Date Received: 2021-01-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2020 at XXXX {$500.00} was removed from my account by : XXXX XXXX XXXX XXXX XXXX VIA WEB XXXX WI ACH WEB I have no payment arrangements made with anyone nor did I owe anyone {$500.00} nor have I spent that specific amount. Key Bank denied my claim so now Im sitting here stuck wondering, who, why, how and How do I get my {$500.00} back?!
Company Response:
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: This complaint is against : KeyBank / Key Corp XXXX XXXX XXXX, XXXX, OH XXXX www.key.com Respected CFPB Officer, I want to file a complaint against Key Bank for discrimination, retaliation, unlawful delay in closing account, unethical and excessive fees. In addition I want to file report that Key Bank is potentially violating the State of CT Governor 's moratorium and federal guidelines on fees during the Coronavirus pandemic. Details and timeline Personal bankers from XXXX XXXX XXXX came to my home in XXXX and took signatures to open at least 3 different accounts under explicit promise of No fees whatsoever for the life of accounts and one of them is a Commercial Line of Credit account. XXXX XXXX XXXX was acquired by Key bank and now it became Key Bank sometime in XXXX. In XXXX of XXXX, I received fees of {$150.00} for the first time on this commercial line of credit account. I immediately contacted my Key Bank banker XXXX XXXX to waive these fees as it was a breach of promise and closed the commercial line of credit account immediately. Attached here my written email request as evidence. Mr. XXXX responded that he will update me but I never heard from him again until today. On XX/XX/XXXX, I called customer service to close this commercial line of credit account and waiver of {$150.00} fees which the customer service associate sent me form for ( attached here as evidence XXXX and mentioned to write in form requesting waiver in closure form and fax it. On XX/XX/XXXX, I was charged another {$150.00} fees. On XX/XX/XXXX, I filled out the form and FAXED as requested by the customer service associate, attached here original faxed form and successful fax transmission receipt. On XX/XX/XXXX, I was charged additional {$300.00} fees with the future date of XX/XX/XXXX!!! This is the first time I saw in my life future dated fees and clear retaliation to not close my account. On XX/XX/XXXX, I followed up again with customer service and gave reference number XXXX after talking to customer service associate Ms. XXXX XXXX and gave 3 business days to close this account. Today on XX/XX/XXXX, I saw an account not closed yet so I called customer service with a given reference number who said it will take another 2 business days. Also the customer service associate gave me personal banker XXXX XXXX 's phone number. I called XXXX XXXX who informed me he is no longer part of retail and works in merchant services so can not help me and gave me XXXX XXXX 's branch name and branch number. XXXX gave me information on XXXX XXXX who is copied here. I have spent at least 8 hours on chasing Key Bank to close my account which was never used. Please note I have not used a single dollar from this commercial line of credit in all these years. I hope that this complaint will raise awareness with the government and regulators which will result in overall betterment and stop unlawful and unethical practises. Please feel free to contact me if I can provide additional details or information. Sincerely,
Company Response:
State: GA
Zip: 318XX
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I live in XXXX, Ohio. Key Bank sent me an unsolicited offer in the summer of 2020 to receive {$400.00} if I opened a Key Bank checking account, and deposited {$500.00} for at least 3 months. The exact language was " one time direct deposit of {$500.00} '' - language which was not highlighted or explained. I took that language to mean I needed to transfer {$500.00} at least once, in a direct deposit. In other words, I could not satisfy the requirement by an intra bank transfer from a CD or another Key Bank account under my control. They provided NO definition of their terms, or intentions. I opened a new Key Bank account and deposited a check for {$500.00} from external sources. 4 months later, I asked when my {$400.00} would be paid. I was then told, for the first time, that the bank required me to have at least {$500.00} deposited directly from my employer or other governmental income. I am retired and do not have an employer. I do not yet draw Social Security from my earnings. This is the first time I have been told of this requirement by Key Bank. Their letter did not say it was limited to those currently employed or drawing Social Security. During this period, Key Bank has had my {$500.00}, and I have been paying at least $ XXXX/month in various bank fees. This is a deceptive trade practice that fraudulently induced consumers to transfer assets on the promise of a {$400.00} windfall that is subject to requirements that are never set forth in detail.
Company Response:
State: OH
Zip: 43606
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a complaint against EWS early warning services. This consumer agency has cause me huge amount of stress and financial hardship. This highly upsetting. Theyre reporting incorrect information, refuse to remove it and how the XXXX information is creating problems with my banking institution XXXX XXXX XXXX XXXX XXXX XXXX. I want justice for frivolous actions that EWS is doing. This been a going on since XXXX of 2020. I have provided them everything include evidence of EWS and Key Bank errors and misreporting.
