Key Bank USA - Page 3

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1.3 out of 5, based on 16 ratings and
78 reviews & complaints.
Company Profile
Key Bank USA
Corporate Office - Cleveland District
127 Public Square, 7th Floor
Cleveland, OH 44114
1-800-539-2968 (ph)
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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.

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

Customer Service - Account Closing
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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.


Key Bank's Automatic Harassment For Overdue Accounts
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BELLINGHAM, WASHINGTON -- I have been receiving phone calls twice a day for eight months from a Key Bank collector. Unfortunately, these callers do not appear to share/exchange information with each other because I find myself repeating my scenario over and over again ad nauseum.

My problem began when Paypal attempted to withdraw funds from my Key Bank account. (Somehow Paypal defaulted momentarily to a bank account I had used five years ago).

I was notified in January of 2007 of a problem which had occurred in December of 2006. I was being charged 35.00 by Key Bank for every time Paypal tried to get money from my defunct account. It was being labeled an NSF charge. Paypal tried to access my account for almost a week (twice a day) before reverting to a back-up credit card.

When I realized what was happening I contacted Paypal. They recognized they had accessed an old account, put it into writing that they made the mistake, but they were about to cover any finance charges incurred.

I was most concerned with Key Bank's response as I had informed Key Bank (Fall of 2006) to close my account and informed them I had destroyed my bank card.

When I questioned why I was receiving banking charges on a closed account, Key Bank informed me the account was 'open' and could not be closed as there was pending activity (Paypal attempts). I was informed that my account needed to be paid before they could properly close it again.

Like a fool I went ahead (March 2007) and paid the NSF charges (now over $300.00) that I had been charged by the bank for Paypal's unauthorized attempts. I paid after I realized that Key Bank was not going to accept any responsibility for this situation. I thought if I paid first, I could recoup the funds at a later date.

Imagine my surprise when I started getting telephone calls in August of 2007. My Key Bank 'delinquent account' had been forwarded to a collection agency for unpaid fees. I told them (collection) I didn't have an account and everything had been settled in March/07. I also mentioned that Key Bank probably owed me money.

I have been receiving phone calls - starting with the automated dialing and then a person comes on demanding my personal information prior to continuing.

At first I was accommodating, explaining over and over the situation. Then I became angry - refusing to give out information over the phone. I demanded detailed bank statements as I hadn't received a bank statement since November of 2006. The statements I received show no activity aside from a finance charge that keeps growing.

It appears that the amount I paid in March did not convert into the full amount Key Bank felt I owed them. (I paid using Canadian funds via certified cheque which included the conversion amount for the date). My deposit slip is marked 'paid in full/account closed' by the cashier as I asked her to. Now the bank is stating that after the conversion, I still owed over $13.00.

To date, I now owe close to $400.00 (according to Key Bank and collectors).

The other day, while sorting out my files, I came across my original receipt from last year's payment. Yes! (People - a reminder to not throw out any proof of payment.)

When I informed Key Bank I had my proof of payment and even felt that they probably owed me, they want ME to send them the receipt and statement (original please) for that month/time period. I am to send copies to my original bank, the collectors office, as well as Key Bank's head office. And I do not want to!

Even if I do this, I will still have a negative credit rating because of this incident.

My question is... Shouldn't they already have my payment on file? Why do I have to run around photocopying, register mailing Key Bank to prove I don't owe them money. Why aren't they sending me information to prove I DO owe them money?

Can this American bad credit listing come across the border and register on the Canadian bad credit listings? I have managed for all this time not to incur bad debt, and now this?

How can collectors not have anything on their computer to refer to or answer questions with? (For example, when I asked them to tell me the date of my last Key Bank transaction - to prove I wasn't using the account at the time of the Paypal incident.) They couldn't tell me anything about my banking activity as they didn't have any information.

