Dear [redacted]:
The Huntington National Bank (“Huntington”) is in receipt of your complaint filed with the Revdex.com (“Revdex.com”) regarding your checking account referenced above. We received this matter for review on January 8, 2016.
After a careful review of your checking...
account, our findings have revealed the following:
• On December 18, 2015, you initiated debit card dispute case; number [redacted], for transactions that totaled $1,279.15 from [redacted] when the alleged agreed amount was $1,106.00.
• On December 21, 2015, our review of the transactions determined the charges appeared to be valid per the documentation provided by the merchant; a letter was mailed to you informing you of the outcome.
• On December 28, 2015, you initiated debit card dispute case; number [redacted] for two (2) transactions of $367.71 and $10.99.
• On January 11, 2016, you were provided a provisional credit for $378.70: $367.71 and $10.99.
In your correspondence you state that you requested Huntington to not pay a transaction for $261.38. Please know that the transactions from [redacted] are debit card transactions which cannot have a stop payment placed. Further, these are transactions of which you participated in and the merchant has received prior authorization to debit your account.
At this time we are waiting for the merchant to respond which can take up to 45 days to resolve. Once we receive a response from the merchant we can determine if the charges of $367.71 and $10.99 are valid and you will be notified under separate cover.
If you disagree with any of our above findings, you may contact the merchant directly to dispute the charges. At the present time we will not be offering any further compensation. If you have further questions or concerns please do not hesitate to contact me directly at ###-###-#### or toll free at ###-###-####.
Sincerely,
Josh B[redacted]
March 15, 2017 Re: [redacted]
[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 March 11, 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] Tell us why here...
The Huntington National Bank Customer Advocacy Team EA1W02 [redacted]
[redacted] August 2, 2017 [redacted]
[redacted]
[redacted] [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 August 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
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 December 8, 2016 for review. Please accept this correspondence as our confirmation that we have completed a thorough review of this matter and have contacted [redacted] 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]This letter is intended to follow up to our conversation December 4, 20 15. regarding your complaintfiled with the Revdex.com ("Revdex.com")...
and your correspondence to CEO, Steven Steinour, aboutthe service issues you have experienced. It was a pleasure speaking with you.Thank you for taking the time to bring this matter to our attention. Providing customers with an excellentHuntington experience is our goal. and we are disappointed when we fall short. As \lie discussed, pleaseknow that your complaints have been heard and forwarded to the appropriate level of management as acoaching opportunity.Per our conversation, you stated that you have since received the requested IRS form. Please hnow that ifyou need any additional assistance. you're more than welcome to contact me directly and I will be happyto assist you.Please accept the enclosed American Express gift card as a token of our appreciation for your business, aswell as for any inconvenience this matter may have caused.If you have further comments or questions; you're welcome to call me directly at ###-###-#### or###-###-####, extension [redacted] and I'll be happy to assist you.Sincerely,Jessica L[redacted]
Dear Ms. [redacted]
I’m writing in response to your complaint filed with the Revdex.com regarding your Huntington checking account number ending in [redacted]. Huntington received this matter for review on November 2, 2015.
Please know that we have completed a thorough review of this...
matter. Please note the following information:
Huntington Mobile App & Alerts:
When you make a purchase at a vendor/merchant, they may only send an authorization to Huntington to verify that there is an active account. They may not send a demand for payment on the same day. This may cause pending transactions to “drop off” without debiting your account. When the vendor/merchant demands payment, Huntington then debits your account.
The key to avoiding overdraft fees is maintaining an accurate check register. While our Voice Response Unit, Online Banking and Mobile Banking can assist you in doing so, it is the responsibility of our customers to know the balance in their account.
Our records show that you are registered to receive both Email and Text alerts. These alerts can give you more immediate information about your accounts, including balances and incoming payment demands. If you would like more details regarding these alerts please visit Huntington.com or contact our Phone Bank at ###-###-####.
