Dear Ms. [redacted]:
I’m writing in response to your rejection to our response to your rebuttal to the Revdex.com case regarding your Huntington Installment loan account number ending in [redacted].
In regards to the concerns mentioned in your second rebuttal, please note the following:
• In the letters sent to you on June 24, 2014 and August 22, 2015, it asks you to respond promptly by sending a check or money order to a specific Huntington address or make a payment by phone with our Customer Assistance Team (Collections).
? Our records show that you did not send your payments that were more than 30 days past due to the address provided and you did not contact us to make a payment by phone.
? We have enclosed a copy of your June 1, 2014 payment for your review. Please note that this payment was sent to Huntington’s installment loan payment address and the date listed on your check is July 3, 2014 (33 days after the payment due date).
? We have verified that on September 4, 2015 you contacted our Vo[redacted] Response Unit (VRU) automated serv[redacted] and completed a $300.00 Speed Payment. This payment was applied to August 1st(35 days past due), September 1st and October 1st loan payments.
• Your payment due date is the 1st of the month. The dates listed on the letter refer to the Due Date of your past due payment. As explained in the letter, it is possible to remit a payment past the due date but avoid having adverse information reported to the credit bureaus. To clarify, this is the case for past due payments that are received less than 30 days from the due date. Unfortunately, anything received beyond that timeframe is reported to the credit bureaus as a delinquent payment.
Please understand that while we regret that you are not satisfied, Huntington is required to report payment history accurately in accordance with the Fair Credit Reporting Act. Based upon a review of your account history, we are reporting information correctly, and no updates will be made.
If I may be of further assistance to you, please feel free to contact me directly at ###-###-####7 or toll free at ###-###-####, ask for extension [redacted]. We appreciate your business and the opportunity to respond to your concerns.
Sincerely,
Bob A[redacted]
Dear [redacted]:
We are writing in response to your recent complaint to the Revdex.com (“Revdex.com”) regarding a hold placed on a deposit to your checking account ending in [redacted] with the Huntington National Bank (“Huntington”). We received this matter for review on April 20, 2015. Thank...
you for taking the time to bring this to our attention.
We understand your frustration and apologize for any inconvenience you have experienced as a result of this matter. Our research has revealed that according to your account “Funds Availability Policy” which is part of your “Agreement and Disclosure of Account Terms and Rules and Regulations for Consumer Savings Accounts” (“Rules and Regulations”), Huntington has the right to delay the availability of a check in some instances. A copy of the Funds Availability Policy is available upon request.
The check for $200.00, written on your [redacted] account posted to the Huntington checking account ending in [redacted] on April 10, 2015. Subsequently, we received confidential information that the check you deposited may not be paid. At that time, a letter was sent to you on April 13, 2015 (copy enclosed) notifying you of our intent to delay the availability of the funds for seven business days.
In that letter, we also offered to refund any overdraft fees or returned check fees on that account if you did not receive the notice at the time you made the deposit and the check you deposited was paid. We have verified that the check was not returned and there were no returned checks or overdrafts and no fees for such items were incurred on your checking account during that period of time.
If you have any questions you’re welcome to call me directly at ###-###-#### or at ###-###-####, extension [redacted].
Sincerely, [redacted]
I’m
writing in response to your concerns addressed with the Revdex.com
(“Revdex.com”) dated June 15, 2015, regarding a $150.00 promotional offer for opening
a new checking account with Huntington National Bank (“Huntington”).
This
promotion was offered to new...
customers opening a checking account. The
requirements for this promotion included the following:
·
Open
a new, qualifying Huntington Checking Account during the promotional period
that falls between January 1 and December 31, 2015 AND
·
Make
cumulative deposits of at least $1000 into the new checking account within the
first 60 days of account opening
Your
checking account was opened online on February 10, 2015, and our records
indicate that no deposits of at least $1000.00 were made within the 60 days. Unfortunately
this account did not meet the requirements.
For this reason, your account will not receive an incentive in the
amount of $150.00. We have enclosed of
the Bonus Addendum for this promotional offer for your review.
When
a new account is opened online, the customer chooses the type of account to
open. We have confirmed that you choose
to open a Huntington 25 Interest Checking Account on February 10, 2015. As stated in the Personal Account Charges
Form that was provided at the time of the account opening, the $25.00 monthly
checking fee for The Huntington 25 Interest Checking Account is waived for each
monthly statement period where your Total Relationship Balance is at least
$25,000. We have also confirmed that, as
a courtesy, $40.00 of the two $25.00 Monthly Checking Fees that were charged
were refunded on June 8, 2015. Enclosed
is a copy of the Personal Account Charges Form that explains the Monthly
Checking Fee in detail.
We
have confirmed that your checking account was updated to an Asterisk Free
Checking Account on June 6, 2015, per your request. We have also confirmed that your first direct
deposit was on April 17, 2015, for $1000.84.
As of June 23, 2015, we have no record of a check order being placed for
your account. If you wish to order
checks, you may place your order through your online banking or by calling our
customer service center at 800-480-2265.
If
you have any additional questions or concerns, you’re welcome to contact me at
(614) 331-0142 or 1-800-480-2265, extension 10[redacted].
I’m writing in response to
your correspondence addressed to the Consumer Financial Protection Bureau
(“CFPB”) and Revdex.com (“Revdex.com”) regarding your Huntington debit
card disputes. Huntington received...
this matter for review on April 21, 2015.
On April 6 and April 20,
2015, we received your requests to research transactions you stated were
unauthorized on your checking account ending in [redacted]. There were four disputes
that were entered on your behalf under reference numbers [redacted], and [redacted].
The debit card ending in
2419, which was related to your disputes, was closed on April 6, 2015 and a new
debit card was ordered that same day. I have confirmed that your new debit card
was received and activated on April 11, 2015.
