HUNTINGTON NATIONAL BANK, THE

2018-07-05

Indianapolis, IN

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: Good Afternoon, I am traveling overseas and I am having days worth of trouble accessing my account. I have spent time on multiple phone calls costing me money on having payments declined and also blocked access to my account. I am in XXXX and their app and Huntington bank website access is blocked. I just got off the phone with Huntington Bank Customer service trying to gain access and info to my account and the phone rep told me there is nothing they can do and I need to give my bank information and account access to a third party in order to transfer money or pay my bills because they claim the govt is blocking access to my account from the country of XXXX. This is unheard of. I have access to XXXX XXXX XXXX, XXXX XXXX as well as my XXXX card. I have my hands tied as far as paying bills, my mortgage and even knowing what has been processed through my account. I gave them notice multiple times that I would be traveling here and I've had to call numerous times to unblock my card and now they are saying there is nothing they can do all of a sudden.
Company Response: Closed with explanation

Timely Response

2018-07-05

Columbus, OH

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-07-03

MI

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: On XX/XX/2018 my XXXX and I inquired via phone with Huntington Bank about applying for a HELOC. We were encouraged to go in person to a local branch to discuss our options. We met XXXX ( branch manager ) who explained a few different options, and that the loan he was considering for us required a XXXX credit score. We were instructed to send pay stubs and proof of homeowners insurance, which we provided via email on XX/XX/XXXX. We did not complete any paperwork at the bank, nor did we sign an application. On XX/XX/XXXX we received an email that referenced some disclosures attached, but when we attempted to open the attachment file, it was empty. My XXXX had opened the file and noticed documents ; however, they were removed before I could look at them. I emailed XXXX on XX/XX/XXXX to further inquire about the possible loan options and he never responded. We contacted XXXX 's supervisor who informed that we were denied due to low credit scores and late credit card payments, but that XXXX was looking into other options for us. I let the supervisor know that my XXXX 's credit score is XXXX which seemed sufficient for the loan we were told about, and he said that we needed a XXXX score for the loan product. Further, we have no late payments on our credit cards. We have never received any paperwork or proper disclosures regarding this adverse action, nor did we sign any documents providing Huntington permission to run our credit. We are wondering if this is a RESPA violation, an ECOA violation or a combination of both.
Company Response: Closed with explanation

Timely Response

2018-07-03

Castle, PA

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2018-07-02

Columbus, OH

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Closed with explanation

Timely Response

2018-07-01

Alpharetta, GA

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2018-06-30

Euclid, OH

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: XXXX incorrectly charged my Huntington checking account when making a purchase ( I was never prompted in XXXX to select the account to charge, and they didn't use my default payment method ). I called XXXX to resolve the issue, but they informed me that they could not refund the amount charged and that I needed to dispute the ACH transaction with my bank. I called Huntington to dispute the ACH transaction. I was out of the country for a week and Huntington has cancelled the dispute since I was unable to respond fast enough. I have provided the requested paperwork and called, but the overdraft fees and the ACH dispute still haven't been resolved.
Company Response: Closed with explanation

Timely Response

2018-06-29

NY

Closing an account

Checking or savings account: Checking account

Can't close your account
Complaint: I moved from XXXX to XXXX in XXXX. I opened a bank account under Huntington National Bank because there were 0 XXXX XXXX XXXX XXXX in the state of XXXX. I moved back to XXXX and closed the account in XX/XX/XXXX. They even sent me a check for the remaining balance in my account! But twice the bank has called randomly demanding {$150.00}? And saying that my closed account I literally can not even view anymore has insufficient funds and piling up late fees. Im furious. Ive called 8 times and everytime someone assures me the it should be fixed now. Ive absolutely had it, and know 200 % I owe them nothing. This is a complete scam and Im literally not tolerating it for another minute.
Company Response: Closed with monetary relief

