Key Bank

I have been making a payment on my student loans of $100 a month because that is all I can afford, I have only recently been informed that the 4 student loans I have with Key Bank are not considered 1 account but 4 separate ones, so my payment of each month only goes towards 1 "loan". After making my payment last week, I started to receive non-stop and harassing phone calls from Key Bank telling me I'm not making payments. When I mention the $100 they tell me, "Oh, yes, I see that but it doesn't count." First off, this is **. Yes, I may have 4 loans but they were for 1 person for 2 years of school at the same school. On top of that, when I receive a call it's from ***. When I try to call this number back, I receive an automated response that informs me this number is a non-working number for Key Bank and to please call another number. When I call this number next there is also an automated response that says that this number is also a non-working number for Key Bank. They need to stop harassing me and if they call me, it needs to be from a number that works.

Key Bank continues to treat me terribly and it is my own fault for still banking with them. Once my and my husband's final pay check for this month is deposited, we will be switching banks because of what occurred this weekend. Eight days ago, we deposited a check to Key Bank. It was not at our home branch but one close to where we were headed for the night due to weather and having no power in our home.

The check was a 401k withdrawal from T. Rowe Price. I understand a financial institution holding checks no matter where they are from but the amount of time and why has never been explained to me. We have had issues with Key Bank holding checks in the past, resulting in overdraft fees so my husband and I make a point of asking the length of holds each time we deposit checks now. This time it was made clear the hold would be two days. We have continued to use out debit cards this week knowing we had deposited a check for over $4000.

Today, I was running errands because I am traveling home to Canada for a major surgery my mother is having. I stopped at Target to get some supplies and when I went to pay, I was told my card was declined. I have never had my debit card declined so I was really worried. I called the 1800 number on the card and they informed me my account was overdrawn due to purchases and overdraft charges by $1500! Key Bank put a 10-day hold on my check, which we were not informed of nor have we ever had a check held that long.

I spoke to both a customer service agent and a supervisor. They said I should have been informed and the only people who could help me are the branch. The branch, which is closed now until Monday and I have no access to my money due to their mistake. I can not believe that Key Bank continues to get away with treating people this way without any consequences. At this point, I am not even sure who to contact with my complaint because I have called and written letters in the past about terrible experiences with this bank and no one responds.

They pick and choose when to apply the so called policies they have in place so there is no way to know when one will apply or not, like in this case of a 10-day hold on a check. It is unfair and they do not realize how they are affecting people's lives.

I have been a customer for about 40 years. Recently, when I went to order checks from the bank, because I was told they were free, I was unable to have my correct address on the checks. I live in University Place, WA, not Tacoma, WA. I was told "the computer" did not recognize University Place, or its zip code, and it would only print Tacoma on checks. Other business institutions and banks have the ability to print University Place on statements and checks. What's the big problem? Are you too busy to let the computer know that the city exists? Hire a savvy 12 year old, and I'm sure they can rectify the situation. I "paid" to have some checks printed with the correct information.

I dad a Keogh retirement account for many years and then received a letter that Key was discontinuing their Keogh program. Only problem was that they had mailed the notice to the wrong address for many months. Key told me they would close the Keogh account which had a pile of negative tax consequences for me. Finally (after several Key employees in their retirement dept continually botched things up), I found a very helpful Key Bank lady who was able to navigate the process from being a Keogh to an IRA account.

To keep the higher than current interest rate, Key forced me into opening a $50.00 checking account, something that I certainly didn't need. A few months ago, I received my Key checking account statement showing a $5.00 deduction for account inactivity. I called the Key's "1-800" number, explained that I had never received a notice of such a fee and asked that it be reimbursed to me. Key "1-800" office called the local branch where the checking account was assigned to and I was then told that the $5.00 would be included in my check to close the account for a total of $50.07 (wow, 7 cents interest). I received my check a few weeks later for $45.07, still short the $5.00 that Key had agreed to return to me. I called "1-800 Key" to question the continual $5.00 deduction. I was contacted by the local (Murray Blvd in Portland, OR. ) branch CSR and told they would look into it.

I was called this afternoon by Rachel **, (the CSR for the Key Murray Blvd branch). She told me that Key was incorrect in the $5 deduction but nothing could be done due to the checking account now being closed. Now I wonder what would have happened if they had closed an account and shorted it for $100 and then used the excuse that Key couldn't send the shorted funds as the account was now closed. If it was the other way around and Key had sent too much money for the account closing, Key would certainly have demanded the over-payment be returned or even more, possibly garnished my other Key account.

When I told Rachel ** that I was going to go online to make a complaint, she was more concerned that her name would be mentioned in the complaint than she was about my problem.