In your complaint, you assert
that Huntington’s website states that transactions reported within ten (10)
days will be reversed within ten (10) days. Please know that in accordance with
Regulation E, which governs debit card transactions that are reported as
unauthorized, a financial institution shall investigate promptly and, except as
otherwise provided in this paragraph, shall determine whether an error occurred
within 10 business days of receiving a notice of error. The institution shall
report the results to the consumer within three business days after completing
its investigation. The institution shall correct the error within one business
day after determining that an error occurred. If the financial institution is
unable to complete its investigation within 10 business days, the institution
may take up to 45 days from receipt of a notice of error to investigate and
determine whether an error occurred, provided the institution does the
following: provisionally credits the consumer's account in the amount of the
alleged error (including interest where applicable) within 10 business days of
receiving the error notice.
Additionally, you assert that
the transactions were reported over one month prior to April 21, 2015; however,
Huntington did not receive notification of any possibly unauthorized
transactions until April 6, 2015 and again on April 20, 2015.
Please note the following
regarding case [redacted]
·
We received your request to dispute three
(3) transactions in the amounts of $10.61, $24.31, and $53.04 from the merchant
[redacted] on April 6, 2015.
·
The case was processed on April 12, 2015
which was five (5) business days after your case was initiated and within the
appropriate timeframe set forth for processing debit card disputes.
· Upon review of your dispute on April 12, 2015, it was
found that the merchant (Uber) issued credit in the amount of $20.00 to your
checking account on March 30, 2015.
· Our Check Card Operations Department sent a letter
informing you of the merchant credit via regular U.S. mail on April 13, 2015;
as this was the next business day.
· I have included a copy of this letter for you to
review and keep for your records.
· Also on April 13, 2015, a provisional credit of $67.96
was issued to your checking account.
o This
is the total amount of the unauthorized transactions less the $20.00 that was
previously credited by the merchant
· Our Check Card Operations Department sent a letter
informing you of the provisional credit via regular U.S. mail on April 13,
2015.
· I have included a copy of this letter for you to
review and keep for your records.
· You will be sent a letter, under separate cover,
informing you of the outcome of the case on June 1, 2015.
o This
is because our Check Card Operations Department completed a chargeback on April
12, 2015; the chargeback means that we are disputing the transactions with the
merchant based on the information you provided and are attempting to recover
the funds. The merchant has up to 45 days to respond to this action.
Please note the following
regarding case 0797-20APR15:
· On April 20, 2015, we received your request to dispute
twelve (12) transactions in the amounts of $2.92, $72.22, $24.31, $53.04,
$10.61, $29.03, $37.95, $29.95, $20.00, $22.99, $17.20 and $2.25.
·
Your dispute included a Cardholder
Statement of Dispute Form which affirmed your statement that the claimed
transactions were unauthorized by you.
· This case was a combination of a PIN based transaction
in which the debit card was present and the 4 digit pin number entered and Non
PIN based transactions in which the debit card numbers were utilized but no PIN
information was entered
o Because
the above are two different types of transactions that require different
information for disputes, two (2) cases were opened: 2652-22APR15 and
0181-23APR15
Please note the following
regarding case [redacted]:
·
This case was initiated in order to research
the $22.99 ATM transaction you requested that we dispute on April 20, 2015 that
was a PIN based transaction.
·
The case was processed on April 23, 2015
which was three (3) business days after your case was initiated and within the
appropriate timeframe set forth for processing debit card disputes.
· Upon review of the dispute, it was found that the
dispute was valid and your account was credited $22.99.
o The
related $2.00 non-Huntington ATM fee was also refunded as part of the dispute.
· Our Check Card Operations Department sent a letter
informing you of the final credit via regular U.S. mail on April 23, 2015.
· I have included a copy of this letter for you to
review and keep for your records.
Please note the following
regarding case [redacted]:
· This case was initiated in order to research the
transactions you requested that we dispute on April 20, 2015 that were Non PIN
based transactions.
o This
amount included the remaining eight (8) transactions in dispute: $29.03,
$37.95, $29.95, $20.00, $17.20, $2.25, $2.92, and $72.22.
·
The case was processed on April 23, 2015
which was three (3) business days after your case was initiated and within the
appropriate timeframe set forth for processing debit card disputes.
·
On April 23, 2015, a provisional credit
totaling $211.52 was issued to your checking account.
· Our Check Card Operations Department sent a letter
informing you of the provisional credit via regular U.S. mail on April 23,
2015.
· I have included a copy of this letter for you to
review and keep for your records.
· You will be sent a letter, under separate cover,
informing you of the outcome of the case on June 12, 2015.
o This
is because our Check Card Operations Department completed a chargeback on April
12, 2015; the chargeback means that we are disputing the transactions with the
merchant based on the information you provided and are attempting to recover
the funds. The merchant has up to 45 days to respond to this action.
Please note, there were no
fees assessed to your account as a result of the disputed transactions; however,
your checking account became overdrawn on April 9, 2015 due to an ACH (an
electronic debit using your account and routing number) transaction of $332.58
to the merchant [redacted].
As a courtesy, the related
$23.00 overdraft fee was refunded to your account as a credit on April 20, 2015
by our Customer Service Department.
If you have further
questions, you’re welcome to call me directly at ###-###-#### or
###-###-####, extension [redacted], and I’ll be happy to assist you.
Dear Mrs. [redacted]:
I’m writing in response to your complaint filed with the Revdex.com regarding your Huntington installment loan account number ending in [redacted]. It was a pleasure talking with you on the telephone and this letter is a follow up to our conversation.
November 13,...
2015:
Our records show that at 7:41am, you completed a $448.10 Speed Payment to your installment loan account ending in [redacted]. During this transaction, you selected check# [redacted] for a reference number. Unfortunately, due to a system malfunction, the confirmation number ([redacted]) was not provided to you.
Our records show that at 7:48am, you completed a second $448.10 Speed Payment to your installment loan account ending in [redacted]. During this transaction, you selected check# [redacted] for a reference number. You were provided a confirmation number of [redacted].