Company Response:
State: WA
Zip: 98055
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I paid for moving services by a company called XXXX XXXX I gave them my checking account information and they cashed my check the next day. I canceled service the following day and still I have not received services or refund back. I called my bank Keybank and asked for assistance in getting my money back and they told me because it was not like an ACH even though I gave them my checking account number they couldnt get my money back for me so I am out {$750.00} to this company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone : ( XXXX ) XXXX DOT # : XXXX MC # : XXXX This was their correspondence Hello XXXX, Thank you for your interest in XXXX XXXX XXXX XXXX XXXX Please click on your reference number XXXX to view your moving estimate. Thank You and Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Ext. XXXX XXXX https : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Binding Moving Estimate Reference No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX US DOT : XXXX MC : XXXX Customer Rep : XXXX XXXX Phone : ( XXXX ) XXXX Ext. XXXX Email : XXXX Web : XXXX : XXXX Moving From Moving To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX Phone : Storage phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Extra Stop / Notes can take on del XXXX Storage phone number XXXX XXXX XXXX Details Job No : XXXX Estimate Date : XX/XX/XXXX Representative : XXXX XXXX XXXX XXXX : Residential Long Distance, XXXX miles Estimated Volume : 2904 lbs. ( 415 cf. ) Estimated Rate : {$0.00} per lbs Move Day : Monday/Tuesday Requested Move Date : XXXX Created on : XX/XX/XXXX Optional Service : XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} Relocation Estimate Total XXXX {$3500.00} XXXX Discount : 63.62 % - {$2200.00} Basic Estimate Price {$1300.00} Fuel Surcharge : 7.00 % {$91.00} 30 Free Days Of Storage/ free delivery {$0.00} 2nd stop at pickup XXXX XXXX miles {$310.00} Binding Estimate Fee {$700.00} Early Booking Discount - {$200.00} Basic Valuation Protection : {$0.00} per lbs. per article {$0.00} Total Moving Estimate {$2200.00} Customer Payment {$750.00} Full Value Protection Amount of Liability : {$17000.00} ( Optional ) Deductible Levels : {$0.00} {$250.00} {$500.00} {$750.00} {$1000.00} {$1500.00} Valuation Charge : {$0.00} {$0.00} {$470.00} {$0.00} {$0.00} {$0.00} Total Estimate Plus Valuation Charge : {$2200.00} {$2200.00} {$2600.00} {$2200.00} {$2200.00} {$2200.00} Customer 's Initials : x_________ x_________ x_________ x_________ x_________ x_________ WARNING : If a moving company loses or damages your goods, there are 2 different standards for the company`s liability based on the types of rates you pay. BY FEDERAL LAW, THIS FORM MUST CONTAIN A FILLED-IN ESTIMATE OF THE COST OF A MOVE FOR WHICH THE MOVING COMPANY IS LIABLE FOR THE FULL ( REPLACEMENT ) VALUE OF YOUR GOODS in the event of loss of, or damage to, the goods. This form may also contain an estimate of the cost of a move in which the moving company is liable for FAR LESS than the replacement value of your goods, typically at a lower cost to you. You will select the liability level later, on the bill of lading ( contract ) for your move. Before selecting a liability level, please read Your Rights and Responsibilities When You Move, and Ready to Move Brochure provided by the moving company, and seek further information at the government website www.protectyourmove.gov Understanding Your Estimate LONG DISTANCE This contract is between XXXX XXXX XXXX, and the Customer listed above. Based on the information and inventory provided by the customer, XXXX XXXX XXXX will provide the customer with all packing, moving, and storage services requested at the time this estimate was prepared and signed. Customer understands to notify us of any changes to the contract, including adding or removing any items, or should they require any additional services so we can make proper adjustments to the Scheduling, Pricing, Supplies, Inventory, or Pickup/Delivery changes with the goal to properly accommodate the customer. This estimate includes the following : Professional Door to Door service. Expert advice and guidance throughout the course of your move. Disassembly of all standard furniture required for safe movement at the origin. Reassembly for all items disassembled by the movers on the day of pick-up at destination. Wrapping of all furniture with our own quilted moving blankets. Itemized inventory indicating each item, and condition at origin of items. Loading & unloading of all goods. Price includes all taxes, tolls, mileage, and fuel surcharges. Standard cargo insurance up to {$10000.00} No elevator charges. No date change penalties as long as your request is made more than 7 days before your originally scheduled pick-up date. Here is a list of any special costs. Please read carefully, and let us know ahead of time if any of these situations apply to your move : Specific situations where charges not documented may apply ; here is a guide of common occurrences. Please inform us ahead of time if you fit any of the following : Any additional packing or items that may need special crating ( if not already in