Ms. [redacted] we have refunded two $37.50 overdraft fees ($75.00) as a courtesy. Huntington has now refunded $143.44 in overdraft fees since February 11, 2015. No further courtesy refunds will be offered on this account.
Huntington Banking Offices
Please note that Huntington has three banking offices in your area. Please note the following:
· Franklin Banking Office:
South Main Street, Franklin Ohio 45005 (7.6 miles)
· Germantown Banking Office
1 N Plum St, Germantown, OH 45327 (11.5 miles)
· Springboro Banking Office
736 N Main St, Springboro, OH 45066 (13.2 Miles)
Huntington Debit Cards:
On October 5, 2015, Huntington began issuing debit cards with a new EMV (“Europay, Mastercard, Visa.”) security chip. The machines that read EMV cards contain EMV technology. It is this chip and PIN technology that makes an already secure card even safer, as the microchip embedded in the card provides increased protection against fraud when used at merchants that have EMV-enabled terminals. These new chip cards have both the chip and the magnetic stripe to ensure they still work at terminals that are not yet EMV compatible.
Please note that the new card that was sent to you is linked to the same account as your previous debit card. This means that it does not matter which card you use, the funds are taken out of your checking account number ending in [redacted]
Huntington Checking Account ending in [redacted]
We have verified that you have selected “OPT IN” for all transactions for your overdraft election. This means that you made the selection to have Huntington pay your point of sale transactions in which you swipe your debit card, or perform an ATM transaction.
By making this selection, you agreed to allow Huntington to pay items in which your debit card was used, that may overdraw your account, and may be subject to receiving overdraft fees if you do not make a timely and sufficient deposit to cover the overdraft amount.
This also means each time we get an ACH item or a Personal check that exceeds the account balance, Huntington decides whether to return it or pay it.
Our decision to pay transactions that will overdraft your account is at Huntington’s discretion. The decision is based on customer history, amount of the transaction, account balance and past or current bankruptcy.
Please the following timeline:
October 13, 2015:
Our records show when three electronic transactions (ACH) from PayPal ($8.10; $11.26 and $46.99) were presented to Huntington for payment your account balance was $0.58. These items were returned unpaid and three $37.50 Returned Item Fees were charged to your account. I have enclosed a copy of your “Notice of Insufficient Funds” for your review.
October 14, 2015:
Our records show when an electronic transactions (ACH) from PayPal in the amount of $22.50 was presented to Huntington for payment your account balance was -$111.92. This item was returned unpaid and a $37.50 Returned Item Fee was charged to your account. I have enclosed a copy of your “Notice of Insufficient Funds” for your review.
October 16, 2015:
Our records show when an electronic transaction (ACH) in the amount of $168.51 was presented to Huntington for payment your account balance was $69.17. This item was returned unpaid and a $37.50 Returned Item Fee was charged to your account.
I have enclosed a copy of your “Notice of Insufficient Funds” for your review.
October 28, 2015:
Our records show when an electronic transaction (ACH) in the amount of $188.37 was presented to Huntington for payment your account balance was $7.72. This item was returned unpaid and a $37.50 Returned Item Fee was charged to your account. I have enclosed a copy of your “Notice of Insufficient Funds” for your review.
Ms. [redacted] since there was not a Huntington error, we will not offer a refund of a $30.00 fee charged to you by Time Warner Cable.
We sincerely regret any confusion regarding our 24 Hour Grace® service . If you have additional questions, please feel free to contact me directly at ###-###-####. We appreciate your business and the opportunity to respond to your concerns.
Sincerely,
Bob A[redacted]
[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 May1, 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 June 7, 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...
June 21, 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 regarding your Huntington installment loan account number ending in [redacted]. Huntington received this for review on December 28, 2015.
It was a pleasure discussing this concern via email with you...
and this letter is a follow up to our conversation.
