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

2016-10-11

Euclid, OH

False statements or representation

Debt collection: Auto

Attempted to collect wrong amount
Complaint: On XX/XX/2016 at approximately XXXX est I received a phone call from First Merit collections dept on a private number on my cell phone. I was unable to catch the woman 's name, but she proceeded to tell me that I have only been making partial payments for the past several months for our auto loan. When I informed her that information was untrue and offered to give her receipt numbers for the payments, then asked her where these extra charges are coming from she told me to hold for a moment while she listened to recorded conversations that I had had with XXXX other First Merit representatives who told me that if I paid {$340.00} by XX/XX/2016 that I would be current on the account that took place on XX/XX/2016 and also on either XX/XX/2016 or XX/XX/2016. After she allegedly listened to the recordings, she told me that the information that both representatives told me was wrong and that I owe them more money. When I asked what I owe them more money for she was not able to answer me aside from to tell me again that I was making partial payments. I explained again that I was only operating on the information that XXXX first merit representatives had given me, and that I plan to speak with the first merit office to correct the information. She told me they would not help me and only send me back to her and that one of the representatives had tried to call me back at the time when we initially spoke but I had no missed calls at that time and no messages left by anyone so I do n't believe that she was telling the truth. Then the collections representative would n't let me get off of the phone to go back to work until I had told her several times that I needed to go back to work and would have to deal with this at a later time. The caller also threatened to ding the account holder 's credit every day until I pay the amount they claim that I owe them. I have receipts to prove my payment dates and times for every payment since we got the loan.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-06

Bedford, TX

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-29

Margate, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-22

Owosso, MI

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-21

River Forest, IL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, IL XXXX ( XXXX ) XXXX On or about XXXX XXXX, I received a structured settlement of approximately {$500000.00} On or about XXXX XXXX, XXXX, I opened XXXX checking and a savings account at First Merit Bank. I opened the account at the First Merit branch location located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Initially I put {$140000.00} and withdrew {$55000.00} leaving a balance of {$90000.00} in Account # XXXX XXXX XXXX. See attached Statement dated XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I continued to make various deposits until XXXX XXXX. I believe I put in {$70000.00} additionally over the course of the years. In total, {$160000.00} was stolen from my account and is unaccounted for. In XXXX XXXX, XXXX, the teller, indicated that someone had closed my account without my consent. XXXX XXXX, Assistant Manager, asked if he could invest my money. I said no. I witnessed another customer crying because someone had taken {$20000.00} out of his account. XXXX indicated that he would investigate. He told me the investigation would take 3 months. I never heard back from him. But XXXX, surname unknown, a teller, later reported to me that XXXX bought a house in Florida and left the same week that my money went missing. XXXX reported that I was not the only customer whose money went missing. Over the years I have been complaining to employees at First Merit Bank. In XXXX XXXX, I complained to a person who said her name was XXXX surname unknown who indicated she was the Vice President of First Merit. She indicated that she would investigate. In XXXX XXXX, I went to First Merit, XXXX XXXX, Senior Client Champion, indicated that no one investigated my concerns over the years. I would like my {$160000.00} returned, and these allegations investigated. Sincerely, XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

Williamston, MI

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-08

Krakow, WI

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-26

Onekama, MI

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-26

Flint, MI

Taking/threatening an illegal action

Debt collection: Other (i.e. phone, health club, etc.)

Seized/Attempted to seize property
Complaint: 1st Merit closed my direct deposit checking account and sent it to collections for unpaid overdraft charges. The USPS sent 2 direct deposit payments to the closed account totaling XXXX. 1st Merit seized the funds directly for an obligation totaling XXXX instead of properly following Michigan debt collection law or establish a repayment plan.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-25

