Date Received: 2021-05-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Company Response:
State: TX
Zip: 78023
Submitted Via: Web
Date Sent: 2021-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: My name is XXXX XXXX. Im filing a complaint today about the customer service practices at KeyBank. My issue with KeyBank is they have froze my account since XX/XX/2021 due to accidentally cashing a check twice, the first time being a mobile check deposit and second being a atm check deposit. The reason I have made the atm check deposit after the mobile check deposit was because I havent recieved confirmation from my mobile check deposit, so to make sure I have cashed the check I made a atm check deposit. Due to making the deposit twice the bank has restricted my account activities and Im unable to even login to my mobile banking application. I have also accidentally used some of the banks funds but immediately credited my account. The bank branch manager in XXXX XXXX WA branch Mr. XXXX has told me since XX/XX/2021 that he will resolve the issue, but I am yet to receive any answer and Im being told by the manager that my issue is going to be too priority but since Im still being under represented. I feel as though my business with KeyBank is being discriminated and manipulated. I am loosing patience with this bank so as soon as they receive an email from the CFBP I will want them to unfreeze my account and then I will remove all funds and discontinue business with KeyBank for me and my family members who are apart of KeyBank as well. Please help me resolve this issue to the highest order. Thank you.
Company Response:
State: WA
Zip: 98198
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am unemployed in Indiana and receiving employment benefits by the state that are auto deposited into Key Bank. Key bank and the employment division had issued me a debit card where I was able to access my benefits each week on Mondays. I have been receiving these benefits for about three months in this manner. Today I went to the Key Bank ATM at XXXX XXXX XXXX in XXXX Indiana to withdrawal my benefits. The ATM machine had some kind of mechanical issue and during the transaction put a message on the screen that " this machine is being serviced at this time. You can use your ATM card at any participating Key Bank location ... '' and the machine tried to return my card. It made some strange noises from the card slot like it was trying to eject it but it never came out. I went inside to explain that the atm had some type of problem and did not return my card. I asked the teller to return my card to me so that I could withdrawal my funds from the account. He told me since it was a state employment card and not a key bank atm card that he could not return it. I asked him to then let me finish my benefits withdrawal and he would not do it. I asked him several times to give me my money and he told me to leave. I called corporate office at XXXX and spoke to XXXX XXXX part of the " white glove '' team for customer service. I explained the situation and that it was theft that the bank has refused to allow me to withdrawal my money from their bank. They told me they were going to investigate it and get back to me asap. I am unemployed and so is my wife. I have XXXX kids at home and we depend on that very small amount of money each week to feed our kids. At this time I do not know how or when I will receive my money or if I will ever. I called the bank manager again at the branch were this happened and he told us that he destroyed the card and that I would have to order another one. Because this card comes from the employment office and not directly from the Bank, it may take weeks for me to receive a new card just to be able to withdrawal my weekly benefits. I am outraged that a financial institution that has been entrusted with the money of the State of Indiana that is allocated to unemployed beneficiaries for those funds and they have chosen to withhold my benefits without cause or any due process. This equals theft of my money which is also governmental funds. Key bank needs to be investigated and this privilege for Key bank to be able to manage these funds needs to be revoked since they can not be trusted to take care of the many thousands of citizens that are struggling due to Covid-19. This overt act of theft is criminal and needs to be prosecuted. I would like CFPB to investigate this to find out if other people are experiencing these activities and to get my benefits paid to me immediately.
Company Response:
State: IN
Zip: 46038
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: i tried to withdraw XXXX and XXXX i was given a provisional credit and the money was wrongly takem back total XXXX
Company Response:
State: MA
Zip: 01702
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: KeyBank blocked my card and sent me a new one. I didn't receive that and I can't login in my account. Latter I finally logged in and I sow unusual transaction in my account. I called to customer service and blocked my card. I told them it was not me. I sent them email and they till now didn't receive. I called them again and made a dispute for those transaction. Yesterday I received a latter, where they answered, - We are unable to credit your account.
