HUNTINGTON NATIONAL BANK, THE

2015-10-16

Mount Holly, OH

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: XXXXHuntington National BankXXXX XXXX XXXX XXXX, Ohio XXXX : XXXX XXXX Mortgage Loan Application # XXXXI am really devastated by my first encounter with Huntington National Bank. XX/XX/XXXX - I submitted a Contract to Purchase requesting a FHA loan. XX/XX/XXXX - XXXX XXXX, Mortgage Loan Officer, qualified me for a conventional loan under a Low to Moderate Income Tract which waived all closing costs except the prepaids. XX/XX/XXXX - Home Inspection was completed and a Homeowners Insurance Quote was obtained. XX/XX/XXXX - He sent application documents for my signature. Page XXXX of the Uniform Residential Loan Application indicated my student loans. XX/XX/XXXX - XXXX XXXX, Personal Production Assistant, confirmed that all documents had been signed and received. XX/XX/XXXX - XXXX said " everything is going fine ''. XX/XX/XXXX - XXXX XXXX, Mortgage Loan Processor, sent an email requesting XXXX documents. # XXXX " Provide letter from XXXX confirming monthly payment {$140.00} used to qualify. When I called XXXX, their records showed payment of {$110.00}. XXXX XXXX said that was even better and accepted that letter. XX/XX/XXXX - XXXX called and said everything looks good. He said I would have to open a checking account with Huntington Bank for automatically withdrawal of my mortgage payment. He said that is the only way I could make the mortgage payments and it was a condition of the loan. I opened the account XX/XX/XXXX. XXXX - XXXX called and told me everything was good and to contact my realtor to schedule a closing date around XX/XX/XXXX. XXXX advised me to bring {$460.00} to the closing. XXXX XXXX - XXXX said he needed a homeowner 's insurance policy effective XXXX XXXX, 2015 from XXXX. XXXX said " It 's been submitted to underwriter for final review. Should have an answer from them if we are clear to close in the next couple days ''. XXXX - XXXX XXXX called and said the loan was denied due to my student loans. The underwriting department was calculating my minimum payments at XXXX % of my student loans. I explained I was on a renewal income-based repayment plan and because I work for a XXXX, I would be eligible for Loan Forgiveness after 10 years. He stated XXXX would have to specifically state " after 10 years XXXX XXXX 's loan will be forgiven ''. XXXX sent a letter explaining the Loan Forgiveness program and another letter stating I was eligible for income-based repayment, renewable each year. ( see attached ). I was devastated and asked why was this considered only now and not on XX/XX/XXXX? XXXX said XXXX % has always been Huntington 's policy. I begged XXXX to tell me what else I could do. I asked if getting a XXXX job would help, I said my mother was moving in with me, could putting her on the mortgage help. He sarcastically said " You could pay off your student loans, or get a $ XXXX raise at work ''. He was not interested in seeing if having my mother on the mortgage would help. He did n't want to do the extra paperwork. XX/XX/XXXX - Spoke to XXXX XXXX @ XXXX. XXXX XXXX said XXXX XXXX was the salesperson and it was his job to determine what mortgage loan product an applicant qualifies. She said XXXX XXXX " just collects the paperwork ''. She referred me to XXXX 's supervisor, XXXX XXXX @ XXXX. XXXX XXXX has not returned my call. I have done everything that was required, submitted all documents the same or next day. My student loan was on my credit bureau and Huntington knew about them in the beginning. My student loan is on an income-based repayment plan, the only way the monthly payment increases is if my income increases. I work for a nonprofit government agency for 4 years at 10 years my loan
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-14

