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You can opt out of this issuer's forced arbitration
deadline ≈ 60 days
Keybank National Association's agreement lets you reject arbitration and keep your right to sue — usually within 60 days of opening the account. You have to send it in writing. Here's the language from the filed agreement:
“…Claims (as defined below) may be arbitrated instead of litigated in court. This Arbitration Provision supersedes and replaces any existing arbitration between you and us. b. Opt-Out and Rejection Notice. You have a limited right to opt-out of this Arbitration Provision. If you do not follow the opt-out procedures set forth in this section exactly, the Arbitration Provision section will apply. This Arbitration Provision will apply to this Account unless you notify us in writing that you reject the Arbitration Provision within 60 days of opening this Account. Send your rejection notice to KeyBank N.A., PO Box 93752, Cleveland, Ohio 44101-5752. Your notice must be legible and include your name, the names of any joint Account holders and the Account number(s), the last four digits of your card number, the date of your notice, your address (street, city, state and ZIP code), your daytime tel…”
“…arbitration provision between you and us. This Arbitration Provision will apply to the Account(s) unless you notify us in writing that you reject the Arbitration Provision within 60 days of opening the Account(s). Send your rejection notice to KeyBank N.A., PO Box 93752, Cleveland, Ohio 44101-5752. Your notice must be legible and include your name, the names of any joint account holders and the account number(s), the last four digits of your card number, the date of your notice, your address (street, city, state and ZIP code), your daytime telephone number, and must be signed by at least one of the joint account holders. Your rejection notice should not include any other correspondence. Calling us to reject the Arbitration Provision or providing notice by any other manner or format than as described above will not operate as a rejection of this Arbitration Provision and consequently thi…”
“…2) HAVE A JURY TRIAL, AND/OR (3) INITIATE OR PARTICIPATE IN A CLASS ACTION. THIS ARBITRATION PROVISION SUPERSEDES AND REPLACES ANY EXISTING ARBITRATION PROVISION BETWEEN YOU AND US. Opt-Out and Rejection Notice. You have a limited right to opt-out of this Arbitration Provision. If you do not follow the opt-out procedures set forth in this section exactly, the Arbitration Provision section will apply. This Arbitration Provision will apply to this Account unless you notify us in writing that you reject the Arbitration Provision within 60 days of opening this Account. Send your rejection notice to KeyBank N.A., PO Box 93752, Cleveland, Ohio 44101-5752. Your notice must be legible and include your name, the names of any joint Account holders and the Account number(s), the last four digits of your card number, the date of your notice, your address (street, city, state and zip code), your dayt…”
Detected in the CFPB-filed cardholder agreements from Keybank National Association. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Forced arbitration
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…which is identified as presenting a high risk of fraud. Please call 1-800-KEY2YOU for the current list of countries where Charges are restricted. 16. ARBITRATION PROVISION This Arbitration Provision will not apply to new accounts opened on or after October 3, 2017 by Covered Borrowers as such term "Covered Borrower" is…”
“…f other information has us updated financial information changed. about you, and you agree to do so. ARBITRATION AND WAIVER OF JURY TRIAL RIGHTS This Arbitration Provision will not apply to new accounts opened on or after October 3, 2017 by Covered Borrowers as such term "Covered Borrower" is defined by the Military Len…”
You waive your right to have a dispute heard by a jury.
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“…also ask you to provide number of other information has us updated financial information changed. about you, and you agree to do so. ARBITRATION AND WAIVER OF JURY TRIAL RIGHTS This Arbitration Provision will not apply to new accounts opened on or after October 3, 2017 by Covered Borrowers as such term "Covered…”
The issuer reserves the right to change your rates, fees and terms at any time.
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“…d Cards. g. "you," "your," and "yours" means any person who applied for the Account and any other person liable on the Account by any other means. 2. Changes to the Terms or Program. a. Generally. We may make changes to the Program, and these Terms, at any time. For example, we may: Add new terms or delete terms Change how you earn Cashback Rewards Change how you use or redeem your Cashback Rewards We may al…”
“…extent state law is applicable, the laws of the state of Ohio, and these laws will apply no matter where you live or use this Account. Amendments We may change or terminate all or any part of this Agreement, including APRs and fees, at any time. We may also add new terms or delete terms. Any changes will be in accordance with applicable law, and we will provide notice as required by law. Ass…”
The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.
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“…a Claim or Claims (as defined below) may be arbitrated instead of litigated in court. This Arbitration Provision supersedes and replaces any existing arbitration between you and us. b. Opt-Out and Rejection Notice. You have a limited right to opt-out of this Arbitration Provision. If you do not follow the opt-out procedures set forth in this section e…”
“…y existing arbitration provision between you and us. This Arbitration Provision will apply to the Account(s) unless you notify us in writing that you reject the Arbitration Provision within 60 days of opening the Account(s). Send your rejection notice to KeyBank N.A., PO Box 93752, Cleveland, Ohio 44101-5752. Your not…”
“…O COURT, (2) HAVE A JURY TRIAL, AND/OR (3) INITIATE OR PARTICIPATE IN A CLASS ACTION. THIS ARBITRATION PROVISION SUPERSEDES AND REPLACES ANY EXISTING ARBITRATION PROVISION BETWEEN YOU AND US. Opt-Out and Rejection Notice. You have a limited right to opt-out of this Arbitration Provision. If you do not follow the opt-out procedures set forth in thi…”