I do not accept this responseI would like to see where in the terms and conditions it says that it's ok to close my account without notification and what it says specifically in your rules and regulations that led to your decision to so rudely close my account in such a manner
I'm rejecting this on so many different levels I've tried to tell my story in a way that everyone can understand, then followed it with proof that the promotion was running at the time of sign up Obviously Huntington Bank does not value my business, my family's business, or my employer's business or they would do the right thing and honor their word I've emailed or called the CEO, CFO, customer service supervisors, regional managers, district mangers, branch managers, and tellers Very few of these people have taken the time to see what was wrong and how we could resolve this The ones that have called or I've talked to just keep spitting the company line and can't wrap their mind around the fact that I'm right.So I will NOT accept a $gift card when I was told if I did A,B,C I'd get $cash Huntington Bank is even running this promotion currently in their branches As I've explained to number of people at Huntington Bank I'd like to remain a customer because a lot of the services you offer I use I enjoy the days a week banking, the closeness to my house, and the low fees for the various services I'm holding out hope that Huntington Bank will do the right thing and honor their word, I'd like remain a customer I'm trying really hard but what is right is right, and I know I'm right
Regards,
*** ***
You are now going against everything you said in your previous rebuttal." This letter also states “To prevent your account from being reported to credit agencies, we need to receive and apply your payment before the date listed above”. This means that even though the payment is past due, once the past due payment is received Huntington can reapply the payment to the due date listed on the letter as a courtesyWe have enclosed a copy of the letters sent to you on June 24, and August 22, "The dates listed in the letters were passed due, no where in the letter that was sent, does it mention the "prompt payment deadline" you are suggesting, the only date on the letter was the past due dateAs mentioned previously, as soon as I received the letters the amount was paidI was out of the country this past August and paid promptly on finding my account past dueAs I mentioned before your company failed to process my pass a payment voucher. My lawyer has been contacted, and my account with you has been closed since 11/A courtesy was never given to my account as you mentioned before.
Regards, *** ***
Dear *** ***
I am writing in response to your complaint filed with the Revdex.com (“Revdex.com”) regarding unauthorized transactions that occurred on your checking account and all associated feesHuntington received this matter for review on May 8,
In your response to us, you were requesting we dispute additional transactions from *** which included $from March 23, 2015, and $from April 29, We contacted you by phone on Monday, May 4, and requested you provide us with the additional forms in order to process the ACH dispute as you were requesting
We received your dispute form on May 7, 2015, and we submitted an ACH dispute on your behalf with reference number *** including both of the transactions totaling $On May 7, 2015, you were reimbursed for the two disputed transactions for $and $totaling $as you had requestedHuntington refunded one additional overdraft fee in the amount of $on May 7,
At this time, you have been credited for a total of $for the reported unauthorized transactionsWe have refunded you for all fees associated with the unauthorized transactions totaling $for a grand total of $1,in reimbursement for unauthorized transactions and fees as of May 8, including all ACH disputes discussed currently in this letter and in our previous correspondence to you on May 1,
Please take the proper precautions by closing your current checking account and opening a new accountThis process will help protect your account from any future fraudulent attempts from *** as well as any other merchantPlease understand that *** does have your account number and routing number and can continue to attempt to withdrawal funds from it at any time if the account remains open and active
We sincerely apologize for any inconvenience this process may have caused youIf you have further questions or concerns, you’re welcome to call me directly at ###-###-#### or toll free at ###-###-####, extension *** and I’ll be happy to assist you
Sincerely,
*** ***
*** ***
I’m
writing in response to your complaint filed with the Revdex.com
regarding your Huntington Checking account number ending in ***It was a
pleasure talking with you on the telephone and this letter is a follow up to
our conversation
Please note
the
following:
You opened this Huntington Checking account on
January 27, This account was eligible for a $bonus if you
complete debit card purchases OR set up a direct deposit of $or
more within days of the account opening
Unfortunately, you did not have complete any debit
card purchases or set up a direct deposit within the day period (March
28, 2015)
Our records show that on March 11, 2015, Toni
Bowles, Personal banker, ordered deposit tickets ($13.98) and personal
checks ($26.87) per your request
As a
courtesy, we have refunded deposit ticket order fee and personal check order
fees totaling $We have also refunded the $Early Close out fee
(charged for closing the account prior to six months)
As you
requested, we have closed your checking account and we applied the $1,
account balance to the enclosed a check.
We certainly
understand your frustration, and apologize for any inconvenience that this
matter may have causedIf I may be of further assistance to you, please feel
free to contact me directly at ###-###-#####We appreciate your business and
the opportunity to respond to your concerns.
Sincerely,
*** ***
*** ***
Customer
Advocacy Response Team
Dear Ms***:
I’m
writing in response to your concerns addressed with the Revdex.com
(“Revdex.com”) dated June 29, 2015, regarding your checking account ending in *** held
with Huntington National Bank (“Huntington”).
