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Kayga Electric Reviews (851)

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 matter on February 1, 2016 for review.
We have attempted to reach you by telephone regarding...

this matter, but have been unsuccessful. Please know that we have completed a thorough review of this matter. As a result of our review we found that our Customer Assistance Team has been working with you in regards to the past due payments on this loan since April 2015. We have enclosed a copy of your loan payment history for your review.
Please note the following timeline:
December 17, 2014:
Huntington received notification that you did not have physical damage insurance coverage on the collateral of this loan. We sent the enclosed letter stating:
• Thank you for recently financing your vehicle with The Huntington National Bank. The terms of your loan agreement require you to furnish evidence of physical damage insurance coverage for the vehicle listed below. As of the date of this letter, our files do not contain evidence of this coverage.
• In the event we do not receive evidence of your insurance coverage, we may purchase insurance on your behalf.
December 23, 2014:
Huntington received verification that you have obtained physical damage insurance coverage for the vehicle.
April 14, 2015:
Our records show that you contacted our Customer Assistance team regarding a late fee notice you received by mail. We explained that the $378.41 Speed Payment that you made on April 10, 2015 was returned / unpaid. Further research revealed that when you requested the Speed Payment, you provided an incorrect account number to debit for the electronic payment.
April 25, 2015:
We agreed to refund the $25.00 non-sufficient funds fee as a courtesy and scheduled a new Speed Payment for you with an effective date of April 27, 2015.
May 12, 2015:
Huntington was notified that the $397.33 Speed Payment that you completed on April 27, 2015 was returned, unpaid due to non-sufficient funds.
July 15, 2015:
Huntington received notification that you did not have physical damage insurance coverage on the collateral of this loan. We sent the enclosed letter stating:
• The Huntington National Bank recently received notification that your physical damage insurance coverage was cancelled effective 06/25/2015.
• “Please furnish evidence of insurance that meets the following conditions. We will be unable to accept insurance information that does not meet all of these conditions”:
- A loss payable clause naming the Huntington National Bank as lienholder.
- Full Collateral Description.
- Comprehensive and collision, insuring the collateral against collision, fire, theft, or other physical damage.
- Effective and Expiration Dates for the coverage
• This letter also included instructions on how you or your insurance agent can provide this information to Huntington.
August 12, 2015:
Huntington sent the enclosed letter marked “Final Notice”. This letter is a reminder that The Huntington National Bank must receive evidence of physical damage insurance coverage for the vehicle. As of August 12, 2015, our files do not contain evidence of such coverage which is required by the terms of your loan agreement”.
August 26, 2015:
Huntington sent the enclosed letter stating:
• As of 06/25/2015, evidence that you have purchased or maintained the physical damage insurance required by the terms of your loan agreement has not been provided to the creditor; the Huntington National Bank, for the vehicle listed below.
• This letter then states that Huntington has purchased a policy for you in the amount of $1964.00. This amount has been added to your loan account principal balance and you must pay the insurance premium in addition to your regular scheduled installment and any other amounts due. This purchased insurance is generally more expensive than the insurance you can buy yourself. We strongly encourage you to purchase your own insurance.
September 23, 2015:
Huntington received notification that you obtained physical damage insurance coverage for the vehicle.
September 30, 2015
The insurance policy you obtained had an effective date of September 26, 2015. This means that you did not have insurance coverage on the collateral of this loan from June 25, 2015 through September 25, 2015. Huntington sent the enclosed letter stating:
• Thank you for providing The Huntington National Bank with the requested insurance information on the vehicle listed below. The collateral protection insurance policy issued to cover the vehicle has been canceled effective 09/26/2015.
• You are responsible for the period of time that your insurance coverage lapsed. The premium charge for this period of time is $499.00.
October 5, 2015:
We prorated the $1,964.00 insurance policy that was purchased on your behalf. We applied a $1,465.00 refund to your loan, which left an insurance coverage balance owed of $499.00.
December 12, 2015:
Our records show that you spoke to our Customer Assistance team regarding the past due payments to this loan. In this conversation you stated that you would make a $958.27 payment via Moneygram on December 14, 2015 to bring this account current. As of today, Huntington has not received this payment.
December 16, 2015:
Since a repayment agreement was not made, and the account was 77 days past due, Huntington repossessed the collateral for this loan (2012 Chevrolet Equinox).
December 17, 2015:
Our records show that you spoke to our Customer Assistance team to discuss recovering the vehicle. Our representative stated in order to recover the vehicle, we would need a payment of $1,333.57 ($958.57 September, October and November owed payments + $375.00 repossession fee).
December 19, 2015:
Huntington sent the enclosed “Notice Of Our Plan To Sell Property” letter. This letter states the following:
• We plan to sell the property in a private sale on February 11, 2016.
• The money that we get from the sale (after paying our costs) will reduce the amount you owe. If we get less money than you owe, you will still owe us the difference. If we get more money than you owe, you will get the extra money, unless we must pay it to someone else. You can get the vehicle back at any time before we sell it by paying us the full amount that you owe (not just the past due payments) including our expenses”.
This letter also provides a telephone number for our Liquidation and Recovery Department (###-###-####).
December 21, 2015
Huntington was again notified that you have canceled the physical damage insurance coverage for the vehicle.
December 31, 2015:
We sent another letter requesting you to provide evidence of physical damage insurance coverage. We have enclosed a copy for your review.
Ms. Batcheller, please contact our Liquidation and Recovery team at ###-###-#### to discuss the status of this account. If I may be of further assistance to you, please 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 Ms. [redacted]:I am writing in response to your complaint filed with the Revdex.com ("Revdex.com") regarding theclosing of your checking and savings accounts held with the Huntington National Bank ("Huntington").Huntington received this matter on December 10,20 15 for review.We regret to inform...

