Date Received: 2022-08-10
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Ex wife opened up bank account fraudulently in my name as a means of retaliation for ending our relationship. She knows my social security number as well as all other information, her maiden name is XXXX XXXX. Her last known residence to me is XXXX XXXX XXXX, XXXX XXXX, NY, XXXX. I believe this person has stolen my information and used it to open accounts fraudulently because she has made threats to do so in the past. First a key bank account was opened to commit unemployment fraud then an XXXX checking out.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10301
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was trying to sell my desk on XXXX XXXX. This guy says he's interested and also asks for other household items I don't want that he could purchase from me. He ended up wanting a bluetooth speaker I had and we agreed on him to pay me {$170.00} for the desk and the speaker. He said that movers were going to pick the stuff up from my place, and he sent me a check that I would use mobile deposit through KeyBank for. He sent me {$990.00} - {$170.00} of which was for me, {$820.00} was meant for me to pay to the movers. I would XXXX a XXXX XXXX through my KeyBank app once the check cleared and the money was in my account. I completed this payment of XXXX over XXXX days, on XXXX {$500.00} ( because that was the limit which I could XXXX in XXXX day ), and {$320.00} on XX/XX/10. My account is currently - {$310.00} in available balance and the check, though it initially was cleared, was being returned to me. I spoke with the bank via chat and subsequently over the phone, and the XXXX support team advised I go to the authorities with this information ( as they told me I can not receive fraud forgiveness or a refund from XXXX ). Please advise on what I can do to help this! I hope you have a good day, XXXX
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I dont owe keybank no money ive been calling them and they sent me to consumer reports i cant even open a checking account. I had gave access to sumbody thats why my account got closed but i never owed a {$1.00}
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2022, I placed a delivery order through XXXX from XXXX XXXX XXXX XXXX XXXX. The food that I received was incorrect, burnt and missing items. I did not get the dressing for my salad, my " cheese rolls '' were burnt black, the calzone was soaked in garlic butter, my pizza was supposed to half cheese, half veggie with no mushrooms, and it was all veggie and did indeed include mushrooms. I contacted XXXX and they said that there was nothing that they could do. I contacted XXXX XXXX XXXX multiple times, and they have not returned my messages. I filed a dispute with my bank, ( KeyBank ), and they issued a preliminary credit, but ultimately reversed that. I spent {$54.00} and {$9.00} through XXXX on this transaction. I disputed both charges with my bank. I have photos of the food, my receipt from XXXX, and my chat conversation with XXXX that proves that I did not get what I ordered and that XXXX refused to do anything to make it right. No one is willing to fix this situation. I just want my money back, because I didn't get what I ordered.
Company Response:
State: OH
Zip: 45322
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX I was contact from key bank about fraud on my card. I called the costumer service and was transferred to a number with a case number XXXX. I gave my information to resolve the issue. When I tried to order a new card the phone hung up and the voicemail message that was left disappeared. I cant get in touch with key bank. I took a picture of the XXXX number and searched with turned out to be a robo scam.
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I had XXXX charges come out of my account on XX/XX/XXXX. On the second in morning two of those charges came out one for XXXX dollars and XXXX for XXXX, my account only had a few dollars at the time. So I was hit with two over draft fees of XXXX dollars. I called later that day and said I apologize but I came from a bank that didnt do overdrafts I forgot that was a thing, they said they could remove one which I agreed. They said if it goes to long without bringing balance up I will incur another fee and I said I get paid in a few day on Friday. The next day another autopay charge was taken I was charged another XXXX dollar fee and they hit me with a XXXX dollar tier 2 overdraft fee. Im just trying to figure out how someone with no money is supposed to bring their balance up when they keep tacking on fees, the bank I am talking about is KEYbank and they ended up charging me when all was said and done approx XXXX dollars in 3 days for overdrafting XXXX dollars through XXXX services.
Company Response:
State: NY
Zip: 134XX
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Local branch of KeyBank closed in XXXX XXXX, Ohio in XXXX and was inconvenient to me to travel to the next closest branch and I wanted to consolidated multiple different bank accounts. Withdrew all my fund out in XXXX and proceeded to close my savings ( XXXX ), however checking could not be close due to a the pending transfer of fund out. Returned 5 days later after pending transfers finalized to close my checking account at the XXXX XXXX branch. I thought my checking account was closed following that visit. I proceeded to shred my debit card and check pad. Last week, 2 months after I thought it was closed, I received notification it was still open and now overdrawn due to monthly service fees. I went to the XXXX XXXX branch on Sat XX/XX/30. The representative at that time was able to cancel the XXXX service fee but not the XXXX. Today with no resolution seen, I called Keybank but the representative over the phone was unable to waive the maintenance fee or close the account.
