On May 10, 2016 at 10:34am, Huntington called Mr. [redacted] at the telephone number provided by the Revdex.com complaint case (Number [redacted]). Please note the following information:*Verified that on March 7, 2016, Mr. [redacted] authorized a $487.59 debit card transaction at **...
[redacted].*Verified that on April 20, 2016, Mr. [redacted] closed his checking account ending in 1661 at our [redacted] banking office. Phone Call:*Stated that on April 25, 2016, Huntington received the $487.59 merchandise return refund.*Stated that on April 28, 2016, Huntington sent the funds to the address listed on his profile as per Huntington procedure ([redacted]).*Customer stated that he is in [redacted] until June, and that the mail sent to his [redacted] address is being held for him.*Stated that we could place a stop payment on the check, and send a replacement check to his address in [redacted]Customer declined and stated that he will wait until he goes back to [redacted] to receive the check.*Apologized for any inconvenience that this matter may have caused.*Provided our direct contact information and asked for a call if there are any further questions or concerns.
The Huntington National Bank Customer Advocacy Team EA1W02 [redacted]
[redacted] August 9, 2017 Re: Revdex.com Case #: [redacted] Huntington Case #: [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 August 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, The Customer Advocacy Team Huntington National Bank Tell us why here...
I am writing in response to your complaint filed with the Revdex.com (“Revdex.com”) regarding unauthorized transactions that occurred on your checking account and all associated fees. Huntington received this matter for review on April 17, 2015.
According to...
our records, Huntington was initially notified of an unauthorized transaction on March 27, 2015, with reference number, [redacted]5. The case was reviewed on March 30, 2015 and it was determined that there was a transaction presented in the amount of $1,111.95 on March 27, 2015 that was denied for payment and resulted in a returned item fee in the amount of $37.50 which posted to your account on March 30, 2015. On March 30, 2015, we provided you with a refund for the returned item fee in the amount of $37.50.
We received a second dispute with reference number [redacted] which was reviewed on April 18, 2015. It was determined that you were disputing transactions that occurred in January 2015, totaling $83.44, and transactions from March 2015, totaling $211.94. On April 23, 2015, we credited your account ending in [redacted] for the total of $211.94. Additionally, we reimbursed your checking account for the associated fees, including seven overdraft fees in the amount of $37.50 each totaling $262.50, and four extended overdraft fees in the amount of $25.00 each totaling $100.00 on April 23, 2015. Please note, a letter was sent to you on April 23, 2015 to inform you of the reimbursement and explain that the case was now closed.
Please understand, further research was needed to be completed for the transactions that were unauthorized in January 2015, as the transactions were not reported within 60 days of the transaction date. Huntington had to request permission to recover the funds from the merchant on April 23, 2015. This process can take up to 10 days to receive a response.
On April 28, 2015, the merchant’s bank denied reimbursement for the transactions in the amount of $3.49 and $11.98 dated January 26, 2015, and for $13.00 dated February 19, 2015. However, [redacted] refunded the transactions in the amounts of $34.99 on February 2, 2015, and $17.99, $14.99 on February 23, 2015 totaling $67.97. On April 28, 2015, we refunded four overdraft fees in the amount of $37.50 each, totaling $150.00. Additionally, on April 30, 2015 we refunded $113.00 in overdraft fees to provide you with the remainder of the fees that are owed to you for the disputed items from January 2015. Please understand, a letter was provided to you on April 28, 2015 to explain that the merchant refunds were previously processed and that we reimbursed your account for the overdraft fees.
At this time, you have been credited for a total of $279.91 for the reported unauthorized transactions. We have refunded you for all fees associated with the unauthorized transactions totaling $700.00 for a grand total of $979.91 in reimbursement for unauthorized transactions and fees.
Please take the proper precautions by closing your current checking account and opening a new account. This process will help protect your account from any future fraudulent attempts from [redacted] as well as any other merchant. Please understand that [redacted] does have your account number and routing number and can continue to attempt to withdrawal funds from it at any time if the account remains open and active.
We sincerely apologize for any inconvenience this process may have caused you. If you have further questions or concerns, you’re welcome to call me directly at ###-###-#### or toll free at ###-###-####, extension [redacted], and I’ll be happy to assist you.
Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding [redacted] Shannon which we received on March 16, 2017 for review. Please accept this correspondence as our confirmation that we have...
completed a thorough review of this matter and have contacted [redacted] Shannon 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 November 2, 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
The Huntington National Bank (“Huntington”) is in receipt of your complaint filed with the Revdex.com (“Revdex.com”) regarding mail solicitations that you have received. Thank you for giving us the opportunity to address this...
matter.
We acquire the mailing lists from a national consumer database, as do other companies. Please understand that Huntington has no control over the lists provided to us. The national consumer database is responsible for maintaining its mailing lists.
We do respect your request, and we have added your name and address to our Huntington “Do Not Mail” list to ensure that no additional mail solicitations from Huntington will be sent to your address. Please note that it may take up to 90 days to completely remove your name and address from our mailings, since some may already be underway. We apologize for any inconvenience, and appreciate your patience in resolving this matter.
If you have further questions, you may contact me directly at ###-###-#### or ###-###-####, and I’ll be happy to assist you.
