consumers. Meanwhile, I 'm sure they are cleaning up the fees while no one can even access their information. This should be criminally illegal. Specifically, the identity authentication link below is broken and does not work in IE, Chrome or FF. XXXX
Company Response:
State: NY
Zip: 14228
Submitted Via: Web
Date Sent: 2016-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-15
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: We purchased a boat 10 years ago and had Key Bank as our lender. Over the past 120 payments, we have been paying late fees in amounts of XXXX. I had contacted them to get our payment date adjusted to avoid the late charges. They assured me they would do this. We recently fulfilled our obligation with Key Bank and based on our timely montly payments, we feel we should be reimbursed the late charges. We always paid our montly payment at the same time, we never missed any payments.
Company Response:
State: MI
Zip: 499XX
Submitted Via: Web
Date Sent: 2016-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-14
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: XX/XX/XXXX, we visited Keybank regarding fees and was told my account would be placed on Key Privilege Checking. The benefits of Key Privilege Checking included free checks and no maintenance fee ( see attachment ). I recently had a NSF when I knew I had enough to cover the checks written. After reviewing my account, it was determined that it was the maintenance fee for {$25.00} which caused the overdraft. Further review of my account shows that I have been charged a maintenance fee of {$25.00} since XXXX XXXX, however my check reorders have been free. I have spoken to XXXX, who was able to adjust XXXX maintenance fee. XXXX stated further review would be required by XXXX and then we were advised XXXX could not make any further determination and I was referred to XXXX, Operations Manager who said all she could do was adjust XXXX more maintenance fees and that she would put my account on the maintenance free Employer program to avoid future fees. I am requesting a refund for the XXXX maintenance fees ( XXXX ) charged in error in the amount of {$250.00}. The fees can be seen on the attachments posted on XX/XX/XXXX/XX/XX/XXXX between XX/XX/XXXX-XX/XX/XXXX ( XXXX of the XXXX have been refunded by the bank ).
Company Response:
State: OH
Zip: 44720
Submitted Via: Web
Date Sent: 2016-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-09
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I responded to an Internet banner ad for a {$300.00} bonus for opening a new Key Bank Checking Account. So, I did so online and deposited {$50.00}. But I did not receive a welcome packet and they closed my account ( Account XXXX ) after 10 days. When I called up, XXXX different departments said I had a ten year-old XXXX hit in the system. But that 's way past the limit for XXXX to be keeping it on a file ( not that it 's even mine ). I believe that Key Bank did not check with XXXX, but used their own histories that has data in it older than 10 years. I do not know where they got this flag from as I have never had an account with this banking company. And they said they would hold the deposit for 90 days.
Company Response:
State: MI
Zip: 48108
Submitted Via: Web
Date Sent: 2016-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-08
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I hold a CD account at KeyBank NA - Key Direct. The account is held in a Revocable Family Trust and I and my wife are the Trustees. Upon its expiry in XXXX XXXX and during the 10 grace period, I contacted the Bank to terminate the CD and return my funds. They asked for another of the Trust, ( which was originally provided when I first opened the account and was subsequently provided at their request a number of years ago. ) I sent them the XXXX copy of the Trust and a Letter of Direction on or around XXXX XXXX, XXXX. I heard nothing from the Bank. After a number of weeks I contacted the bank and inquired about the matter. They told me that the Letter of Direction needed to be notarized - which was not part of their original instructions. A notarized Letter of Direction was prepared, signed and notarized in my attorney 's offices. The letter was sent to the Bank on XXXX XXXX, XXXX and subsequently on XXXX XXXX, XXXX. At no time did I ever hear back from the Bank. Today, XXXX XXXX, XXXX I called the Bank to again to inquire. I was told the date on top of the letter ( when I wrote it ) of XXXX XXXX, XXXX did not match the date of the notary signature which was the next morning XXXX, XXXX when we signed the letter. Additionally, they seems to have a problem with the Notary 's stamp which clearly states she a Notary of the State of Illinois and her commission expires in XXXX XXXX. For 6 months the bank has refused to close the account and send me back our money. They make up a differing rule or requirement every time I seek to satisfy their requirements and never have the contact me with an update or request it has always been up to me to reach out to them and figure this stuff out. Frankly, I now consider that this issue has gone beyond poor customer service and is a matter of actively obstructing me from my money and quickly approaching a criminal act of theft.
Company Response:
State: IL
Zip: 60515
Submitted Via: Web
Date Sent: 2016-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-06
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Key Bank, which is buying XXXX, has told me they will soon be charging me for use of my overdraft account, which, while I was with XXXX, and, before that, when I was with XXXX, cost me nothing. Now they tell me overdrafts may cost me as much as {$100.00} a cycle! This is unfair for me and all others who are powerless against this huge bank to protect a valuable personal asset, which, in my case, is {$10000.00}. of overdraft credit which has heretofore for many years, been free.
Company Response:
State: MA
Zip: 02145
Submitted Via: Web
Date Sent: 2016-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-04
Issue: Other
Subissue:
Consumer Complaint: 1 ) KeyBank and XXXX are merging. 2 ) I have a closed MasterCard account that is being transferred from XXXX to KeyBank. 3 ) I received notification that most of the terms and conditions of my cardholders agreement - interest rates, fees, account number - will not change. The address for payment will change. 4 ) XXXX key conditions are being changed. a ) The five day grace period for a late payment fee will be eliminated. I can live with that. b ) The billing cycle will end on the XXXX day of each month, instead of the XXXX, XXXX or XXXX. Due date will be the same " at least 25 days after close of billing cycle ''. This, combined with the elimination of any grace period, is terrible. It places the due date closer to the end of a month. It is already very tight to get money in time from an account at a bank, where it appears as my income on the last day of a month, to meet a deadline for payment by the XXXX of the following month. Changing this to the XXXX just makes it that much harder. How can this be considered a fair and acceptable change? It, together with the end of any grace period, is an invitation to collect more late payment fees.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-02
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: In XXXX XXXX, I took out only XXXX loan from Key Bank to study for the bar exam. My credit reports show XXXX separate loans all from XXXX XXXX. Due to the losing my job in XXXX, I fell behind on my bills including Key Bank. I have paid down the Key Bank loan from {$10000.00} to {$6000.00}. However, XXXX other accounts XXXX and XXXX XXXX Bank XXXX XXXX show that a claim was filed with the government for the same loan. A few problems. First, I have only XXXX Key Bank loan and it should not be reported the other two times on my credit report. I have sent requests to all XXXX for copies of the loan documents. Second, if the government paid on a filed claim, I am also paying and, hence, Key Bank received double payment. Third, if the government paid the claim, Key Bank is whole and should not be receiving payment from me and the loan should show paid. Or, Key Bank should refund the amount I paid and am paying to the government. All XXXX accounts should provide a copy of each separate loan agreement and papers. Since there is only XXXX loan, the other XXXX should be removed from my credit reports. If the government paid the balances off or any portion thereof, Key Bank should reimburse the government for the amounts I paid.
Company Response:
State: KS
Zip: 672XX
Submitted Via: Web
Date Sent: 2016-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-31
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: KeyBank is taking over XXXX XXXX XXXX. I have a credit card with reward points that do not expire with XXXX XXXX. After the merger, points will expire if not used in 48 months. Details of this are hidden in the terms of contract. I feel that this is an outright theft of funds especially for people that do not read every detail.
Company Response:
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2016-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No