I am rejecting the banks response for the following reasons, and rebuttals, November according to Equifax payment history payment was less than 30-days past due (as reported to the credit bureau By Huntington, on December was between 60-days past due according to the information reported to Equifax by Huntington bank on Jan according to Equifax was only 30-days past due not days past due, As reported by Huntington, No available record on any credit bureau for any payment after the charge off in January 2015, As far as the repossession fee of per vehicle the payment made on January that was reversed in February of we were told by the Branch where cash payment for the repossession redemption had happened the payment that was misappropriated was told to us was to include the next months payment, as you can see it was credited the account which showed paid to date and without any contact by the bank to us to ensure that the payment was reversed and "accidentally" misappropriated by the bank branch and again when we called to ensure we were up to date in January of We were never notified of any action taken against the account because there were multiple attempts to have a hardship agreement after I had lost my job but the bank said there is nothing that can be done to set up a payment plan to assist on keeping the loan current, was repeatedly told that there is nothing can be done unless you have the loan paid to date then we can help you so you don't get behindPass-a-Payment, Ticket voucher does not and the response about original complaint does not say that the Pass a Payment is required to be pre approved, and the requirement for the pass a payment was timely paymentsAnd according to the payment history reported to Equifax by Huntington bank, all payments until the attempted pass a payment, were made on time and in a timely manorOn June 17th when a request for pay off to be sent the dealership was never given the requested pay off for the vehicles Huntington bank response is that the loan has been charged off and only the original debtors are able to obtain a pay offConversation with Huntington advocate a payment resolution was reached and in fact agreed upon in writing via a resolution from CFPB was attempted to be made right but according to as the agreement use of verifiable funds could not be paid at the branch the account "could not be found" Huntington, is no longer the lien holder and a payment could not be made at a branchThe in query made was not interference to what company repossessed the vehicles I know that Huntington bank uses *** ***, I was inquiring as to why the payment mentioned in February was reversed and what the reversal was for and why were we not notified of the reversal, and why if the payments were made and verified by a bank branchWhy was held liable for a mistake on the banks side? Secondly my husband had spoken to Sara the *** *** for our Huntington bank from the loss and liquidation department was that we could set up a new payment agreement and when my husband called back to Huntington to agree to the terms from the new agreement Sara, was on vacation and spoke with her supervisor or so my husband was toldHer supervisor said that there will be no arrangement made that the only arrangement that Huntington would honor was the full payment of the loan and there is nothing that we (my husband and I) can do about it, until the loan is paid in full because that is the only way this will be fixedHe informed us that there is no agreement nor were there any notes on the account for an agreement what so ever. Here is a copy of the letter from Huntington bank...and the cars are currently in my possession
Dear Mr
***:
I’m
writing in response to your complaint filed with the Revdex.com
regarding your Huntington Checking account number ending in ***Huntington
received this Huntington received this matter on July 17, for review
Please
know that
we have completed a thorough review of this matterThrough our
research we found the following information:
December 8, through April 28,
2015:
Our
customer assistance team attempted to contact *** *** (joint account
holder) by phone to discuss the negative balance owed to her Business Checking
Account Number ending in ***
These
calls were intended to discuss the account, make a payment arrangement and a
possible fee refundsShe was unresponsive to our requests for a return call
April 30, 2015:
Since
a payment arrangement could not be made, Huntington charged off the account
number ending in *** with a $balance owed to Huntington
May 5, 2015:
Huntington
attempted to call *** to discuss the negative balance owed to her Business
Checking Account Number ending in ***, but she was unresponsive to our
requests for a return call
May 13, 2015:
Huntington
attempted to call *** to discuss the negative balance owed to her Business
Checking Account Number ending in ***, but she was unresponsive to our requests
for a return call
June 5, 2015:
Huntington
attempted to call *** to discuss the negative balance owed to her Business
Checking Account Number ending in ***, but she was unresponsive to our
requests for a return call
Set-Off:
We
have enclosed a copy of the “Agreement and Disclosure of Account Terms and
Rules and Regulations for Consumer Checking Accounts” documents that were given
to you when you opened your checking accountOn page 6, under “If You Owe Us
Money” it states:
If You
Owe Us Money:
If any
of you owe us money which is due, whether jointly with another or individually,
you agree that, unless prohibited by applicable law, we may use the money in
your account to pay the debt, regardless of the source of the funds in your
accountThis is our right of set-offWe will not be liable for the dishonor
of any check or other item, entry or transaction when the dishonor occurs
because we set-off a debt against your accountYou agree to indemnify us and
hold us harmless from any claim (including reasonable attorneys’ fees) arising
as a result of our exercise of our right of set-offIf your account is a joint
account, each of you also agrees that you are responsible to pay any overdraft
created on your account by any of you or as a result of fees or charges posting
to your account
June
5, 2015:
Huntington
debited $from the account ending *** and applied it to the outstanding
debt owed to her account ending in ***.
