Date Received: 2022-05-05
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I purchased my home XX/XX/XXXX with XXXX XXXX XXXXXXXX. The previous owner died in XXXX and her children sold the house. Previous owner defaulted on a XXXX loan with Key Bank and now Key Bank is now coming after my house pursuing foreclosure process because of the defaulted loan. I am experiencing a lot of stress because all of the letters that I am receiving about the foreclosure and letters telling me to file bankruptcy and taking my property. I contacted XXXX XXXX and my title company said they paid Key Bank for the lien before I closed. Key Bank is saying they didn't receive the payment. Key Bank have tried to serve me & now sent certified letters to me and both my lender. I need help immediately to stop this process of taking me & my children 's home.
Company Response:
State: OH
Zip: 44111
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: On XXXX XXXX, I attempted to withdraw cash from my Unemployment Debit Card contracted with KeyBank from a KeyBank ATM Machine. Because of the amount {$1200.00}, the ATM Machine would not allow me to make a withdrawal. I went inside the KeyBank and asked a employee to withdraw cash and put it in my KeyBank checking account. The employee made a cash advancement from my debit card. During the transaction he was impatient and attempted to stop the transaction and doing so attempted to backed out of the act. The system process the advancement before backing out and the person said that I was at fault. I asked him to give me the cash that was withdrawn, and he refused. He then recruited his manager to assist. She looked at his information online and saw that the transaction was done. The manager told me that I had to wait until the transaction showed up in the employees teller which would happen at the closing of the business hours and I should return the next day. When I returned the next day the money was supposed to have disappeared and when I requested the money that was withdrawn from my debit card be giving to me, the manager refused. The employee instead called the debit card company and started a dispute. The policy for disputing a transaction is 7 to 10 business days to get to be reviewed. Meanwhile I am forced to wait to get money that belongs to me and was withdrawn from my card account. My car payment is late, and my credit card payment is also late. Im forced to pay my rent late, with an extra fee because its late. I was forced to pay my phone bill late as well. Im receiving unemployment and this act has caused unnecessary stress, and hardship for me and my family.
Company Response:
State: WA
Zip: 98115
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: In pursue of Class-Action Law suit against, Key-bank engaged in deliberate and unfair, unlawful fraudulent practices the company prestigiously relied on the likely-hood that wouldn't be fair to pursue rights. This has been a ongoing violation that the consumer financial protection bureau failed to identify valid proof of customers address on file, from Key bank who has failed to retrieve customers demand of funds retracted. Upon reexamination you will find serious systemic deficiency 's upon key bank responding The Consumer Finance protection bureau overlooked again, after the 2nd evaluation, XX/XX/2021 pertaining to the legitimacy of validation, both parties not having the correct address on file the reexamination started XX/XX/2021 for the third time upon reopening key bank verified that the account had not been updated with the correct address Key bank associate I.D . XXXX. Key bank and The Consumer finance protection bureau failed to conduct adequate due diligence on its customers. Me as a member find it humiliating and deceptive to gain my trust with secure and confidentiality. As a result my file lacked basic identification and verification of identity regarding the books and input of the claim type. Violation of laws and regulations Key bank failed to maintain and make available true and accurate books, accounts, and records reflecting all transactions and actions.
Company Response:
State: NY
Zip: 13601
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was offered a settlement in full offer of XXXX dollars by XXXX XXXX XXXX XXXX XXXX for my account from key bank that I paid over the course of XX/XX/2021 to XX/XX/2021. They then said to the original creditor that I defaulted and now my supposed debt is at XXXX XXXX XXXX and is almost XXXX. I need help please.
