Product: Checking or savings account

To Whom It May Concern, This letter serves as a FINAL LEGAL DEMAND for immediate corrective action regarding the repeated, egregious, unlawful, and unjustified financial obstruction, discrimination, and misconduct perpetrated by KeyBank against me and my businesses. This institution has engaged in repeated violations of multiple federal statutes, consumer protection laws, and banking regulations, and has demonstrated a pattern of unjustified denials, fraudulent misrepresentations, and illegal account closures. I am holding KeyBank fully accountable and demand an immediate and aggressive legal remedy. 

This is the SECOND TIME I have been subjected to KeyBanks discriminatory and illegal banking practices. In XXXX, I was denied a business line of credit after initially being approved XXXX XXXX XXXXXXXX XXXX. XXXX ) and was later subjected to an arbitrary and unexplained account closure for another business of mine, XXXX XXXX XXXXXXXX XXXX XXXX This indicates a systemic and intentional pattern of obstruction and bad faith practices by KeyBank, warranting federal and legal intervention. 

On XX/XX/XXXX, I engaged in discussions with XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX, a KeyBank private banker, regarding a {$150000.00} business line of credit. After providing every requested financial documentincluding my XXXX and XXXX tax returns ( both personal and business ), personal financial statement, business debt schedule, profit & loss statements, and balance sheetKeyBank manufactured a false excuse regarding my tax returns, wrongfully denied my credit application, and referred me to a fraud department without justification in an attempt to cover up its unlawful actions.UNLAWFUL ACCOUNT FREEZE DIRECT FEDERAL LAW VIOLATIONS On XX/XX/XXXX, at XXXX PM, I attempted to make a routine deposit at my home branch ( XXXX XXXX XXXX, XXXX, MI XXXX ), only to be informed that ALL THREE of my business accounts had been BLACKED OUT and FROZEN. KeyBank provided NO NOTICE, NO EXPLANATION, and NO LEGAL JUSTIFICATION. This illegal financial obstruction has crippled my ability to conduct business and constitutes a direct and flagrant violation of multiple federal banking laws. 

KEYBANK HAS WILLFULLY AND KNOWINGLY VIOLATED THE FOLLOWING FEDERAL LAWS : ( 18 U.S.C. 1344 - Bank Fraud ) If a bank knowingly and intentionally freezes accounts under false pretenses or misrepresents the reasons for doing so, it may constitute criminal fraud.

1. 12 U.S. Code 4303 - Disclosure of Terms for Consumer Accounts o KeyBank is legally required to provide clear terms regarding access to funds. Freezing an account without contractual or legal justification is a direct violation of federal law.

2. 12 U.S. Code 4002 - Availability of Funds ( Expedited Funds Availability Act - EFAA ) o Deposited funds must be made available within legally mandated timeframes. The unlawful freezing of my accounts constitutes an egregious and knowing violation of this statute. 
3. 12 U.S. Code 5531 - Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under CFPB Rules o KeyBank has engaged in unfair, deceptive, and abusive banking practices by repeatedly denying access to my funds and fabricating false justifications for denying my credit application.

4. 12 U.S. Code 5564 - Enforcement by the CFPB o The CFPB has full enforcement authority against banks engaging in unlawful practic
es. KeyBanks repeated violations warrant immediate federal investigation and maximum penalties.

5. Electronic Fund Transfer Act ( EFTA ) ( 15 U.S.C. 1693f ) o KeyBanks unauthorized account freezes have directly interfered with electronic transactions, violating federal protections under the EFTA.

6. 12 CFR Part 1002 Equal Credit Opportunity Act ( Regulation B ) o Discriminatory and arbitrary credit denials are illegal. KeyBank has provided no valid explanation for its repeated denials, raising serious legal implications under federal lending laws. 
7. Fifth and Fourteenth Amendments - Right to Due Process o If KeyBank acted under governmental instruction, it has completely ignored constitutional due process protections, further compounding its legal liability.