KEYCORP

2019-01-10

Akron, OH

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with monetary relief

Timely Response

2019-01-09

Lansing, MI

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Complaint: Key bank is claiming to have an account in my name owing money, Ive tried to explain this was not my account and gave the the police report number for ID theft and they still reported it to XXXX XXXX XXXX. Now I can not even open an account and this needs fixed ASAP.
Company Response: Closed with explanation

Timely Response

2019-01-08

Utica, NY

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Complaint: While in college I utilized Key Bank for XXXX XXXX Loans in order to pay for tuition that was not covered by financial aid. Recently the loan servicer changed to XXXX. I had thought payments had been made to XXXX, however my cosigner received documentation that I have defaulted in the loans. I have received phone calls from Key Bank, but only during hours I am at work therefore can not answer the calls. I have no idea how to access the account through Key Bank or any other servicer in order to develop an affordable plan to get out of default. I need to keep in mind that {$600.00} a month already goes to federal student loan payments. I do not know the account number. My cosigner received 7 letters from Key Bank on XX/XX/18 that according to them were in a threatening manner. My cosigner is now elderly, has limited income and in a frail medical state therefore he can not be contacted especially when I have not been able to speak to anyone.
Company Response: Closed with explanation

Timely Response

2019-01-08

Geneva, NY

Getting a line of credit

Payday loan, title loan, or personal loan: Personal line of credit

Company Response: Closed with explanation

Timely Response

2019-01-08

Cleveland, OH

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-01-04

Euclid, OH

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: I have experience discriminatory lending when the bank chose to deny me an offer me proper mortgage program help. I believe the discrimination is based on race class, property location using credit scoring systems that mask the financial crisis problem, downplaying the circumstances as if its a first time loan approval program, instead of dealing with loan crisis problem that put my mortgage into financial crisis. KeyBank project a broker appraisals report ( opinion ) that set higher than market value than treasury county value that was reported as a lower value. They continue to disregard the criteria for HUD programs that could prevent foreclosure. I believe the types of discrimination I have experience have been overt discrimination and malicious disparate treatment. KeyBank have created barriers, making it more difficult in subtle as program that requires evidence of one month of verified income for a mortgage programs for making homes affordable through HUD making me provide more extensive income documents and masking my request for help. By using the mediation as advantage to force credit and income information that shouldve been handle before mediation dates. Making it seem as if they I never had income to qualify for mortgage programs that were available during XX/XX/XXXX-XX/XX/XXXX. When knowingly KeyBank is aware of the programs that are available. KeyBank chose to downplay the financial crisis program in which could help prevent foreclosure. The lender used the mediation to state the obvious that theres financial crisis and the distress of the loan, however neglecting to provide the program that I qualify for. I wanted and expected a fair opportunity for help when I came Keybank XX/XX/XXXX for help, before foreclosure when I was in good standing. Still asking for help that I shouldve have received. XXXX XXXX XXXX XX/XX/XXXX : filing for request for HUD program assistant. I found out due to government Shutdown, I still should have time to qualify. Foreclosure Mediation : XX/XX/XXXX Phone conference I express I would seek help the HUD approval for help XX/XX/XXXX : I was told by KeyBank that all program was over. - Because of the government program I still have time XXXX XXXX XXXX : XX/XX/XXXX : filed loss mitigation XX/XX/XXXX : filed loss mitigation : showing increase in pay rate and hours and job change XX/XX/XXXX : filed loss mitigation : showing increase in pay rate and hours XX/XX/XXXX : Showing the increase and in pay and hours, waiting for employer negotiation period to another increase. XXXX XXXX XXXX of XXXX XXXX : XX/XX/XXXX : Went for assist when money that was available. Company XX/XX/XXXX : Filed Loss mitigation file never pushed forward / XX/XX/XXXX : File for assist for Loss mitigation and assistant
Company Response: Closed with explanation

Timely Response

2019-01-03

Columbus, OH

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2019-01-03

Hartford, CT

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with explanation

Timely Response

2019-01-03

Hamburg, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I contacted the customer service department to request an updated escrow analysls be completed as I would like my monthly payment to be below {$950.00}. I have an escrow shortage, but with the interest on escrow that was just deposited, this partial escrow shortage payment will allow the payment to be below {$950.00} if reanalyzed. I was advised that I couldn't request this on the phone and that due to guidelines, it had to be a written request sent to them with signature and reason and that they can deny my request if they want to. I would like to know where in the RESPA guidelines it states that the request for an escrow analysis must be sent in in writing? No other mortgage company does this. This bank is one of the worst that I have ever had to deal with. It took them almost a year for me to be able to see my account online. I still cant make a monthly mortgage payment on their website, when calling in to make a payment, they opt to read a disclosure the size of a small novella ( I have never seen this with any other bank ), and now just a simple request to ask that my loan be re-analyzed requires me to spend my precious time to write a letter and send it to them! I am really disappointed and would like their upper management to be aware of this board complaint as it didn't have to happen.
Company Response: Closed with explanation

