Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: KEYCORP
State: NY

Complaint narrative:
XXXX fraudulent credit card transactions were made in New Jersey on a credit card account in my name. I live in XXXX New York and do not spend time in New Jersey for work or any other reason. XXXX were made at a XXXX in XXXX, NJ on XX/XX/year>. These XXXX were made at the same XXXX within a span of XXXX minutes. I did not receive an alert from Keybank after these first XXXX purchases were made. The fourth was made the following day on XX/XX/year> from an XXXX XXXX in XXXX, NJ. This purchase ( totaling {$350.00} ) triggered an automated text message from Key Bank alerting me of the transaction and I immediately responded that it was fraudulent. In spite of this I was told to contact customer support and file a dispute as the charge could not be blocked via text message in time. I immediately called and filed this dispute. I blocked the card and another purchase attempt was made by the fraudster at a Real fruit bubble tea ( also in New Jersey ) during the call which was blocked. After reviewing my case, Key Bank denied my claim because " most of the reported charges were initiated using your physical card. And since your card wasn't reported as lost or stolen, we have found that as a conflicting information. '' This ignores the fact that it is possible to commit credit card fraud through a process called card cloning which would explain how the fraud could have been committed without me losing my card. I repeatedly told Key Bank that I did not authorize, make, or authorize anyone else to make these purchases. I did not sign for these purchases and, for the XXXX purchases, no signature was required. I informed Key Bank that I do not live in or spend any time in XXXX or XXXX. 

Here is further evidence which I gave to Key Bak that I did not make or authorize the fraudulent transactions : I downloaded the receipts for the fraudulent purchases fromWalmart.comusing the last XXXX digits of my card, the amount that was charged, and the date purchased. They do not match my spendingfor example, the person bought dog food. I do notown a dog. Also, XXXX did not require them to sign for the purchase.The purchase could have been authorized by me when I didnt sign the bill and it was not required. These receipts are attached on this email. 
The fraudster made XXXX separate purchases at the same XXXX within minutes of each other, as if to test what the credit limit was on the card or to avoid triggering a fraud alert by keeping each transaction below the spending threshold that would do this. This alone is suspicious. I would never go to a store and check out XXXX times within XXXX minutes. 
I clock into work at XXXX every week day in XXXX XXXX XXXX XXXX XXXX where I am a music teacher. The purchases were made at approximately XXXX in XXXX XXXX New Jersey XXXX I would not have had time to get back to New York XXXX in time to get to work. 
There are also payments made in XXXX new York on my other credit cards on the days in question. It is not possible for me to have made payments in both New Jersey and XXXX within this time frame unless the purchases made in New Jersey were fraudulent. 
I have no history of visiting XXXX or XXXX XXXX in New Jersey. I have not gone through all of my purchase history, but I dont believe I have ever used my card in XXXX XXXX XXXX. I do not own my own car making it difficult for me to get there and I never spend any time in XXXX or XXXX. I have not authorized anyone to use my card in XXXX or XXXX or anywhere else. 
Furthermore, the statements will show that the fraudsters attempted to buy bubble tea at XXXX XXXX XXXX XXXX after I had blocked the card these attempts showed up while I was on the phone with the Key Bank customer service representative to dispute my claim for the first time. They are obvious indications of fraudulent activity. 

The case number for this dispute filed at Key Bank is XXXX

Company response to consumer: Closed with explanation