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Business Profile

Bank

KeyBank

Headquarters

Complaints

This profile includes complaints for KeyBank's headquarters and its corporate-owned locations. To view all corporate locations, see

Find a Location

KeyBank has 232 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

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    • KeyBank

      127 Public Sq Cleveland, OH 44114-1217

      BBB accredited business seal
    • KeyBank

      5915 Landerbrook Dr Ste 310 Cleveland, OH 44124-4045

      BBB accredited business seal
    • KeyBank

      1125 Mohawk St Utica, NY 13501

    • KeyBank

      8591 S Main St Eden, NY 14057

    • KeyBank

      100 River Rd North Tonawanda, NY 14120

    Customer Complaints Summary

    • 250 total complaints in the last 3 years.
    • 87 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:12/08/2024

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I opened an account with key Bank with my ID from the state of Washington. On Saturday I went into get $200 from my account and then refuse it saying that I needed additional ID. I showed them the exact ID which I opened my account with. which my social security went through direct deposit into my account, and I deposited two of my retirement checks from the Washington retirement
      I went in Saturday to get $200 and they refused saying I need additional ID. I told them you opened my account with just my Oregon ID, and now your asking for additional ID. They refused. They told me that there was nothing I could do about it until Monday! While I'm I was talking with manager one of the employees started laughing at the situation. I went all weekend without funds lost the car I had already tried to purchase because I didn't get the money.

      When I opened my account why did t they request additional ID?

      Business Response

      Date: 01/02/2025


      We’re following up on a recent concern you filed with the Better Business Bureau regarding a restriction
      placed on your KeyBank Hassle-Free Account®
       ending in ****, an experience at the branch, and receipt
      of promotional funds. We regret the frustration this matter has caused you, and we appreciate you
      bringing it to our attention.
      Your satisfaction is of utmost importance to us, so we involved the appropriate personnel to assess the
      situation and provide a resolution. We’ve thoroughly researched this matter and would like to share the
      results of our investigation with you.
      Here’s a brief recap of the details:
      ? 11/27/2024: Hassle-Free Account® ending in **** was opened at the East Medford branch.
      ? 12/3/2024: A Social Security direct deposit posted to the account which fulfilled the marketing
      requirements to receive $300 in promotional funds.
      ? 12/5/2024: A temporary restriction was placed by KeyBank’s Fraud Team with notice of the
      restriction mailed to the address on file. We determined additional identification and proof of
      address was required.
      ? 12/7/2024: You visited the **** ******* ****** to process a withdrawal and were advised the
      withdrawal was unable to be processed until the Fraud Team could be contacted on Monday,
      December 9, 2024.
      ? 12/9/2024: You provided sufficient identification to the **** ******* ****** and the restriction
      was removed from the account.
      For your convenience, we’ve enclosed copies of any relevant documents or correspondence related to
      this concern. Please refer to the list of enclosures at the bottom of this letter.
      Here’s a summary of the findings that determined our decision.
      Our review found the identification used to open your account at the **** ******* ****** was accepted
      on an exception basis due to the branch being familiar with your employer. Therefore, additional
      identification and proof of address was requested by KeyBank’s Fraud Team. As a result, the restriction
      was found to be appropriately placed until sufficient documentation was received.
      Further review determined you were inadvertently provided misinformation regarding the branch’s inability
      to contact our Fraud Team until Monday, December 9, 2024, during your visit on Saturday, December 7,
      2024. We were, however, unable to substantiate your allegation of any negative treatment by branch staff.
      We sincerely apologize for any inconvenience or frustration this may have caused. We use client
      ***** ******** ******* ****** *****
      feedback, both positive and negative, to reinforce or improve our delivery and servicing of client Accounts.
      We appreciate you bringing this to our attention, and please be assured all opportunities found have been
      addressed internally with the appropriate personnel.
      Lastly, with regards to the promotional offer, we confirmed the account qualified to receive $300.00 in
      promotional funds upon receipt of your Social Security direct deposit on December 3, 2024. The funds will
      process to the account within 60 days of the fulfillment date.
      We’re here for you.
      Please know that we arrived at this resolution after a long and careful review of the factual events that
      occurred.
      If you need further assistance, I’m happy to help. Simply contact me at 800-625-3256, Monday through
      Friday from 8 am to 6 pm ET. (Dial 711 for TTY/TRS.) Please be sure to have the following information on
      hand when you call:
      * *** **** ** ********
      * ******* **** ** ******
      Thank you once again for bringing this matter to our attention. We use client feedback, both positive and
      negative, to constantly evaluate our interactions and enhance our client experiences.
      **** ********
      **** **
      ********** ****** *********
      ****** ** *** *********
      *********
      *********** ******** ****** ** ****
      *********** ****** ***** ******** ** ****
    • Initial Complaint

      Date:11/29/2024

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Opened account via online dec 2023 after opening key bank fraud department closed it because I of one digit of id being wrong had me go to the bank identify myself and then closed it anyway and my direct deposit went to that account and I had to wait two weeks for key bank to return money to originator a very rough two weeks months later a associate from
      KeyBank calls me and says well
      You should open an account in bank don’t would guarantee the promo they were having so I took time out my day and did such and when promo was supposed be paid they did not they actually said I had a previous account. Which was untrue even if true it would need be paid from first account they closed I called executive management and was dealing with a lady named Morgan since August and we still
      Do not have a resolution as a matter of fact this said employee stopped returning calls almost 3 weeks ago I asked for a new case worker I was denied promo still it applied account at this point im just so threw and they should’ve never wasted my time

      Business Response

      Date: 12/06/2024


      We’re following up on a recent concern you filed with the Better Business Bureau (“BBB”) regarding your
      lack of receipt of a promotional offer for opening an Account with KeyBank. You additionally allege lack of
      contact by an Enterprise Client Relations representative with regards to this matter. We regret the
      frustration this matter has caused you, and we appreciate you bringing it to our attention.
      Your satisfaction is of utmost importance to us, so we involved the appropriate personnel to assess the
      situation and provide a resolution. We’ve thoroughly researched this matter and would like to share the
      results of our investigation with you.


