Key Bank USA - Page 2

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1.4 out of 5, based on 13 ratings and
75 reviews & complaints.
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Worst Bank and Employees I Have Ever Experienced
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

FERNDALE, WASHINGTON -- This is a terrible bank. I have banked at many different places and this by far is the worst bank. Not only are their overdraft fees terrible, they are the only bank I have ever dealt with that has a policy in place to charge you 37 bucks and then if not brought to a positive balance charge you another almost 40 bucks three days later and every 2-3 days after. They do not show online all your pending transactions. Also, the ones that are pending and show that should be cleared and taken out are not and other transactions that do not show are pending are taken out before the others that are.

When talking to employees working there about their fees, they were extremely rude about it and talked over top of me and cut me off. Overall I would never bank here again and would never recommend this bank to anyone looking for a bank. By far the worst ever.

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Terrible Customer Service
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

CLAWSON, MICHIGAN -- Hopefully anyone dealing with Key Bank won't have to deal with this branch, the branch my mother dealt with was closed. This branch was over an hour drive from her house. She had a CD come due and she missed the deadline by 4 days and they charged her more than $500 to cancel the new one. They would do nothing to help her, and didn't seem to care that she had to travel so far to take care of the situation.

When I questioned why they couldn't do anything to help, they said that was their policy (one entire years interest) and then the branch manager was very rude to me. Shame on them for treating people this way, no wonder they have to close branches. My mother is a senior citizen with only her social security to live on, and they wouldn't even try to help.

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Paid Off Boat Loan With Key Bank and No Titles
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

CINCINATTI, OHIO -- In 2008 I financed a boat and trailer from Key Bank for 35K and never missed a payment. In fact, I have always been paid at least 3 months in advance on a 15 year loan.

In 2011 I filed chapter 7 but continued to pay Key Bank because it was a secured loan and I didn't want to lose my boat. Two years later, I am still current on my payments. My boat gets totaled and the insurance company sent me a check to pay off the boat and trailer however listed both myself and Key Bank names on the check. The payoff was $24,000 and the check was $33,500 and I had made a deal with the insurance company to keep the salvaged boat and trailer for $1500 less. Otherwise the check would have been $35,000.

In any event I felt reluctant to just sign and send this check to them in hopes they would send me my share of the check plus the titles. I was right, it's been a month now and the $11,000 due to me and my titles are still not in my hands. They are totally ripping me off and I don't know what to do.This bank makes me sick. Any advice would be appreciated. I know that can't keep my money and titles forever. They will not discuss anything on the phone but transfer me to their bankruptcy lawyers who don't tell me anything either.

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Service Charge on a Dead Man's Account, After They Were Given Proof of His Death.
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

FREMONT, OHIO -- My son died in October. Two weeks after his death, I took a death certificate so no one could withdraw illegally. They then sent me a letter, they were charging him $25.00 a month service charge because no deposits were being made. I informed them again he had died, we were trying to take care of things through the court. They said they would reimburse that money. Needless to say they did not. They kept $150.00 of his money. This money was meant for his baby who was born 3 weeks after his death. I feel they robbed a dead man..

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No Phone Call, Letter in the Mail, or Email- Before Sending It to Collections
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

WASHINGTON -- I have used Key Bank for 3+ yrs. Never have had great experiences or assistance in any of that time. My account was a secondary account I used for nothing but paying bills and saved money in a Credit Union. I received an email saying my account was overdrawn, I had forgot to close it out and had fully changed banks but forgot one insurance company. That company tried to pull the money multiple times resulting in overdraft fees galore. End result I was overdrawn $400, got the email in December but at that same time they closed it and sent it to collections.

Protocol apparently is to call before it gets that far. I never received any phone call and the lady I talked with agreed with me. Nor did I receive a letter or email saying my account would be closed and sent to collections. It's called being human, one phone call will solve most issues, if you don't try then you will never know or your customer may never know. I have told everyone I work with I will pay them to pull out of banking with them and will tell everyone I run into do the same thing.

Absolutely idiotic business practice. No wonder I see lots of people canceling their accounts with them. Key Bank- The "KEY" to success is really taking care of customers especially for freaking $400!!! NEVER WILL I RECOMMEND, send customers to you, or work with you again!