Milwaukee, WI

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: This complaint is in regards to First Merit Bank, which is currently merging with XXXX. I 've had an ongoing issue with the bank, which continues to charge excessive overdraft fees and rearranges the withdrawals on my account to incur larger penalties. I 've asked to opt out of the overdraft program, but I was told I could not opt out of the overdraft program when direct debates are made on the account. An example of the questionable tactics First Merit uses can be seen in the latest dispute I had with the bank concerning transactions that took place on XXXX/XXXX/2016. At the time I had {$35.00} in my account, and XXXX transactions occurred that day. The transactions were as follows, {$2.00}, {$4.00}, {$9.00}, and {$50.00}. Regardless of the transaction times, First Merit applied the highest charge first, which immediately overdrafted the account creating a {$35.00} fee. Then they subsequently charged me an additional {$35.00} overdraft fee for each additional transaction that occurred, for a total of {$140.00} in fees on {$67.00} in total transactions. While I admit the error that occurred in scheduling the {$50.00} deduction from my account that lead to the overdraft, the fact that First Merit stacks their transactions in a way that advantageously creates the scenario where they are more likely to incur higher fees from customers is troubling. In the last year, due to a serious of unfortunate events that have left me on a tight operating budget, my situation has been further escalated by First Merit who has taken hundreds of dollars out of my account through these practices. While at first they admitted the unfairness of their system and refunded {$70.00} in charges, any subsequent inquires on my behalf have been met with the notion that, 'because I know their system is unfair, any request for recompense on my part is negligible. ' Please look into these unfair practice, as no doubt they are fleecing more of their customers than just me.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-24

Kent, OH

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-19

Chatham, OH

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-12

Rock, MI

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: My primary bank is FirstMerit. My branch is located in XXXX, Michigan. FirstMerit recently added an online service with which one can transfer money into one 's account from another bank without a fee. Here is the problem. FirstMerit is making egregious use, in my opinion, of the float. This week I initiated a transfer from my account at XXXX Bank in XXXX, Mississippi. I initiated the transfer, through my FirstMerit website account, on XXXX XXXX. The money was debited from XXXX on XXXX XXXX. But, FirstMerit wo n't make it available to me until XXXX XXXX. In other words, they are getting the benefit of a four day float. I do most of my financial stuff on line, and I know that FirstMerit had my money on the XXXX ( everyone else, banks, credit cards, creditors, etc. manages to do same day transactions ). so, my complaint is that FirstMerit Bank is harming me by hanging on to my money for four days without justification. I can of course provide bank statements and documents to support these assertions. And, I have now observed this pattern repeatedly, as i have been making transfers for several months now and every one follows the same pattern.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Irving, TX

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-07-30

Columbus, OH

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-29

Barb, OH

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-27

Wonder Lake, IL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: This is an addendum to my initial complaint against FirstMerit Bank, ( they are in the process of becoming XXXX Bank ) XXXX. : XXXX : I just want to inform you that a month ago, I was informed that FirstMerit Bank in XXXX XXXX, IL actually had a security breach in the last quarter of 2015 XXXX XXXX through XXXX, 2015 XXXX and did not inform its customers until a month ago. I recently was informed when I tried to use my debit card and it was denied. I called the bank and was told that was due to a Security Breach back in XXXX and XXXX. This was the same timeframe in which my checking was being debited for numerous overdraft fees, which were erroneous. I knew that there had to be something erroneous happening. more than " our system is down '' right now, which is what they said when funds began disappearing from my checking account. They said that the system would be back up but they did n't know exactly. That " this happens ''. FirstMerit Bank replaced my old debit card with a new XXXX. This new debit card does not recognize " credit card '' purchases ; i.e., as a debit card holder, I can choose to have purchases processed as a " credit card ; '' and not as a debit card which would require my using a " pin '' number. Anyway, now when I use my " new '' card as a debit, it declines it and I have to call the bank ; I never get an text or email from FirstMerit as their Customer Service reps. say I should. They tell me that I will need to call them every time my debit card purchases are turned down to get the bank to approve the purchase, nor to me. My main point is that it appears that FirstMerit Bank did not disclose to you, on my initial complaint, that there was as Security Breach going on at the same time when their systems " went down. '' I just recently got informed of the Security Breach in XXXX and XXXX, 2015, about a month ago. Please reconsider my case. Thank you. Sincere, XXXX XXXX XXXX This new information should positively affect my case. Please consider it. Thank you.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-25