Yeah, it is only $5.00 and I won't miss it, but what pathetic service from Key Bank. Soon as my IRA CD matures, I'm rolling it over to another financial institution. Guess I now understand what the "Occupy Wall Street" people are fighting for. Banks such as Key do go out of their way to ** their customers. Amazing how Key Bank spends millions on advertising to promote their bank but will upset a long-time customer over $5.00.

I have a boat loan through Key Bank. For the last 5 years, our payments have been made using coupons sent to a Key Bank PO box and have been processed without problem. In the last few months, Key Bank has not processed any of our monthly checks claiming that they have not been received and then assessing a $30 late fee. This is their tactic to assess fees while also forcing clients to sign up for auto-debit. The unfortunate thing about this type of bank scam is that there is no way to prove Key Bank's wrongdoing and they are again able to blame it on everything from the post office to their internal system that seems to have a perpetual glitch.

It is apparently the new policy of Key Bank to maximize overdraft fees! I deposited my check for $1500 on 11/17. Because the check is drawing from another bank. only $100 was available. Okay, no problem, the next day (today), I had four payments scheduled. The remainder of the $1500 deposit became available on 11/18 but apparently only after the four payments bounced. I will have to take their word for this because while they penalize in real time, they do not update their online ledger in real time. If you deposit anything with this company assume that only $100 will be available for the next two business days, or they will happily financially rape your bank account.

I talked to one of their representatives over the phone. They took pity on me and decided they would give me back $37 of the $148, they originally planned to confiscate from me. Daddy always said that if you play with snakes, you should expect to get bitten from time to time. This is the price of doing business with Key Bank.

I had a horrible experience with Key Bank and I used to work for the company. They charged me $38, fourteen times on my checking account which they ended up getting over $535 from me and was put into collections.

They sent my case to a collection agency because I refused to pay them. I was told that I had overdraft protection, but that was just a lie. Then when I was in the processing of paying it off with the collection agency, they called me and told me that Key Bank was going to yank the bank account and start charging fees on it again. This is an outrage. Ever wonder why people are in collections, its because they cannot pay for the fees they charge.

I was charged eleven $38 overdraft fees over the period of three days, even though I was swindled into believing that I signed up for "Overdraft Protection" with my debit card. This contract is not "protection", it's exploitation. This contract allowed the bank to spot me funds for an unlimited number of transactions if I overdrew my checking account. The catch? Each transaction incurred a $38 fee, regardless of each transaction total; a $0.01 cent and a $35,332.59 transaction would both incur a $38 overdraft fee.

I was also swindled because I was under the impression that the "Overdraft Protection" contract tied to my checking account would reallocate funds from my Savings Account if my checking account was overdrawn. My savings account has several thousands of dollars in it; Key Bank should have offered a Savings-to-Checking program years ago. They did not start offering this service until September 1st, 2001. I was never notified about this program or service; I believed the "Overdraft Protection" contract was analogous to this recently available program.

Key Bank started charging my bank account $5.00 monthly fee because I was underusing my account. When informed of this, I went into the bank to close my account where they charged my another $5.00 without warning me before closing the account. They could not waive the fee when I complained because they had already closed the account. They have taken $10.00 from me without informing me and for essentially doing nothing.

On August 8th, two autobill pays were taken out of my account by Key Bank. Both me and my husband have accounts at Key that are linked together. I called Key almost immediately, stating this happened and when the rep was viewing my online bill pay, two payments were not scheduled to come out, only 1 payment from my husband's account. The lady on the phone stated she did not see 2 payments scheduled to come out either. Key told me I would have to get the money from Huntington, which has my car loan and in the meantime they would investigate. I got a letter around Sept 16th saying something about them investigating the situation. The mishap caused several $100. On Friday, they took $520 out of my husband's account to make mine right. They were never offering resolution to the glitch in the online bill payment.

I called on Friday and again on Monday, spoke to a lady who said they would contact the web department to investigate. Their conclusion was me and my husband set up payments to come out and didn't know one another had done it. My husband does all our online banking. I have never logged into the accounts. I know they were having problems because they did refund NSF because their site was not accessible before.

I don't see how they can investigate my account and come out with an assumption. I am sure there is a way to see what we saw the day the two payments came out. The first lady we spoke with at Key acknowledged the two payments were not scheduled to come out. It seems likely that an institution that makes money off from fees could have a glitch in their system to cause fees. Essentially, I am asking for them to remove their fees. But after their investigation it's my fault. I feel like they don't care, hold all the cards and I am powerless to do anything.

