Date Received: 2022-06-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am one of millions of Americans who is having difficulties managing in the current, economic situation, especially because we are a one-income family due to my spouses unemployment. Can you imagine how much harder things became for me when a check I mailed out to pay a bill for {$75.00} was altered to a much higher amount of {$6500.00}? When I discovered on XX/XX/XXXX that several checks I mailed had not been cashed, I brought it to the attention of the post office on XXXX XXXX. Three checks ( dated XX/XX/XXXX, see copies of the carbon duplicates attached ) that were mailed on the same day from the same mailbox ( XXXX and XXXX XXXX in front of XXXX XXXX XXXX XXXX XXXX ) had not been cashed. I asked the desk clerk at the post office to have someone check into that mailbox as I thought the carrier for that location was failing to pick up mail. The post office employee said nothing. I asked him to please bring it to the attention of his supervisor. At no point did he say I could file a complaint with the postal inspection service. As I left the post office, I dropped off replacement payments into a mail slot for the debtors who had not received the payments I had mailed on XX/XX/XXXX. I went to purchase groceries on XX/XX/XXXX and my debit card was declined. I knew I had enough money to cover the {$20.00} in groceries that I went there to purchase. On my way home, I opened my KeyBank app and it showed two overdraft fees and a deposit for {$6500.00}. I had no idea what that deposit was, but I was sure it was a bank error. I called KeyBanks call center and they advised me to go to the local branch on XXXX XXXX in XXXX XXXX to see what was going on. I rushed over to the branch, because it was near closing time. The teller said she knew nothing and couldn't tell what the deposit was. She then asked, " Did you write a check to someone for {$6500.00}? '' I assured her that I had done no such thing. Why would an attempted withdrawal show as a deposit? The bank had not sent me any notification that a large withdrawal was attempted, and I had enabled that setting. All the teller told me is that it was check # XXXX that had been written for {$6500.00} ( see copy of bank letter dated XX/XX/XXXX, 2nd page of letter shows check # XXXX is for {$6500.00}. ) To make matters worse, the bank returned some of the checks for smaller amounts that could have been covered with the balance I had. With no further information, I went home to look up check # XXXX since I have carbon duplicates of all the checks I write. Check # XXXX was written on XXXX check to the XXXX of XXXX XXXX XXXX XXXX for {$75.00}. I then realized that this check was one of 3 checks missing from the payments that were never cashed that I had dropped at the mailbox on XXXX and XXXX streets. The bank did not give any proof that such a check had been submitted for withdrawal. I could only surmise that the check I wrote to the XXXX of XXXX XXXX for my taxes had been changed to a much higher amount ( and maybe to a different payer? ) I then checked my phone and I saw a message from a number that I did not recognize. There was a message from someone named XXXX from KeyBank about my checking account from the XXXX branch. I discovered the message in the evening, and the bank was closed by then. I returned the call in the form of a voicemail to XXXX using the information that the XXXX XXXX branch had given me about a check for {$6500.00} and reassured him that I had made no such transaction. Normally, I do not answer personal calls at work unless it's an emergency. I was having a particularly busy week since my supervisor was out and the duty of finding coverage for absent teachers had fallen to me during a particularly busy week. I spoke to XXXX XXXX the next day and he directed me back to my local branch on XXXX XXXX to have the overdraft charges removed and to close the account and transfer the balance to a new one. He made it seem like a hassle-free process and was very respectful of my situation. I followed XXXX 's advice and visited the XXXX XXXX XXXX XXXX branch. Once I was at my branch, I spoke to the same cashier who I had visited a day earlier and who looked into my account. I asked her to close my account, waive the fees and give me a new account. She said that she couldn't waive my fees because my account was on hold ; furthermore, she couldn't close my account and transfer the balance because only the branch manager could do that, and she was busy with another client. I could only close the account and transfer the balance during business hours if I made an appointment with the branch manager. I told her that I could not miss work on this critical week to transfer a balance. She told me to sit down and wait for her to remove the hold and reverse the fees. While I waited, I went online and opened a new account over the internet. I took whatever checking plan it defaulted to so that I would at least have a new account to transfer my balance to since Branch Manager was not going to help me. After waiting for roughly an hour and a half the cashier who was trying to remove the hold and waive the fees, lost interest in me and tried to hand me off to another cashier who was even less interested in helping me. Between them, a cashiers check was issued for the balance of the account that was going to be closed so that those funds could be deposited in the new account I opened for myself over the internet. Eventually I walked out of the bank with a receipt showing a balance in the new account. The former account was not closed at that time, but the bank sent a confirmation dated XX/XX/XXXX that they were closing the account. The next day I had to cancel the direct deposit of my payroll check to the former account ending in XXXX. The waiting period started for a new debit card and checks. My employer would not allow me set up a direct deposit without a voided check. In the meantime, I received in the mail on