July
7, 2015:
Huntington
debited $from the account ending *** and applied it to the outstanding
debt owed to her account ending in ***
July
17, 2015:
Huntington
debited $from the account ending *** and applied it to the outstanding
debt owed to her account ending in ***
In
regards to your comments about the service you received by Jay D***Please
accept our apologies for not having delivered the level of service that we are
committed to providing youWe have reviewed the telephone conversations with
the appropriate level of Huntington management, so please know that your
comments have been heard and we are addressing any opportunities for
improvement.
Mr
***, please contact Huntington’s Liquidation and Recovery department at
###-###-#### to discuss your repayment and / or settlement options for the remaining
$amount owed to your account ending in *** If you have additional
questions, please feel free to call me directly at ***We appreciate your
business and the opportunity to address your concerns
Sincerely,
Bob
A***
Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding MrAndrew Kail which we received on February 27, for review Please accept this correspondence as our confirmation that we have
completed a thorough review of this matter and have contacted our customer directly in order to provide our response If you have any questions, or need further assistance, you’re welcome to contact us at your first convenienceSincerely, The Customer Advocacy Team Huntington National Bank
Dear *** ***I'm writing to respond to your recent complaint filed with the Revdex.com ("Revdex.com")regarding your Huntington Installment Loan account ending *** First, I'd like to apologizefor any inconvenience this matter may have caused you.Please note the following information about
your account:Prepayment Penalty: I've enclosed your Huntington Personal Loan agreement andhighlighted the area where it states that you may be charged a prepayment penalty onloans.I understand your frustration, and apologize for the situation you encountered.Unfortunately, the prepayment fee on this loan is a valid fee and cannot be waived.Please be assured that I have referred your comments to the proper product managementteam for their reviewWe have contacted Neil Huffrnan Honda regarding this matter and wethank you for making us aware of your concerns.If you have additional questions, please feel free to call me directly at ###-###-#### or at###-###-####, extension ***.Sincerely, *** *** *** ***
I received a letter from Huntington regarding the complaintThey refuse to do anything regarding my complaintEven though the teller at the bank still stands by the promotion being offered Huntington will not honor it saying there was not such a promotionThe manager at the bank aknowledges the was the promotion as wellHuntington also claims that they will charge interest those three days of the month due to their long discloser they said they read to meThe disclaimer is very difficult if not impossible to understand and I don't recall if they read it Regardless it's an easy way for this company to sit and switchThey are refusing to pay back the interest they are charging me and refuse to pay the sign up promotion fee of They only paid me They are dishonest with their business practices!
Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding S*** *** which we received on February 22, for review Please accept this correspondence as our confirmation that we have
completed a thorough review of this matter and have contacted Sarah Winter directly in order to provide our response If you have any questions, or need further assistance, you’re welcome to contact us at your first convenienceSincerely, The Customer Advocacy Team Huntington National Bank
To Whom It May Concern: Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding *** *** which we received on October 3, for reviewPlease accept this correspondence as our confirmation that we have completed a thorough review of this matter and have contacted *** *** directly in order to provide our responseIf you have any questions, or need further assistance, you’re welcome to contact us at your first convenienceSincerely, The Customer Advocacy Team Huntington National Bank
To Whom It May Concern: Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the rebuttal you forwarded to us regarding *** *** which we received on May 4, for review Please accept this correspondence as our confirmation that we have completed a thorough review of this matter and have contacted *** *** directly by email in order to provide our response If you have any questions, or need further assistance, you’re welcome to contact us at your first convenienceSincerely, The Customer Advocacy Team Huntington National Bank
The Huntington National BankCustomer Advocacy Team EA1W02*** *** ***
*** *** ***
August 3,
*** *** ***
*** *** ***
*** ** ***
*** *** *** ** ***
*** *** ** ***Dear *** ***:Thank you for contacting The
Huntington National Bank (“Huntington”)We are writing in response to thecomplaint you forwarded to us regarding *** ***, which we received on July 27, for review. Please accept this correspondence as our confirmation that we have completed a thorough review of thismatter and have contacted *** *** directly in order to provide our response.If you have any questions, or need further assistance, you’re welcome to contact us at your first convenience.Sincerely,The Customer Advocacy TeamHuntington National Bank
Dear Revdex.com: Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding *** ***, which we received on September 16, 2016 for review Please accept this correspondence as our
confirmation that we have completed a thorough review of this matter and we will be contacting our customer directly in order to provide our response If you have any questions, or need further assistance, you’re welcome to contact us at your first convenienceSincerely, The Customer Advocacy Team Huntington National Bank
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me I disagree with a couple of the replies, but ultimately the issue is resolved so I prefer to move on.