I was charged two overdraft fees. I had a positive balance; one was returned, but the other one I still don't know why. Also, I have $2.37 left in my account; I made a deposit, and the teller said I had a positive balance. The next morning I went online to check my account, and I had a negative balance. Everything was fine the night before, but they added a Sunoco in front of my deposit, which made a negative balance. It was not there before the deposit.

I am not a Key Bank customer but I needed to use their ATM machine. I parked in their half-empty lot. There were signs that stated "for Key Bank customers only." As I planned to use the ATM, I assumed I could park. I first had to run a very quick errand which literally took 10 minutes. I was with my 75-year old mother and my dog was in the back seat of my car. When I came back, there was a tire lock on my car. Key Bank has a tow company on site and the tow company person charged me $48.75 on the spot to remove the tire lock. I was told that I was lucky that the tow truck hadn't come because that would have been another $175. They were going to tow my car with my dog in the back seat! Is this a community bank who wants the business of local residents?

I was trying to access my account online and was given a series of security questions to answer, but the questions were not the ones I had set up. They were added by the security department by compiling public records, and the records were inaccurate or irrelevant to me. I was unable to access my account and my access was terminated until I contacted customer support.

Customer support told me the issue was that they had implemented new security measures for customer safety. I am naive but I feel like if anyone is accessing my account without my permission then that is a major security breach. No matter who it is that is doing the accessing.

If this is being perpetrated by credit rating agencies, I am uncomfortable with that. I am only interested in doing business with my bank. Or other companies I am doing business with at the time I am doing business, not just because of fishing for new credit recipients. This predatory behavior is dangerous and, if it is legit, it should not be.

My boyfriend and I have a shared checking account. We opened it in November of 2010. Since then, we have over drafted 3 times. We are usually very responsible with our money since our lives depend upon every penny we make. We check our account every day, frequently several times a day. We have alerts on our phones to tell us if our account is too low.

The first time we over drafted, Key Bank used our courtesy refund to zero our account out. The second time, we paid the overdraft charge. The third time, it was their mistake. We knew our account was going to overdraft, so we deposited twenty dollars to prevent it. The statement printed from the ATM said we were positive twenty-four dollars after the deposit.

The next day we were charged a 39-dollar over draft charge. Our online statement said our account balance was negative around thirty five dollars. How can we have over drafted if before the overdraft charge, we were positive? We corrected our account because we did not want to incur any more over draft charges. We were then charged a third over draft charge of $39 the following day for a charge of two dollars that should have been covered with the amount we deposited the day before.

We have spoken with Key Bank. They refuse to see their error and refund our money. Key Bank took $111 from me in the past fourteen days, $78 of that is from two days alone.

If you are considering opening an account with Key Bank, especially if you are a student, think again. Trust me and go with another bank. I have had a student checking and credit card account with them for three years and as of tomorrow I will be closing both of them and moving to a new bank. I had never had a credit card before and I am very responsible with my money.

Over the time that I have had this credit card Key Bank has lowered my credit limit twice. The first time they notified me that it would be decreasing to $400. Today when I was checking my bank statements I noticed that they lowered it yet again, this time without even telling me. So now my credit limit is only $300. As a student who is trying to earn a good credit score for future investments, this is just ridiculous. I have never held my balance at more than half of my limit, and have always made my payments on time, so why punish me Key?

I have a key bank business account. I deposit thousands of dollars in checks and cash every month. The bank holds checks adds them inor your total but charges Teri charges on everything coming out of you r account untill they clear all the checks thru. i deposited 15000 trust official money order into my account so my balance was 16900. i have had 14 tier charges since i deposited this large sum of money becuase the tellar decided to put a 1 and 1.2 week hold on the money order. i now have qa balance of 13000 640 of which s tier chargs. i will be closing this account and never recommend key bank to anyone including the devil himself!!!

STAY AWAY FROM KEYBANK!!! I opened up a keybank account over a month ago, due to a good promo that they were running.Out of no where, my debit card wasn't working so I decided to give them a call. They told me that my and my wife's account is being closed .After a few days of trying to get through to the fraud department, I spoke to the women who actually closed my account her name was "Sara". She said "Keybank has a right to close my account with out providing any reason or notice".

She was extremely rude and didn't want to give me any info.When I called again she said she doesn't feel conformable talking to me as I sound like a different person. Additionally they can't send me a check for my account balance, and that I have to go down to the nearest keybank branch which is 3 and a half hours away from me. I opened this account online since there was no branch near me. I find this absolutely ridicules, All I did was open and account and I deposited my money in there- no fraud whats so ever as I have never done anything like that. I used so many banks and no has ever done this to me. I can't even check my account balance online as they cancelled it without notice. I've never experienced dealing with someone this ruthless. I don't plan on dealing with keybank again but now i basically don't know what to do as I can't travel 3-4 hours to the bank.