Finally, how does Key Bank justify this rabid dog response to collecting for finance charges? Is this really Key Bank or is this some collection agency? Is it even advisable to give any personal information (they won't continue with their call if I don't give personal information and they become abusive if I hesitate.) I don't even answer their questions anymore - they're the ones who called me so why should I give out my social security number?

My credit rating has its first official 'blemish' and Key Bank continues with their twice a day calls (as soon as I hear the automated click I hang up.) They have spent more in long distance calls than they ever would have collected for what 'I owe'.


Problem after problem
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I have had NUMEROUS problems (the last one being the WORST!) with Key Bank ever since I opened my account 5 months ago. Now I'm counting down the days till I can close my account (6 month waiting period) and open one with a more reliable, cooperative, and customer friendly bank.

Problem 1: When opening my account I was never made aware of the $1 fee for getting a receipt with ATM transactions. I was advised when I was opening my account and go my card to go make sure I checked to see that it worked before I left. So of course I took this advice, it seemed like a good idea. A few days later I set up my online banking and noticed a $1 service charge. I had to go into the bank to find out what it was for and when I told them what happened they said "Well, _____ is with a client right now, maybe you could come back tomorrow when we aren't as busy." Needless to say I didn't go back because the cost of gas would completely defeat getting the $1 back but to think about how many times they could do this and come out with quite a profit.

Problem 2: When I opened my account I was 17 and a few months later turned 18. My mom had been on my account and they told me all I'd have to do is go in and tell them I wanted to remove her from the account... no problem. I asked questions to be sure that this was clear that that's ALL it took but no.

So the time came... and I went to Key Bank (away from home) and told them I wanted to take her off my account. They started claiming I needed her there with me and that there was nothing I could do. I couldn't even get papers to fill out, send her to sign and bring back. She HAD to be with me. Yet... she went to the Key Bank at home and got papers, sent them to me, it took one signature, sent them back and she was able to do all that WITHOUT me there. They claim because of different state regulations, yet they never told me that when I opened the account and asked question after question to verify the simplicity.

Final Problem: I deposited a personal check of a relatives into my account. I had my # on the back of the check for the deposit to. I waited about a week, knowing that banks usually take a few days to process things (even though it was off of the same bank). Nothing had shown up. That's when I realized the #s on my receipt were different from my acct #! They had taken the number from the front of the check to deposit the money into. Luckily I have contact with the person the check was from, otherwise I could have been out a large sum of money

Key Bank has disappointed me way too often and I wouldn't recommend it to anyone looking to open an account. I

StarStarStarStarStarBy -
Rating: 5/51

A student pilot I know got over $100,000 in loans from Key Bank to become a pilot. Pilots who start out today barely make a living. Furthermore, many were caught being laid off. The airline industry fell in hard economic times. That makes it impossible for a graduate to make payments, rent, car, gas, food. Key Bank did a settlement for about $25,000. The person did not have to file bankruptcy. The loan was not a government school loan. It falls under alternative loan.

Cashing Out CD With Key Bank
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Rating: 1/51

OHIO -- I had a CD with Key Bank that matured a few days ago. Today, I called them and said that I wanted to close out the CD and have a check for the proceeds mailed to my home address. They informed me that I would need to make the request in writing, have it notarized, and mail it to them before they would send me a check. It's MY MONEY, not theirs!!

StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

DAYTON, OHIO -- Bad reward system.

Stupid Fees
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Rating: 1/51

CLEVELAND, OHIO -- They charge me for paper use. $2.00. If you don't do enough transactions, they want $5.00. First it was three transactions, then five, now it's seven. Low down thieves.

Lein Holder On Car Title
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BROOKLYN, OHIO -- Been trying for 6 weeks to get a release of a lien on a car title. Asked to speak with a supervisor and was told I could not speak to one unless I had a reference number. They will not return phone calls or reply to written letters. Car was in an accident and we cannot settle with the insurance company until they release the lien. Do not use this bank. I'm not finished with them yet, but they will have complaints filed with the AG and the BBB.

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