      Here’s a brief recap of the details:


      ? 11/1/23: Account ending in 7720 was opened online; however, was closed on 11/3/23 due to an
      issue with identifying information entered at account opening. As this was a valid account and not
      opened fraudulently, it would disqualify eligibility for promotional offers for the next 12 months.
      ? 7/12/24: Account ending in **** was opened at KeyBank’s Whitehall branch. They advised at
      opening that you did not qualify for a promotional offer due to having an account within the past
      12 months. Despite the representative advising of your ineligibility, you requested they attach the
      marketing code regardless. The marketing code operated accurately, and the promotional funds
      were declined. The flyer pertaining to this offer that includes the disclosures is enclosed.
      ? 7/12/24: Key Active Saver account ending in 9112 was opened with a marketing code to receive
      $25.00 in promotional funds.
      ? 7/22/24: $25.00 promotional offer was paid due to no prior KeyBank savings accounts.
      ? 9/5/24: KeyBank’s Fraud Client Services received a call from the Trexlertown branch regarding an
      unauthorized transaction posting to your account ending in 8890.
      ? 9/6/24: Replacement account ending in 0232 was opened.
      ? 9/27/24: Account ending in **** was closed due to the unauthorized activity.
      For your convenience, we’ve enclosed copies of any relevant documents or correspondence related to
      this concern. Please refer to the list of enclosures at the bottom of this letter.
      Here’s a summary of the findings that determined our decision.
      As a result of these findings, we’ve determined that you were accurately advised of your ineligibility to
      receive a promotional offer due to your having had an account within the past 12 months prior to the date
      of account opening.
      With regards to your contact with our Enterprise Client Relations department, records indicate you had a
      ©2024 KeyCorp. KeyBank Member FDIC. XXXXXXXXXXXXX
      prior case (******* regarding this matter which was closed on October 31, 2024. Our review found the
      representative followed procedure with regards to contacting you, with her last outreach occurring on
      October 30, 2024 via an email sent requesting you contact her for resolution.
      We’re here for you.
      Please know that we arrived at this resolution after a long and careful review of the factual events that
      occurred.
      If you need further assistance, I’m happy to help. Simply contact me at 1-800-625-3256, Monday through
      Friday from 8 am to 6 pm ET. (Dial 711 for TTY/TRS.) Please be sure to have the following information on
      hand when you call:
      * *** **** ** ********
      * ******* **** ** ******
      Thank you once again for bringing this matter to our attention. We use client feedback, both positive and
      negative, to constantly evaluate our interactions and enhance our client experiences.

      Customer Answer

      Date: 12/10/2024

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

      So this completely false even after the account was closed due to a wrong number above you can see where your branch Employee reached out to me to apologize for wasting time because my check that was deposited into account before fraud department closed took weeks to return to me furthermore I was in the bank identifying myself when the fraud department closed account which I had wasted money on Uber to get there so after closing I received a call in dec apologizing for the mistake and I should still open a account at later date . So that later date comes when this said employee once again calls and then gets me to come to bank under false pretense “gift” as she called it I have to email

      my my personal information as you see above on that date and she explicitly told me that I would receive “gift” if the record is pulled it would reflect that the bank affixed this particular promo to my account I did  not so that would totally be the opposite to what key bank is saying the second account was opened in branch I didn’t type their computers or put it in but I was promised it so when contact this liaison Madison from Executive relations that I have been speaking to since August with no resolution at all as a matter fact she has not returned a call since October nor provided a formal resolution on this matter at all which she said she would I stopped calling in November still no letter no response no email phone call apology nothing . So an Id number is wrong I’m told to bank to identify myself as I’m identifying myself my account is closed I don’t get my check for 2 weeks account is closed and didn’t wanna do business was key until their banker counties to reach out to me until I finally opened an account and promised the “gift” which is the he promotion credit so I’m dumbfounded to how she told me I didn’t qualify when she opened the account and arrived the promotion code to the account and I told me it was going to happen I would’ve never switched to key if it wasn’t for that 


      Regards,



      ***** *****









       

      Business Response

      Date: 12/12/2024


      We’re following up on a recent concern you filed with the Better Business Bureau (“BBB”) regarding your
      displeasure with KeyBank’s prior response we provided pertaining to your lack of receipt of a promotional
      offer for opening an account. You provided screenshots of contact with a representative at KeyBank’s
      Whitehall branch and continue to allege lack of contact by an ********** Client Relations representative
      with regards to this concern. We regret the frustration this matter has caused you, and we appreciate you
      bringing it to our attention.