A 19 cent overdraft is currently costing me $349.00 in late fees and overdraft fees. All because key bank posts debits before credits. I deposited my paycheck and then withdrew the majority of the funds I deposited. Unknown by me, I had been hit with a overdraft fee of 37 dollars, which meant that when I withdrew an amount that I thought would leave me with plenty in the account, actually exceeded my available balance. Thus incurring another overdraft fee. Confident I had a few dollars in the bank, I continued to use my debit card 3 times at Redbox for 1$, 3$. and 1$. Also, I used it at maverick for a 6$ pack of smokes and for a pastry and soft drink.

Two weeks later, I went in to cash my paycheck and was informed my account was in the negative over $200. They couldn't do anything about it until the account was in the black again. l had receipts showing that the original 19 cent overdraft was done after a credit was made to the account. I don't got those anymore, I got a collections notice for $349.00. I got screwed I guess. Also my friend whom I referred (never got promised bonus), just uses his account to cash his paychecks. Keeps getting failure to notify them of address change charges of 10 dollars when the post office returns his monthly statement.

I opened my account with Key Bank at University Village Branch in Seattle, Washington. The bank was running a promotion of iPod-touch reward for opening a new account. I satisfied all of the requirements to receive my iPod. It is written on the bank reward that the customer will receive the iPod-touch within 90 days of satisfying the reward requirement. It has been 120 days and I received no reward or no word from the bank. I inquired with the bank branch manager, Usha, a few times regarding this. The branch manager I spoke to told me that I did satisfy the reward requirement. She said that she would be looking into it, but she no longer responded. I know this problem did not apply to all their customers. I just believe that the bank is so bad and so wrong by not sticking with their offers and playing this reward hoax to some of their customers.

Key Bank needs to be taken to court! I deposited cash in the amount of $550.00 on Monday morning. I then went and charged 3 items during that day. I knew I had enough money in there because I checked my balance. They charged me three NSF fees because they put through my debits before my deposit from Saturday. All transactions on the weekend should be posted on Monday, however most banks put through your credits first but this bank does not. Even if this all occurred on same day, it doesn't matter. They are thieves and need to be stopped!

You know there are some very serious federal crimes being committed within banks against the consumer concerning foreclosures. These are crimes that no one is talking about. I know because I've lived it and hear what the news is reporting today and they never mention what has occurred to me. I have the documents to prove most of these federal crimes; all but the proof that there has been collusion, however I do have the road directing me to this collusion. I believe my situation to0 be RICO.

The authorities, such as the US Attorney General, Attorney Generals in three states that I know of and the FBI won't do a thing about this. I'm told they don't have the resources and this isn't important enough to investigate.

Sure you can read about how these authorities are, cracking down on banks and mortgage companies but interestingly they aren't telling the American public the whole truth about the federal crimes these banks are committing in order to foreclose. And, these banks aren't just attacking the low income and middle class.

Here's the truth as it occurred to me. This is what I know about KeyBank for which I have written proof.

2) They forge your signature and take funds out of your account. In my case they removed hundreds of thousands of dollars and arrogantly laughed at me as they did it.

3) They misappropriate your monthly payments made on your loan to a phantom account, stop sending you your account statements and then call you in default when you're not. (It will take you six years or more in the legal system just to retain your account statements proving you made your payments.) By this time you've lost your home to KeyBank. My property was worth three million dollars and had one and a half million dollars of equity in it. And, it sold three times for well over two million dollars, (before the property appreciated to three million dollars) while the bank refused to allow me to take these offers.

4) If your home is owned by a trust, which mine was, KeyBank will hire an outside law firm to find a way to foreclose on your property fast. It takes three years to foreclose if your property is owned by a trust, ( Judicial Foreclosure) so they take it out of the trust, (on paper only) and foreclose in a matter of months, (Non-judicial Foreclosure). Why? Because they don't want a Judge to see what they're doing. 5) I was actually paid up on my loan a year in advance but because of KeyBanks federal crimes, I lost my home anyway. I fought them for eight years.

7) The loan KeyBank used to foreclose on me had been given to me personally during my divorce because my assets were frozen. They actually used this loan to foreclose on my home, which was owned by my trust.

All tolled through this. I lost close to ten million dollars; my business; my credit is destroyed unlawfully. Because of my outrageously destroyed credit, I can't get employment. I'm literally dying in the streets of Southern California today, homeless and penniless. I believe I can prove that this was done on purpose to me because the foundation to this federal crime was the embezzlement of eighty million dollars out of my named trust by Paine **, the National Bank of Detroit; my trustees and money manager. When I figured out that this had occurred in September 2004, all the rest of the federal crime started to happen, while I was able to connect the people involved.

