Logic One Computers

KeyBank Executive Offices Public Square Cleveland, OH July 18, Revdex.com Attn: Mr*** *** Euclid Avenue, 4th Floor Cleveland, OH 44115- RE:
*** *** Revdex.com Case No*** Dear Mr***: 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 July 18, 2017, KeyBank delivered our resolution 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, Jewel Jurgens Jewel J*** Executive Client Relations Office of the President

KeyBank Executive Offices Public Square Cleveland, OH June 9, 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 May 25, 2016, KeyBank responded to Ms***’s concerns via telephone. Our review has found that the overdraft-related service charges assessed to MsBryer’s account since May 9, were in accordance with Ms, *** having “opted in” to allow KeyBank to overdraw your Account for ATM and everyday debit card transactions, as well as KeyBank’s Deposit Account Agreement and Funds Availability Policy (the “Agreement”) and the Personal Checking Account Fees and Disclosures (the “Disclosures”), which are provided to all clients at account openingAs a gesture of goodwill, KeyBank refunded $to the account on May 13, 2016. We also provide Ms*** with copies of the Notices of Insufficient Funds and Charges to Your Account, which were made available to her since May 10, 2016[LS1] and illustrate how the account incurred overdraft-related service charges KeyBank posts items to Ms***’s deposit account within prior-day and current-day posting categories. Within these categories, we post ATM and debit card transactions based on the authorization date and time, and if the authorization date and time is not available we use settlement date and time. We post checks in check number order. For all other types of items within each posting category we post items from lowest dollar amount to highest dollar amount Please also note that until a transaction authorization is requested by the merchant, to whom clients provide their debit card information, KeyBank has no knowledge of their purchase. KeyBank has no control over when a merchant requests a transaction authorization. When the transaction authorization is requested, a pending transaction is placed on the account. When the actual charge is received from the merchant, the transaction is removed from the pending activity and the actual charge is posted to the account. That is the reason it is necessary for the funds to be in the account prior to making the purchase With regard to Ms***’s concerns regarding the text alerts, our review has found that the text alerts were sent to her to notify her regarding her account status, pursuant to the notification preferences she selected. Ms*** can also review the text alerts when she logs into her account via Online Banking at www.Key.com. Our review found that text alerts were being sent to Ms*** in accordance with her notification preferences 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*** Jewel J*** Executive Client Relations Office of the President [LS1]date of earliest od notice in question? adjust if not

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
Regards,
[redacted]

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 1:1 email with [redacted], 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 happening. Now, 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 $10.00 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 vs. the 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 $225 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 $225.00.  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]

You have asked for a copy of a contract.I was not a party to the contract. The contract was made between KeyBank and their customer who previously owned my house, but they should not have granted the loan because the house was listed for sale. This was in violation of their own underwriting procedures according to their personnel, and also a violation of good common sense. It resulted in my buying a house with a $50,000 mortgage on it, and a very severe risk to their own bottom line.There is no purchase contract that I would be a party to which would reference this loan.Asking me for detail on the loan contracts, when you know that I do not have them is a straw-man situation.I suspect you must be taking the part of Key Bank and not really trying to understand the mistakes and misjudgements, and errors of omissions by KeyBank and their customer, and how it negatively impacted me. Simple expedition, honesty, and communication are all that was required on their part.Please let me know what relevant document you think I would possibly have that would shed some light on the situation.KeyBank has already refused to provide because they say I "was not a party to their contract". So why would I have a copy then?TS

KeyBank Executive Offices 127 Public Square Cleveland, OH 44144     June 26, 2017     Revdex.com Attn: Mr. [redacted] 2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-2408     RE: ...