Please note that one of our safeguards to help avoid duplicate payments on our Speed Payment system is the reference number. Since you selected [redacted] on your first attempt and [redacted] on your second attempt, our system did not recognize that you were completing a duplicate transaction.
November 16, 2015
You contacted Huntington to notify us that two payments have been taken from your third party checking account.
Unfortunately, the Huntington Speed Payment system has a “One Way” authorization with Western Union. Huntington cannot electronically send a payment back to you. Please be aware that we have forwarded this concern to the appropriate level of Huntington management for a review for process improvements.
November 18, 2015:
You contacted Huntington to notify us that you were charged $142.00 in third party overdraft fees due to the two payments taken from your third party checking account.
November 20, 2015:
Huntington sent check number [redacted] in the amount of $448.10 via FedEx.
November 23, 2015:
Huntington sent check number [redacted] in the amount of $142.00 via FedEx.
Mrs. [redacted], we sincerely regret any inconvenience that this matter may have caused. If you have additional questions, please feel free to contact me directly at ###-###-#### or Toll Free at ###-###-#### and ask for extension [redacted]. We appreciate your business and the opportunity to address your concerns.
Sincerely,
Bob A[redacted]
[redacted]
Huntington.com
I am rejecting this response because: today I mailed documents to huntington bank to show other banks had the same problem and are removing all hard inquirys and plus the fact I did not sign any permission to any one to run my credit when I all ready had an approval which the car dealers knew
Regards,
[redacted]
The Huntington National BankCustomer Advocacy Team EA1W02[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
To Whom it May Concern:Thank you for contacting The...
Huntington National Bank (“Huntington”). We are writing in response to thecomplaint you forwarded to us regarding [redacted], which we received on September 21, 2016 for review.Please accept this correspondence as our confirmation that we have completed a thorough review of thismatter 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 TeamHuntington National Bank
The
Huntington National Bank (“Huntington”) is in receipt of your complaint filed
with the Revdex.com (“Revdex.com”) regarding the refinance process of your
mortgage. We received this matter for review on October 1, 2015.
After
a careful review of...
your concerns and mortgage refinance application we want to
extend our apology for any inconvenience this matter may have caused you. We
regret that our service did not meet the standards that you and Huntington
expect to be offered to our customers. Your comments have been forwarded to the
appropriate management for consideration of any necessary coaching.
Per
our conversation on October 1, 2015 we can confirm receipt of your required
documents and we are currently still in the process of completing application.
You advised that you are working with Ken K[redacted] to get your refinance closed
and are close to completion. If you have any questions or concerns please
contact him directly at ###-###-#### we apologize for any delays that have
been caused.
If
I can assist you in the future, you’re welcome to contact me at ###-###-#### or
toll free at ###-###-####, extension [redacted].
The Huntington National Bank (“Huntington”) is in receipt of your complaint filed with the Revdex.com (“Revdex.com”) regarding your mortgage ending in [redacted]. First, please accept our apologies for any inconvenience this matter may have caused you.
I understand...
your frustration, and apologize for the inconvenience you were caused. Providing you with an excellent Huntington experience is our goal, and we are disappointed when we fall short.
Per your communications with Jennifer T[redacted] with [redacted], I confirmed that on December 11, 2015, via email, she notified you that a credit to your mortgage principle in the amount of $999.97 would be credited on December 15, 2015. The credit to your account has been applied to your loan effective December 15, 2015.
If you have further questions, please call Jennifer T[redacted] at ###-###-#### or myself at ###-###-#### or ###-###-#### ext. [redacted], and I’ll be happy to assist you.
Sincerely,
Casey J. S[redacted]
[redacted] February 22, 2017 [redacted] Re: [redacted]
[redacted] ...
Dear [redacted]: 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 February 16, 2017 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 convenience. Sincerely, [redacted] Huntington National Bank
It DOES NOT STATE anywhere in the 24 hour grace period that there are regulations. It says 24 hour grace period!! PERIOD!! FALSE ADVERTISEMENT!!
Regards, [redacted]
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 October 6, 2017 for review. Please accept this correspondence as our confirmation that we have...
completed a thorough review of this matter and have contacted Shawn Brendel 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 spoke to the gentleman that called me. And informed him that I do not agree or will not agree with his decision. I indicated to him not to respond to the Revdex.com until after I had spoke to his supervisor. Which he is now gone and stated that this was a closed matter. After posting this they went back into my girlfriends account and posted the money back into her account and now took it out of my account. Which right there they are meeting they are in the wrong. I have spoke to an attorney with [redacted] and he is informed me that all of their actions and the way that they have handled everything is fraudulent. I will not settle or let this case go until they write their wrong. I have given them all the information stating what his happened and they have done nothing but lie through their teeth since all of this has happened. They are trying to sweep this matter underneath the rug and I'm not going to stand for. You can read online about the company and what their employees say about the company and the underhanded things that they do. I have all the evidence to back what is going on with my account. So until this matter is taken care of to my wishes I will not except any thing else. Huntington Bank is in the wrong and they know they are in the wrong which is the reason why they corrected it and try tip then move it out of my account. This bank has been nothing but trouble from day one. They took money out of my account without notifying me. And now they're trying to backtrack to save there [redacted].
Regards, [redacted]
Yes I received my card on Monday and there was no courtesy adjustment for a $100 for my I inconvenient that occurred April 21,2016 when I found out my card had been cancel. So the $100 adjustment was for overdraft fees that took place the week of April 8, 2016. So two different incidents one I was very satisfied with April 15, 2016 just a little disappointed No mention about new card or that my card was compromise. April 21, 2016 nothing has been done or no compensation for the inconvenience and the rude customer services & management experience. I had a very hard time providing for me & my son for this inconvenience I missed worked and had a life event of losing a love one & not being able to purchase airfare to get home. I have began getting an attorney because this was not the first time I experience this with Huntington and never was notified my card was compromise. Them sending me a new card express does not make how they handle their customers right. They are acting like they have done something for me that's not the cause one incident had nothing to due with the other. As company that does not recongnize that and try to cover up their mistake. Huntington will be hearing from my attorney. Thanks Revdex.com for your mediation Regards, [redacted]
Dear Mr. [redacted]:
I’m writing in response to your complaint filed with the Revdex.com (“Revdex.com”) regarding your concerns with your Huntington Rewards Voice Credit Card as well as a follow up to our conversation that occurred on February 19, 2016. It was a pleasure speaking with you. ...