I have found the trail pointing out that the California attorney whom I hired to represent me against KeyBank was most probably in bed with KeyBank and possibly many other entities.You cannot convince me that this was an isolated case when KeyBank had six hundred lawsuits filed against them in Idaho alone in the early 2000s. But this is hidden from the public. In fact through my research I've found KeyBank to be the most insidious banks in business today. They hide everything including the fact that they are present in every state in this country. Where there isn't one of their banks, they're present as a real estate company. Gee, I wonder why? You should also know that KeyBank has hired almost every strong law firm in Idaho whereby when the consumer tries to get legal help they find instead conflicts.

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 ****. 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 over draft 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 over draft fees even when a rep 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 "Throw away the key" to make notice of these unfair actions banks are doing to Americans everyday.

My wife and I have had several CDs at Key Bank during the past 4-5 years. We received a notice that one of the CDs was maturing. My wife went in to close the CD on the maturity date as we wanted to invest the funds in an Ohio Bank that paid better interest. When we got our receipt for the transaction, we were charged a fee for a "Official bank check". She did not ask for an "Official Bank Check." She was not informed that there would be a charge to get our money. This is only one of a number of poor customer relations we have experienced with this bank. I recommend people look elsewhere to take their business. Loss of funds, not a major amount, but when taxpayers paid to bail out banks such as this one, why should they have to rip us off again when we withdraw our funds? Enough!

Key Bank representative called me and asked if I wanted to join the rewards program using my debit card. I was told the first year was free. I would have to cancel by 8/25/10 to avoid the $20 annual fee. I called Key Bank on 8/25/10 to cancel. They said it would cost me $5 to cancel as they would need to issue me a new debit card. I was not told there would be a fee to cancel. Key Bank said I could cancel the checking account - which I did.

I opened my account on 04/21/10, Key Bank was running a promotion of $150 in cash for opening a new account. I was misled about how to qualify for promotion and when I called Joseph he told me that these is nothing he can do now. That it was my miss understanding. I want my $150 that was promised to me and I will close my account and tell everyone not to deal with Key Bank and Joseph, "relationship manager."

The OD fees are ridiculous and the polices in regards to deposits and transactions is horrible. I checked my balance everyday and it never actually matches what is in there. I got hit with over $800. 00 in OD charges because of the fact that a check I deposited was held for 2 days and the pending transactions were posted even though they did not really clear until the next day. Even with the OD charges my account balance still showed a positive balance.

I called the 1 800 key 2 you # to get my balance not knowing that the OD fees. I was told the account was positive, so I used what I thought was the balance in the account, only to get hit by insane amounts of charges. I complained and no one cares nor will they listen. I have been a key bank customer for over 20 years. The government really needs to investigate their practices.

Key Bank has been charging me excessive overdraft fees. I check my account on a daily basis online. There are many times a purchase or automatic deduction does not show up until a few days later. This later on can result in an overdraft fee of $39 for each item. Example on a recent incident: I used my debit card for a $1 movie RedBox rental, a $5 at McDonald's, a $7 grocery purchase. I knew my account had about $20 remaining balance with a direct deposit scheduled in about two days. The next day, I checked my account. They have charged me an accumulated $20 regional ATM fee, which is when I don't use one of their ATMs in that month.

The regional ATM fee usually shows up at the end of the month but there's no specific date. As a result of their $20 regional ATM fee, this made all of my previous purchases overdrawn. So I was charged an extra $39, $39 and $39 for the $1 movie RedBox rental, $5 McDonald's and the $7 grocery purchase. I feel that Key Bank does this injustice to consumers who are college students or those that are trying to meet ends meet. With the excessive overdraft fees, it causes my bills to fall behind and no groceries.

I was hospitalized in February 2010 with first a kidney stone blockage, followed by surgery, and complications which resulted in blood clots in my legs. My husband's overtime was eliminated around the same time, and a layoff was being mentioned. Knowing that we would hardly be able to pay the RV payment (our primary residence) in the following months, I immediately called Key Bank and explained my recent situation, requesting help before we became delinquent in payments (Feb 24). I was told that I would have to send in data to see about qualifying for a reduction or modification.

Each time I called to check on the progress of the application, I was told that something new or different was needed, updated, better explained, or simply not received on their side, and I would need to resend it in. Finally, today (April 20), I was able to get in touch with someone on the "workout team" after almost 40 minutes of rude behavior on the intake team and being told that they had received nothing except the last 3 pages that had been faxed on 4-13-10. The member of the workout team was miraculously able to locate all paperwork I insisted they had in their possession. The call took an hour to complete.