On October 16, 2015, our Customer Assistance Team agreed to accept a $248.98 payment and apply a loan extension to your loan. The $248.98 payment was applied to your September 5, 2015 owed payment and the loan extension allowed you to skip your October 5, 2015 payment. Your next payment of $248.98 was due on November 5, 2015.
Our records show that the next payment that was made to this account was on December 29, 2015. This $248.98 payment was applied to the November 5, 2015 owed payment.
We have enclosed a copy of your loan payment history for your review. If you feel that this payment history is incorrect, we would be happy to review your payment receipts with you and make any adjustments to your account.
As you may know, Huntington reports loan information in accordance with the Fair Credit Reporting Act. If you disagree with any information that we are reporting, you have the option of disputing the information with the credit agencies directly. If you would like to do so, you can contact the credit agencies using the following contact information:
Experian TransUnion Equifax
P.O. Box 2002 P.O. Box 1000 P.O. Box 740241
Allen TX 75013 Chester PA 19022 Atlanta GA 30374
###-###-#### ###-###-#### ###-###-####
www experian com www transunion com www equifax com
Federal law requires each of the three nationwide consumer credit reporting companies - Equifax, Experian and TransUnion to give you a free credit report every 12 months if you ask for it. You can obtain a free copy of your credit report at AnnualCreditReport.com. If you would like to do so, you can contact the credit agencies using the following contact information:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
###-###-####
www annualcreditreport com
Ms. [redacted] we sincerely regret any confusion regarding this situation. As of today, a $248.98 payment is due for your December 5, 2015 payment and a $248.98 payment is due for your January 5, 2016 payment (Total due $497.96). Since a Huntington error was not found, a refund of the late fees will not be offered.
If you have additional questions, please feel free to contact me directly at ###-###-#### or Toll Free at ###-###-#### (ask for extension [redacted]). We appreciate your business and the opportunity to address your concerns.
Sincerely,
Bob A[redacted]
In phone call from business, business stated that the documents consumer sent to Revdex.com in his rejection are the same documents they shared with him. Business stated they are standing by their original response and response to consumer's rejection and the documentation they provided.
Dear Mr. [redacted]:
We are writing in response to your contact with the Revdex.com (“Revdex.com”) as well as the Customer Service Center of The Huntington National Bank (“Huntington”) regarding the denial of an application for a Personal Credit Line (“PCL”). We received this matter for review...
on November 6, 2015.
Please accept our sincere apologies for any inconvenience this matter may have caused and for any misunderstanding that may have occurred. We deeply regret that you were not satisfied with your experience.
We have completed a thorough review of your mortgage and PCL application records.
Our research shows that at the time you were preapproved for your mortgage loan, the Mortgage Loan Officer (“MLO”) believed, based on the information he had at the time that you were a good candidate for a PCL though no PCL application was taken.
Even if you had applied and had been preapproved for a PCL, Mr. [redacted], a preapproval or prequalification for a loan is not a guarantee of loan approval. A preapproval is a preliminary evaluation of the type and size of mortgage available to a borrower prior to verification of income, assets, credit, debt ratio and property valuation, etc.
You applied for your Mortgage loan on August 17, 2015 and closed on the mortgage loan October 16, 2015. Your application was taken for a PCL on October 24, 2015. Huntington was unable to approve your application for the PCL because your Equifax credit score had dropped from 673 (August 17, 2015) to 658 (October 24, 2015), as well as your use of revolving debt.
Unfortunately, based on this information, we were unable to approve your request for a PCL at this time. If you have further questions regarding your credit you may obtain a free copy of your credit report. Federal law requires each of the three nationwide consumer credit reporting companies - Equifax, Experian and TransUnion to give you a free credit report every 12 months if you ask for it.
