Date Received: 2021-08-05
Issue: Getting a line of credit
Subissue:
Consumer Complaint: In XX/XX/2021 I applied for a personal line of credit when I applied for a checking account with Key Bank in XXXX Washington. In early XX/XX/2021 I was qualified and accepted an offer for a line of credit for {$5000.00}. I was not told that I would have to go online to their online platform and accept the offer because in my mind, I accepted the offer with no warning that I would have to accept it again a 2nd time. I went to the bank when I realized that I no longer had access to this account and was hold my a bank rep that they would get their " back office '' to investigate and would call me Monday XX/XX/2021 with an update. I never received a call. Today XX/XX/XXXX I went back in to the same branch and spoke with a personal banker XXXX XXXX to called the back office and told me I would have to reapply where my credit score would be hit now a 2nd time for an offer and acceptance of a line of credit that I already qualified for an accepted. This was not acceptable and I feel they should able to reactive something I already had that they closed with out my permission.
Company Response:
State: WA
Zip: 98405
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: From XXXX XX/XX/2021 Money being paid from my checking to XXXX XXXX for a game online, I ne ver authorized. I didn't realize I was being charged d Rite away and ow I have thoughsands missing and being denied my money back. I've had disputes but no luck when trying ow my account is negative and I'm afraid to use it due to these charges I need help im not good with all these online programs and want someone to help
Company Response:
State: OH
Zip: 43551
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: on XX/XX/2021 my checking account balance was low so I transferred money from my saving to my checking account to cover purchases. After I made the transfer i made a few purchases. Usually, when I transfer money it becomes available right away or at some point the same day. This time they didn't make my found available until the next day after my purchases were posted to my account causing me to overdraft 3 times and refusing to reverse the fees.
Company Response:
State: NY
Zip: 143XX
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-01
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have a Keybank account and 3 XXXX accounts that were originally managed by XXXX, that first went delinquent in XX/XX/XXXX. I have tried to dispute this 3 times with the credit bureaus XXXX and XXXX and Keybank/XXXX directly. Keybank and XXXX is trying to say that my account first went delinquent in XX/XX/XXXX. XXXX originally had these accounts and sent it to Keybank and XXXX in XX/XX/XXXX because it was delinquent and charged off in XX/XX/XXXX. This however, is not the original delinquency date. They are trying to say that I was in deferment but these loans did not qualify for deferment. I have submitted my credit report showing the negative reporting since XX/XX/XXXX. I have submitted the payment history. I even submitted the collection agency and payments I made to them. These accounts are over XXXX years old and need to be removed from my credit. Keybank/XXXX is refusing to remove it. Please help me!
Company Response:
State: FL
Zip: 33606
Submitted Via: Web
Date Sent: 2021-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: on XX/XX/XXXX I was at Key bank locatedXXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX who I deal in this bank for over 15 years offer me their Credit card and told me if I spend {$1000.00} in the 1st 60 days I will get {$150.00} & 2 % for all my purchas. I complied with the promotion, and called about my money, they told me will take 60 days. I called again in XXXX was told in 90 days I will get my {$150.00}. Called several times this month and went in person and XXXX XXXX told me I don't see the promotion that she offer me and they are trying to resolve the situation. I was told she will call me with a resolution. No calls back no money in my account. I did not need any additional credit card, I was mislead to get key bank cc. I been a client in this bank for over 15 years and do not appreciate lies. I do believe if she make a mistake the bank still should be responsible for what i was promise.
Company Response:
State: CT
Zip: 06405
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: XX/XX/21, unauthorized ach withdraw for XXXX XXXX Called to notify and get money back. They issued me a new card and said I half to wait 10 days for REFUND. Gave limited info on who took money. Only told me name XXXX, and last for numbers of account. 10 days past, no results. Feel no actions taken by bank.
Company Response:
State: WA
Zip: 992XX
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XX/XX/1922, & XXXX & XXXX there were 4 ach XXXX $ dollar transfers made online and I was not aware of the XXXX until XX/XX/XXXX which is today but I was aware of the 3 all made to same account and I didnt make those transfers and I have called so many times and I have sent the required paperwork to the emails they have provided me with to verify my identity and nothing is being done and every time I call its the same process over and over of being transferred and being told the same thing each and every time.