Timely Response

2018-06-29

Grosse Ile, MI

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Complaint: On XX/XX/2018, I was victim of fraudulent activity on my account. I will take you through what happened, what the process has been, and why I am sending this complaint to you. I received a phone call from a Huntington representitive asking if I had made some large purchases at XXXX and XXXX XXXX ( in another state ). I told him no, I do not shop there/live there and did not approve or make those charges. He told me he would close my debit card, and that the charges were still pending and would not go through. Later that night, I checked my bank account, and I had {$0.00} in my checking account. More charges had been made and not caught, or my account was never shut down like the rep said on the phone. The charges are the following : XXXX XXXX XXXX XXXX XXXX - {$490.00} XXXX XXXX XXXX XXXX XXXX - {$670.00} XXXX XXXX # XXXX XXXX - XXXX None of these purchases were made or approved by me. These purchases drained my checking account entirely, and started drawing money from my savings account. From XX/XX/XXXX, to XX/XX/XXXX, I have been calling/chatting online daily with Huntington to try to track progress of this fraudulent activity, and to find out when I could expect my refund. I was initially told 5-10 days. When I called last Thursday ( XX/XX/XXXX ), I was told the money should be in my account on Friday, XX/XX/XXXX. It was never deposited on Friday. So I called again on Friday, and I was told to look out for the refund on Monday, XX/XX/XXXX. When I got in touch with a representitive today ( XX/XX/XXXX ), I was told the case was denied and closed ... that a letter was sent to me explaining the reasonings. This is absolutely unacceptable. I have been a loyal customer at Huntington Bank for over 10 years. I had to switch over a bunch of money from my savings to my checking to cover my bills and rent. I go on a big vacation in a few days and now I am out {$2500.00} that is rightfully mine and am being refused. I now have serious doubts about your internal research team and their efficiency. If they were to really look at my account, they would obviously see I am cautious with my money and have no prior history of randomly spending large amounts, or draining my own checking account, or even overdrawing. Huntington has apparently re-opened the case and they are investigating it again. But this could take up to 90 days and I have a feeling nothing is going to change with the case so I am taking every action I can to get my money that I worked very hard for, refunded back to me.
Company Response: Closed with explanation

Timely Response

2018-06-28

Rochester, OH

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: On XX/XX/XXXX I used bill pay to pay XXXX XXXX {$25.00} for phone services. I was given a confirmation # XXXX. It posted on bank account on XX/XX/XXXX. On XX/XX/XXXX my phone service was suspended for non payment. I called the carrier and they had not received the payment. I had to make the payment to have my service restored. I called Huntington Bank on XX/XX/XXXX and was told the payment to XXXX was not sent and a refund was request and I would have it in XXXX -XXXX hours FILE # XXXX ... ... I check my bank account today ant the {$25.00} still was not refunded back to me. I called the bank today and they had closed the case. I called XXXX XXXX and they only have the payment I made on XX/XX/XXXX and no other payment. My next payment is to be made by XX/XX/XXXX meaning theu don't have any payment from Huntington
Company Response: Closed with explanation

Timely Response

2018-06-28

Ashville, OH

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to sue you for very old debt
Complaint: I was contact on XX/XX/XXXX by phone and a voice mail was left. I was told to call XXXX about a complaint that was filed against me. I was contacted by a XXXX XXXX XXXX representing nationwide court services in Washington. He said they were scheduled to deliver court documents to me and also to my mother in law at her address. The number that was given connected me to a XXXX XXXX XXXX XXXX in which I spoke to a XXXX XXXX XXXX who said that if this debt was not settled now that I would be taken to court and have my wages garnished. The debt in question is from XX/XX/XXXX which violates the statute of limitations in Ohio to threaten me with legal action and wage garnishment. I requested numerous times for this gentleman to provide me with a letter of validation in which he said he was not obligated to do so. He was demanding we set up payment arrangement with a check or card. I questioned why a certified check would not be accepted. He would not give me reason but only stated it was not an acceptable method. At no time did he recite the statement that I have heard many debt collectors recite that this was an attempt to collect a debt and any information obtained would be for that purpose. Neither did he advise me that the call was being recorded. I also questioned why the firm he represented was not found when I searched it on the internet. I was told it was because it was a private firm. I also requested to see proof that his firm obtained my debt legally in which I was also refused.
Company Response: Closed with explanation

Timely Response

2018-06-27

Bromley, KY

Communication tactics

Debt collection: I do not know

Used obscene, profane, or other abusive language
Company Response: Closed with explanation

