I’m writing in response to your complaint filed with the Revdex.com (“Revdex.com”) regarding your Huntington installment loan account number ending in [redacted]. Huntington received this matter on December 4, 2015 for review. We have attempted to reach you by phone regarding this matter, but have...
been unsuccessful.
Please know that we have completed a thorough review of this matter. Through our research we found the following:
According to the information on file, on November 2, 2011 you purchased a vehicle at [redacted] Motor Company. During that transaction, you opted to apply for financing, and were subsequently approved for a loan from Huntington National Bank.
For your records, we have enclosed a copy of your Huntington Personal Loan Agreement. All of the information about the terms of the contract was provided to you at the time of the purchase. By signing the loan agreement form which explained the terms of the loan, we accepted it as your acknowledgement that you reviewed the terms of the contract and agreed with them. The contract included the following section regarding a prepayment penalty.
“In return for the interest rate provided in this agreement, you agree to pay a
prepayment charge if this loan is paid off prior to the final scheduled due date.
If this loan is not secured by a mortgage on residential real estate, the
prepayment charge is the greater of $125 or 1.25% of the outstanding principal
balance at the time of payoff. However, there is no prepayment charge if we
receive the final payoff of this loan after the payment due date that is 6
payments less than the total number of payments due on the loan. For
example, in a loan with 72 monthly payments, there is no prepayment charge if
we receive the final payoff of your loan after the due date of the 66th payment”.
The scheduled maturity date for this loan is May 2, 2017. In order to avoid paying a prepayment fee, you must have made a full monthly payment of $399.89 every month until November 2, 2016.
Your account is a simple interest installment loan. Simple interest loans are processed as follows:
• To determine the amount of interest that will be deducted from your next payment, the following mathematical formula is used:
Interest Owed = Principal Balance x Interest Rate ÷ Number of days in the current year x Number of days since the last posted payment.
• The interest owed is deducted from your payment first. Then any late fees owed are deducted. The remaining amount is applied to your principal balance. When the next payment is received, the same formula is used with the new principal balance.
• Using the formula above, if a payment is made before the due date, less interest is charged for that payment, more funds are applied to the principal balance, and the account could be paid off earlier than the maturity date. If the payment is made after the due date, more interest is charged, and less is deducted from the principal balance; at the loan’s maturity date, more than the regular monthly payment may be due.
Interest Comparison:
Enclosed are an amortization schedule and a loan payment history. These documents may help clarify your understanding about how your payments were applied, and the principal balance changes.
• Amortization Schedule: This documents shows how the principal balance of the loan would have been paid provided you followed the terms of your personal loan agreement (contract).
• Payment History: This document shows when your payments were received and how they affected your principal balance.
If you feel that Huntington’s payment history is incorrect, we would be happy to review your payment receipts with you. The amount needed to pay this account in full is $90.32. Please make this payment by January 12, 2016 in order to avoid late charges to your loan.
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 ###-###-####. We appreciate your business and the opportunity to address your concerns.
Sincerely,
Bob A[redacted] Senior Specialist
Customer Advocacy Response Team
Dear Revdex.com/: [redacted] Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding Ms. [redacted], which we received on June 12, 2017 for review. Please accept this correspondence as our...
confirmation that we have completed a thorough review of this matter and have contacted Ms. [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
[redacted]
[redacted]
[redacted]
[redacted]
March 6, 2017 [redacted]
[redacted]
[redacted] Re: Revdex.com Case #: 12020272 Huntington Case #: 00331567 ...
Dear Revdex.com/: [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 March 3, 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, [redacted] Huntington National Bank
Case closed with telephone call to customer:
- Apologized for service described
-Explained a checked can be represented if unpaid and returned
- Informed customer that it is important when writing a check or initiating an ACH that the funds are in the account or there is the potential that item...
is returned unpaid
- Informed customer we have refunded $75.00 in returned NSF fees as a courtesy
-Provided PRU contact information
It has been explained to the customer that we have had our security specialist review the bank video from the day in question and they have determined that she did not give any cash to the banker nor did she walk up to the teller line during her visit and for this reason the position of The Huntington has not changed and we will not be honoring her request for $20. Explained that video is proprietary and will not be shared with customer.
Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding Mustafa Almukhtar, which we received on September 27, 2016 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, The Customer Advocacy Team Huntington National Bank
I never ignored their phone calls nor did I understand what 948.00 was for.
They were cruel and didn't help me at all plus disrespectful to handicap and disabled.
Regards, [redacted]
Dear Revdex.com: [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 24, 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
Subject: FW: You have a new message from the Revdex.com of Central Ohio complaint #[redacted]. We are still in the process of researching this issue. Please extend. Thank you.
Dear [redacted]:I am writing in response to your complaint filed with the Revdex.com ("Revdex.com") regardingoverdraft fees charged to your checking account ending in [redacted] held with the Huntington National Bank("Huntington"). Huntington received this matter for review on May 29,2015.I...
understand your frustration, and apologize for the inconvenience you were caused. Providing customerswith an excellent Huntington experience is our goal, and we are disappointed when we fall short. Pleaseknow that your comments have been heard and forwarded to the appropriate level of management.I have completed a thorough review of your account. Our records indicate that you had elected to "OptIn" to the Debit Overdrafl Service for payment of ATM and everyday debit card transactions onOctober 2 1,2014, at the time of account opening. This means that even if there is not enough money inyour account to cover a transaction presented to us, we may still pay it and cause an overdraft on youraccount to occur which could result in overdraft fees being charged to your account.Please note the following information about 24 Hour race@:When you overdraw your checking account, 24 Hour race@ gives you until the financial cut-off time onthe next business day to make a deposit to cover the overdraft amount, plus any current amounts that mustbe paid. You need to deposit enough to bring your account balance to at least (-$4.99). If you can getyour balance out of the negative please do so, but we give you a $4.99 cushion in case you can't quitemake it all the way.Example: If the account is overdrawn by $100, and a transaction for $100 will post to youraccount on the same day, a $1 96.00 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-offtime 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 1 1 :59 p.m.Member FDIC ' and Huntington are federally registered service marks of Huntington Bancshares lneorporated.For more information and examples regarding 24-Hour grace@ please visit our website atwww.huntington.com/grace/.Please see the following details for your account:On May 19, 201 5, check number 107 in the amount of $200.00 presented to Huntington for payment.This transaction brought your account balance to a negative -$l24.12. A deposit was made on May 20,2015 in the amount of $200.00 to correct the overdraft The overdraft fee of $37.50 was waived perHuntingjon's 24-Hour race@It appears, based on your complaint that the overdraft fees in question began on May 27,201 5. Pleasenote the following regarding your account on May 26,2015, your account had a beginning balance of$6.29.As you can see, the account became overdrawn by the transactions from [redacted] for $98.13 and thecheck #I 1 1 for $261 -90. Also please note that your pending transactions were not deducted from yourrunning balance, as pending transaction do not affect the daily balance.A review of your account activity on May 27,20 15 shows a beginning balance of -$352.23.Although you made a deposit of $86.00 on May 27,2015, to correct the overdraft that occurred on May26,20 15 and your account was not at a 44.99 or higher balance at end of day as required for 24-HourGrace@. Therefore, 24-Hour Grace@ did not waive the two overdraft fees $37.50 you incurred.A review of your account activity on May 28,20 15 shows a beginning balance of -$55 1.02.Three deposits were made on May 28,20 15, to correct the overdraft that occurred on May 27,201 5 andyour account was not at a -34.99 or higher balance at end of day as required for 24-Hour grace@Therefore, 24-Hour &ace@' did not waive the three overdraft fees $37.50 you incurred.On May 29,2015, your payroll check in the amount of $1,019.74 was direct deposited into your accountand brought your account to a positive balance of $709.59.I have confirmed that you are currently enrolled for text alerts that can give you more immediateinformation about your accounts, including balances. I have confirmed that alerts were sent to you onMay 27Ih though May 29"' informing you that your account was overdrawn and you were eligible for 24-Hour grace@Because you feel 24-Hour &ace@ was not properly explained to you, I have refunded $93.75 in overdraftfees to your account on June 3, 2015, as a courtesy.If you have any further questions or concerns, you're welcome to contact me at #######or ###-###-#### extension [redacted]
Dear [redacted]
I am writing in response to
your correspondence addressed to the Revdex.com (“Revdex.com”) regarding your
Huntington debit card ending in [redacted] Huntington received this matter for
review on August 22, 2015. I apologize for any inconvenience this matter...
