Date Received: 2021-03-15
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: My name is XXXX XXXX I was applying for a loan through XXXX XXXX when I got done I got a e-mail stating someone will be in contact with you soon so when the people called me pretending to be a loan company I dot really think anything of it. But they got me to send verification money to them from my account. I still had two of my XXXX check go I to the account that key bank room from me also
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-14
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I got another letter this time from key bank so 2 different banks XXXX XXXXXXXX and key somebody is opening up checking accounts in my name!!! With what no ID!!!!
Company Response:
State: OH
Zip: 43229
Submitted Via: Web
Date Sent: 2021-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: KeyBank misapplied the payoff of my HELOC and continues to try to collect on the account.
Company Response:
State: NY
Zip: 14216
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/XXXX, I was sold a Solar System from XXXX XXXX. The system was financed through XXXX XXXX on XX/XX/XXXX. Since the initial purchase, a plethora of issues have taken place including, but not limited to, - Gross and Willful Misrepresentation and Misconduct in the Performance of the Solar Service and Equipment, herein referred to as, " the equipment ''. - Willful Falsification of Documentation and Financial Contracts, False Certification and Forgery. - Financial Lending Fraud includesFudiciaryBreach of Duties, Deformation to Credit File, and Gross Negligence. - Deceptive and Unfair Trade Practices ( FDUTPA ) and constitutes grounds for actual damages. Resulting in nearly 7-months time having lapsed. To-date, XX/XX/XXXX the system has NOT met the legal criteria of Installation where the solar system remains in a NOT ACTIVE state. NOT INSTALLED specifically means that XXXX XXXX has not completed their scope of work and responsibilities, which requires a FINAL INSPECTION to be performed by the City of XXXX, Florida. NOT ACTIVE specifically means, a XXXX XXXX has NOT requested or installed by XXXX XXXX XXXX XXXX, as of the date of this complaint. XXXX XXXX submitted a Letter of Completion to Dividend Finance on XX/XX/XXXX. This Certificate of Completion is deceptive, fraudulent and misrepresents factual information pertaining to the equipment status, and system size of the solar system. This includes architectural plan revisions that require approval by the City of XXXX have NOT been submitted to reflect the revised number of solar panels, and the revised solar production size. One of many Problems were identified with XXXX XXXX following the first installation in XX/XX/XXXX, and includes, the installation of a REDUCED SIZED SOLAR SYSTEM and is significantly different than what was contracted for originally. I learned at this time that the original contract I attempted to sign for digitally was for a {$44000.00} dollar system. The contract had been replaced by another contract in the amount of {$33000.00}, that I DID NOT sign whatsoever. It's important to note that during the initial sale, while I attempted to digitally sign, a second screen that contained the signatures of at least 50-100 other people appeared. I noted this to the salesman and he immediately took the tablet back and said, no problem you're all set and did not hear anything more from XXXX XXXX, until the night before they wanted to install. It was following the install where an electrician came out and downgraded the service to my home when it was discovered that the system was undersized and NOT what was contracted. I immediately contacted XXXX XXXX and when they were reluctant to accept wrong-doing, I proceeded to contact Dividend Finance in writing and phone to detail the abundance of issues occurring and to specifically ensure that Dividend Finance DID NOT begin billing me until XXXX met the production requirements, performed the additional installations, inspection from the City occurred, AND the solar system was active on the power grid and producing power. I learned at this time that Dividend had established ACH test transactions, without my consent where I contacted them and Dividend confirmed the ACH was removed. I have written to Dividend and included them in more than 50 emails times detailing the countless problems endured where I state at the closing of each letter, Dividend is NOT AUTHORIZED to proceed until I have personally provided written consent due to the abundance of fraud, deceit, and similar issues described herein. I have learned since XX/XX/XXXX that XXXX XXXX and KeyBank XXXX has been performing multiple and ongoing unauthorized Hard Inquiries to my credit since the initial credit approval in XX/XX/XXXX. The blatant and unauthorized misuse has impacted my credit score and worthiness by almost 100 points since XX/XX/XXXX where I have documented this with XXXX and KeyBank XXXX stated that arbitration may be necessary due to the financial impact they've caused. Furthermore, I received an email on