Timely Response

2018-06-27

Colfax, IN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I have been making payments to Huntington Bank for a settled line of credit. I have never missed a payment. It has been over 4 years. This has now gone into XXXX XXXX and they are claiming they aren't receiving payments. The treasury department is now handling collections for this debt. However, Huntington Bank keeps accepting payments. This has now dropped my credit score from XXXX to XXXX and I am now in the process of getting a mortgage. I can not get mortgage with a XXXX score. I call Huntington Bank and they forward me to the Treasury department and Treasury department refers me back to Huntington. Nobody will straighten out their mistake.
Company Response: Closed with explanation

Timely Response

2018-06-26

Detroit, MI

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Card opened as result of identity theft or fraud
Company Response: Closed with explanation

Timely Response

2018-06-26

Akron, OH

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Company Response: Closed with explanation

Timely Response

2018-06-25

MI

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: They are trying to charge me {$110.00} for {$5.00} overdraft when i was within a 24 hr grace period. They gave me a confusing story its robbery
Company Response: Closed with explanation

Timely Response

2018-06-25

Briggs, OH

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with monetary relief

Timely Response

2018-06-22

OH

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Title loan

Complaint: We paid off a truck loan on Tuesday, XX/XX/XXXX and it cleared our bank on the next day, Wednesday, XX/XX/XXXX. Huntington Bank said it would take 10 days to report the sale to the XXXX XXXX XXXX for release. I sold a car several years ago and all the business was done in one day. The money used to pay off the truck loan is from the buyer of the truck who is waiting on Huntington Bank to release the title. Since all this can be done electronically, it seems like 10 days is a long time.
Company Response: Closed with explanation

Timely Response

2018-06-22

Phoenixville, PA

Closing an account

Checking or savings account: Checking account

Can't close your account
Company Response: Closed with explanation

Timely Response

2018-06-21

Cleveland, OH

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: For 10 yrs I have been paying weekly mortgage pymts : the amount due plus extra principle ( see numbers below ). My pymt : $ XXXX/week x 52 weeks/yr = $ XXXX/yr / 12 months = {$970.00} per month. Amount due : $ XXXX/month I recd a call from Huntington Bank XXXX ( Spoke to XXXX XXXX ) stating that " as of XX/XX/2018 Huntington no longer accepts partial payments '' and that my account was over due $ XXXX {$25.00} late fee and that my weekly pymts were not being applied but being held in a " suspension '' account posting once per month. I believe this is unethical ( lazy ) behavior and that weekly pymts are protected by the consumer protection laws. By not applying the weekly payments the bank is : 1 ) Holding consumer money for their own benefit. 2 ) Causing financial harm to the mortgage holder because the principal is paid down slower and adding more days of paid interest ( i.e. more revenue to the bank ). The banks should be posting the weekly payments " as received '' to allow for responsible home owners to pay down their mortgage faster with less interest expense. The representative also said she would re-send the letter that was mailed in XX/XX/2018. I open all my mail and have no letter, email or message on Huntington website login. I'm fairly confident that no communication was ever sent.
Company Response: Closed with monetary relief