Regards,
*** ***
Dear Mr***
I’m writing in response to your rebuttal to the Revdex.com case regarding your Huntington checking account number ending in ***
Although we regret that you are not satisfied, our position regarding this matter remains the sameOn November 12, Huntington refunded $in dormant account fees as a courtesyNo further courtesy dormant account fee refunds will be offered on this account
As stated in our previous correspondence and in our November 25, telephone conversation: In October 2013, Huntington was offering an account opening promotion where if you opened a Huntington account, we would credit your account a $bonusOur records show that on October 21, 2013, you opened an “Asterisk Free” checking accountHuntington credited the $promotional incentive to your account on October 28, 2013.
Please note the following:
Huntington’s “Asterisk Free” checking account is an account that offers multiple services with no monthly maintenance feeThe “Asterisk-Free Checking Account” disclosures explain the benefits of our Asterisks Free checking accountPlease note that on page 3, Section 4, under “Other Services From Huntington” explains other service provided by Huntington BankThis section explains that our accounts have a $dormant fee
Dormant Checking Accounts:
A Dormant fee is a per month charge if checking account is inactive for months; waived with a minimum balance of at least $1,or for minor accountsNot charged for accounts in IN and FL.
Mr***, in your rebuttal you have stated that other than the August 13, phone call, “no additional contact by either phone or email was made”
In our November 25, telephone conversation you confirmed that you have been receiving our monthly email notifications stating that your checking account statement is available for review through our Online Banking serviceThese checking account statements show that a $dormant account fee was charged to your account beginning with your May 6, statement.
Our records show that on November 27, 2015, you completed a $electronic transfer from your Huntington account to a third party accountThis account currently has a zero balance.
Mr***, if you wish to close your Huntington checking account or if you have any additional questions, please feel free to contact me directly at ###-###-#### or toll free at ###-###-#### (ask for extension ***)We appreciate your business and the opportunity to address your concerns.
Sincerely,
Bob A***
*** *** ***
The Huntington National Bank Customer Advocacy Team EA1W*** *** ***
*** *** ***
*
*** ** ***
*
*
*** *** ***
*** *** ***
*** ** ***
*
*** *** *** ** ***
*** *** ** ***
Dear *** ***: Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding *** ***, which we received on October 26, for review Please accept this correspondence as our confirmation that we have completed a thorough review of this matter and have contacted *** *** directly in order to provide our response If you have any questions, or need further assistance, you’re welcome to contact us at your first convenienceSincerely, The Customer Advocacy Team Huntington National Bank
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]Complaint: ***I am rejecting this response because:This respond did not help me to solve my problem!!!! You said my address indicated that I was still live in OhioThat is because Huntington does not have any location in California!!!! You don't allow me to use the online banking, and you don't allow me to talk to you on the phone when I called the customer service!!! How can I change my address?????!!!! Even through I could not close the account, but why do you keep taking out my money from my account???? You did not explain this to me?? Why was it different from what the banker told me when I open the account????You called me at my office hour, and I could not answer any phone call when I was at work.Regards,*** **
Dear Mr***I'm writing in response to your recent complaint filed with the Revdex.com (Revdex.com) regardingtheapplication of payments to your installment loan ending in *** held with the Hluntington NationalBank ("Huntington")Huntington received this matter for revie\v on November
2015.This letter is to summarize your conversations with Sean Roehrenbeckregarding the actions taken onyour loanPlease note the following:We confirmed that the amount of insurance payments that we received totaled exactly 24monthly paymentsWe have reapplied all of your payments starting April 19, as amonthly payment of $34.After we reapplied all of the monthly payments, this reflected the final insurance paymcnt onMarch 19,1.We confirmed that you started making monthly paynients in April .Prior to the application of the payment and adjustments your loan balance was $1and the balance after adjustments is now $34,104.03.Please know that we have also submitted a credit bureau correction up update thedelinquencies reporting on your loanPlease allow 30-days for this information to beupdated with each of the credit reporting agencies.I have also enclosed is a copy of the payment for your records.If I can be of any assistance or if you have questions, you are welcome to contact me at ############# ortoll free at ###-###-####- ext ####, and I'll be happy to assist you.Sincerely,Jessica L ***
Dear Ms***I'm writing in response to your correspondence addressed to the Consumer Financial Protection Bureau("CFPB") and to the Revdex.com ("Revdex.comn), regarding your concerns with your Checkingaccount number ending in *** and Money Market account number ending in *** with The