estimate ) Antiques, Motorcycle, etc The loading of any bulky items ( Piano, Grandfather Clock, Kayak, etc. ) We offer full packing services if desired. If a full pack is included, XXXX XXXX XXXX will coordinate all labor and materials needed to professionally pack all your belongings. This includes all boxes, furniture, and delicate/fragile items. If more household items are added at time of pick up, then the total price for full service packing will be increased and adjusted by the rate already provided. The customer will receive a new written agreement at time of this revision. Any specific delicate items not being packed by the customer. ( Televisions, Glass or Glass Table Tops, Marble, etc. ) A shuttle service can be set up if necessary. For instance, a semi can not fit down your narrow street or through your gate. If circumstances prohibit a semi-trailer to get close to the property for loading or unloading, a shuttle truck may be needed to complete the service. We will load up the smaller truck, and load the items onto the Semi from there. This may involve multiple trips. This can be arranged for a minimum charge of XXXX dollars for smaller truck and additional labor. If there are more than one flight of stairs ( Up to 12 steps ), a fee of XXXX dollars per additional flight will be applied. Long carry ( first 75 feet from front door are included ), anything after 75 feet will be re-adjusted by the XXXX. XXXX XXXX XXXX will be sure to make your move an easy and informed process Call us directly for information about revisions to your contract. Be sure to accept your paperwork and an itemized inventory on pickup. If packing services are included in the estimate, please have the value of any specific valuable item written on the estimate. TERMS AND CONDITIONS : THE PROVISIONS OF THIS AGREEMENT, INCLUDING THE TERMS AND CONDITIONS CONTAINED HEREIN, REPRESENT THE ENTIRE UNDERSTANDING AND AGREEMENT BETWEEN XXXX XXXX XXXX, ( HEREAFTER XXXX XXXX XXXX ) AND CUSTOMER WITH RESPECT TO THE SUBJECT MATTER HEREOF AND SUPERSEDES ALL OTHER NEGOTIATIONS, UNDERSTANDINGS, AND REPRESENTATIONS ( IF ANY ) MADE BY AND BETWEEN SUCH PARTIES, INCLUDING ANY REPRESENTATION MADE BY ANY ESTIMATOR. IN THE EVENT OF ANY CONFLICT BETWEEN THE TERMS OF ANY ESTIMATE AND THE BILL OF LADING, THE TERMS OF THE BILL OF LADING SHALL CONTROL. THIS AGREEMENT MAY NOT BE AMENDED, SUPPLEMENTED OR WAIVED ORALLY, BUT ONLY IN WRITING, SIGNED BY BOTH XXXX XXXX XXXX AND THE CUSTOMER, AND MAKING SPECIFIC REFERENCE TO THIS AGREEMENT. CUSTOMER MAY NOT ASSIGN ITS RIGHTS OR OBLIGATIONS UNDER THIS AGREEMENT WITHOUT THE PRIOR WRITTEN CONSENT OF XXXX XXXX XXXX. NOTHING IN THIS AGREEMENT, WHETHER EXPRESSED OR IMPLIED, IS INTENDED TO CONFER ANY RIGHTS OR REMEDIES ON ANY PERSON OTHER THAN THE PARTIES HERETO AND THEIR RESPECTIVE LEGAL REPRESENTATIVES, HEIRS AND PERMITTED ASSIGNS, NOR IS ANYTHING IN THIS AGREEMENT INTENDED TO RELIEVE OR DISCHARGE THE OBLIGATION OR LIABILITY OF ANY THIRD PERSON TO ANY PARTY TO THIS AGREEMENT, NOR SHALL ANY PROVISION GIVE ANY THIRD PERSON ANY RIGHT OF SUBJUGATION OR ACTION OVER OR AGAINST ANY PARTY TO THIS AGREEMENT. CUSTOMER HAS HIRED XXXX XXXX XXXX AS THEIR MOVING COORDINATOR/BROKER/SHIPPER AGENT, NOT TO HANDLE OR OTHERWISE PARTICIPATE IN THE MOVE AS LABOR OR CARRIER IN ACTING AS A SHIPPER AGENT ONLY, XXXX XXXX XXXX IS NOT RESPONSIBLE FOR ANY ACTS OR OMISSIONS OF THE CARRIER OR ITS EMPLOYEES OR AGENTS. CUSTOMER MUST PURSUE THE CARRIER FOR ALL CLAIMS FOR PROPERTY DAMAGE, PERSONAL INJURY, OR DEATH, INCLUDING WITHOUT LIMITATION, ANY CLAIMS FOR DAMAGE TO PROPERTY, STOLEN GOODS, LOST ITEMS, DELAYED PICKUP OR DELIVERY, ACTIONS OF ESTIMATORS, DRIVERS, PACKERS, OR MOVERS. XXXX XXXX XXXX WILL ACT ON BEHALF OF THE CUSTOMER IN RESOLVING ANY CLAIMS OR DELAY ISSUES WITH THE CARRIER, THE CARRIER 'S MAXIMUM LIABILITY IS LIMITED TO THE LESSER OF THE FOLLOWING : ( A ) THE AMOUNT OF THE ACTUAL LOSS OR DAMAGE, ( B ) AN AMOUNT EQUAL TO XXXX XXXX ( XXXX XXXX ) PER POUND MULTIPLIED BY THE ACTUAL WEIGHT ( IN POUNDS ) OF THE LOST OR DAMAGED ARTICLE ; OR ( C ) THE LUMP SUM DECLARED VALUE. AS A PROPERLY LICENSED INTERSTATE MOVING COORDINATOR/BROKER/SHIPPER AGENT, XXXX XXXX XXXX IS NOT A MOTOR CARRIER AND WILL NOT TRANSPORT AN INDIVIDUAL CUSTOMER/SHIPPER 'S HOUSEHOLD GOODS, BUT WILL COORDINATE AND ARRANGE FOR THE TRANSPORTATION OF HOUSEHOLD GOODS BY ANY XXXX AUTHORIZED MOTOR CARRIER, WHOSE CHARGES WILL BE DETERMINED BY ITS PUBLISHED TARIFF. ALL ESTIMATED CHARGES AND FINAL ACTUAL CHARGES WILL BE BASED UPON THE CARRIER 'S TARIFF WHICH IS AVAILABLE FOR INSPECTION FROM THE CARRIER UPON REASONABLE REQUEST. DUE TO THE SITUATIONS BEYOND OUR CONTROL SUCH AS BUT NOT LIMITED TO INCLEMENT WEATHER, MECHANICAL ISSUES XXXX ROAD CONSTRUCTION, REMOTE PICKUPS OR DROP OFF LOCATIONS, DIFFICULT OR LIMITED LANES OF TRAVEL, ETC, WE DO LEAVE A THREE DAY WINDOW FOR ANY PICKUP OR DROP OFF DATES GIVEN. XXXX XXXX XXXX AGREES TO FACILITATE THE MOVE OF YOUR HOUSEHOLD ITEMS AS PROMPTLY AS POSSIBLE AND IN ACCORDANCE WITH THE INFORMATION PROVIDED REGARDING YOUR ITEMS MOVING FROM ORIGIN TO DESTINATION. CUSTOMER WILL BE SUBJECT TO ALL APPLICABLE LAWS AND THE GENERAL TERMS AND CONDITIONS OF THE CARRIER, WHICH SHALL INCLUDE WITHOUT LIMITATION, A REQUIREMENT THAT PAYMENT IN FULL OF ALL CHARGES IS DUE BEFORE UNLOADING OF THE GOODS IN ACCORDANCE WITH THE CARRIERS LAWFUL LIEN ON THE PROPERTY. AS THE CUSTOMER, I AGREE TO PAY THE TOTAL CHARGES FOR THE MOVING