HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH

2017-06-13

Detroit, MI

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Untimely response

Untimely Response

2017-06-12

IL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: My HELOC w ith First Merit B ank termed out XXXX of 2016 an d at end of term First Merit sent a statement showing the total balance due. Seeing that I did not have over {$300000.00} on hand I called First Merit Bank for guidance. I was told by a representative to continue m aking monthly payments of {$1000.00} to at least cover the interest while they sort things out. I then received an alert on my credit report that I was being reported as late, even though I made {$1000.00} payments from XXXX 2016 - XXXX 2016. I then called the First Merit customer service line. The First Merit Bank representative told me several times the credit reporting would be reversed, yet each month things got worse not reversed. I talked to my branch contact XXXX XXXX who called customer service on my behalf many times. The n Huntington Bank took o v er First Merit Bank and now many of the personnel familiar with my situation are no longer employe d by Huntington Bank. Luckily my XXXX XXXX branch contact XXXX XXXX is still wit h Huntington B ank. XXXX has made and continues to make several phone calls and has also been told mulitple times that the reporting is being corrected. Huntington Bank has since given me a two year extension on my HELOC, yet at a higher interest. If I were 120 days past due why on earth would anyone extend credit to me? Internall y, Huntington Bank k nows my credit report is incorrect but any other potential lenders looking at my credit report do not know the facts.
Company Response: Untimely response

Untimely Response

2017-03-06

Chicago, IL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: I had a home equity line of credit with First Merit Bank now part of XXXX and recently closed it due to the sale of my condo. I was assessed an account closure fee of {$350.00} even though the schedule of fees did not include this fee. Buried in the language of the loan documents it said that they MAY charge an account closure fee. It did not state that they would charge a fee. I spoke to an individual that stated even though the language says they may charge a fee it is their practice to charge a fee. This language is extremely ambiguous as the institution can pick and choose who they want to discriminate against and charge this fee. Being a XXXX customer, I feel that I was unfairly discriminated against due to my XXXX background. Further I believe this to be a UDAAP violation as they are engaged in a deceptive practice indicating that they MAY charge a fee when they do charge it. A formal investigation should be opened against this institution and there should be a regulatory enforcement action against them.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-10

Fort Mill, SC

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-31

Akron, OH

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-24

Portage, OH

Credit decision / Underwriting

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-13

Detroit, MI

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-13

Chicago, IL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-03

Eldorado, WI

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-03

Galena, OH

Payoff process

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-12-22

Akron, OH

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt was paid
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-12-21

Cleveland, OH

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-15

Flushing, MI

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-14

Chicago, IL

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-14

Arlington, VA

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Complaint: I 've made multiple attempts to contact First Merit Bank to close out two CD 's that were opened by my late mother on which I 'm the named beneficiary. I 've spoken to XXXX and XXXX who have both asked for various identifying information and have made assurances that the CDs will be closed and a cashiers check will be forwarded to me. Yet every time I call to follow up with them concerning when I can expect the check to be sent they have an excuse about something they need before they can proceed. It 's been over a month since I initially contacted them and now they are informing me that they ca n't close out the accounts until the they have " court documents. '' Unfortunately they ca n't tell me what they actually need besides " court documents '' which is not helpful. I 've closed out similar accounts with other banks in the area without any issue and it 's unclear why First Merit it 's having issues. My biggest complaint is that XXXX has n't made a single attempt to contact me to resolve the issue and is typically " out to lunch '' whenever I call regardless of the time of day I call.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-13

Claiborne, LA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-12-06

Euclid, OH

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-22

Patmos, OH

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-10

Alexandria, VA

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-09

Westfield Ctr, OH

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-10-25

Williamston, MI

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-24

OH

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I am writing on behalf of my XXXX XXXX XXXX mother who has XXXX accounts at FirstMerit Bank in XXXX Ohio. The bank was recently acquired by XXXX Bank. XXXX sold off branches as part of the deal and any customer that supposedly had an account at a branch that was sold was being transferred to the acquiring bank which is XXXX XXXX. The XXXX XXXX branch was sold and my mothers accounts were included in the sale. Problem is she never opened an account at XXXX XXXX which is XXXX plus miles from her home. She was slammed into a branch that she never used I think to bolster a weak branch up for the sale and transfer to XXXX XXXX. My mother is not mobile and this puts an undue burden on her to do her banking. I and she wishes to keep her accounts at XXXX. I feel this was a sneaky and unfair, deceptive, and abusive action to benefit FirstMerit at the expense of an elderly and defenseless woman.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-22

Birch Run, MI

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I opened a second checking account with First Merit bank to keep money separate from my main account for personal reasons. I was charged an " Inactive Fee '' because I was not using this specific account enough. This fee was half the money in the account. I was in no way made aware they were going to take this fee because if I was I could have made an extremely small purchase to avoid it, but instead they just took my money. I also have no way to close this account without incurring additional fees.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-20

Westfield Ctr, OH

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-18

Akron Canton Region Airport, OH

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response