Logic One Computers

---------- Forwarded message ----------From: [redacted] < [redacted] @outlook.com>Date: Thu, Jun 23, at 5:PMSubject: Complaint [redacted] To: "***@cleveland.Revdex.com.org" Good Evening,I recently received a letter from you all stating my case was closed for "information purposes only" because I failed to submit a release letter I have been terribly busy and so had not responded to the request for release Key bank has responded and they did decide to refund my fees as requested I would like to have a chance to sign the release so the resolution can be published by Revdex.com and properly explain their business practices I believe I will still close my account however it will cost to close it right now so I may wait it out the next couple of monthsI really don't want to give them any additional money I still believe their banking practices are terrible[redacted] Email: [redacted] @outlook.com

KeyBank Executive Offices Public Square Cleveland, OH January 31, Revdex.com Attn: [redacted] Euclid Avenue, 4th Floor Cleveland, OH 44115- RE: [redacted] Revdex.com Case No [redacted] Dear [redacted] ***: KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office by [redacted] We understand the importance of our client’s financial wellnessPlease be assured that KeyBank is committed to providing excellent serviceOn January 24, 2017, KeyBank delivered our resolution to [redacted] ’s concerns verbally Please be advised that, in order for KeyBank to further research any remitted payments that have not been applied, we have requested a Bill Payee report from her financial institution, which will evidence that the payments in question were properly remitted and allow us to further research her concerns As of this date, KeyBank has not yet received this documentation We appreciate the opportunity to respond to [redacted] ’s concerns with quality and integrityThank you for your consideration in this matter Sincerely, Jewel J [redacted] Jewel J [redacted] Executive Client Relations Office of the President

(The following was copy/paste by Revdex.com staff - LST)KeyBankExecutive OfficesPublic SquareCleveland, OH 44144April 11, 2017Revdex.comAttn: MsNichole ***Euclid Avenue, 4th FloorCleveland, OH 44115-2408RE: Betsy [redacted] Revdex.com Case No [redacted] Dear Ms***:KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office by MsBetsy [redacted] We understand the importance of our client’s financial wellnessPlease be assured that KeyBank is committed to providing excellent serviceOn February 14, 2017, KeyBank delivered our resolution to Ms [redacted] ’s concerns verbally.Our review found that Ms [redacted] submitted a debit card fraud claim on November 10, 2016, which was found in her favor and resulted in reimbursement of $in associated transactions and service charges incurred as a result of the fraudulent transactionsHowever, transactions cited by Ms [redacted] as fraudulent after this initial claim, which were not completed with use of her debit card or debit card information, were found to have been validSubsequently, this claim and request for reimbursement was denied.With regard to payment arrangements toward the balance owed on Ms [redacted] ’s account, which charged off on January 10, with a negative balance owing $1,we kindly request that Ms [redacted] to contact [redacted] by telephone at [redacted] .We appreciate the opportunity to respond to Ms [redacted] ’s concerns with quality and integrityThank you for your consideration in this matter.Sincerely,Janine [redacted] Executive Client RelationsOffice of the President

KeyBank Executive Offices Public Square Cleveland, OH July 6, Revdex.com Attn: Ms [redacted] Euclid Avenue, 4th Floor Cleveland, OH 44115- RE: [redacted] Revdex.com Case No [redacted] Dear Ms [redacted] : KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office by [redacted] *** We understand the importance of our client’s financial wellnessPlease be assured that KeyBank is committed to providing excellent serviceOn July 1, 2016, KeyBank responded to you in writing regarding our response to Ms ***’s concerns We have reviewed Ms ***’s additional concerns and our position remains the same We appreciate the opportunity to respond to Ms***s’s concerns with quality and integrityThank you for your consideration in this matter Sincerely, Jewel J [redacted] Jewel J [redacted] Executive Client Relations Office of the President