COORDINATOR SERVICES TO BE PROVIDED BY XXXX XXXX XXXX. I UNDERSTAND AND AGREE THAT MY DEPOSIT/FEE REPRESENTS ONLY A PORTION OF MY TOTAL ESTIMATED MOVING SERVICE CHARGES, FOR SCHEDULING, RESERVATION, AND ROUTING PURPOSES. MY DEPOSIT IS NON REFUNDABLE AFTER PLACING THE RESERVATION FOR SCHEDULING PURPOSES. ANY CANCELLATION WITHIN SEVENTY-TWO HOURS OF PLACING MY RESERVATION WITH XXXX XXXX XXXX, CUSTOMER MUST SEND AN EMAIL TO XXXX. EXPLAINING ANY REASONS FOR THE CANCELLATION. ALL REQUESTS TO CHANGE MY PICK UP DATE, OR PLACE THE MOVE ON HOLD, MUST BE MADE AT LEAST SEVEN BUSINESS DAYS ( SATURDAYS, SUNDAYS, AND HOLIDAYS EXCLUDED ) PRIOR TO THE PACK OR LOAD DATE ( WHICHEVER APPLIES ) LISTED ABOVE OR SUBJECTED TO A MINIMUM OF XXXX XXXX DOLLAR RESCHEDULING FEE COLLECTED FROM THE CUSTOMER. I AM ENTITLED TO RECEIVE A CREDIT OF MY DEPOSIT FOR A FUTURE INTERSTATE MOVE WHICH I CAN USE WITHIN A TWELVE MONTH PERIOD FROM THE DATE OF MY ORIGINAL RESERVATION. ALL DEPOSITS WILL SHOW ON YOUR BILLING CYCLE UNDER XXXX XXXX XXXX. CUSTOMER HAS ELECTED A " BINDING '' PRICE, THE TOTAL COST WILL NOT EXCEED THE ESTIMATED AMOUNT ; PROVIDED, HOWEVER THAT THE CUSTOMER PROVIDES XXXX XXXX XXXX WITH AN ACCURATE DESCRIPTION OF THE ITEMS TO BE MOVED, AND THE SERVICES TO BE PERFORMED. CUSTOMER HAS REQUESTED TO HAVE AN ESTIMATE PROVIDED FOR HIS/HER HOUSEHOLD GOODS RELOCATION, IN ACCORDANCE WITH THE 49 CFR 371.113 ( C ) ( 1 ), CUSTOMER AGREES TO WAIVE A PHYSICAL SURVEY OF THE HOUSEHOLD GOODS, AND ALTERNATIVELY AGREES TO RECEIVE A BINDING ESTIMATE BASED UPON THE SHIPPER PROVIDED ITEM LIST OF PROPERTY TO BE TRANSPORTED. IF ANY ADDITIONAL PIECES, PACKING SERVICES, WEIGHT, OR LABOR SERVICES ARE ADDED AT THE ORIGIN OR DESTINATION TO THOSE QUOTED, THE CUSTOMER SHALL BE CHARGED FOR THESE SERVICES AT THE GOVERNING TARIFF RATES. CUSTOMER UNDERSTANDS THAT XXXX XXXX XXXX HAS A TWO THOUSAND POUND MINIMUM ON ALL SHIPMENTS, ANY SHIPMENT BELOW TWO THOUSAND POUNDS WILL BE CHARGED AT THE TWO THOUSAND POUND RATE. THE PRICE INCLUDES ALL FUEL SURCHARGES, TOLLS, LOADING AND UNLOADING, BASIC DISASSEMBLY AND REASSEMBLY OF STANDARD FURNITURE ITEMS, UP TO SEVENTY_FIVE FEET FROM FRONT DOOR OF LONG CARRY AT ORIGIN AND DESTINATION, AND ONE FLIGHT OF STAIRS ( TWELVE STEPS ). ELABORATE FURNITURE ITEMS THAT NEED TO BE DISASSEMBLED AND/OR REASSEMBLED MAY REQUIRE THIRD PARTY SERVICING OR ADDITIONAL LABOR AND SHOULD BE DISCLOSED TO YOUR ESTIMATOR AND INCLUDED IN YOUR ESTIMATE. DISCONNECTING AND/OR RECONNECTING OF APPLIANCES IS NOT INCLUDED IN THE PRICE. REASSEMBLY IS SUBJECT TO THE AVAILABILITY OF TOOLS, AND/OR ALL PARTIES BEING AVAILABLE. THE PACKING AND UNPACKING OF BOXES IS ONLY INCLUDED IN THE PRICE IF IT IS ITEMIZED IN THE PACKING AND UNPACKING SECTION OF YOUR ESTIMATE ; ALL MATERIALS/LABOR FOR UNDISCLOSED ITEMS WILL BE EXTRA. ALL OF THE TERMS AND PROVISIONS OF THIS AGREEMENT, WHETHER SO EXPRESSED OR NOT, SHALL BE BINDING UPON, INURE TO THE BENEFIT OF, AND BE ENFORCEABLE BY THE PARTIES AND THEIR RESPECTIVE ADMINISTRATORS, EXECUTORS, LEGAL REPRESENTATIVES, HEIRS, SUCCESSORS, AND PERMITTED ASSIGNS. CUSTOMER SHALL INDEMNIFY AND HOLD HARMLESS XXXX XXXX XXXX AND ITS SHAREHOLDERS, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES FROM AND AGAINST ANY AND ALL ACTIONS, CLAIMS, SUITS, LIABILITIES, PROCEEDINGS, PENALTIES, FINES, COSTS, AND EXPENSES ( INCLUDING ALL REASONABLE ATTORNEY FEES ) RELATING DIRECTLY OR INDIRECTLY FROM ANY BREACH OF THIS AGREEMENT BY THE CUSTOMER. IT IS AGREED BY THE PARTIES AS MANDATORY THAT THIS AGREEMENT SHALL BE GOVERNED BY THE INTERNAL LAWS OF THE STATE OF FLORIDA WITHOUT REGARD TO THE PRINCIPLES OF CONFLICTS OF LAW. ANY DISPUTE ARISING OUT OF OR RELATING TO THIS AGREEMENT SHALL BE BROUGHT IN THE COURTS OR RECORD OF THE STATE OF FLORIDA OR IN THE COURT OF THE UNITED STATES. IF ANY PARTY DOES NOT HAVE A REGISTERED AGENT TO ACCEPT SERVICE OR PROCESS IN FLORIDA OR IS NOT OTHERWISE SUBJECT TO SERVICE AFTER REASONABLE ATTEMPTS, THEN SUCH PARTY AGREES TO ACCEPT SERVICE OR PROCESS BY U.S. MAIL. IN THE EVENT OF ANY CONTROVERSY ARISING UNDER OR RELATING TO THE INTERPRETATION OR IMPLEMENTATION OF THIS AGREEMENT OR ANY BREACH THEREOF, XXXX XXXX XXXX SHALL BE ENTITLED TO RECOVER ALL OF ITS COURT COSTS, COLLECTION FEES, EXPENSES, AND REASONABLE ATTORNEY 'S FEES ( INCLUDING, WITHOUT LIMITATION, ALL PRETRIAL, TRIAL, AND APPELLATE PROCEEDINGS ), IN ADDITION TO ANY OTHER RELIEF TO WHICH IT MAY BE ENTITLED. IN THE EVEN THAT XXXX XXXX XXXX PURSUES THE COLLECTION OF ANY AMOUNTS DUE TO IT UNDER THIS AGREEMENT, XXXX XXXX XXXX XXXX RECOVER FULL TARIFF RATE ON ALL GOODS AND SERVICES PROVIDED, IN ADDITION TO ALL OTHER REMEDIES AVAILABLE TO IT AT LAW AND IN EQUITY. ALL PICKUP, LOAD AND/OR DELIVERY DATES ARE ESTIMATES. XXXX XXXX XXXX IS NOT RESPONSIBLE FOR LOSS OR DAMAGE INCURRED BY UNAVOIDABLE DELAY, XXXX XXXX XXXX WILL ALWAYS ACT ON BEHALF OF THE CUSTOMER IN RESOLVING ANY CLAIMS OR DELAY ISSUES WITH THE ASSIGNED CARRIER. THERE ARE ABSOLUTELY NO GUARANTEES MADE, EXPRESSED OR IMPLIED REGARDING TIME FOR PACKING, LOADING, AND/OR DELIVERY DATES. MOTOR CARRIER NEUTRAL ARBITRATION PROGRAM : THE MOTOR CARRIERS NEUTRAL ARBITRATION PROGRAM HAS BEEN DESIGNED TO GIVE NEITHER PARTY ANY SPECIAL ADVANTAGE. IF A DISPUTE ARISES BETWEEN THE CARRIER AND THE SHIPPER, ARBITRATION MAY BE A MUTUALLY BENEFICIAL ALTERNATIVE TO HELP RESOLVE THE DISPUTE. SECTION 49 U.S.C. SECTIONS 375.211 PROVIDES THAT A MOVER MUST HAVE A PROGRAM IN PLACE TO PROVIDE SHIPPERS