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2021-05-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: On XX/XX/2021 I attempted to log into my unemployment card ( KeyLink ) account. I was denied access and couldn't change my username, password or pin number. I called the number on the back of my card and she stated that someone changed my pin on XX/XX/2021 and there were 13 fraudulent charges between XX/XX/2021 and XX/XX/2021. They totaled {$6300.00}. Someone was using a web transfer and transferred money to another account everyday for 2 weeks. There were 11 fraudulent charges at {$500.00} each, 1 fraudulent charge of {$490.00} and 1 more fraudulent charge of {$300.00}. The company has denied my claim stating that no errors have occurred. They won't give me any detailed information regarding where this money went other than it was a web transfer to another account. I received a letter Bank Card Services PrePaid Debit Disputes with a routing number and the last for digits of an account number they claim is linked to the cardholder, which I assume is me. Again no further details. Please help me recover this money as I haven't worked in over a year due to the pandemic and really needed that money to help provide for my family. Today, XX/XX/2021 I sent Bank Card Services PrePaid Debit Disputes a fax with a hand written statement explaining what was going on and to please re-review/reopen the claim considering I never authorized these 13 transactions over a 14 day period. I've never authorized any funds to be transferred to another account.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2021-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In XX/XX/2020, we applied for a Home Equity Line of Credit. The estimated time to complete the transaction was 2-3 week, plus " little longer due to COVID ''. We hounded the branch constantly for status updates. There would often be something needed that no one communicated. We'd provide what was needed every time. This process went on like this until XXXX. At that time they said they were " working on title '' and it was would be soon. At this point, we stopped contacting them and never heard a word from them again. I finally called them in XXXX and told them to cancel the loan. They told me then it was already expired. Again, there was no written, electronic, or voice communication for the past three months. We had contractors lined up on the continual promise that the loan would close " next week '' or " soon '' over and over. We paid almost {$300.00} to process a XXXX lien for our solar panels that had to be subordinated to third position. I've included a PDF that documents every contact we had with them and who did what and when. In XXXX, I asked the branch manager what channels were available to file a complaint, he gave me a toll-free customer service number. I filed my complaint and never heard another word from them.
Company Response:
State: OR
Zip: 97317
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX on XX/XX/2019. I used my credit card as defined under 15 USC 1602 ( l ) and there was a finance charge involved as defined under 15 USC 1605 and Key Bank was then given my information without my consent or permission Pursuant to 15 U.S. Code 1602 ( p ) then they took my information and opened a loan and began to violate 15 USC 1692e because they falsely represent the status of a debt under FDCPA Section 809 ( b ) key bank continues to violate with collection activity and haven't validated anything they failed to provide authentic documentation which clearly indicated no such matter existed there are four elements in a lawful contract and there was no Full disclosure Equal consideration lawful terms and conditions and signatures of both parties they then repossessed the vehicle Breaching the peace in which they clearly had no intrest in pursuant to 1692e ( 6 ) 1692f and furnishing fraudulent documents defined in,15 USC 1692j FTC report # XXXX Attorney General Intake Reference Number is # XXXX they failed to include insurance pursuant to 15 USC 1605 and failed to disclose that pursuant to 15 USC 1635 i had a right of rescission pursuant to 15 USC 1692f ( 6 ) ( a ) ( b ) they are threatening to sell my vehicle in which is a violation I AM A FEDERALLY PROTECTED CONSUMER TEHY NEED TO FOLLOW THE LAW.
Company Response:
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: I was involved in a fraud transaction that was proven to be no fault of mine. Later the financial institution sent me a letter of information that was sent to XXXXand said my report may need to be updated.as a result I was denied a checking account at XXXX XXXX. Also XXXX XXXX close my checking account when I had already made arrangements to clear a {$92.00} overdraft.
Company Response:
State: WA
Zip: 98007
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My account was cleared out by fraud and Key bank have not returned my money after 2 weeks. I am not responsible for this fraud yet they have charged me {$15.00} to replace my card. this is the second time in 2 months this has happened and I have been charged {$15.00} each time. The money from the first fraud was returned within 2 weeks.
Company Response:
State: NY
Zip: 12590
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A