may
have caused you. After reviewing your debit card and related checking account
(ending in [redacted]), I can provide the following information:
You contacted Huntington by phone on July 6, 2015 to inform us
that you were traveling outside of the United States and would be using
your Huntington debit card to make purchases.
This travel notification was in effect until July 16, 2015
There were no holds placed on your debit card nor any declined
transactions during this timeframe
Your debit card ending in [redacted] was closed on August 4, 2015 when
you informed our [redacted] banking office that there were fraudulent
transactions not authorized or done by you.
Your new debit card ending in [redacted] was received and activated on
August 11, 2015
You initiated debit card dispute case number [redacted] on
August 6, 2015 at our [redacted] banking office indicating that three (3) foreign
ATM withdrawals were fraudulent and not authorized or done by you.
After reviewing the dispute, our Debit Card Operations issued
final credit three (3) amounts of $28.56, $114.25 and $224.22 to your
checking account on August 14, 2015.
Your account was also refunded $0.86, $3.43 and $6.78 for the
foreign transaction fees caused by the transactions being converted into
U.S. dollars when posted to your checking account, as well as, three (2)
fees of $2.00 each because the transactions were completed at a
non-Huntington ATM.
We sent you a confirmation letter via regular U.S. mail on this
same day to inform you of the credits to your checking account.
Please be aware, your
comments regarding your customer service experience described have been shared
with the appropriate levels of banking office management for any possible
coaching and improvement opportunities.
Again, I apologize for any
inconvenience this matter may have caused you; however, we are unable to
provide any additional compensation for expenses you incurred while traveling. In
your complaint, you acknowledged having another method of payment available to
you. Additionally, Huntington is permitted to monitor your activity in an
effort to protect your funds and prevent fraud.
Please know that we do
appreciate your business and value your opinion as a Huntington customer. If I
may be of further assistance to you, please feel free to contact me at
###-###-####, extension [redacted]
Sincerely,
Casey J. S[redacted]
I was called even though I asked specifically to NOT be called since I have difficulty speaking, but was called anyway & the exec told me he thought it was OK since he was calling from "corporate" (special privileges I guess, ones that would surely cancel out my speaking difficulty). I choked out that the missing credit card had arrived late, then hung up on him after hearing his response after I mentioned that they were not to be calling me. If they think all the complaints have been addressed, clearly someone has a reading comprehension problem. Perhaps they are refusing to address the other complaints unless they could do it by phone. They must think they are the only bank in town & that they are allowed to discriminate against the disabled.
Regards, [redacted]
I don't consider it resolved or not resolved.After all issues, more still happened but I just don't care any more. They did send me my new debit card but it took 7 days. No special delivery or expedited. Then, they forgot to mail out my new PIN with debit card. So now I have to wait another week for that. But before realizing they changed my PIN, major problem at the ATM when I was told my PIN wasn't right. Live chat just told me I had to wait 7-10 days for the PIN because they forgot to mail it at the same time as the debit card.She told me there was nothing else they could do. I can't even change it in the meantime because I need the new PIN to change it.I'm tired of having to argue to fix issues that I didn't cause. Or even going out of my way to contact customer service for issues that shouldn't have happened in the first place.