WITH AN ARBITRATION ALTERNATIVE. ARBITRATION IS OPTIONAL AND NOT REQUIRED UNDER FEDERAL LAW, SUMMARY OF THE ARBITRATION PROCESS : ARBITRATION IS AN ALTERNATIVE TO COURTROOM LITIGATION. IT PROVIDES EACH PARTY TO THE DISPUTE TO PRESENT THEIR CASE AND ALLOWS A NEUTRAL THIRD PARTY ARBITRATOR TO MAKE DECISIONS AS TO THE MERIT OF EACH SIDES CASE. ARBITRATION SUBJECT TO THIS AGREEMENT SHALL BE CONDUCTED VIA WRITTEN SUBMISSIONS AND, SUBJECT TO THE ARBITRATORS DISCRETION, THROUGH TELEPHONIC APPEARANCE. AFTER THE INITIAL FILING FEES HAVE BEEN PAID AND THE ARBITRATOR SELECTED, THE INITIATING PARTY OR ( CLAIMANT ) MUST SUBMIT A WRITTEN BRIEF SUMMARIZING THEIR LEGAL POSITION AND FACTUAL CLAIMS. ALL SUPPORTING DOCUMENTATION MUST BE INCLUDED WITH THE INITIAL ARBITRATION BRIEF. COPIES OF ALL DOCUMENTS MUST BE SUBMITTED TO ALL PARTIES INVOLVED IN THE ARBITRATION. UPON RECEIPT OF THE CLAIMANTS ARBITRATION BRIEF AND SUPPORTING DOCUMENTS, THE RESPONDING PARTY OR ( RESPONDENT ) WILL HAVE 30 DAYS TO FILE THEIR RESPONSIVE ARBITRATION BRIEF AND SUPPORTING DOCUMENTATION. FURTHER DEADLINES AND TIMETABLES ARE SUBJECT TO THE ARBITRATORS DISCRETION. LEGAL EFFECTS ; IF THE ARBITRATION ALTERNATIVE IS CHOSEN, THEN ANY DECISION MADE BY THE ARBITRATOR MAY BE BINDING. ADDITIONALLY, AN ARBITRATION DECISION MAY NOT BE APPEALED IN A COURT OF LAW. ALL PARTIES AGREE THAT THE ARBITRATORS DECISION WILL BE BASED EXCLUSIVELY ON THE GOVERNING UNITED STATES FEDERAL LAW WITHOUT REGARD TO CONFLICTING STATE LAWS OR REGULATIONS. APPLICABLE COSTS EACH PARTY IS RESPONSIBLE FOR THEIR OWN COST ASSOCIATED WITH ARBITRATION. A BENEFIT TO THE ARBITRATION ALTERNATIVE MAY BE THAT IT IS LESS EXPENSIVE THAN TRADITIONAL LITIGATION. EACH PARTY IS RESPONSIBLE FOR XXXX PERCENT OF THE COST ASSOCIATED WITH SECURING THE ARBITRATOR AND ONE HUNDRED PERCENT OF THEIR OWN EXPENSES, INCLUDING BUT NOT LIMITED TO ATTORNEY FEES. UPON BOOKING, UP TO ONE HUNDRED PERCENT DEPOSIT FEE OF TOTAL MOVE COST IS POSSIBLE TO BE PAID BY CREDIT CARD ( VISA, MASTERCARD, XXXX, OR VIRTUAL CHECK ) OR BANK WIRE AND OR DIRECT DEPOSIT INTO COMPANY ACCOUNT. UPON PICKUP, CARRIER MAY COLLECT UP TO SEVENTY PERCENT OF ANY REMAINING BALANCE, IF THE CUSTOMER IS GOING TO THIRTY DAYS OF STORAGE OR LONGER. PAYMENT WILL BE DUE IN THE FORM OF CASH, CERTIFIED CHECK, POSTAL MONEY ORDER. THE REMAINING BALANCE MUST BE PAID IN FULL UPON DELIVERY BY CASH OR POSTAL MONEY ORDER. THE CARRIER RESERVES THE RIGHT TO COLLECT UP TO SEVENTY PERCENT OF ANY REMAINING BALANCE DUE PRIOR TO THE GOODS LEAVING THE ORIGIN STATE. SUBJECT TO FEDERAL LAW, PAYMENT IN FULL OF ALL CHARGES IS REQUIRED BEFORE DELIVERY AND PRIOR TO UNLOADING. THE CUSTOMER UNDERSTAND AND AGREES THAT SHOULD THE CUSTOMER FAIL TO EXECUTE OR RETURN THIS AGREEMENT, BY ALLOWING A CARRIER DESIGNATED BY XXXX XXXX XXXX TO PICK UP THE CUSTOMERS BELONGINGS, THE CUSTOMER EXPRESSLY AGREES AND CONSENTS TO THE TERMS CONTAINED IN THIS AGREEMENT. CUSTOMER HEREBY KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVES THE RIGHT OT A TRIAL BY JURY IN RESPECT OF ANY LITIGATION BASED HERON, OR ARISING OUT OF, UNDER OR IN CONNECTION WITH THE GOODS AND SERVICES OBTAINED HERE UNDER, THE MOVE, OR ANY COURSE OF CONDUCT, COURSE OF DEALING, STATEMENTS ( VERBAL OR WRITTEN ) OR ACTIONS OF XXXX XXXX XXXX OR THE MOVER. CUSTOMER ACKNOWLEDGES THAT THIS WAIVER CONSTITUTES A MATERIAL INDUCEMENT TO XXXX XXXX XXXX TO ENTER INTO THIS AGREEMENT. THE CUSTOMER AGREES THAT FAILURE TO PROVIDE WRITTEN DOCUMENTATION TO XXXX CLAIMING THAT THE TERMS AND CONDITIONS WERE NOT ADHERED TO BY XXXX XXXX XXXX FORFEITS THE RIGHT TO DISPUTE THIS CLAIM WITH THEIR ISSUING CARD PROVIDER. AS THE CUSTOMER, I AGREE THAT ANY REFUSAL OR DENIAL OF SERVICE, EITHER VERBALLY, IN PERSON, OR OVER THE PHONE, WILL BE TREATED AS A LATE CANCELLATION MADE OUTSIDE OF THE CANCELLATION WINDOW. IF THE CARRIER ARRIVES TO MY HOME AND THE CUSTOMER REFUSES TO BE SERVICED, THE CUSTOMER UNDERSTANDS THEIR DEPOSIT WILL BE FORFEITED IN FULL FOR SCHEDULING, RESERVATION, AND TIME SPENT PURPOSES. I UNDERSTAND THAT NO REFUND WILL BE ISSUED IF I REFUSE OR DENY SERVICE ON THE DAY OF PICK UP. IF I CLAIM THAT SERVICE WAS NOT RENDERED I MUST PROVIDE NOTICE OF ANY SERVICE FAILURE MADE BY XXXX XXXX XXXX IN WRITING TO XXXX. ANY CANCELLATION MADE WITHIN FOURTEEN BUSINESS DAYS OF PICKUP DATE, AFTER A CARRIER HAS BEEN ASSIGNED AND DISPATCHED, WILL ALSO BE TREATED AS A LATE CANCELLATION, AND RESULT IN FORFEIT OF DEPOSIT. IF CUSTOMER BOOKS THEIR MOVE WITHIN FOURTEEN BUSINESS DAYS OF PICKUP DATE, THE SEVENTY TWO HOUR WINDOW IS NULL AND VOID DUE TO IMMEDIATE SCHEDULING AND RESERVATION REASONS. A TEN PERCENT CANCELLATION FEE OF THE DEPOSIT WILL BE CHARGED ON ALL CREDIT CARD REFUNDS. XXXX XXXX XXXX IS NOT REQUIRED TO PROVIDE PROOF OF SERVICE DENIAL, THIS WILL BE THE CUSTOMERS RESPONSIBILITY. AS THE CUSTOMER, I AGREE TO THE APPLICABLE TERMS AND CONDITIONS RELATING TO PICKUP AND DELIVERY DATES DETAILED IN SECTION FOURTEEN. I AGREE THAT XXXX XXXX XXXX DOES NOT HAVE THE ABILITY TO OBTAIN SIGNED DOCUMENTATION VERIFYING A SERVICE REFUSAL. AS THE CUSTOMER, I AGREE THAT XXXX XXXX XXXX WILL NOT BE REQUIRED TO PROVIDE PROOF OF SERVICE IN THE CASE OF A SERVICE DENIAL OR REFUSAL OF SERVICE. XXXX XXXX XXXX FOR SCHEDULING AND DISPATCH PURPOSES, RESERVES THE RIGHT TO RETAIN THE DEPOSIT OF THE CUSTOMER WHO VERBALLY REFUSES OR DENIES SERVICE WITHOUT WRITTEN DOCUMENTATION. IN SIGNING THIS AGREEMENT I, THE CUSTOMER, AGREE THAT XXXX XXXX XXXX HAS