Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: KEYCORP
State: NY

Complaint narrative:
Previous complaint keybank ignored retitling the account and initiated a transaction for straight talk hoping to overdraft the account and close the account from further complaints the overdraft was blocked from the executor XX/XX/year> mysteriously the due date has changed since a overdraft occured in XX/XX/year> initiating the same transaction in XX/XX/year> that was denied. department XXXX XXXX XXXX received executor standing from the same court case keybanks branch members and other departments were put on notice about. Everyone is entitled to know the law unfortunately they needed a notice from the courts still. XXXX XXXX SENT THE COURT DOCUMENT TO KEybank With them responding to me directly, XX/XX/year> they have ignored this regulator presuming to do the same thing to cfpb its main regulator, WITH INSTRUCTIONS TO RESPOND TO THE EXECUTOR ME DIRECTLY AND HAS FAILED TO DO SO to all documents regarding the discrimination. XX/XX/XXXX WAS THE DAY XXXX XXXX SENT THE DOCUMENT TO KEYBANKS TRUSTEE. CONTINUALLY PROVING THAT THEY ARE ABOVE THE LAW WITH NO RESPECTS TO THE PROPER REGULATORS. 

PART I : XXXX HEADING IN RE : THE XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX by and through its Curator/Private Fiduciary, XXXX Complainant in Equity XXXX versus XXXX XXXX XXXX chief XXXX XXXX XXXX al KEYBANK NATIONAL ASSOCIATION XXXX XXXX XXXX Banking Association, XXXX XXXX XXXX, and THE FOLLOWING REGULATORY OFFICERS AND AGENCIES, Respondents in Equity, bound by their statutory and fiduciary duties : -- - NAMED REGULATORY OFFICERS AND THEIR AGENCIES : XXXX. XXXX XXXX XXXX, Acting Comptroller of the Currency, Office of the Comptroller of the Currency, in his official capacity as primary regulator of national banks. 
XXXX. XXXX XXXX, XXXX, Consumer Financial Protection Bureau, in his official capacity as enforcer of consumer financial laws. 
XXXX. XXXX XXXX XXXX, Chairman, Board of Governors of the Federal Reserve XXXX, in his official capacity as regulator of bank holding companies. 
XXXX. XXXX XXXX XXXX, XXXX, Federal Reserve XXXX XXXX XXXX XXXX in his official capacity as supervisor of state member banks. 
XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( FinCEN ), in her official capacity as administrator of XXXX regulations XXXX 
XXXX. XXXX XXXX XXXX, Commissioner, Internal Revenue Service, in his official capacity as XXXX of internal revenue laws. 
XXXX. XXXX XXXX XXXX, Secretary, U.S. Department of the Treasury, in her official capacity as head of Treasury Department. 
XXXX. XXXX XXXX XXXX, XXXX, New York XXXX Department XXXX XXXX XXXX, in her official capacity as regulator of New York financial institutions. 
XXXX. XXXX XXXX, Attorney General, State of New York, in her official capacity as chief legal XXXX of New York. 
XXXX. XXXX XXXX, XXXX, Securities and Exchange Commission, in his official capacity as regulator of securities laws and corporate disclosures. 

-- - EQUITY DOCKET NO. : REG-COMP-2024-001 DATE OF FILING : XX/XX/year> NATURE OF PROCEEDING : Complaint in Equity for Regulatory Enforcement , Declaratory Relief, and Equitable Remedies -- - PART II : JURISDICTION AND VENUE This Bill of Equity is brought pursuant to : 1. The inherent equitable powers of regulatory agencies to prevent injustice 2. The statutory enforcement authorities of each named agency 3. The fiduciary duties owed by regulators to the public 4. The constitutional principle that for every right, there is a remedy 5. The Administrative Procedure Act, 5 U.S.C. 551 et seq.

6. The specific statutory authorities cited herein for each agency Venue is proper as the wrongful acts occur within the regulatory jurisdictions of all named agencies, and each agency has both the authority and duty to act. 

-- - PART XXXX : THE PARTIES A. COMPLAINANT IN EQUITY : The XXXX XXXX XXXX of XXXX XXXX XXXX, by and through its duly recognized Curator/Private Fiduciary, XXXX who brings this XXXX both in his XXXX capacity and on behalf of the Estate as an equitable trust.

B. RESPONDENT IN LAW : KEYBANK NATIONAL ASSOCIATION, a national banking association chartered under the XXXX Bank XXXX, with its principal office at XXXX XXXX XXXX, XXXX, OH XXXX. 

