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(The following was copy/paste by Revdex.com staff - LST)***KeyBankExecutive Offices*** *** ***Cleveland, OH 44144November 10, 2017Revdex.comAttn: *** *** ***Euclid Avenue, 4th FloorCleveland, OH 44115-2408RE: *** *** Revdex.com Case No***Dear MrT***KeyBank National
Association (“KeyBank”) is in receipt of a complaint filed with your office by *** ***We understand the importance of our client’s financial wellnessPlease be assured that KeyBank is committed to providing excellent serviceOn November 9, 2017, KeyBank responded to Mr. F* in writing and requested that he contact our office so we may further assist with his concerns.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 MrF*’s concerns with quality and integrityThank you for your consideration in this matter.Sincerely,Cheryl Lyne R***Executive Client RelationsOffice of the President

KeyBank Executive Offices Public Square Cleveland, OH October 5, Revdex.com Attn: Ms*** *** Euclid Avenue, 4th Floor Cleveland, OH 44115- RE:
*** *** Revdex.com Case No*** & *** Dear Ms***: KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office by Ms*** ***. We understand the importance of our client’s financial wellnessPlease be assured that KeyBank is committed to providing excellent serviceOn September 13, 2016, KeyBank responded to Ms***’s concerns in writing. Enclosed please find a copy of the letter sent to Ms*** addressing her concern We appreciate the opportunity to respond to Ms***’s concerns with quality and integrityThank you for your consideration in this matter Sincerely, Jewel J*** Executive Client Relations Office of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, my response to theirs appears below
First, it's incredibly offensive that I am referred to as "Ms." and "she", etcI am a maleMy complaint says "Mr."(!), as in, maleA 10-second Google search can return my Facebook or LinkedIn profile, but I do not understand why someone who think my name is female in the first placeI literally do not recall whether that has ever happened in my entire lifeWith attention to detail like that, it's no wonder I have not been able to get anywhere with customer service, which brings me to my second issue.I have already attempted to contact KeyBankThey cannot or will not evaluate the situationRather, they just respond without analysisThey do not have any interest into looking into what is happening, nor does it seem like they careI suppose the response I received here illustrates this disinterest in their customers. It's only increasingly infuriating that they refuse to remedy the situation by sidestepping the issue and requiring, suddenly, and authorization form Regards,
Levi ***

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Key Bank Investments was giving permission to discuss my fathers annuity account with either of his daughters, *** *** and *** *** We are both financial POA's That permission was given to Debbie S*** KIS verbally over the phone on 8/22/ Debbie S*** called my father who gave permission via speaker phone with a witness Key Bank Investments had been talking and working with me directly until 9/8/ Because they appeared to be ignoring us I reached out to you the Revdex.com They have made no attempt to call or get a written release if that is what they needed It feels like this is another tactic to hope we will go away. We wish to pursue this complaint and want Key Bank, Key Bank Investments and KeyCorp to be held responsible for fiduciary requirements They have been negligent with our accounts and files and they need to address the issues.*** ***

KeyBank Executive Offices Pub**c Square Cleveland, OH May 26, Revdex.com Attn: Ms*** *** Euc**d Avenue, 4th Floor Cleveland, OH 44115- RE:
*** ** Revdex.com Case No*** Dear Ms***: KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office by Mr*** **. We understand the importance of our c**ent’s financial wellnessPlease be assured that KeyBank is committed to providing excellent serviceOn May 11, 2016, KeyBank responded to Mr**’s concerns in writing. Our review found starting in October through April 2016, Mr**’s account received a $monthly maintenance fee because his overall relationship balance no longer met the minimum amount required to have the fee automatically waived. Our records show that Mr** did contact KeyBank previously to request the account be downgraded in order to avoid the monthly maintenance fee. Unfortunately, due to an internal processing error the account was not changed as he had requested. In early May 2016, Mr**’s account was changed and KeyBank refunded all the $monthly maintenance fees that were charged to his account We appreciate the opportunity to respond to Mr**’s concerns with quality and integrityThank you for your consideration in this matter Sincerely, Richard S*** Executive Client Relations Office of the President