                 [redacted] Revdex.com Case No.[redacted] *   Dear Mr. [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 wellness. Please be assured that KeyBank is committed to providing excellent service. On June 19, 2017, KeyBank delivered our resolution to Mr. [redacted]’s concerns verbally.   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 integrity. Thank you for your consideration in this matter.   Sincerely,   Jeanette P[redacted] Jeanette P[redacted] Executive Client Relations Office of the President

KeyBank Executive Offices [redacted] Cleveland, OH 44144     December 8, 2017     Revdex.com Attn: Mr. [redacted] 2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-2408   RE:                  Mr. [redacted] Revdex.com Case No.[redacted]   Dear Mr. T[redacted],   KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office and the Attorney General of Washington by Mr. [redacted]  We understand the importance of our client’s financial wellness.  Please be assured that KeyBank is committed to providing excellent service.  December 8, 2017, KeyBank responded to the Attorney General of Washington and Mr. W[redacted] regarding his concerns in writing.  Attached for your review is a copy of our response.  Please be advised that KeyBank’s position remains the same.   We appreciate the opportunity to respond to Mr. W[redacted]’s concerns with quality and integrity.  Thank you for your consideration in this matter.   Sincerely,    Richard S[redacted]   Richard S[redacted] Executive Client Relations Office of the President

(The following was copy/paste by Revdex.com staff - LST)[redacted]My dispute is about all the fees they charged while investigating the account.  I paid over 900 in fees and I want at least some of that refunded to that account.

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]

May 16, 2016Revdex.com Attn: Ms. Aisha [redacted]2800 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 wellness. Please be assured that KeyBank is committed to providing excellent service. Please know that KeyBank has delivered our resolution to Mr. [redacted]’s concerns verbally.The criteria for qualifying for the $300.00 Cash Reward premium are detailed in KeyBank’s marketing materials promoting the offer. Banking is a highly regulated industry and KeyBank’s marketing strictly adheres to these regulations. The concerns regarding Mr. [redacted]’s experience have been addressed internally by all appropriate personnel. Pursuant to our conversation with Mr. [redacted], and as a gesture of goodwill, a credit in the amount of $300.00 was deposited to his Account on May 16, 2016.   We appreciate the opportunity to respond to Mr. [redacted]’s concerns with quality and integrity. Thank you for your consideration in this matter.Sincerely,Jewel J[redacted]Jewel J[redacted]Executive Client RelationsOffice of the President

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.
While it was discussed what KeyBanks requirements are in regard to needing a SSN or a TIN I will state again that my business was with [redacted] and the agreement that I had with them should be grandfathered onto KeyBank who subsequently bought [redacted] Bank. I will indicate that if I had an existing loan with [redacted] that I would still be required to make payments as per the agreement no matter who buys the pre-existing loan to which should also apply on any other product or service granted by my original agreement.I will remind you that I have 2 other US bank accounts and neither Bank of America or TD Bank in the US subjects foreigners to this type of scrutiny. As a customer if I make an agreement, I have an obligation to adhere to it, those same policies should apply to the institution itself. It begs the question of how they can change the rules as they see fit.
Regards,
[redacted]

[redacted]KeyBankExecutive Offices4910 Tiedeman Rd.Brooklyn, OH 44144April 26, 2017Mr. Amir [redacted]Dear Mr. [redacted]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.Please be advised that on May 18, 2016, the Accounts were 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. As stated in Section 16 of the Agreement, “We reserve the right to close any or all of your Accounts at any time for any reason.”Please be advised KeyBank takes discrimination claims seriously. I want to assure you that KeyBank complies with all Federal and State anti-discrimination law in addition to our own internal policies regarding discrimination. KeyBank does not discriminate against customers on the basis of age, race, color, religion, national origin, sex, sexual orientation, veteran status, disability, marital status, familial status (family size or childbearing intentions), and receipt of income from public assistance, or exercise of rights under the Consumer Credit Protection Act.In reviewing your concerns KeyBank determined that due to an internal processing error your statements were not changed from online access to paper statements. Upon becoming aware of this issue, KeyBank has corrected this and future statements will be forwarded to the above address. Subsequently, KeyBank has waived fees and interest incurred since May 2016. Please be advised that KeyBank is in the process of updating the credit bureau reporting from May 2016 to the date reflected above. This process can take over 30 days to complete.If you have additional questions regarding this letter, you may contact us at 1-800-539-2968 (TTY/TDD 1-800-539-8336 for our hearing impaired clients).Sincerely,Elizabeth [redacted]Department Manager, OperationsCc: Betty [redacted], Executive Client