      Your satisfaction is of utmost importance to us, so we involved the appropriate personnel to assess the
      situation and provide a resolution. We’ve thoroughly researched this matter and would like to share the
      results of our investigation with you.
      Here’s a brief recap of the details:
      ? 11/1/23: We confirmed your account ending in **** was opened online.
      ? 11/3/23: The account was closed due to an issue with inaccurate identifying information entered
      at account opening. We again confirmed this was a valid account, not opened fraudulently, and
      would disqualify your eligibility to receive promotional offers for the next 12 months from the date
      of opening.
      ? 11/13/23: Our records indicate you visited the Whitehall branch regarding your payroll direct
      deposit being returned due to the account closure. We are unable to substantiate you visited the
      branch on the account closure date to provide valid identification documents, as you claim.
      ? 11/27/23: Records indicate you again visited the branch regarding the account closure.
      ? 12/4/23: You spoke with the branch manager regarding your concerns with the account closure
      and the return of your payroll direct deposit. The branch manager escalated the matter to a
      Centralized Retail Support Specialist. The representative who phoned you on this date, per your
      screenshot, is unable to recall the specific purpose of the call; however, stated it most likely was
      to follow up on the escalation occurring that day.
      ? 7/12/24: Account ending in **** was opened. Review found you visited the branch to cash a
      check and were referred to the representative to open an account to avoid a check cashing fee for
      non-clients. We are unable to substantiate any calls the representative made to you inviting you in
      to open an account with the premise of receiving a “gift” or promotional offer from KeyBank.
      During the account opening, you were asked to provide your Social Security card, which was not
      physically present with you. Therefore, the other two screenshots you provided, were your emails
      to the representative while in her office to provide your Social Security card. She indicated the first
      email was not received in a timely manner, causing you to send the second email. As indicated in
      the enclosed prior written response, you were advised at account opening of your ineligibility for a
      promotional offer due to having an account within the past 12 months; however, requested the
      ©2024 KeyCorp. KeyBank Member FDIC. XXXXXXXXXXXXX
      marketing code be attached regardless. The marketing code functioned appropriately, and the
      promotional funds were declined. The representative indicates you phoned Key2You
      approximately a month later when you hadn’t received the promotional funds and were
      transferred to the Whitehall branch. She stated you disconnected upon her answering; however,
      she returned the call, leaving a detailed message reminding you of your discussion at account
      opening with regards to ineligibility to receive the promotion.
      For your convenience, we’ve enclosed copies of any relevant documents or correspondence related to
      this concern. Please refer to the list of enclosures at the bottom of this letter.
      Here’s a summary of the findings that determined our decision.
      As a result of these findings, we’ve determined that you were accurately advised of your ineligibility to
      receive a promotional offer due to your having had an account within the past 12 months prior to the date
      of account opening.
      With regards to your contact with our Enterprise Client Relations department, our previous letter
      addressed this matter. Records indicate your prior case (******) was closed on October 31, 2024. Our
      review found the representative followed procedure with regards to contacting you, with her last outreach
      occurring by phone on October 30, 2024. When she was unable to connect with you by phone, she sent
      an email requesting you contact her for resolution. The email was not responded to.
      We’re here for you.
      Please know that we arrived at this resolution after a long and careful review of the factual events that
      occurred.
      If you need further assistance, I’m happy to help. Simply contact me at 1-800-625-3256, Monday through
      Friday from 8 am to 6 pm ET. (Dial 711 for TTY/TRS.) Please be sure to have the following information on
      hand when you call:
      ? BBB Case #* ********
      ? KeyBank Case ** ******
      Thank you once again for bringing this matter to our attention. We use client feedback, both positive and
      negative, to constantly evaluate our interactions and enhance our client experiences.
      Kind regards,

      Customer Answer

      Date: 12/12/2024

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.




      [To assist us in bringing this matter to a close, we would like to know your view on the matter.]


      I would respectfully disagree with characterization of the way this situation happen after coming to the bank back in December sitting there identifying myself and having the fraud department still while verifying myself send my payroll check back and had to wait over two weeks to receive my wages that I worked for that entrusted into keys hands so time wasted and money wasted getting uber to bank .. Fast forward past that situation I NEVER reached out to Key looking to open an account again after that first experience with waiting on my check to go back payroll bank .. it was that employee that reached out via cell not the other way around to come back  and open account with Key I was not thinking about Key there was no purpose to change from my current bank which was closer to my house by the way the offer of this $200 “gift” was enticing so she made the appointment.   She NEVER mentioned that I didn’t qualify actually the total complete opposite  why would I switch when I’m getting cash back from current bank indefinitely to get nothing or $25 for the savings lets be for real Ask yourself why would a employee let a customer force them to apply a “promo code “ that she knew wasn’t going to work ? Better yet to prove the truth I didn’t even know what the said promo code was at all she said she would apply it to account . So it doesn’t make sense . Also I NEVER received a email nor a voicemail or anything from Madison I’m sure you can produce a time stamped email with the information present but it would be hard cause it’s non existing . Furthermore the LACK of communication was true and present this particular lady Madison always had an attitude and offered no call backs what so ever or emails I don’t think we have ever corresponded by email so I understand the need to  back your employees but you would be backing lies .. You guys reached out to me to open account after you guys closing it for a digit being off lastly before account was closed the first time the promo requirement of that account was made also and not awarded so I wouldn’t switched back to key bank after the first experience for nothing 


      Regards,



      ***** *****









       