Within 15 minutes after hang up I received a call back telling me that I qualified for absolutely nothing because my credit was pulled and was bad and I hadn't filed bankruptcy yet. They were made aware of my perilous situation from the start. At no time was it explained as a prerequisite that I had to have stellar credit to get assistance in a unforeseen circumstance.

This is 2 solid months of calling, faxing (at $2.00 a page) in Fargo (75 miles away) to get them the paperwork they required, or mailing copies of what they insisted they needed to be able to look at the case. It's been a waste of time, money and emotional roller coaster trying to save my house. They should have been more forthcoming with their qualification procedures before wasting my time, effort and emotional well being. They claim that the banks are here to help in a time of need, but all they did was upset the family and now we are facing having our RV repossessed because they will not do a single thing to help us to keep it.

I went to the ATM machine on 2/08/2010 to withdraw $2'400 and the machine only gave me $1'800. The ATM machine kept the other $600 and the bank teller said that I would have to get in touch with you to get my $600 that the machine kept. Please help me with this matter, thank you.

I am complaining two incidents that happened when BofA sold our loan to Key Bank. First of all, we were not notified that the loan was sold. Our September loan payment to BofA was paid just the same through our electronic banking. So when October's payment didn't come out as usual, I called to find out why. I was then told our loan was sold to Key Bank, and shortly after that, we received a late payment notice from Key Bank stating we never made the September or October's payment. We quickly overnighted the October's payment and provided proof that the September payment was taken by BofA. Key Bank charged us over a $200 late fee and told us that it stands regardless of what occurred. Also, on our end, it appears that the September payment that BofA took was never applied to our loan, tax or impound accounts. I have asked for statements and they have not sent any, or even a 1099.

The other huge complaint I have regarding this loan is when we purchased the property, it is two parcels and one was done with a lot split. Well, we just found out that since the inception of this loan, 12/2007, the mortgage company (1st being LaSalle, then BofA, now Key Bank) has been making our tax payment to the wrong parcel number. This was always an impound account. Now, no one will take responsibility or help us. It's like this money which is like $7000 - $8000 a year is just gone and we will have to fight for it. We pay our impound account every month. They should be taking responsibility for the tax payment. Please advise us.

The consequence is first complaint, the loss of a whole month's payment and a late fee. Second, approximately $15,000 - $20,000 of misapplied tax payments and tax delinquent fees on the parcel that never had any tax payments made to it.

My account balance was $1233 from which my mortgage in the amount of $1114 was deducted followed by a restaurant charge in the amount of $87. This left my account with $32 from which I had a pending debit in the amount of $40 for automatic prescription renewal (yes, my fault for not remebering this). I went into the bank to deposit $200 and asked for my available balance after paying the overdraft fee of $38.50 in addition to rectifying the $7-$8 is was missing to clear the $40 charge. My account balance printed showing about $160 available balance.

I logged into my account after the weekend to see that I was charged another $38.50 overdraft fee. After speaking with the bank manager and a customer service rep, they informed me that the pending debit of $40 made my account negative so that the restaurant charge did not clear. This does not make any sense ast the restaurant visit occurred over a week ago. How does it appear to have cleared 7 days later and 2 days before the $40 debit? I feel like they are just trying to get more money out of me. I have been denied overdraft protection too so don't reallly have a way to prevent this other than to be psychic.

On 9/15/09, I deposited a payroll check in the amount of $3315.40, and I withdrew $100 cash from the ATM. On that same day, I was assessed a NSF fee in the amount of $37, because a check in the amount of $262 was presented for payment. When I emailed them they said that they have a policy of holding checks and only releasing $100, and that they would be assessing another $37 fee for the next day. Apparently $3000 balance was not enough to cover the $262 check yet. I threatened to remove my account from their bank, they offered to refund $18.50 (half of the first fee, but none of the second)

Since January I have requested 3 times to get a copy of my original contract. I moved and some how mine was misplaced. I need this because I am in the process of suing the person I took the loan for. I expect to be going to court in the very near future, maybe as soon as next week. I need [them] to email the copy so I can print it to take to court with me.

I have been waiting for 3 months and I no longer have any patience left. I will not hesitate to take further action up to and including non payment of the monthly bill. I have been a good customer and have always paid on time and I expect the same curtiousy as I have shown.

My daughter signed my name as co-signer for her student loans without my authorization or notification. She never realized that this information would be on my credit report as my loans nor did she mean to cause any problems. She assumed she would be able to pay these loans as soon as she secured a job and that since she signed my name as co-signer she did not think this would effect me or my credit. I contacted KeyBank as soon as I saw these loans on all three of my credit reports in late August and at this time I was not aware my daughter had signed my name as co-signer but I complied with all they had requested, notorized there investigation form and returned to them.

