Date Received: 2023-05-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Upon further review it has come to my attention that I have been victimized by identity theft. I never authorized these transactions and what is reflecting on my end is inaccurate. Please contact the vendors and investigate such occurrence. I am requesting that collection and reporting efforts cease expeditiously.In addition, as a part of your investigation, please send the names, business address and phone numbers of those who made unauthorized purchases so i may contact them directly! I sent them a copy of the police report from the XXXX XXXX Sheriffs Office in conjunction with my dispute letter and lastly my identification theft report with the Federal Trade Commission. Also,15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no financial institution/consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: OH
Zip: 44004
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: In XXXX, I had my password connected to my checking account compromised. After a complete investigation from KeyBank, it was found that there was fraudulent activity on my account. I was returned the money that was taken from my account. And then KeyBank let me go as a customer. As recently as six months ago, I discovered that KeyBank has been reporting me as committing fraud. I did not commit fraud. KeyBank found that there was fraud through their investigation returned the money that was taken and discontinued our relationship. I have filed three complaints. No solution on key banks behalf. I disputed the information. KeyBank reported it as accurate and correct information and decided that they were going to leave it on my credit report. This has damaged me severely. I am unable to open another account. XXXX XXXX XXXX is the consumer reporting agency that has reported to XXXX XXXX that I am a fraud. XXXX XXXX has my account on freeze.
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Other transaction problem
Subissue:
Consumer Complaint: XXXX - Please refer to this previous Keybank complaint and response. Keybank instructed us to file a dispute of transaction from XXXX to Keybank to get the funds that Keybank has kept from us which is {$3000.00}. XXXX XXXX has reached out to Keybank to get the fund back as instructed by Keybank, but Keybank refused to release the fund to the original sender. Please let us know how we can get our money back from Keybank, or how we can escalate this issue to get our money back from Keybank. Attached is the previous letter of response from Keybank from the last complaint.
Company Response:
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I applied for a checking account at XXXX ( part of Key Bank ) in late XX/XX/2022 and received a secured email asking me to upload my license, XXXX and by the time I responded the secure email expired in 6 days. and I was unable to proceed. Then I applied in XXXX and after uploading my documents I received a message asking me to proceed and create a user login but after verifying my ID I was not able to create a new login and after several calls ( not helpful and going back/forth ) I was told the the Key bank login credentials that I had from a couple of years ago were causing some conflict and they escalated the issue and after a few more emails I was told the have the issue has been resolved but that I have to apply all over again ( see the email conversation with XXXX XXXX in the attachment - start from the bottom of the email ). All of this took almost a month. So, I applied again in XXXX and again I received an email asking me to upload docs and I did that and received an email the next day saying my license image was not clear and that I should upload a better image and then just a few minutes later another email declining the application- I saw both emails later that night and before I had a chance to upload a clear image of my license. However, the email does not provide any reason for the decline or what the issue is- just a message that says " During the account opening process, our review determined that we are not able to open a savings account for you at this time '', which does not help me to address any issues on my end that may have caused the application decline.