If you would like to do so, you can contact the credit agencies using the following contact information:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
###-###-####
www.annualcreditreport.com
Thank you for the opportunity to address your concerns. If you have additional questions, you’re welcome to call me at ###-###-#### or ###-###-####, extension [redacted]
Sincerely,
Beth C[redacted]
[redacted]
*Advised customer that the PCL agreement he signed stated the terms of the loan, including the interest being charged of 4.44%*Advised customer, as an act of good customer service, the interest he would have been charged from 3/30/16-9/30/16 has been refunded to him in the amount of $226.02 by the...
I'm rejecting this response from Huntington Bank for a si for reason. The letter I received in the mail, I received 3 days after I contacted the Revdex.com. However, the letter head is dated on the 28th. I'm sorry, it doesn't take the mail 9 days to get here. So to me, all that proves NEGLIGENCE on behalf of Huntington bank. That the only reason they mailed me an official letter was because I contacted the Revdex.com, not before like they're making it appear. How do I know? The stamped envelope has a date on it. It didn't take 9 days to arrive to me. It tool 3. So to be honest, It's a deceptive practice, minor issue or not, It's deceptive and I will be switching banks as soon as possible.
Like I said before, every disputed claimed was denied because Huntington claimed they were all PIN charges. This was a lie. I received ONE temporary credit and request for more information with a timeline that was impossible to meet.Horrible customer service.
I specifically asked these questions of the gentleman and he assured us my son would be eligible. I worked in a bank and I know people bend the rules - that is not what I want. I want my young son to feel he can trust the bank. This is a terrible start. He was promised in person face to face that he would get this. If your people will say anything to get a young kid to bank with you then I don't want to be associated with this institution. I am the one who brought up my concerns. The young man assured us this was not the case. Maybe honesty is a better approach than pushing goals on young tellers. I did not try to trick the young man - I brought up my concerns. You need to make this right. You are dealing with an impressionable 16 year old young man with a future of earning potential. Do you value your clients or just your quotas?
Regards, [redacted]
Dear [redacted]:
The Huntington National Bank (“Huntington”) is in receipt of your complaint filed with the Revdex.com (“Revdex.com”) regarding your checking account referenced above. We received this matter for review on January 8, 2016.
After a careful review of your checking...
account, our findings have revealed the following:
• On December 18, 2015, you initiated debit card dispute case; number [redacted], for transactions that totaled $1,279.15 from [redacted] when the alleged agreed amount was $1,106.00.
• On December 21, 2015, our review of the transactions determined the charges appeared to be valid per the documentation provided by the merchant; a letter was mailed to you informing you of the outcome.
• On December 28, 2015, you initiated debit card dispute case; number [redacted] for two (2) transactions of $367.71 and $10.99.
• On January 11, 2016, you were provided a provisional credit for $378.70: $367.71 and $10.99.
In your correspondence you state that you requested Huntington to not pay a transaction for $261.38. Please know that the transactions from [redacted] are debit card transactions which cannot have a stop payment placed. Further, these are transactions of which you participated in and the merchant has received prior authorization to debit your account.
At this time we are waiting for the merchant to respond which can take up to 45 days to resolve. Once we receive a response from the merchant we can determine if the charges of $367.71 and $10.99 are valid and you will be notified under separate cover.
If you disagree with any of our above findings, you may contact the merchant directly to dispute the charges. At the present time we will not be offering any further compensation. If you have further questions or concerns please do not hesitate to contact me directly at ###-###-#### or toll free at ###-###-####.
Sincerely,
Josh B[redacted]
March 15, 2017 Re: [redacted]
[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 March 11, 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] Tell us why here...
