Date Received: 2022-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I XXXX XXXX am submitting this complaint on on my behalf there is no this party involved. This complaint is to serve as a second and final notice prior to arbitration of KeyBank failure to acknowledge receipt of my billing error that was sent and delivered to the company on XX/XX/XXXX. 2022 ( Exhibit Attached ). Not only did KeyBank fail to acknowledge my billing error dispute after conducting my own investigation on my most recent consumer report as of XX/XX/2022 I found a numerous amount of inaccuracies and violations of the FCRA. The furnisher Keybank is furnishing inaccurate and incomplete information which is a violation of XXXX XXXX XXXX. This information is inaccurate and I demand the appropriate corrections be made. Failure to respond or resolve this matter in the attached exhibit you will find my pre arbitration demand letter in which I will not hesitate to initiate shall you not comply any farther. The failure to correct the billing error on my account along with the adverse actions taken by the Keybank in which should have been arbitrated if there was ever a dispute amount any amount owed. I have reason to believe and do so believe there are misapplied credits and I have suffered injury due to KeyBank being deceitful about the nature of this transaction my reasons are included in the Exhibit. These events have jeopardized my relationships with other Finacial institutions and I have not been able to obtain housing or any means of credit because of your non compliance.
Company Response:
State: NY
Zip: 108XX
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened my account last year as per the rules of the promotion ( attached ) to receive a payout of {XXXX} after direct deposit with promotional code. After receiving my direct deposit on XX/XX/2021, the bank has not honored the promotion unfortunately.
Company Response:
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-10
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: again XXXX XXXXXXXX XXXX ( now Keybank ) XXXX an XXXX XXXX XXXX XXXX, Pa. has never dis closed, any account information. An landed, me what? I am the Creator to the Person XXXX XXXX XXXX. XXXXXXXX XXXX is using a contract that may have been satisfied. An Can Any Bank give lines to Private Property, XXXX XXXX, Pennsylvania.
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2022-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-09
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/22 I spoke to a representative of KeyBank, he demanded my personal info including my SSN in order to close an account that I didn't open. They sent me a credit card I never requested and now I can't cancel it. They have no physical representation in CA, so I'm unable to go to a branch to close the account they opened, and I won't provide personal info over the phone due to identity theft concerns. Please help me close the account I didn't open.
Company Response:
State: CA
Zip: 94588
Submitted Via: Web
Date Sent: 2022-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX our mortgage payment was {$440.00} when I got my statement for how much my mortgage would be for this XXXX because every year in XXXX our mortgage payments change they either go up a little or they go down so when I received the statement for this XXXX an I saw the payment was for {$610.00} I actually flipped it went up almost {$200.00} when I went to the key bank on XXXX XXXX in XXXX an the manager looked at it he actually did not know what to say about it he used every excuse in the book why it went up the first excuse was well the gas prices went up I told him that has absolutely nothing to do with my mortgage payments then he said well maybe its your taxes they might of went up i told him right out not {$200.00} no way then he said the materials that you have to use to repair things for your home have also went up I said that should all be in my home owners insurance I am not getting any satisfaction about why this mortgage has gone up that much we have had it go up in the past but definitely never {$200.00} this is really gon na be hard on me because I have lost my Mom so she isnt here to help me with the payments here I am on XXXX for several back surgeries. Can you please help me out with this situation my mortgage is due by Tuesday if not paid then a late charge will be slapped on it can you please give me at least some ideas as what I should do because I am lost here. Can you please get my payments brought down for me please Im asking from my heart to please help me out. Thank you for taking the time out an reading my letter I really appreciate it very much
Company Response:
State: NY
Zip: 14207
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Key Bank loan. Paid off loan on XX/XX/22, still have not received the title. Called Key Bank on XX/XX/22 and as told that the title would be sent within 15 business days. I still have not received the title as of XX/XX/22.