Huntington received this complaint
for review on June 29,
We have confirmed that your checking account and credit
reserve account were closed on July 2, with a zero balance
We apologize for any inconvenience that you may have
experienced caused the delay in closing your accounts. We
regret that our service did not meet the standards that you and Huntington
expect to be offered to our customersI have discussed your comments with the
banking office management teamsWhile we are sincerely dismayed to learn of
your experience, we thank you for making us aware of the details
If you
have any additional questions or concerns, you’re welcome to contact me at
###-###-#### or ###-###-####, extension ***
Sincerely,
*** ***
Dear Mr. [redacted]
We are responding to your concern sent to the Revdex.com (“Revdex.com”) regarding an application for credit with the Huntington National Bank. While we are sincerely dismayed to learn of your experience, we thank you for making us aware of the details.
Our research...
revealed that your wife’s credit was pulled in error due to a miscommunication. We sincerely apologize for any inconvenience that you may have experienced due to the described matter. The banker believed your wife’s income was necessary to obtain loan approval and misunderstood your intentions, believing he had the verbal authorization to include her in the transaction.
With written authorization from Ms. [redacted] we will request that the inquiry be suppressed. I have included a sample document for her to complete and return to my attention at the above address. Once received, it will be submitted to Equifax. Please allow 30-45 business days from that time for Equifax to update their records.
Thank you, Mr. [redacted] for your business and the opportunity to address your concerns. If you have any additional questions or concerns or wish to discuss this matter further, you’re welcome to contact me at ###-###-#### or ###-###-####, extension [redacted].
Sincerely, [redacted]
They contacted me and said the fees where just. They charged me three fee four days after the transaction happened. I had 2 ach and one credit card transaction on friday. They put the highest value one first which made all three transactions get fees. The highest fee one, at least the previous two times weeks, was taken out on tuesday the following week. Not on the friday they took it out. This is where I order food from so I get from them every week. I agreed, and have paid, to pay one of these fees of $36 but not all of them. I also had told them many times that to not to allow a ach to go through if there is no money in the account. They didn't listen.
Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding [redacted], which we received on January 16, 2018 for review. Please accept this correspondence as our confirmation that we have completed...
a thorough review of this matter and have contacted [redacted] 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 Team Huntington National Bank
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
Dear Mr. [redacted]I am writing in response to your complaint filed with the Revdex.com ("Revdex.com") regardingoverdraft fees charged to your checking account held with the Huntington National Bank ("Huntington")ending in [redacted]. Huntington received this matter on July 9,2015 for review.I have...
reviewed your concern and found that on July 1,201 5, you were issued provisional credit of$25.00 to your account for the missing deposit you initiated on June 29,2015. I have enclosed a copy ofthe letter notification that was sent to you on July I, 2015.Please accept our sincere apologies for your experience. Providing our customers with an excellentHuntington experience is our goal, and we are disappointed when we fall short. Also, please know thatyour comments have been heard and forwarded to the appropriate level of management for considerationfor process improvement and retraining. On July 14,2015, we refunded the 3 overdraft fees of $37.50you incurred on June 30,2015, for a total refund of $112.50.If you have any further questions or concerns, you're welcome to contact me at ###-###-#### or ###-###-####.
I have yet to recieve my money back and havent been updayed on the matter in recent past about any progression in the matter. I have gotten a response from 6 on your side. Maybe they can expedite the matter?Thank you, [redacted]
I’m writing in response to rebuttal filed with the RevDex.com (“Revdex.com”) dated November 23, 2015, regarding your checking account ending
in [redacted] formerly held with Huntington National Bank (“Huntington”). Huntington received this complaint for review
on November 23, 2015.
Huntington’s position on this matter has not changed. We apologize for any inconvenience that you
have experienced due to your checking account ending in [redacted] being closed on
November 9, 2015, owing a balance of -$136.00.
We have verified that your payment of $20.00 to [redacted] was returned
unpaid on September 9, 2015, due to non-sufficient funds. For your convenience,
we have enclosed a copy of the NOTICE OF INSUFFICIENT FUNDS that was mailed on
September 9, 2015, to your address.
According to our records, attempts were made to contact you
by our Customer Assistance Team by phone on September 23, 28, and October 2, 6,
14, and 30, 2015, with no success. If
you wish to make payment arrangements for the amount owed of -$136.00, please
contact our Customer Assistance Team at ###########
If you have additional questions, please feel free to call
me directly at ######or at #####extension [redacted] We
appreciate your business and the opportunity to address your concerns.
