Date Received: 2021-12-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Received an email from XXXX that my personal information was being used to open an account with Key Bank for a credit card.
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2021-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-18
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I met with Bank officials at Key Bank, XXXX, XXXX in XX/XX/2021, regarding being charged, penalized & deducted from my checking account, {$140.00}. I asked if this was a state or federal requirement, as opposed to just bank policy. I was advised that this was a state law. I requested that they provide me with the appropriate legal site to the law, which they were unable or unwilling to do. To this day, I have not received any proof that this is a New York State requirement. I am on a fixed income and the banks policy can only be described as usurious! I respectfully request you investigate Key Banks policy of penalizing account holders in the use of their money. Thank you. XXXX XXXX XXXX
Company Response:
State: NY
Zip: 10591
Submitted Via: Web
Date Sent: 2021-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: In XX/XX/2021, I received notification that KeyBank, N.A. had opened a XXXX account in my name. I did not apply or consent to the opening of this account. I have never applied for or received benefits under this program. The account information was mailed to a satellite office of my employer. Upon receipt of this information, I reported the fraudulent application to KeyBank. I was advised that an unknown individual submitted a fraudulent application for unemployment benefits to my state XXXX XXXX XXXX I was told that matter had been reviewed and closed as a fraudulent claim. Thereafter, I reported this fraudulent activity to the XXXX. I was advised by the XXXX that the account has been terminated as fraudulent and that no further action was required. On XX/XX/2021, KeyBank mailed an account statement, related to the fraudulent account to the address that was used to fraudulently obtain unemployment benefits. This letter included my identification information and the last XXXX digits of an account that was reportedly ( 1 ) never opened and ( 2 ) terminated by inactivity. I called KeyBank yesterday to report the fraudulent transaction. I was disconnected by their automated system twice. There was no option to speak with a representative directly. Their fraud department would not permit me to file a fraud complaint because it could not locate the fraudulent account. Upon reaching a supervisor, I was instructed that my only recourse was to contact the XXXX. When I inquired as to the recent letter, which was mailed by KeyBank, not the DOL, I was told that they mailed XXXX XXXX letters to anyone that may or may not have accounts, without regard to any reports of fraud. I was told that they do not scrub their accounts for reports of fraud to make sure that the notices that they are mailing are not sent to addresses that were previously reported as fraudulent. Despite having reported the fraud XXXX months ago, the fraudulent address remains an active and valid address in KeyBank 's system, without explanation, and without the ability for me to do anything about it. I was told that since I did not open the account, even though it was opened in my name and I am the reported beneficiary, but rather the XXXX opened the account, without my consent, I have no right to any information regarding the account. Therefore, KeyBank refuses to confirm in writing that the account has been closed. KeyBank is playing an active role in this fraud by refusing to acknowledge my complaint, refusing to confirm in writing that the account is closed/never opened, disseminating my information to an address that has been reported to be fraudulent, and refusing to take corrective action to stop the future dissemination of my private information.
Company Response:
State: NY
Zip: 14221
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: I receiveda letter today from KeyBank informing me of a clarification of " the terms of your XXXX account ending in -- --. '' This account apparentlyrepresents a prepaid debit XXXX -- which I do not have and did not open an account for. I'm naturally concerned about fraud. I did try to query Keybank by phone regarding this matter but found their system difficult to negotiate ; that is, without login info I could not access a customer representative. I did in fact send an email with the information above ( including the four digits of the account they sent me in the letter ) to a Keybank address but I'm not at all confident that it will reach the right person. .
Company Response:
State: NY
Zip: 11427
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Since my bank account balance has dropped below {$1000.00} at all times, I have had nothing but issues with the bank. The most recent issue was between pay cycles. Although I opted out of overdraft & turned off my debit card, i still went into overdraft, and was charged 5x. XX/XX/30 tier 2 overdraft item charge {$38.00} XXXX XXXX tier 2 overdraft item charge {$38.00} XXXX reoccurring overdraft item charge {$28.00} XXXX tier 2 overdraft item charge {$38.00} totaling {$180.00} this is oppression and unethical.
