Key Bank USA Consumer Reviews - Page 4

I am 18 years old. I opened my first checking account with Key Bank in July of 2010. It is October so it has been 3 months. In these 3 months I have never been so pissed. They charge me with overdraft fees every chance they get and hold MY checks as if it is theirs. When I withdraw money from my account it seems every time my check is on hold and they charge me with more overdraft fees. I called customer service and explain to them multiple problems I have been having and he said he would call me back to take a hold of one of my recent checks. He called me back at work saying that I would be able to access my funds that day.

I withdraw $300 and use my debit card at Walgreens. They still charged me $116 in overdraft fees even when a representative from Key Bank told me it was alright to access my funds. I'm paying my fees tomorrow and I am canceling my debit card. I am never putting my money anywhere near Key Bank again. I am going back to my credit union, where I never had any problems. But I am not whatsoever done with fighting Key Bank. I know other banks are doing it too. Please join my Facebook page ** to make notice of these unfair actions banks are doing to Americans everyday.

I received a call on my cell phone. It was an automated message stating that my Key Bank debit card had been locked for security purposes. As I do not have a Key Bank debit card, I assumed it was a mistake. The automated voice instructed me to press “1” to have my card unlocked or “2” to disconnect. Wanting to speak with someone, I pressed “1”. I was then prompted to enter my 16 digit debit card number followed by the “#” sign. Believing this to be a scam, I hung up.

When I called the number back, an automated voice said “no one is available to take your call” and hung up. I looked up the phone number on the internet and found that it is a number associated with a mortgage scam. As I do have a student loan with Key Bank, I feared that my information might be compromised. I called Key Bank and explained what had happened. The “customer service” representative requested my full Social Security number. I told him that I was calling to report a phone scam and asked what my social security number had to do with anything. He told me that he could not take my report unless I would provide him with my social security number.

Frustrated, I asked to speak with a supervisor. After reaching a supervisor, I again explained what had happened. He asked me for my phone number. I gave him my phone number and he stated that I didn't have a debit card with Key Bank. Again, I explained that I did not have a debit card with Key Bank, only a student loan, and that is how I knew it was a scam.

At this point he pulls up my student loan account and asks me if I'd ever filed bankruptcy! I explained to this idiot that I had indeed filed bankruptcy following my divorce, but asked him what that possibly had to do with someone running a phone scam, pretending to be Key Bank. Then he asked me if I had spoken with their legal department regarding my bankruptcy. Disgusted, I requested that he just transfer me over to the fraud department so that I could make a report. He did transfer me and after 15 minutes on hold, I hung up.

OLYMPIA, WASHINGTON -- Key bank charged my daughter account inactivity fees without our consent. We have this Key Bank checking account for over 3 years. My daughter uses this account to get cash for the minor expense. My daughter hardly took money out because she does not need to. There are no account inactivity fee until around April of 2009. The Key bank kept charging monthly us inactivity fees since April except last two months (because we have account activities.)

They said they sent the disclosure statement for fee structures and monthly statements. We did not receive the statements or disclosure statement for fee change. Somehow the Key Bank mailing system screw up and they did not send us any communication or statement. Until today, we still not receive the statements.

So I went to Olympia, WA branch talked to my concerns around 12/27/09, the customer service manager told me nothing she could do about. I talked to her since she did not able to help me. I requested her branch manager. She said he is on vacation and will ask him to call me 1/12/10. I waited for his phone call. I did not get the call. So I went to the Olympia bank and she still intimidated me and went around not going to refund the inactivity fees.

My analysis and conclusion: 1. They are not interesting to learn why the customer did not receive the statement and correct. If I am a Key Bank employee, my take will be how to correct this problem (not getting statement) from the customer, so I can report it to the system office to correct. In the end Key Bank will solve future problems like this.
2. They are instructed not to refund any fees.

3. The customer service manager does not know every details. She gave me wrong information and kept explaining to me dormant fee which is totally different. I told her to pull the fee. the paper has no inactivity fees. 4. They don't follow up (manager never call me back as they promised).

4. Robbing money from the student account. I have no problem with charging fee. but you have to disclosure what you going to charge. Do not assume everyone will receive the letter. This is stealing or robbing without consent. I am not sure other banks also. 6. After I raised the issue, it seems like they want me to close the account.

I hope Key Bank CEO or customer service read this review. I am very unhappy that they rob our money. I am very sad that the reputable company will do such a thing and not care for the customers. I don't have power to fight except to close the account.

I have been a faithful customer with Key bank for over 20 years and have NEVER reported a stolen card. Wednesday my wallet was taken and I found out immediately when I went to purchase an item. I jumped into a cab and within 40 minutes I was home called Key bank and had my credit card closed. The representative from the Key Bank site said that the three items purchased after 9:30 pm Nov 11 when the wallet was taken (over $1300) would be credited back to my account and I could see online that they were.

Three days later I notice on my account summary that those charges are back on my account and that the dates of their purchase were changed as well!! I received no notice from Key and had been feeling secure having talked with the representative and reading online the "0 % liability clause on their website for theft of cards once reported." BEWARE this is NOT TRUE EVERYONE!!