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 June 15, 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 [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 November 15, 2016 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
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 14, 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
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 March 1, 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
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]I have not received a response from the business. My address is [redacted], the report listed my address incorrectly.Fraud was detected on my card by the bank as of 7/27/16 but they did nothing to prevent it.This is the fraud prevention Department at Huntington Bank calling for [redacted]. We need to verify some recent activity on your card ending in ** ** In order to prevent possible difficulties using your card, it's important that you call us back toll free at your earliest convenience at [redacted] to verify this activity you may call us back 24 hours a day seven days a week. The number again is [redacted]. Thank you.
Complaint: [redacted]
I am rejecting this response because:
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 May 2, 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 recent complaint filed through the Revdex.com ("Revdex.com") regardingyour Certificate of Deposit ("CD) accounts and Individual Retirement account held with the HuntingtonNational Bank ("Huntington"). Huntington received this matter for review on May 12,2015.I...
have attempted to contact you directly to discuss your request for the closure of your CD accounts; however Ihave been unable to reach you.Please understand that in order to close out your CD accounts you currently hold with the Huntington, you willneed to visit your local banking office, or a banking office of your choosing. As there is necessary paperworkthat will need to be signed by you to in order to close the accounts due to the total balance of your CD's.Upon review of your concerns I was informed that you have established a meeting with Personal Banker, [redacted], at the [redacted] banking oftice for Thursday May 21,2015. At this time [redacted] will be ableto assist you with the closure of your CD accounts.I understand your frustration, and apologize for the inconvenience you were caused. Providing you with anexcellent Huntington experience is our goal, and we are disappointed when we fall short. Also, please knowthat your comments have been heard and forwarded to the appropriate level of management so that anynecessary improvements can be made.Please know that Huntington did find a potential Huntington Investment Company ("HIC")relationship/account. We have forwarded this concern to HIC for further review and they will respond under aseparate cover regarding your concerns.If I may be of any future assistance, please do not hesitate to contact me at ########or ###-###-#### ext.[redacted]Sincerely,[redacted]
I’m writing in response to your complaint filed with the Revdex.com (“Revdex.com”) regarding your Huntington installment loan account number ending in [redacted]. Huntington received this matter on December 4, 2015 for review. We have attempted to reach you by phone regarding this matter, but have...
been unsuccessful.
Please know that we have completed a thorough review of this matter. Through our research we found the following:
According to the information on file, on November 2, 2011 you purchased a vehicle at [redacted] Motor Company. During that transaction, you opted to apply for financing, and were subsequently approved for a loan from Huntington National Bank.
For your records, we have enclosed a copy of your Huntington Personal Loan Agreement. All of the information about the terms of the contract was provided to you at the time of the purchase. By signing the loan agreement form which explained the terms of the loan, we accepted it as your acknowledgement that you reviewed the terms of the contract and agreed with them. The contract included the following section regarding a prepayment penalty.
“In return for the interest rate provided in this agreement, you agree to pay a
prepayment charge if this loan is paid off prior to the final scheduled due date.
If this loan is not secured by a mortgage on residential real estate, the
prepayment charge is the greater of $125 or 1.25% of the outstanding principal
balance at the time of payoff. However, there is no prepayment charge if we
receive the final payoff of this loan after the payment due date that is 6
payments less than the total number of payments due on the loan. For
example, in a loan with 72 monthly payments, there is no prepayment charge if
we receive the final payoff of your loan after the due date of the 66th payment”.
The scheduled maturity date for this loan is May 2, 2017. In order to avoid paying a prepayment fee, you must have made a full monthly payment of $399.89 every month until November 2, 2016.
Your account is a simple interest installment loan. Simple interest loans are processed as follows:
• To determine the amount of interest that will be deducted from your next payment, the following mathematical formula is used:
Interest Owed = Principal Balance x Interest Rate ÷ Number of days in the current year x Number of days since the last posted payment.
• The interest owed is deducted from your payment first. Then any late fees owed are deducted. The remaining amount is applied to your principal balance. When the next payment is received, the same formula is used with the new principal balance.