Company Response:
State: NY
Zip: 10591
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: {$660.00} dollars inserted into atm to deposit Atm said it had a technical error and was unable to return my deposit I have receipt to prove atm error amd amount taken Keybank will not return my money or issue provisional credit XX/XX/21 at XXXX, XXXX XXXX XXXX XXXX, XXXX colorado Spoke to customer service XXXX, spoke to XXXX named XXXX, spoke to XXXX, someone from the branch called be but all I am getting is sorry but no solution other than waiting XXXX weeks
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: XX/XX/XXXX Received account letter from KeyBank in prior legal name of XXXX. I have a legal name change. I further contacted KeyBank for the 3rd time ( I kept notes. 1st time on XX/XX/XXXX, 2nd on XX/XX/XXXX ) to close this inactive account in the wrong legal name of which the new card mailed was never even activated by me. I contact KeyBank and was informed that I can not close a prepaid benefit account and that it must be handled by the benefit provider ( who in this case is WV XXXX XXXX XXXXt Bureau ). I again contacted the WV XXXX XXXX XXXX requesting the KeyBank account be closed again this year. My children are all adults and there will be no need for any future services. The account has had a zero balance since XX/XX/XXXX. WV XXXX no longer services the KeyBank account as their vendor has changed. No funds will ever be deposited to the benefits account as confirmed on the WV XXXX XXXX XXXX website and the funds are not transferable to their new vendor. I do not want an open account in my name that further contains my personal information in case there is ever some sort of breach of KeyBank. It should not be this difficult to close an account that is stale for this long! There should be a policy protecting individuals and inactivity of an account should not be left open for fear of fraudulent activity that could somehow occur with an account I no longer monitor or even have access and I no longer have the actual account card in my possession but have been unable to CLOSE the account myself.
Company Response:
State: WV
Zip: 26003
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was checking my credit report when I saw that it said I owed {$75.00} on an auto loan by KeyBank. I have never heard of this company. My auto loan was taken by XXXX and was closed in XXXX of XXXX. It is now XXXX and KeyBank has reported to creditors that I owe {$75.00} and have XXXXmissed payments. Never once have I heard of this company. Again my account was closed with XXXX and I never heard of KeyBank. When I called first they never heard of me, have no records of me. Then I call again after I gave some information and they tell me I owe fees that were waved by XXXX. Then I was told they see notes that the fees were waived and they will waive the fees as they should have been. Then I call back again because now there is a lien on my vehicle and they tell me I have to pay fees and interest. Again never heard of this bank until nowXXXX! I been closed this account and they are saying I owe this money. One : I was never contacted by XXXX ( also I asked what is my payoff amount and I paid that in full ) .Two : I never even heard of KEYBANK until this year XXXX!! XXXX was an awful year since its when I lost my mother. Now I have to go back and relive that year because this random bank is ruining my life for {$75.00}. A bank that never even heard of.
Company Response:
State: NY
Zip: 11563
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/2021 I reported fraudulent activity on my account current card was canceled and new debit card was supposed to be sent out same day I allegedly supposed to get it by XX/XX/2021. Instructed to go to nearest branch to get atm card. XXXX XXXX XXXX XXXX bank manager left early unable to obtain atm card
Company Response:
State: CT
Zip: 06511
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: To whom it may concern, Keybank consistently miss-applied my payments during 2021 resulting in negative credit reporting. The company does not allow automatic payments. Monthly payments were approximately {$270.00}. In lieu of automatic payments I paid Keybank {$2000.00} in XXXX to cover payments through XXXX, and another {$1000.00} in XXXX to cover payments through XXXX. Unfortunately, Keybank mis-applied the payments, then reported a 30-day late in XXXX and a 60-day late in XXXX. This is resulting in negative credit for me and an inability to refinance my mortgage. Will you please help me however possible? The goal is to remove the 60-day late. Thank you! XXXX
Company Response:
State: CO
Zip: 80206
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A