HuntingtonNational Bank ("Huntington")Huntington received this matter on January 12, for review,Please know that we have completed a thorough review of this matterAs a result of our review pleasenote the following information:August 10,2015:Our records show that you wrote a $51,personal check to yourself (check#1004)+W e haveenclosed a copy for your review.August 11,5:Our records show that you completed a $50,online transfer from your Huntington Money Marketaccount to your Huntington Checking account ending in *** to help fund the $51,check that youwrote.September 9,5:Our records also show that you completed an internet transfer of $from your money market accountending in *** to your checking account number ending in ***.Account Closing:When Huntington receives a request to close an account, a closing code is placed on the accountOncethe account is at a zero balance the account will closePlease note that if there is a positive or negativebalance, the account will not close.Huntington does not have a record ofa request to close your Huntington checking account or your moneymarket account.Please note the following timelines regarding your checking account number ending in *** and yourmoney market account number ending in ***:Checking account ending in ***:September 30,2015:Member FDIC JI+ and Huntingtonmare federally registered service marks of Huntington Bancshares Incorporated.Huntington assessed a $monthly maintenance fee in accordance with the terms of the account.October 5,2015:Since the account was negative for five or more consecutive days, Huntington assessed a $25.00extended overdraft fee.October 13,2015:Our records show that you spoke to our Customer Assistance Team regarding the negative balance ofyour checking accountThey agreed to refund the $monthly maintenance fee and the $25.00extended overdraft fee as a courtesy and to close your checking account at a zero balanceWe areunable to locate a record of a request to have the money market account closed.Money Market Account ending in ***:November 30,2015:Huntington assessed a $monthly maintenance feeThis fee was assessed because you fell belowthe required minimum balance on the account. December 4,5:Since the account was negative for five or more consecutive days, Huntington assessed a $25.00extended overdraft fee.December 11,2015:Huntington assessed a $extended overdraft fee.December 16,2015:Our Customer Assistance Team attempted to reach you and left a voice mail message asking you tocontact us regarding the balance owed to your money market account.December 18,2015:Huntington assessed a $extended overdraft fee.December 19,2015:Our Customer Assistance Team contacted you to discuss this accountYou stated that the accountshould be closed and you disconnected the telephone call.December 22,5:Our Customer Assistance Team attempted to reach you again and left a voice mail message asking youto contact us regarding the balance owed to your money market account.December 28,2015:Huntington assessed a $extended overdraft fee.December 31,2015:Huntington assessed a $monthly maintenance fee.January 1,2016:We have reviewed your account and call logs and we are unable to locate a record of a phone call to ourcustomer service center or a record that a complaint was filed.January 10,2016:We reviewed the recorded telephone conversation with our Phone Bank customer service and found thefollowing:You stated that the money market account was supposed to have been closed in Septemberwhen your checking account was closed.You stated that you received an account statement showing monthly maintenance fees andextended overdraft fees that had accrued.Our agent explained that since it was a Sunday, the department you needed to speak with wasclosed and advised you to follow up the following day to address the matter further.January 11,6:We reviewed the recorded telephone conversation with our Phone Bank customer service and found thefollowing:Our agent asked questions so we may verify your identityYou requested to speak with asupetvisor.Sarah (*** *** ***) listened to your concerns and explained that she would transferyour call to our Customer Assistance TeamYou stated that you would not be placed on hold anylonger and disconnected the conversation.January 14,2016We spoke to you by telephone and during that conversation, we refunded the two $monthlymaintenance fees and the four $extended overdraft fees as a courtesyThis brought your accountbalance to zeroWe then closed your money market account per your request.Ms***, we apologize for any confusion or inconvenience this matter may have caused youPleasenote that Huntington does not report checking account, savings account or money market accountinformation to the national credit reporting agenciesIf you have additional questions, please feel free tocall me directly at ###-###-#### or toll free at ###-###-#### Ext ***We appreciate your business andthe opportunity to address your concerns.Bob A***
Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding *** ***, which we received on January 23, for review Please accept this correspondence as our confirmation that we have
completed a thorough review of this matter and have contacted *** *** directly in order to provide our response If you have any questions, or need further assistance, you’re welcome to contact us at your first convenienceSincerely, The Customer Advocacy Team Huntington National Bank
This issue is still not fixedThis is try #with Huntington I just got more of these junk checks in the mail last week