Euclid, OH

Deposits and withdrawals

Bank account or service: Checking account

Complaint: This is concerning my checking account with FirstMerit Bank. I deposited my payroll check for {$990.00} on Saturday, XXXX XXXX, XXXX. Today, Monday XXXX XXXX, XXXX, my funds are still not available for withdrawal. I called the bank and asked why this is the case, and XXXX the branch manager at the XXXX XXXX location in XXXX, Ohio told me that this is their policy and that it will be available tomorrow. If Saturday is a business day on which a check can be deposited into a bank, directly to a teller via their drive through ( not an ATM ), then it counts as the business day on which the check was deposited. Today would qualify as the business date after the date on which the check was deposited, and according to the Expedited Funds Availability Act of XX/XX/XXXX and Reg. CC, I should have AT LEAST {$200.00} available to me out of that check. Currently, my previous balance, not including my pay check, of {$57.00} is all that is available to me. FirstMerit Bank is violating federal law by withholding my money from me and I want them to stop doing this. None of the stated exceptions apply to my transaction - the check is not fraudulent, I have not overdrafted my account, the check is not being re-presented for cashing after not clearing, none of it. I do not have direct deposit available to me through my employer and I should not have to go to check cashing places and pay a fee when I have a perfectly good checking account.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-13

Bettendorf, IA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-12

Orion Twp, MI

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-07

CA

Fraud or scam

Money transfers: Domestic (US) money transfer

Complaint: On XXXX XXXX, 2016, I received a call from the Fraud Department for XXXX Bank XXXX notifying me of a fraudulent attempt to open a bank account in my name with my stolen personal information. After speaking with them, I immediately called XXXX Credit Reporting and froze my credit report accounts. On XXXX XXXX, 2016, I received written notification from XXXX, an on-line bill pay service provider in XXXX, OH, for XXXX Bank, that an on-line bill pay service account in my name had been frozen due to the fact that XXXX could not withdraw funds from " my '' XXXX Bank account in order to make payment to another financial institution. They said my on-line account had been frozen and gave me transaction details involving Firstmerit Bank in XXXX, OH. I have never done business with XXXX Bank, XXXX or Firstmerit Bank. I called XXXX and notified them of the fraudulent activity and they, in turn, told me to call Firstmerit Bank, which I did on XXXX XXXX, 2016. When I attempted to call Firstmerit Bank, they proved to be extremely uncooperative and explained that since my name was not associated with the account number provided, they could not discuss anything with me. I told the Customer Service Representative that I did not want account information but only to notify their Fraud Department of fraudulent activity associated with this account. I asked to speak to someone in their Fraud Department and the Customer Service Representative said they did not have a fraud department, which is incorrect. I asked to speak to a supervisor and when I asked that, she forwarded me to their fraud department, where I was only able to leave a voice message. They have not returned my call. I have filed a criminal report with the XXXX XXXX XXXX Department and the situation is currently being investigated. I wish to file a complaint against Firstmerit Bank for refusing to help resolve this situation.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-30

OH

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Firstmerit bank is moving items around in the bank account that is causing an over draft fee to be charged after the amount was put in to cover. On XXXX/XXXX/2016 I checked my bank account and showed I had {$17.00} and some change in the bank and all the pending charges had come out of the bank. When checking my account on XXXX/XXXX/2016 it showed that a check had come through after XXXX and caused the account to over draft, I went in that same day and put the money in to cover the amount and when checking my account it showed I was in the positive {$2.00} and some change. Well when checking my account this morning XXXX/XXXX/2016 all the items had been moved around causing the account to overdraft again last night costing me {$35.00} over draft fee. When I checked the account before bedtime last night I was still in the positive and after not using my card at all yesterday the charges that had come through XXXX/XXXX/2016 had been moved to XXXX/XXXX/2016. The way that they are showing in the account is that I had been using my card after the account was bounced but I even opted in to have it that I am not able to use my debit card if the amount that I am trying to buy is more than the amount in the bank. I contacted customer service and they had been no help, the representative was very short with me and did not want to help.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-23

Centerton, OH

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-17

Euclid, OH

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-17

Sm, KS

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response