Huntington received this matter for review on February 8, 2016.
During our conversation, I explained that Huntington was unable to confirm why you were experiencing issues receiving your gift cards in the mail. Our records indicate that you completed a redemption on May 7, 2015 in the amount of $200.00 for an [redacted].com gift card was to be delivered to the address listed on your Revdex.com complaint. Additionally, you made a second redemption on December 11, 2015 in the amount of $100.00 for a second [redacted].com gift card, which again was mailed to your address listed on your profile and on your Revdex.com complaint.
According to the Huntington Voice Rewards Terms and Conditions under the section titled “Gift Certificates and Gift Cards” it states “A replacement Certificate or Gift Card will not be provided or refunded if lost, stolen, destroyed or unauthorized use.” Please know that these Terms and Conditions were provided to you for review when you initially received your credit card.
As a courtesy, Huntington provided you with certificate token number [redacted] which provides you $200.00 to use at [redacted].com in order to replace your missing gift [redacted].com gift card of $200.00 from May 7, 2015. Additionally, Huntington provided your account with 10,000 bonus points on February 29, 2016 to reimburse you for the missing $100.00 [redacted].com gift card from December 11, 2015.
I sincerely apologize if you experienced any inconveniences during this process. Providing you with an excellent Huntington experience is our goal. Please know that the comments you provided have been heard and forwarded to the appropriate level of management for review.
If you have any further questions, or concerns, you are welcome to contact me directly at ###-###-#### or toll free at ###-###-####, extension 1-[redacted], and I would be happy to assist you.
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 31, 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
I’m
writing in response to your complaint filed with the Revdex.com
(“Revdex.com”) dated August 6, 2015, regarding your checking account held with The
Huntington National Bank (“Huntington”).
Huntington received this matter on August 6,...
2015, for review.
We
confirmed that your overdraft election for the Overdraft Service was “opted-in”
for Debit Card, ATM, checks and ACH items on April 12, 2014. This election
allows Huntington to pay items for you into the negative, and provides you with
an extra day to make a deposit in order to avoid fees.
Please note
the following information about 24 Hour Grace®:
When you
overdraw your checking account, 24 Hour Grace® gives you until the
financial cut-off time on the next business day to make a deposit to cover the
overdraft amount, plus any current amounts that must be paid. You need to
deposit enough to bring your account balance to at least (-$4.99). Of
course, if you can get your balance out of the negative, please do. But we give
you a $4.99 cushion in case you can’t quite make it all the way.
Example: If the account is overdrawn by $100,
and a transaction for $100 will post to your account on the same day, a $196.00
deposit must be made by the cut-off time.
A deposit to correct the
overdraft (as described above) must be made by the applicable financial cut-off
time on the next business day. Financial cut-off times vary based on how/where
you make the deposit.
Each branch has a
local cut-off time posted.
ATM, Online Banking or
Telephone Banking transfer - Before 11:59 p.m.
For more
information and examples regarding 24-Hour Grace® please visit our
website at www.huntington.com/grace/.
After
reviewing your checking account, we have confirmed that courtesy refunds for
overdraft fees totaling $77.50 was credited to your checking account on the
following dates:
·
June
20, 2014, for $18.75
·
September
4, 2014, for $21.25
·
June
5, 2015, for $37.50
We
have reviewed the activity on your checking account for the last 6 months and
have confirmed that a total of 4 overdraft fees of $37.50 totaling $150.00 and 1 returned item fee of $37.50 have
been charged to your checking account. The
returned item fee of $37.50 was credited to your checking account on June 5,
2015, as referenced above. We have verified
that none of these fees were caused by a bank error.
As
a courtesy, on August 7, 2015, we refunded 2 of the 4 remaining overdraft fees
of $37.50 that have posted to your checking account, for a total courtesy
refund of $75.00.
If
you have any additional questions or concerns, you’re welcome to contact me at
###-###-#### or ###-###-####, extension [redacted]
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 September 25, 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
I’m
writing in response to your concerns addressed with the Revdex.com
(“Revdex.com”) dated June 23, 2015, regarding checking account held with Huntington
National Bank (“Huntington”). Huntington
received this complaint for review on June 24, 2015.
We apologize...
for any inconvenience that you may have
experienced caused by check #3239 for $300.00 being returned unpaid on June 22,
2015, due to non-sufficient funds. As a
courtesy, on June 23, 2015, we refunded the $37.50 Returned Item Fee that was
charged to your checking account on June 23, 2015.
Please note the following information about electronic debit
return fees:
Please know that each time we get an
electronic debit presented for payment that exceeds the account balance, the
decision is made whether to return it or pay it. The decision to return or pay
the debit is based on customer history, amount of the check, the account
balance, and past and present bankruptcies.
If we pay
it, the electronic debit amount is deducted from the account, causing an overdraft. 24-Hour Grace™
applies only when we pay the debit and an overdraft occurs. In that case, the
customer has the opportunity to correct the overdraft by depositing sufficient
funds on the next business day, at which time we could waive the overdraft fee.
(In printed materials as well as our website description, it states that the
24-Hour Grace™ service cannot be used to waive return fees.)
If you
have any additional questions or concerns, you’re welcome to contact me at
(614) 331-[redacted] or 1-800-480-2265, extension [redacted].
Dear Ms. [redacted]:
I’m writing in response to your rejection to our response to your rebuttal to the Revdex.com case regarding your Huntington Installment loan account number ending in [redacted].
