Date Received: 2023-06-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: To Whom it may concern, On XX/XX/XXXX, XXXX, XXXX I called Keybank to determine when I would receive the escrow surplus on my closed ( paid off ) Home equity loan ( account # ending in XXXX ) and my closed ( paid off, home equity line of credit account # ending in XXXX ). During one or more of those calls, I also asked the representitive to verify what mailing address Key had for me and she verified my mailing address as XXXX XXXX XXXX XXXX NY XXXX. I received a call back from Key Bank on XX/XX/XXXX, during that call I had her verify my address again. The representative then told me the checks were printed on XX/XX/XXXX and would then be mailed following a ten day waiting period. I waited until XX/XX/XXXX, I then called Key to inform them I had not received either of the escrow surplus checks. I called again on XX/XX/XXXX, and XXXX. I informed Key on XX/XX/XXXX that I finally received the escrow surplus check for the account ending in XXXX on XX/XX/XXXX ( I can verify this via USPS incoming mail scan ). I also informed them that I had not yet received the check for acount ending in XXXX. When I called Keybank on XX/XX/XXXX a Keybank mortgage representative ( named XXXX XXXX told me the check was mailed to the wrong address, following that call I was told I would need to fill out an indemnity form in order to get this check. I called again today as was told it will take another 10 to 15 days to get reimbursed for the escrow surplus for acount ending in XXXX. I updated my address with key in XXXX when I moved to XXXX, at that time no one informed me that this did not include the aforementioned accounts, nor was this mentioned during any of the calls which occured between XX/XX/XXXX to XX/XX/XXXX. I called again on XX/XX/XXXX then and only then was I informed that for account ending in XXXX that an address change could only be done in writing. I find it very in consistent that the check for the account ending in XXXX ( also a home equity mortgage ) was mailed to the correct address without it being submitted in writing. Sincerely, XXXX XXXX ( still waiting for the Big Financial Institution to send this little guy his Money the money that cleared these aforementioned accounts on XX/XX/XXXX )
Company Response:
State: NY
Zip: 14020
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: XX/XX/XXXX, XXXX overdraft my checking account for coffee and breakfast which put my account negative XXXX dollars and change. I was short a XXXX for a medication my insurance is not covering so I have no choice but to overdraft the XXXX dollars. So XX/XX/XXXX my account is negative XXXX and some change. XX/XX/XXXX XXXX account is XXXX. It's unfair that the bank is charging me extra XXXX dollars for overdraft fees. XXXX the fee down so they can charge for extended overdraft fees. Key Bank is unfair and the employees are rude I understand that overdrafting is my fault but my health is my priority. I have made better arrangements for this issue don't happen anymore.
Company Response:
State: NY
Zip: 14094
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/23, I made an account-to-account deposit for {$5000.00} from my primary XXXX to XXXX XXXX to find my new high yield savings account. As of XXXX, I still have no access to my funds as my account is being closed due to suspected fraud. I have reached out to XXXX XXXX at least 4 times via email and phone and still have no idea of when, or if, I will receive my funds. They claim that they are going to send me a {$5000.00} check but why wouldn't they return the funds electronically to the originating account if they suspect fraud?