I am rejecting the banks response for the following reasons, and rebuttals, November according to Equifax payment history payment was less than 30-days past due (as reported to the credit bureau By Huntington, on December was between 60-days past due according to the information reported to Equifax by Huntington bank on Jan according to Equifax was only 30-days past due not days past due, As reported by Huntington, No available record on any credit bureau for any payment after the charge off in January 2015, As far as the repossession fee of per vehicle the payment made on January that was reversed in February of we were told by the Branch where cash payment for the repossession redemption had happened the payment that was misappropriated was told to us was to include the next months payment, as you can see it was credited the account which showed paid to date and without any contact by the bank to us to ensure that the payment was reversed and "accidentally" misappropriated by the bank branch and again when we called to ensure we were up to date in January of We were never notified of any action taken against the account because there were multiple attempts to have a hardship agreement after I had lost my job but the bank said there is nothing that can be done to set up a payment plan to assist on keeping the loan current, was repeatedly told that there is nothing can be done unless you have the loan paid to date then we can help you so you don't get behindPass-a-Payment, Ticket voucher does not and the response about original complaint does not say that the Pass a Payment is required to be pre approved, and the requirement for the pass a payment was timely paymentsAnd according to the payment history reported to Equifax by Huntington bank, all payments until the attempted pass a payment, were made on time and in a timely manorOn June 17th when a request for pay off to be sent the dealership was never given the requested pay off for the vehicles Huntington bank response is that the loan has been charged off and only the original debtors are able to obtain a pay offConversation with Huntington advocate a payment resolution was reached and in fact agreed upon in writing via a resolution from CFPB was attempted to be made right but according to as the agreement use of verifiable funds could not be paid at the branch the account "could not be found" Huntington, is no longer the lien holder and a payment could not be made at a branchThe in query made was not interference to what company repossessed the vehicles I know that Huntington bank uses *** ***, I was inquiring as to why the payment mentioned in February was reversed and what the reversal was for and why were we not notified of the reversal, and why if the payments were made and verified by a bank branchWhy was held liable for a mistake on the banks side? Secondly my husband had spoken to Sara the *** *** for our Huntington bank from the loss and liquidation department was that we could set up a new payment agreement and when my husband called back to Huntington to agree to the terms from the new agreement Sara, was on vacation and spoke with her supervisor or so my husband was toldHer supervisor said that there will be no arrangement made that the only arrangement that Huntington would honor was the full payment of the loan and there is nothing that we (my husband and I) can do about it, until the loan is paid in full because that is the only way this will be fixedHe informed us that there is no agreement nor were there any notes on the account for an agreement what so ever. Here is a copy of the letter from Huntington bank...and the cars are currently in my possession
Dear Mr
***:
I’m
writing in response to your complaint filed with the Revdex.com
regarding your Huntington Checking account number ending in ***Huntington
received this Huntington received this matter on July 17, for review
Please
know that
we have completed a thorough review of this matterThrough our
research we found the following information:
December 8, through April 28,
2015:
Our
customer assistance team attempted to contact *** *** (joint account
holder) by phone to discuss the negative balance owed to her Business Checking
Account Number ending in ***
These
calls were intended to discuss the account, make a payment arrangement and a
possible fee refundsShe was unresponsive to our requests for a return call
April 30, 2015:
Since
a payment arrangement could not be made, Huntington charged off the account
number ending in *** with a $balance owed to Huntington
May 5, 2015:
Huntington
attempted to call *** to discuss the negative balance owed to her Business
Checking Account Number ending in ***, but she was unresponsive to our
requests for a return call
May 13, 2015:
Huntington
attempted to call *** to discuss the negative balance owed to her Business
Checking Account Number ending in ***, but she was unresponsive to our requests
for a return call
June 5, 2015:
Huntington
attempted to call *** to discuss the negative balance owed to her Business
Checking Account Number ending in ***, but she was unresponsive to our
requests for a return call
Set-Off:
We
have enclosed a copy of the “Agreement and Disclosure of Account Terms and
Rules and Regulations for Consumer Checking Accounts” documents that were given
to you when you opened your checking accountOn page 6, under “If You Owe Us
Money” it states:
If You
Owe Us Money:
If any
of you owe us money which is due, whether jointly with another or individually,
you agree that, unless prohibited by applicable law, we may use the money in
your account to pay the debt, regardless of the source of the funds in your
accountThis is our right of set-offWe will not be liable for the dishonor
of any check or other item, entry or transaction when the dishonor occurs
because we set-off a debt against your accountYou agree to indemnify us and
hold us harmless from any claim (including reasonable attorneys’ fees) arising
as a result of our exercise of our right of set-offIf your account is a joint
account, each of you also agrees that you are responsible to pay any overdraft
created on your account by any of you or as a result of fees or charges posting
to your account
June
5, 2015:
Huntington
debited $from the account ending *** and applied it to the outstanding
debt owed to her account ending in ***.
