Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: OR

Complaint narrative:
On the XXXX of XX/XX/year> I had an automatic payment come out of XXXX dollars. On the exact same day a XXXX dollar overdraft fee was added to account. 

I have presently been in the house violently ill and I was not aware of what had occurred. I am not presently able to go out yet and was going to send a relative to deposit some funds for me until I saw the fees. 

I then called keybank and was told only XXXX fee could be refunded within a 12 month period. I also requested the account simply be closed and they refused to do so. 

At this point, on principle I will not be paying any overdraft fees albeit I am more than willing to pay what I have actually overdrafted. 

These bank makes millions of dollars every year from the interest in our accounts yet have the audacity to attempt in charging fees. The last time I had overdraft fees a temporary credit was reversed and I ended up paying over XXXX dollars in fees because something was reversed without warning and I was unaware as I have a very busy work schedule and my account was fine the last time Id checked. 

I could understand if a week or more had passed and Id been alerted and the account remained negative but it was assessed on the exact same day and did not give me any time to rectify it. 

I have been severely disappointed in keybank since I became a customer with them. They have abysmal customer service and are severely inflexible regarding everything. There is also no accountability nor transparency in how they handle matters. 

During XXXX matter I attempted to escalate it to an XXXX complaint team and was refused. I was then told to contact the branch by the customer service team and then when I contacted the branch I was told to I had to contact the XXXX number and the loop continued. 

I even reached out to my local branch XXXX and he assured me they would attend to things and that hed put in a request yet I checked back there was never a response nor returned calls from him thereafter. These are little things which become big things. 

When one supports a company and they cant reach nor complain to corporate as a checks and balance that is issue. 

As a consumer, I refuse to be taken advantage of anymore by keybank. They will continue adding fees every 5 days and that will be a result of their inflexibility and inhumanity to make an exception to policy which does not serve their clientele and due to their refusal to simply close the account. 

This is the only account I have which does internet purchases but I will simply utilize XXXX of my other accounts as thus and have checked to see which backs dont have overdraft fees. 

Banking is turbulent right now and I decided to return to the place where I opened my first bank account which also doesnt have any fees. 

Key bank does not care about their clientele and even though Ive been ill and am still they are uncaring and unconcerned. 

Ive never had the displeasure of banking with a bank that is so inflexible but this is the end of XXXX XXXX for me. 

There no accountability or compassion with these people There have also been other instances where theyve shown their unsuitable and disorganized nature- like when they closed my business account which had money in it without warning, sent a check to the incorrect address on file, then it took 6 months to get a very small check reissued and sent ; when they should have alerted me first and simply transferred the money over to the account which was still open I have several not great stories regarding keybank and Ive been observing it all.

Company response to consumer: Closed with explanation