      Business Response

      Date: 12/20/2024


      We’re following up on a recent concern you filed with the Better Business Bureau (“BBB”) regarding your
      displeasure with KeyBank’s prior responses pertaining to your lack of receipt of a promotional offer for
      opening an account. You also continue to allege lack of contact by an Enterprise Client Relations
      representative with regards to this matter. Your latest rebuttal claims your original account was opened
      with a promotional offer for which you met the requirements to receive prior to it being closed by Fraud.
      We regret the frustration this matter has caused you, and we appreciate you bringing it to our attention.
      Your satisfaction is of utmost importance to us, so we involved the appropriate personnel to assess the
      situation and provide a resolution. We’ve thoroughly researched this matter and would like to share the
      results of our investigation with you.
      Here’s a brief recap of the details:
      ? 11/1/23: We confirmed your account ending in **** was opened online. We also confirmed the
      account did not have a marketing promotional code attached to it at opening.
      ? 11/3/23: The account was closed due to an issue with inaccurate identifying information entered
      at account opening. As stated in our prior responses, this was a valid account, not opened
      fraudulently; therefore, would preclude you from being eligible to receive promotional offers for
      twelve months following the date of opening. We confirmed the account did not receive any direct
      deposits prior to closure.
      ? 11/13/23: Our records indicate you visited the Whitehall branch regarding your payroll direct
      deposit being returned due to the account closure.
      ? 11/27/23: Records indicate you again visited the branch regarding the account closure.
      ? 12/4/23: A branch manager spoke with you regarding your concerns with the account closure and
      the return of your payroll direct deposit. They escalated the matter to a Centralized Retail Support
      Specialist and a branch representative phoned you to follow up.
      ? 7/12/24: Account ending in **** was opened when you visited the branch to cash a check and
      were referred by a teller to a representative to open an account so that you could avoid paying a
      check cashing fee assessed to non-clients. We are unable to substantiate any calls were made to
      you or appointments scheduled for opening an account with the premise of receiving a “gift” or
      promotional offer from KeyBank. We maintain that during the opening process you were advised
      of your ineligibility for a promotional offer due to having an account within the past 12 months. We
      additionally maintain the representative added the marketing code at your request, which
      functioned properly and was declined.
      For your convenience, we’ve enclosed copies of any relevant documents or correspondence related to
      this concern. Please refer to the list of enclosures at the bottom of this letter.
      ©2024 KeyCorp. KeyBank Member FDIC. XXXXXXXXXXXXX
      Here’s a summary of the findings that determined our decision.
      As a result of these findings, we’ve determined you were accurately advised of your ineligibility to receive
      a promotional offer due to your having had an account within the past twelve months prior to July 12,2024.
      Our review found no evidence to support your allegation that a branch representative scheduled an
      appointment for you to open an account or to refute their accounting of events. In addition, your initial
      account was determined to have been opened online without a marketing code and with inaccurate
      identification information, causing it to be closed by our Fraud Department prior to any direct deposits
      posting to the account.
      Finally, with regards to your contact with our Enterprise Client Relations department, our previous letter
      fully addressed this matter. Records indicate your prior case ******** was closed on October 31, 2024.
      Our review found the representative followed procedure with regards to contacting you, with her last
      outreach occurring by phone on October 30, 2024. When she was unable to connect with you by phone,
      she sent the enclosed email requesting you contact her for resolution; however, it was not responded to.
      We’re here for you.
      Please know that we arrived at this resolution after a long and careful review of the factual events that
      occurred.
      If you need further assistance, I’m happy to help. Simply contact me at 1-800-625-3256, Monday through
      Friday from 8 am to 6 pm ET. (Dial 711 for TTY/TRS.) Please be sure to have the following information on
      hand when you call:
      ? BBB Case #* ********
      * ******* **** ** ******
      Thank you once again for bringing this matter to our attention. We use client feedback, both positive and
      negative, to constantly evaluate our interactions and enhance our client experiences.
      Kind regards,
      ****** **
      ********** ****** *********
      ****** ** *** ********* 

      Customer Answer

      Date: 12/20/2024

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.



      [To assist us in bringing this matter to a close, we would like to know your view on the matter.]


      Respectfully disagree I did not open the account with a check needing be cashed I was at a bank already having no issues what so ever .. I opened the account based off employee calling and talking about this “gift” and me coming to the bank there was no purpose other then that to switch to key especially after having my payroll absolutely posted to that account and had to be sent back I opened that account with $10 cash so I’m not understanding where the need to cash a check was and also I have never spoken with a branch manager ever and also i will double down and recertify that Madison was beyond unhelpful and lacked communication and never gotten back to me to date even after filing complaint matter fact last conversation I had with her she had a meeting on a Thursday about it and some “special department” handles these things and keep looking account her last words and then she fell off the map 

      Regards,



      ***** *****









       

      Business Response

      Date: 01/02/2025


      We have previously responded to your concerns regarding your accounts. For your convenience, we have
      enclosed those previous responses. Our position remains the same as our previous responses. Please be
      advised that we consider this matter closed.
      If I can be of further assistance, please contact me, citing case number ******, at 1-800-625-3256. For
      clients using a TTY/TRS device, please Dial 711. We are available Monday through Friday from 8 a.m. to
      6 p.m. Eastern Standard time.

      Customer Answer

      Date: 01/03/2025

      Better Business Bureau:
      My position still stands where it is also thanks key bank for wasting my time gas and sanity .. Also for allowing your employees to flat out lie to you Once again there was no reason to switch from my current bank that I was at until influenced by your employee I’ve never talked to any branch manager I will say again and also I will double down on the fact the “executive “ relations Madison was beyond unprofessional in general I will take this experience and make sure I pass along to my friends that bank with you and also to a business that my friend owns that banks with you also. I will

      ler them know how you treat customers and that they shouldn’t bank with you and create a blog this is just wrong 

      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.




      [To assist us in bringing this matter to a close, we would like to know your view on the matter.]




      Regards,



      ***** *****









       

    • Initial Complaint

      Date:11/13/2024

      Type:Product Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I deposited a settlement check with the bank on 11-11. When I deposited the check, I was never notified that I would not be able to access my funds immediately. When I called in to the bank, I was told I would be able to access them with in 24 hours. Then after the 24 hours, they were released then pulled back again leaving my account in the negative of $-296. When I called into the Mansfield ohio office, they told me to the call the Beachcroft office, where I deposited the check, so I did. Kamal the office manager stated the back office refused to released to the funds or any of the funds because they felt the check was fraudulent. Which was insane! It came from my attorneys office which they could have called and verified but they were too lazy to call and verify. Then they told me I had to wait until 11-20 to access any of my funds which is unacceptable. They were not willing to work with me at all.

      Business Response

      Date: 12/03/2024


      This letter is in response to your concern filed with the Better Business Bureau. We regret the frustrating experience
      you’ve had and would like to share the results of our investigation.


      On November 11, 2024, you deposited a check at the Beechcroft branch for $10,292.84. The enclosed hold notice was
      sent to the address on file to advise the funds from this deposit are being held due to concerns identified during the deposit
      monitoring process. These funds were held in accordance with the Deposit Account Agreement and Funds Availability
      Policy and the hold was released on November 19, 2024. Per section 6 of Part II Funds Availability Policy of the enclosed
      Deposit Account Agreement and Funds Availability Policy it states in part, “We will notify you if we delay your ability to
      withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be
      available for withdrawal no later than the fifth business day after the day of your deposit.”


      We apologize for any inconvenience or frustration this may have caused. We use client feedback, both positive and
      negative, to reinforce or improve our delivery and servicing of client Accounts. We appreciate you bringing this to our
      attention, and please be assured it has been addressed internally with the appropriate personnel.