I'm writing in response to your complaint filed with tlie Better Business Burea~("Revdex.com") regarding yourrecent service issues you ellcountered with receiving your Mastercard for your checking account numberending in [redacted] with The Huntington National Bank ("Huntington"). Huntington received this matter...
forreview on December 15, 2015.I have confirmed that on November 28, 2015, debit card ending in [redacted] was ordered and rushed to you .At this time a rush fee was charged. Per our conversation, on December 15. 2015, you stated that you didnot receive this card. I have verified with the FedEx tracking number provided that it was delivered onDecember 1, 2015. I have also confirmed that on December 8, 2015, the $25.00 rush card fee wasrefunded to your account as you were previously informed the fee doubled charged.Per our conversation as you never received the previous card, I had a debit card rushed to your verifiedaddress at no cost to you. I confimied on December 21, 2015. that the debit card was received andactivated on December 18, 2015.Thank you for taking the time to bring this matter to our attention. Providing customers with an excellentHuntington experience is our goal, and we are disappointed when we fall short. As we discussed. pleaseknow that your comments have been heard and forwarded to the appropriate level of management as acoaching opportunity.If I may be of any future assistance, you're welcome to contact lne at ###-###-#### or ###-###-#### ext. 18504.Sincerely.
Closed case with phone call with customer and resolution comments to Revdex.com:-Apologized for any inconvenience (customer explained that her 14 year old granddaughter stole her debit card and number and made ATM cash withdrawals and now she is missing)-Confirmed the debit card used is now...
closed-Explained that the banking office is unable to close an account with an amount owed-Agreed to work with customer and we have now placed a hold on her account to stop the weekly extended overdraft fees-Refunded $420.50 in fees as a courtesy and explained that the amount owed on her account is now $802.48 which consists of the ATM withdrawals made ($337.50 overdraft fees, $50.00 extended overdraft fees, and $32.00 in non-hnb atm fees)-Customer was very appreciative and now would like to keep the account open -Customer confirmed that she would be able to cure the amount owed within a few weeks at which time we would release the hold and order a new debit card for her-Provided PRU contact info
Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding [redacted], which we received on May 30, 2017 for review. Please accept this correspondence as our confirmation that we have...
completed a thorough review of this matter and have contacted [redacted] 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 Team Huntington National Bank
Dear Mr. [redacted]:
I’m writing in response to your complaint filed with the Revdex.com (“Revdex.com”) regarding your concerns with your installment loan account number ending in [redacted] with Huntington National Bank (“Huntington”). We received this matter on February 23, 2016 for review.
We have...
attempted to reach you by telephone regarding this matter, but have been unsuccessful. Please know that we have completed a thorough review of this matter. Please note the following timeline:
December 10, 2014:
Huntington received notification that you no longer had the required insurance coverage on the collateral of this loan. This notification stated that your insurance policy had lapsed as of November 20, 2014. We sent the enclosed letter stating:
• Please furnish evidence of insurance that meets the following conditions. We will be unable to accept insurance information that does not meet all of these conditions:
1. A loss payable clause naming the Huntington National Bank as lienholder.
2. Full Collateral Description.
3. Comprehensive and collision, insuring the collateral against collision, fire, theft, or other physical damage.
4. Effective and Expiration Dates for the coverage
• This letter also included instructions on how you or your insurance agent can provide this information to Huntington.
January 7, 2015:
Huntington sent the enclosed letter marked “Final Notice” asking you to furnish evidence of insurance. This letter states:
• If you do not furnish evidence of a physical damage insurance policy, The Huntington National Bank may purchase insurance coverage effective November 20, 2014 and add the yearly premium of $1,367.00 to the principal loan balance. The resulting increase in your loan balance may increase your loan payment.
• If we do buy insurance coverage for the vehicle, it may be more expensive than insurance you can buy yourself.
• The insurance we purchase is intended solely to protect our security interest and will not provide liability coverage or personal injury protection.
January 21, 2015:
Huntington sent the enclosed letter stating that as of November 20, 2014, evidence that you have purchased or maintained the physical damage insurance required by the terms of your loan agreement has not been provided to the creditor; the Huntington National Bank. This letter states:
• Huntington has purchased a policy for you for the period of November 20, 2014 to November 20, 2015 in the amount of $1,367.00.
• This amount has been added to your loan account principal balance and you must pay the insurance premium in addition to your regular scheduled installment and any other amounts due.
• This purchased insurance is generally more expensive than the insurance you can buy yourself. We strongly encourage you to purchase your own insurance.
February 24, 2015:
Huntington sent the enclosed letter marked “Important Notice”. This letter states:
• Your Loan Agreement requires you to have collateral damage insurance on the vehicle listed below until you pay off your loan. As of the date of this letter, we have not received proof of insurance on the vehicle.
• This letter reiterates the information regarding the $1,367.00 insurance premium added to your loan for the Huntington purchased policy from November 20, 2014 to November 20, 2015.
• As of your next payment due date, your monthly payment will increase. An invoice will be sent to you every month reflecting this new payment. Paying your former monthly payment amount will cause your loan to become delinquent. Once your loan becomes delinquent, we may pursue all available legal remedies to collect the past due amount. This includes, but is not limited to, repossession of the vehicle if the past due amount in not paid.
April 1, 2015:
Huntington sent the enclosed letter marked “Creditor Placed Insurance Cancel Notice”. This letter states:
• Thank you for providing The Huntington National Bank with the requested insurance information on the vehicle listed below. The collateral protection insurance policy issued to cover the vehicle has been canceled effective December 26, 2014.