PROVIDED ME WITH A DATED COPY OF THE ESTIMATE AND CHARGES AT THE TIME I SIGNED THE AGREEMENT. XXXX XXXX XXXX HAS PROVIDED ME WITH NOTIFICATION OF THE METHODS OF PAYMENT REQUIRED TO PAY THE MOTOR CARRIER FOR BALANCES DUE. ALL COSTS AND CHARGES ARE CLEARLY INDICATED IN THIS ESTIMATE, AND THE CHARGES REPRESENTED ON THIS ESTIMATE ARE ONLY FOR THE SERVICES AND INVENTORY SPECIFICALLY INDICATED ON THIS ESTIMATE. XXXX XXXX XXXX EXPRESSED THEIR ROLE AS A MOVING COORDINATOR/BROKER/SHIPPER AGENT TO ME PRIOR TO PLACING THIS RESERVATION. BOTH XXXX XXXX XXXX AND THE CUSTOMER AGREE TO ADHERE TO THIS CONTRACT IN ITS ENTIRETY, AND XXXX XXXX XXXX FULL INTENTIONS ARE TO MAKE THE CUSTOMERS MOVING EXPERIENCE WORRY FREE. WE APPRECIATE YOUR BUSINESS, YOU ARE A VALUED CUSTOMER. Articles List 16 Items, 47 Pieces Qty Items 1 ANTIQU DESK 1 BED - BOX SPRING 1 BED FRAME 10 BOX, MEDIUM PBO 18X18X18 1 BUFFET, BASE 1 CHAIR, CLUB Qty Items 1 CHAIR, WINGBACK 1 CHEST OF DRAWERS, SMALL 1 CHEST, CEDAR 1 DRESSER, SINGLE 1 HUTCH Qty Items 2 MIRROR, LG. 20 PLASTIC BIN, MED. 2 SOFA, 2 LOVESEAT 2 TABLE, END 1 VANITY, DRESSER Packing Material List Qty Material Unit Price $ Qty Material Unit Price $ Qty Material Unit Price $ Click on Online Electronic Signature to confirm your move online. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Binding Moving Estimate Reference No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX DOT : XXXX MC : XXXX Customer Rep : XXXX XXXX Phone : ( XXXX ) XXXX Ext. XXXX Email : XXXX Web : XXXX XXXX XXXX Relocation Details Job No : XXXX Estimate Date : XX/XX/XXXX Representative : XXXX XXXX XXXX XXXX : Residential Long Distance, 729 miles Estimated Volume : 2904 lbs. ( 415 cf. ) Estimated Rate : {$0.00} per lbs Move Day : Monday/Tuesday Requested Move Date : XXXX Created on : XX/XX/XXXX Optional Service : Auto Transport XXXX XXXX XXXX XXXX {$1100.00} Relocation Estimate Total XXXX {$3500.00} XXXX Discount : 63.62 % - {$2200.00} Basic Estimate Price {$1300.00} Fuel Surcharge : 7.00 % {$91.00} XXXX Free Days Of Storage/ free delivery {$0.00} 2nd stop at pickup Rockport XXXX miles {$310.00} Binding Estimate Fee {$700.00} Early Booking Discount - {$200.00} Basic Valuation Protection : {$0.00} per lbs. per article {$0.00} Total Moving Estimate {$2200.00} Customer Payment {$750.00} Full Value Protection Amount of Liability : {$17000.00} ( Optional ) Deductible Levels : {$0.00} {$250.00} {$500.00} {$750.00} {$1000.00} {$1500.00} Valuation Charge : {$0.00} {$0.00} {$470.00} {$0.00} {$0.00} {$0.00} Total Estimate Plus Valuation Charge : {$2200.00} {$2200.00} {$2600.00} {$2200.00} {$2200.00} {$2200.00} Customer 's Initials : x_________ x_________ x_________ x_________ x_________ x_________ WARNING : If a moving company loses or damages your goods, there are 2 different standards for the company`s liability based on the types of rates you pay. BY FEDERAL LAW, THIS FORM MUST CONTAIN A FILLED-IN ESTIMATE OF THE COST OF A MOVE FOR WHICH THE MOVING COMPANY IS LIABLE FOR THE FULL ( REPLACEMENT ) VALUE OF YOUR GOODS in the event of loss of, or damage to, the goods. This form may also contain an estimate of the cost of a move in which the moving company is liable for FAR LESS than the replacement value of your goods, typically at a lower cost to you. You will select the liability level later, on the bill of lading ( contract XXXX for your move. Before selecting a liability level, please read Your Rights and Responsibilities When You Move, and Ready to Move Brochure provided by the moving company, and seek further information at the government website www.protectyourmove.gov Understanding Your Estimate LONG DISTANCE This contract is between XXXX XXXX XXXX, and the Customer listed above. Based on the information and inventory provided by the customer, XXXX XXXX XXXX will provide the customer with all packing, moving, and storage services requested at the time this estimate was prepared and signed. Customer understands to notify us of any changes to the contract, including adding or removing any items, or should they require any additional services so we can make proper adjustments to the Scheduling, Pricing, Supplies, Inventory, or Pickup/Delivery changes with the goal to properly accommodate the customer. This estimate includes the following : Professional Door to XXXX service. Expert advice and guidance throughout the course of your move. Disassembly of all standard furniture required for safe movement at the origin. Reassembly for all items disassembled by the movers on the day of pick-up at destination. Wrapping of all furniture with our own quilted moving blankets. Itemized inventory indicating each item, and condition at origin of items. Loading & unloading of all goods. Price includes all taxes, tolls, mileage, and fuel surcharges. Standard cargo insurance up to {$10000.00} No elevator charges. No date change penalties as long as your request is made more than 7 days before your originally scheduled pick-up date. Here is a list of any special costs. Please read carefully, and let us know ahead of time if any of these situations apply to your move : Specific situations where charges not documented may apply ; here is a guide of common occurrences. Please inform us ahead of time if you fit any of the following : Any additional packing or items that may need special crating ( if not already in estimate ) Antiques, Motorcycle, etc The loading of any bulky items ( Piano, Grandfather