      If I can be of further assistance, please contact me, citing the case number above, at **************. For clients using a
      TTY/TRS device, Dial 711. We are available Monday through Friday from 8 a.m. to 6 p.m. Eastern Standard Time.
      Sincerely,


      Trivia F.

    • Initial Complaint

      Date:11/11/2024

      Type:Customer Service Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I opened an account on line with a promotional code to receive $300. Once certain amounts of deposits were made in a time frame. I received a call from the Layton branch stating I needed to come in and show proof of id and residency which I did. So apparently since I went in to show proof of who I am it wasn’t “done on line” so I didn’t qualify for the promotion. The lady I’ve been talking with at the Layton branch said she would correct this but was unable to do so. She said if I would have come to the branch and opened my account I would have gotten my promotion of $300. But the promotion clearly states you have to open the account on line to be eligible for this. So what the hell?? My son ****** **** also signed up for the promotion and of course he was denied also. I was told this was an error on their part not mine therefore I would receive the money. Nathan was denied for the same reason. This makes absolutely no sense to me what so ever!! Don’t promote these bonuses if you don’t intend to follow through with them!!!!!

      Customer Answer

      Date: 12/11/2024


      This letter is in response to your concern filed with the Better Business Bureau. We regret the frustrating experience
      you’ve had and would like to share the results of our investigation.


      The Checking Account was opened on June 28, 2024, via Online Banking. On the same day, you were contacted by a
      ****** ***** branch employee for a Financial Wellness Review and based on that conversation, you agreed to visit the
      branch that day to open the Savings Account. You were asked to bring identification as it was needed to open the Savings
      Account. The request for identification was unrelated to the Checking Account that was opened via online banking.
      We have no record of a promotional marketing code being entered at the time of the Checking Account being opened,
      which was completed by you via Online Banking. Although the ****** ***** branch staff tried to assist you with adding a
      marketing code, it was unsuccessful as the marketing code had to have been entered at account opening. We did not find
      any evidence that a branch employee advised you would receive the offer if the account was opened at the branch, or of
      being told this was a KeyBank error and that you would receive the offer. Our review found no bank errors.


      Regarding your allegations that your son had a similar experience, Federal privacy regulations prohibit KeyBank from
      providing any account information to a third-party without proper authorization.


      If I can be of further assistance, please contact me, citing the case number above, at 1-800-625-3256. For clients using a
      TTY/TRS device, Dial 711. We are available Monday through Friday from 8 a.m. to 6 p.m. Eastern Standard Time.
      Thank you for allowing us to serve your banking needs and contribute to your financial wellness.


      Sincerely,
      Vincenza H.

    • Initial Complaint

      Date:11/04/2024

      Type:Sales and Advertising Issues
      Status:
      ResolvedMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I AM BEING HOUNDED CONSTANTLY WITH JUNK MAIL FROM THESE KEY BANK PEOPLE. I HAVE NO IDEA WHO THESE KEY BANK PEOPLE ARE NOR DO I HAVE ANY IDEA HOW THEY GOT MY PERSONAL INFORMATION. ALL I KNOW IS THAT I AM FORCED TO SHRED ALL THIS JUNK MAIL AS IT IS NON STOP SOLICITATIONS ABOUT OPENING AN ACCOUNT WITH THEM. I HAVE TRIED TO GET THEM TO REMOVE MY NAME AND ADDRESS FROM THEIR MAILING LISTS BUT THE JUNK NEVER ENDS. I WANT NOTHING TO DO WITH THESE KEY BANK PEOPLE AND I ALSO DO NOT WANT THEM TO SELL OR GIVE MY PERSONAL INFORMATION OUT TO ANY OTHER COMPANY OR ORGANIZATION. I WANT THE CONSTANT HARASSMENT OF JUNK MAIL ABOUT OPENING AN ACCOUNT WITH THEM TO STOP SO THAT I AM NOT CONSTANTLY HAVING TO SHRED ALL THEIR JUNK MAIL. I NEED THE BBB TO HELP ME GET THIS JUNK MAIL TO END.

      Customer Answer

      Date: 11/21/2024

      [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]



      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 



      Regards,


      ***** *****




      Business Response

      Date: 11/24/2024

      This letter is in response to your concern filed with the Better Business Bureau. We regret the frustrating experience
      you’ve had and would like to share the results of our investigation.
      Per your request, we have added your information to our internal do not mail list and you will no longer receive any
      marketing communications from KeyBank. We sincerely apologize for any inconvenience or frustration this may have
      caused. We use feedback, both positive and negative, to reinforce or improve our delivery and servicing and we appreciate
      you bringing this to our attention.
      If I can be of further assistance, please contact me, citing the case number above, at **************. For clients using a
      TTY/TRS device, Dial 711. We are available Monday through Friday from 8 a.m. to 6 p.m. Eastern Standard Time.

    • Initial Complaint

      Date:10/21/2024

      Type:Customer Service Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      A fraudulent mobile deposit occurred in my checking account at Key Bank and **** ***** closed my account without calling the Fraud department first which caused me to be "hot filled" at Chek Systems for a fraudulent mobile check, even though I never signed the check. He told me I did not owe Key Bank any money. I am demanding Key Bank send me a letter stating that I do not owe them any money and that this was a mistake by their employee not following their procedures so I can submit this letter to Chek Systems and have my record corrected because I can not even open up a bank account now. The signature on the back of the check is clearly not my signature.

      Business Response

      Date: 02/07/2025

      This letter is in response to your concern filed with the Better Business Bureau related to the Account. We regret the
      frustrating experience you’ve had and would like to share the results of our investigation.