I was speaking to Pat F. at this time on the phone on several occasions. She had assured me they would remove these loans off my credit reports a.s.a.p. Then I received a letter in the mail from her stating they were not and felt they were my loans. After this I've tried to contact her but could not because she's well aware these are not my loans but does not want to remove them because as she states the bank is not going to lose this money. My daughter has been paying these loans and how can this be legit for a bank to knowingly keep my name on these loans as the owner when I had no knowledge of this nor had I signed anything? Please help,

I was reading your article on the sham called bank overdraft fees on ATM cards, when I thought I'd add to the discussion. My son made the mistake of transferring money from his checking account to his savings account on his bank's website--when he had meant to do the reverse. Meaning that he had insufficient funds in his checking account, and now he had less. The bank allowed the transfer and charged him an overdraft fee of $35. He then went out and used his debit card to spend what he thought he had deposited in his checking; and it cost him 3 more bank fees. You would think that the bank's website would not have allowed him to transfer funds he did not have, but it did. Terrible website!

Cost him $140, but I complained and threatened to close my accounts; so they reversed 3 of the charges and only charged him $35 for the first event, which was due to their defective website.

i have a home mortgage.my problem is i don t know where to send my payments.i have been told that the company has been sold two are three times but each time it is i am never contacted.i have to call around toget imformation about where to send my payments.i have not been able to make a payment since march because no one knows anthing about my account. i have at least 6 numbers in my records of different places i have made payments. ever so often the addresses kep changes. can you advise me as what to do with out knowing what company it is?i even went back to where i first got the loan and could not get any information

I went to Key Bank to open up a joint account with my wife. I already have 3 accounts with them. We were confronted with questions that our banker referred to a being mandated by the Patriot Act. Initially the questions were benign, relating to our citizen status and other public matters. They she asked this question, "Do you perform any foreign political functions?" (This is verbatim) I was so alarmed by the nature of the question and its Macarthiesque nature I stopped the process of setting up the account and my wife and I left the bank. I have called the offices of Congressman Tim Ryan and Senator Jerrod Brown and no on at those offices were aware of such a question and after extensive internet search I find NO mention of such a question. I was told that if I answer yes to the question I would be quizzed as to the nature of that "foreign political fuction" and that if I refused to answer the question I would not be able to set up the account. I was even refuse a copy of the questions. I merely was to ascertain whether the patriot act does indeed authorize those questions for EVERY individual who seeks to open up a personal banking account.

I wrote an HSBC check in the amount of $10,000 during July 2004 payable to Key Bank NA. The check came back due to insufficient funds. The money was redeposited and the funds were subtracted from my HSBC checking account. Key Bank claims it never received credit for the funds and claims the check was returned a second time for insufficient funds. I am stuck in the middle as HSBC bank claims the money was properly paid to Key Bank while Key Bank claims it never received credit for the fundsd in question. In the meantime I'm out $10,000 plus earnings. Do you have any advice as I have figting this now for quite some time.

Key Bank is now returning items on checking accounts based on "pending" debit transacations, but not taking into account "pending" credit transactions. Our first instance of this occurred in December where there were several pending debit transactions, but there was also a pending credit transaction from a retailer. Several of our items were returned and we were charged overdraft fees of $37.50 per item, even though the pending debit transactions did not actually clear the account until days later, after the pending credit transactions cleared. At no time online did our balance show that we were in danger of having items returned. The balances for each day showed positive and the available balance showed more than enough to cover the debit transactions.

When we questioned the bank, they said that they could show us the exact time that the transactions were initiated, and that if the debited transactions were initiated before the credit ones, even if on the same day, it would cause items to be returned. This is horrifying! How in the world would a consumer be able to know the exact time that a transaction would credit or debit an account. Most consumers work off of totals, knowing that a certain amount will be debited or credited on a certain day, but not at a certain time. Recently, it happened again. Several pending items were shown for a date on which a direct deposit was to be credited. The pending draft items were used against the account and several items were charged $37.50 each due to "insufficient funds" although the pending direct deposit was not considered. Subsequently, those pending items did not actually clear the bank until several days later, and the credited deposit actually shows up on a date prior to the actual clear date of the draft transactions.

I looked at my account one day and everything had cleared. The next day I looked and the bank had rearranged the transactions entering the deposit last so they could charge several overdraft fees. Wells Fargo does the same thing. Sometimes I need my check the day I get it. The bank does not hold the check but changes the order of transactions to charge fees.