• You will be responsible for the period of time that your insurance coverage lapsed. The premium charge for this period of time is $135.00.
April 18, 2015:
Huntington sent a billing statement stating that your amount due to this loan for your April 28, 2015 payment is $414.88 (this amount includes the insurance amount owed to this account. We have enclosed a copy of the billing statement sent to you for your review.
May 19, 2015:
Huntington sent a billing statement stating that your amount due to this loan for your May 28, 2015 payment is $729.37 (this amount includes the insurance amount owed, the amount owed for your April 28, 2015 payment and the amount owed for your May 28, 2015 payment). We have enclosed a copy of the billing statement sent to you for your review.
June 17, 2015:
Our records show that Huntington received notification that you no longer had the required insurance coverage on the collateral of this loan. Between June 17, 2015 and August 12, 2015 we sent the same set of letters requesting you to furnish evidence of insurance, including a letter stating that we have purchased an insurance policy on your behalf in the amount of $1,251.00. We have enclosed a copy of these letters for your review.
September 9, 2015:
Huntington received evidence that you have obtained the required insurance coverage. The $1,251.00 insurance policy was canceled prior to being added to the principal balance of your loan. We have enclosed a copy of your cancelation notice for your review.
Huntington has continued to send monthly billing statements to you. Our records show that you have not paid the amount listed on these statements. We have enclosed a copy of your payment history for your review.
February 24, 2016:
We contacted you and left a voice message stating the following:
• If you make a $35.00 payment, we will backdate to June 12, 2015.
• When will then take your June 12, 2015 payment in the amount of $100.00 and the $35.00 payment and apply it the insurance amount owed to this loan (effective June 12, 2015).
• This will recalculate your loan and the late fees charged to this account from July 2015 to February 2016 will no longer be valid and will be removed from your account.
February 26, 2016:
Our records show that you made a $40.00 payment to this loan. We have backdated this payment to June 12, 2015. We have enclosed an updated payment history showing the adjustment to your loan. As of the date of this letter, your loan is due for the March 28, 2016 payment.
We sincerely regret any confusion regarding this situation. If you have additional questions regarding your Huntington loan, please feel free to contact me directly at ###-###-#### or toll free at ###-###-####. We appreciate your business and the opportunity to address your concerns.
Sincerely,
Bob A[redacted]
Dear [redacted] I’m
writing in response to your complaint filed with the Revdex.com
regarding your Huntington Checking account number ending in [redacted] Huntington
received this Huntington received this matter on April 29, 2015 for review.
Please
know that we...
have completed a thorough review of this matter. Through our research
we found the following information:
January 13, 2015:
·
You
visited the [redacted] banking office to open an account
and inquire about removing your name from account number ending in [redacted]
· [redacted], banking office manager, explained that in order to remove your name
from an account:
o Both you and the
joint account holder must be present to complete a signature card naming him as
the only user. OR
o You may close the
account (please note that in order to close an account, all account activity
must be stopped immediately including the joint users activity).
· [redacted]
opened a new account for you, account number ending in [redacted]
·
Our
records show that you did not request to close account number ending in [redacted]
March 16 – April 7, 2015:
Our customer assistance team
attempted to contact you to make a payment arrangement because the account
ending [redacted] had a negative balance but was unsuccessful.
April 8, 2015:
Since a payment arrangement could
not be made, Huntington used our right to set-off the account ending [redacted]
to pay the outstanding debt owed to your account ending in [redacted] ($347.72).
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 account. On 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
account. This is our right of set-off. We 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 account. You 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-off. If 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.
April 8, 2015 cont.:
You contacted our customer
assistance team regarding the $347.72 Set-off and stated that you had
asked to be taken off of the checking account ending in [redacted]
We agreed to replace the $347.72
back into your checking account number ending in [redacted] and you were asked
to contact the banking office to complete the name removal process or
close the account.
April 21, 2015:
Since Huntington did not receive
a response to three voice mails left regarding the outstanding debt and
since your name was still associated with the account, our customer
assistance team used our right to set-off the account ending [redacted] to pay
the outstanding debt owed to your account ending in [redacted] ($372.72).
April 28, 2015:
·
You
contacted our customer assistance team regarding the $372.72 debit to your
account number ending in [redacted].
o [redacted]) reiterated
that your options regarding removing your name.
o
[redacted] refunded $100.00 of the $372.72 set-off to your account ending in [redacted] and
agreed to place the account in a closed status per your request.
o
[redacted]
stated that as long as the account does not have any transactions, the account
will close after the $34.54 [redacted] pending transaction.
April 30, 2015:
·
After
the $34.54 [redacted] transaction posted, the account was closed with a zero balance.
[redacted], we appreciate your feedback and sincerely apologize that we did not
meet your expectations. If you have additional questions, please feel free to
call me directly at ############We appreciate your business and the opportunity to
address your concerns.
