Hey there. Dungeon Keys and Reward Passes get tied to the active account at the time of purchase, meaning by buying them on Steam before setting up cross-save, they got tied to your Steam game profile (may not even have any characters, that part doesn't matter). When you then cross-saved, and selected PSN as the Active account, that made your Steam game profile go dormant, and that too the passes with it - they do not transfer or duplicate to other accounts. If you'd cross-saved first and then bought the bundle, these would have been tied to PSN instead which is where you want them - the content is available no matter which system you actually play them on, ie on Steam. Bungie have a form you can use to get them transferred to the correct account in the above case, and have linked it in their response. However by deactivating cross-save, that has complicated things. Bungie may still be willing to transfer the passes to PSN but all cooldowns are mandatory, there is no way to reduce nor bypass them.