Had an account with bank. At the time of opening account I did not take an overdraft provision. Due to circumstances beyond my control I did have overdrafts on my account. However the Bank had initiated so many new fees since my opening my account I finally got fed up with the Bank and chose to close my account. I notified the Bank both by mail and by e-mail. They refused to accept this form of correspondence despite the fact that I am disabled and unable to jump at someones request(I considered it a demand).

I told them I could not come to the Bank but they continued to add on overdraft fees every 5 days despite the fact I had informed them in March of 2002 that I wanted my account closed. (When I opened my account someone came to my house to open my account because they knew I am disabled)Somehow they seem to have forgotten that fact or simply cared to ignore it. Now-the Bank has reported NSF activity to Chex Systems and I am unable to open another checking account for 7 years much to my horror. How does one fight the BIG GUYS - HELP.

P.S. Love your newsletter - thank God there is someone out there who cares about the little guy. Keep up the good work.

In June 2002, I paid a settlement amount to have my credit repaired. The money was sent Western Union and a letter stating that my credit would show "settlement paid in full" was received. It is March 2003 and my credit still shows the same balance being owed and a bad score on my credit bureau. I have contacted them many times. The last time (3-12-03) I talked to the same man who I worked with in June of 2002. He told me that he remembered me well and that he would take care of everything on 3-13-03. On 3-13-03, I called hiim back to make sure that everything was taken care of, and a lady answered - stated that 3-12-03 was his last day of employment with their company. The name of the company is Tabula Rasa Inc at 888-868-9846 and they were handling the account. The truck was returned voluntarily (which is also not noted on my cbr) due to family situations beyond our control.

At teh end of each billing month, my bank adds my interest to by chrge account, often sending me over limit even though I am more than one hundred dalloars below limt on actual charges. then they charge me an over balance fee because the interest has busted my account. Is that legal? Cab they really charge me interest onthe interest? Can I stop them?

In February 2002, I mailed a deposit to my bank(keybank), I am an hour away- so it's easier to mail them. Assuming my deposit made it there, I went to the store and got groceries. Come to find out- it never made it, along with an additional deposit. Well- needless to say, I was charged an NSF fee for a check that was short $7.00. No problem. BUT- my account was totally wiped out- and being laid off, the deposits I mailed were IT for my money. Following this, they charged me a reoccuring NSF overdraft fee of $25.00..and they KEPT charging these fees back and fourth until my account was showing a negative $272.00!!! I mailed a $30- money order which covered the origional bounced check- along with another $40-(that NEVER showed up) and another $100-money order (that never showed up). I have accumilated $154.00 in BOGUS fees. I have called a dozen times, driven an HOUR to the nearest branch- showed stubbs from the money orders, and they STILL refuse to credit ANY fees.

I had a automobile loan with key bank. They received my payment for the balance owing on 1/9/02. It was a MasterCard payment - through a balance transfer program with Citicard. I started calling on approximately 1/23/02, bebause I had not received the title and the person I sold the car to was calling me everynight. I was told they had to wait 10 working days to make sure the payment cleared. This didn't sound right to me, since the transaction was on my credit card and sent directly from the credit card company, but I relayed the information to the buyer of the car. We waited, and then I called again on about the 27th because I was getting worried and harrased by the buyer too. They told me the title was sent on the 24th from Boise, Idaho. That is only a few hundred miles.

They said there was nothing more they could do. I continued being harrased by the buyer of the car, including him showing up at my home about 7:30 the morning of February 1, 2002, and calling me a liar. There was an agruement and I was very upset as well as upseting my small grandchildren. I fully understand his frustration, but I do not accept being called a liar. I agreed to take time out of work and meet him and call Key Bank together, to prove I was not lying to him. We did that and got no further help from them. I am again being harrassed by the buyer, because I still have not received the Title. I called Key Bank again today and went through the same thing again. They agreed to start the process to have a new title sent, but no guarantees on how long that will take.

During my first year of college, I open a small Checking Account with Key Bank. After my graduation, I decided to close the account. I closed the account without any problems. About a month later, I started to receive letters stating that my account was over drawn. I quickly called the customer service line for clarification on the matter. I was informed that my account was had not been closed. The person on the telephone assured me that my account would be closed and the over draft taken off the record. A month later I received another letter stating my account was overdrawn and being closed; also that I was being reported to Chexsystems I again called Key Bank. They again informed me that my account had not been closed. I was told to call corporate to sort out the problem. However, corporate told me to call my local banking branch. This when on and on for 2 weeks until I was told that I could receive a letter stating that my account was placed on Chexsystems be mistake but they would not take my name of the system. They stated that it was not possible and not their policy remove names from Chexsystems.