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Loan
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

ANCHORAGE, ALASKA -- It seems to me that when applying for a loan the bank and its customer are entering in a kind of unspoken contract. The bank has agreed to loan the requested money to the customer under the qualifying circumstances and the customer agrees to take the loan if they qualify. This unspoken contract is to ensure that each party is not wasting each other's time and not putting the other in a bad situation. Key Bank violated that understanding. We qualified but for some reason they did not want to do the loan. We provided all the documentation to prove we qualified but the bank kept dragging things out and then further.

We applied for a boat loan. We gathered all the documents together to prove we qualified, not a small amount of work at that. After almost three weeks Key Bank asked for something that was kind of outrageous. They wanted to know how much Alaska Mining and Diving paid for the boat we were purchasing. The only thing the bank should be concerned with is how much the boat could be sold for if we defaulted. It seems clear now what Key Bank was trying to do was create circumstances in which the loan could be denied because not many dealers would be willing to provide such documentation and for understandable reasons. Unfortunately for Key Bank Alaska Mining and Diving did provide the documentation.

Almost immediately after AMDS provided the documentation we got a disturbing call from our loan officer, luckily. Angelina is the kind of person you want as a loan officer. She told us that after almost three weeks of work and working exclusively with Key Bank, keeping with our side of the contract, the Bank was going to take at least two more weeks to decide if we got the loan. Based on her tone of voice, apologetic and embarrassed, and answers to my question it was apparent that the Bank did not want to do the loan for some reason but could not deny us based on our qualifications.

In essence, they were telling us to go away but could not muster up the courage, integrity, or legitimate reasons for doing so. Instead, they were putting us in a situation in which we could be denied the loan just a couple of weeks before we were to take delivery. We were forced to go elsewhere and are now scrambling just a month before we are to take delivery to get financing elsewhere. Almost nine months before we had been insured by Jake that we were qualified and would get a loan, unless, of course, we were lying about our income and so forth.

Luckily we applied much earlier than Jake recommended. Jake was not our loan officer but a manager as I understand it. We were lied to. Key Bank is not an institution of integrity. Legitimate businesses simply do not treat customers like this. Managers do not lie to customers and under circumstances like this would at least go to bat to make things right. I have not heard a word from Jake. I have only had profuse apologies from Angelina. Skip this bank and save yourself the headache.

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Keybank Takes advantage of customers whose cards are charged with fraud $3,000 in overdraft fees alone
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

CANTON, OHIO -- Something needs to be done. What if it were their money? What if they were actually in my shoes? Keybank took as of today according to hellowallet 3,000$ IN FEES. That is right- only fees. It does NOT include the disputes that were on there. My story and believe me MY account has always been in good standing except for when the disputes started happening. I have been a good customer of Key bank. I admit I did not research the bank well before deciding to open an account there.

In the last 2 months I Have been taking care of my parents and had not been watching the account as closely as I should have:
I always had money going in and never worried about overdraft : But one day I started noticing my card got declined. I sat down for 3 hours going through everything . I saw charges that looked as though they were internet based charges that I did not recognize and it was small amounts and then more larger ones.
I saw tons to my astonishment of overdraft fees over and over and because of these unrecognized charges - I called up and disputed by phone with Key bank employee Winston Jenkins on 7/24
I followed up with 2 emails
Even though I shop online a bit because rheumatoid arthritis can have severe flare ups at times - I knew I had to force myself be able to go to the Key Bank on 1115 30th Street in canton Ohio 44709 and spoke to Matthew Rossetti
Who stated they can't do anything at the branch (NOT even a courtesy of 1/2 of those fees they charged)
BUT put yourself in my shoes. If they could of just given me courtesy refund of 1/2 those fees they charged, it would of helped while they investigated : Now my phone bill got kicked back yesterday . Overall I was victim to some kind of sneaker app which continued to be charged. I'm a 45 with one son at WVU He has his own bank and his own iTunes and is not into sneakers nor am I . I don't even get out of the house much as stated. I even see that key is charging for returned Verizon bill.
I help my father who is 79 and his car payment is due 8/1
I will not be able to make it unless something is done. I'm not some sort of person to try to con a bank . They can see how much money has gone into my account keeping it in good condition until the last 2 months - I admitted I had not been watching it closely because it is rare I have problems. I do get upset at times and have misplaced my card but on those few occasions - but when the card was lost; there were no unrecognized charges. So are they counting all this against me?
It keeps piling up. As of this morning, the hello wallet I just installed tells me just bank fees only are at $3,016
It seems as though some type of provisional credit can be offered . But again no I have to wait 10 days . Bills won't wait 10 days and I'm sure if I had a mortgage there they wouldn't wait either .
Once I saw this I bet I have been round and round with the fraud department asking what I could do. Do I need to go do a police report? I don't Have an inkling But all I'm told is that wait Needless to say what my sleepless nights are like worrying. As I started researching key more; I found all kinds of stuff. Apparently they do this all the time.