      On August 16, 2024, a $971.35 check was deposited into the Account via the mobile app. A hold delaying the availability
      of the funds from that deposit was placed in accordance with the Deposit Account Agreement and Funds Availability
      Policy (“Agreement”). On August 20, 2024, that check charged back. For your convenience, please find the chargeback
      notice enclosed. As a result of this deposit, on August 21, 2024, a restriction was placed on your Account. After an
      investigation, as a result of the activity on the Account, we made the decision to exit our relationship with you and closed
      the Account. Please find the closure notice enclosed.


      Please be advised that you do not owe any balance from the Account. However, as disclosed within the Agreement, we
      have reported your Account to ***** ******* ********* *** *******. To dispute the information we have furnished to
      EWS, you can visit their website at **************************************************


      If I can be of further assistance, please contact me, citing the case number above, at 1-800-625-3256. For clients using a
      TTY/TRS device, Dial 711. We are available Monday through Friday from 8 a.m. to 6 p.m. Eastern Standard Time.


    • Initial Complaint

      Date:10/20/2024

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Key Bank Credit Card Fraud charges: 01-03-2024 $9.95 & 01-10-2024 $179.84. I called Fraud Dept on each of these dates. Reported to them that these were not my charges & not to let them go through, but didn't help me. Website for these charges: elegance glow hub.com and phone number on charges is: 866-271-1944. This phone is answered by a warehouse for purchasing Auto Insurance not glow hub. I've repeatedly at least monthly reported the Fraud without luck. I've been to local office and several times had them dial with same results Not Glow Hub. The Bank Manager even sees this is fraud but his supervisors declined to help.This $179.84 charge apparently was for 1 bottle of cream, I didn't do this. I don't carry a wallet so my credit card is in cell phone. I'm not permitted to use any creams unless doctors order. Due to Double Mastectomy, 3 surgeries, many treatments, procedures, testings,and doctor appts. The Bank Fraud Dept accused me of ordering on my computer, I don't have a computer and am 69 years old, this complaint filing has taken me all day and several days. They are charging me late fees and interest and have turned me to Collections. Yesterday my credit score went down 69 points and as of Nov 1 they went $276.81. PLEASE HELP ME, I've always paid card off every month.

      Business Response

      Date: 11/19/2024


      This letter is in response to your concern filed with the Better Business Bureau. We regret the frustrating
      experience you’ve had and would like to share the results of our investigation.


      On January 17, 2024, we received a dispute from you on the Credit Card totaling $189.79 for two (2)
      transactions from the same merchant, a January 3, 2024, transaction for $9.95 and a January 10, 2024,
      transaction for $179.84. We issued the Credit Card a $189.79 temporary credit, marked the Credit Card
      lost, and rebooked it as the Credit Card ending in 6169 the same day. I have enclosed a copy of the
      Dispute Confirmation Letter that was mailed to the address on file for your records.


      On March 11, 2024, we notified you in the enclosed Dispute Approval Letter that we reviewed the
      dispute you filed on January 17, 2024, and approved the January 3, 2024, transaction for $9.95, and the
      previous $9.95 temporary credit became a permanent credit.


      On March 26, 2024, we completed our review of the January 10, 2024, transaction for $179.84, and
      notified you in the enclosed Dispute Denial Letter that unfortunately, we were unable to approve the
      transaction due to conflicting information we had identified. The previous $179.84 temporary credit was
      reversed form the Credit Card the same day.


      We received a request to reopen the denied claim on April 12, 2024, and the enclosed Dispute Reopen
      Request Letter advised that we will be reviewing the request and respond to you with our decision. On
      April 15, 2024, we finished our review and notified you in the enclosed Dispute Reopen Denial Letter
      that our determination to deny the January 10, 2024, transaction for $179.84 would remain due to
      conflicting information being identified. You requested the documentation that was utilized in our dispute
      decisioning, and on May 10, 2024, you were provided you with a copy of the Disclosure Statement and
      Terms and Conditions for Electronic Fund Transfer Transactions in the enclosed Dispute Documentation
      Letter. This was the incorrect documentation to send to you. We sincerely apologize for any
      inconvenience or frustration this may have caused, and please be assured it has been addressed internally
      with the appropriate personnel. The Account Agreement was the correct documentation. Per Section 17.
      b., “After we finish our investigation, one of two things will happen: If we made a mistake: You will not
      have to pay the amount in question or any interest or other fees related to that amount. If we do not
      believe there was a mistake: You have to pay the amount in question, along with applicable interest and
      fees. We will send you a statement of the amount you owe and the date payment is due. We may then
      report you as delinquent if you do not pay the amount we think you owe.” I have enclosed the Account
      Agreement for your records.


      On June 26, 2024, we received another request from you to reopen the denied claim. The enclosed
      Dispute Reopen Request Letter dated June 26, 2024, informed you that we will review and then respond
      with our determination.


      After reviewing again, we again made the determination that there was definite conflicting information
      with the transaction and therefore the claim would remain denied. You were made aware of the denial in
      the enclosed Dispute Reopen Denial Letter dated July 12, 2024.
      Our review of the dispute decisioning found no error. We did not find evidence that we failed to assist
      you appropriately. As of November 5, 2024, the Credit Card ending in 6169 is correctly reporting as sixty
      days past the due date. Fees and interest are being accessed in accordance with the enclosed Account
      Agreement.


      Please be advised that KeyBank complies with the provisions of the Fair Credit Reporting Act, which
      prohibits furnishing any information to a credit reporting agency related to a consumer that KeyBank
      knows or has reasonable cause to believe is inaccurate. We were unable to find any errors with the
      information we have furnished to the credit reporting agencies, and as a result, we are unable to make any
      updates to that information.