I next spoke to a manager on the Key bank site who said that the funds were under dispute and it would take 10 days to know what the outcome was. I asked if I would have been told about this if I had not noticed on my online statement? I pointed out that no such procedure for theft of cards or disputes of theft (nor email addresses for such an agency) was articulated on the key website. He didn't seem to think that that was odd. He gave me the email address of the dispute center and told me to tell them the amounts and dates everything that they could easily see on my account summary.

It never seemed like anyone would have ever contacted me! I would not have done any of this had I not called and talked at length to a Manager in charge. Long story short.. I had my card stolen, I learned that with Key Bank I have no rights nor is there any written procedures as to how to proceed beyond word of mouth. Key bank needs to become transparent with such policies and given my experience folks would wisely choose to ask these tough questions before they choose to bank with Key.

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 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.

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. Hmm 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-spouse's 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.

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.

AUBURN, WASHINGTON -- I had an overdraft situation caused when a creditor posted a scheduled payment one day early onto our Key Bank checking account. I discovered the action on a routine internet access of the account early the next day. After the initial shock and a couple hours later that morning, I showed up at Key Bank with almost $2,300, with some $800 in cash, in a good faith effort to correct the balance and stop the fiscal bleeding. A lot of good that did!

That day, 7 over limit charges showed up. The branch manager (Auburn, WA branch on Auburn Avenue) refunded 3 of those charges. She noted that two to six more charges would be showing up. Given her tone, I assumed some corrective action would be undertaken. I was wrong.

Those 6 other charges showed up and stayed. I called in to see if anything was going to be done. No answer for a week. I dropped off a written request for consideration. I was contacted two days later and told that the three refunded (out of 13) was all that was going to be handled. So, because Bank of America drew one day early, Key Bank rewarded my efforts to be fiscally responsible and correct by taking $365 and keeping it. Bank of America was kind enough to give us a $98 credit on our line of credit account with them regarding this fiasco. Key Bank's pending deposit policy is one of the most egregious in the area and probably is used to generate a large number of fees.

Even Bank of America wasn't this bad when we boo booed our commercial account (only one charge was kept out of six or seven charged in that instance). We have been customers at this particular branch of Key Bank in its various forms for 24 years, but I believe that it is time to move our personal checking to a local credit union that is a lot more consumer oriented. I am suspecting that Key Bank is having cash flow issues and is grabbing fees wherever and whenever it can. If you see this and you have a Key Bank account, move your money to an institution that is better capitalized and consumer friendly. Key Bank definitely lacks in that category!

12550, NEW YORK -- Key Bank is like a nightmare to me. Everything start with the purchase of USB (Union State Bank). All the accounts that we have with them, all of the sudden belong to Key Bank and the bad dreams starts. On a small business account that we have, in the first month they went crazy with the overcharges, $365, in 10 days, on a debit (checking) account for charges of $4.95 etc.

On my mortgage account that they said they don't know nothing but their name appears on the monthly statement, they have it for 4 months. On the first month they didn't know about my escrow account. They were missing all my school taxes. Second month reversal payments. Third month they decide my City taxes went from $1012.00 to $2500.00, send me a check for $835 (they said I have more money on the escrow account) but when I call, because my school taxes were missing they said to me to cash the check but keep it, "under the pillow" because maybe belong to them, so maybe I have to return the money.

I have a Home Equity Loan in which the interest is wrong (supposed to be locked and they said is variable), and now like if these problems are not enough they give my husband his 401k because doesn't work for them anymore, tell him he has to put it on IRA account of course from Key Bank and his money $30,000 is missing for a week now. I am scared to receive any Key Bank mail, and nobody knows where the money is I'M DESPERATE. SOMEBODY HELP ME PLEASE!!! I forget when I call customer service they said to me that I was used to have a good service because USB was a small bank and one of the managers said to me that there are others Banks.

CANTON, OHIO -- This bank has no idea of how the small business or any other banking customer operates. A huge and costly mistake by switching to this bank from my existing bank:

1.) The internet pending area just didn't seem to show any transactions prior to being hits in the operating account area.

2.) Huge disappointment in the internet acct page compared to other sites. Know high school kids have nicer design and eligibility skills.

3.) Internet doesn't service until midnight. Do I need to stay up that late to prepare my next work day with the online banking tool. Guess could go in an hour earlier than when I now arrive.

4.) Cool!! Can make a deposit in an ATM before 7:00 pm and it will go into my account on that same business day. Oooops... 24hr hold on that transaction so would have been better off just using night deposit with old bank who would have covered any checks that may have come through that day unlike Key. 24 hour hold on all transactions except cash/even a Keybank check... Better go in to the teller and cash that one!

5.) Offices only open until 4:00 pm - now that's even tougher to get there than the old bank which closed at 5:00.

6.) Highest of any yet for NSF and because of the 24hr hold would not cover any of my checks presented to them on the day of the deposit.

I have been doing business for 20 years and have tried several banks in two predominant areas of Ohio. Key bank is the worst experience by far of working with a banking institution. All of these policies were not brought up at the time of my opening this business account. It was brought to my attention only after the several returned checks and NSF's. Had I have stayed with my existing bank and paid the $8.00/month service and continued depositing in the night deposit, I would have a lot more "hard" earned $ in the business account. Beware!!! There are much better banking institutions out there comparatively speaking.