XX/XX/XXXX from KeyBank, stating they were to begin to ACH my bank account for the solar system. However, I have never attempted to, nor authorized KeyBank to obtain credit, nor have I provided them banking information, nor ever provided approval for ACH transactions. XXXX formal response to this was, the terms of the contract state that they may begin billing after 60-days of completion. This is when I learned that XXXX XXXX misrepresented a Completion Certificate as noted prior. However, completion requires an inspection to be considered complete, which the XXXX XXXX XXXX for XXXX, confirmed no such request for inspection, nor revised plans have been provided, nor been approved. Today on XX/XX/XXXX, I received a courtesy call from Keybank stating that I was in my grace period to make a payment. It appears that these finance companies are attempting to strong arm payment, for a system that does not legally function whatsoever. It is imperative that these companies be investigated, specifically XXXX XXXX and XXXX XXXX as they have hindered my ability to refinance my home at a significantly lower rate, causing me in excess hundreds of thousands of dollars in damages at no fault of my own. As of XX/XX/XXXX, all permits related to this construction have expired with the City of XXXX. This implies that XXXX XXXX breached the basic requirements of Construction Abandonment, which may forfeit any legal or contractual obligations related to XXXX XXXX and or, KeyBank. This complaint depicts a fraction of the ongoing and horrendous efforts of financial abuse and consumer fraud. I need assistance in the remediation of this matter. All issues have been extensively documented and presented to all parties involved.
Company Response:
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I received a notification that my credit score dropped by 60 points due to a delinquency from the merchant ( Key Bank ). In XX/XX/XXXX, I had my mortgage deferred due to the COVID-19 relief offered by the bank and a new monthly payment was established for {$1100.00}. I made all payments on time from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, I paid the account total due, but was late making my payment by a few days and was assessed a late fee ( which is okay as I was late ). I was not, however, 30 days past due. The bank reported me as such which caused my credit score to drop. I contacted the bank and they advised me to fill out an online form on key.com and that it will take 30 days for review. After filling out the online form, however, I never received a confirmation that the request was received ( ex- confirmation email ). Today, I called customer service and made an online payment over the phone, however, the representatives were unable to confirm that my request was received and told me to contact my credit reporting company. I really appreciate Key Bank and the assistance they provided me with my mortgage relief during these troubling times. I have followed all directions they have given, and feel that it is unfair that they are impact my credit. I had no concerns, thought this was a simple mistake, and that this credit reporting error will rectified until today. Because I was not able to obtain confirmation that my credit reporting concerns were being looked into, I am seeking further assistance.
Company Response:
State: NY
Zip: 14217
Submitted Via: Web
Date Sent: 2021-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-11
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: Here in ct, unemployment debit card was frozen by key bank, two attempts were made too order a replacement card too access funds deposited by unemployment too account and neither attempt has had card sent in mail.there is money in the account I can't access without the Debit card replacement this issue started apx XX/XX/2020, each month since today 's email two request were made by phone too keybank with no card being recived by mail. As of XXXX XXXX now. The last card issued was debit card XXXX which is still frozen by key bank and I have in my possession waiting on a new card replacement.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: tried to activate debt an closed down my KeyBank Unemployment account. XXXX
Company Response:
State:
Zip: 11233
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-11