The Huntington National Bank Customer Advocacy Team EA1W02 [redacted]
[redacted] August 2, 2017 [redacted]
[redacted]
[redacted] [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 August 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
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 December 8, 2016 for review. Please accept this correspondence as our confirmation that we have completed a thorough review of this matter and have contacted [redacted] 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]This letter is intended to follow up to our conversation December 4, 20 15. regarding your complaintfiled with the Revdex.com ("Revdex.com")...
and your correspondence to CEO, Steven Steinour, aboutthe service issues you have experienced. It was a pleasure speaking with you.Thank you for taking the time to bring this matter to our attention. Providing customers with an excellentHuntington experience is our goal. and we are disappointed when we fall short. As \lie discussed, pleaseknow that your complaints have been heard and forwarded to the appropriate level of management as acoaching opportunity.Per our conversation, you stated that you have since received the requested IRS form. Please hnow that ifyou need any additional assistance. you're more than welcome to contact me directly and I will be happyto assist you.Please accept the enclosed American Express gift card as a token of our appreciation for your business, aswell as for any inconvenience this matter may have caused.If you have further comments or questions; you're welcome to call me directly at ###-###-#### or###-###-####, extension [redacted] and I'll be happy to assist you.Sincerely,Jessica L[redacted]
Dear Ms. [redacted]
I’m writing in response to your complaint filed with the Revdex.com regarding your Huntington checking account number ending in [redacted]. Huntington received this matter for review on November 2, 2015.
Please know that we have completed a thorough review of this...
matter. Please note the following information:
Huntington Mobile App & Alerts:
When you make a purchase at a vendor/merchant, they may only send an authorization to Huntington to verify that there is an active account. They may not send a demand for payment on the same day. This may cause pending transactions to “drop off” without debiting your account. When the vendor/merchant demands payment, Huntington then debits your account.
The key to avoiding overdraft fees is maintaining an accurate check register. While our Voice Response Unit, Online Banking and Mobile Banking can assist you in doing so, it is the responsibility of our customers to know the balance in their account.
Our records show that you are registered to receive both Email and Text alerts. These alerts can give you more immediate information about your accounts, including balances and incoming payment demands. If you would like more details regarding these alerts please visit Huntington.com or contact our Phone Bank at ###-###-####.
Ms. [redacted] we have refunded two $37.50 overdraft fees ($75.00) as a courtesy. Huntington has now refunded $143.44 in overdraft fees since February 11, 2015. No further courtesy refunds will be offered on this account.
Huntington Banking Offices
Please note that Huntington has three banking offices in your area. Please note the following:
· Franklin Banking Office:
South Main Street, Franklin Ohio 45005 (7.6 miles)
· Germantown Banking Office
1 N Plum St, Germantown, OH 45327 (11.5 miles)
· Springboro Banking Office
736 N Main St, Springboro, OH 45066 (13.2 Miles)
Huntington Debit Cards:
On October 5, 2015, Huntington began issuing debit cards with a new EMV (“Europay, Mastercard, Visa.”) security chip. The machines that read EMV cards contain EMV technology. It is this chip and PIN technology that makes an already secure card even safer, as the microchip embedded in the card provides increased protection against fraud when used at merchants that have EMV-enabled terminals. These new chip cards have both the chip and the magnetic stripe to ensure they still work at terminals that are not yet EMV compatible.
Please note that the new card that was sent to you is linked to the same account as your previous debit card. This means that it does not matter which card you use, the funds are taken out of your checking account number ending in [redacted]
Huntington Checking Account ending in [redacted]
We have verified that you have selected “OPT IN” for all transactions for your overdraft election. This means that you made the selection to have Huntington pay your point of sale transactions in which you swipe your debit card, or perform an ATM transaction.
By making this selection, you agreed to allow Huntington to pay items in which your debit card was used, that may overdraw your account, and may be subject to receiving overdraft fees if you do not make a timely and sufficient deposit to cover the overdraft amount.
This also means each time we get an ACH item or a Personal check that exceeds the account balance, Huntington decides whether to return it or pay it.
Our decision to pay transactions that will overdraft your account is at Huntington’s discretion. The decision is based on customer history, amount of the transaction, account balance and past or current bankruptcy.