Timely Response

2018-06-21

OH

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: XX/XX/XXXX To Whom It May Concern, The following is a complaint against Huntington Bank after obtaining a second home mortgage. We live in XXXX, XXXX and we had purchased a villa in XXXX, XXXX. We have turned to XXXX XXXX XXXX XXXX for all of our financial needs for the past 17 years. We have a personal friend who is a real estate loan officer at XXXX XXXX XXXX XXXX, so when it came time to obtain a mortgage for the villa I gave her a call. When I contacted her I explained that we were looking for a 30 year fix loan. After receiving all the information she needed she proceeded to educate me on XXXX XXXX XXXX XXXX requirements for receiving a second home mortgage on a villa. She educated me on the fact that the villa needed to be Warrantable. She stress how important this would be because if it was not warrantable XXXX XXXX will not write the loan. So after discussing this with my husband we decided to look for another financial institute for the mortgage. So I did my homework and I contacted 2 other banks in XXXX ( one of them being Huntington Bank ) and 4 banks in XXXX. On XX/XX/XXXX I contacted Huntington Bank and spoke with XXXX XXXX, their loan officer. I explained to her that we were looking to obtain a second home mortgage, it was a villa, and that we wanted a 30 year Fixed mortgage. I even inquired if Huntington Bank required the villa to be Warrantable, her response was you dont need to worry about that. On XX/XX/XXXX I texted XXXX to find out what the rate was and she responded Rates just came out, 30 year fixed for condo 4.625 %. I proceeded to ask her if we would be able to close by XX/XX/XXXX and she said Absolutely I asked no fees, no points, just closing cost and she replied Correct. She NEVER said a thing about that the villa had to be warrantable. I discussed Huntingtons offer with my husband and on XX/XX/XXXX texted XXXX and told her we wanted to go with her offer. On XX/XX/XXXX the process began. I obtained all of the information that XXXX requested and dropped everything off at the bank on XX/XX/XXXX. On XX/XX/XXXX my husband and I met with XXXX to sign the loan application. She went over all of the papers and no mention that the villa needed to be warrantable. We signed papers for a 30 year FIXED loan. When we met with XXXX to sign the loan papers she told us that when ever something came in for the loan we would get a new set of disclosure papers. I asked her will it say what came in and she said no I will let you know if there is something that concerns you. We said ok and the process went on. We were receiving new disclosures in the mail and I would look at them A couple of occasions I had questions and I would contact her and she would explain that those were not the Final Numbers. I was looking at everything very closely and I told XXXX I was because my sister had just closed on her condo and it was a nightmare. I told XXXX Im sorry I keep bothering you but I do not want any surprises at closing. Still XXXX never said anything about the villa had to be warrantable. Then on XX/XX/XXXX I received that following email : Hello XXXX, The only item we are waiting on is our condo department to finalize an item that should be completed today. We found out that the condo is considered Non Warrantable Condo due to the following : The HOA does not fund adequate reserves account. XXXX requires at least 10 % of total assessments which would be {$9300.00} and they are only showing {$3900.00} as a reserve line item. We will have to move this to a non-warrantable HMG Portfolio. This doesnt impact you in regards to the HOA coverage, it more has to do with the Lender and what our guidelines require. Your rate will stay the same, it will just be owned by Huntington instead of XXXX XXXX. Essentially from your end you will not notice a difference. We will be moving your file for final approval shortly and should have you approved tomorrow so you can be scheduled. Your current cash to close is {$40000.00}. This is still subject to go down as it Tax Pro-rations and seller credits still have not been applied but I know you wanted to have an idea as to what you would be needed, It will be less than this but to give a rough estimate. XXXX XXXX Mortgage Loan Officer NMLS ID : XXXX Phone : XXXX Fax : XXXX Mobile : XXXX XXXX The Huntington National Bank XXXX XXXX XXXX. XXXX, XXXX XXXX www.huntington.com At XXXX XXXX. I called XXXX about this email but, she did not answer. XXXX returned my call onXX/XX/XXXX and she explained the XX/XX/XXXX email. She explained what warrantable meant and she said that everything is still the same and that this does not affect you in anyway I believed her and that evening I received 2 disclosure packets in the mail. I looked at the numbers again. On XX/XX/XXXX I emailed XXXX about the numbers on the new disclosure packets that I received. She responded again this is NOT the final figures. She also stated When I get the final documents on Monday I will call you to review to make sure you happy with everything J On XX/XX/XXXX XXXX emailed the final cd and she called me. She explained where the finals numbers came from and told me how much money I need to wire to the XXXX Title Company. Now it is time for closing we had decided to close in XXXX, XXXX and XXXX at XXXX XXXX was going to meet with us on Wed XX/XX/XXXX. We sit down with XXXX and he looks at the first page and he says ok your loan is for a 10/1 adjustable mortgage. I said what? and he repeated himself. I said that is not right we have a 30 FIXED mortgage and he said that is not what the paper says and he showed me the paper. He said maybe we should call XXXX.. I tried calling her and no answer. XXXX tried calling and no answer so then he emailed her and she called back. XXXX put her on speaker phone with myself, my husband and XXXX in the room. I proceeded to tell XXXX what XXXX said and XXXX proceeded to tell us that the loan was changed from a 30 year fixed loan to a 10/1 adjustable loan because the villa was not Warrantable. I told her she HAD NEVER SAID A WORD THAT THE TERMS OF THE LOAN HAD CHANGED. In fact I reminded her of what she said to me on XX/XX/XXXX nothing had changed and that this will not affect me at all. She proceeded to say Im sorry if I neglected to tell you this Then she said I spoke to XXXX ( the underwriter ) before I called you and she said she sent out the disclosure. After getting nowhere with XXXX I asked to speak with the manager and he got on the phone. His name is XXXX. I proceeded to tell him what was going on and he proceed to tell me that XXXX knows very well that Huntington Bank does not have a 30 year fixed loan on a nonwarrantable condo. He proceeded to tell me that there was nothing that he could do. XXXX and XXXX both told us that we did not have to sign the papers. However, at that time my husband and I felt like our hands were tied and we were backed into a corner. We were completely beside ourselves. We felt like we HAD NO CHOICE but to sign the papers. We had invested a lot of time and money to purchase this villa. If we did not close we probably would of lost the villa because the closing date was already extended once and we had to close by XX/XX/XXXX. Also, it was my understanding that all the monies we had put out for this closing would not be refunded. We do not have the funds to do this process again. Also, it took us 2 years to find this villa and it was something we both worked very hard for. We feel that Huntington Bank has done a disserve to us. I was thorough in choosing the bank for our mortgage. I was very clear with XXXX that we wanted a 30 year FIXED mortgage and that I did not want to take a chance with a bank that required the villa to be warrantable. I was very clear that I did not want any surprises at closing. During this process I was diligent to provide the information that was needed. I examined the disclosures that were sent to us but I did not ever think to look to see if the terms of the loan was changed. I had no reason to look at that. XXXX had multiple opportunities to tell us that the terms had changed. I have numerous emails, texts and phone calls from her and she NEVER said a word. We feel that XXXX chose not to give us this information because she knew that we would have not continued with the loan. We never had a chance to discuss our options, look for another lender or make any decisions. My husband and I are not in the banking industry and relied on XXXX XXXX knowledge and expertise to manage our mortgage needs and she failed us. We our looking to see what options we have against Huntington Bank and the 10/1 adjustable mortgage that we obtained. XXXX said it will not affect you at all but reality is it will affect us for 20 years! Thank you for your time with this matter. XXXX & XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-06-19