Eagle Creek, IN

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-14

Douglas, MI

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: We were tricked into accepting a high interest rate mortgage with Huntington Bank. Their employee outlined a plan for us to mortgage out of our land contract, then do a cash-out refinance on the new mortgage, something we could not have done on the land contract. His advice was for us to take premium points ( a higher interest rate XXXX on the first mortgage and use the bonus cash to pay the closing costs. We would then immediately cash-out refinance at a lower interest rate due to a points purchase, and pay closing costs as required. The net effect of this plan is to bypass rules against cash-out refinance of land contracts, and to avoid paying closing costs XXXX times while doing so. The day before our right of rescission was to expire, the employee confirmed his plan to be correct. Even when specifically asked whether or not seasoning was required before we could refinance, the employee confirmed it was not, that we were a special exception and we could proceed as planned as soon as our right of rescission had expired. The day our right of rescission expired, the same person told us we can not proceed as he had planned due to a requirement that our loan season for XXXX months before we can refinance ( seasoning ), that he had made a mistake and was sorry.The net effect of this trickery was that we now are stuck with a high interest rate mortgage. This person 's supervisor corroborated his plan prior to its execution and is culpable in his wrongdoing. We believe we have been intentionally tricked into this high interest rate product. This is not a hearsay situation, we have voicemail messages, text messages and witnesses ( including a notary public ) to a conversation which all prove the employee was intentional misleading for his own and his bank 's greater profit.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-13

Dayton, OH

Credit decision / Underwriting

Mortgage: FHA mortgage

Complaint: My wife and I went to Huntington Bank, applied for an FHA Loan and received a pre-approval letter on XXXX XXXX, 2015 to purchase a house. We made a contract to purchase a home and close on XXXX XXXX. Two days before closing ( XXXX XXXX, 2015 XXXX, we were notified by XXXX XXXX that she had overlooked my wife 's current FHA Loan and that the loan was denied due to the inability to have XXXX FHA Loans. We viewed the FHA Handbook XXXX XXXX XXXX : XXXX ) and found that we could indeed have XXXX FHA Loans. We emailed XXXX XXXX the information pertaining the FHA stipulations for having XXXX FHA mortgages on XXXX XXXX, 2015. At this point we stated once again that we wanted to move forward with the FHA Loan. XXXX XXXX stated that the credit score requirements changes for a second FHA Loan from XXXX to XXXX. This eliminated me from qualifying for the second FHA Loan ; however, my wife did qualify pertaining to the credit score but the debt to income disqualified her financially. We were told that we would have to get a co-borrower, in which my father volunteered. Huntington ran my fathers information and it qualified. We were once again told by XXXX XXXX that an FHA Loan was not going to work because XXXX parties on the loan had to live in the property and that " she could not put him on the loan because she did not feel comfortable knowing that he was not going to live in the property ''. XXXX XXXX made it seem as if we were asking her to do something illegal. Once again, on XXXX XXXX, 2015, we forwarded XXXX XXXX FHA documentation ( Handbook XXXX : XXXX ) stating the FHA guidelines specifically stating that only XXXX party was required to live in property. At this time, we were set on a Conventional Loan track unbeknownst to us until we received the processing papers with inflated interest and more down payment requirements. We called Huntington Bank and asked why the loan had switched to Conventional when we still wanted an FHA Loan that we qualified for. Since that clarification, Huntington has been making numerous requests for the same documentation regarding my wife and father ( emails show documentation being sent multiple times to the loan officer and processor ) and using other " stalling '' procedures. From these " stalling tactics '' we were forced to request another extension from the sellers. An appraisal for the first FHA Loan house was scheduled well past the time frame. FHA states that in order to have a second FHA Loan, the first FHA Loan had to have an 75 % LTV. XXXX XXXX stated that the department responsible for scheduling the appraisal was not going to conduct XXXX due to the low valuation of the property. I spoke to the processor who stated that the value of the first FHA property was {$60000.00} in accordance to the XXXX XXXX XXXX Website, XXXX and XXXX. We researched and found that this too was a falsity, and that each sight valued the property at no less than {$100000.00}. Ongoing deception provoked us to research other aspects of this process, so we called other local offices and found that Huntington has the same score requirement for second FHA Loans as they do for the first-time FHA Loans, XXXX and not XXXX as quoted by our loan officer. The overdue appraisal returned and XXXX XXXX informed us that it did not meet the requirement and that the only way to get an FHA Loan was to pay down the first loan balance XXXX {$20000.00} XXXX. We believe that the XXXX was coerced due to XXXX valuation. We requested a second appraisal but received no response. We then requested to move forward with a Conventional Loan expeditiously to secure the purchase of the property ; however, XXXX XXXX stated that we had to start an entirely new application and that her manager XXXX XXXX would be contacting us. To date, we have not heard back from Huntington or received any letters of denial XXXX XXXX XXXX XXXX, 2015 ) and the property is now off the market.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-13

