KeyBank National Association Corporate

Complaint ID: 3302398

Product: Checking or savings account

Sub-Product: Checking account

Issue: Problem caused by your funds being low

Subissue: Overdrafts and overdraft fees

Company: KEYCORP

Complaint: I started banking with Key Bank a little over two years ago. I have had no problems with the bank until XXXX. I have been charged {$2000.00} ( {$890.00} on 37 fees in the last 90 days - that is insane ) dollars in bank fees by Key Bank in XXXX. I was informed when I opened my account that the account would deny any transaction if there were insufficient funds. I have asked about this over the course of XXXX because it continually would allow for my account to authorize purchases/ payments even when the account had insufficient funds. It was recently brought to my attention by XXXX ( XXXX XXXX, OR location - she is awesome and has been a huge help ) that in XXXX of XXXX an employee ( I do not remember her name ) changed my authorization to allow for overdrafts ( this was without my consent ). Prior to this incident I had no problems with overdraft fees. After finding this error, XXXX and I have worked together with several of the other branches and their managers to try to refund some of the fees. It has now been several months and there has been zero change or anything fixed. I am frustrated as a consumer that I was mislead, stressed, and treated the way I have been by this institution. This has negatively affected my overall health, my credit score, and my ability to live comfortably. I have tried to contact corporate about this situation only to consistently be hung up on by customer service and continually told to go to my branch to figure it out. When I get to the branch they tell me to call customer service. It has been a living XXXX to be honest. When the regional manager (? ) XXXX, found out that my main location ( this was in XXXX, OR and the manager was XXXX ) had shut down ( I wonder why ) she said " well, it isn't fair for the other branches to pay for that locations mistake '' - are you kidding me? I do not believe I should pay for the company 's mistake. I have done my best to work through this with them calmly and professionally but I am at the end of my rope and have lost all faith. Lastly, my account has a freeze placed on it ( XXXX recommended that I freeze it until we figure everything out to avoid more fees ). This has worked great until I received several letters in the mail this week from Key Bank, threatening to close my account permanently and send the negative balance to collections. I called about this today and was told that there is nothing the branch level can do about it and I am not allowed to speak to the higher ups to figure out what happened. I was simply told that my direct deposit check would be taken in, the balance set back to XXXX, and that they would mail me a check for the difference after my account was closed permanently. I do not and will not ever recommend Key Bank to anyone and will do anything in my power to have anyone that banks there switch banks. I will share my story with everyone I encounter moving forward that mentions ANY bank.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 3302154

Product: Checking or savings account

Sub-Product: Checking account

Issue: Managing an account

Subissue: Fee problem

Company: KEYCORP

Complaint: I have been banking with key bank for over two years now and have XXXX accounts and my XXXX account my direct deposit goes in there! over the last several months key bank has decided to charge me a XXXX Atm withdrawl fee every month for over {$20.00}! each month it differs! i have contacted them numerous times in regards to these fees and have got no responses back! i want to know what these fees are for! i use one atm and thats the one at my work because my cafe does not accept debit cards and its cash only! i do get charged a dollar every time i do use the atm so why am i getting charged twice for each withdraw? this should be illegal, this is my money not theres! im sick of these hidden charges! i also would like to know why key bank offers their new customers money to sign up for a account but in the meantime their loyal customers that have been banking with them for a long time only are get money taken from them!!!!

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 3297434

Product: Mortgage

Sub-Product: Conventional home mortgage

Issue: Struggling to pay mortgage

Subissue:

Company: KEYCORP

Complaint: Attached is the XXXX statement for XXXX XXXX. Key Bank is claiming a lack of standing for me tp complain about its conduct, because I am not the executor of XXXX XXXX 's estate. I am still a successor-in-interest and have completed the successor-ini-interest form, sent it to Key Bank and the company has acknowledged its receipt. As a beneficiary of the estate, I do have an interest in Key Bank 's malfeasances that affect that interest and believe that the CFPB should insist on a response from the company other than a claim of a lack of standing of the complainant. Key Bank is again charging for fees an inspection fee and legal fees - that have not been approved by a New York State court, which pursuant to New York State law is required before they can be assessed ( see p. 2 of the XXXX monthly statement ). Key Bank is claiming these fees are part of the delinquent balance, even though these fees have not been approved in kind or amount by a New York State court. This makes it more difficult for a borrower to cure the deficiency and the default. If I were the CFPB, I would make sure Key Bank is not doing this systematically with other borrowers, because it appears to be computerized. See p. 1 of the XXXX montlhly statement, the identified past due amount and the amount currently due. Legal fees assessed to this borrower include legal fees in which the attorney proponent of the legal document ( motion for summary judgment ), XXXX XXXX, XXXX, now formerly of XXXX, XXXX, XXXX XXXX XXXX, XXXX, violated his oath pursuant to New York State CPLR 3012-b that the motion had merit even though it took the position that a home loan was no longer a home loan just because the borrower died, which is the opposite of the position Key Bank has taken with the CFPB, such that Mr. XXXX should have been collaterally estopped from making the argument, and he had an obligation to review the file before making the representations he did in his legal papers. XXXX XXXX, XXXX, also now formerly of XXXX, XXXX, XXXX XXXX XXXX , XXXX, was his supervisor and, at a minimum, violated New York XXXX 's professional legal code of conduct 's rule associated with " Fairness to Opposing Party and Counsel, '' as, of course, Mr. XXXX violated also in so far as he violated the state 's criminal code regarding making a false sworn statement, a Class A misdemeanor in New York State. I do not such legal fees should be assessed, but, as I have written before, that is why a New York State court needs to approve the Key Bank 's assessments ; certain, if not all assessments, may not be approved.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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