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At least take me out to dinner before screwing me!!!
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CANAL WINCHESTER, OHIO -- DO NOT USE KEY BANK!!! They place holds on your money so that they can charge you overdraft fees. So let's just say you deposit cash into your account. When you look online it shows what is called "pending activity." Then there is another section for "cleared activity." What they do is hold your deposit and your recent transactions in the "pending activity" section for a few days so that it looks like it hasn't posted yet. Then they will send debits and withdrawals through first then the deposit last. By doing this you will have overdraft fees on every item. This is how they make their money and stay in business, by ripping off their patrons. If you take anything from this, just do not open an account with Key Bank, they are CROOKS!!!

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Do NOT sign up for Continental Miles Debit Card if not going to use it!!!!
By -

Back in February last year, I signed up for the Continental Miles Debit Card program with Key. The customer service representative had told me it was like a $30 annual fee and I could cancel anytime I wanted. What she did not tell me was that the fee, regardless of when you cancel, is NON-REFUNDABLE! Now, fast forward to May 28, 2010. Key took the $30 annual fee out of my account and I called them on June 1 to cancel. The representative told me it was non-refundable even though the fee was from May 28, 2010 until May 28, 2011. After placing me on hold and supposedly "speaking to her supervisor" (which I doubt she even did) she came back and told me "Sorry, I wasn't able to help you. My supervisor told me it is not refundable." She asked me several times if I was sure I wanted to cancel, because I was already paid up for the year. No, I was paid-up for all of 3 days.

I explained to her that it is theft, that the bank is keeping my money for a service I am not going to even be using and asked her, "What if you paid in advance at a gas station for gas and never used it, yet the gas station told you they were still keeping your money?" The representative was speechless, she didn't want to answer me, probably because she knew the answer and didn't want to say it because she was maybe being recorded.

Long story short, I never used the miles, having left for school abroad for all of 2009. Now I am sitting here $30 poorer (technically, my mom is) while Key Bank is sleeping just fine at night getting rich off people like me. Oh and I'm unemployed too. Thanks mom for spotting me the $30!!

DO NOT SIGN UP FOR THIS PROGRAM IF YOU WILL NOT USE IT. The only reason I am keeping this bank account open is because it looks good on my credit report...trust me, I would have closed it!!

The best part was, I had e-paid a tuition bill earlier that morning. The representative said I could could put through a stop-payment on it for $34, but there was no guarantee it would go through and I could still have an overdraft fee on my account for $35 plus the cost of the tuition bill plus the cost of the stop-payment. WTF? I hypothetically could have been negative almost five times the cost of the stop-payment!!! Thanks for the help, Key Bank.

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Policies/charges
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KOKOMO, INDIANA -- I agree with so many others in regards to the service and professionalism that this bank offers !! ZERO !!!! I have never been more robbed by any bank in my entire life. Yes their nsf fees are outrageous. I understand there are situations in life that may cause an overdraft. I don't have an issue with being charged for something I caused but when you have been misinformed or not informed at all by the teller, which seems to happen quite often, and then they refuse to admit any fault in anything. It seems regardless of where or whom a check is from, if deposit it could take them 3-4 days to even post it to your account. Which in turn gives them plenty of time to rack up some nsf's on you. Hhhhmmmm sounds like "bonus" money to me. For example I deposited a small check in the amount $125, which was from another local bank and it took them from Sat to Wed to even make it available. I could understand had the check been from a business for a large amount but COME ON !!!!! NOT ONLY THAT but I had recently stopped my direct deposit of my payroll check or so I thought from going into this account. My name had been taken off the account and everything. The account I thought had been closed out but actually it still had my ex-spouses name on it. Well here is a fyi, KEY BANK does not cross reference direct deposits !!!!! Oh no, they allowed my PAYROLL check to be deposited into that account even though I'm not even an account holder. NOW HOW SUFFICIENT IS THAT !!!!!! Wow this is just the bank I would trust. Needless to say I am in the wrong according to Key Bank and I have to contact my HR dept. to have them recall my payroll amount. Wow amazing. I could probably go on and on but I just needed to vent today since I got paid 7 days ago and still do not know when I will receive my actual money.