Company Response:
State: TX
Zip: 76109
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was in an XXXX relationship and my ex-boyfriend opened bank accounts in my name and used those accounts to deposit stolen/fraudulent checks. I could not come forward with this information during the investigation because I was still in my XXXX relationship. It wasn't until I moved to a completely different state ( all to get away from my XXXX ) that I was able to come forward with this information. By this time, the bank already completed the investigation and still found me responsible even though I told them everything and gave them my ex-boyfriends name, dob, social and address. I haven't been able to open a bank account because of this. My life is almost completely back on track ( I had to start completely over because of this man ) except for this one hiccup. I don't know what else to do.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: Deposited a check on the XXXX threw online banking it sent me receipt saying would be approved on the XXXX it was approved and cleared the online banking information showed my total positive amount deposited in my account with no issue bank took XXXX $ for over draft fee and shows running balance of my funds thew the day I go to my residence office to pay my show them money is there to pay my rent to avoid eviction on Friday the XXXX I signed the promise note the day of the XXXX I go to buy money order to avoid eviction with no notice other then the + amount in my account I get declined for my money orders I call bank my account now reads negative balance and they after showing and misleading me to believe my funds are there now they say there is a hold I need to wait till the XXXX with no notification to me now Im about to be evicted I have called key bank multiple times I have ever called XXXX who cut the check they have contacted XXXX XXXX XXXX there account is threw and provided key bank the check verification and the transaction number telling key bank the money is released that the funds have are not being held thus key is choosing to withhold my money after miss leading me to believe my money was my own with no issue I have pictures now I have called 8 times and escalated as far as they will let me now I face tomorrow eviction because of being misled by my bank with all verification that my money should not be held by the payee
Company Response:
State: FL
Zip: 34471
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Attached is an FTC affidavit. Use the FTC affidavit to add to my current credit dispute and my credit profile. Second official notice To XXXX XXXX, XXXX, and XXXX All three companies are in violation of the consumer laws I have contacted all three companies several times to correct my credit profile I was a victim of identity theft and there are several accounts that are reporting incorrectly all three credit services have Failed to remove all of the ant accurate credit reporting. The only company that has removed some of the inaccurate credible reporting is XXXX and XXXX experience has continued thank you to report inaccurate overdue payment accounts on my credit profile. I have spoken with legal representation, and this is the second notice if there are no changes after the 2nd and 3rd notice all credit service will be in default and I will pursue a Declaratory judgment That would equal {$10000.00} for each and inaccurate credit Account on my credit profile. The following account should be deleted immediately KeyBank, XXXX XXXX, XXXX XXXX, XXXX And XXXX. All those accounts were wrongfully charged due to identity theft. All those accounts should be removed and deleted immediately. I discovered an overdue payment that is wrongfully being reported I have spoken to discover, and they have informed me that they are not reporting that account late that should also be deleted in media. Failure to comply Where result in Legal compliance and will be evidence an emission of guilt. For all the infractions all credit services will officially owe a default judgment of {$80000.00}. Take note of the following laws 15 U.S. Code 1681b - Permissible purposes of consumer report. LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681b Quick search by citation : Title enter title. Section section 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having authority to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants fiscal responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) executive departments and agencies in connection with the issuance of government-sponsored individually billed travel charge cards. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment. ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) one of this title; and ( ii ) The consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. Notice to XXXX, XXXX, XXXX Consumer financial protection bureau I choose to opt out of the following credit reporting the following companies have not asked properly my permission for credit reporting and I choose to Activate my consumer options according to 15 USC 1682B to opt out of Their monthly credit reporting according to permissible purpose consumer law.
Company Response:
State: OH
Zip: 44106
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX around XXXX, I attempted to make a cash deposit of {XXXX into my checking account via XXXX at a KeyBank XXXX XXXX XXXXXXXX XXXX XXXX XXXX The ATM accepted the cash, kept it, but did not credit my account. Instead, i was given a slip saying there was an error and to resolve the issue in person at a branch. When I returned the very next day, when the bank was actually open, they acknowledged that the XXXX had extra cash stuck inside but did not count it or seemingly do anything to keep my funds from being lost. They told me they filed a dispute and would conduct an investigation. When I returned on XX/XX/XXXX, after receive absolutely no communication as to the results, i found that the teller had not filed my dispute to the correct place and my claim was denied. The person helping me at this point claimed to pass it off to his XXXX and the original teller that filed my dispute to the wrong location. At this point they told me they would call me on the XXXX to inform me of more details and a possible provisional credit. Today is XX/XX/XXXX, and i have received no communication. I also sent an email to their customer service over a week ago, with no follow up communication. At this point, I've been into the branch in person twice ; reached out electronically ; given them more than the 10 days the electronic funds transfer act allows them without a provisional credit ; they have never even admitted to taking my funds in the first place, beyond saying the found some cash in the ATM that morning. I don't see a difference between my situation and handing my money to a human teller, who then loses it and denies me ever handing it to them.