• Using the formula above, if a payment is made before the due date, less interest is charged for that payment, more funds are applied to the principal balance, and the account could be paid off earlier than the maturity date. If the payment is made after the due date, more interest is charged, and less is deducted from the principal balance; at the loan’s maturity date, more than the regular monthly payment may be due.
Interest Comparison:
Enclosed are an amortization schedule and a loan payment history. These documents may help clarify your understanding about how your payments were applied, and the principal balance changes.
• Amortization Schedule: This documents shows how the principal balance of the loan would have been paid provided you followed the terms of your personal loan agreement (contract).
• Payment History: This document shows when your payments were received and how they affected your principal balance.
If you feel that Huntington’s payment history is incorrect, we would be happy to review your payment receipts with you. The amount needed to pay this account in full is $90.32. Please make this payment by January 12, 2016 in order to avoid late charges to your loan.
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 ###-###-####. We appreciate your business and the opportunity to address your concerns.
Sincerely,
Bob A[redacted] Senior Specialist
Customer Advocacy Response Team
Dear Revdex.com/: [redacted] Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding Ms. [redacted], which we received on June 12, 2017 for review. Please accept this correspondence as our...
confirmation that we have completed a thorough review of this matter and have contacted Ms. [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
[redacted]
[redacted]
[redacted]
[redacted]
March 6, 2017 [redacted]
[redacted]
[redacted] Re: Revdex.com Case #: 12020272 Huntington Case #: 00331567 ...
Dear Revdex.com/: [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 March 3, 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, [redacted] Huntington National Bank
Case closed with telephone call to customer:
- Apologized for service described
-Explained a checked can be represented if unpaid and returned
- Informed customer that it is important when writing a check or initiating an ACH that the funds are in the account or there is the potential that item...
is returned unpaid
- Informed customer we have refunded $75.00 in returned NSF fees as a courtesy
-Provided PRU contact information
It has been explained to the customer that we have had our security specialist review the bank video from the day in question and they have determined that she did not give any cash to the banker nor did she walk up to the teller line during her visit and for this reason the position of The Huntington has not changed and we will not be honoring her request for $20. Explained that video is proprietary and will not be shared with customer.
Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding Mustafa Almukhtar, which we received on September 27, 2016 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, The Customer Advocacy Team Huntington National Bank
I never ignored their phone calls nor did I understand what 948.00 was for.
They were cruel and didn't help me at all plus disrespectful to handicap and disabled.
Regards, [redacted]
Dear Revdex.com: [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 24, 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
Subject: FW: You have a new message from the Revdex.com of Central Ohio complaint #[redacted]. We are still in the process of researching this issue. Please extend. Thank you.
Dear [redacted]:I am writing in response to your complaint filed with the Revdex.com ("Revdex.com") regardingoverdraft fees charged to your checking account ending in [redacted] held with the Huntington National Bank("Huntington"). Huntington received this matter for review on May 29,2015.I...