Please the following timeline:
October 13, 2015:
Our records show when three electronic transactions (ACH) from PayPal ($8.10; $11.26 and $46.99) were presented to Huntington for payment your account balance was $0.58. These items were returned unpaid and three $37.50 Returned Item Fees were charged to your account. I have enclosed a copy of your “Notice of Insufficient Funds” for your review.
October 14, 2015:
Our records show when an electronic transactions (ACH) from PayPal in the amount of $22.50 was presented to Huntington for payment your account balance was -$111.92. This item was returned unpaid and a $37.50 Returned Item Fee was charged to your account. I have enclosed a copy of your “Notice of Insufficient Funds” for your review.
October 16, 2015:
Our records show when an electronic transaction (ACH) in the amount of $168.51 was presented to Huntington for payment your account balance was $69.17. This item was returned unpaid and a $37.50 Returned Item Fee was charged to your account.
I have enclosed a copy of your “Notice of Insufficient Funds” for your review.
October 28, 2015:
Our records show when an electronic transaction (ACH) in the amount of $188.37 was presented to Huntington for payment your account balance was $7.72. This item was returned unpaid and a $37.50 Returned Item Fee was charged to your account. I have enclosed a copy of your “Notice of Insufficient Funds” for your review.
Ms. [redacted] since there was not a Huntington error, we will not offer a refund of a $30.00 fee charged to you by Time Warner Cable.
We sincerely regret any confusion regarding our 24 Hour Grace® service . If you have additional questions, please feel free to contact me directly at ###-###-####. We appreciate your business and the opportunity to respond to your concerns.
Sincerely,
Bob A[redacted]
[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 May1, 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 June 7, 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...
June 21, 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 regarding your Huntington installment loan account number ending in [redacted]. Huntington received this for review on December 28, 2015.
It was a pleasure discussing this concern via email with you...
and this letter is a follow up to our conversation.
On October 16, 2015, our Customer Assistance Team agreed to accept a $248.98 payment and apply a loan extension to your loan. The $248.98 payment was applied to your September 5, 2015 owed payment and the loan extension allowed you to skip your October 5, 2015 payment. Your next payment of $248.98 was due on November 5, 2015.
Our records show that the next payment that was made to this account was on December 29, 2015. This $248.98 payment was applied to the November 5, 2015 owed payment.
We have enclosed a copy of your loan payment history for your review. If you feel that this payment history is incorrect, we would be happy to review your payment receipts with you and make any adjustments to your account.
As you may know, Huntington reports loan information in accordance with the Fair Credit Reporting Act. If you disagree with any information that we are reporting, you have the option of disputing the information with the credit agencies directly. If you would like to do so, you can contact the credit agencies using the following contact information:
Experian TransUnion Equifax
P.O. Box 2002 P.O. Box 1000 P.O. Box 740241
Allen TX 75013 Chester PA 19022 Atlanta GA 30374
###-###-#### ###-###-#### ###-###-####
www experian com www transunion com www equifax com
Federal law requires each of the three nationwide consumer credit reporting companies - Equifax, Experian and TransUnion to give you a free credit report every 12 months if you ask for it. You can obtain a free copy of your credit report at AnnualCreditReport.com. If you would like to do so, you can contact the credit agencies using the following contact information:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
###-###-####
www annualcreditreport com
Ms. [redacted] we sincerely regret any confusion regarding this situation. As of today, a $248.98 payment is due for your December 5, 2015 payment and a $248.98 payment is due for your January 5, 2016 payment (Total due $497.96). Since a Huntington error was not found, a refund of the late fees will not be offered.
If you have additional questions, please feel free to contact me directly at ###-###-#### or Toll Free at ###-###-#### (ask for extension [redacted]). We appreciate your business and the opportunity to address your concerns.
Sincerely,
Bob A[redacted]
Huntington contacted our customer directly to review his text alerts, and provide information about his account and the 24 Hour Grace service.
In phone call from business, business stated that the documents consumer sent to Revdex.com in his rejection are the same documents they shared with him. Business stated they are standing by their original response and response to consumer's rejection and the documentation they provided.