Dear, Revdex.com,
The August 17, statement provided by KeyBank, is a statement. The statement language questioned, hereby appropriately notated, as:* Make one (1) direct deposit, in the amount of $or morewas dishonestly changed, after *** ** ***'s account was opened. With Sincere Appreciation,
*** ** ***

KeyBank KeyBank N.ASCuster Drive Dundee, MI 48131 September 23, 2016 Mr*** *** *** *** *** *** *** *** *** *** ** *** Re: Dear Mr***,*** *** Ann Arbor, MI Revdex.com Case No*** CFPB Case No*** Key Express Checking
Account ending in (the "Account") Your concerns addressed with Revdex.com and the Consumer Financial Protection Bureau have been forwarded to my attention for review and responseThank you for taking the time to make us aware of your concerns. On behalf of KeyBank National Association ("KeyBank"), I regret any inconvenience you have experienced and any frustration you may have felt since these concerns arosePlease be assured that KeyBank is committed to providing excellent service. According to our records, you had opened your Account online, and it was established with an effective date of August 22, In review of the recently opened Account, KeyBank had decided it was in our best interest to close the Account on August 24, KeyBank's decision to close the Account is pursuant to Section of the Deposit Account Agreement and Funds Availability Policy (copy enclosed) and states, in part: "We reserve the right to close any or all of your Accounts at any time for any reason whatsoever..." In receipt of your request, we have re-reviewed our decision to close the Account and we have agreed to re-open your AccountPlease be advised, KeyBank was notified on September 13, that you had recently disputed the $transaction with your originating bank and we have since sent the $back to you via ACHIf you would like to maintain the Account, please be sure to make an opening deposit of at least $by October 22, If a deposit is not made by this date, the Account will automatically be closed due to lack of funding. We understand that you opened your Account on August 22, with a marketing promotion offering $cash bonusThe criteria for qualifying for the $promotion are detailed in the KeyBank's marketing materials promoting the offerBanking is a highly regulated industry and KeyBank's marketing strictly adheres to these regulationsAs stated in KeyBank's advertising literature promoting the offer (copy enclosed), in order to receive the promotion reward, the following must be met: • Make one (1) direct deposit of at least$within days after Account openingDirect deposit transactions are limited to: payroll, social security, pension and government benefitsSince we re-opened your Account, we have, extended the duration of time you have to meet the requirements until days from the date of this letter as opposed to days from Account opening, which was August 22, Please be advised.that the promotional gift will be deposited to your Account within days of meeting the requirementsAccounts overdrawn or closed at time of fulfillment are not eligible for the giftIn 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 me at (734) 823-(ITY/TDD for the Hearing Impaired: 1400-539-8336)11you have any questions or additional concernsI will be glad to assist you. Carmen Whitwam Operations Leader KeyBank N.A. Enclosures cc: Revdex.com Ccmsumer Financial Protection Bureau Lisa Bove, Executive Client Relations, KeyBank

(The following was copy/paste by Revdex.com staff - LST)***November 22, 2017Revdex.com Attn: Mr*** ***Euclid Avenue, 4th Floor Cleveland, OH 44115-2408RE: *** ***Revdex.com Case No***Dear MrT***KeyBank National Association (“KeyBank”) is in receipt of a
complaint filed with your office by *** *** 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 MrL***’s concerns. Our review found that MrL*** was not enrolled to receive e-statements for the Health Savings Account, which resulted in a monthly paper statement feeWe have confirmed that going forward, the client will receive his statements electronically and he will not be assessed this feeFurthermore, as a gesture of good will, KeyBank has refunded the four most recent paper statement fees.We appreciate the opportunity to respond to MrL***’s concerns with quality and integrityThank you for your consideration in this matter.Sincerely,*** ** ***Executive Client RelationsOffice of the President