XX/XX/XXXX my payroll check which I deposited using a mobile app and the funds were made available the next day. The debit card and checks eventually arrived and I tried to resume normal life. My debtors questioned why I was late paying my bills. I was also concerned that the city would tow my car because the check Id written to them was stolen and they could tow my car, impose tow fees, and my car could possibly be damaged in a towing lot. I used my new debit card to pay that online. My next paycheck arrived on Saturday, XX/XX/XXXX, and I deposited it using the mobile app. This time however, my payroll deposit confirmation was followed by a message that check will be on hold for 7 days : REASONABLE CAUSE TO DOUBT COLLECTABILITY : Deposit monitoring processes identified an area of concern that indicates the item may not be paid. ( See email dated XX/XX/XXXX from KeyBank. ) So, basically, after I had been the victim of someone who stole a check and wrote it for a large amount, I was being penalized despite the fact that the check I deposited was a payroll check from the City of XXXX XXXX ( see copy attached ). Monday morning XX/XX/XXXX, I called KeyBanks call center to request that my funds be released given that the deposited check was a payroll check. I was told to call the XXXX XXXX, XXXX XXXX branch. I called the XXXX XXXX branch and the automated message said that " no one was available right now and to leave a message. '' I called the XXXX XXXX branch again and I spoke a teller and asked them to please release my funds. I was told that XXXX ) the hold was my fault for using a mobile app to make a deposit ; XXXX ) and making such a deposit on a weekend ; XXXX ) she could not remove the hold ; XXXX ) that no one could remove the hold ; XXXX ) there was no manager at the branch. I was then advised to call the XXXX XXXX branch manager. I called the XXXX XXXX branch manager as instructed and her phone said that " she was away on the XX/XX/XXXX but would return on the XXXX and to leave a message and to call another number for immediate help. I then called the number she gave as a number to call for " immediate help. '' I explained to the person that I was the victim of someone who tried to use my account. The person told me that she could not remove the hold ; that no one could and that there was no branch manager. I called the call center number again and the person told me that releasing the funds was at the discretion of the bank. I asked her name, and she gave me only the first name, which was XXXX and no other information. She asked me to wait while she escalated the call only to disconnect me. I later found a voice mail message from phone number ( XXXX ) XXXX from a XXXX XXXX that was left at XXXX pm who promised to help me get the funds released in a shorter amount of time. He said he was a manager in training and would look into it and would call me tomorrow morning. As of XXXX pm, my payroll deposit has not been released. As I read the results from XXXX about KeyBank " Today, KeyCorp is based in XXXXXXXX XXXX and we are one of the nation 's largest bank-based financial services companies, with assets of approximately {$180.00} XXXX, '' I know that KeyBank can XXXX {$920.00} to a mom from XXXX XXXX who is just trying to pay her bills and pay the loan on her XXXX XXXX so that the lender doesn't repossess it for having missed XXXX payment. Your bank is not going to go under from releasing {$920.00} from a reliable depositor like the XXXX of XXXX XXXX. When you decide that you can hold my paycheck and deprive me of my earnings for a week for no justifiable reason, you are showing no respect for me or for my work. I get up in the morning at XXXX am so I can be at work by XXXX am. I have to make sure that all 1600 students at the local public school have a teacher in each classroom and on time. I have earned that pay and you have no right to withhold it from me or my family. Your bank isnt going to go bankrupt because I get the {$920.00} that I earned. I know that you like getting paid for the work that you do and at a higher rate of pay. So please, dont deprive me of the little I get. This is what concerns me about my experience : 1. Inability of bank executives to understand that victims of identity theft face real problems such as not being able to meet financial obligations while they are waiting for direct deposits to activated. A missed car payment can result in a vehicle being repossessed by a lienholder ; or a car to be towed for taxes owed to a municipality. 2. That KeyBank never provided any proof that someone attempted to deposit a fraudulent check # XXXX for {$6500.00}. Is the bank investigating the parties involved? 3. That I was never advised to report the incident to the police nor given the required documentation to file a police report. 4. That the post office took no interest when I notified them that there was a problem with a mailbox at XXXX and XXXX streets in front of a high school. I was never told to file a complaint. 5. That the call center never answered any questions or provided any solutions other than to telling me to contact my local branch. The call center didnt escalate my call but disconnected me. 6. That the XXXX XXXX, XXXX XXXX branch did not provide me any proof that someone had submitted a check for {$6500.00} and told me that no proof was available. 7. That there are no managers available at the bank branches or someone to whom complaints can be escalated and that the employees who are available are not authorized to help customers. 8. That there is only one person who can close an account and transfer a balance and that an appointment has to be made with that one person at their convenience. 9. That KeyBank finds it acceptable to hold a government payroll deposit for 7 days when the XXXX of XXXX XXXX is reliable and has not bounced payroll checks. 10. That KeyBank find it acceptable to withhold the earning of a person who has done nothing wrong and from whom someone attempted to defraud.
