KeyBank, Review

in my opinion don't apply for a loan now with the agent working there now.p
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by ashockedcustomer, May. 17, 2024

i called to see about getting a loan, i explained i had a small existing loan that would be paid off when it was approved. they said that they don't give a loan when someone has a existing loan.i explained i had gotten 10-12 loans and have built my credit score up "832" over 3 decades and i know that if i pay off the existing loan and set up auto payment  to the bank it'll be approved. they set up a meeting. I went in and did it, only to get home and find 3 errors.so i called and they had me go back the next day to get home and find 2 more errors. neither had paying off the existing loan, which i told them that would cause an automatic denial.i called back and spoke the the manager,i explained what had happened and was told the 2 would be amended and she would put it in correctly.i waited and found out it was approved and all i had to do was go in and sign for. I went in and signed for it. they paid off my existing loan and put the remainder in my checking account. THIS IS WHERE IT GOT CRAZY. i got home and noticed my credit score had dropped 30 points. i called to ask why that happened to be told it goes down when yoi apply for a loan. i said not 30 points, i told her i was going to check into it. then the TRUTH came out. she said oh it would drop for getting a DENIAL. that was NEVER told to me until they had to explain my score dropping that much.in my opinion she covered for his messing up what i told him and her i DON'T want to happen.so now i have a denial on my record and my score dropped 30 point ruining my 3 decades of building it up for now and my future plans. she admitted multiple errors on their part, and once its put in the records you can't really do anything about it. she asked how they could make it up many time, but how do you make up for that. again in my opinion i don't recommened you get a loan there

* this reviewer has be with this bank for >10 years
* this reviewer had 1 - 2 banks before.
* this review was made on KeyBank, POTSDAM BRANCH at Potsdam, NY
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