Baldwin, MI

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Company Response: Closed with monetary relief

Timely Response

2018-06-16

Taft, OH

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Complaint: On Saturday, XX/XX/2018, I paid off two auto loans at the Huntington Bank branch located at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. As both loans were paid prior to maturity, the teller assisting me had to determine the payoff amounts. The teller said that he would waive the early payment penalty provision on one of the loans ( for a XXXX XXXX ), and that, according to the teller, the other loan did not have such a provision. I wrote two checks for the payoff amounts ( {$5700.00} and {$9900.00} ) the teller provided to me. The checks were debited/posted to my checking account on Tuesday, XX/XX/2018. A few weeks later I received a notification ( via mail ) that one of the loans ( the XXXX XXXX loan ) was delinquent. I called the phone number on the communication and spoke with Huntington representative who said that the notification was sent because an early payment penalty had not been properly waived in the Huntington system, and that he would conduct the appropriate process for the fee to be waived, and the corresponding late fee that had been applied by Huntington would also be waived. Several weeks later I received another written communication from Huntington, and the bank began calling my place of employment. When I returned the call and explained the situation, I was told I had to speak with a supervisor for resolution. After waiting on hold for many minutes, I was told the supervisor was not available but would call me back. The next day, while I was in a work meeting, I received a call from a person who identified himself as " XXXX XXXX '', and asked me to call him at a specified number. I call the number and asked for XXXX XXXX, but was told there was not a XXXX XXXX that worked for Huntington Bank. When I explained the situation and the reason for my call, I was told the late fees had now doubled. The woman that I spoke with on the call was rude and arrogant. She said that a supervisor would call me, but that call did not occur, only more calls to my work from agents without the ability/empowerment to honor the commitment of two other Huntington representatives.
Company Response: Closed with monetary relief

Timely Response

2018-06-15

Williamston, MI

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with monetary relief

Timely Response

2018-06-14

Waterford, MI

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response