Company Response:
State: NY
Zip: 13502
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I XXXX XXXX XXXX for my elderly mother, and one of them is a 4 family home that we secured a mortgage on with KeyBank. This winter, one of the tenants had a fire which destroyed her unit and caused some exterior damage and minor smoke damage to the other units. We contracted a company that specializes in fire damage, and a public adjuster to represent us with the insurance company. The repairs were completed over 2 months ago. We received a final payment for " recoverable depreciation for building damage '' that the insurance company held back until the repairs were completed, and we were given approvals by the local building inspector. The check was made payable to my mother, the public adjuster and the bank. I have been trying to get the bank to endorse the check for the past month and a half, and they keep putting one obstacle after another in front of me. The check was for {$21000.00} and is needed to pay off the adjuster for his services. No one at the bank seems to have any accountability or sense of urgency in resolving this issue. The most recent effort involved them sending an inspection company that they hired to ensure all the repairs have been completed. He was able to inspect the repaired unit, and all the common area hallways and stair wells. He claims that he was unable to inspect the occupied units, even though all 3 tenants claim they were home. He set up another time to go, I notified the tenants of the time, and they claim he never came. Then he asked if I would have the tenants send me pictures of each room in their units, which I did. Then I circled back with the bank to see if they would now release the endorsement. Then they claimed the inspection company would not sign off on anything until they had more pictures, pictures that the inspector should have had no issue getting each time he allegedly went there ( common areas and attic ). I am at my wits end trying to just close this matter up, and the bank doesn't seem to care about it one way or another. My most recent contact at the bank is a Ms. XXXX XXXX ( " Lead Specialist '' in the KeyBank corporate office claims department ( XXXX, phone : XXXX ) Please help.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/2021, I filed a complaint with the CFPB ( Reference number : XXXX ) in regards of KEYBANK not granting me the opportunity to complete a consumer credit transaction because I asserted and reserved all rights under the ECOA ( Equal Credit Opportunity Act ). On XX/XX/2021, KEYBANK corrected their position through the CFPB, and confirmed that they would be in compliance with the ECOA ( Equal Credit Opportunity Act ) and also would honor my ECOA request, as well as grant me the opportunity to complete the consumer credit transaction. On XX/XX/2021 I reached out to KEYBANK in regards of applying for a mortgage. At my request, I gave notice to the mortgage loan officer that I was asserting and reserving all rights under the ECOA ( Equal Credit Opportunity Act ). Pursuant to : " Use of Credit History Information -- 12 CFR 1002.6 ( b ) ( 6 ) '', This request was made verbally by phone, also through via email and USPS Certified Mail. ( Please see all attachments for confirmation ). Through correspondence with the mortgage loan officer via email, the mortgage loan officer was properly informed of my ECOA request and was recommended by her supervisor to move forward in completing the transaction. On XX/XX/2021, the consumer transaction was completed and submitted for review by KEYBANK. On XX/XX/2021, I received an email from the mortgage loan officer informing me that the transaction was denied due to the information that was furnished to KEYBANK from consumer reporting agencies in regards of my credit history and worthiness. I Informed the mortgage loan officer that my ECOA request has not been honored and that KEYBANK has willfully violated the ECOA pertaining to this transaction. I have not heard back from the mortgage loan officer since my last correspondence through via phone call.
Company Response:
State: OH
Zip: 44122
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I received a letter from the Social Security Administration stating that I owed around XXXX, due to an overpayment under my deceased father 's social security number, and that if I did not pay it back within 30 days, my SSDI would not be paid to me, until the debt was satisfied. I contacted the telephone number on the letter and was told that I had to pay it back using a personal check. My Key Bank hassle free checking account does not offer check writing ; so I opened an account at my bank that does offer check writing. I funded the account from my hassle free checking account at the same bank. I ordered checks with my ( at the time ) current address - which happened to be a hotel room that I have been staying at for several months ( after the death of my husband in XXXX, 2021 ) ; because the family home at XXXX XXXX XXXX in XXXX, XXXX was re-modeled and sold and is part of a trust. I received the checks and then received a letter from my bank stating that my new checking account was essentially frozen, due to the Patriot Act! This is the craziest thing I have ever heard. My bank is prevented me from paying a branch of the United States government ; because my banks says the Patriot Act says that I could be either laundering money or funding terrorists. So the payment that I was about to make to the Social Security Administration was allegedly about to be made to a XXXX organization or for the benefit of a criminal enterprise? So Key Bank froze my money based upon the assumption that I was conspiring to commit a crime. This action by Key Bank violated my civil rights ; because I committed no crime, yet Key Bank froze my account anyway. All of my money comes from SSDI, a one-time death benefit from my deceased spouse 's employer, and payments from a trust. Therefore, I could not be laundering money. So that leaves " funding terrorism. '' Well, since I was attempting to pay the United States Government, I could not be " funding terrorism, '' by definition. Now the deadline has passed for me to re-pay the Social Security Administration. The bank won't let me have my money ; and I will receive NO SSDI for XXXX, XXXX, and a reduced payment for XXXX, 2021. All of this is due to the Patriot Act and my bank. I am highly disappointed in the Patriot Act ; because it is being used to harass me. Key Bank can not demonstrate that I committed a crime ; because Key Bank can not show the movement of money from my account to a single entity, except the company that printed my checks. Also, I am in the process of buying a home in XXXX ; so I just moved out of the hotel room and have no current mailing address until I close on the home purchase, FYI.
Company Response:
State: CO
Zip: 80504
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A