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Horrible
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

DENVER, COLORADO -- You should definitely know that they will not give you back any late fees that they charge to your account for whatever reason illegally because I'm decently sure that's illegal now. Even if it's not, it's freaking sick and literally is a way for them to just steal your money. Instead of helping you though, they'll just stare at you, while you cry at the front counter due to the embarrasssment and frustration you feel, because the late fee THEY CHARGED YOU caused your account to be in the red and you're trying super hard in life to make ends meet. Instead, they'll blame you or just stare at you. I couldn't pay my credit cards because of things out of my control including the fact that I went through severe mental abuse and a drug addiction due to the mental abuse (which I got myself out of with no rehab or counseling yet still face issues from it) at a job and really just needed a little help. I called them for advice, even told them my heartfelt story and that I was screwed out of a job and some money and the lady on the other line said "well how much do you have to give us?"...seriously?! Someone tells you that and THAT is your response? No I'm sorry that's wrong on SOOOOOO many levels. On top of that, I was told to call back when someone there could help me and the lady didn't know when that person would be in...wow gee, thanks for the help! and even went to speak with someone when someone was finally there and was turned away for a loan when my plan was to simply refinance the two credit cards with a loan and work with them on a low monthly payment but noo....they have to keep calling me and calling and calling and calling and harassing me when I TOLD THEM I DON'T HAVE ANY MONEY TO GIVE THEM they KEEP calling me and calling. I even called them back to tell them I literally just had nothing. This is harassment, and it's wrong. Key bank can seriously SCREW OFF! There was a time when I needed money in my account, desperately needed it, because I was a delivery driver and needed gas for work so I could make money to pay THEM. They just stared at me when I went in and said oh sorry, the money you deposited 2 days ago isn't yet in there and turned me away. 2 days!!! Please! Simple deposits instantly. This is the 21st century and there is NO reason ANY deposit shouldn't be instant. It can and is being done by other companies. So here's my advice: don't bank with ANY bank. Because they're all scumbags, they will not help you in your time of need despite being a billion dollar company and especially stay away from KEY. I'm planning on closing my account ASAP. I had to call a debt relief service to consolidate my debt because no one would help me at the bank that claims they're so freakin' fantastic and wonderful. Then if my bank is so amazing why do they keep literally robbing me? Charging me late fee after late fee doesn't make it any more possible for me to pay off my debt...stupids. Horrible bank, horrible, inhumane people. Very greedy. I'm not ok with that. If they want to credit me back literally every single late fee they've ever given to me, maybe I'll consider staying with them. But they've made me so mad I'm posting everything I can to review sites to try to help with the struggle to get them downsized and disappeared from our society. Ain't nobody got time for lying douchy scumbags who rob hard working people of their money and dignity. So if you want to contact me, Key Bank, you better have a DAMN good explanation as to why you already haven't refunded all my late fees before you contact me, because you're robbing people...that's bull and we all know it. I couldn't buy groceries one week because you took away my money from a late fee. I could not EAT because YOU guys stole my money...not ok! Morally, ethically, and humanely, NOT OKAY YO!

