Consumer complaint received 06/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with KEYCORP (ME).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: BODY of COMPLAINT On Friday, XX/XX/XXXX the plaintiff made on line transfer of ( {$1500.00} ) XXXX XXXX XXXX XXXX XXXX dollars from a Key Bank checking account to his Key XXXX Acct ending in XXXX. These funds were immediately withdrawn from the plaintiffs checking account. However, the on-line transaction was not posted by the bank to the XXXX account until XX/XX/XXXX and did not show on line until sometime on Tuesday XX/XX/XXXX. At the same time a disputed XXXX transaction in the amount of ( {$210.00} ) XXXX XXXX XXXX dollars and XXXX XXXX, was credited to the plaintiffs XXXX  account. This resulted in a {$210.00} credit in the plaintiffs XXXX account.
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On or about Tuesday XX/XX/XXXX The Plaintiff visited the Key Bank Branch in XXXX, Maine and requested the {$210.00} be transferred back to his account. The plaintiff was told that it would take a day or two. The Plaintiff was also told that if he electronically transferred that amount out of the XXXX account to his checking account, that transaction would be considered a cash advance and a cash advance charge would be issued even if those funds represented an over payment or credit balance.
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One Friday XX/XX/XXXX, the bank told the Plaintiff that he would have to wait untilXX/XX/XXXX before he could ask for those funds to be returned and that if he wanted a cash return rather than a transfer it would take another ten to fourteen days for them to mail a check to him.
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CHARGE The plaintiff charges the defendant with unfair trade and banking procedures and class E theft by deception, ( A person is guilty of theft if : A. The person obtains or exercises control over property of another as a result of deception and with intent to deprive the other person of the property. Violation of this paragraph is a Class E crime ; or [ 2001, c. 383, 34 ( NEW ) ; 2001, c. 383, 156 ( AFF ). ] Unfair trade and banking procedures : The defendant is guilty of taking and using the plaintiffs money without permission, controlling those funds and not paying the plaintiff interest on those funds until and unless the plaintiff agrees A ) To transfer or withdraw those funds and pay the fees for a cash advance B ) Waits until XX/XX/XXXX and then transfer those funds or request a check be sent to him which could take up to an additional two weeks.
C ) Use those funds towards new purchases Because of the current issues with Key Bank and XXXX, the plaintiff has started the procedure to move his accounts to another local bank and wishes to close this XXXX account. Therefore Item C is not a valid option for the plaintiff and forces him to continue with using a bank and credit card that the plaintiff no longer has any faith and confidence in.
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Proper Jurisdiction The plaintiff concedes that Key Bank is a federally chartered bank and is subject to administration by the Consumer Financial Protection Bureau ( CFPB ) as  chartered in XXXX and is not under the guidance or control of the Maine Banking Commission or its commissioner and that the CFPB is the proper adjudicator for this grievance.

Company response to consumer: Closed with explanation