Date Received: 2022-02-26
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: XXXX, Lender ( KeyBank ) and third parties mortgage servicers ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lawyers filed Wrongful foreclosure case XXXX and altered the document in the appeal court case Appeal XXXX against my civil rights. These actions caused foreclosure fraud against my bankruptcy, as I was harassed and threatened through federal Moratorium and Wrongful Eviction during the Federal Moratorium. The fraud occurred through the facets of the foreclosure process in connection to the Affordable Loan modification, including botched documents, unscrupulous lenders, and predatory foreclosure mediators. Violation Cause action : XXXX Harm and Discrimination against protective class with XXXX XXXX and left XXXX during Federal Moratorium. Violation of Bankruptcy Code and federal Laws, ECOC Wrongful Property Possession - Facts : XXXX, I lived in the house for 21 years. ( see warranty deed ) I have the right to retrieve all damage. Wrongful Foreclosure- Facts : XXXX, loan been Loan Paid Off estimate of 12 years ( see credit report ) Violation of Bankruptcy Discrimination against Affordable Mortgage Mortgage loan Assistance ( see XXXX Answer XX/XX/XXXX ), Lender and Lawyer Inference during Federal Mortortium Unlawful action against violated my prvIdentity XXXX, deception loan modification The parties involved in a lender modification fraud scheme include Real estate agents ; Mortgage brokers; Real estate appraisers, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Overt Discrimination fail to help and provide the program available to release the liens against the property under statute law Wrongful Eviction - Improper procedure Adverse posses, slander, Used house court force Breach of contract- in compliance with Common Pleas Court XXXX, The action was by the lender ( KeyBank ) and their third violation against bankruptcy. The lender imposed unfair and abusive loan terms that they knew were avoided in bankruptcy court using letters scamming out money and mortgage payment. I was injured, harmed, harassed through XXXX, XXXX XX/XX/XXXX, against the bankruptcy court order that prohibited the lawsuit and collection. XXXX XXXX XX/XX/XXXX, The threats led to illegal eviction during the Federal moratorium for foreclosure and eviction. They used trial-court and housing-court to place fraud in the court docket to project I failed to pay. XX/XX/XXXX, The straw buyer used a XXXX title to claim property against a mortgage and warranty deed that violated the Ohio foreclosure. Wrongfully foreclosure XXXX and XXXX. The lender Knowingly that they had no right to claim property using an avoided mortgage loan for 74,000.00. Misrepresentation of the Home Affordability Used the home afford program by Setting different terms or conditions for the loan purchase based on discriminatory factors. The lender knew the loan paid off. When I received the Approval The lending institution and mortgage servicer forecloses on a property without a proper legal basis. Municipal Housing court XXXX sale helped in the common please court improper foreclosure procedure when I denied the right to retrieve property sale Sheriff Sale. The forcible entry and detainer forced detainer entry through housing court. The mortgages were a breach of contract during the terms of the loan. The lending used fraud to dishonor the compliance of federal loans and clear the liens according to the Ohio revised code. I lived for XXXX years ( XXXX ) during a federal moratorium The wrongfully evicted based on deception Mortgage loan {$74000.00} discharge order XXXX and XXXX Chapter XXXX bankruptcy and exemption. The deception loan procedure used to discriminate behind denying XXXX XXXX XXXXXXXX. The misinformed and misrepresented the circumstance by slander to debt that's not own to prevent having a home, refinance, and other available credit.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: Please see attached document / note from our boat AND trailer loan. We have been requesting the title for both of these items for over TWO YEARS. Why is this confusing for the CFPB and for Keybank? We have made multiple complaints, all unrsolved. This company financed BOTH the trailer and the boat for us, we paid it off, we need the title for both the trailer and the boat. We have been sent the boat title twice. Send the title to the trailer, we have a letter from Keybank stating they did not finance the trailer so that is a lie. What is the CFPB going to do regarding situations like this, we deserve compensation for this situation and want the name, address, phone for the registered agent for Keybank and the title to our boat.