Palmyra, MI

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-09

Columbus, OH

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-09

Taft, OH

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I received a post card from Huntington Bank, stating that if I open a checking accounting plus a payroll direct deposit over next 60 days, I would receive {$200.00} incentives. But I could not find it when I wanted to open an account. Then, I went to the local XXXX branch. The manger searched their database and could not find any records of their mailing to me. He also tried to see any unused promotion codes that he could apply it to me. He did not find any. I went back home and XXXX the promotion. I found that Huntington Bank website offered the same promotion but with {$150.00} incentives. I applied for a checking & saving account online on XXXX/XXXX/2015. Everything went smoothly. I forgot the {$150.00} until one day I received a message from the Bank, stating that if I could open a money market account, I would receive {$100.00} incentives. This reminded me about my {$150.00}. On XXXX/XXXX/2015 ( XXXX ), I called XXXX from my cell and talked to a lady. She said that there was a problem in my initial application. She would initiate an investigation to find out whether there was an online promotion during the period that I opened an account. She said that I would receive findings in mail in FIVE days and asked me to call back if I did not receive the letter. On XXXX/XXXX/2015 XXXX XXXX XXXX, I called XXXX from my home because I did not receive any mail ( even up to today XXXX/XXXX/2015 ). The gentleman that I talked to said that they were still investigating it and the information given previously was misleading. I was mad. I could smell that the bank was not sincere. On XXXX/XXXX/2015 XXXX XXXX ), I called XXXX from my office. A lady answered me. She saw the time that I called but she did not find why I was calling for. She said that the promotion code that I entered was " funny ''. It is funny if a wrong code was entered, the Bank would reject it immediately. She said that she would fill a form and expedite the investigation. To be honest, I am getting to lose the confidence in this bank. I filed a complaint XXXX on XXXX/XXXX/2015 XXXX Refer # XXXX XXXX. Today, XXXX told me that the Bank required more time to investigate the matter. It has been 30 days since I initially filed the complaint to the Bank on XXXX/XXXX/2015. It is a simple issue. What is going on with the Bank?
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-10-09

Euclid, OH

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I have a mortgage through Huntington and had setup a checking account with them as well for the purpose of having a Direct Deposit into the account in the amount of my mortgage to be swept out each month to satisfy the terms of the note. I received a call today from Huntington. After verifying who I am and saying she was with Huntington the very first question the rep asked me was " Do you have intentions on keeping your home at X address? ''. As it turns out there was a error with the online $ transfer from the checking account to pay the mortgage. I immediately gave her a check over the phone. When I asked why she would ask such a question the rep said that is how they are trained to start the call. This is a psychological game meant to infer that the bank has intentions of me NOT keeping my home. Its reprehensible to use such tactics on customers. I requested her supervisor who I was transferred to, XXXX, who confirmed that is how the reps are trained. He preceded to be trite and rude, but I 'm less concerned with the poor choice in supervisor staffing than I am with a large financial institution using psychological scare tactics in their call scripting on a massive scale.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-09