Timely Response

2019-01-02

Kent, WA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-01-02

Cleveland, OH

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-01-02

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2019-01-01

Columbiaville, NY

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: I applied in XX/XX/XXXX with Key Bank. XX/XX/XXXX before XXXX I was emailed a note saying Denied. Credit is great..so is income, no credit problems. Denied because I put XXXX in key bank in XX/XX/XXXX to use for closing. Bank said denied due to assets ... even though I proved where the money came from ... weeks later still no deniel letter ... spent XXXX on XXXX on on inspection, and XXXX down payment ... which i lost.
Company Response: Closed with explanation

Timely Response

2018-12-31

WA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: Key Bank approved a fraudulent charge of {$140.00} on my Master Card ending in XXXX. I had ordered a teeth whitening product online from XXXX and paid {$8.00} up front on my MC with a guaranteed " TRY BEFORE YOU BUY '' trial period, which begins 10 days after I receive the product. I received the product on XX/XX/2018 but XXXX charged my CC {$140.00} on XX/XX/2018. Thus, they wrongfully charged my CC a full 6 days before my " TRY BEFORE YOU BUY '' trial period of 10 days had ended. I called XXXX XXXX on XX/XX/2018 when I noticed the {$140.00} charge to dispute it, but their representative told me they wouldn't reverse the charge. I asked to speak with their supervisor, but they told me their supervisor was not available. After I got off the phone with them, I called Key Bank 's Credit Card Dispute line and told them I'm disputing the charge. Key Bank mailed me the attached Dispute form letter on XX/XX/2018 asking me to respond back to them by XX/XX/2018. I mailed them my attached response letter on XX/XX/2018 disputing the {$140.00} charge ( see attached Certified Mail Receipt ). Key Bank then mailed me the attached letter on XX/XX/2018 stating that the {$140.00} charge was a valid charge, even though I told Key Bank that I tried to avoid the {$140.00} charge by calling XXXX to cancel within my 10 day guaranteed " TRY BEFORE YOU BUY '' trial period.
Company Response: Closed with explanation

Timely Response

2018-12-31

Brecksville, OH

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2018-12-28

Glendale, CO

Opening an account

Checking or savings account: Other banking product or service

Unable to open an account
Company Response: Closed with explanation

Timely Response

2018-12-28

PA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-12-28

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-12-27

Albany, NY

Written notification about debt

Debt collection: Mortgage debt

Didn't receive enough information to verify debt
Complaint: This complaint is stating that your bank has deliberately cut off several years of payment history to re-age my account. Even though the account is missing several years of payment history, the timeline as to when the account should be deleted, under the current late payment history is close, within a few months. Accordingly, I request your bank to do a full review of my payment history, and not delete any late payment history in the process. If there were any additional late payments not posted, then I am within my rights to have the trade line deleted permanently. I understand that your bank must comply with the rules and guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. There is currently no collection enforcement that can be accomplished due to the rules within my state of residence. If my husband is the responsible party on the account, and I was just an authorizer user, then I respectfully request the deletion of the trade line. There should be a definitive deletion date within the 7-year rule to this account. However, I believe that since your bank has cut off several years of payment history, there is a high level of probability that the account should have been deleted years ago. Please comply within the rules as well as your banks subscriber agreement with all three pertinent credit reporting agencies. PLEASE DELETE THIS ACCOUNT PERMANENTLY!!!
Company Response: Closed with explanation

Timely Response

2018-12-27

Cleveland, OH

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with explanation

Timely Response

2018-12-27

Rochester, NY

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Company Response: Closed with explanation

Timely Response

2018-12-26

Cleveland, OH

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-12-26

Penn, PA

Managing an account

Checking or savings account: Other banking product or service

Problem using a debit or ATM card
Company Response: Closed with explanation

Timely Response

2018-12-24

Millville, CA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I filed a dispute on XX/XX/XXXX for a fraudulent charge to my debit card. Key has sent me no documents and I've literally spent countless hours attempting to reach their dispute department, unsuccessfully. I have been blocked on multiple occasions from reaching this department and asking the direct questions I need answers to, asked by the police department. The XXXX police department has now also filed theft charges against me per the person committing fraud against me, XXXX XXXX request. She has been threatening me and harassing me by phone the entire month. You have done nothing to stop this or protect me. I've reported every incident to you. You have failed to document any of it. Key has failed to act on my behalf to protect me in the slightest, and document the FALSE CRIMINAL CHARGES ALLOWED TO BE FILED AGAINST ME AS A RESULT. The XXXX police officer XXXX filed case XXXX against me with the DA 's office. XXXX PD number XXXX. I have been on hold today for almost two hours and the supervisor XXXX hung up in my face after taunting me in a belligerent manner for over 20 minutes. He refused to answer any direct questions and blamed the entire scenario on me, the victim, many times over now. I still have received no documentation regarding the dispute. The police asked me, and I still need answered, how much was charged to my card on XX/XX/XXXX? How did she wipe out my account to XXXX? What is the ACTUAL AMOUNT FRAUDULENTLY CHARGED TO MY ACCOUNT ON XX/XX/XXXX? I need to know the amount attempted. Not ACTUAL AMOUNT, BECAUSE OBVIOUSLY I KNOW THAT AMOUNT. WHAT WAS THE ACTUAL CHARGE ON XX/XX/XXXX? If it was ACTUALLY XXXX, Why did she know the exact amount left in mt account and take it without authorization?
Company Response: Closed with explanation

Timely Response

2018-12-20

Marysville, WA

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Company Response: Closed with explanation

Timely Response