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Save your time and money - bank somewhere else
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

Key Bank is a poor example of a bank and is only focused on making a profit over customer service. On the 26th, I realized that if my pending charges posted, of $42.07 and $2.17 were to post that day my account would be overdrawn by $1.71. I quickly made a small deposit of $2.00 just to cover the fee to keep it positive. They held that deposit and did not post it until the next day. And although the two charges had not posted at the end of the day, I was charged an overdraft fee of $32.00 anyway.

At the close of day on the 26th, my actual balance (not available balance) was positive, but less the $32.00. I called to complain about my deposit not posting on the 26th and was told I missed the cutoff time. They agreed to reverse the fee. But the fee reversal did not post until the 28th. So when those charges came through on the 27th, for which there would have been enough money to cover them if not for the overdraft fee, I was charged two more overdraft fees - a tier 1 of $32.00 and a tier 2 of $37.00. My account is now overdrawn by $68.66 due to $69.00 of overdraft fees. They refuse to reverse the fees.

I will be closing my account tomorrow after my paycheck posts and I pull my funds out. I'll have to pay their $25.00 early closure fee but it will be well worth it to never have to deal with this bank again. Stay away if you value your time and money. For purposes of helping people out - overdraft fees are charged based on your available balance. Pending charges affect your available balance but pending deposits do not when calculating overdraft fees. And even though the pending charges were included when they initially calculated the overdraft, you can be charged again for these when they actually post to your account.

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Behavior and Incompetence
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

WEST BLOOMFIELD, MICHIGAN -- I came to Key Bank when Brenda ** was the manager there. Brenda bent over backwards helping me set up a new business. She truly cared and it showed. She would actually call me to make sure an issue was resolved. She was a total delight to work with. Myron was a wonderful as well.

After that, the whole atmosphere of the bank changed. Joanne refused to help me in any way. I had two issues I needed help with and both times she handed me an 800 number and told me to handle it through them. After spending much time attempting to rectify the issues myself, I complained to corporate about her total lack of customer service, she must have been notified because she has made me pay ever since.

I inherited a substantial amount of money and one of your tellers (Alon) suggested I invest the money in a CD and quoted me a rate. I agreed and Tanisha started setting up the account. I called to finish the transaction and Joanne said "too bad, the interest rate you wanted expired yesterday and Tanisha is on vacation". After I called corporate, she called back and said she would honor the rate. I noticed another staff (Lisa) had picked up on her behavior as well and the few times I called, they would bounce me back and forth - keeping me on hold for ridiculous periods of time.

Last week I needed to send a wire transfer, I asked the price and Jill said $25.00. I was charged $30.00 and asked Tanisha about it. She said "Lisa make a mistake and I corrected her, however, I will not refund the $5.00 because you signed the wire transfer contract." Really?

I have never been treated like this before and am stunned that this seems to be acceptable by Key Bank. Alon will never receive credit for the $250,000 I would have invested with Key Bank had staff behaved in a competent manner. Alon has been a pleasure to work with. Key Bank lost an excellent customer that would have stayed with Key Bank for life had I been treated with respect. I hope their behavior was worth it for them, because it sure didn't benefit Key Bank.

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Key Bank and All Their BS Fees!!!
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

WATERTOWN, NEW YORK -- Have banked with Key for about two years now. My husband went on deployment so I moved back to Georgia for nine months. I kept the account open to only find whenever I moved back up here late fees! Late fees for anything and everything. We work hard for our money but yet they charge us for everything! Make a deposit over the phone 2.00. Come cash your check with us 5.00. Don't make enough transactions each month 34.00. So I went into the bank to close my account yesterday.

The lady said I had a 34.00 overdraft free but yet I made a deposit into my account the day before? So she told me, "I wouldn't be able to close the account today due to pending activity on the account." She told me to come back tomorrow so what did I do? I went back in to only be told it would be 25.00 to close the account.