KeyBank Executive Offices Public Square Cleveland, OH March 9, Revdex.com Attn: Mr*** *** Euclid Avenue, 4th Floor Cleveland, OH 44115- RE:
*** *** Revdex.com Case No*** Dear MrT*** KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office by *** *** We understand the importance of our client’s financial wellnessPlease be assured that KeyBank is committed to providing excellent serviceOn March 9, 2018, KeyBank delivered our resolution to MsR***’s concerns verbally Please be assured that KeyBank is committed to providing excellent service and our client’s concerns regarding her experience have been addressed internallyWe regret any inconvenience or frustration this may have caused our client In regards to our client’s verification concerns, please be advised all customers are subject to identity verification requirementsIn all cases, KeyBank is committed to protecting the privacy and identity of each of its customers We appreciate the opportunity to respond to MsR***’s concerns with quality and integrityThank you for your consideration in this matter Sincerely, Jeanette P*** Jeanette P*** Executive Client Relations Office of the President

KeyBankExecutive Offices Public SquareCleveland, OH 44144January 21, 2016Revdex.com Attn: MsAisha ***Euclid Avenue, 4th Floor Cleveland, OH 44115-2408RE: ***
***Revdex.com Complaint No***Dear Ms***:KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office by Ms*** ***. We understand the importance of our client’s financial wellnessTo ensure compliance with the Electronic Funds Transfer Act (Regulation E), ACH returns must be processed by the Receiving Bank, in this case KeyBank, within hours of settlement. When an ACH transaction has not been completed, as in your case due to the Account closure, the consumer has sixty (60) days, upon notification, to file a dispute with their Originating Bank. Please be advised that after the expiration of days and non-release of the funds, KeyBank released the funds and returned them back to the originating bankThis prevents the consumer from benefiting from both the originating bank and KeyBank. Our records show that $was returned to the originating bank on December 28, This process typically takes 3-business days for the funds to post back to a client’s account Please know that KeyBank also responded to Ms***’s concerns in writing on December 24, 2015.We appreciate the opportunity to respond to Ms***’s concerns with quality and integrityThank you for your consideration in this matter.Sincerely,Jewel J***Executive Client RelationsOffice of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear belowThey have repeatedly ignored my statementI was a victim of a fraudulent check scam and a representative of theirs suggested I deposit the check to "see if it works"I myself did not manufacture or procure this check in any wayI simply received it in the mail and knowing I am owed money from several different sources I was not willing to just throw it away because it was from an anonymous sourceWho just throws away over $1,000? Not I.Regards,
Tarek ***

KeyBankExecutive OfficesApril 1, 2016Revdex.comAttn: Ms*** ***Euclid Avenue, 4th FloorCleveland, OH 44115-2408RE: ***
*** Revdex.com Case No*** Re: the “Loan”Dear Ms***: KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office by Ms*** ***On March 11, 2016, KeyBank verbally responded to Ms***’s concernsWe understand the importance of our client’s financial wellnessIn regard to Ms*** not being able to view her statements online, we offer the following: KeyBank was recently made aware of bankruptcy that was discharged July 22, Per bankruptcy regulations KeyBank is required to cease all attempts to collect on the debt for the LoanPlease know that we have received the written and signed consent from Ms*** to have the statements reinstated. The February and March statements have been sent to Ms*** via FedEx. Ms*** will once again begin receiving statements electronically with the April statement.We appreciate the opportunity to respond to Ms***’s concerns with quality and integrityThank you for your consideration in this matterSincerely, Karen O***VP & Department ManagerCC: Jeanette P***, Executive Client relations, Office of the President