Clock, Kayak, etc. ) We offer full packing services if desired. If a full pack is included, XXXX XXXX XXXX will coordinate all labor and materials needed to professionally pack all your belongings. This includes all boxes, furniture, and delicate/fragile items. If more household items are added at time of pick up, then the total price for full service packing will be increased and adjusted by the rate already provided. The customer will receive a new written agreement at time of this revision. Any specific delicate items not being packed by the customer. ( Televisions, Glass or Glass Table Tops, Marble, etc. ) A shuttle service can be set up if necessary. For instance, a semi can not fit down your narrow street or through your gate. If circumstances prohibit a semi-trailer to get close to the property for loading or unloading, a shuttle truck may be needed to complete the service. We will load up the smaller truck, and load the items onto the Semi from there. This may involve multiple trips. This can be arranged for a minimum charge of 300 dollars for smaller truck and additional labor. If there are more than one flight of stairs ( Up to 12 steps ), a fee of XXXX dollars per additional flight will be applied. Long carry ( first 75 feet from front door are included ), anything after 75 feet will be re-adjusted by the XXXX. XXXX XXXX XXXX will be sure to make your move an easy and informed process Call us directly for information about revisions to your contract. Be sure to accept your paperwork and an itemized inventory on pickup. If packing services are included in the estimate, please have the value of any specific valuable item written on the estimate. TERMS AND CONDITIONS : THE PROVISIONS OF THIS AGREEMENT, INCLUDING THE TERMS AND CONDITIONS CONTAINED HEREIN, REPRESENT THE ENTIRE UNDERSTANDING AND AGREEMENT BETWEEN XXXX XXXX XXXX, ( HEREAFTER XXXX XXXX XXXX ) AND CUSTOMER WITH RESPECT TO THE SUBJECT MATTER HEREOF AND SUPERSEDES ALL OTHER NEGOTIATIONS, UNDERSTANDINGS, AND REPRESENTATIONS ( IF ANY ) MADE BY AND BETWEEN SUCH PARTIES, INCLUDING ANY REPRESENTATION MADE BY ANY ESTIMATOR. IN THE EVENT OF ANY CONFLICT BETWEEN THE TERMS OF ANY ESTIMATE AND THE BILL OF LADING, THE TERMS OF THE BILL OF LADING SHALL CONTROL. THIS AGREEMENT MAY NOT BE AMENDED, SUPPLEMENTED OR WAIVED ORALLY, BUT ONLY IN WRITING, SIGNED BY BOTH XXXX XXXX XXXX AND THE CUSTOMER, AND MAKING SPECIFIC REFERENCE TO THIS AGREEMENT. CUSTOMER MAY NOT ASSIGN ITS RIGHTS OR OBLIGATIONS UNDER THIS AGREEMENT WITHOUT THE PRIOR WRITTEN CONSENT OF XXXX XXXX XXXX. NOTHING IN THIS AGREEMENT, WHETHER EXPRESSED OR IMPLIED, IS INTENDED TO CONFER ANY RIGHTS OR REMEDIES ON ANY PERSON OTHER THAN THE PARTIES HERETO AND THEIR RESPECTIVE LEGAL REPRESENTATIVES, HEIRS AND PERMITTED ASSIGNS, NOR IS ANYTHING IN THIS AGREEMENT INTENDED TO RELIEVE OR DISCHARGE THE OBLIGATION OR LIABILITY OF ANY THIRD PERSON TO ANY PARTY TO THIS AGREEMENT, NOR SHALL ANY PROVISION GIVE ANY THIRD PERSON ANY RIGHT OF SUBJUGATION OR ACTION OVER OR AGAINST ANY PARTY TO THIS AGREEMENT. CUSTOMER HAS HIRED XXXX XXXX XXXX AS THEIR MOVING COORDINATOR/BROKER/SHIPPER AGENT, NOT TO HANDLE OR OTHERWISE PARTICIPATE IN THE MOVE AS LABOR OR CARRIER IN ACTING AS A SHIPPER AGENT ONLY, XXXX XXXX XXXX IS NOT RESPONSIBLE FOR ANY ACTS OR OMISSIONS OF THE CARRIER OR ITS EMPLOYEES OR AGENTS. CUSTOMER MUST PURSUE THE CARRIER FOR ALL CLAIMS FOR PROPERTY DAMAGE, PERSONAL INJURY, OR DEATH, INCLUDING WITHOUT LIMITATION, ANY CLAIMS FOR DAMAGE TO PROPERTY, STOLEN GOODS, LOST ITEMS, DELAYED PICKUP OR DELIVERY, ACTIONS OF ESTIMATORS, DRIVERS, PACKERS, OR MOVERS. XXXX XXXX XXXX WILL ACT ON BEHALF OF THE CUSTOMER IN RESOLVING ANY CLAIMS OR DELAY ISSUES WITH THE CARRIER, THE CARRIER 'S MAXIMUM LIABILITY IS LIMITED TO THE LESSER OF THE FOLLOWING : ( A ) THE AMOUNT OF THE ACTUAL LOSS OR DAMAGE, ( B ) AN AMOUNT EQUAL TO XXXX XXXX ( XXXX XXXX ) PER POUND MULTIPLIED BY THE ACTUAL WEIGHT ( IN POUNDS ) OF THE LOST OR DAMAGED ARTICLE ; OR ( C ) THE LUMP SUM DECLARED VALUE. AS A PROPERLY LICENSED INTERSTATE MOVING COORDINATOR/BROKER/SHIPPER AGENT, XXXX XXXX XXXX IS NOT A MOTOR CARRIER A
Company Response:
State: NY
Zip: 14094
Submitted Via: Web
Date Sent: 2021-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX XXXX there were unauthorized transactions made in 3 different locations.They were XXXX XXXX New York , Ny XXXX, XXXX XXXX New York , Ny XXXX and XXXX XXXX XXXX New York XXXX XXXX I noticed my card was declined I called KeyBank customer service right away to see what they as the problem thats when I was told it was because of these charges.I then proceeded to tell them that was not me and they sent me to their fraud department and I opened a case and they said they would investigate.I still had my card with me so I was unsure how these transactions were made and so I waited for their response.I was then sent a letter by them that just said my case was closed and that I authorized these transactions.I immediately called and spoke to a fraud specialist and asked her what I could do to get my case reopened because I did not make these charges.She basically told me theres nothing I can do and I need to figure it out myself. I called them many times to get this problem solved and even went personally to the bank and they wouldnt help me figure something out or a way I can fight this.Now Im making a police report because they wont help me get back my {$2300.00} dollars that were stolen from me.