Are you freaking me??? You want me to pay you because I'm unsatisfied with how poorly you run your business!!! My favorite part is when she asked me, "Is there a reason why you're closing your account?" Why yes ma'am let me just get my list out as to why! It also doesn't help that they closed the Key Bank on fort drum so now I have to go out of my way and drive 20 minutes from where I live to be treated like a nobody and to be talked to like a dog!! Key bank can kiss my ass!!! Worst bank ever - will never ever ever recommend this bank even if it was the only bank left on earth!

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My Card Was Compromised but Credited ASAP
StarStarStarStarStarBy -
Rating: 5/51

AURORA, COLORADO -- It's sad to read so many negative one star about Key Bank. Although my few days ago & today's interaction was about two fraudulent charge from my debit card. One for over $500 & another for over $300 at Nordstrom & J Crews.

The next day after above charges, when I went to get gas, my card was declined. After talking with their 800# customer service, they issued two dispute claim charges. Short time ago after Thanksgiving day just spoke with their dispute representative (800-539-2861).

After verifying my info., the guy on the phone said the above stolen money will be credited into my account in 2 hours. I had similar experience with them last year that somehow someone was able to access my account & the pin # to get cash out of my account!!! They credited my account in 48 hours. I never had any of my cards compromised with other banks & only with Key bank.

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Horrible Customer Service!!
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

PORTLAND, OREGON -- I have been told in the past that they did not need me to fill out a deposit slip, so I went through the drive thru window and put my deposit slip and my three checks in the tube. I waited a good 5 to 7 minutes before the nice girl came in and said that she would be right with me.

15 minutes past and the bank manager came to the window and said "How can I help you?" I said I just need to deposit those into my checking account and I've been waiting a very very long time! His reply was very rude, and he said "You must not have been waiting very long because you didn't even fill out the deposit slip!" These people are very rude and they're always short staffed!! Isn't the customer supposed to be treated with respect? Isn't the customer always right? Stop acting like you're doing as a service we are paying your paycheck!!

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Terrible Terrible Terrible, Enough Said?
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

LONGMONT, COLORADO -- That star is for minus one, not plus one. I recently sold my RV. It took the bank almost two weeks to post the funds to my account. By the way, the buyer of the RV was also a Key Bank customer. (They closed their account after this also). I realize they have to verify funds, but with both accounts out of the same Branch, two weeks, really? It goes downhill after this. It takes Key Bank 2-3 MONTHS to process a title and get it to you. The little car dealer on the corner can do this in about 2-3 weeks. The DMV in Colorado gives you a temp for 45 days.

So, if you sell a vehicle that Key Bank holds the title on, figure up to 3 months to get the title to the buyer. The buyer of my RV would have backed out of the deal if he hadn't been a customer of Key Bank also. When you call customer service, if you can understand the person, they tell that is just the way it is. Talk to a supervisor. Wasting your time, because that's just the way it is. It took about 3 hours to approve the loan, print out the paperwork and sign. Seems that if they are starting to collect your money all the work seems to be really easy, and quick. RUN FORREST, RUN. Called a lending institution for a reason.

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11 Times on Hold, Hung Up on Twice!
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

UTAH -- I have just been on the phone for over an hour requesting to close my account. Apparently they have to send the request to another department to get your account closed. And another department to waive fees. I was denied the opportunity to speak to a supervisor twice, I was put on hold 11 times (yes, 11!) and still have to call back in two days to make sure it is closed. The kicker is, I went through this whole process two weeks ago! I would bet anything that I will assess a late fee for a zero balance in the meantime, DO NOT use this bank! They are horrible!

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Key Bank USA Rating:
Star Half star Empty star Empty star Empty star
1.3 out of 5, based on 35 ratings and
97 reviews & complaints.
Contact Information:
Key Bank USA
Corporate Office - Cleveland District
127 Public Square, 7th Floor
Cleveland, OH 44114
1-800-539-2968 (ph)
www.key.com
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