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below.I have provided Key Bank with a copy of my domicile which provides my address for almost years with my signatureI had no affiliation with the address in which they indicated that they sent documents toAlso, it is my understanding that my daughter has contacted the company informing them that I was totally unaware of any loan.It is unbelievable to me that this organization would hold me liable for their neglect and improperly verify identity, therefore issuing any credit to someone without contacting me to confirm I have a fraud alert on all of my credit reports which also has my contact infoIf my daughter is responsible, she should be liable but your company has not taken any responsibility for your part in this matterI am exhausted mentally and healthwise and if I can't get this removed as I am not responsible, I have to seek legal representationAlso, when I discovered this debt, this company has has this on my credit since, 2006, they have had this on my credit report approximately years, which on that alone, it should be deleted but even more so holding me accountable for a situation in which I hold or bare any responsibility for Regards, [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***

KeyBank Public SquareCleveland, OH March 25, Revdex.com Attn: [redacted] Euclid Avenue, 4th Floor Cleveland, OH 44115- RE: [redacted] ***Revdex.com Complaint No [redacted] Dear [redacted] : KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office by [redacted] *** On March 23, 2016, KeyBank delivered our resolution to Ms [redacted] ***’s concerns verballyOn December 10, 2015, Ms [redacted] reached out to KeyBank’s fraud department alleging a $check had been stolen from herMs [redacted] did not provide the information necessary for KeyBank to complete the investigation, however, so the investigation was closedAs a courtesy to Ms***, KeyBank has waived the balance owed as a result of this check and will stop correspondence related to this balancePlease be advised that KeyBank considers this matter closedWe appreciate the opportunity to respond to Ms***’s concerns with quality and integrityThank you for your consideration in this matter Sincerely, Jeanette P*** Jeanette P***Executive Client RelationsOffice of the President

KeyBank Executive Offices Public Square Cleveland, OH June 6, Revdex.com Attn: Ms [redacted] Euclid Avenue, 4th Floor Cleveland, OH 44115- RE: [redacted] Revdex.com Case No [redacted] Dear Ms [redacted] : KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office by Ms [redacted] We understand the importance of our client’s financial wellnessPlease be assured that KeyBank is committed to providing excellent service The criteria for qualifying for the $Cash Reward promotion are detailed in the KeyBank’s marketing materials promoting the offerBanking is a highly regulated industry and KeyBank’s marketing strictly adheres to these regulationsAs stated in KeyBank’s advertising literature promoting the offer (copy enclosed), in order to receive the promotion reward, eligible clients must make one (1) direct deposit, in the amount of $or more, within days after Account opening Our review has found that Ms [redacted] ’s account was established on March 23, However, the required direct deposit, in the amount of $or more, was not completed within days of account opening Subsequently, the Account did not qualify for the $Cash Reward premium While our review found no bank error, and as a gesture of good will, KeyBank is allowing an additional days, to complete the required direct deposit Please know that this information was disclosed to Ms [redacted] via telephone on May 23, 2016, and she is aware that the new deadline to meet the requirements is July 22, We appreciate the opportunity to respond to Ms [redacted] ’s concerns with quality and integrityThank you for your consideration in this matter Sincerely, Jewel J [redacted] Executive Client Relations Office of the President

(The following was copy/paste by Revdex.com staff - LST)***My dispute is about all the fees they charged while investigating the account I paid over in fees and I want at least some of that refunded to that account

[redacted] September 12, 2017MrLevi [redacted] Dear Mr***:Thank you for taking the time to contact the Executive Offices of KeyBank National Association (“KeyBank”) Your feedback is important to us and your concerns have been reviewed.I have consulted with colleagues here about your situation.Please be assured that KeyBank is committed to providing excellent service and your concerns regarding your experience have been addressed internally.Our records reflect that the late fee that was assessed on July 3, was not a result of a bank error; however, as a courtesy KeyBank waived the $late fee on September 1, 2017.In reviewing this matter it was determined the late fee was assessed as a result of the June 27, due date not being satisfied on timeThe June payment was satisfied in full on July 14, and applied as follows: $interest and $in feesThis caused a late fee to be incurred in the amount of $The August statement reflects the late charge assessed as it was assessed to the account on July 3, 2017, the start of the statement cycleThe fee has been waived and the reimbursement will be reflected on your statement generated September 2, 2017.Our records reflect account ending in is paid current and the next payment is due September 27, in the amount of $50.00.In closing, please know that KeyBank values your feedback and the opportunity to address your concernsWe appreciate your business and look forward to continuing to work with youPlease feel free to contact us at 1-800-539-(TTY/TDD 1-800-539-for our hearing impaired clients) if you have any questions or additional concernsWe will be glad to assist you.Sincerely,Elizabeth [redacted] Department Manager, Operations