I do not accept this responseI would like to see where in the terms and conditions it says that it's ok to close my account without notification and what it says specifically in your rules and regulations that led to your decision to so rudely close my account in such a manner
I'm rejecting this on so many different levels I've tried to tell my story in a way that everyone can understand, then followed it with proof that the promotion was running at the time of sign up Obviously Huntington Bank does not value my business, my family's business, or my employer's business or they would do the right thing and honor their word I've emailed or called the CEO, CFO, customer service supervisors, regional managers, district mangers, branch managers, and tellers Very few of these people have taken the time to see what was wrong and how we could resolve this The ones that have called or I've talked to just keep spitting the company line and can't wrap their mind around the fact that I'm right.So I will NOT accept a $gift card when I was told if I did A,B,C I'd get $cash Huntington Bank is even running this promotion currently in their branches As I've explained to number of people at Huntington Bank I'd like to remain a customer because a lot of the services you offer I use I enjoy the days a week banking, the closeness to my house, and the low fees for the various services I'm holding out hope that Huntington Bank will do the right thing and honor their word, I'd like remain a customer I'm trying really hard but what is right is right, and I know I'm right
Regards,
*** ***
You are now going against everything you said in your previous rebuttal." This letter also states “To prevent your account from being reported to credit agencies, we need to receive and apply your payment before the date listed above”. This means that even though the payment is past due, once the past due payment is received Huntington can reapply the payment to the due date listed on the letter as a courtesyWe have enclosed a copy of the letters sent to you on June 24, and August 22, "The dates listed in the letters were passed due, no where in the letter that was sent, does it mention the "prompt payment deadline" you are suggesting, the only date on the letter was the past due dateAs mentioned previously, as soon as I received the letters the amount was paidI was out of the country this past August and paid promptly on finding my account past dueAs I mentioned before your company failed to process my pass a payment voucher. My lawyer has been contacted, and my account with you has been closed since 11/A courtesy was never given to my account as you mentioned before.
Regards, *** ***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards,
*** ***
Dear *** ***
I am writing in response to your complaint filed with the Revdex.com (“Revdex.com”) regarding unauthorized transactions that occurred on your checking account and all associated feesHuntington received this matter for review on May 8,
In your response to us, you were requesting we dispute additional transactions from *** which included $from March 23, 2015, and $from April 29, We contacted you by phone on Monday, May 4, and requested you provide us with the additional forms in order to process the ACH dispute as you were requesting
We received your dispute form on May 7, 2015, and we submitted an ACH dispute on your behalf with reference number *** including both of the transactions totaling $On May 7, 2015, you were reimbursed for the two disputed transactions for $and $totaling $as you had requestedHuntington refunded one additional overdraft fee in the amount of $on May 7,
At this time, you have been credited for a total of $for the reported unauthorized transactionsWe have refunded you for all fees associated with the unauthorized transactions totaling $for a grand total of $1,in reimbursement for unauthorized transactions and fees as of May 8, including all ACH disputes discussed currently in this letter and in our previous correspondence to you on May 1,
Please take the proper precautions by closing your current checking account and opening a new accountThis process will help protect your account from any future fraudulent attempts from *** as well as any other merchantPlease understand that *** does have your account number and routing number and can continue to attempt to withdrawal funds from it at any time if the account remains open and active
We sincerely apologize for any inconvenience this process may have caused youIf you have further questions or concerns, you’re welcome to call me directly at ###-###-#### or toll free at ###-###-####, extension *** and I’ll be happy to assist you
Sincerely,
*** ***
*** ***
I’m
writing in response to your complaint filed with the Revdex.com
regarding your Huntington Checking account number ending in ***It was a
pleasure talking with you on the telephone and this letter is a follow up to
our conversation
Please note
the
following:
You opened this Huntington Checking account on
January 27, This account was eligible for a $bonus if you
complete debit card purchases OR set up a direct deposit of $or
more within days of the account opening
Unfortunately, you did not have complete any debit
card purchases or set up a direct deposit within the day period (March
28, 2015)
Our records show that on March 11, 2015, Toni
Bowles, Personal banker, ordered deposit tickets ($13.98) and personal
checks ($26.87) per your request
As a
courtesy, we have refunded deposit ticket order fee and personal check order
fees totaling $We have also refunded the $Early Close out fee
(charged for closing the account prior to six months)
As you
requested, we have closed your checking account and we applied the $1,
account balance to the enclosed a check.
We certainly
understand your frustration, and apologize for any inconvenience that this
matter may have causedIf I may be of further assistance to you, please feel
free to contact me directly at ###-###-#####We appreciate your business and
the opportunity to respond to your concerns.
Sincerely,
*** ***
*** ***
Customer
Advocacy Response Team
Dear Ms***:
I’m
writing in response to your concerns addressed with the Revdex.com
(“Revdex.com”) dated June 29, 2015, regarding your checking account ending in *** held
with Huntington National Bank (“Huntington”).