Company Response:
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2021-01-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-16
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/2021 I made a charge for {$750.00}. From XXXX XXXX, key bank blocked my card until I verified it was myself who was making the transaction of {$750.00}. I did advised them that I was making a purchase for {$750.00}. However when I checked my statement I had a charge for {$750.00} from XXXX XXXX along with a charge for {$53.00} from XXXX XXXX for a warranty also. I have advised key bank that I have been back in forth on the phone with XXXX trying to get them to return the {$53.00} because I did not authorize that charge nor have I received the warranty at all for the XXXX. Every time I call XXXX they say the money is going to be deposited in my account and as of todsy date neither XXXX or Key Bank have return the funds of {$53.00}. The warranty was never sent it now has a deliver date of XX/XX/XXXX the date keeps changing when I advised I didnt authority. I receive the XXXX on XX/XX/2021 2021
Company Response:
State: CT
Zip: 06610
Submitted Via: Web
Date Sent: 2021-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX XXXX, I am writing to you in a desperate attempt for help. My friend 's XXXX account was hacked on Monday night, XX/XX/21, and the hacker contacted me pretending to be her and asked me if I could send money. Given that we're really good friends and work together, I didn't even think twice about it. She said that she had reached her daily spending limit but needs to send her friend the money urgently and so she needs to send it to her friend directly. She provided me the XXXX account number for XXXX XXXX XXXX. I sent {$440.00}. As soon as I did so, my XXXX, XXXX and XXXX got hacked. I never got access to my XXXX back and ended up deactivating it. I had to change the passwords for the other accounts. In the morning, my friend texted me saying that she had not been able to get into her XXXX and that she never sent me that message. I lodged a police complaint. My Key Bank confirmed that the money was received by a XXXX customer. I tried to report it to the fraud department in XXXX but they won't even listen to me. To my horror, they protected the identity of the scammer. My friend texted saying that the scammer scammed 4 of her other friends. In fact, the person went through my friends list on XXXX and asked around for money. I tried to tell this to XXXX and they won't even take the account information from me. At this point, the least they can do is give me my money back. It's another thing that when I called them, I came to know of an account with them that I never created so that was maddening as well. I have so much student loan payments. In fact, I'll be making more payments from next month and this hurts me big time. And it's not just this, I'm not stuck with a feeling that I'm being watched constantly. The XXXX XXXX has already said that there's less than 1 % chance of me getting my money back which means that they won't be working this case. My friend recently notified me that two of her friends are actually getting their money back from their banks. One of them is a customer of XXXX XXXX XXXX. I understand that I initiated the transfer but if I knew that my friend 's account was hacked then I wouldn't have sent that money. I really appreciate XXXX XXXX XXXX 's efforts of understanding the difficulty of their customer and reimbursing them. That is the human thing to do and that is all I'm asking Key Bank to do as well. When I spoke to them on the phone I was told that they couldn't do anything as the money went into XXXX. However, if XXXX XXXX XXXX and XXXX can can reimburse their customers for being scammed then Key Bank can definitely consider as well otherwise I'm left feeling unprotected as a Key Bank customer. Mind you, the scammer was a XXXX customer so XXXX XXXX XXXX did a nice thing by reimbursing the money and I was told by my bank that they wouldn't. I'm only asking for my money back and this has gone on for a while. I have already complained again XXXX because I felt like I wasn't being listened to and felt wrongly treated. I have a large sum of student loans that I've been paying and it'll go up from next month so every XXXX counts for me. Losing this much amount of money and being in this kind of mental stress has been very detrimental to my mental and emotional wellbeing. And then to find out that others who were scammed by the same scammer are actually being reimbursed by their banks except for me seems very unfair. I'm only asking for what I've lost and nothing more. Please help me get me money back. It may not be a lot for a lot of people but for me it is. I had also reported this person 's account to XXXX on the morning of XX/XX/21 and was told that this account would be deactivated and reported to the credit bereaus and XXXX. I got a text from a coworker saying she got a message from my " friend '' asking to money to XXXX XXXX in the afternoon. Obviously XXXX hadn't done anything. With many thanks, XXXX XXXX
Company Response:
State: WA
Zip: 98007
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My account was past due with Key Bank. As COVID-19 hit, I called onXX/XX/XXXX and made a payment of {$72.00} and was told to call back for a work-out option as my account was about to go to collections. I was placed on a re-age/work-out option and fore-bearance plan with no payments for 3 months ( XXXX, XXXX, XX/XX/XXXX ) on XX/XX/XXXX. The re-age and fore-bearance plan was confirmed on XX/XX/XXXX. The 3 months goes by, I call to make a payment ... and for 3 more months ( XXXX, XXXX, XXXX ) am told I do not have a payment due and I will fall off the plan if I make a payment. In the mean time, I have 3 more payments ( total of 6, XXXX ) added back to my balance due, PLUS INTEREST when I was ready to pay them and resume making payments. This turned into a whole mess and for 4 months ( XXXX XXXX XXXX was given run around and never given a resolution with Key bank. I was placed on 2 different payment plans to close the credit card and pay back the debt and was never given any information, disclosures, or terms and agreements that KEY BANK stated they would sent out. No communication was sent to me. The First payment plan was set up inXX/XX/ with the loss mitigation department. I was told I would receive a reduced interest rate of around 6 % and pay around {$70.00} a month until it was paid off. I agreed to the terms and never received any information on this plan in writing. I even agreed to make a payment on the day I spoke with them to begin this payment plan and agreement. I am still trying to locate the day I spoke to them and the payment amount. I was never given any info on how and where to pay the plan, and by the time I called in XXXX the payment was " past due '' and they had removed me from the payment plan. At this time, I spoke to a gentleman Named XXXX and I expressed the awful experiences and issue I have had with KEY BANK. He stated he would work with his boss to come to a resolution for me. After multiple attempts on my end to reach him and Key Bank, I was never given a resolution. OnXX/XX/, I finally was able to reach XXXX XXXX and they agreed to place me on another payment Plan, This time at 0 % interest for 26 Months. The monthly payment is to be set at {$77.00}, with payments beginning on XX/XX/XXXX I called in on XXXX and spoke with the same XXXX that I had spoken to in XXXX who processed a {$100.00} payment for me from my checking account. As I look at my account today, XX/XX/XXXX, I have been assesed a {$39.00} late fee, along with a {$39.00} late fee for XXXX, and XX/XX/XXXX with no explanation. I called in to Key Bank today, XX/XX/XXXX and spoke with a gentleman who was not able to explain these charges to me. I am now being told that the late payments will continue to accrue since I am not making payments normally. He informed me that I am on a " trial period '' for this plan and the terms will change after my 3rd successful payment. None of this was discussed or agreed upon ... {$39.00} fees, changes to the agreement after 3 months. The letter I received also does not explain terms, conditions, balances due or anything related to the payment plan. I am not sure where the payments I have made have been applied. I am not sure how the account will be paid off in the agreed 26 months if I am being charged late fees and if the agreement changes. There needs to be a resolution from Key Bank and it is not being provided.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: So basically my ATM card was stolen and there was an attempt to deposit a check into my account. Upon this transaction, they also withdrew {$100.00}, which is unbelievable because there was only {$.00} in the account. As soon as I seen this I instantly locked the card and my account was quickly frozen. I called KeyBank and the fraud department because I was expecting to receive my paycheck that Friday. Because of the {$100.00} withdrawal, my account was charged fees because it was overdrawn making it {$110.00} in the negative. Once my check posted, that negative balance was applied to it so now Im out {$110.00} out of my paycheck. I just need help and answers.
Company Response:
State: OH
Zip: 43035
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A