you that, in keeping with our Agreement and Disclosure of Account Terms and Rulesand Regulations, we have exercised our right to close your checking and savings accounts.Please note that as of today, any checks or deposits presented for payment to or from the accounts will not behonored, and will be returned to the payee with the notation, "Account Closed."If you have questions, please feel free to call me at ###-###-####, ext. [redacted] or#########Sincerely,Sue R[redacted]

Case closed with telephone call and letter to customer: - Apologized for any misunderstanding regarding promotional offer - Confirmed promotional offer code was claimed to customer’s account - Provided promotional offer requirements to customer - Informed customer he has until August 11, 2016 to...

meet the requirements for promotional offer - Informed customer Huntington does not have a promotion in which the requirement is to deposit $1.00 - Provided PRU contact information

I reviewed the response made by the business in reference to complaint [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]

Closed case with a phone call to the customer. -Advised we received her information from the Revdex.com. -Confirmed we had the documentation reviewed a second time by our Fraud department. -Advised final credit was issued.-Apologized for any inconveniences. -Provided PRU contact information

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]

I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.  The business did a full investigation of the situation reported and was able to uphold the promotion that was stated on their website.

Closed case with phone call from customer and closing comments to Revdex.com:-Customer confirmed that the card was delivered by FedEx to her front office and they had not yet notified her of the deliveryNote: her card was part of a merchant compromise and card needed to be closed and new card sent. Customer stated she did not receive replacement card. Closed replacement card and rushed new card to customer with her preferred PIN and refunded rush fee. Courtesy refund of $100 given on 4/15/16 for compensation and apologized for any inconvenience. Provided PRU contact info

Closed case with phone call to customer's wife (prior verbal authorization given to speak with wife) and resolution comments to Revdex.com:-Apologized for any inconvenience-Explained that preauthorized payment of $1380.29 from their account at another financial institution to their Huntington mortgage will...

be reversed and returned via a check as a courtesy-Explained that borrower (husband) set up preauthorized payment-Explained check is being overnighted and FedEx tracking number is [redacted]-Provided PRU contact info