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I am contesting the full remaining balance for the personal loan that I took out with XXXX XXXX XXXX Key Bank XXXX last year, and I am asking this company to forgive the loan in full, under the premise that they took over 60 days to fill a simple {$7000.00} personal loan. To give a brief overview, their customer service representatives, in mid XXXX of last year, lead me through the wrong loan application. Three weeks after I submitted this first application, after they told me that my application was on the way and that they would contact me soon for the next step, they let me know that I submitted the wrong type of application with their representative in XXXX and that I had to go back and submit a new application. I did that around XX/XX/2020 XXXX submitted the second application ), with the expectation that they would consider this application supplemental ( to replace ) to the existing application. However, right after I submitted this second loan application, COVID happened and XXXX XXXX used this technicality ( the second formal submission date being around XX/XX/2020 ) as an excuse to not fill the loan until XX/XX/2020, which wreaked havoc on my finances and personal life. They took over 60 days to fill a simple {$7000.00} personal loan, while, all throughout XXXX, their representatives were making false statements, telling me that they loan would be ready and disbursed in a couple days, etc. And they were doing this as a tactic to prevent me from going to another lender, because I was and am back by experience borrowers with positive net worths, and they are exploiting us. Without diverging, I want to draw a comparison. Suppose I went to a restaurant, and I ordered a hamburger. Now, suppose that I place my order and then a hostess escorts me to my table ; however, before I reach my table, I am assaulted by seven different restaurant employees, I slip on the floor where they should have put a " Caution : Wet Floor '' Sign, and all the while, the hostess is telling me that it is okay, that this is normal, and that if I want to get my hamburger and eat, this is the process that I must go through. They let me know that, although I could go to another restaurant, I am already this far into the restaurant, and it would take longer to go to another restaurant, place another order, and wait for your food there, wouldn't it? I am not going to continue, because I hope that the reader understands my analogy. XXXX XXXX was supposed to provide more than {$7000.00}. They were supposed to provide a financial product, which includes the servicing and underwriting of the loan. They used a technicality to get out of filling the loan within 30 days, and, as a result, I was ( figuratively ) " assaulted by seven different restaurant employees, etc.. '' And that is is truth : the amount of personal injury, harm, and duress that I have undergone this past year as a result of their corporate negligence is in the MILLIONS of dollars. I ask that XXXX XXXX drop this loan in the interests of a clean break and as a means of compensation for this harrowing experience, the sequence of events which followed, have almost claimed my life several times. THAT is the " XXXX XXXX Experience '' that I am going to write about ...
Company Response:
State: CA
Zip: 91324
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello, I currently have a mortgage with Keybank after purchasing a home in XX/XX/XXXX. I went into forbearance for 6 months due to COVID. The forbearance period started in XX/XX/XXXX and finished in XX/XX/XXXX. During that time, I missed a total of 6 mortgage payments, in total about XXXX. However, all 6 of those payments WERE ADDED AS PRINCIPAL balance to my loan! In essence, after the forbearance period was over, I owe more on my house than the original purchase price, which is a gross miscalculation of the missed payments. My original loan amount was XXXX. I've been paying it down from XX/XX/XXXX through XX/XX/XXXX. Does it make sense that, after 6 months of forbearance, I now owe more on my loan ( XXXX ) than when the loan was first issued?! To provide context, I also went into forbearance 2 other mortgages for a few rental properties at both XXXX XXXX XXXX and XXXX XXXX XXXX. In each case, all of 6 of the missed payments went to the back of their respective loans as a balloon payment, similar to how KeyBank is treating forbearance. However, the principal balance on those mortgages did not change, which is exactly what I was expecting. Instead, payments that I missed simply increased the amount of the last payment, but did not increase my loan size. After calling the KeyBank loss mitigation team several times, they have insisted that their treatment of the loan is correct, and that the principal balance does increase during forbearance. In other words, I owe an EXTRA XXXX as a result of forbearance!!! This goes against my understanding and the understanding of other mortgage specialists that I've spoken to on this matter. Please contact them on my behalf as they are refusing to do anything further to adjust the loan. They have also reported this larger loan balance on my credit report, and is now hurting my chances at a refinance. My concern also lies with their other customers. If they have this treatment across the board, it is an egregious miscalculation across many of their clients, some of whom are not aware that this is going on.
Company Response:
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Problem with customer service
Subissue:
Consumer Complaint: I received a check from key bank I tried to cash the check they are saying the check is no good I also took it to a bank and called key bank so many times they are not helping me
Company Response:
State: NY
Zip: 114XX
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A