Company Response:
State: IN
Zip: 470XX
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/XXXX I had went shopping at XXXX XXXX I spent {$130.00} then left. When I left I was going to meet my brother at his home and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed on XX/XX/XXXX when I went to go pay my rent my card kept decling. So I got onto the XXXX app and to my surprise my balance was almost depleted. The last place I used my card was at XXXX 's on XX/XX/XXXX for XXXX I seen a charge at the same XXXX 's an hour or so later for {$53.00} which I knew I didn't do because right after I spent {$130.00} with-in XXXX minutes XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was in XXXX from XX/XX/XXXX until XX/XX/XXXX and most of XX/XX/XXXX I was on XXXX XXXX XXXX XXXX.. there's no way I was out shopping.. I called XXXX and gave my permission for my XXXX XXXX to speak on my behalf so I could report unauthorized charges. The woman on the phone went through the charges and was told that disputes were filed and new card was on the way. I called everyday and the card was never deactivated until XX/XX/XXXX or XXXX I had contacted XXXX XXXX once about this and a XXXX named XXXX had replied to my complaint stating that XXXX had no knowledge of me filing any disputes. So since XX/XX/XXXX through XX/XX/XXXX I had been trying to file unauthorized dispute charges with XXXX. I was told twice to file by mail or to fax.. I had mailed in disputes on XX/XX/XXXX and again on XX/XX/XXXX never head about my disputes from anyone. So I tried faxing my disputes. On XX/XX/XXXX I waited heard nothing. So I sent another fax on XX/XX/XXXX waited heard nothing. Then again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX... I explained everything I've called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and everything the customer service agent said that they would put that in my notes. I was able to call and speak better then I had in the past on XX/XX/XXXX and asked if my disputes had been investigated and the customer service agent said there was no disputes maid. She asked how I made these disputes I told her what I told you above. She asked what fax number was I sending my disputes to I told her and she said that it was a fax number for XXXX but not the disputes department. So more then once I was given the wrong number to send my disputes, the letter explaining why there unauthorized, my police report and XXXX XXXX XXXX paper work.. for months I have been trying to dispute these charges and for months I have been getting the run around. The customer service agent on XX/XX/XXXX gave me a claim number and a what I hope was a good faxing number to send all my documents to. I have attached in my complaint police report, XXXX XXXX paper and all the receipts that I was sent through my faxing app showing I had been trying since XX/XX/XXXX to file unauthorized charge disputes. I know you record all phone calls you will see all the times I called.
Company Response:
State: MI
Zip: 48507
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Key bank opened a checking account on XX/XX/22 with a {$50.00} deposit on my credit card. The next day Key Bank removed my access to the account stating that I need to visit a bank branch in person to regain access to my account. The nearest Key Bank branch is over XXXX miles from my house and I have no method to visit a branch in person. If there were account security concerns the bank should have told me before opening the account. I asked the bank to close my account and refund my {$50.00} credit card charge. The account was opened less than XXXX before I encountered the problem. Key Bank refused to close the account unless I visited a bank branch and said I would incur an early account closure fee. The Customer Support Manager I talked to on the phone, XXXX, hung up on me when I asked how to spell her name for this complaint.
Company Response:
State: MN
Zip: 55422
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have received several notifications from KeyBank about changes to my personal accounts that were not authorized. These changes are done using their digital platform- Online Banking. My email address has been changed and bill payees have been added. While these changes don't impact my balance they do make me worry about fraud on my account. I have contacted KeyBank several times regarding this issue. I'm asked to change my password and I'm assured I have been removed from their 'test environments ' and it won't happen again but it does. Unauthorized activity and bogus notifications should not be sent to clients. Most recently, I received an email on XX/XX/22 indicating I added a payee - Test payee2 on XX/XX/22.
Company Response:
State: OH
Zip: 44067
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I am trying to open a XXXX XXXX XXXX account and my account was flagged due to it being marked that I committed identity theft when it should be marked as I went through fraud. Someone tried to open a key bank account under my name.