Dear Ms. [redacted]: I’m writing in response to your rebuttal to the Revdex.com (“Revdex.com”) case regarding your Huntington installment loan account number ending in [redacted]. Huntington received this for review on January 20, 2016. Please know that we have completed a thorough review of this matter. We will respond to your questions in the order that you have asked them in your rebuttal. 1. “I see nowhere that says you can continue charging interest after the account has been closed or charged off”. Please note that on the front of your enclosed Personal Loan Agreement it states: Your Promise To Pay: By signing this agreement, you promise to pay us all of the following: • The principal amount of this loan as provided in this agreement. • Daily simple interest on the unpaid balances of the principal amount from time to time outstanding at the interest rate as provided in this agreement. • Other charges as due in this agreement. Under “Payment Schedule” it states: “You agree to pay this loan according to the payment scheduled shown in the federal disclosures. However, the final payment amount shown in the disclosures is only an estimate. On the final payment due date, you must pay us the outstanding balance of the principal amount and any accrued but unpaid interest and other charges. The payment schedule in the federal disclosures is based on the assumption that we receive each payment on its due date. If you pay late, incur other charges or if other amounts are added to your loan as permitted by this agreement (such as taxes, insurance or other charges with respect to the collateral). The final payment could be significantly more than the estimate shown in the payment schedule above”. This means that you will be charged interest on the outstanding balance until the loan is paid in full. Please note that our records show that you have not made any payments to this loan. 2. “How could it have possibly been in collections in November of 2012 when as you state the first payment was due in December of 2012, and the car wasn't repossessed until February of 2013?”. After reviewing the documents that you have provided and found that they were provided to you by Credit Karma. Huntington only reports account information to the three major credit reporting agencies (Experian, Equifax and Transunion). Huntington cannot control where Credit Karma received their information. As stated in our previous correspondence, On January 4, 2016, upon your request, we sent an account update to the three major credit reporting agencies (Huntington case# [redacted]Jan16). This information included the status of this loan (charged off March 7, 2013) and the current balance owed of $11,717.00 (which includes interest and fees). 3. “I am also curious as to why the amount is so high when I had purchased the gap and life insurance, and warranty. Once the loan defaulted, and I called to ask about this also in 2013, those payments should have been sent back to the bank (minus the amount used from October 2012 to February 2013)”. Huntington’s procedure is to cancel the optional products within 30 days of the auction sale date. Through our research, we were able to confirm that the optional products that you financed into this loan were not canceled. On January 20, 2016, we contacted the GAP and Extended Warranty companies and requested a refund. We have verified that we will receive a refund of $623.86 for the GAP and a refund of $1822.14 for the Extended Warranty. Please note that this process can take six weeks to complete. Enclosed is a copy of the “Statement of Sale” letter that was sent to you on March 16, 2013. This letter provided a breakdown of your account balance before the sale of the property and how the proceeds of the sale were processed. This letter stated that the deficiency balance owed to Huntington was $9,994.43. We have completed the following adjustments to your loan. We have reduced the balance owed to this loan by the GAP and Extended Warranty refunds Balance Owed GAP Warranty New After Auction Refund Refund Balance $9,994.43 $623.86 $1,822.14 $7,548.43 We have recalculated the simple interest calculation for this loan. Principal Interest Days In Interest Charged Balance X Rate / The Year = Per Day $7,548.43 9.09% 365 $2.0473823 We recalculated the interest owed from March 7, 2013 to September 1, 2015: Interest Charged Days Of Interest Per Day Interest Owed = Owed $2.0473823 899 $1,840.60 Updated balance owed to this account: Updated Balance Interest New Current Owed After Auction Owed Balance $7,548.43 $1,840.60 $9,389.03 We have sent an update to the three major credit reporting agencies (Huntington case [redacted]Jan16) and notified our collection attorney [redacted] [redacted] Co. LPA. of this account adjustment. Please contact them directly at ###-###-#### to discuss your repayment or settlement options. 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] Customer Advocacy Team Huntington.com