KeyBankExecutive Offices 127 Public SquareCleveland, OH 44144  January 10, 2017  Revdex.com Attn: Ms. Nichole Means2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-2408  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 wellness. Please be assured that KeyBank is committed to providing excellent service. On December 23, 2016, KeyBank delivered our resolution to Ms. [redacted]’s concerns verbally. Our review found that due to an internal processing error, Ms. [redacted]’s loan payments were delayed in processing. Please know that upon discovery of this error, KeyBank immediately took corrective action and backdated the impacted payments to reflect as being effective as of their original dates of receipt. In addition, any late fees assessed as a result of this error have been waived. As a gesture of goodwill we are sending Ms. [redacted] $50.00 in Key Possibilities Cards, which can be used anywhere [redacted]® is accepted. We appreciate the opportunity to respond to Ms. [redacted]’s concerns with quality and integrity. Thank you for your consideration in this matter. Sincerely, Jewel J[redacted]Jewel J[redacted]Executive Client Relations Office of the President

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.
Regards,
[redacted]

(The following was copy/paste by Revdex.com staff - LST)[redacted]May 5, 2017Revdex.comAttn: Ms. Nichole [redacted]2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408RE: Betsy [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. Betsy [redacted]. We understand the importance of our client’s financial wellness. Please be assured that KeyBank is committed to providing excellent service. On February 14, 2017, KeyBank delivered ourresolution to Ms. [redacted]’s concerns verbally.Our review has 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 $123.24 in associated transactions and service charges that were incurred as a result of the fraudulent transactions.On January 10, 2017, the Account charged off with a negative balance owed to KeyBank in the amount of $1,241.31. On February 2, 2017, as a good will gesture, an Official Bank Check in the amount of $135.00 was provided to KeyBanks’ Overdraft Recovery department thus reducing the outstanding balance to $1,106.31.The additional charges that were assessed to the Account after November 10, 2016, were due to ACH transactions that she authorized. Please be advised, Ms. [redacted] is not claiming fraud on the ACH transactions. Subsequently, this request for additional reimbursement was denied. KeyBank is not able to refund overdraft and return item fees solely based on inconvenience and poor customer service. If there is any additional evidence that the Ms. [redacted] is claiming fraud with regards to the ACH transactions in question KeyBank would need to be notified of this as soon as possible so we may process an additional fraud claim for those transactions. Ms. [redacted] can contact our Fraud & Disputes Hotline at ([redacted].Please be assured that any incidents that are reported regarding poor customer service are reviewed and dealt with internally as customer service is at the upmost importance at KeyBank. All charges that were related to claims of the debit card fraud have been reimbursed to the client as the claim was found in her favor.With regard to payment arrangements toward the balance owed on Ms. [redacted]’s account, we kindly request that Ms. [redacted] contact [redacted] (“[redacted]”) by telephone at ([redacted].We appreciate the opportunity to respond to Ms. [redacted]’s concerns with quality and integrity. Thank you for your consideration in this matter.Sincerely,Janine [redacted]Executive Client RelationsOffice of the President

November 18, 2016 Revdex.com Attn: [redacted] 2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 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] 
[redacted]. We understand the importance of our client’s financial wellness. Please be assured that KeyBank is committed to providing excellent service. On November10, 2016, KeyBank responded to [redacted]’s concerns in writing. Our review found that KeyBank does not have a Social Security Number (SSN) or Tax Identification Number (TIN) on file for [redacted]. KeyBank requires this information to access our digital banking systems. We advised the client of this and recommended he consult with his tax advisor to review what options are available to him. Additional information regarding SSNs and TINs can be found online at www.SSA.gov and www.IRS.gov We appreciate the opportunity to respond to Mr. Zivanovic’s concerns with quality and integrity. Thank you for your consideration in this matter. Sincerely, Betty V[redacted] Betty V[redacted] Executive Client Relations Office of the President

KeyBank N.A.
Executive Offices
127 Public Square
Cleveland, OH 44144
September 3, 2015
Revdex.com
Attn: [redacted]
2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-2408
RE: ...