In regards to the concerns mentioned in your second rebuttal, please note the following:
• In the letters sent to you on June 24, 2014 and August 22, 2015, it asks you to respond promptly by sending a check or money order to a specific Huntington address or make a payment by phone with our Customer Assistance Team (Collections).
? Our records show that you did not send your payments that were more than 30 days past due to the address provided and you did not contact us to make a payment by phone.
? We have enclosed a copy of your June 1, 2014 payment for your review. Please note that this payment was sent to Huntington’s installment loan payment address and the date listed on your check is July 3, 2014 (33 days after the payment due date).
? We have verified that on September 4, 2015 you contacted our Vo[redacted] Response Unit (VRU) automated serv[redacted] and completed a $300.00 Speed Payment. This payment was applied to August 1st(35 days past due), September 1st and October 1st loan payments.
• Your payment due date is the 1st of the month. The dates listed on the letter refer to the Due Date of your past due payment. As explained in the letter, it is possible to remit a payment past the due date but avoid having adverse information reported to the credit bureaus. To clarify, this is the case for past due payments that are received less than 30 days from the due date. Unfortunately, anything received beyond that timeframe is reported to the credit bureaus as a delinquent payment.
Please understand that while we regret that you are not satisfied, Huntington is required to report payment history accurately in accordance with the Fair Credit Reporting Act. Based upon a review of your account history, we are reporting information correctly, and no updates will be made.
If I may be of further assistance to you, please feel free to contact me directly at ###-###-####7 or toll free at ###-###-####, ask for extension [redacted]. We appreciate your business and the opportunity to respond to your concerns.
Sincerely,
Bob A[redacted]
There is no detail explaining the action that will follow the complaint which I have submitted.
Regards, [redacted]
Dear [redacted]:
We are writing in response to your recent complaint to the Revdex.com (“Revdex.com”) regarding a hold placed on a deposit to your checking account ending in [redacted] with the Huntington National Bank (“Huntington”). We received this matter for review on April 20, 2015. Thank...
you for taking the time to bring this to our attention.
We understand your frustration and apologize for any inconvenience you have experienced as a result of this matter. Our research has revealed that according to your account “Funds Availability Policy” which is part of your “Agreement and Disclosure of Account Terms and Rules and Regulations for Consumer Savings Accounts” (“Rules and Regulations”), Huntington has the right to delay the availability of a check in some instances. A copy of the Funds Availability Policy is available upon request.
The check for $200.00, written on your [redacted] account posted to the Huntington checking account ending in [redacted] on April 10, 2015. Subsequently, we received confidential information that the check you deposited may not be paid. At that time, a letter was sent to you on April 13, 2015 (copy enclosed) notifying you of our intent to delay the availability of the funds for seven business days.
In that letter, we also offered to refund any overdraft fees or returned check fees on that account if you did not receive the notice at the time you made the deposit and the check you deposited was paid. We have verified that the check was not returned and there were no returned checks or overdrafts and no fees for such items were incurred on your checking account during that period of time.
If you have any questions you’re welcome to call me directly at ###-###-#### or at ###-###-####, extension [redacted].
Sincerely, [redacted]
I’m
writing in response to your concerns addressed with the Revdex.com
(“Revdex.com”) dated June 15, 2015, regarding a $150.00 promotional offer for opening
a new checking account with Huntington National Bank (“Huntington”).
This
promotion was offered to new...
customers opening a checking account. The
requirements for this promotion included the following:
·
Open
a new, qualifying Huntington Checking Account during the promotional period
that falls between January 1 and December 31, 2015 AND
·
Make
cumulative deposits of at least $1000 into the new checking account within the
first 60 days of account opening
Your
checking account was opened online on February 10, 2015, and our records
indicate that no deposits of at least $1000.00 were made within the 60 days. Unfortunately
this account did not meet the requirements.
For this reason, your account will not receive an incentive in the
amount of $150.00. We have enclosed of
the Bonus Addendum for this promotional offer for your review.
When
a new account is opened online, the customer chooses the type of account to
open. We have confirmed that you choose
to open a Huntington 25 Interest Checking Account on February 10, 2015. As stated in the Personal Account Charges
Form that was provided at the time of the account opening, the $25.00 monthly
checking fee for The Huntington 25 Interest Checking Account is waived for each
monthly statement period where your Total Relationship Balance is at least
$25,000. We have also confirmed that, as
a courtesy, $40.00 of the two $25.00 Monthly Checking Fees that were charged
were refunded on June 8, 2015. Enclosed
is a copy of the Personal Account Charges Form that explains the Monthly
Checking Fee in detail.
We
have confirmed that your checking account was updated to an Asterisk Free
Checking Account on June 6, 2015, per your request. We have also confirmed that your first direct
deposit was on April 17, 2015, for $1000.84.
As of June 23, 2015, we have no record of a check order being placed for
your account. If you wish to order
checks, you may place your order through your online banking or by calling our
customer service center at 800-480-2265.
If
you have any additional questions or concerns, you’re welcome to contact me at
(614) 331-0142 or 1-800-480-2265, extension 10[redacted].
Dear [redacted]
I’m writing in response to
your correspondence addressed to the Consumer Financial Protection Bureau
(“CFPB”) and Revdex.com (“Revdex.com”) regarding your Huntington debit
card disputes. Huntington received...
this matter for review on April 21, 2015.
On April 6 and April 20,
2015, we received your requests to research transactions you stated were
unauthorized on your checking account ending in [redacted]. There were four disputes
that were entered on your behalf under reference numbers [redacted], and [redacted].
The debit card ending in
2419, which was related to your disputes, was closed on April 6, 2015 and a new
debit card was ordered that same day. I have confirmed that your new debit card
was received and activated on April 11, 2015.