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 30, 2017 for review.   Please accept this correspondence as our confirmation that we have completed a...

thorough review of this matter and have contacted [redacted] directly in order to provide our response.   If you have any questions, or need further assistance, you’re welcome to contact us at your first convenience. Sincerely, The Customer Advocacy Team Huntington National Bank

I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]

contacted customer and discussed issues directly with customer

Dear Mr. [redacted]: We are writing in response to your second rebuttal with the Revdex.com (“Revdex.com”) regarding your mortgage experience with The Huntington National Bank (“Huntington”). We received this matter for review on November 11, 2015. We regret that you remain dissatisfied. Our position regarding this matter remains the same. Please note the following regarding items 1, 2, 3, 4, 7 from your initial rebuttal. 1. Regarding the request for communication documents between Fannie Mae and Huntington, please understand that any internal communication between the investor and Huntington is proprietary and not available to be shared. 2. Investor decisions are based on the written contract and other documents submitted, not on the “understandings” or verbal agreements of the parties. This “trivial matter” is the agent’s responsibility. 3. Regarding the request for communication documents between the third party appraisal vendor and Huntington, please understand that any internal communication between third party vendors and Huntington is also proprietary and not available to be shared. 4. We sincerely apologize for any service issues or any inconvenience you may have experienced as a result of this matter. We have forwarded your comments to the appropriate level of management for a review for coaching opportunities. 7. Our suggestion to use the line of credit or cash to purchase the home was offered to prevent any out of pocket expense or the inconvenience of moving twice. I accept full responsibility for that suggestion, knowing that more time was needed to resolve the matters at hand with the contract and the investor. While we were confident the matters could be resolved, we knew more time was needed than the 21 days total allowed in the contract. Based on your comments, we understand that you are dissatisfied with your experience, and we apologize that we did not meet your expectations. If you have any questions or concerns, you’re welcome to contact me at ###-###-#### or ###-###-####, extension [redacted]. Sincerely, Beth C[redacted]

Dear Mr. [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 matter on February 2, 2016 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. Please note the following:
Our records show that you have been making your payments to this loan via a third party Electronic Funds Transfer (“EFT”). Huntington processes the electronic transactions to our customer’s installment loans on the date that they are received.
When you send a payment via EFT, your financial institution forwards the payment to the Federal Reserve, who then forwards it to Huntington. We have reviewed your EFT transactions through our Automated Clearing House warehouse (“ACH”) and have verified that Huntington has processed your payments on the date they were received from the Federal Reserve.
Transaction Transaction Date ACH Posting
Date Amount Received File Date
December 2, 2015 $358.00 December 2, 2015 AM Fed File End of day - 12/2/2015
December 15, 2015 $358.00 December 15, 2015 AM Fed File End of day - 12/15/2015
January 19, 2016 $358.00 January 19, 2016 AM Fed File End of day - 01/19/2016
Mr. [redacted], we have enclosed a copy of your loan payment history for your review. This history shows that your payments have been received more than 10 days late 37 times. If you feel that there is an extended delay, please feel free to compare this history with your records at [redacted] Federal Credit Union. You may also want to discuss [redacted] Federal Credit Union’s policy regarding electronic payments.
In regards to your comment “Huntington stated that this is normal for a check”. As stated above, these payments were received electronically. Huntington is not receiving paper check payments to this account.
We sincerely regret any confusion regarding this situation. We have forwarded your comments to the appropriate level of Huntington management for a review of the recorded telephone conversations for coaching opportunities.
May 2015 – January 2016:
Our records show that our Customer Assistance Team left voice messages asking you to contact us to discuss the past due payments to this account.
February 1, 2016:
Since you were unresponsive to our requests to make payment arrangements, Huntington repossessed the collateral for this loan (2012 Toyota Prius). The account was 56 days past due.
February 2, 2016:
Our records show that you contacted our Customer Assistance Team to discuss recovering the vehicle. You agreed to make a payment of $1,116.61 ($791.61 for past due payments and late fees and $325.00 for the repossession fee). Huntington verified that the $1,116.61 payment was made and released the vehicle back to you.
Our records show that your next payment is due on February 8, 2016 in the amount of $460.20. If I may be of further assistance to you, please 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.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID 12020272, and find the resolution is satisfactory to me.
Regards,
[redacted]  PS,  I received a phone call from corporate headquarters today (3/6/17) at 12:27pm I spoke with Mike. He waived all of my fees. He also stated if I received any additional fees this month to call him at 615-331-5236. He was very nice, caring, and professional . He stated all I owe is $381.53 and it's due by March 28th.