KeyBankExecutive Offices Public SquareCleveland, OH December 19, Revdex.com Attn: Ms [redacted] ***Euclid Avenue, 4th Floor Cleveland, OH 44115- RE: [redacted] Revdex.com Case No [redacted] Dear Ms***: KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office by Mr [redacted] We understand the importance of our client’s financial wellnessPlease be assured that KeyBank is committed to providing excellent service.On December 19, KeyBank contacted Mr [redacted] in writing, requesting he contact our office by telephone so that we may further assist him Please be advised, in order for KeyBank to provide any additional information to the Revdex.com, KeyBank would need for you to provide us with the Release Authorization Form We appreciate the opportunity to respond to Mr [redacted] ’s concerns with quality and integrityThank you for your consideration in this matterSincerely, Jeanette P***Executive Client RelationsOffice of the President

KeyBankExecutive Offices Public SquareCleveland, OH 44144January 5, 2017Revdex.com Attn: [redacted] ***Euclid Avenue, 4th Floor Cleveland, OH 44115-2408RE: [redacted] [redacted] Revdex.com Case No [redacted] Dear [redacted] ***: KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office by [redacted] We understand the importance of our client’s financial wellnessPlease be assured that KeyBank is committed to providing excellent serviceOn December 30, 2016, KeyBank delivered our resolution to [redacted] ’s concerns verballyOur review found [redacted] ’s Bill Pay items cited in her complaint were rejected due to having provided inaccurate Payee informationWe have since recommended that she set up her Payee information manuallyAdditionally, as a gesture of goodwill, KeyBank is sending [redacted] a $Key Possibilities Card, which can be used anywhere MasterCard® is acceptedPlease note that KeyBank does not provide tax advice We advise clients to consult their personal tax adviser should they have questions on how this Key Possibilities Card may be reported for tax purposesWe appreciate the opportunity to respond to [redacted] ’s concerns with quality and integrityThank you for your consideration in this matter Sincerely, Jewel J [redacted] Jewel J [redacted] Executive Client RelationsOffice of the President

