Date Received: 2015-04-09
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: A check for an amount greater than {$4000.00}, dated XXXX/XXXX/15 was endorsed, presented, and accepted by a bank for deposit on XXXX/XXXX/15. I do not believe this to be proper procedure for a check to be accepted before the date written on the check. What can be done to ensure that this does not occur in the future?
Company Response:
State: SC
Zip: 29406
Submitted Via: Web
Date Sent: 2015-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-02
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: In 2004, I took out a student loan through Key Bank, for XXXX University. After XXXX getting a job, I made payments ( an occasional forbearance or college coursework default ) for about 4 years. Then, after losing a job and becoming late on some payments after XXXX, they suggested I put my loan in my last economic hardship forbearance around XXXX ( 6 months of no payment ) I agreed. The next month I got another bill. They said they back dated my forbearance and I still would need me to pay for the rest of the loan, monthly, starting the same month I applied for my forbearance. I knew I had been taken advantage of but could not do anything. They called reguarly for another month for money ( that I didnt have since being placed on unemployment ) and after not having a payment said they were going to charge it off, unless I came up with 10,000 dollars. They hit my credit report the whole time and have since then put the charge off date as late as possible to stay on my credit report as long as they can ( I diputed them and have to write each agency to update information ). The money I paid did n't account for anything, the last of my XXXX forbearances did not count and from the time they said it was charged off to the date on my credit report was wrong. For the past 2-3 years it has hurt my credit and will continue too, for XXXX more. I XXXX when I was XXXX, had XXXX okay job, from college, that did n't fit, now, I am XXXX, trying to be a XXXX, that at XXXX, will not have a chance at a house, business or car loan for at least a half of a decade!
Company Response:
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2015-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-02
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: Originally complained about numerous harassing phone calls ( # XXXX ) and, due to unemployment, how Key Bank refused to allow forbearance. Now, they have reported to the credit bureaus that I am 90 days late ( affecting credit score from XXXX to XXXX ), which is erroneous. Some month payments are doubled. I asked numerous times for a forbearance ( due to unemployment/ hardship XXXX XXXX to XXXX ) and was refused. Monthly payment is {$160.00}. The following are the payments made:XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$320.00}, XXXX/XXXX/XXXX - {$320.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$320.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$320.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2015-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-03-30
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I had previously filed a complaint against Key Bank and now it seems as if they are retaliating against me by charging ridiculous fees. I have disputed their response of that complaint with the details. However, THIS complaint is to get my {$40.00} back for their Rewards Program Annual Fee that I paid since I will not be banking with them DUE TO THEIR OWN ACTIONS and can not therefore benefit from the Rewards Program any further because I am closing my account within the next week or so when I have time to get there and do so. I have already cancelled my direct deposit and now just have to check out some other financial institutions to see where I wish to bank. So, the {$40.00} they charged me for their Rewards Program Annual Fee should be returned because DUE TO THEIR ACTIONS I will not be able to " cash-in '' on my rewards points since I will be closing my account soon.
Company Response:
State: ME
Zip: 046XX
Submitted Via: Web
Date Sent: 2015-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-28
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I had a Home Equity about to go into repayment, I stopped at a branch to ask as question about if the loan would remain a fixed rate. The sales pitch began and I agreed to a loan for a larger dollar, filled out the app and supplied ALL info asked for. I received a call saying I was approved. A few days later I decided that this new loan would not be in my best interest. I called the branch and left a message for lender that I was no longer interested and I 'll just let the account go into repay. I received messages following up and I 'm sure a likely attempt to change my mind.TODAY I received a denial letter saying they regretted that after carefully considering my application they are unable to approve for these reasons ... credit application incomplete and failure to supply requested additional information. XXXX untrue, I denied them! My complaint is the impact and concern that this denial may impact my credit report and if so that needs to be corrected. I would call the Bank but want to make sure no other customers receive a denial letter when they were n't denied nor have their credit report impacted.
Company Response:
State: ME
Zip: 04240
Submitted Via: Web
Date Sent: 2015-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am paying on my sons student loan that I cosigned on. I can not pay on the due date but have never missed a payment. Key Bank calls anywhere from XXXX to XXXX times a day starting from 2 days after the given due date until they receive the payment, which is usually 2 weeks
Company Response:
State: WI
Zip: 53214
Submitted Via: Web
Date Sent: 2015-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No