Royal Palm Beach, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-07

Williamston, MI

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-06

Cleveland, OH

Application processing delay

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-05

Bexley, OH

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-05

Wallington, NJ

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Mortgage Loan - Overcharge of PMI Original Complaint From XX/XX/XXXXMy original mortgage loan with Huntington was XXXX issues on XXXX XXXX property with appraised value of {$150000.00} and PMI in the amount of {$150.00} was added to this mortgage. Based on general rules of PMI it should have stopped when loan balance has reached 80 % of appraised value that was around XXXX XXXX or XXXX XXXX. However, the Huntington Bank continued to charge me PMI until I had refinanced my loan in XXXX XXXX. During the refinance process, I was made aware that I may have been over charged PMI for five and half year. My new loan ( XXXX ) was issued for loan amount of XXXX and the property appraised value was as original {$150000.00} XXXX original appraisal was used from XXXX ) and I was not charged PMI for the refinanced loan. I have discussed this issue several times with Huntington Bank and refuse to provide original loan documents and address this issue. I realize the loan document that are given to me at the time of loan closing are all incorrect because they were for 5 year arm product and my loan with Huntington was 30 year fixed at 6 %. Also Huntington Bank claims that PMI is charged 80 % of purchase price ( XXXX ) vs. appraised price. I think this explanation is incorrect because if true then I would be paying PMI on my refinanced loan because at the time of refinance my loan to value was XXXX = approximately 85 %. I notified to the Bank in XXXX XXXX and in XXXX I also sent a complaint to XXXXXXXXXXXX and then I continued with this matter after my refinance was closed in XXXX XXXX. In XXXX, I was not aware of OCC complaint form available online and XXXX Consumer Protection agency. Otherwise I would have registered my complaint earlier. I feel I have over paid approximately over {$10000.00} in PMI premium, plus interest that was charged at 6 % to my mortgage account if this amount was applied to my unpaid balance. In light of that I have never missed a payment on my either mortgage accounts or HELOC accounts and hold a good credit history. Please contact me at XXXX should require any additional details. XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-01

Shelby Township, MI

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-29

PA

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: This is about Huntington National Bank, I have had to file XXXX XXXX cases against them for what started out as fees that should n't have been charged on XXXX accounts. Then XXXX started taking out money and overdrafting the accounts, and a block was put on them so they could n't withdraw any money, they were taking direct debits that were n't authorized. Then I started to get harassed by customer service employees, they would no longer help me on the phone, and my contact person for the XXXX cases started harassing me. Once this started, the XXXX block was taken off of the accounts and many transactions that did n't even make sense and a lot of fees were going on, and were not being credited back, the XXXX was no longer able to get anywhere with the contact. He refused to issue anymore refunds to any of our accounts. It did n't matter that these were fraudulent charges, and unauthorized charges. I had opened XXXX accounts to just be XXXX accounts for my mom and myself, and charges like crazy and fees were going through those as well as the bill accounts. There were many times we were unable to pay our bill and ended up getting a month behind, because the bank would n't refund the fees, so that the bills could go through a second time. I opened another case last night because all XXXX accounts have been allowed to total over XXXX in fees and charges that were put through on already negative accounts. Mostly because of XXXX being allowed to take whatever they want. I opened a case with XXXX on Sunday that covers all of XXXX through today of the fraudulent charges being put through. I have repeated my case over and over, and I no longer get help this has me so upset and worried, we moved to a new bank, and I want these accounts to be at XXXX and closed that 's what I 'm asking for now, I do n't want this to be sent to collections for charges and fees that are n't our fault to hurt our credit. Please do n't back down from this company and see what they are doing with these accounts. the contact in question, tried to call me after the case was closed, he is the XXXX harassing me, he has been spoken to, and not supposed to contact me, I do not want harassment from him and the bank employees to continue, Please stop him as well. I 'm becoming afraid of what he is doing possible to the accounts because he has direct access to them, and what he may do to me in a harassment manner, he has my address, and my state is right next to his. I just want this all over with, and the accounts closed. This has been a horrible experience, the XXXX recommended that I contact you this time.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-29