Dear Mr. [redacted],We are writing in response to your recent contact with the Revdex.com (“Revdex.com”) regarding your Huntington checking account ending in [redacted] and our 24-Hour Grace® services. First, please accept our apologies for any inconvenience this matter may have caused you.
Because...

we appreciate your business and we realize you feel that 24-Hour Grace® may not have been fully explained to you, on July 2, 2015, we have refunded all of the fees in the amount of the $48.00 as a courtesy. As of today, after the refunds, your account is negative $24.99.
Please note the following information about 24-Hour Grace®:
Please note that when you overdraw your checking account, 24 Hour Grace® gives you until the financial cut-off time (11:59pm) on the next business day after the overdraft occurs 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 $195.01 deposit must be made by the cut-off time.
If you are unable to make it to a banking office, we also offer mobile deposits. Huntington Mobile Deposit gives you a convenient way to deposit checks from your smart phone saving you time and reducing trips to the branch or ATM. You can get more information about these services on our website or by calling the Huntington Customer Service Center at [redacted].
• PLEASE NOTE: Because you have 24-Hour Grace®, we may or may not honor the payment. Our decision to return or pay the item is based on but not limited to the customer history, amount of the item, account balance and past or current bankruptcy.
See below for a history of how the items in question actually posted to your account. If you want an ACH payment cancelled, you must contact the merchant to cancel the payment on their end. If it is the car payment you wish to stop, you must contact Pat Trent to do so.
Please understand, Huntington charges an extended overdraft fee to your account weekly once the balance has remained negative for a consecutive five days. Since your account was overdrawn for 5 days on (6/26/15), we charged your account $25.00 for an extended overdraft fee on (6/26/15).
Date
Transaction Sufficient Funds Item Paid/Account Overdrawn Ending Balance
6/11/2015 ACH Direct Deposit [redacted] 50.00 $50.01
6/15/2015 Non-Pin Purchase[redacted] Yes (49.41) -Item Paid .60
6/17/2015 ACH Payment [redacted] Yes (.59)-Item Paid .01
6/22/2015 ACH Payment-[redacted] Car Payment No (75.00)-Paid/Overdrawn -74.99
6/23/2015 Non-Sufficient Funds Fee (23.00) -97.99
6/25/2015 ACH Direct deposit [redacted]. 50.00 -47.99
6/26/2015 Extended Overdraft Fee (25.00) -72.99
7/02/2015 Courtesy Fee Refund 48.00 -24.99


As you may know, in addition to the text alerts which you already have, Huntington has e-mail alerts that can give you more immediate information about your accounts, including balances. If you’re interested, you can sign up for these on Huntington.com or through our Phone Bank at ###-###-####. For more information on these services, go to http://www.huntington.com
Please remember that the key to avoiding overdraft fees is to keep an accurate check register. While our Voice Response Unit and Online Banking are helpful tools, customers are ultimately responsible for being aware of their current account balances and items outstanding.
If you have additional questions, please feel free to contact me at ###-###-#### or ###-###-####, extension [redacted].
Sincerely,
[redacted]
Senior Research Specialist

To Whom It May Concern:   Thank you for contacting The Huntington National Bank (“Huntington”).  We are writing in response to the complaint you forwarded to us regarding [redacted] which we received on February 17, 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 reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
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 May 20, 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

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