July
7, 2015:
Huntington
debited $from the account ending *** and applied it to the outstanding
debt owed to her account ending in ***
July
17, 2015:
Huntington
debited $from the account ending *** and applied it to the outstanding
debt owed to her account ending in ***
In
regards to your comments about the service you received by Jay D***Please
accept our apologies for not having delivered the level of service that we are
committed to providing youWe have reviewed the telephone conversations with
the appropriate level of Huntington management, so please know that your
comments have been heard and we are addressing any opportunities for
improvement.
Mr
***, please contact Huntington’s Liquidation and Recovery department at
###-###-#### to discuss your repayment and / or settlement options for the remaining
$amount owed to your account ending in *** If you have additional
questions, please feel free to call me directly at ***We appreciate your
business and the opportunity to address your concerns
Sincerely,
Bob
A***
Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding MrAndrew Kail which we received on February 27, for review Please accept this correspondence as our confirmation that we have
completed a thorough review of this matter and have contacted our customer directly in order to provide our response If you have any questions, or need further assistance, you’re welcome to contact us at your first convenienceSincerely, The Customer Advocacy Team Huntington National Bank
Dear *** ***I'm writing to respond to your recent complaint filed with the Revdex.com ("Revdex.com")regarding your Huntington Installment Loan account ending *** First, I'd like to apologizefor any inconvenience this matter may have caused you.Please note the following information about
your account:Prepayment Penalty: I've enclosed your Huntington Personal Loan agreement andhighlighted the area where it states that you may be charged a prepayment penalty onloans.I understand your frustration, and apologize for the situation you encountered.Unfortunately, the prepayment fee on this loan is a valid fee and cannot be waived.Please be assured that I have referred your comments to the proper product managementteam for their reviewWe have contacted Neil Huffrnan Honda regarding this matter and wethank you for making us aware of your concerns.If you have additional questions, please feel free to call me directly at ###-###-#### or at###-###-####, extension ***.Sincerely, *** *** *** ***
I received a letter from Huntington regarding the complaintThey refuse to do anything regarding my complaintEven though the teller at the bank still stands by the promotion being offered Huntington will not honor it saying there was not such a promotionThe manager at the bank aknowledges the was the promotion as wellHuntington also claims that they will charge interest those three days of the month due to their long discloser they said they read to meThe disclaimer is very difficult if not impossible to understand and I don't recall if they read it Regardless it's an easy way for this company to sit and switchThey are refusing to pay back the interest they are charging me and refuse to pay the sign up promotion fee of They only paid me They are dishonest with their business practices!
Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding S*** *** which we received on February 22, for review Please accept this correspondence as our confirmation that we have
completed a thorough review of this matter and have contacted Sarah Winter directly in order to provide our response If you have any questions, or need further assistance, you’re welcome to contact us at your first convenienceSincerely, The Customer Advocacy Team Huntington National Bank
To Whom It May Concern: Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding *** *** which we received on October 3, for reviewPlease accept this correspondence as our confirmation that we have completed a thorough review of this matter and have contacted *** *** directly in order to provide our responseIf you have any questions, or need further assistance, you’re welcome to contact us at your first convenienceSincerely, The Customer Advocacy Team Huntington National Bank
To Whom It May Concern: Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the rebuttal you forwarded to us regarding *** *** which we received on May 4, for review Please accept this correspondence as our confirmation that we have completed a thorough review of this matter and have contacted *** *** directly by email in order to provide our response If you have any questions, or need further assistance, you’re welcome to contact us at your first convenienceSincerely, The Customer Advocacy Team Huntington National Bank
The Huntington National BankCustomer Advocacy Team EA1W02*** *** ***
*** *** ***
August 3,
*** *** ***
*** *** ***
*** ** ***
*** *** *** ** ***
*** *** ** ***Dear *** ***:Thank you for contacting The
Huntington National Bank (“Huntington”)We are writing in response to thecomplaint you forwarded to us regarding *** ***, which we received on July 27, for review. Please accept this correspondence as our confirmation that we have completed a thorough review of thismatter and have contacted *** *** directly in order to provide our response.If you have any questions, or need further assistance, you’re welcome to contact us at your first convenience.Sincerely,The Customer Advocacy TeamHuntington National Bank
Dear Revdex.com: Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding *** ***, which we received on September 16, 2016 for review Please accept this correspondence as our
confirmation that we have completed a thorough review of this matter and we will be contacting our customer directly in order to provide our response If you have any questions, or need further assistance, you’re welcome to contact us at your first convenienceSincerely, The Customer Advocacy Team Huntington National Bank
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards, ***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me I disagree with a couple of the replies, but ultimately the issue is resolved so I prefer to move on.