Company Response:
State: CT
Zip: 06511
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: To Whom It May Concern : I would like to lodge a complaint about the Key Bank Fraud Department. I have been attempting to resolve an issue for XXXX months. In the past XXXX months, I have called numerous times requesting to be updated on the status of my dispute, and each time an employee told me a note would be made to my account, I was assured someone would call me back but I never received one call back until two weeks ago. In XXXX I called to report 15 fraud activities on my card. At that time I shut my card down. I called Key Bank to report the fraud and I was told it would be investigated. In the meantime I was personally able to identify several of the charges came from XXXX, so I called the company directly to alert them as well and we spoke for a couple of hours. During this conversation XXXX was able to trace the order to a man in Arizona ; we had the name, address, what he ordered. Ironically the XXXX truck happened to be on the way to the address and was set to arrive within 45 minutes with the stolen items from my card. At this point in time, a three-way conversation took place with myself, Key Bank Fraud Department XXXX and the XXXX representative XXXX The conversation resulted in Key Bank saying they could not stop the truck or get the police involved but two weeks later Key Bank did indeed refund me the money for this particular fraudulent activity. In the next few months I called time and time again to inquire about the rest of my claims, the larger dollar claims. I was told a resolution specialist by the name of XXXX XXXX was handling the investigation. I was told the investigation was an ongoing international case that would take time to process. Due to the fact this was an amount of {$14000.00}, I was very concerned as it affected my ability to pay bills so I continued to call to check on the status of the investigation. Each time I placed a call to a Key Bank representative assured me they would inform XXXX XXXX I was very desperate to communicate with XXXX XXXX myself so I could give him the information of the man from Arizona who was responsible for the previous XXXX charges, as it seemed fairly obvious to me that the charges all came from the same person. I pleaded with the Key fraud department again and again to allow me to speak with XXXX XXXX or at least pass along my message. I unfortunately have yet to speak with XXXX. Around XX/XX/XXXX Key Back approved a final credit issue for the full amount of fraudulent charges. I waited a week for it to transfer into my account. Upon not receiving the credit issued back to my account, I called Key Bank to check on when that would happen. I was told at this time I was indeed NOT approved for the credit issue and I should expect a denial letter and I would have to investigate myself.. Please see attachment of denial paper. Every single day since I have received the denial letter I have called Key Bank at least twice per day attempting to speak to a supervisor. It took over a week for the return phone call which was from an XXXX XXXX, who said she wasnt sure how to handle the situation, would investigate and call me the next day, which did not happen. Eventually XXXX called me back one time but the conversation did not at all resolve my issue or questions. XXXX was unable to explain to me why my account currently reflects an APPROVED dispute when I also have a denial letter in my hand. I asked why I was issued a refund for the previous XXXX fraud but not the others, as they were all around the same time frame. I asked how is it that my card can be suspended for spending {$35.00} at my local XXXX yet a charge for {$7700.00} went entirely undetected out of the countryor how about the {$8000.00} that was spent in one day in the form of three separate charges in different location throughout the states? If they were working on this for months then why did they send me a denial letter stating we did not receive your inquire within the required timeframe to intervene in this matter with the merchant. Then why did they spend the man power for months if they already thought it was not received in the required timeframe. XXXX agreed it did not make sense. In the computer I was approved? She said. She did not have an answer for that, other than there must have been a glitch in the computer system. I asked for facts in the investigation like. Who did you speak with out of the country? Can I have names, phone numbers? What about the places in the US. They would never get back to me with any information. How do I know they even investigated? This ordeal has caused me great stress and suffering and late on paying my debts off. This is just too much money to loose. I own a small business and now I am struggling to stay afloat. I was not in a position to lose this amount of money. Not only do I put trust in my bank to protect me but I have been with this bank for over XXXX decades, so to go through this recent experience was a major disappointment. I do thank you for taking the time to hear my story and will be grateful for any guidance at all. Sincerely, XXXX XXXX