Huntington received this complaint
for review on June 29,
We have confirmed that your checking account and credit
reserve account were closed on July 2, with a zero balance
We apologize for any inconvenience that you may have
experienced caused the delay in closing your accounts. We
regret that our service did not meet the standards that you and Huntington
expect to be offered to our customersI have discussed your comments with the
banking office management teamsWhile we are sincerely dismayed to learn of
your experience, we thank you for making us aware of the details
If you
have any additional questions or concerns, you’re welcome to contact me at
###-###-#### or ###-###-####, extension ***
Sincerely,
*** ***
Dear Mr. [redacted]
We are responding to your concern sent to the Revdex.com (“Revdex.com”) regarding an application for credit with the Huntington National Bank. While we are sincerely dismayed to learn of your experience, we thank you for making us aware of the details.
Our research...
revealed that your wife’s credit was pulled in error due to a miscommunication. We sincerely apologize for any inconvenience that you may have experienced due to the described matter. The banker believed your wife’s income was necessary to obtain loan approval and misunderstood your intentions, believing he had the verbal authorization to include her in the transaction.
With written authorization from Ms. [redacted] we will request that the inquiry be suppressed. I have included a sample document for her to complete and return to my attention at the above address. Once received, it will be submitted to Equifax. Please allow 30-45 business days from that time for Equifax to update their records.
Thank you, Mr. [redacted] for your business and the opportunity to address your concerns. If you have any additional questions or concerns or wish to discuss this matter further, you’re welcome to contact me at ###-###-#### or ###-###-####, extension [redacted].
Sincerely, [redacted]
Attached letter states that we have contacted Mr. [redacted] directly and we have addressed his concerns.
They contacted me and said the fees where just. They charged me three fee four days after the transaction happened. I had 2 ach and one credit card transaction on friday. They put the highest value one first which made all three transactions get fees. The highest fee one, at least the previous two times weeks, was taken out on tuesday the following week. Not on the friday they took it out. This is where I order food from so I get from them every week. I agreed, and have paid, to pay one of these fees of $36 but not all of them. I also had told them many times that to not to allow a ach to go through if there is no money in the account. They didn't listen.
Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding [redacted], which we received on January 16, 2018 for review. Please accept this correspondence as our confirmation that we have completed...
a thorough review of this matter and have contacted [redacted] 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 Team Huntington National Bank
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards, [redacted]
Dear Mr. [redacted]I am writing in response to your complaint filed with the Revdex.com ("Revdex.com") regardingoverdraft fees charged to your checking account held with the Huntington National Bank ("Huntington")ending in [redacted]. Huntington received this matter on July 9,2015 for review.I have...
reviewed your concern and found that on July 1,201 5, you were issued provisional credit of$25.00 to your account for the missing deposit you initiated on June 29,2015. I have enclosed a copy ofthe letter notification that was sent to you on July I, 2015.Please accept our sincere apologies for your experience. Providing our customers with an excellentHuntington experience is our goal, and we are disappointed when we fall short. Also, please know thatyour comments have been heard and forwarded to the appropriate level of management for considerationfor process improvement and retraining. On July 14,2015, we refunded the 3 overdraft fees of $37.50you incurred on June 30,2015, for a total refund of $112.50.If you have any further questions or concerns, you're welcome to contact me at ###-###-#### or ###-###-####.
I have yet to recieve my money back and havent been updayed on the matter in recent past about any progression in the matter. I have gotten a response from 6 on your side. Maybe they can expedite the matter?Thank you, [redacted]
Dear Mr. [redacted]:
I’m writing in response to rebuttal filed with the RevDex.com (“Revdex.com”) dated November 23, 2015, regarding your checking account ending
in [redacted] formerly held with Huntington National Bank (“Huntington”). Huntington received this complaint for review
on November 23, 2015.
Huntington’s position on this matter has not changed. We apologize for any inconvenience that you
have experienced due to your checking account ending in [redacted] being closed on
November 9, 2015, owing a balance of -$136.00.
We have verified that your payment of $20.00 to [redacted] was returned
unpaid on September 9, 2015, due to non-sufficient funds. For your convenience,
we have enclosed a copy of the NOTICE OF INSUFFICIENT FUNDS that was mailed on
September 9, 2015, to your address.
According to our records, attempts were made to contact you
by our Customer Assistance Team by phone on September 23, 28, and October 2, 6,
14, and 30, 2015, with no success. If
you wish to make payment arrangements for the amount owed of -$136.00, please
contact our Customer Assistance Team at ###########
If you have additional questions, please feel free to call
me directly at ######or at #####extension [redacted] We
appreciate your business and the opportunity to address your concerns.