Company Response:
State: OH
Zip: 43212
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My Key Bank Mastercard number was stolen by a XXXX sponsored XXXX user. His card was used to purchase {$1900.00} of electronically delivered XXXX games. A fraud claim was filed with Key Bank and the card was cancelled. A police report was filed with the XXXX XXXX Police Department and the XXXX CA police department. XXXX provided extensive research to Key Bank identifying the thief by providing his gamer tag, console ID, IP address and billing address in XXXX California. Key Bank advertises XXXX XXXX XXXX XXXX for their Mastercard. Our situation proves this advertisement to be false. Despite the evidence from XXXX and our fraudulent claim, the bank paid the FRAUDULENT charges and CLOSED our claim. We were notified of the decision by mail WEEKS later. I am unsure how or why someone at Key Bank has the authority to spend their clients money, but it is exactly what happened. Key Bank advised they would not re-open, re-evaluate or re-open another claim to assist in a refund. We were advised to work with XXXX. Our efforts with XXXX, a multibillion dollar company, have fallen on deaf ears. Multiple hours of aggravation have resulted in no refund. XXXX isnt concerned with customer protection. They have confirmed the charges are fraudulent. They have visibility to the thiefs profile and wont take simple action to shut down the thiefs game utilization. I used the search engine XXXX to view the thiefs profile and activity ( which was paid for by my son and many other users ). The thiefs account was made within a four month period and was able to buy XXXX games with added packs and in game credits. XXXX encourages and rewards this behavior knowing it is a federal offense. Clearly XXXX accepts this behavior and does not penalize the thief or hold them accountable for fraud with XXXX. Who knows, maybe its a XXXX employee who has access to the profiles and sells the information. I would not encourage any XXXX or XXXX account holder to enter a credit card number into their profile as XXXX places you at risk and sponsors this type of behavior by their lack of resolution action. I advise to purchase pre-paid cards for any online gaming purchases to be safe. I was advised by the XXXX XXXX Police Department that we lost our leverage by paying the Key Bank XXXX. The police department advised I should not have paid the credit card and let Key Bank sue us for the fraudulent charges. I am left with zero resolve and am out {$1900.00} due to poor customer service and praising criminal behaviors.
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Three months ago a overdraft was deducted from my payroll account in the early XXXX hours. The very same day @ XXXX I walked into key bank in XXXX XXXX, PA XXXX with a credit Union check to deposit it into my account. Afterwards I was told it will be froze due to the negative account previously. The negative was taken care of 8 hours before submitting the check. The hold lasted over 10 days counting the weekends and not just the 5 days explained. I was not awarded the 4 hours after XXXX XXXX the day of which made it ( 2 ) weekends. All this started late fees on other bills creating additional charges I was forced to pay, causing more overdrafts later. Fast forward going from paycheck to paycheck I paid {$300.00} to fix account again only to find it worse. I have been a victim of this from XXXX XXXX, XXXX XXXX, and now KEY BANK. I was not even part of the settlement now have no income to deal with this.
Company Response:
State: PA
Zip: 15221
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I have signed up for alerts on my Key Bank checking account. They are almost instantaneous. Deposit alert, large transaction alert, low balance alert, etc. The " Insufficient Funds '' alert arrives in my inbox two days after the event. This way the bank can maximize the overdraft fees. This specifically happened to me when my balance was not sufficient to cover a transaction on XX/XX/22. Even though I had deposited a personal check to increase my balance, I was unaware of the bank 's policy to place a hold on the portion of the deposit that is over {$100.00}. In fact, I received a misleading alert that a deposit in the amount of {$300.00} had been made to my account. The bank really should have a disclaimer on that alert saying that certain deposits may be held for amounts exceeding {$100.00}, but if they were transparent that could limit their chances to make millions or billions in overdraft fees. Just the fact that they place holds on local checks seems to be designed to create negative balances. On XX/XX/22, two days later, I received the alert to notify me that my account balance was insufficient. This is also by design. THIS SHOULD BE ILLEGAL!!!
Company Response:
State: OH
Zip: 44512
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A