Company Response:
State: ID
Zip: 83687
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On Friday XX/XX/XXXX at XXXX I transferred {$500.00} via XXXX from my XXXX checking account to my Key Bank checking account as I have done several times in the past. I received an email confirmation from XXXX that the XXXX was successful and the {$500.00} was immediately taken from my XXXX account. I did not receive an email from Key stating that it had been received. I called Key Bank that morning and during my initial call a young lady first said that they have been having some issue with XXXX that morning but after a very long hold time she said that she saw no XXXX transfer and that my issue had nothing to do with the issue they were having that morning. She instructed me to go back to XXXX. I called XXXX and they told me they have confirmation that it was sent and accepted by Key Bank and to go back to them. After multiple calls back and forth between the two banks and several hours of phone calls, long hold times and different departments I was told to " wait and see if it shows up in a few days ''. Today is Monday and I still have no record of my {$500.00} other than the receipt showing it was sent from XXXX XXXX. I also called XXXX but was told it had to be resolved between the banks. Can please please someone help me???
Company Response:
State: PA
Zip: 19426
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Essentially, my credit score took a nose dive in XXXX as I was in the process of searching for a new home to buy. I discovered a student loan lender, KeyBank, has filed a charge-off of {$62.00} from XXXX, but only reported it in XXXX. In XXXX, XXXX, I attempted to contact KeyBank to resolve this mistake and fix my credit. Having paid-off all my student loans in XXXX or XXXX, I do not have any documentation from those loans. I provided the information that i did have over the phone to " XXXX XXXX '' who is supposedly the highest level of complaint at KeyBank. On XX/XX/XXXX, XXXX sent a letter saying that I owed {$62.00} for some loan origination fee from XXXX with no proof or documentation ; merely a cursory two line statement with nothing to back it up. I took out my loan in XXXX and paid them off in XXXX or XXXX. I requested all available information and any documents. To date, XXXX has not only refused to provide any documentation, she has refused even the courtesy of accepting my phone calls or returning. In fact, over the weekend, XX/XX/XXXX, I received a letter from XXXX stating that a response to my inquiry was enclosed. There was not attachment, only a reference in the latter to the XX/XX/XXXX, letter. In early XXXX, I submitted a separate request to XXXX for additional information. In a letter dated XX/XX/XXXX, I was provided with the promissory note information from XXXX. Nothing from XXXX or from XXXX.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XX/XX/2021, I signed up for a secured credit card with Key bank at the time I spoke to an agent about why I was opening the card at length. I stated that I was going to use the card exclusively for bills and some small purchases but I would be using the majority of the available funds monthly due to it needing to be used for bills. I was told the card would be reviewed in 6 months, XX/XX/2021 and as long as I kept a low balance on the card or zeroed it monthly, I would be given back access to the funds that were put into a savings account in order to start the card. I was told it would build my credit to have both accounts and that as long as I successfully paid the card off my credit score would go up. I expressed my intention was to be eligible for increasing lines of credit such as car and home loans in the future. The card is now negatively affecting my credit score due to a high balance when I use it even though that balance has never carried to the next month and the card has always had a XXXX balance at the end of the month. I have been contacting the bank since XXXX of 2021 with nothing but halfhearted apologies that the agent shouldn't have made those promises. They refuse to fix the situation and I have no way of being able to access those funds or close the accounts without further damaging my credit the exact opposite of what I spoke to the agent about. Key bank has even gone so far as to just hang up or just disconnect the chat when I use the online feature. I did inform them I intended to submit a report in XXXX of 2021 at which time they stated a higher manager would reach out to me. He did so at a time when he intentionally knew I would not be available even after I clearly stated my availability and then refused to return my calls. When I called to receive help most recently and voiced my complaints about these matters my accounts were made so I could not and still can not use them. I was told that there was no issue with my account or cards and that there was nothing that could be done. The agents transferred me four times to four different people none of which could make any changes or allow me to use my cards. Upon finally speaking with an agent who was in charge of the investigation I was told the matter Was dealt with internally. '' about the false promises the agent made to me and they have no intention of making any changes to my account. He even went so far as to attempt to discourage me from filing a report resorting to the classic manipulation technique of telling me how we wouldnt be able to talk anymore about finding a solution and when I informed him of being aware of his attempted manipulation and how it had failed, he became hostile. The agent was completely condescending refusing to do anything and constantly talking down to me, and then disconnected the call when I told him I refuse to be spoken to like a child