understand your frustration, and apologize for the inconvenience you were caused. Providing customerswith an excellent Huntington experience is our goal, and we are disappointed when we fall short. Pleaseknow that your comments have been heard and forwarded to the appropriate level of management.I have completed a thorough review of your account. Our records indicate that you had elected to "OptIn" to the Debit Overdrafl Service for payment of ATM and everyday debit card transactions onOctober 2 1,2014, at the time of account opening. This means that even if there is not enough money inyour account to cover a transaction presented to us, we may still pay it and cause an overdraft on youraccount to occur which could result in overdraft fees being charged to your account.Please note the following information about 24 Hour race@:When you overdraw your checking account, 24 Hour race@ gives you until the financial cut-off time onthe next business day to make a deposit to cover the overdraft amount, plus any current amounts that mustbe paid. You need to deposit enough to bring your account balance to at least (-$4.99). If you can getyour balance out of the negative please do so, but we give you a $4.99 cushion in case you can't quitemake it all the way.Example: If the account is overdrawn by $100, and a transaction for $100 will post to youraccount on the same day, a $1 96.00 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-offtime 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 1 1 :59 p.m.Member FDIC ' and Huntington are federally registered service marks of Huntington Bancshares lneorporated.For more information and examples regarding 24-Hour grace@ please visit our website atwww.huntington.com/grace/.Please see the following details for your account:On May 19, 201 5, check number 107 in the amount of $200.00 presented to Huntington for payment.This transaction brought your account balance to a negative -$l24.12. A deposit was made on May 20,2015 in the amount of $200.00 to correct the overdraft The overdraft fee of $37.50 was waived perHuntingjon's 24-Hour race@It appears, based on your complaint that the overdraft fees in question began on May 27,201 5. Pleasenote the following regarding your account on May 26,2015, your account had a beginning balance of$6.29.As you can see, the account became overdrawn by the transactions from [redacted] for $98.13 and thecheck #I 1 1 for $261 -90. Also please note that your pending transactions were not deducted from yourrunning balance, as pending transaction do not affect the daily balance.A review of your account activity on May 27,20 15 shows a beginning balance of -$352.23.Although you made a deposit of $86.00 on May 27,2015, to correct the overdraft that occurred on May26,20 15 and your account was not at a 44.99 or higher balance at end of day as required for 24-HourGrace@. Therefore, 24-Hour Grace@ did not waive the two overdraft fees $37.50 you incurred.A review of your account activity on May 28,20 15 shows a beginning balance of -$55 1.02.Three deposits were made on May 28,20 15, to correct the overdraft that occurred on May 27,201 5 andyour account was not at a -34.99 or higher balance at end of day as required for 24-Hour grace@Therefore, 24-Hour &ace@' did not waive the three overdraft fees $37.50 you incurred.On May 29,2015, your payroll check in the amount of $1,019.74 was direct deposited into your accountand brought your account to a positive balance of $709.59.I have confirmed that you are currently enrolled for text alerts that can give you more immediateinformation about your accounts, including balances. I have confirmed that alerts were sent to you onMay 27Ih though May 29"' informing you that your account was overdrawn and you were eligible for 24-Hour grace@Because you feel 24-Hour &ace@ was not properly explained to you, I have refunded $93.75 in overdraftfees to your account on June 3, 2015, as a courtesy.If you have any further questions or concerns, you're welcome to contact me at #######or ###-###-#### extension [redacted]
Dear [redacted]
I am writing in response to
your correspondence addressed to the Revdex.com (“Revdex.com”) regarding your
Huntington debit card ending in [redacted] Huntington received this matter for
review on August 22, 2015. I apologize for any inconvenience this matter...
may
have caused you. After reviewing your debit card and related checking account
(ending in [redacted]), I can provide the following information:
You contacted Huntington by phone on July 6, 2015 to inform us
that you were traveling outside of the United States and would be using
your Huntington debit card to make purchases.
This travel notification was in effect until July 16, 2015
There were no holds placed on your debit card nor any declined
transactions during this timeframe
Your debit card ending in [redacted] was closed on August 4, 2015 when
you informed our [redacted] banking office that there were fraudulent
transactions not authorized or done by you.
Your new debit card ending in [redacted] was received and activated on
August 11, 2015
You initiated debit card dispute case number [redacted] on
August 6, 2015 at our [redacted] banking office indicating that three (3) foreign
ATM withdrawals were fraudulent and not authorized or done by you.
After reviewing the dispute, our Debit Card Operations issued
final credit three (3) amounts of $28.56, $114.25 and $224.22 to your
checking account on August 14, 2015.
Your account was also refunded $0.86, $3.43 and $6.78 for the
foreign transaction fees caused by the transactions being converted into
U.S. dollars when posted to your checking account, as well as, three (2)
fees of $2.00 each because the transactions were completed at a
non-Huntington ATM.
We sent you a confirmation letter via regular U.S. mail on this
same day to inform you of the credits to your checking account.