Company Response:
State: OH
Zip: 44212
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: This is a follow on to XXXX. This matter was closed before resolution was final. You received a response from KeyBank, however, they acknowledge that they owe me a small sum of {$42.00}. However, sense XXXX XXXX I have not recieved the final balance or the copies of my monthly statements which had been requested 5 times. The representative from Keybank XXXX XXXX provided her direct contact number if I had any questions. I called XXXX XXXX at XXXX on XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time leaving a brief message and requested follow up. XXXX XXXX has not responded by phone, email or mail. I have not received all of my funds on my account. Nor have I gotten my statements- which would allow me my right to review all transactions on my account and to assure myself that all stolen funds have been returned. The balance of {$42.00} is due to a purchase returned to the XXXX XXXX XXXX. It should not take 2 months to respond to my calls or to release a check- which she acknowledges is due to me. The receptionist I spoke with each time express understanding at my frunstration but could only send an email to XXXX XXXX XXXX to no avail. She is never available to take my call and refuses to respond to them. I asked for another representative to speak to and was told I could not. Please intervene once again on my behalf to bring this matter to a FINAL resolution. I amconfident that had I not involved the CFPB I would not have gotten a response from Keybank at all. Please assist once again to bring this to a final close. I am due {$42.00}, monthly statements from XXXX XXXX thru XXXX or what ever month becomes the final closeout month. Because of refunds I do not know if there are anyother transaction amounts due me. I need to see my statements and should not be denied access to my financial records. Respectfully XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60621
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a account at Key bank online. I then went the next day and deposited my payroll check and an expense check. No issues. I then set up direct deposit. I travel for work so my new account had log-ins in multiple states. They froze my account. I went to the bank and verified everything NO FRAUD! They then told me my account is frozen for 90days and I cant use it. Since then I have had a direct deposit rejected and waiting for a new check to be cut, my initial pay check is frozen. No funds going on 3 weeks now till I get a 3rd check. Been assessed countless fees, services being suspended, and I cant even even buy food for my home. The bad workers said I cant help you or I could lose my job my funds are frozen unjustly and now I have occurred financial hardship, My services are off, and I cant eat. Nobody is helping or seems to care there. I dont know what to do. I also feel they owe me my funds plus the fees Ill I have to figure out. It will take me months to recover from this neglect.
Company Response:
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a Traditional 15 yr fixed home mortgage with Key Bank The payments for the same have been made for the past few years and set up as an automatic payment via XXXX XXXX XXXX XXXX. These payments have been made on a timely manner every month to Key Bank I am in the market for seeking a home loan for a new home purchase. During this process I spoke with mortgage brokers and on XX/XX/2022 was offered a rate of 3.0 % by XXXX XXXX. During their process they informed me that my credit score was low due to non payment of a Key bank payment for XXXX. I went to the local XXXX branch the next day where I was informed that my mortgage rates had changed due to tax increase by $ XXXX. There was s shortcoming as my account was on autopay and they would attempt to resolve it. This matter was discussed at the local branch, with Key Private Bank, with Key Mortgage and all agreed that this issue should be resolved. In addition Key Bank had an incorrect telephone number as well as no email address to contact me. The remaining downside in payments was made, the autopay amount corrected and submitted. The concern I currently have is that Key bank refuses to withdraw their report to the credit agencies. No attempts apart from the monthly account statements were made to notify me of the a ) Change in amount, b ) The shortfall in payment or c ) The intention to report this to the credit agencies. Further after I had started conversation with various departments in Key Bank I start getting certified letter regarding non payment and potential foreclosure clearly an attempt by them to show that they are doing the " right thing ''. The bank and its representatives did not have an answer when I queried why a certified letter had not been sent previously. They further mentioned that they have glitches in their internal system and my email which is available to them as I am a business banking customer was not visible on the home side. Even after I updated my information, I was old that they were unable to reach me for a follow up call and when queried they confirmed they had called the old defunct number. The banks process has 1 ) Multiple internal issues with poor communication and updating information on their system 2 ) the bank failed to contact me appropriately regarding a payment change 3 ) The bank failed to reach out to me regarding a payment shortfall 4 ) The bank failed to notify me regarding a pending negative report to the credit agencies and finally 5 ) The bank has failed to provide me a documentation of what has transpired over the past 3 weeks. The bank employees I have spoken to are but not limited to XXXX XXXX XXXX XXXX Thanks
Company Response:
State: CT
Zip: 06880
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I have received several mailing notifications that started in XX/XX/2022 welcoming me to my new bank account with both XXXX XXXX XXXX and Key Bank. I have also received debit cards to access the accounts. I did not sign up for either bank and I never gave these banking institutions my permission for an account to be opened in my name. I called Key Bank in the middle of XXXX and asked for information about who and how the account was opened. I was advised that the account was opened fraudulently and that it had been frozen due to suspicious activity. They explained someone tried to transfer {$2000.00} into the account. I was told I would need to come down to the bank to close the account. I have not yet been able to get to the bank to do this due to personal matters however I wanted to report the issue.
Company Response:
State: OH
Zip: 44129
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A