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: Keybank has repeatedly put the responsibility of obtaining title to a loan / lien that was paid in full for both a boat and a trailer. It is regulated by the FDIC and the FTC as well as state governing banking agencies to release the lien on a paid off loan and provide proof. It is also law to have a registered agent for service when you are an employer. That RA does not have to be in the state doing business, it is the representative of the company, and we now live in Indiana. Your company will have to travel here when we sue you. We are going to complain to the FDIC, the FTC and your state banking commissioner as well as re open the CFPB complaint and expect monetary compensation for the process of trying to calmly and legally obtain legitimate documentation for title to the trailer for which you provided a loan. If you transferred this title then you need to provide that information as we have not received it, the original note ( attached ) shows you provided financing orginally for said trailer. Why are you not able to provide the title? You stated on the phone that we have to go to the state of California to obtain title, but you said the option has " expired '' in your letter so which is it? How this complaint is now not the same is you are putting the responsibility on us, the consumer, to obtain title for a trailer you financed and admit you did not provide final title and release of lien for, that is illegal. Before we simply asked for the title but now stating there is an expired timeline falls to you as well as if you sold this loan we were not notified. We demand all documentation of that sale, for the title of the trailer as well as your registered agent information in the state where you hold your company licensing, as well as the title for the trailer. If we can get it from California so can you. Since we were not notified of this change of title / ownership of the loan we expect due process from your company. As well, how are we to research this new loan / lender without information from you : i.e. no new loan number, no address, no name, no reference to the trailer? Since we paid the loan off after moving to Indiana you had our new address, we also had a forward from our old address and are friends with the new owners who have mailed us mail that did not forward. There is simply no excuse for this behavior or the fact that you dropped the ball, likely sold the loan, did not inform us and now are trying to place blame on us. Due process and normal course of business require you to act in good faith. We will not go away and the complaints will escalate and become bountiful.
Company Response:
State: IN
Zip: 470XX
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My name is XXXX XXXX. I am a real person. I am not a credit repair team. I have been handling my responsibilities and Ive come across people that have made it harder for me by violating my federally protected rights. Ive been harassed, threatened and violated by this company about debt that i do not owe. They have communicated with me without my prior consent through emails, mail, and calls. They have annoyed me. I sent a letter to keybank asking for : Validation of the debtthat is, actual accounting. Verification of their claim against you ; that is, a signed invoice. A copy of the contract binding both parties ( you and them ), in a letter by Certified mail so that there is an independent witness to it having been delivered. However, according to 15 U.S.C 1692e, 15 USC 1692d,15 USC 1692c, and 15 USC 1692B Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Not use any language or symbol on an envelope or in the contents of any communication effected by mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of any debt. not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such person not communicate by post card And Also, According to 15 U.S.C section 602 A states i have the right to privacy. As well as 15 U.S.C section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written consent. This company has violated each and every one of my rights and i demand they pay monterey relief and remove the account from my credit report.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XXXX XX/XX/XXXX I received an email from my XXXX account. It reported that my file had been opened even though I had the file locked. I called XXXX and an agent informed me that I should change my username and password. My account had been opened and my data compromised. No one has my password except me. Several credit report requests had been made while the XXXX account was opened. XXXX placed a fraud alert on my file, but a XXXX and XXXX report had been sent out even after the account had been locked and the fraud alert placed on my account. Credit applications were made in my name at XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX and KeyBank. In addition there was a checking account opened in my name at KeyBank. How does this happen without personal presentation of a valid ID or drivers license at t report he bank? Moreover, how did XXXX supply a credit report to KeyBank well after the XXXX fraud alert was placed on my record? XXXX also supplied a report after the XXXX alert. I thought they shared information. I have filed a police report.
Company Response:
State: MI
Zip: 497XX
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A