Company Response:
State: WA
Zip: 98444
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX, I contacted Key Bank, XXXX to dispute the overdrawn balance on my account. A charge of {$79.00} from XXXX was charged to my account on XX/XX/XXXX. In addition, XXXX overdraft fees were applied to my account. Fact : I have made XXXX deposits since opening the account on XX/XX/XXXX {$10.00}, XX/XX/XXXX {$20.00}, XX/XX/XXXX {$87.00}, and XX/XX/XXXX {$20.00} ). The largest charge to the account was {$52.00} for a gift card. My complaint stems from the fact on XX/XX/XXXX, when the account went into the negative Key Bank continued to authorize charges. Instead of declining them when the checking account did not have sufficient funds, Key Bank approved the charges while assessing reoccurring overdraft fees. There was no account alert provided for the fraud charge. Currently, Key Bank is charging {$120.00} to substantiate the account from its negative status. I am disputing the amount due to the fact that Key Bank had no grounds to authorize and continue to pay out of an account that had insufficient funds. On XX/XX/XXXX a XXXX XXXX charge of {$2.00} was approved and on XX/XX/XXXX another charge of {$2.00} was approved in addition to the {$79.00} causing the accounts dilemma. The account went into the negative on XX/XX/XXXX and Key Bank continued to approve the XXXX XXXX charges totaling {$4.00}. Subsequently, adding overdraft and recurring overdraft fees to the account. On XX/XX/XXXX I deposited {$20.00} to cover the XXXX XXXX charges. There were no monies in the account to cover the fraudulent charge of {$79.00} which was posted on XX/XX/XXXX. I initially opened the joint account just in case my sister wanted to deposit her Social Security checks and required my assistance to monitor her spending. I have managed to keep the account active by putting in little funds and providing some activity. However, I feel the fault remains with Key Bank and their willingness to cause financial harm off the backs of the struggling consumer during these unprecedented times. I am seeking to have the {$120.00} waived by the institution.
Company Response:
State: NY
Zip: 14221
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I have had this loan from Key Bank since XXXX ( I believe ). It has been a constant problem with them applying my loan payments at different times and confusing late fees. At one point ( XXXX, XXXX ), I submitted a complaint and the agency that investigated found several payments that had not been posted. I recently paid off the loan and Key Bank attached unpaid " Late Fees '' of {$630.00} without verification. Key Bank also placed what they termed " Recoverable Corporate Advance Balance '' of {$1300.00} without any explanation of what this amount constituted. The list of payoff amounts ( including the ones just referenced ) was issued XX/XX/XXXX. The amount they requested was paid in full XX/XX/XXXX.
Company Response:
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX at XXXX XXXX in the morning I schedule an appointment with an employee at KeyBank located in XXXX Oregon. I recently was a preapproved on a credit card for an auto loan and went into inquire about seeking preapproval on a loan through KeyBank. I explain this to the representative who is transferred over to the manager. I specifically asked for preapproval in which they instructed me to sign a piece of paper for this preapproval. After the appointment I was contacted on Friday, XX/XX/XXXX to be told that they were still reviewing my options. Upon this I received word on Monday that they werent going to approve any preapprovals. Shortly after that I was given a notification through my Phone app that this particular bank did a hard check on my credit without my authorization which will now be on my credit report for two years. I went to the bank to report this and they told me that the only thing I could do is send a new complaint to you. In addition they were not willing to do anything else. I wish to protest this particular inquiry and have it removed off my record. Thank you XXXX XXXX
Company Response:
State: OR
Zip: 97224
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Key Bank is refusing to return my funds, as held in a personal checking account. I opened the account on XX/XX/2022, and the account has been frozen shortly thereafter, per previous CFPB and XXXX complaints. Please find the previous CFPB complaint attached. Key Bank responded to my complaint on XX/XX/2022 by summarizing the situation, but there has been no resolution to the matter. My balance of {$1500.00} has not been returned to me, nor a timeline for this disbursement. I would also advise that Key Bank revise and update their antiquated business practices with regards to identity verification. Key Bank states this indefinite hold of my funds is because they can only verify my identity by physically visiting an out of state branch. Given the advances in technology with public knowledge databases like XXXX, a customer 's physical presence should not be necessary. Alternatively, if Key Bank does not wish to invest in modern technology, Key Bank can request further information from me to identify myself, but has not done so. I proactively called a branch and customer service offering to provide identity documents like my XXXX passport, drivers license, and/or utility bill, but was denied. Coupled with the risks of the COVID pandemic, this is a perfect opportunity for Key Bank to update their outdated business practices with regards to requiring laborious in-branch visits. I would appreciate immediate disbursement of my full balance of {$1500.00} via a trackable shipping method, like XXXX. Thank you.
Company Response:
State: CA
Zip: 94539
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A