Company Response:
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: Every day of XX/XX/XXXX I have received calls from XXXX and XXXX claiming there was a problem with my KeyBank account ( presumably an old student loan that has been paid off ). XXXX XXXX I spoke with a woman who immediately requested the last 4 digits of my social. I curtly replied I was not providing any confidential information. She then requested my street address to " verify '' I was the account holder. I replied " no '' again. I then asked for a callback number and her name. She replied XXXX ( sp? ) XXXX, office # XXXX, and gave the callback phone number of XXXX. The calling number and the callback number both appear fraudulent. I called KeyBank using the phone numbers listed on their website and verified there is no problem as there is no account to have a problem with. CPFB or the FTC should revoke and disable the XXXX, XXXX ..., and XXXX ..., toll free numbers associated with this fraud group since toll free calling numbers give an air of legitimacy to the caller. The phone numbers have been operating since XXXX. It is an absolute disgrace to think the numbers are still active and being used to perpetuate fraud to this day.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX Key Bank went and escheated a Money Market account to the state of Pennsylvania. The amount escheated was {$6400.00}. I'm trying to retrieve the money from the state of Pennsylvania, but they have no records of the money. I contacted the bank and they said that a letter was sent on XX/XX/XXXX and XX/XX/XXXX ; however, we never got a copy of the letter. Now, the money is gone and we are not able to retrieve it
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-12
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Keybank Card Fraud Service XXXX, XX/XX/2022 Received {$190.00} charge on my credit card transaction dated XX/XX/2022, I have 0 description of what this charge purchased and I did not authorize this. I did not authorize anyone to order anything using my credit card number. I stopped in the local Keybank branch, talk to branch manager and filed disputed transaction. Bank sent me a new credit card with new account number. KeyBank also credited me a disputed amount of {$190.00}. Fine. But after few days I was charged again XXXX on new XXXX XXXX XXXX. Received mail from KeyBank with explanation bank says they found conflicting information and have reason to believe that the transaction in questions were in fact authorized. Consequently, the credit amount of {$190.00} to my account on XX/XX/XXXX has been reversed. I DID NOT AUTHORIZE ANYONE TO ORDER ANYTHING USING MY CREDIT CARD NUMBER. I Dont USE XXXX XXXX XXXX in last 13 months .No activities on this account. That card we keep in our safety deposit box in our house. According to advice local bank branch manager, called the listed merchant phone number and just got strange recorded message, and guy from merchant company told me they can offer me a reward 50 % of amount {$190.00}. Search internet and found XXXX. This is a HAIR SUPLEMENT product they sell. For old men like me XXXX XXXX XXXX I dont need anything like that hair supplement for young girls we never received any package and never ordered it. Seriously this needs to stop because if someone is taking this money or its taking my hard earned money and Im tired of it. I did not authorize this charge and I dont even know that it this. Called again for credit card company fraud dept. and lady promised me reopen case and she suppose send me email with new complain form. Last few days I check my email box and nothing heard from them. I have business with KeyBank almost 40 years, Im retired 4 years and looks Im easy target of scammers because my old age and broken language. Im afraid will be charged this month again.