Westfield Ctr, OH

Account opening, closing, or management

Bank account or service: Checking account

Complaint: The Huntington National Bank willfully deposited several Social Security & other checks on which I, XXXX XXXX, was the payee and had not signed in to a checking account ending in # XXXX on or about XXXX, 2012 and continuing beginning with {$31000.00}.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-25

Brooklyn Heights, OH

Settlement process and costs

Mortgage: Conventional fixed mortgage

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-09-25

Oldenburg, IN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-24

IN

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Complaint: My XXXX year old sister, works at a XXXX earns XXXX dollars an hour, has XXXX saved, and is very stubborn and not very educated, has completed a year of college. She applied to a loan at Huntington Bank, they approved her for XXXX. At her pay, should could n't even pay for utilities and food, let alone a mortgage. Given that an adults brain does n't even fully develop till age XXXX, where your frontal lobe that makes decisions develops. ( at age XXXX I believe you 're learning what beer is ) How is that bank is allowed to give a naive person XXXX debt, that they will be tied to and will harm my family that survives off a mother earning XXXX a year.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-24

Miami, FL

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

2015-09-24

Silverton, TX

Making/receiving payments, sending money

Bank account or service: Cashing a check without an account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-22

Vicksburg, MI

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-09-22

Darbydale, OH

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-09-20

Mercer, PA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: About 8 years ago I opened an account with Huntington Bank. I over drafted my account by XXXX $ and I was hit with over XXXX in overdraft fees. There reasoning for this was taking the money out with the largest amount first, because of " importance ''. After a long talk the bank talked me into opening a {$500.00} credit line to protect myself from these fees, they took the money I had deposited and transferred the balance of my fees over to the credit line. I asked them to suspend the entire account so that I could dispute there claims. In turn my credit line sky rocketed to over XXXX due to interest and penalties. I then had another conversation with the bank and explained that I would never pay them a single cent and that all of this came from a XXXX overdraft. I have since learned how to live with cash and have experienced a terrible credit rating. I have had a car loan that I paid on time with no change in my credit score due to this outstanding balance. Now 8 YEARS LATER, I received a payment of XXXX in the mail from Huntington. With a letter informing me that they had noticed I was over charged.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-17

Galena, OH

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I have an account with Huntington National Bank, and I am also set up with text alerts. I manage my account based on the current balance and what is outstanding. On XXXX I received a text alert stating my account had over {$300.00} positive in my account on XXXX. and every time I swiped my card XXXX average swipe was no more than {$10.00} per transaction ), leaving me with an end of day balance of around {$310.00} at day end processing. I had a check go through the follow evening on XXXX for {$75.00}, and it showed my beginning day balance of $ XXXX. I called the branch and no one was able to speak to me at the time I called, so I left a message. I then called the Branch Manager later that evening and spoke to him and he reviewed over the phone, and said he would talk to his district manager and call me back. By the time EVERYTHING went through and posted ) ( minimal debit card transactions ) My account was XXXX. Not one PERSON could explain why. I contacted telephone banking on XXXX, to no avail, no answer.. called the branch again and they advised the Branch Manager no longer worked there. I then left a message for the lead teller. She never returned my call. Then on XXXX, I called again and finally spoke with the Asst Branch Manager, and explained everything ( by now I had racked in over {$300.00} in service fees XXXX. He then advised that there was a debit card transaction that had gone through my account of {$300.00} and it was approved and paid. It was a legitimate charge however, I was NEVER told this previously and my text alerts never reflected this transaction coming through ( as it should, since I get an alert with EVERY transaction ). I told this to the ABM, and he said that I should not rely on my alerts as truth. I then told him then why even have that as an option, if it is n't correct. He could n't answer that. I told him I wanted to speak with his Regional Manager. He left her a message. She called me back yesterday, and although she is " sympathetic, '' she will not refund any fees. She said that I had been allotted enough fee waivers, and even though it was their fault with not properly posting the real debit on their end, there would be no fee waiver. This is completely disconcerting. This is unfair and very deceiving practices.
Company Response: Closed with monetary relief

Disputed: No Timely Response