In your complaint, you assert
that Huntington’s website states that transactions reported within ten (10)
days will be reversed within ten (10) days. Please know that in accordance with
Regulation E, which governs debit card transactions that are reported as
unauthorized, a financial institution shall investigate promptly and, except as
otherwise provided in this paragraph, shall determine whether an error occurred
within 10 business days of receiving a notice of error. The institution shall
report the results to the consumer within three business days after completing
its investigation. The institution shall correct the error within one business
day after determining that an error occurred. If the financial institution is
unable to complete its investigation within 10 business days, the institution
may take up to 45 days from receipt of a notice of error to investigate and
determine whether an error occurred, provided the institution does the
following: provisionally credits the consumer's account in the amount of the
alleged error (including interest where applicable) within 10 business days of
receiving the error notice.
Additionally, you assert that
the transactions were reported over one month prior to April 21, 2015; however,
Huntington did not receive notification of any possibly unauthorized
transactions until April 6, 2015 and again on April 20, 2015.
Please note the following
regarding case [redacted]
·
We received your request to dispute three
(3) transactions in the amounts of $10.61, $24.31, and $53.04 from the merchant
[redacted] on April 6, 2015.
·
The case was processed on April 12, 2015
which was five (5) business days after your case was initiated and within the
appropriate timeframe set forth for processing debit card disputes.
· Upon review of your dispute on April 12, 2015, it was
found that the merchant (Uber) issued credit in the amount of $20.00 to your
checking account on March 30, 2015.
· Our Check Card Operations Department sent a letter
informing you of the merchant credit via regular U.S. mail on April 13, 2015;
as this was the next business day.
· I have included a copy of this letter for you to
review and keep for your records.
· Also on April 13, 2015, a provisional credit of $67.96
was issued to your checking account.
o This
is the total amount of the unauthorized transactions less the $20.00 that was
previously credited by the merchant
· Our Check Card Operations Department sent a letter
informing you of the provisional credit via regular U.S. mail on April 13,
2015.
· I have included a copy of this letter for you to
review and keep for your records.
· You will be sent a letter, under separate cover,
informing you of the outcome of the case on June 1, 2015.
o This
is because our Check Card Operations Department completed a chargeback on April
12, 2015; the chargeback means that we are disputing the transactions with the
merchant based on the information you provided and are attempting to recover
the funds. The merchant has up to 45 days to respond to this action.
Please note the following
regarding case 0797-20APR15:
· On April 20, 2015, we received your request to dispute
twelve (12) transactions in the amounts of $2.92, $72.22, $24.31, $53.04,
$10.61, $29.03, $37.95, $29.95, $20.00, $22.99, $17.20 and $2.25.
·
Your dispute included a Cardholder
Statement of Dispute Form which affirmed your statement that the claimed
transactions were unauthorized by you.
· This case was a combination of a PIN based transaction
in which the debit card was present and the 4 digit pin number entered and Non
PIN based transactions in which the debit card numbers were utilized but no PIN
information was entered
o Because
the above are two different types of transactions that require different
information for disputes, two (2) cases were opened: 2652-22APR15 and
0181-23APR15
Please note the following
regarding case [redacted]:
·
This case was initiated in order to research
the $22.99 ATM transaction you requested that we dispute on April 20, 2015 that
was a PIN based transaction.
·
The case was processed on April 23, 2015
which was three (3) business days after your case was initiated and within the
appropriate timeframe set forth for processing debit card disputes.
· Upon review of the dispute, it was found that the
dispute was valid and your account was credited $22.99.
o The
related $2.00 non-Huntington ATM fee was also refunded as part of the dispute.
· Our Check Card Operations Department sent a letter
informing you of the final credit via regular U.S. mail on April 23, 2015.
· I have included a copy of this letter for you to
review and keep for your records.
Please note the following
regarding case [redacted]:
· This case was initiated in order to research the
transactions you requested that we dispute on April 20, 2015 that were Non PIN
based transactions.
o This
amount included the remaining eight (8) transactions in dispute: $29.03,
$37.95, $29.95, $20.00, $17.20, $2.25, $2.92, and $72.22.
·
The case was processed on April 23, 2015
which was three (3) business days after your case was initiated and within the
appropriate timeframe set forth for processing debit card disputes.
·
On April 23, 2015, a provisional credit
totaling $211.52 was issued to your checking account.
· Our Check Card Operations Department sent a letter
informing you of the provisional credit via regular U.S. mail on April 23,
2015.
· I have included a copy of this letter for you to
review and keep for your records.
· You will be sent a letter, under separate cover,
informing you of the outcome of the case on June 12, 2015.
o This
is because our Check Card Operations Department completed a chargeback on April
12, 2015; the chargeback means that we are disputing the transactions with the
merchant based on the information you provided and are attempting to recover
the funds. The merchant has up to 45 days to respond to this action.
Please note, there were no
fees assessed to your account as a result of the disputed transactions; however,
your checking account became overdrawn on April 9, 2015 due to an ACH (an
electronic debit using your account and routing number) transaction of $332.58
to the merchant [redacted].
As a courtesy, the related
$23.00 overdraft fee was refunded to your account as a credit on April 20, 2015
by our Customer Service Department.
If you have further
questions, you’re welcome to call me directly at ###-###-#### or
###-###-####, extension [redacted], and I’ll be happy to assist you.
Sincerely,
[redacted]
Priority Response Unit
Dear Mrs. [redacted]:
I’m writing in response to your complaint filed with the Revdex.com regarding your Huntington installment loan account number ending in [redacted]. It was a pleasure talking with you on the telephone and this letter is a follow up to our conversation.
November 13,...
2015:
Our records show that at 7:41am, you completed a $448.10 Speed Payment to your installment loan account ending in [redacted]. During this transaction, you selected check# [redacted] for a reference number. Unfortunately, due to a system malfunction, the confirmation number ([redacted]) was not provided to you.
Our records show that at 7:48am, you completed a second $448.10 Speed Payment to your installment loan account ending in [redacted]. During this transaction, you selected check# [redacted] for a reference number. You were provided a confirmation number of [redacted].