Company Response:
State: OH
Zip: 44134
Submitted Via: Web
Date Sent: 2022-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am in the midst of a heartbreaking pending divorce. My husband had all of the financial information and went behind my back in initiating all of this, which didn't give me any time to prepare or protect myself. Anyway, I just looked at my credit reports today and noticed several unauthorized and unfamiliar soft inquiries described as " Account Review Inquiries '' and 2 " Credit Reports. '' I would just like to know what they are and who authorized them without my permission. If it was my husband, he most likely used my SS, birth date, etc. and went behind my back yet again, to gather all my financial data. I have a suspicion that our accountant who has all of my information because he just did our taxes, helped him. CPA, XXXX XXXX XXXX XXXX XXXX, WA -- he would have the ability to check credit. I reached out to XXXX and to KEYBANK -- They were unable to see what kind of review they have procured. XXXX - Unfamiliar/Unauthorized Inquiries of Concern : XX/XX/2022 XXXX, XXXX. - Account Review Inquiry XX/XX/2022 XXXX XXXX - Account Review Inquiry XX/XX/2022 XXXX XXXX XXXX - Account Review Inquiry XX/XX/2022 KEYBANK - ( my personal bank ) CREDIT REPORT XX/XX/2022 XXXX XXXX XXXX ( potential equity loan change right before he surprised me with divorce papers )- All other Prequalifications not listed XX/XX/2022 XXXX XXXX ( my personal credit card ) - CREDIT REPORT XXXX CREDIT REPORT : XX/XX/2022 XXXX XXXX - It doesn't give a description other than " Requested On '' The others like XXXX XXXX XXXX XXXX ( my husband has an account ) and XXXX XXXX -- those may just be promotional inquiries. I'm tired of him going behind my back. Please confirm what financial entity has authorized these inquiries and what they even are! Thank you, -XXXX
Company Response:
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2022 someone made a deposit into my back account of XXXX. I looked up the company and it said it was a loan company. The number is XXXX. I looked up the company it said it was a scam. I never took out the loan. It also stated on line that they deposit money and then start taking money from account. I called the company and they would not discuss it. I'm furious that they did this. It has caused pain and chaos in my life. The time it takes to fix everything is crazy. Thank You, XXXX XXXX
Company Response:
State: AK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have contacted this company repeatedly with questions or concerns with zero response back. I have complained to the executive team who does absolutely nothing and doesn't listen. I've complained multiple times now that nobody responds when i try to contact them. Nothing has been done. XXXX with the executive team does nothing and this has occured twice now. I asked him to contact me when he fixes issues and I haven't heard back from him. I've filed a formal complaint against him and KeyBank has done nothing. Not communicating with customers, especially loan borrowers is not ok. I don't think this company cares about customer service and certainly lies when they say " someone will contact you shortly '' on their site after filling in the contact form. This is false advertising and failure to address customer concerns regarding a mortgage. KeyBank refuses to respond to me at all.
Company Response:
State: NH
Zip: 035XX
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I filed a recent complaint against KeyBank on XX/XX/2021. ( refer to # XXXX ) I called to confirm the issue was taken care of. I was told by 2 different people at KeyBank that the issue was closed and I owed nothing. A couple months later I got another email saying I owed and was responsible. That I needed to call XXXX and XXXX airlines to settle the issue! They couldn't contact XXXX as they were a third party and they couldn't contact them directly. So I need to contact XXXX and get all transaction information. That is not my responsibility! that is the responsibility of my financial institution to do their job and take care of their clients! This is a fraud case! Money was taken from my account without my knowledge or authorization! AGAIN, I am filing a complaint to have KeyBank take responsibility for their lack of professionalism and settle this issue! I am not responsible for the fraud against me! I do not owe this money!
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX was diagnosed with XXXX in XX/XX/XXXX. He was impaired at the time of the scam described here. Scammers stole our money, and then Key Bank made us pay it back. XXXX writing for XXXX : On XX/XX/XXXX I received an email invoice for {$450.00} for five ( 5 ) licenses of XXXX software from someone purporting to be a XXXX employee. When I called to tell them I dont have 5 copies of the XXXX XXXX, they told me they would refund the money, and persuaded me to grant them access to my computer so I could enter the refund amount. The next day, that same person called in a panic telling me that he had erroneously refunded me around {$45000.00}, and that he urgently needed me to wire that money back to him. I saw the amount in my checking account, promptly agreed, and wired him the $ XXXX. Then, the day after that I received another urgent instruction that the money had not gone through and that he needed to try a smaller amount. He said he had refunded {$42000.00} of the previous days money, and he needed me to wire that. I saw that purported refund in my account I sent a second international wire of $ XXXX. The scammers had hacked me, installed spyware/malware on both my computer and phone. They had transferred money from my XXXX XXXX XXXX to my checking account, so when I checked the bank, I saw extra money that they claimed was due to them. I did not realize that it had come out of my HELOC. Each was sent via international wire transfer to a bank in XXXX. I immediately reported the fraud to Key Bank. Key Bank responded by freezing my checking account. My checking account balance was, as usual, several thousand dollars. My HELOC balance had been fraudulently run up by the $ XXXX. Within a few days, Key Bank, with neither permission nor prior notification, debited my checking account by {$87000.00} and reimbursed the defrauded line of credit ( secured by my house ). They protected their secured loan, and overdrew my account to do it. Despite numerous calls to Key Bank to get information and status reports, their responses have been conflicting reports and endless time on hold waiting to be transferred to yet another department in the bank. They say that the fraud claim investigation is ongoing, but they have put us in collections for the overdraft. They offered us a mortgage on our house, and having no viable alternative, we accepted that. We now not only have lost the $ XXXX, but we are forced to pay {$830.00} a month for a mortgage. This situation is outrageous and untenable.
Company Response:
State: WA
Zip: 98312
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A