      You should distrust unexpected calls, text messages, or emails involving urgent situations, pressure
      tactics, and requests to move money or share personal information (user IDs, passwords, authorization
      codes, etc.) for verification purposes. Remember, KeyBank will not unexpectedly call, email, or text a
      client and request their sign on credentials, passwords, PIN, or one-time passcode. Also, we will never
      ask you to send money to yourself by using any electronic method such as *****®, account transfers, or
      wire payments. If you receive a suspicious call, you should hang up immediately. If the caller claims to be
      from a trusted company, you should independently look up and call a known number for that company.
      For example, if a caller claims to be from KeyBank, you should hang up and verify by contacting your
      local branch, 1-800-KEY2YOU®, or our Fraud Hotline at 1-800-433-0124. You can learn more about our
      commitment to fraud prevention and cybersecurity at key.com/consumer-security.
      If I can be of further assistance, please contact me, citing the case number above, at 1-800-625-3256. For
      clients using a TTY/TRS device, Dial 711. We are available Monday through Friday from 8am to 6pm
      Eastern Standard Time.


      Thank you for allowing us to serve your banking needs and contribute to your financial wellness.

    • Initial Complaint

      Date:10/15/2024

      Type:Billing Issues
      Status:
      ResolvedMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      My complaint is with KeyBank due to a settlement amount with ***** ***** ***** they work with a third-party by the name of payee NES-Asset Acceptance The last four digits of the credit card 7528 paid in full on June 26, 2023 12 payments of $609.58 equal $7314.96 still showing on my credit report I’ve attempted to contact them several times over the last year have not gotten any results. I have proof of payments starting July 28, 2022 through June 26, 2023 was the last payment paid in full. Global Direct Pay Debit my account on each month starting July 2022 through June 2023 was the date that it was paid in full. See the attachment proof of payments.

      Business Response

      Date: 11/25/2024


      This letter is in response to your concern filed with the Better Business Bureau. We regret the frustrating experience
      you’ve had and would like to share the results of our investigation.
      On June 19, 2019, the Account was charged off with an outstanding balance of $16,255.24. On July 22, 2022, a settlement
      agreement was arranged with the third-party agency, NES, to resolve the Account for a total of $7,315.00, structured over
      12 monthly payments. The settlement arrangement was successfully completed on June 27, 2023. Due to an
      administrative oversight, KeyBank was not promptly informed to update the Account status with the credit bureaus upon
      settlement completion. After KeyBank received confirmation from NES, the Account update was submitted to the credit
      reporting agencies on October 24, 2024, to reflect the Account as paid and closed as of June 27, 2023. Please find the
      enclosed letter as confirmation of the update provided to the credit bureaus.
      We sincerely apologize for any inconvenience or frustration this may have caused. We use client feedback, both positive
      and negative, to reinforce or improve our delivery and servicing of client Accounts. We appreciate you bringing this to
      our attention, and please be assured it has been addressed internally with the appropriate personnel.
      If I can be of further assistance, please contact me, citing the case number above, at 1-800-625-3256. For clients using a
      TTY/TRS device, Dial 711. We are available Monday through Friday from 8 a.m. to 6 p.m. Eastern Standard Time.
    • Initial Complaint

      Date:10/08/2024

      Type:Product Issues
      Status:
      ResolvedMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On Friday the 4th of October, I received an email stating that my account needed my attention. I immediately brought up the account and found that it was 499.66 cents overdrawn. I called the 800 number immediately and was told I could not close the account until it was made 0 balance. So I put the 500.09 in electronically and asked them to close the account or make it un-accessible. I begged them to put a freeze or stop this from happening again and was told by 3 - 5 different employees that the account had to remain 0 for 24 hours. Sure enough over the weekend another 400 dollars. I put the money in again to zero the balance. On Meburonday the 7th I drove to Mishawaka to ask them to stop the account from being used. They tried to block it but couldn't. this morning there was another 300 out. I paid it again. Now it's 400 down again and they are saying they can't do anything still. They did say that it should'nt
      affect my credit unless the account gets closed with a negative balance. I can not afford to keep bringing this account to zero just to have it happen again. Key bank Sucks. This is an account that was opened 2 years ago, in **********, Vt by ********* It
      is my sons account and for whatever reason she piggybacked me. it hadn't been an issue until now. The fraud department and the employees all of them say, they can not do anything to protect me, the client. I closed my other 2 accounts with them for such terrible treatment. They are purposely allowing this to go on and do nothing about it.
      I want protections put in place for people like me. I have always kept my accounts in good standing and if you check my credit report it is pretty awesome. So having an establishment as big as keybank with no safty measures in place for the 2nd person is awful. Please make them close this account. or at least get my name off. Or explain how I can do that.

      Customer Answer

      Date: 10/21/2024

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
      On the very day we opened this account with Danielle, In **********, Vermont we asked for no overdraft protection.  We did not want the bank to pay overdrafts.  If there were no funds available the transaction didn't exist.  

      Many years ago another establishment had sneaky little phrases as such,  Furthermore how do you stop this from happening to new customers if you don't explain exactly what the statement means  I know because as I said I had another bank that performed this way.  None of my accounts have overdraft protection.  I know better.

      On that comment, what are the safeguards for this exact event.  I called immediately when I saw an issue, I was told that the account had to be zero and not used in 24 hours.  I begged for some kind of block and was told that couldn't happen.  When I went to the bank in Mishawaka, Indiana, the branch manager said she put a block on the account and that didn't work, then Lynette in Mishawaka whom was excellent at keeping me from having a heart attack, took the overdraft protection off so that this couldn't happen again..  That's what she said, then the very next morning here we go again. Lynette took the protection off again and the next day overdraft.  How can a company the size of Keybank allow such terrible customer treatment.  I am sorry I even went there.  I am certain  am not the only one.  The worst part is, Keybank used to allow the account to be blocked and then did away with it.  I also believe that there should not be an automatic overdraft protection added to the account.  Either yes or no should be up to the consumer.  I understand a bank makes much more money when people overdraft their accounts, but I was a victim not a contributor.

       





      Regards,



      *** ***** *****









       

      Customer Answer

      Date: 10/28/2024

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.


      I see you say that the option was released on the 11th of October so how did all the ones from the 1st of October until the 9th get through?  There was no overdraft protection option through those days.  Yet here we are. Please go back and check the account.  I saw all of those fees and the overdraft and I made it 0.  You still allowed further transactions to go through after I called for days.  This is not the kind of customer service I want or expect.  There should be safeguards in place for me.  Since no changes had been made until the 11th, you should be responsible up until then.