Sincerely,
John W[redacted]
[redacted]
I'm writing in response to your complaint filed with tlie Better Business Burea~("Revdex.com") regarding yourrecent service issues you ellcountered with receiving your Mastercard for your checking account numberending in [redacted] with The Huntington National Bank ("Huntington"). Huntington received this matter...
forreview on December 15, 2015.I have confirmed that on November 28, 2015, debit card ending in [redacted] was ordered and rushed to you .At this time a rush fee was charged. Per our conversation, on December 15. 2015, you stated that you didnot receive this card. I have verified with the FedEx tracking number provided that it was delivered onDecember 1, 2015. I have also confirmed that on December 8, 2015, the $25.00 rush card fee wasrefunded to your account as you were previously informed the fee doubled charged.Per our conversation as you never received the previous card, I had a debit card rushed to your verifiedaddress at no cost to you. I confimied on December 21, 2015. that the debit card was received andactivated on December 18, 2015.Thank you for taking the time to bring this matter to our attention. Providing customers with an excellentHuntington experience is our goal, and we are disappointed when we fall short. As we discussed. pleaseknow that your comments have been heard and forwarded to the appropriate level of management as acoaching opportunity.If I may be of any future assistance, you're welcome to contact lne at ###-###-#### or ###-###-#### ext. 18504.Sincerely.
Closed case with phone call with customer and resolution comments to Revdex.com:-Apologized for any inconvenience (customer explained that her 14 year old granddaughter stole her debit card and number and made ATM cash withdrawals and now she is missing)-Confirmed the debit card used is now...
closed-Explained that the banking office is unable to close an account with an amount owed-Agreed to work with customer and we have now placed a hold on her account to stop the weekly extended overdraft fees-Refunded $420.50 in fees as a courtesy and explained that the amount owed on her account is now $802.48 which consists of the ATM withdrawals made ($337.50 overdraft fees, $50.00 extended overdraft fees, and $32.00 in non-hnb atm fees)-Customer was very appreciative and now would like to keep the account open -Customer confirmed that she would be able to cure the amount owed within a few weeks at which time we would release the hold and order a new debit card for her-Provided PRU contact info
Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding [redacted], which we received on May 30, 2017 for review. Please accept this correspondence as our confirmation that we have...
completed a thorough review of this matter and have contacted [redacted] 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 Team Huntington National Bank
Dear Mr. [redacted]:
I’m writing in response to your complaint filed with the Revdex.com (“Revdex.com”) regarding your concerns with your installment loan account number ending in [redacted] with Huntington National Bank (“Huntington”). We received this matter on February 23, 2016 for review.
We have...
attempted to reach you by telephone regarding this matter, but have been unsuccessful. Please know that we have completed a thorough review of this matter. Please note the following timeline:
December 10, 2014:
Huntington received notification that you no longer had the required insurance coverage on the collateral of this loan. This notification stated that your insurance policy had lapsed as of November 20, 2014. We sent the enclosed letter stating:
• Please furnish evidence of insurance that meets the following conditions. We will be unable to accept insurance information that does not meet all of these conditions:
1. A loss payable clause naming the Huntington National Bank as lienholder.
2. Full Collateral Description.
3. Comprehensive and collision, insuring the collateral against collision, fire, theft, or other physical damage.
4. Effective and Expiration Dates for the coverage
• This letter also included instructions on how you or your insurance agent can provide this information to Huntington.
January 7, 2015:
Huntington sent the enclosed letter marked “Final Notice” asking you to furnish evidence of insurance. This letter states:
• If you do not furnish evidence of a physical damage insurance policy, The Huntington National Bank may purchase insurance coverage effective November 20, 2014 and add the yearly premium of $1,367.00 to the principal loan balance. The resulting increase in your loan balance may increase your loan payment.
• If we do buy insurance coverage for the vehicle, it may be more expensive than insurance you can buy yourself.
• The insurance we purchase is intended solely to protect our security interest and will not provide liability coverage or personal injury protection.
January 21, 2015:
Huntington sent the enclosed letter stating that as of November 20, 2014, evidence that you have purchased or maintained the physical damage insurance required by the terms of your loan agreement has not been provided to the creditor; the Huntington National Bank. This letter states:
• Huntington has purchased a policy for you for the period of November 20, 2014 to November 20, 2015 in the amount of $1,367.00.
• This amount has been added to your loan account principal balance and you must pay the insurance premium in addition to your regular scheduled installment and any other amounts due.
• This purchased insurance is generally more expensive than the insurance you can buy yourself. We strongly encourage you to purchase your own insurance.
February 24, 2015:
Huntington sent the enclosed letter marked “Important Notice”. This letter states:
• Your Loan Agreement requires you to have collateral damage insurance on the vehicle listed below until you pay off your loan. As of the date of this letter, we have not received proof of insurance on the vehicle.
• This letter reiterates the information regarding the $1,367.00 insurance premium added to your loan for the Huntington purchased policy from November 20, 2014 to November 20, 2015.
• As of your next payment due date, your monthly payment will increase. An invoice will be sent to you every month reflecting this new payment. Paying your former monthly payment amount will cause your loan to become delinquent. Once your loan becomes delinquent, we may pursue all available legal remedies to collect the past due amount. This includes, but is not limited to, repossession of the vehicle if the past due amount in not paid.