[redacted] ***to me KeyBankExecutive OfficesPublic SquareCleveland, OH 44144February 13, 2017Revdex.comAttn: MsNichole ***Euclid Avenue, 4th Floor Cleveland, OH 44115-2408RE: Rochelle [redacted] Revdex.com Case No [redacted] Dear Ms***:KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office and the Consumer Financial Protection Bureau (the “CFPB”) by MsRochelle [redacted] We understand the importance of our client’s financial wellnessPlease be assured that KeyBank is committed to providing excellent serviceOn February 13, 2017, KeyBank responded to the CFPB and Ms [redacted] regarding her concerns in writingAttached for your review is a copy of our responsePlease be advised that KeyBank’s position remains the same.We appreciate the opportunity to respond to Ms [redacted] s concerns with quality and integrityThank you for your consideration in this matter.Sincerely,Richard [redacted] Executive Client RelationsOffice of the President [redacted] KeyBank N.ALakeshore Boulevard Willowick, OH 44094February 13, 2017MsRochelle [redacted] ***Re: Johnson, [redacted] Cleveland, OHCFPB Case No [redacted] Key Business Saver Account NoEnding in *** (the "Account")Dear Ms [redacted] :We received the complaint that you filed through the Consumer Financial Protection Bureau in regards to your questions and concerns about the banking service KeyBank National Association ("KeyBank") provides.I would like to take this opportunity to apologize on behalf of KeyBank for any inconvenience you experienced and for the frustration you felt as a result of this matterWe at KeyBank strive to provide great service that helps you make confident financial decisionsSpeaking for KeyBank, sincerely regret that our service did not meet your needsWe have addressed the situation with all appropriate personnelhave reviewed your concerns and would like to offer the following:Pursuant to Part H; Section of KeyBank's Deposit Account Agreement and Funds Availability Policy (copy enclosed):Special Rules for New Accountsifyou are a new customer, the following special rules may apply, at our discretion, during the first days your account is open instead of the rules described above.Funds from electronic direct deposits to your account will be available on the business day that the fiords are due to youFunds from deposits of cash, wire transfers, and the first 55,of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditionsFor example, the checks must be payable to you (and you may have to use a special deposit slip)The excess over will be available no later than the ninth business day after the day of your depositIf your deposit of these checks (other than a U.STreasury check) is not made in person to one of our employees, the first 55,will not be available until the second business day after the day of your deposit.Funds held from all other check deposits will be available on the ninth business day after the day of your deposit.Please know this complaint was reviewed with the Southgate branch and it was confirmed that you were told incorrect information regarding the time frame in which KeyBank considers an account as newWe apologize for any confusion this may have caused.[MsRochelle [redacted] February 13, Page 2]Our records show the Account was closed on February 2, Additionally, our records show a $Early Closure Penalty was assessed on February 2, Pursuant to KeyBank's Small Business Savings Account Fees and Disclosures (the "Disclosures'; copy enclosed), a $charge will be assessed if an account is closed within days after openingOur review determined the $Early Closure Penalty was assessed in accordance with the DisclosuresHowever, KeyBank has mailed an official bank check in the amount of $in a separate mailing to the address on file as reimbursement of this chargeThank you for allowing us the opportunity to respond to your concernsPlease feel free to contact me at 1-800-539-(TTY/TDD 1-800-539-for our hearing impaired clients) if you have any questions or additional concernsI will be glad to assist you Sincerely, Colleen [redacted] Operations Leader KeyBank N.AEnclosures cc: Consumer Financial Protection Bureau Richard [redacted] , Executive Client Relations, KeyBank

KeyBankExecutive Offices Public SquareCleveland, OH 44144May 20, 2016Revdex.com Attn: Ms [redacted] Euclid Avenue, 4th Floor Cleveland, OH 44115-2408RE: [redacted] Revdex.com Case No [redacted] Dear Ms [redacted] :KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office by [redacted] We understand the importance of our client’s financial wellnessPlease be assured that KeyBank is committed to providing excellent serviceOn May 19, 2016, KeyBank responded to Ms [redacted] ’s concerns in writing Please be advised, in order for KeyBank to provide any additional information to the Revdex.com, KeyBank would need for you to provide us with the Release Authorization FormWe appreciate the opportunity to respond to Ms [redacted] ’s concerns with quality and integrityThank you for your consideration in this matter.Sincerely,Jewel J [redacted] Executive Client RelationsOffice of the President