Company Response:
State: CO
Zip: 80129
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was scammed XXXX dollars in total back in XXXX in the days XXXX XXXX XXXX. Through my cash app and my XXXX that was connected to my bank. XXXX was through XXXX and XXXX was through XXXX. I tried to dispute these charges with all three companies back when but they all laughed at me and told me their was nothing they could do. None of the companies put a hold on my account from my bank all the way to XXXX and cash app. XXXX dollars is a lot of money especially when their was XXXX total charges. One of these companies if not all should of put a hold on my account! None of them did
Company Response:
State: WA
Zip: 98444
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: As disclosed herein XXXX XXXX XXXX XXXX XXXX XXXXXXXX was subject to a cybersecurity attack culminating in ransomware from XX/XX/XXXX to XX/XX/2022 ( the Incident ). XXXXXXXX XXXX XXXXXXXX endpoint security detected and terminated the ransomware shortly after it executed. With assistance from third-party experts, XXXXXXXX XXXX XXXXXXXX took immediate steps to secure its systems and investigate the nature and scope of the Incident. On or about XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX discovered that the Incident may have impacted protected health information ( PHI ) or personally identifiable information ( PII ). We have found no evidence that your information was misused. XXXX XXXX XXXX failed to prevent 2022 data breach. In response to the attached letter, I mailed it to each of the three major credit bureaus to request a fraud alert to be placed on my credit report. As an asinine response, as if these people working for XXXX, XXXX and XXXX don't understand basic English, or don't care to read it, I received a credit report from each, but neither made mentioned the need that creditors have purported for a phone number to be on file. In fact, when I called each entity every time a creditor, namely XXXX XXXX XXXX ( co-brands with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KeyBank ( who failed to communicate this, until I pressed the issue after waiting 48 days to receive business cards to reflect the approved $ XXXX and $ XXXX application letters, which I will address further on another report ) stated that they could not move forward with my credit card applications, notwithstanding a section of the Ohio Revised Code ( XXXX Unlawful discriminatory practice of creditor ) which in part, prohibits creditors from discriminating against any applicant for credit in the granting, withholding, extending, or renewing of credit, or in the fixing of the rates, terms, or conditions of any form of credit, on the basis of race, color, religion, age, sex, military status, marital status, national origin, disability, or ancestry, ( except that this division shall not apply with respect to age in any real estate transaction between a financial institution, a dealer in intangibles, or an insurance company as defined in section XXXX of the Revised Code and its customers ). They try to circumvent the discrimination claim by purporting that they can not verify us, namely people of color, or if we have a fraud alert on our credit report, which is not visible, they require us to endure a personally identifiable information ( PII ) exposing verification process via an interrogation- over the airwaves of VoIP - that they purport is only a verification process, but they refuse to provide their first and last name, representative identification and/or city in which they are working. I am sure there is a label on ANY account that I hold per my vehemently complaints about the lack of fairness in communication and privacy as we never know who is interested in collusive activity. In addition to that, the credit bureau representatives purport that none of the phone numbers that are on your credit report is the one on your account for the fraud alert. This is institutional discrimination which prevents us from accessing working capital and the like. Of the three credit bureaus, XXXX has NOT sent me a printed copy of my credit report, no matter how many times I have requested it annually or when I am denied credit for my businesses by asinine decisions of creditors.
Company Response:
State: OH
Zip: 434XX
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Im not sure where to begin..I am doing home improvements and other things and was over budget..I went into Key Bank to close my account..a gentleman suggested I get a credit card and asked my credit score..it was XXXX on my XXXX credit update that day..he said right now I could get a card with absolutely no interest or fees for 15 months..I didnt know this was offered as I have had the same card with XXXX for approx 20 years..never had another one other than XXXXXXXX XXXX and usually carry no balance. My credit is always locked up for safety..went into his office and unlocked the credit reporting company they use. From there on it has been nothing but absolute miscommunications..outright untruths that to prove I have had to have many phone calls reviewed after Ket Bank associates telling me no one would ever say that. I was told no fees, called in to transfer a balance and was told I couldnt for 15 daysmanager later telling me that was not true and no one ever said that..Had the phone called..proved they did.also XXXX said to decide whether or not I pay the fees depended on policies they were reviewing not what their employee told me..it took a month for her to decide the policy was against me..I called Tuesday and they said a man was taking my case..First there was XXXX, then XXXX and now someone new.. I wrote to them in the XXXX of XXXX saying I was going to report this issue..XXXX called me on Wednesday the XXXX of XXXX early afternoon and said my care was being reopened straight away..this is recorded..no replyhave been called an untruthful person..was told I couldnt use my card as well as very condescending bank manager telling me Not to use my card..every thing I told then had to be proved by them pulling a recorded call..very unprofessional and terrible service. Thank you for your time, XXXX XXXX XXXX
Company Response:
State: IN
Zip: 46219
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A