Consumer complaint received 2015-08-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: KEYCORP (NY)

My checking account was originally with XXXX, and Key Bank acquired numerous banks in XXXX and mine was included. I did n't change banks because I 'm a widow with XXXX children and we get social security death benefits direct deposited. I 've had this account for several years and never had a problem and if I did it was fair to pay overdraft of course. This year I went through a few bad personal assistants helping me with my biz and personal, and I got behind in my paperwork. But started feeling a tight money pinch every month. I just finally printed everything last week and reviewed it all, and have been a literal hot mess- they charged my account a total of XXXX categorized fee 's, some XXXX times in one day, and 95 % of them were for items they never paid nor were they checks. So far there are months that have over {$600.00} in fee 's, some over {$300.00}, and many just under {$600.00}, every month. They put their fee onto my account, which then makes it negative, and everyday, Key bank tries to claim the {$38.00} fee by attempting again, literally snowballing already {$400.00} in just a few days. My kids need to start school, and this is all money I desperately need to move. 
I reached out to key Bank in XXXX different channels. XXXX was by live chat XXXX XXXX or so, the XXXX was via phone on the number on my statement. The XXXX time I called my branch. I asked them if they had a limit on fee 's, if they knew the laws, and that they were stealing government assistance money for my children. They are all trained to make you feel like a loser, and refuse to help. The branch girl told me about a different checking account on the phone, but said if I closed my current account I would n't get my fee 's back even though they all XXXX said they could do only one. Mosty happen on or after dated of my direct deposit, and after stealing of our government death benefits every month- they wo n't stop charging my account depite opting our verbally and 2 years ago in 2013. 

My check just went in and we paid rent to our new apartment and within a day the fee 's started again. Last month over {$600.00}. I have been burned by every single bank 's greed. XXXX took my house in the recession- I have a small settlement check coming to me which by no means balances the pain of that situation. Key bank has completely halted my move but also business expenses, and in another day more bills will attempt to be paid. 
My statements are all mysteriously missing dates of activity and they happen to be for the same days my checks go in. Somedays they clear things and charge me, some days they refuse to clear my car payment when it is in there, and I am already facing issues with them XXXX XXXX - a nightmare with forced placed insurance on my vehicle, and the returned fee 's from key bank added fee 's every which way between the both banks. 
They should be ashamed of themselves taking children 's money or anyone 's money- it 's not safe in banks anymore! 
I am so disgusted that our country is allowed to do this!