KeyBank

I, Thomas Seeger III, have a checking account with KeyBank and an issue came up where there was an unauthorized transaction an my account. After contacting the merchant to try to resolve the issue, I filed a dispute with KeyBank. The merchant was an out of state car rental place. I was obtaining a quote and to get the quote I had to create an account with the car rental place as well as provide my card information.
KeyBank did a 30 day investigation and said that the transaction was authorized. KeyBank received a fax from the merchant which had a confirmation number along with personal information. The card was not present, there was no signed contract with the merchant, the PIN was not used, nothing. When I asked KeyBank how they made their determination, I was told that because the merchant provided KeyBank with my wife's name, mind you this is not a joint account nor is she a cardholder on the account, my address, and my card number that the transaction must be authorized. On top of the transaction being unauthorized, services were not rendered.
KeyBank would and will not do anymore with this unauthorized charge. I am sick to my stomach as it is a $391.42 charge. I would not recommend this financial institution to anyone. They are not out to help and protect their customers.