Company Response:
State: CO
Zip: 80214
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Dear Sir/Madam, I am writing to file a formal complaint against KeyBank for XXXX discrimination in the lending process. My name is XXXX XXXX, and I recently applied for an auto loan of {$20000.00} from KeyBank. However, my application was denied, and I strongly believe it was due to my XXXX As a federally regulated institution, KeyBank is obligated to follow federal laws and regulations that prohibit XXXX discrimination in lending, such as the Equal Credit Opportunity Act ( ECOA ) and the Fair Housing Act. These laws aim to ensure that all individuals are treated fairly and equally when seeking credit. Despite these legal protections, I feel that KeyBank failed to adhere to these standards and engaged in discriminatory practices during my loan application process. I was not provided with a clear reason for my loan denial and was left feeling that my application was unfairly judged based on my race. I am filing this complaint with both the National Fair Housing Alliance and the Consumer Financial Protection Bureau to request that they investigate this incident and hold KeyBank accountable for any discriminatory practices. As an affected consumer, I believe it is important to hold financial institutions accountable for any actions that violate federal laws and regulations. I request that the National Fair Housing Alliance and the Consumer Financial Protection Bureau investigate my complaint and take appropriate action against KeyBank if found guilty of violating these laws. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: 132XX
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX, 2022 I received an email from XXXX that said I was going to be charged XXXX $ I thought it was a scam. So I went to the XXXX app on my phone and saw the notice that said if I don't respond within 24 hrs I would be charged anyway. There was an XXXX number to cancel the transaction. I called the number and the person on the other end said yes that the transaction had already happened and he would help me get my money back. He told me to upload an app on my computer and that would help him walk me through the return process. I did and then he had me log into my bank account online. I did and then the computer screen showed that the transaction had charged my account XXXX XXXX So he had me fill out a return form for the dollar amount. But, he made my decimal point not work. And so he made it look like he transferred XXXX into my account. Then said oh XXXX, there has been an accident. You received that money and that XXXX was going to get their money back. I said I would gladly pay them back. He said that now that you have received this money that you will have to pay taxes on it. I said that is not fair, that is your mistake. He said it was your computer that didn't put the decimal point in. Then he had me type the numbers XXXX... it showed my decimal point not working until the 3rd time I hit it. So he said you can pay this amount back without paying taxes if you wire XXXX the money directly. I said how do I do that. He said go your bank and tell them you want to transfer that amount to XXXX. And he gave me the address of the bank information in XXXX XXXX. He said stay on the phone with him if I have any questions. I drove to the bank and he said now they might not want to transfer that money and you don't want to pay the taxes so tell them you want to repay a loan. And tell them you know the person that is receiving the money. All the while the guy was on the phone listening. He told me to keep him on the phone in case I had any questions. I did everything he told me because I didn't want to pay taxes on that money that looked like had been added to my checking account. I told the bank teller I wanted to wire money and she told me to wait in the waiting area. I did for 5 minutes and then the bank manager called me over and asked me what I wanted to do. I said I want to wire money to a guy in XXXX XXXX to repay a loan. She started filling out the form online she asked me if i knew the person receiving the money and i said i did and then asked me which of my accounts I wanted to send the money from. I said the checking account. She said oh you have the money in your savings account and I said no, it's going to come out of my checking account. She said oh there it is and then she had me sign the paper and then she gave me 3 pages of stuff and said have a good day. I walked out of there and got in my car and then looked at my phone and asked the guy if that was it and he said the bank executive would call me later to ask me if I was transferring that money and that the guy would stay on the line to make sure if I had any questions. I went about my business at home and then after an hour I said I'm getting busy I'm going to hang up this phone. He said he would call me tomorrow to make sure I was happy with the transaction, but for me to not to look into my checking account because it would tip off the bank that there was something wrong and they would stop the transfer. I said no problem good bye. I was awakened the next morning by the same person from XXXX at XXXX in the morning. I told him it was too early and not to call me that early. I hung up the phone and then I got suspicious. I went online and looked at my accounts and saw that the XXXX person had transferred that amount of money from my savings into my checking account while I was at the bank. I called the bank fraud division and they put a hold on the money. They told me it would take 10 days to get my money back. I went to the bank later that day and told them what happened. The bank XXXX told me I would never get my money back, and she said that's why I asked you all those questions. I said what questions? I said all you asked me was if I knew the person receiving the money. She said that you were so intent on sending that money that no amount of questions would have changed my mind. I said I've never transferred money before and if you could have asked me just a little bit more questions that maybe I could figure out that it was a scam. She said no, that we don't pry into your business. I said for XXXX $ you should pry. It's not like it's XXXX XXXX So I feel the bank didn't try to protect me at all and didn't even mention what I was signing and that if she would have said read through these 3 pages, that there were 3 or 4 examples of a scam and what to look out for. If she would have pointed that out to me at all that I would have easily figured it out and all this could have stopped right then and there. But she must have been in a routine and not bothered with that.