Regards,
*** ***
Dear Mr***
I’m writing in response to your rebuttal to the Revdex.com case regarding your Huntington checking account number ending in ***
Although we regret that you are not satisfied, our position regarding this matter remains the sameOn November 12, Huntington refunded $in dormant account fees as a courtesyNo further courtesy dormant account fee refunds will be offered on this account
As stated in our previous correspondence and in our November 25, telephone conversation: In October 2013, Huntington was offering an account opening promotion where if you opened a Huntington account, we would credit your account a $bonusOur records show that on October 21, 2013, you opened an “Asterisk Free” checking accountHuntington credited the $promotional incentive to your account on October 28, 2013.
Please note the following:
Huntington’s “Asterisk Free” checking account is an account that offers multiple services with no monthly maintenance feeThe “Asterisk-Free Checking Account” disclosures explain the benefits of our Asterisks Free checking accountPlease note that on page 3, Section 4, under “Other Services From Huntington” explains other service provided by Huntington BankThis section explains that our accounts have a $dormant fee
Dormant Checking Accounts:
A Dormant fee is a per month charge if checking account is inactive for months; waived with a minimum balance of at least $1,or for minor accountsNot charged for accounts in IN and FL.
Mr***, in your rebuttal you have stated that other than the August 13, phone call, “no additional contact by either phone or email was made”
In our November 25, telephone conversation you confirmed that you have been receiving our monthly email notifications stating that your checking account statement is available for review through our Online Banking serviceThese checking account statements show that a $dormant account fee was charged to your account beginning with your May 6, statement.
Our records show that on November 27, 2015, you completed a $electronic transfer from your Huntington account to a third party accountThis account currently has a zero balance.
Mr***, if you wish to close your Huntington checking account or if you have any additional questions, please feel free to contact me directly at ###-###-#### or toll free at ###-###-#### (ask for extension ***)We appreciate your business and the opportunity to address your concerns.
Sincerely,
Bob A***
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The Huntington National Bank Customer Advocacy Team EA1W*** *** ***
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Dear *** ***: Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding *** ***, which we received on October 26, for review Please accept this correspondence as our confirmation that we have completed a thorough review of this matter and have contacted *** *** directly in order to provide our response If you have any questions, or need further assistance, you’re welcome to contact us at your first convenienceSincerely, The Customer Advocacy Team Huntington National Bank
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]Complaint: ***I am rejecting this response because:This respond did not help me to solve my problem!!!! You said my address indicated that I was still live in OhioThat is because Huntington does not have any location in California!!!! You don't allow me to use the online banking, and you don't allow me to talk to you on the phone when I called the customer service!!! How can I change my address?????!!!! Even through I could not close the account, but why do you keep taking out my money from my account???? You did not explain this to me?? Why was it different from what the banker told me when I open the account????You called me at my office hour, and I could not answer any phone call when I was at work.Regards,*** **
Dear Mr***I'm writing in response to your recent complaint filed with the Revdex.com (Revdex.com) regardingtheapplication of payments to your installment loan ending in *** held with the Hluntington NationalBank ("Huntington")Huntington received this matter for revie\v on November
2015.This letter is to summarize your conversations with Sean Roehrenbeckregarding the actions taken onyour loanPlease note the following:We confirmed that the amount of insurance payments that we received totaled exactly 24monthly paymentsWe have reapplied all of your payments starting April 19, as amonthly payment of $34.After we reapplied all of the monthly payments, this reflected the final insurance paymcnt onMarch 19,1.We confirmed that you started making monthly paynients in April .Prior to the application of the payment and adjustments your loan balance was $1and the balance after adjustments is now $34,104.03.Please know that we have also submitted a credit bureau correction up update thedelinquencies reporting on your loanPlease allow 30-days for this information to beupdated with each of the credit reporting agencies.I have also enclosed is a copy of the payment for your records.If I can be of any assistance or if you have questions, you are welcome to contact me at ############# ortoll free at ###-###-####- ext ####, and I'll be happy to assist you.Sincerely,Jessica L ***
Dear Ms***I'm writing in response to your correspondence addressed to the Consumer Financial Protection Bureau("CFPB") and to the Revdex.com ("Revdex.comn), regarding your concerns with your Checkingaccount number ending in *** and Money Market account number ending in *** with The