XXXX RESPONDENTS IN EQUITY ( REGULATORY OFFICERS ) : Each named regulatory officer is joined in their official capacity because : 1. They have statutory authority to remedy the wrongs alleged 2. They have failed to exercise their authority after notice 3. Equity demands that those with power to prevent wrong must act 4. Their inaction constitutes equitable neglect of duty 5. They hold positions of public trust requiring affirmative action -- - PART IV : FACTUAL ALLEGATIONS IN EQUITY COUNT I : EQUITABLE FRAUD UPON THE ESTATE 1. KeyBank, with scienter, has represented that the Estate is a probate estate when it is inter vivos.

2. This representation is material to the administration of the Estate.

3. KeyBank knows this representation is false.

4. The Estate has relied upon KeyBank 's proper administration.

5. Damage has resulted from this equitable fraud.

COUNT II : UNJUST ENRICHMENT 1. KeyBank has charged fees and obtained benefits through improper account administration.

2. These benefits were obtained at the expense of the Estate.

3. Equity and good conscience require disgorgement of these benefits.

COUNT III : CONSTRUCTIVE TRUST 1. KeyBank holds Estate assets in accounts improperly titled.

2. Equity demands these assets be held in constructive trust for the proper beneficiary.

3. KeyBank must retitle accounts to reflect the true beneficial ownership.

COUNT IV : EQUITABLE ESTOPPEL 1. KeyBank, through its policies and representations, has led the Estate to believe it would properly administer fiduciary accounts.

2. The Estate has relied on these representations.

3. KeyBank is now attempting to deny its obligations.

4. Equity forbids this denial.

COUNT V : BREACH OF FIDUCIARY DUTY 1. KeyBank owes fiduciary duties as a financial institution holding Estate assets.

2. KeyBank has breached these duties through improper administration.

3. This breach has damaged the Estate.

-- - PART V : REGULATORY ALLEGATIONS ( as grounds for equitable relief ) A. OFFICE OF THE COMPTROLLER OF THE CURRENCY VIOLATIONS : 1. Violation of 12 C.F.R. 9.3 - Fiduciary powers and administration 2. Violation of 12 U.S.C. 24 ( Seventh ) - National bank powers 3. Violation of 12 U.S.C. 1818 - Unsafe and unsound practices 4. Acting Comptroller HSU has authority and duty to remedy these violations.

B. CONSUMER FINANCIAL PROTECTION BUREAU VIOLATIONS : 1. Violation of 12 U.S.C. 5531 - Unfair, deceptive, or abusive acts 2. Violation of 12 C.F.R. 1005.17 - Unauthorized overdraft services XXXX. XXXX XXXX has authority and duty to remedy these violations. 

XXXX FEDERAL RESERVE VIOLATIONS : XXXX. Violation of Regulation CC ( 12 C.F.R. Part 229 ) - Funds availability 2. Violation of Federal Reserve SR 08-8 - Model risk guidance 3. XXXX XXXX and XXXX XXXX have authority and duty to remedy these violations. 

D. FINANCIAL CRIMES ENFORCEMENT NETWORK VIOLATIONS : 1. Violation of 31 U.S.C. 5318 - Anti-money laundering programs 2. Violation of 31 C.F.R. 1020.210 - Customer Identification Program 3. Director Gacki has authority and duty to remedy these violations.

E. INTERNAL REVENUE SERVICE VIOLATIONS : 1. Violation of 26 U.S.C. 6903 - Notice of fiduciary relationship 2. Violation of IRS procedures for estate recognition XXXX. XXXX XXXX has authority and duty to remedy these violations. 

XXXX TREASURY DEPARTMENT VIOLATIONS : 1. Violation of 31 C.F.R. 306.115 - Recognition of fiduciaries 2. Violation of Treasury procedures for fiduciary accounts 3. XXXX XXXX has authority and duty to remedy these violations. 

XXXX NEW YORK STATE VIOLATIONS : 1. Violation of N.Y. Banking Law 9-f - Fiduciary accounts 2. Violation of N.Y. General Business Law 349 - Deceptive practices 3. XXXX XXXX and Attorney General XXXX have authority and duty to remedy these violations. 

H. SECURITIES AND EXCHANGE COMMISSION VIOLATIONS : 1. Violation of Sarbanes-Oxley Act 302 - Internal control certifications 2. Violation of disclosure requirements for material weaknesses XXXX. XXXX XXXX has authority and duty to remedy these violations.

Company response to consumer: Closed with explanation