Please be aware, your
comments regarding your customer service experience described have been shared
with the appropriate levels of banking office management for any possible
coaching and improvement opportunities.
Again, I apologize for any
inconvenience this matter may have caused you; however, we are unable to
provide any additional compensation for expenses you incurred while traveling. In
your complaint, you acknowledged having another method of payment available to
you. Additionally, Huntington is permitted to monitor your activity in an
effort to protect your funds and prevent fraud.
Please know that we do
appreciate your business and value your opinion as a Huntington customer. If I
may be of further assistance to you, please feel free to contact me at
###-###-####, extension [redacted]
Sincerely,
Casey J. S[redacted]
I was called even though I asked specifically to NOT be called since I have difficulty speaking, but was called anyway & the exec told me he thought it was OK since he was calling from "corporate" (special privileges I guess, ones that would surely cancel out my speaking difficulty). I choked out that the missing credit card had arrived late, then hung up on him after hearing his response after I mentioned that they were not to be calling me. If they think all the complaints have been addressed, clearly someone has a reading comprehension problem. Perhaps they are refusing to address the other complaints unless they could do it by phone. They must think they are the only bank in town & that they are allowed to discriminate against the disabled.
Regards, [redacted]
I don't consider it resolved or not resolved.After all issues, more still happened but I just don't care any more. They did send me my new debit card but it took 7 days. No special delivery or expedited. Then, they forgot to mail out my new PIN with debit card. So now I have to wait another week for that. But before realizing they changed my PIN, major problem at the ATM when I was told my PIN wasn't right. Live chat just told me I had to wait 7-10 days for the PIN because they forgot to mail it at the same time as the debit card.She told me there was nothing else they could do. I can't even change it in the meantime because I need the new PIN to change it.I'm tired of having to argue to fix issues that I didn't cause. Or even going out of my way to contact customer service for issues that shouldn't have happened in the first place.
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 June 15, 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 [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 November 15, 2016 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
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 14, 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
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 March 1, 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
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]I have not received a response from the business. My address is [redacted], the report listed my address incorrectly.Fraud was detected on my card by the bank as of 7/27/16 but they did nothing to prevent it.This is the fraud prevention Department at Huntington Bank calling for [redacted]. We need to verify some recent activity on your card ending in ** ** In order to prevent possible difficulties using your card, it's important that you call us back toll free at your earliest convenience at [redacted] to verify this activity you may call us back 24 hours a day seven days a week. The number again is [redacted]. Thank you.
Complaint: [redacted]
I am rejecting this response because:
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 May 2, 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 recent complaint filed through the Revdex.com ("Revdex.com") regardingyour Certificate of Deposit ("CD) accounts and Individual Retirement account held with the HuntingtonNational Bank ("Huntington"). Huntington received this matter for review on May 12,2015.I...
have attempted to contact you directly to discuss your request for the closure of your CD accounts; however Ihave been unable to reach you.Please understand that in order to close out your CD accounts you currently hold with the Huntington, you willneed to visit your local banking office, or a banking office of your choosing. As there is necessary paperworkthat will need to be signed by you to in order to close the accounts due to the total balance of your CD's.Upon review of your concerns I was informed that you have established a meeting with Personal Banker, [redacted], at the [redacted] banking oftice for Thursday May 21,2015. At this time [redacted] will be ableto assist you with the closure of your CD accounts.I understand your frustration, and apologize for the inconvenience you were caused. Providing you with anexcellent Huntington experience is our goal, and we are disappointed when we fall short. Also, please knowthat your comments have been heard and forwarded to the appropriate level of management so that anynecessary improvements can be made.Please know that Huntington did find a potential Huntington Investment Company ("HIC")relationship/account. We have forwarded this concern to HIC for further review and they will respond under aseparate cover regarding your concerns.If I may be of any future assistance, please do not hesitate to contact me at ########or ###-###-#### ext.[redacted]Sincerely,[redacted]