Dear Mr. [redacted]:
We are writing in response to your contact with the Revdex.com (“Revdex.com”) as well as the Customer Service Center of The Huntington National Bank (“Huntington”) regarding the denial of an application for a Personal Credit Line (“PCL”). We received this matter for review...
on November 6, 2015.
Please accept our sincere apologies for any inconvenience this matter may have caused and for any misunderstanding that may have occurred. We deeply regret that you were not satisfied with your experience.
We have completed a thorough review of your mortgage and PCL application records.
Our research shows that at the time you were preapproved for your mortgage loan, the Mortgage Loan Officer (“MLO”) believed, based on the information he had at the time that you were a good candidate for a PCL though no PCL application was taken.
Even if you had applied and had been preapproved for a PCL, Mr. [redacted], a preapproval or prequalification for a loan is not a guarantee of loan approval. A preapproval is a preliminary evaluation of the type and size of mortgage available to a borrower prior to verification of income, assets, credit, debt ratio and property valuation, etc.
You applied for your Mortgage loan on August 17, 2015 and closed on the mortgage loan October 16, 2015. Your application was taken for a PCL on October 24, 2015. Huntington was unable to approve your application for the PCL because your Equifax credit score had dropped from 673 (August 17, 2015) to 658 (October 24, 2015), as well as your use of revolving debt.
Unfortunately, based on this information, we were unable to approve your request for a PCL at this time. If you have further questions regarding your credit you may obtain a free copy of your credit report. Federal law requires each of the three nationwide consumer credit reporting companies - Equifax, Experian and TransUnion to give you a free credit report every 12 months if you ask for it.
If you would like to do so, you can contact the credit agencies using the following contact information:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
###-###-####
www.annualcreditreport.com
Thank you for the opportunity to address your concerns. If you have additional questions, you’re welcome to call me at ###-###-#### or ###-###-####, extension [redacted]
Sincerely,
Beth C[redacted]
[redacted]
*Advised customer that the PCL agreement he signed stated the terms of the loan, including the interest being charged of 4.44%*Advised customer, as an act of good customer service, the interest he would have been charged from 3/30/16-9/30/16 has been refunded to him in the amount of $226.02 by the...
branch.*Apologized for any misunderstanding.
I'm rejecting this response from Huntington Bank for a si for reason. The letter I received in the mail, I received 3 days after I contacted the Revdex.com. However, the letter head is dated on the 28th. I'm sorry, it doesn't take the mail 9 days to get here. So to me, all that proves NEGLIGENCE on behalf of Huntington bank. That the only reason they mailed me an official letter was because I contacted the Revdex.com, not before like they're making it appear. How do I know? The stamped envelope has a date on it. It didn't take 9 days to arrive to me. It tool 3. So to be honest, It's a deceptive practice, minor issue or not, It's deceptive and I will be switching banks as soon as possible.
Like I said before, every disputed claimed was denied because Huntington claimed they were all PIN charges. This was a lie. I received ONE temporary credit and request for more information with a timeline that was impossible to meet.Horrible customer service.
I specifically asked these questions of the gentleman and he assured us my son would be eligible. I worked in a bank and I know people bend the rules - that is not what I want. I want my young son to feel he can trust the bank. This is a terrible start. He was promised in person face to face that he would get this. If your people will say anything to get a young kid to bank with you then I don't want to be associated with this institution. I am the one who brought up my concerns. The young man assured us this was not the case. Maybe honesty is a better approach than pushing goals on young tellers. I did not try to trick the young man - I brought up my concerns. You need to make this right. You are dealing with an impressionable 16 year old young man with a future of earning potential. Do you value your clients or just your quotas?
Regards, [redacted]
see attached
Please extend this case as we are still researching the customer’s concerns. Thank you.
The business is failing to address why they are allowing a fraudulent signature pass as mine.
Regards,
[redacted]