Please note that one of our safeguards to help avoid duplicate payments on our Speed Payment system is the reference number. Since you selected [redacted] on your first attempt and [redacted] on your second attempt, our system did not recognize that you were completing a duplicate transaction.
November 16, 2015
You contacted Huntington to notify us that two payments have been taken from your third party checking account.
Unfortunately, the Huntington Speed Payment system has a “One Way” authorization with Western Union. Huntington cannot electronically send a payment back to you. Please be aware that we have forwarded this concern to the appropriate level of Huntington management for a review for process improvements.
November 18, 2015:
You contacted Huntington to notify us that you were charged $142.00 in third party overdraft fees due to the two payments taken from your third party checking account.
November 20, 2015:
Huntington sent check number [redacted] in the amount of $448.10 via FedEx.
November 23, 2015:
Huntington sent check number [redacted] in the amount of $142.00 via FedEx.
Mrs. [redacted], we sincerely regret any inconvenience that this matter may have caused. If you have additional questions, please feel free to contact me directly at ###-###-#### or Toll Free at ###-###-#### and ask for extension [redacted]. We appreciate your business and the opportunity to address your concerns.
Sincerely,
Bob A[redacted]
[redacted]
Huntington.com
I am rejecting this response because: today I mailed documents to huntington bank to show other banks had the same problem and are removing all hard inquirys and plus the fact I did not sign any permission to any one to run my credit when I all ready had an approval which the car dealers knew
Regards,
[redacted]
The Huntington National BankCustomer Advocacy Team EA1W02[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
To Whom it May Concern:Thank you for contacting The...
Huntington National Bank (“Huntington”). We are writing in response to thecomplaint you forwarded to us regarding [redacted], which we received on September 21, 2016 for review.Please accept this correspondence as our confirmation that we have completed a thorough review of thismatter 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 TeamHuntington National Bank
The
Huntington National Bank (“Huntington”) is in receipt of your complaint filed
with the Revdex.com (“Revdex.com”) regarding the refinance process of your
mortgage. We received this matter for review on October 1, 2015.
After
a careful review of...
your concerns and mortgage refinance application we want to
extend our apology for any inconvenience this matter may have caused you. We
regret that our service did not meet the standards that you and Huntington
expect to be offered to our customers. Your comments have been forwarded to the
appropriate management for consideration of any necessary coaching.
Per
our conversation on October 1, 2015 we can confirm receipt of your required
documents and we are currently still in the process of completing application.
You advised that you are working with Ken K[redacted] to get your refinance closed
and are close to completion. If you have any questions or concerns please
contact him directly at ###-###-#### we apologize for any delays that have
been caused.
If
I can assist you in the future, you’re welcome to contact me at ###-###-#### or
toll free at ###-###-####, extension [redacted].
Sincerely,
Josh
B[redacted]
Research
Specialist
Dear Ms. [redacted]:
The Huntington National Bank (“Huntington”) is in receipt of your complaint filed with the Revdex.com (“Revdex.com”) regarding your mortgage ending in [redacted]. First, please accept our apologies for any inconvenience this matter may have caused you.
I understand...
your frustration, and apologize for the inconvenience you were caused. Providing you with an excellent Huntington experience is our goal, and we are disappointed when we fall short.
Per your communications with Jennifer T[redacted] with [redacted], I confirmed that on December 11, 2015, via email, she notified you that a credit to your mortgage principle in the amount of $999.97 would be credited on December 15, 2015. The credit to your account has been applied to your loan effective December 15, 2015.
If you have further questions, please call Jennifer T[redacted] at ###-###-#### or myself at ###-###-#### or ###-###-#### ext. [redacted], and I’ll be happy to assist you.
Sincerely,
Casey J. S[redacted]
[redacted] February 22, 2017 [redacted] Re: [redacted]
[redacted] ...
Dear [redacted]: 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 February 16, 2017 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 convenience. Sincerely, [redacted] Huntington National Bank
It DOES NOT STATE anywhere in the 24 hour grace period that there are regulations. It says 24 hour grace period!! PERIOD!! FALSE ADVERTISEMENT!!
Regards, [redacted]
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 October 6, 2017 for review. Please accept this correspondence as our confirmation that we have...
completed a thorough review of this matter and have contacted Shawn Brendel 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 spoke to the gentleman that called me. And informed him that I do not agree or will not agree with his decision. I indicated to him not to respond to the Revdex.com until after I had spoke to his supervisor. Which he is now gone and stated that this was a closed matter. After posting this they went back into my girlfriends account and posted the money back into her account and now took it out of my account. Which right there they are meeting they are in the wrong. I have spoke to an attorney with [redacted] and he is informed me that all of their actions and the way that they have handled everything is fraudulent. I will not settle or let this case go until they write their wrong. I have given them all the information stating what his happened and they have done nothing but lie through their teeth since all of this has happened. They are trying to sweep this matter underneath the rug and I'm not going to stand for. You can read online about the company and what their employees say about the company and the underhanded things that they do. I have all the evidence to back what is going on with my account. So until this matter is taken care of to my wishes I will not except any thing else. Huntington Bank is in the wrong and they know they are in the wrong which is the reason why they corrected it and try tip then move it out of my account. This bank has been nothing but trouble from day one. They took money out of my account without notifying me. And now they're trying to backtrack to save there [redacted].
Regards, [redacted]
Yes I received my card on Monday and there was no courtesy adjustment for a $100 for my I inconvenient that occurred April 21,2016 when I found out my card had been cancel. So the $100 adjustment was for overdraft fees that took place the week of April 8, 2016. So two different incidents one I was very satisfied with April 15, 2016 just a little disappointed No mention about new card or that my card was compromise. April 21, 2016 nothing has been done or no compensation for the inconvenience and the rude customer services & management experience. I had a very hard time providing for me & my son for this inconvenience I missed worked and had a life event of losing a love one & not being able to purchase airfare to get home. I have began getting an attorney because this was not the first time I experience this with Huntington and never was notified my card was compromise. Them sending me a new card express does not make how they handle their customers right. They are acting like they have done something for me that's not the cause one incident had nothing to due with the other. As company that does not recongnize that and try to cover up their mistake. Huntington will be hearing from my attorney. Thanks Revdex.com for your mediation Regards, [redacted]
Dear Mr. [redacted]:
I’m writing in response to your complaint filed with the Revdex.com (“Revdex.com”) regarding your concerns with your Huntington Rewards Voice Credit Card as well as a follow up to our conversation that occurred on February 19, 2016. It was a pleasure speaking with you. ...