KeyBankExecutive Offices Public SquareCleveland, OH 44144 October 16, 2017 Revdex.com Attn: *** *** ***Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 RE:
Mr*** ***Revdex.com Case No*** Dear Mr***: KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office by Mr*** ***. We understand the importance of our client’s financial wellnessPlease be assured that KeyBank is committed to providing excellent serviceOn October 16, KeyBank responded to Mr***’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 Form We appreciate the opportunity to respond to Mr***’s concerns with quality and integrityThank you for your consideration in this matter. Sincerely, *** ***Executive Client RelationsOffice of the President

(The following was copy/paste by Revdex.com staff - LST)***July 27, 2017 DOUGLAS A *** *** *** *** * *** *** *** ** *** RE: Closed Credit Card Account NoEnding in (the "Account") Dear Douglas A ***: Recently, you received a July credit card billing statement for a
credit card account that you had closedI want to assure you this statement was sent by mistake, that the account is closed and that the account does not have a balanceI can also assure you that this error will not result in a credit bureau report. On behalf of KeyBank, please accept my apology for any concern or inconvenience caused by this issueIf you have any additional questions or concerns, please feel free to contact us at 1-800-KEY2YOU (TTY/TDD for the Hearing Impaired: 1-800-539-8336) and we will be glad to assist you. Sincerely, Mitchell L*** Senior Vice President, Credit Card

---------- Forwarded message ----------From: *** *** Date: Fri, Oct 14, at 11:AMSubject: Authorization for Release of Information Complaint ID ***To: ***@cleveland.Revdex.com.orgGood morning ***,The bank has finally responded to my case and recognized it was an internal bank issue, they have corrected the error after a month of struggle. The issue with the bank is now closed, but I wanted to send you the authorization so that the Revdex.com can document the resolution history in your filesI'm hoping Key Bank doesn't do this to anyone ever **ain as we experienced a full month of stress and frustration that I don't want anyone else to experience.I want to thank you for your service and wish you a great weekend.Sincerely,*** ***Complaint ID ***

Our office is in the process of drafting a response for the Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** *** Attached are copies of the agreement and the direct deposit I have made to KeybankAccording to the agreement, and what Nedim L*** and the manager Troy F** told me, I had to make $within days from direct deposit in transactions from: payroll, social security, or pension government benefits, and debit card transactions to get $They also started that the the deposit of $did not have to be made at time. The above attachment shows that I did direct deposit $within days of opening the account

(The following was copy/paste by Revdex.com staff - LST)***February 13, 2018Mr*** *** *** *** ***
*** ** ***RE: KeyBank Hassle-Free Account NoEnding in *** *** ***Dear MrS***:Your concerns which you forwarded to the Revdex.com on January 25, 2018,
have been forwarded to the Executive Offices of KeyBank National Association (“KeyBank”) with your questions and concerns about the banking service we provide to you.Please be assured that KeyBank values you as a client and is committed to providing you with excellent service. We regret any inconvenience or frustration that you may have experienced since your concerns arose.Our team has reviewed your claim regarding the missing balance of your direct deposit checkOur review has found the Account was charged off on December 22, with an amount owed to KeyBank of $The remaining balance was sent to the address which KeyBank had on fileOur records show you contacted KeyBank Collections on January 29, advising you had not received the overage checkAt that time you were advised KeyBank was sending an Indemnity Agreement for you to complete and fax back.Further review shows on February 8, 2018, you contacted KeyBank Collections advising you still had not received the Indemnity AgreementReview found this was issued to the address KeyBank had on file which had not been updatedThe address has since been updated and once KeyBank receives the signed, notarized Indemnity Agreement from you, KeyBank will proceed to have the check reissued and sent to the new address.Thank you again for taking time to contact KeyBankWe appreciate your business and look forward to continuing to working with youIf you have any additional concerns please feel free to contact us at *** *** *** *** *** *** ***)We will be glad to further assist you. Sincerely,Karen O***Department ManagerOperationscc: Jeanette P*** Executive Client Relations, Office of the Presiden

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