April 1, 2015:
Huntington sent the enclosed letter marked “Creditor Placed Insurance Cancel Notice”. This letter states:
• Thank you for providing The Huntington National Bank with the requested insurance information on the vehicle listed below. The collateral protection insurance policy issued to cover the vehicle has been canceled effective December 26, 2014.
• You will be responsible for the period of time that your insurance coverage lapsed. The premium charge for this period of time is $135.00.
April 18, 2015:
Huntington sent a billing statement stating that your amount due to this loan for your April 28, 2015 payment is $414.88 (this amount includes the insurance amount owed to this account. We have enclosed a copy of the billing statement sent to you for your review.
May 19, 2015:
Huntington sent a billing statement stating that your amount due to this loan for your May 28, 2015 payment is $729.37 (this amount includes the insurance amount owed, the amount owed for your April 28, 2015 payment and the amount owed for your May 28, 2015 payment). We have enclosed a copy of the billing statement sent to you for your review.
June 17, 2015:
Our records show that Huntington received notification that you no longer had the required insurance coverage on the collateral of this loan. Between June 17, 2015 and August 12, 2015 we sent the same set of letters requesting you to furnish evidence of insurance, including a letter stating that we have purchased an insurance policy on your behalf in the amount of $1,251.00. We have enclosed a copy of these letters for your review.
September 9, 2015:
Huntington received evidence that you have obtained the required insurance coverage. The $1,251.00 insurance policy was canceled prior to being added to the principal balance of your loan. We have enclosed a copy of your cancelation notice for your review.
Huntington has continued to send monthly billing statements to you. Our records show that you have not paid the amount listed on these statements. We have enclosed a copy of your payment history for your review.
February 24, 2016:
We contacted you and left a voice message stating the following:
• If you make a $35.00 payment, we will backdate to June 12, 2015.
• When will then take your June 12, 2015 payment in the amount of $100.00 and the $35.00 payment and apply it the insurance amount owed to this loan (effective June 12, 2015).
• This will recalculate your loan and the late fees charged to this account from July 2015 to February 2016 will no longer be valid and will be removed from your account.
February 26, 2016:
Our records show that you made a $40.00 payment to this loan. We have backdated this payment to June 12, 2015. We have enclosed an updated payment history showing the adjustment to your loan. As of the date of this letter, your loan is due for the March 28, 2016 payment.
We sincerely regret any confusion regarding this situation. If you have additional questions regarding your Huntington loan, please feel free to contact me directly at ###-###-#### or toll free at ###-###-####. We appreciate your business and the opportunity to address your concerns.
Sincerely,
Bob A[redacted]
Dear [redacted] I’m
writing in response to your complaint filed with the Revdex.com
regarding your Huntington Checking account number ending in [redacted] Huntington
received this Huntington received this matter on April 29, 2015 for review.
Please
know that we...
have completed a thorough review of this matter. Through our research
we found the following information:
January 13, 2015:
·
You
visited the [redacted] banking office to open an account
and inquire about removing your name from account number ending in [redacted]
· [redacted], banking office manager, explained that in order to remove your name
from an account:
o Both you and the
joint account holder must be present to complete a signature card naming him as
the only user. OR
o You may close the
account (please note that in order to close an account, all account activity
must be stopped immediately including the joint users activity).
· [redacted]
opened a new account for you, account number ending in [redacted]
·
Our
records show that you did not request to close account number ending in [redacted]
March 16 – April 7, 2015:
Our customer assistance team
attempted to contact you to make a payment arrangement because the account
ending [redacted] had a negative balance but was unsuccessful.
April 8, 2015:
Since a payment arrangement could
not be made, Huntington used our right to set-off the account ending [redacted]
to pay the outstanding debt owed to your account ending in [redacted] ($347.72).
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 account. On 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
account. This is our right of set-off. We 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 account. You 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-off. If 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.
April 8, 2015 cont.:
You contacted our customer
assistance team regarding the $347.72 Set-off and stated that you had
asked to be taken off of the checking account ending in [redacted]
We agreed to replace the $347.72
back into your checking account number ending in [redacted] and you were asked
to contact the banking office to complete the name removal process or
close the account.
April 21, 2015:
Since Huntington did not receive
a response to three voice mails left regarding the outstanding debt and
since your name was still associated with the account, our customer
assistance team used our right to set-off the account ending [redacted] to pay
the outstanding debt owed to your account ending in [redacted] ($372.72).
April 28, 2015:
·
You
contacted our customer assistance team regarding the $372.72 debit to your
account number ending in [redacted].
o [redacted]) reiterated
that your options regarding removing your name.
o
[redacted] refunded $100.00 of the $372.72 set-off to your account ending in [redacted] and
agreed to place the account in a closed status per your request.
o
[redacted]
stated that as long as the account does not have any transactions, the account
will close after the $34.54 [redacted] pending transaction.
April 30, 2015:
·
After
the $34.54 [redacted] transaction posted, the account was closed with a zero balance.
[redacted], we appreciate your feedback and sincerely apologize that we did not
meet your expectations. 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,
[redacted]
Customer
Advocacy Response Team