Consumer complaint received 2020-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (VT)

On XX/XX/2020 I deposited a check at the branch of Key Bank, in XXXX, Vermont. This Check was for {$3400.00} and Originated from our Business account at XXXX XXXX XXXX  in New York. 
The funds cleared XXXX XXXX XXXX  fully on XX/XX/2020 and appeared in total, in my Key Checking Account XXXX on XX/XX/2020. The full amount of {$3400.00} was available in the Key Checking account on XX/XX/2020. 
The {$3400.00} came from a business account that has been used to deposit checks for over 40 months. At no time, without exception has a check from the account in question at XXXX XXXX, ever been held up at Key Bank, ever. 
On XX/XX/2020, and XX/XX/2020 both while I was in the Key Branch to make the deposit and afterwards on XX/XX/2020 or before XX/XX/2020, was I ever notified, without exception that any changes to my checking account privileges ever occurred, period. I was fully acknowledged that the money would be available for the next day as always, and it was. 
My mortgage payment for {$1500.00} ( KeyBank Illegal Charge Which they call a non-sufficient fund of {$38.00} ), was presented on XX/XX/2020 as was my XXXX was {$1300.00} ( Was allegedly paid and I sustained and illegal KEY overdraft fee of {$38.00} ) The illegal hold as of XX/XX/2020 was {$3400.00}. ( {$2000.00} ) On XX/XX/2020 I saw that there was only {$55.00} in my checking account. Key bank had illegally stolen the {$3400.00} EVEN though it was verified out of XXXX XXXX. They has no right to do this. 
Also on XX/XX/2020 I spoke with XXXX, XXXX, XXXX ( who was very professional ) and XXXX. All told me there is no OSJ or officer of supervisory jurisdiction over them. They have no governing supervisor, nor can they send me to the General Counsel of the Bank, despite my repeated pleas. They all refused to help me in a timely, fair or transparent manner, and NO ONE, without exception could provide me accurate information regarding my stolen funds. 
XXXX told me he had contacted XXXX XXXX at the XXXX Branch where I deposited the Check and he was told she was the branch manager and that she would not remove the block. 
On XX/XX/XXXX I was advised to contact XXXX XXXX at the Branch. She was Rude, evasive and refused to identify herself as a branch manager and or OSJ ( Officer of Supervisory Jurisdiction ) nor would she confirm or denied she had told XXXX she put on the block. She then abruptly said she would speak to her Boss refusing to let me know who that was. Then terminated the call, despite my pleas to assist me. In all the time I had gone to that branch, I have always been treated with respect. 
As a former XXXX  XXXX with XXXX XXXX, I have never been treated with such disrespect and clear animosity or overt hostility as the client, as I was treated by XXXX XXXX, who is a disgrace to this industry. 
She lied to me, and refused to help, the client, and she was illegally holding my {$3400.00} This has resulted in illegal charges and the rejection of my mortgage payment. 
I contacted the Branch Manager in NY at key bank at XXXX, who took my call, was polite and said he, too could not lift the block, although everyone claims at Key bank, that a Hold on a check is only done for verification of funds, which was already done, and that hold was placed by the branch manager, in this case, a XXXX XXXX, who is not a bonafide, properly trained, honest or even competent supervisor. 
All Key banks representatives claim that the office of supervisory Jurisdiction or General Counsels office is not accessible. 
FACT : They illegally stole my money under fraudulent conveyance and refused to pay my checks when presented. Thats Fraud, then continue to harm me and enrich themselves, rather then correct the process. 
Key bank also has a COVID policy in place specifically forbidding the theft of my money, and the overt hatred and hostility shown to me. 
Key Bank violated, with intent to harm in the most malicious matter, my civil rights, and with malicious intent seeks to harm me because of my ethnicity, color, weight and domicile. 
Despite repeated pleas of requests to be humane and abide by even the basic ethical standards of common decency, they set out to inflict pain and suffering on myself and my family. 
Key has its own rules of procedure internally that it violated. 
Key Ban also shredded the FINRA 2010 rule with this disgusting conduct. A member, in the conduct of its business, shall observe high standards of commercial honor and just and equitable principles of trade Key Stole my money, irreparably damaged my reputation and subjected my defamatory humiliation by rejecting my mortgage payment. It did so by illegally charging me money of usury it was not entitled to. 
It has the audacity to withhold my funds and then charge me and defame my character. 
Key is guilty of overt XXXX  and profiling towards XXXX XXXX and its should be fined, sanctioned and its agents reprimanded. 
Its agents are afraid to stand up for the clients who pay the bills. In fact we are abused. 
This matter needs to be firmly investigated and its General Counsel held to account for erecting such and illegal, XXXX and fraudulent process and or scheme to defraud. 
As of today, I have no resolution. 
I can be Reached at XXXX XXXX XXXX XXXX XXXX.