(The following was copy/paste by Revdex.com staff - LST)***February 2, 2018Revdex.comAttn: Mr [redacted] ***Cleveland, OH 44115-2408RE: Mr [redacted] ***Revdex.com Case No [redacted] Dear MrT [redacted] KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office by *** [redacted] ***We understand the importance of our client’s financial wellnessPlease be assured that KeyBank is committed to providing excellent serviceOn February 1, 2018, KeyBank responded to MrB [redacted] in writing; a copy of the written response is enclosed for your review.We appreciate the opportunity to respond to MrB***’s concerns with quality and integrityThank youfor your consideration in this matter.Sincerely,Olivia MW***Executive Client RelationsOffice of the President ***February 1, 2018Mr [redacted] ***RE: KeyBank Platinum MasterCard Ending in [redacted] Dear MrB***:Thank you for taking the time to contact the Executive Offices of KeyBank National Association (“KeyBank”) with your questions and concerns about the banking service we provide to you.Our team has reviewed your concerns regarding your Credit Card payment arrangement.I would like to take this opportunity to apologize on behalf of KeyBank for any inconvenience that you may have experienced and for any frustration you felt as a result of this matterWe appreciate that you contacted us to attempt to resolve your concerns, and we truly regret if our service did not meet your expectationsWe at KeyBank are committed to providing great service that helps you make confident financial decisions.Please be advised KeyBank received the approved debt management arrangement for the Credit Card on September 5, 2017, however, the account statement had already been cut for that month indicating that interest was owedAs a result, the contractual arrangement made pursuant to the debt management arrangement did not satisfy the payment as indicated on the Credit Card statementPlease be assured KeyBank has since modified this payment to satisfy the arrangement agreed upon to make the account currentAdditionally, please note that KeyBank has removed the delinquency on your credit bureau reporting as a result of this matter.We know there are many banks you can choose to help you with your financial service needs, and we are grateful that you chose KeyBankWe look forward to continue to provide services that meet your banking needsPlease feel free to contact me at [redacted] for our hearing impaired clients) if you have any questions or additional concernsI will be glad to assist you.Sincerely,Karen O***Department Manager, OperationsCc: Olivia MW***Executive Client Relations, Office of the President

KeyBank Executive Offices Public Square Cleveland, OH February 6, MrTarek [redacted] [redacted] ** [redacted] RE: KeyBank Hassle-Free Account NoEnding in (the "Account") Dear Mr [redacted] Thank you for taking the time to contact the Revdex.com regarding your questions and concerns about the banking service provided to you by KeyBank National Association ("KeyBank")Our team has reviewed your concerns regarding the AccountIn review of this matter KeyBank has been able to determine that Debit card ending in was issued on December 17, and Debit Card ending in was issued on 01/16/Per the deposit agreement all bank customers are required to monitor their account activity and report any unauthorized activity in a ti mely mannerA review of the debit card activity is consistent with activity and useA further review determined that there were over months of debit card transactions that were not reported as unauthorizedIf you are now alleging that these debit card transactions were not authorized, please contact 1-800K EY2YOUYou will then be required to complete a f rand affidavit and police reportA copy of the transactions is enclosed for your reviewIn regard to the extended holds which may be placed on a deposited check, our general policy is to allow you to withdraw the funds deposited no later than the business day after the day of your deposit; however, in some cases we may delay your availability to withdraw those fundsKeyBank's Deposit Account Agreement and Funds Availability Policy (the "Agreement"), which I s given to all account holders upon account opening, detai Is this policyEnclosed is another copy for your reviewOur records show that a mobile deposit was made on April 15, in the amount of $and charged back on April 21, On June 2, a mobile deposit for $and $1,occurredOn June 6, a charge back in the amount of $1,of the funds from this deposit occurredSubsequently, on June 22, KeyBank closed the Account due to your deposit activity which included checks being returned as counterfeit and duplicate presentmentAdditionalIy, activity on the Account ending in (the "Account") has led to the determination that it was in the best interest of both parties to close this accountEffective June 22, 2016, the Account was closed as permitted under the KeyBank Deposit Account Agreement and Funds Availability Policy (the “Agreement”, copy enclosed) that you received at the time of Account Opening.We regret to advise that the information listed with [redacted] and the credit reporting agencies will not be deleted, as the information reported accurately reflected the situation that occurred with the Account and there has not been an error on the part of KeyBankPlease be advised that you have rights under state and federal lawsIncluded in these rights are:The right to obtain a free copy of your [redacted] consumer report if you make such a request to [redacted] within days of your receipt of this notice; andThe right to dispute the completeness or accuracy of any information contained in such report by notifying [redacted] directly of your dispute.You may contact [redacted] in writing at: [redacted] , Attn: [redacted] *** [redacted] *** or via facsimile at [redacted] or by telephone at [redacted] .Thank you for allowing us the opportunity to respond to your concernsPlease feel free to contact me at [redacted] (TTY/TDD [redacted] for our hearing impaired clients) if you have any questions or additional concernsI will be glad to assist you.Sincerely,Betty ***Executive Client RelationsOffice of the President