                 [redacted]
Revdex.com Complaint No. [redacted]:
KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office by [redacted]. Please be assured that KeyBank is committed to providing our customers excellent service and the circumstances surrounding [redacted]’s experience have been addressed internally.
Please be advised that KeyBank was able to speak with [redacted] and, after troubleshooting the error(s) encountered while attempting to perform maintenance to his Payee(s) in Online Bill Pay, we have confirmed that he is now able to do so without error. We are confident that [redacted] will be able to utilize Online Bill Pay without encountering this same error going forward.
Thank you for your assistance with this matter and for making us aware of [redacted]’s concerns. 
Sincerely,
Richard S[redacted]
Executive Client Relations
Office of the President

KeyBank Executive Offices 127 Public Square Cleveland, OH 44144 February 23, 2017 Revdex.com Attn: Ms. Nichole [redacted] 2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 RE: Wegner, [redacted] Revdex.com Case No. [redacted] Dear Ms. [redacted]: KeyBank National Association ("KeyBank") is in receipt of a complaint filed with your office by Mr. Tarek [redacted]. We understand the importance of our client's financial wellness. Please be assured that KeyBank is committed to providing excellent service. On February 22, 2017, KeyBank responded to Mr. [redacted]'s concerns in writing. I have enclosed a copy for your review. We appreciate the opportunity to respond to Mr. [redacted]'s concerns with quality and integrity. KeyBank does consider this matter closed. Thank you for your consideration in this matter. Sincerely, Betty [redacted] Executive CIient Relations Office of the President

KeyBank
Executive Offices
127 Public Square
Cleveland, OH 44114
 
 
 
October 22, 2015
 
 
 
Revdex.com
[redacted]
2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-2408
 
RE:                  [redacted]
                        Revdex.com Complaint No. [redacted]
             
[redacted]:
 
KeyBank National Association (“KeyBank”) is in receipt of a complaint filed with your office by [redacted]. Please be assured that KeyBank is committed to providing excellent service.
 
Please know KeyBank has been unsuccessful in our continued attempts to reach [redacted] by telephone.  As stated in our October 5, 2015 response to the Revdex.com, we regret that we have been unable to determine what specific issues he may be experiencing with KeyBank’s Online Bill Pay system, as our records show no internal errors or audit events that would prohibit his access.
 
Please know that KeyBank has mailed an additional copy of our October 5, 2015 letter to [redacted], which contains some possible alternate solutions for the issue he is experiencing. We are again advising at this time that [redacted] contact a member of KeyBank’s Online Banking Technical Support Team. The specific contact name and phone information has been supplied to [redacted] in both our October 5, 2015 letter, and the letter mailed to him today.
 
We appreciate the opportunity to respond to [redacted]’s concerns with quality and integrity. Thank you for your consideration in this matter.
 
Sincerely,
 
 
 
Richard S[redacted]
Executive Client Relations
Office of the President

(The following was copy/paste by Revdex.com staff - LST)[redacted]February 2, 2018Revdex.comAttn: Mr. [redacted]Cleveland, OH 44115-2408RE: Mr. [redacted]Revdex.com Case No. [redacted]Dear Mr. T[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 wellness. Please be assured that KeyBank is committed to providing excellent service. On February 1, 2018, KeyBank responded to Mr. B[redacted] in writing; a copy of the written response is enclosed for your review.We appreciate the opportunity to respond to Mr. B[redacted]’s concerns with quality and integrity. Thank youfor your consideration in this matter.Sincerely,Olivia M. W[redacted]Executive Client RelationsOffice of the President [redacted]February 1, 2018Mr. [redacted]RE: KeyBank Platinum MasterCard Ending in [redacted]
Dear Mr. B[redacted]: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 matter. We appreciate that you contacted us to attempt to resolve your concerns, and we truly regret if our service did not meet your expectations. We 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 owed. As a result, the contractual arrangement made pursuant to the debt management arrangement did not satisfy the payment as indicated on the Credit Card statement. Please be assured KeyBank has since modified this payment to satisfy the arrangement agreed upon to make the account current. Additionally, 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 KeyBank. We look forward to continue to provide services that meet your banking needs. Please feel free to contact me at [redacted] for our hearing impaired clients) if you have any questions or additional concerns. I will be glad to assist you.Sincerely,Karen O[redacted]Department Manager, OperationsCc: Olivia M. W[redacted]Executive Client Relations, Office of the President