      Regards,



      *** ***** *****









       

      Business Response

      Date: 10/31/2024


      This letter is in response to your concern filed with the Better Business Bureau (“BBB”) related to the
      Account. We regret the frustrating experience you’ve had and would like to share the results of our
      investigation.
      As stated in our written responses, dated October 21, 2024, and October 28, 2024, it has been confirmed
      that at Account opening, overdraft consent was opted out of. However, this election was later changed
      pursuant to the co-owner’s request on the Account as both co-owners have the same access for making
      changes, this includes any changes requested for Overdraft Consent. For your convenience, please find a
      copy of our responses enclosed. Additionally, I have enclosed a copy of our Overdraft Consent Disclosure
      for your review. Please know that our position remains the same and we consider this matter to be
      resolved.
      If I can be of further assistance, please contact me, citing the case number above, at 1-800-625-3256. For
      clients using a TTY/TRS device, Dial 711. We are available Monday through Friday from 8 a.m. to 6
      p.m. Eastern Standard Time.
      Sincerely,
      Gabby O.
      Enterprise Client Relations
      Office of the President
      Enclosures
      Response Letter dated October 21, 2024
      Response Letter dated October 28, 2024
      Overdraft Consent Disclosure 

      Customer Answer

      Date: 10/31/2024

      I have no other option but to accept your answer.  Though this is a real crappy way to promote a business.  I can assure you that I will always give you a terrible recommendation as a great consumer option.  Your practices are unfair and down right wrong as far as I'm concerned.  I hope that enough customers get sick of being treated this way and come together.



      Regards,



      *** ***** *****




    • Initial Complaint

      Date:08/12/2024

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On or about 02/29/2024, I filed a dispute regarding charges totaling $720.00 that were withdrawn from my KeyBank checking account via ******. Unfortunately, I was a victim of a scam and was taken advantage of because I am fully disabled with autism. Expecting KeyBank to support me, I filed a "Chargeback" with them, as situations like this are typically covered under FDIC protection, and I am also fully disabled under the ADA. KeyBank refunded my money in early March, and I thought everything was resolved. However, in April, I received a letter stating that they had completed their investigation and did not believe it was a scam or fraud. What? As a result, my account was overdrawn when they withdrew the $720, and they started charging me overdraft fees on the money they had initially refunded! How does that make any sense? I contacted their fraud department multiple times, only to receive the runaround. I was told that a review would be conducted, but I never received a callback—just radio silence. They informed me that ****** had told KeyBank that my "IP address" matched the location where the money was sent. Obviously, it's a scam! I was taken advantage of over the phone, and my aide wasn't there to help me because I don't know how to think for myself, and I was extorted.
      Now, my KeyBank account is closed, and I'm receiving collections notices and negative impacts on my credit. I'm considering consulting a lawyer and contacting the news about this situation. The incompetence of KeyBank is mind-blowing, and all the grief this has caused me is overwhelming. Is your money not FDIC-secured at KeyBank? Does KeyBank not care about people with disabilities?

      Business Response

      Date: 09/03/2024


      Dear ****** ******:

      This letter is in response to your concern filed with the Better Business Bureau. We regret the frustrating
      experience you’ve had and would like to share the results of our investigation.

      On March 5, 2024, you filed a dispute claim for three (3) ****** ************ transactions that
      occurred January 22, 2024, for $150.00, February 20, 2024, for $300.00 and February 26, 2024, for
      $270.00. At that time, you were provided provisional credit. On April 26, 2024, the case was completed,
      and the enclosed dispute letter was sent to you advising there was reason to believe the transactions were
      authorized based on merchant documents, enclosed, reflecting information that matches your current
      account information. It was also advised that the provisional credit would be reversed on May 6, 2024,
      which it was. We were unable to find any error in the denial of your dispute. For your convenience, please
      see the enclosed correspondence sent to you related to the disputes.

      On May 6, 2024, when the provisional credit was reversed, it caused the Account balance to go negative.

      On May 7, 2024, the overdraft notice, enclosed, was sent to you advising the Account’s balance was
      negative, that no fee was assessed at that time, but a recurring overdraft fee would be assessed if the
      Account remained negative for five (5) or more business days. The Account was not brought positive
      resulting in a $20.00 recurring overdraft fee being assessed on May 10, 2024. The balance was not
      brought positive for more than sixty (60) days and as a result, on July 8, 2024, the Account was closed
      with a balance owed of $740.00 and on July 10, 2024, the enclosed charge off notice was sent to you
      advising such. If you have any questions related to the charged off account or if you would like to discuss
      payment options, please contact our Recovery department at **************.

      Additionally, we reviewed your interactions while you were attempting to resolve this matter and
      discovered your request to provide the documents relied on in the dispute decision was not completed. I
      can assure you any opportunities discovered have been addressed internally with the appropriate
      personnel. We regret any frustration or inconvenience this may have caused you. We use client feedback,
      both positive and negative, to reinforce or improve our delivery and servicing of client Accounts. We
      appreciate you bringing this to our attention. Please note, the documentation you requested is enclosed
      with this response.

      Lastly, regarding your inquiry concerning whether KeyBank being FDIC insured has any bearing on the
      return of your funds, please note that FDIC insurance does not cover fraud and disputes. For additional
      information about FDIC deposit insurance as well as coverage of specific types of accounts, please visit
      ******************** or call **************.

      If I can be of further assistance, please contact me, citing the case number above, at **************. For
      clients using a TTY/TRS device, Dial 711. We are available Monday through Friday from 8 a.m. to 6
      p.m. Eastern Standard Time.

      Thank you for allowing us to serve your banking needs and contribute to your financial wellness.
      Sincerely,

      Joann J.
      Enterprise Client Relations
      Office of the President

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