Date Received: 2021-12-13
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: My card was stolen and used for XXXX $ in XX/XX/2020. After I found out I immediately called the bank and reported the fraudulent charges. The bank investigated and denied my claim. They told me they didn't have enough evidence. They told me to send in a letter stating where I was during the times of the transactions basically proving it wasn't me using the card. I did that then they denied me a second time still saying it's not enough evidence. Then they told me to send in a police report. I did that and they still saying it's not enough evidence. I don't know what else they want me to do. I feel they are treating me unfairly and wrongly. I did everything they are asking me to do but it's like they are calling me a liar. That's why I came here to get help and get this resolved. Thank you.
Company Response:
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I got XXXX Checking Account with the KeyBank NA. I found errors in the statements and wrote a notification about their correction.The bank corrected the errors and closed my account as charged off. When I log into an account, I see that you have closed your account, but I didnt. The branch manager ignores me without answering my notification, without answering my email or phone call.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2021-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed by scammers pretending to be my electric company. They tricked me into sending {$490.00} with threats to my business and account info. Neither XXXX or Key Bank will reverse the charge claiming I authorized it. Key bank uses a link to XXXX in its mobile app connected to my account so while I was tricked I assumed my money would be protected through these services.
Company Response:
State: NY
Zip: 12180
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: So I have had to change my address 6 times so far with KeyBank, they keep alternating between two previous addresses. I notice usually when I try to enter my zip online to order something. They keep denying it but It keeps happening.
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was named as one of the person in XXXX XXXX XXXX class action suit me and my mother who has passed away in XX/XX/XXXX ( god rest her soul ) she was my co-signer on my auto loan in Nevada state. XXXX XXXX was aware of her passing and issued me a check for XXXX for the damages in which they decided was a far amount when i recieved the check it said to the astate of my mothers name and then my name with her being dead they should have not even put her on the check and if they where going to do that they should have said or instead of and so i took the cashers check signed the back of the check to my daughter and she depoited to her account with key bank. They emailed her and said that the funds would be released in 5 days and then 2 more, she called the bank and told them who her dad was and how it was his cashers check they said oh we do not cash 3 party checks i stated that it was a cashers check it did not matter.my daughters account had a fraud hold on it ment she could no longer do anything with that account. They held the funds in her account for 30 days. And she had her direct depoist from work put into the same account. She was able to go to the key bank and they wrote her a check for that amount depoisted and she took it up to the teller and they cashed it for her, on a account that was on a frozen account but there was never any fraud done on the account .They where aware that my dad signed that check over to my daughter and it was her account so where is the fraud on the account. 33 days later the funds are gone and her account is not frozen anymore so i called key to see where the funds went i assumed they set it back to wells fargo no they put it into a fraud account and said i needed well fargo to write a hold harmless agreement to release the funds wells fargo said they would do any thing they wanted, but they cashed the cashers check and they can not do anything when they took the money if the money was sent back and the just held onto the check that would be totally different. They cashed it. So if i did not want to do that my last option was i could open astate account for my dead mother etc.
Company Response:
State: WA
Zip: 98030
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My account with Keybank was closed. I had logged into the account on a regular basis. No effort was made to contact me. The funds were supposedly turned over to the state but I can not find them in the unclaimed funds database. The account was " Hassle Free Checking '' there were no minimum transaction requirements to avoid a fee or account closure.