Huntington received this matter for review on February 8, 2016.
During our conversation, I explained that Huntington was unable to confirm why you were experiencing issues receiving your gift cards in the mail. Our records indicate that you completed a redemption on May 7, 2015 in the amount of $200.00 for an [redacted].com gift card was to be delivered to the address listed on your Revdex.com complaint. Additionally, you made a second redemption on December 11, 2015 in the amount of $100.00 for a second [redacted].com gift card, which again was mailed to your address listed on your profile and on your Revdex.com complaint.
According to the Huntington Voice Rewards Terms and Conditions under the section titled “Gift Certificates and Gift Cards” it states “A replacement Certificate or Gift Card will not be provided or refunded if lost, stolen, destroyed or unauthorized use.” Please know that these Terms and Conditions were provided to you for review when you initially received your credit card.
As a courtesy, Huntington provided you with certificate token number [redacted] which provides you $200.00 to use at [redacted].com in order to replace your missing gift [redacted].com gift card of $200.00 from May 7, 2015. Additionally, Huntington provided your account with 10,000 bonus points on February 29, 2016 to reimburse you for the missing $100.00 [redacted].com gift card from December 11, 2015.
I sincerely apologize if you experienced any inconveniences during this process. Providing you with an excellent Huntington experience is our goal. Please know that the comments you provided have been heard and forwarded to the appropriate level of management for review.
If you have any further questions, or concerns, you are welcome to contact me directly at ###-###-#### or toll free at ###-###-####, extension 1-[redacted], and I would be happy to assist you.
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 31, 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 Ms. [redacted]:
I’m
writing in response to your complaint filed with the Revdex.com
(“Revdex.com”) dated August 6, 2015, regarding your checking account held with The
Huntington National Bank (“Huntington”).
Huntington received this matter on August 6,...
2015, for review.
We
confirmed that your overdraft election for the Overdraft Service was “opted-in”
for Debit Card, ATM, checks and ACH items on April 12, 2014. This election
allows Huntington to pay items for you into the negative, and provides you with
an extra day to make a deposit in order to avoid fees.
Please note
the following information about 24 Hour Grace®:
When you
overdraw your checking account, 24 Hour Grace® gives you until the
financial cut-off time on the next business day to make a deposit to cover the
overdraft amount, plus any current amounts that must be paid. You need to
deposit enough to bring your account balance to at least (-$4.99). Of
course, if you can get your balance out of the negative, please do. But we give
you a $4.99 cushion in case you can’t quite make it all the way.
Example: If the account is overdrawn by $100,
and a transaction for $100 will post to your account on the same day, a $196.00
deposit must be made by the cut-off time.
A deposit to correct the
overdraft (as described above) must be made by the applicable financial cut-off
time on the next business day. Financial cut-off times vary based on how/where
you make the deposit.
Each branch has a
local cut-off time posted.
ATM, Online Banking or
Telephone Banking transfer - Before 11:59 p.m.
For more
information and examples regarding 24-Hour Grace® please visit our
website at www.huntington.com/grace/.
After
reviewing your checking account, we have confirmed that courtesy refunds for
overdraft fees totaling $77.50 was credited to your checking account on the
following dates:
·
June
20, 2014, for $18.75
·
September
4, 2014, for $21.25
·
June
5, 2015, for $37.50
We
have reviewed the activity on your checking account for the last 6 months and
have confirmed that a total of 4 overdraft fees of $37.50 totaling $150.00 and 1 returned item fee of $37.50 have
been charged to your checking account. The
returned item fee of $37.50 was credited to your checking account on June 5,
2015, as referenced above. We have verified
that none of these fees were caused by a bank error.
As
a courtesy, on August 7, 2015, we refunded 2 of the 4 remaining overdraft fees
of $37.50 that have posted to your checking account, for a total courtesy
refund of $75.00.
If
you have any additional questions or concerns, you’re welcome to contact me at
###-###-#### or ###-###-####, extension [redacted]
Sincerely,
John W[redacted]
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 September 25, 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
I’m
writing in response to your concerns addressed with the Revdex.com
(“Revdex.com”) dated June 23, 2015, regarding checking account held with Huntington
National Bank (“Huntington”). Huntington
received this complaint for review on June 24, 2015.
We apologize...
for any inconvenience that you may have
experienced caused by check #3239 for $300.00 being returned unpaid on June 22,
2015, due to non-sufficient funds. As a
courtesy, on June 23, 2015, we refunded the $37.50 Returned Item Fee that was
charged to your checking account on June 23, 2015.
Please note the following information about electronic debit
return fees:
Please know that each time we get an
electronic debit presented for payment that exceeds the account balance, the
decision is made whether to return it or pay it. The decision to return or pay
the debit is based on customer history, amount of the check, the account
balance, and past and present bankruptcies.
If we pay
it, the electronic debit amount is deducted from the account, causing an overdraft. 24-Hour Grace™
applies only when we pay the debit and an overdraft occurs. In that case, the
customer has the opportunity to correct the overdraft by depositing sufficient
funds on the next business day, at which time we could waive the overdraft fee.
(In printed materials as well as our website description, it states that the
24-Hour Grace™ service cannot be used to waive return fees.)
If you
have any additional questions or concerns, you’re welcome to contact me at
(614) 331-[redacted] or 1-800-480-2265, extension [redacted].