Company Response:
State: WA
Zip: 98338
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Getting the loan
Subissue:
Consumer Complaint: I just received an adverse action notice of denial due to unable to verify identity after I've submitted every verifiable document on my application. Also, being denied with XXXX FICO score which violates 1002.7 denial credit to a credit worthy applicant. How was I denied? When I'd verified my identity?
Company Response:
State: MO
Zip: 63121
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Applied for a mortgage loan and locked in an interest rate in XXXX after getting a pre-approval letter and having an offer accepted on a home. Was not told during the pre-approval process or anywhere during the start of the loan application process that I had the option of waiving escrows to reduce my closing costs. After receiving my first loan estimate, was told that I would need to produce additional proof of " reserve '' funds to be available at closing in order to get through underwriting. At that point, asked if waiving escrow was an option and was told by the loan officer ( XXXX XXXX, XXXX # XXXX ) that this was an option, but he would be 1 ) taking away a " lenders credit '' and 2 ) adding a new " loan fee '' in retaliation for my waiving escrows. This loan fee was NOT mentioned anywhere on my initial loan estimate, the revised loan estimate, or the initial closing disclosure ( the latter of which also had a number of other accounting inconsistencies ). Two days before closing ( XX/XX/XXXX ), I still have not received an updated closing disclosure and have not been given a justification for why they are adding this NEW loan fee that they did not previously disclose on paperwork anywhere before. Extremely unprofessional experience dealing with XXXX, who lacks attention to detail, and KeyBank, who have added new fees out of nowhere, without disclosing all my options at the start of the loan process.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Two of my checks were stolen from a postal mail box and altered then cashed for a total of {$7200.00}. I notified Key Bank and filed an affidavit stating that I did'nt maintain a check register so I was'nt positive about the original amounts or the payees but I was positive that I had'nt written them for that amount or to the person who cashed them. I filed a police report as I was instructed and followed up with both local and New York State Police. Initial I was told it would be approximately 90 days before I received my money. I contacted the Key Bank fraud dept. only to be told it would be 90 days from the time they referred the matter to XXXXXXXX XXXX ( Where the fraudulent checks were cashed ) On XXXX XXXX the New York State Police arrested the suspect and charged him/her with Possession of a Forged Instrument, Grand Larceny 3rd. I notified Key Bank fraud and spoke with XXXX and was then told my claim was denied because I did'nt maintain a check register as proof. I ask why I was'nt told this initially and that the suspects arrest should be proof of the fraud. The answer I got was too bad better luck next time ... .....
Company Response:
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: To Whom It May Concern : I am writing to file a complaint against KeyBank for their failure to provide adequate notice regarding why my funds were being held and their failure to assist me in accessing my funds in a timely manner. As a result of their actions, I have experienced significant inconvenience and financial hardship. On XX/XX/XXXX at XXXX XXXX, I deposited a settlement check ( XXXX XXXX ) payout from my attorney 's XXXX bank account at the Key Bank branch in XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, Ny . The teller informed me that funds would not be available immediately but possibly 24 to 48 hours. {$100.00} was made available by XX/XX/XXXX at XXXX XXXX., but it was no longer available by midnight on XX/XX/XXXX. When I contacted KeyBank customer service, the representative found no notations on the account or listed reasons for the lack of availability. When I went to the KeyBank branch in person, they told me that nothing could be done to make the funds available. I requested to speak to a manager and was given a phone call to speak to XXXX who worked in the XXXX Department. XXXX stated that the funds were on hold due to fraudulent precautions, but no attempts were made to rectify, assist, or expedite in any way the clearance of the check. XXXX did not provide his full name and did not show any concerns for my urgent matter. Following the conversation with XXXX, I was emailed a notice from the bank that seemed discriminatory and was not provided despite multiple requests for answers. I believe KeyBank failed to provide adequate notice to me regarding why my funds were being held and failed to assist me in accessing my funds in a timely manner. As a result, I have experienced significant inconvenience and financial hardship.
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A