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They go out of their way to make my life irritating...
By -

I have been banking with Key Bank for a few years now. They are the most annoying company... Period. They will run you around and around and around. I have had way too many issues with this bank. It seems like it's a new problem every month. This last example is what made me decide to write a review that, hopefully, will prevent anyone else from experiencing Key Bank's poor attempt at banking. Something as simple as activating my debit card should not be a huge hassle for me.

I called the number on the card in order to activate it. The automated system won't activate it for me, and so it transfers me to a "Customer Service" clerk. After I tell them what I am trying to do, they go ahead and put me on hold for about 10 mins. When they finally decide to get back on the phone, they say "There is a block on your new debit card. You will have to CALL your home branch."

So I am pretty irritated at this point. All I want to do is activate my freakin' debit card. So I call the branch and tell them the situation and what I need help with. They say "I think that is something you would have to COME IN for." Great, so now I have to waste my time to drive all the way to the branch, which is about 30 miles away (minimum) because I moved out of the area of the "home branch". I'm almost considering not even activating it at this point. They are a waste of my time and money.

It would seem as though they make policies and regulations that only benefit themselves. For a second there, I thought I WAS THEIR CUSTOMER and they should be bending over backwards for me, not the other way around.

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Customer Service - Account Closing
By -

FORT DRUM, NEW YORK -- OK, approx Dec 16th I reported my debit card stolen to Key Bank. So far no problem, they sounded like it would take a while, but that I would get my money back. Now, when my debit card was stolen, I was wiped clean, and had to go through a very stressful and LONG process to apply for what they call "provisional credit" just so that I would have money for the Christmas holidays. By the time I finally got the credit, which was the 22nd or 23rd, it was late, but It was a load lifted of my shoulders. Now, all I needed was my debit card, so I called and inquired as to a tracking number or something to see if it was possible to get to me before Christmas. I finally asked them where they sent the debit card. This part really frustrates me, when I filed the complaint I requested the new debit card be sent to a specific TX address, I have told them this literally via phone, in person at the branch, and email, all of which were acknowledged and no problem. OK back to the story, so they of course sent it to my NY address that I would not be at for Christmas leave, so I call and complain, they actually do the right thing and rush me a new card with next day service.

So here is where everything gets worse, I get my card right before Christmas, and I activate my account, and I really thought this ordeal was just about over. Oh no it has just started. I proceed to an ATM to make a withdrawal, DENIED, then I call up the bank and ask them if there was a block, they said yes because I was in TX not NY. I don't understand why they did that b/c they SENT IT TO TX not NY. Perhaps this is an automatic thing, but no big deal. So they call the branch to remove the block and I was told by Jenna at fort Drum, that the block would be removed later that day. Again frustrating but no problem, So I go out with my friends around 8 pm and again go to the ATM, DENIED. The bank is now closed until after Christmas.

So they have successfully ruined my Christmas. When I was finally able to get a hold of them today, I was shocked. I was told that they could not unlock the account because of the fraud on the card, and nothing could change that, no amount of identification, nothing only me coming in to the branch, and Jenna had no remorse for my ruined Christmas. I asked if they were going to call me and tell me this, and she said she was going to, my only question is when it had been about 4 days since she said my account would be unblocked.

So I give it one last ditch effort and call and complain to her again, a little more desperately now because I have to buy a plane ticket home, she said she will talk to her security adviser and call me back at the end of the day, now they close at 500, I hadn't received a call yet and it was 450 pm. I call back and speak to Jenna who calmly as possible now says that she spoke to the representative at noon (still never called me back like she promised) and they came to the outrageous decision TO CLOSE MY ACCOUNT!!!!!!!!!!!!

I am absolutely stunned, I was told I have 10 days to retrieve my funds, normally I would be upset and want to find out why, because this is just extreme, but I am so angry and fed up with the bank I was going to close my account with them anyway. And of course I cannot close it until I go into the branch when I get back from leave, the first time I would have been able to touch my funds in about a month.

Key Bank,

From the bottom of my heart I sincerely thank you for absolutely ruining my Christmas holiday and proving to me that it meant absolutely nothing to you, It was obviously so routine for you guys to screw the little man, that you just blew me off.

FrustratedInDrum

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