HuntingtonNational Bank ("Huntington")Huntington received this matter on January 12, for review,Please know that we have completed a thorough review of this matterAs a result of our review pleasenote the following information:August 10,2015:Our records show that you wrote a $51,personal check to yourself (check#1004)+W e haveenclosed a copy for your review.August 11,5:Our records show that you completed a $50,online transfer from your Huntington Money Marketaccount to your Huntington Checking account ending in *** to help fund the $51,check that youwrote.September 9,5:Our records also show that you completed an internet transfer of $from your money market accountending in *** to your checking account number ending in ***.Account Closing:When Huntington receives a request to close an account, a closing code is placed on the accountOncethe account is at a zero balance the account will closePlease note that if there is a positive or negativebalance, the account will not close.Huntington does not have a record ofa request to close your Huntington checking account or your moneymarket account.Please note the following timelines regarding your checking account number ending in *** and yourmoney market account number ending in ***:Checking account ending in ***:September 30,2015:Member FDIC JI+ and Huntingtonmare federally registered service marks of Huntington Bancshares Incorporated.Huntington assessed a $monthly maintenance fee in accordance with the terms of the account.October 5,2015:Since the account was negative for five or more consecutive days, Huntington assessed a $25.00extended overdraft fee.October 13,2015:Our records show that you spoke to our Customer Assistance Team regarding the negative balance ofyour checking accountThey agreed to refund the $monthly maintenance fee and the $25.00extended overdraft fee as a courtesy and to close your checking account at a zero balanceWe areunable to locate a record of a request to have the money market account closed.Money Market Account ending in ***:November 30,2015:Huntington assessed a $monthly maintenance feeThis fee was assessed because you fell belowthe required minimum balance on the account. December 4,5:Since the account was negative for five or more consecutive days, Huntington assessed a $25.00extended overdraft fee.December 11,2015:Huntington assessed a $extended overdraft fee.December 16,2015:Our Customer Assistance Team attempted to reach you and left a voice mail message asking you tocontact us regarding the balance owed to your money market account.December 18,2015:Huntington assessed a $extended overdraft fee.December 19,2015:Our Customer Assistance Team contacted you to discuss this accountYou stated that the accountshould be closed and you disconnected the telephone call.December 22,5:Our Customer Assistance Team attempted to reach you again and left a voice mail message asking youto contact us regarding the balance owed to your money market account.December 28,2015:Huntington assessed a $extended overdraft fee.December 31,2015:Huntington assessed a $monthly maintenance fee.January 1,2016:We have reviewed your account and call logs and we are unable to locate a record of a phone call to ourcustomer service center or a record that a complaint was filed.January 10,2016:We reviewed the recorded telephone conversation with our Phone Bank customer service and found thefollowing:You stated that the money market account was supposed to have been closed in Septemberwhen your checking account was closed.You stated that you received an account statement showing monthly maintenance fees andextended overdraft fees that had accrued.Our agent explained that since it was a Sunday, the department you needed to speak with wasclosed and advised you to follow up the following day to address the matter further.January 11,6:We reviewed the recorded telephone conversation with our Phone Bank customer service and found thefollowing:Our agent asked questions so we may verify your identityYou requested to speak with asupetvisor.Sarah (*** *** ***) listened to your concerns and explained that she would transferyour call to our Customer Assistance TeamYou stated that you would not be placed on hold anylonger and disconnected the conversation.January 14,2016We spoke to you by telephone and during that conversation, we refunded the two $monthlymaintenance fees and the four $extended overdraft fees as a courtesyThis brought your accountbalance to zeroWe then closed your money market account per your request.Ms***, we apologize for any confusion or inconvenience this matter may have caused youPleasenote that Huntington does not report checking account, savings account or money market accountinformation to the national credit reporting agenciesIf you have additional questions, please feel free tocall me directly at ###-###-#### or toll free at ###-###-#### Ext ***We appreciate your business andthe opportunity to address your concerns.Bob A***
Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding *** ***, which we received on January 23, for review Please accept this correspondence as our confirmation that we have
completed a thorough review of this matter and have contacted *** *** directly in order to provide our response If you have any questions, or need further assistance, you’re welcome to contact us at your first convenienceSincerely, The Customer Advocacy Team Huntington National Bank
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards,
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