As required under the Financial Industry Regulatory Authority (“FINRA”) rules, Key Investment Services (“KIS”) is required to respond to all KIS customer complaints Ms [redacted] ***'s concerns have been forwarded to the appropriate parties within KIS and they will handle this matter going forward in accordance with industry rules KIS will reply directly to Ms***upon completion of their review

KeyBankExecutive OfficesPublic SquareCleveland, OH November 20, Revdex.comAttn: Mr [redacted] Euclid Avenue, 4th FloorCleveland, OH 44115- RE: Ms [redacted] Revdex.com Case No [redacted] Dear MrLou [redacted] * KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office by Ms[redacted] We understand the importance of our client’s financial wellnessPlease be assured that KeyBank is committed to providing excellent serviceOn November 20, 2017, KeyBank responded verbally to MsS***’s concerns Our review found on October 16, 2017, a letter was send to MsS [redacted] and her daughter advising them that KeyBank will be closing the account due to fact the relationship exposes excessive risk to the bank as permitted by the Deposit Account Agreement and Funds Availability Policy Enclosed for your review is a copy of the letter In regards to the check, our records indicate that on November 15, 2017, an Official Bank check in the amount of $was mailed to MsS***’s address that we have on file We appreciate the opportunity to respond to MsS***’s concerns with quality and integrityThank youfor your consideration in this matterSincerely, Jewel J [redacted] Jewel J [redacted] Executive Client RelationsOffice of the President Tell us why here

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below.As I stated before, this domino effect of overdraft charges was the result of Key Bank's fraudulent posting of my debits/credits (please refer back to my original complaint) and the lack of any communication regarding my so-called negative balance, which was never negative per the company's Key Bank iPhone app, which I check daily As I stated in a 1:email with ***, I would be more than happy to submit my cellular phone records, which will show that no overdraft text notification was sent to my phone, and my email records which show that no overdraft email was sent to me to notify me that these overdrafts were happeningNow, after the fact, I'm sure they've altered the records to show that those notices were sent, but I assure that I received nothing during this period in question I always get a text if my account falls below $and I always get an email the next day, if I have an overdraft notice....except somehow mysteriously during these transactions The only text notifications I received were notifications of the deposits I made to my account the previous days It boils down to big banks version of the story vsthe small customer's accurate depiction of what happened and we all know that the big bank is not going to admit any wrongdoing That's how they make their money and how they have SO much of that money They steal it from their "valued" customers I will not accept anything less than a $credit to my account Please let me know what other documentation you would like to see and I'd be happy to provide that for you If the Revdex.com cannot resolve this, I will escalate the situation and retain legal counsel to go after them for my measly $ Seems ridiculous to do have to do so for such a small amount to them (to me, it's a matter of being able to have electricity or food), but I cannot allow them to get away with this Regards, [redacted] ***

[redacted] ***April 16, Revdex.com [redacted] RE: [redacted] [redacted] KeyBank National Association ("KeyBank") is in receipt of a complaint filed with your office by [redacted] We understand the importance of our client's financial wellnessPlease be assured that KeyBank is committed to providing excellent serviceOn April 12, 2017, KeyBank delivered our resolution to [redacted] concerns verballyOur review found as [redacted] is not an owner of the Safety Deposit Box, we are unable to accept the key to the box without the proper legal documentationPlease be assured that Key has strict standards and procedures designed to prevent unauthorized access to informationWe apply these standards and procedures to our facilities and online servicesWe train our employees on the importance of confidentiality and the proper way to handle informationOnly those employees with a business reason to access information are authorized to do soIf employees do not follow our standards and procedures, we take appropriate disciplinary actionWe appreciate the opportunity to respond to [redacted] concerns with quality and integrityThank you for your consideration in this matterSincerely, Jennifer [redacted]