Company Response:
State: NY
Zip: 10022
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Let me begin by stating that I, as the natural person is the original creditor, and credit is my RIGHT granted pursuant to 15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term person means a natural person or an organization ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. ( g ) The term creditor refers only to a person I would like to inform the Consumer Financial Protection Bureau of the violations of this company under the Truth In Lending Act ( TILA ) & the Equal Credit Opportunity Act. I applied for an extension of credit on XXXX2021 and engaged in a consumer credit transaction pursuant to 15 USC 1602 ( i ) and was denied extension of my credit by this company. This company has violated 15 USC 1681a ( k ) ( iv ( II ) & 15 USC 1691 ( d ) ( 6 ) - Adverse Action, because the action that this company took was adverse to the interest of myself, the consumer. I have included the law here for reference. 15 U.S. Code 1681a ( k ) Adverse Action. ( iv ) an action taken or determination that is ( II ) adverse to the interests of the consumer. Let me remind this company that pursuant to 15 USC 1602 ( j ) I have an open end consumer credit plan in which I am able to contemplate repeated transactions. There is no limit to the amount of credit I am able to extend myself as the original creditor. I contacted this company on XXXX2021 afternoon and spoke with XXXX XXXX to inform this company of their violations and to reconsider their determination of my application to prevent further concerns. I was met with harassment and further violations and this company refused to extend credit to me. I would like to further remind this company that they are in violation of 15 USC 1691 ( a ) ( 3 ) as this company has discriminated against me for my attempts to exercise my rights under 15 USC 1691- Equal Credit Opportunity and extend credit back to myself. It is discrimination for a creditor to invoke adverse action for a credit consumer transaction if that transaction was in part due to a consumer report. I have included this law here for reference 15 U.S. Code 1691 ( a ) Activities constituting discrimination ( 3 ) because the applicant has in good faith exercised any right under this chapter. As you can see Consumer Financial Protection Bureau, This company has violated my rights as the natural person and a consumer. This company is held liable under 15 USC 1691c ( 1 ) ( A ) ( B ) and they are held liable for their discrimination and violations under the Federal Deposit Insurance XXXX, in addition to 15 USC 1691c ( c ) they are held liable under the Federal Trade Commission XXXX. Before I continue to file for monetary damages because I, the consumer, have been mistreated by this company and they are held civilly liable under 15 USC 1691e ; I would like to hear their response in hopes that they reconsider their position. - I have also included the letter that was giving to me when I applied of their violations for reference for this company Sincerely XXXX XXXX
Company Response:
State: PA
Zip: 19006
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: An individual went to the key bank XXXX XXXX branch on XX/XX/XXXX and presented a fake Passport card ID, and the teller handed over {$2000.00} of my money, without presenting or swiping a bank card. The following day on XX/XX/XXXX, an individual went to the key bank XXXX branch presented a fake Passport card ID card, and the teller handed over {$2000.00} of my money. I reported the incident to key bank on XX/XX/XXXX as soon as I noticed money missing from my account. Key bank has refused to reimburse my money up till now. I filed a police report and opened a new account as instructed by key bank, but I do not have the funds to pay into it, .. my direct deposit going to fund the current account takes months to change due to logistics of things and in the meantime, all my auto payments are tied to this account. My bank card is in my possession at the time of the incident and was never reported stolen. Even though Ive been with the bank well over XXXX years, Ive always swiped my card and put my pin every time I withdrew money and it was a shock to find out someone could give my money to a stranger. Im the only one on the account since it was opened. The most painful part of this whole thing is that it was preventable especially in the XXXX branch. I googled the reviews on the branch as soon as this happened and I found out that the exact same thing happened to someone XXXX years ago and that individual lost {$4000.00}. My question is how can this be a mistake or an accident?. For your information also, I have a credit card with this bank and Im paying interest on it while the bank refuses to refund my money to pay down the balance. I just want this nightmare to end, .. this couldnt happened at a worse time because of other things I have to deal with.
Company Response:
State: NY
Zip: 127XX
Submitted Via: Web
Date Sent: 2021-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XX/XX/XXXX I applied for a checking account with Key Bank that required an on-line application. I was unable to complete the application on-line. I called their tech support XXXX. They could not provide a solution that would work but said I could NOT get the {$200.00} sign up bonus if I went into their branch office which was a XXXX drive away. I waited XXXX days and tried with XXXX different browsers just in case they had fixed their problem to no avail. I do qualify for the {$200.00} sign-up bonus based on their written offer.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I applied for a student loan refinance w/ XXXX XXXX XXXX a division of KeyBank XXXX on or about XX/XX/2021. They advertised competitive rates along with a bonus of {$500.00} if you opened a checking account and funded with a {$2500.00} ETF. After a month of providing numerous documents ( I am a self-employed ), they denied my application for my self-employment length. My issue is that they knew this from the beginning. They were provided a profit and loss statement from my business at the start, previous years tax returns, etc. My debt/income ratio was strong along with my credit score. However, at the very end ( likely because the debt amount and interest rate offered would not recoup the {$500.00} bonus they offered to me ) they arbitrarily declined my application without allowing any discussion. My major concern is that towards the end, I consented to a hard credit pull. Now, they have harmed my credit for any other refinance opportunity based on a decision they knew from the beginning.
Company Response:
State: SC
Zip: 29229
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A