Closed case with phone call with customer:-Apologized for any inconvenience-Confirmed code she was trying to submit was expired-Obtained unexpired code and applied to account-Confirmed promo will be honored and will post to account on May 24, 2016-Apologized for service issues described and assured...
her that her comments would be shared with the appropriate parties (shared with Phone Bank escalation team)-Provided PRU contact info
I’m
writing in response to your correspondence addressed to the RevDex.com (“Revdex.com”) regarding a bill payment completed from your Huntington checking
account ending in [redacted]. Huntington received this matter for...
review on July 13,
2015. I apologize for any inconvenience this matter may have caused you.
Upon
review of your account, we can confirm the following information:
·
Huntington
received notice of potentially fraudulent activity on your bill payment profile
on June 12, 2015.
o
At this time,
Huntington began monitoring and deactivating the account’s online access and
bill payment service
·
Due to multiple fraudulent
attempts to access the account by the perpetrators, one bill payment in the
amount of $250.00 to thebancorp.com was debited from the account on July 2,
2015.
·
On July 3, 2015,
bill payment dispute case number [redacted] was initiated as you informed
Huntington that the transaction was unauthorized.
·
On July 16, 2015,
your account was provisionally credited $250.00 while we continue our
investigation and the dispute case number was updated to [redacted]
o
The provisional
credit was issued within ten (10) business days of Huntington receiving notice
of the transaction which is in accordance with the “Online Access and Bill Pay
Agreement and Disclosure Statements”
o
Please note, we
may take up to 45 days to investigate your complaint or question. If we decide
to do this, we will provisionally credit your account within 10 business days
for the amount you think is in error, so that you will have the use of the
money during the time it takes us to complete our investigation
o
A copy of these
disclosures was provided at the time of account opening and is available upon
request
o
You will receive
notice, under separate cover, from our Bill Pay Department informing you of the
final outcome of the dispute
·
On July 17, 2015,
you withdrew the $250.00 at the Vine Street banking office in Cincinnati, Ohio.
·
Any debit card(s)
related to the account had been closed prior to this correspondence and no
disputes regarding debit card transactions are on file as of today’s date.
·
Additionally, all
accounts related to your Huntington profile are now closed at a zero balance.
Again, I apologize for any
inconvenience this matter may have caused you and would like to thank you for
your patience while the dispute is processed. If you have further questions,
you’re welcome to call me directly at ###-###-#### or ###-###-####,
extension [redacted], and I’ll be happy to assist you.
Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding [redacted], which we received on January 6, 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
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Still was not explained why without any notice my accounts were closed or why they would open a new account only to close it on me with no notice. I will seek legal advice going forward, and advise future customers that in the event you should get your identity stolen Huntington will just drop you like you committed the fraud. Even with a police report and proof[redacted]
The teller inside the bank told me the funds would be available right away, had he told me they wouldn't be, which I specifically asked I wouldn't of deposited my check. I would have cashed the check elsewhere and then deposited the cash into my account, but he told me the funds would be available. I understand there maybe holds, but was unsure about cashier checks, so that is why I asked your teller and by him is informing me I had to send my kids to school without lunch and this is acceptable to your bank?
Regards, [redacted]
The Huntington National Bank (“Huntington”) is in receipt of your complaint filed with the Revdex.com (“Revdex.com”) regarding your Installment Loan ending with [redacted]
After a careful review of your above referenced loan we can confirm that on April...
13, 2015, we received a letter from you requesting a settlement offer. You were offered a settlement on April 17, 2015, in the amount of $8,000.00 that was good for 30 days.
On May 7, 2015, we received a check from [redacted]. in the amount of $8,000.00, advising us of your intent to sell the property. The original settlement was offered to you with the intention that the property was to be used as your primary residence. As we were unaware that you were selling the property the settlement offer had to be reviewed. On May 21, 2015, the settlement was approved and the funds were applied, the loan was settled in full. Please know that it can take up to 30 days from the settlement date to submit the lien release to the county recorder’s office.
If I can assist you in the future, you’re welcome to contact me at ###-###-#### or toll free at ###-###-####, extension [redacted].
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 April 10, 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 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 November 18, 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
Dear Ms. [redacted]
I’m
writing in response to your correspondence addressed to the RevDex.com (“Revdex.com”) regarding text alerts not received to your checking account
ending in [redacted] Huntington received this matter for review on June 9, 2015....
I
apologize for any inconvenience this matter may have caused you.
Upon
review of the account, we can confirm the following information:
·
You opened your
account online, via huntington.com, on August 10, 2014.
·
On that same day,
you opted in to our debit overdraft service for debit card transactions and out
of the service for all other transactions.
o
This means that
even if there is not enough money in your account to cover a debit card transaction
presented to us, we may still pay it and cause an overdraft on your account to
occur which could result in overdraft fees being charged to your account; while
non-debit card transactions such as checks and ACH items would be returned
unpaid if there is not enough money in your account to pay the item.
Please
be aware, if a check is returned
because there is not enough money in the account to cover it, the check amount
is not deducted from the account, and no
overdraft occurs. For example, a customer’s checking account balance is
currently $50, and a check he wrote for $100 is presented to us for payment. If
we return the check instead of paying it, his account balance stays at $50 and
there is no account overdraft. Returned
checks are subject to a fee. (In printed materials as well as our website
description, it states that the 24-Hour Grace™ service cannot be
used to waive return fees.)
Based
upon your account elections, 24-Hour Grace™ applies only when we pay
a debit card transaction and an overdraft occurs. In that case, Huntington
gives you the opportunity to correct the overdraft by depositing sufficient
funds on the next business day, at which time we could waive the overdraft fee.
·
On June 3, 2015,
check number 126 in the amount of $40.00 was presented for payment and as the
available balance of your checking account was $12.84 the check was returned
unpaid, causing a returned item fee of $37.50 to be assessed on June 4, 2015.
·
On June 5, 2015,
check number 126 was again presented for payment by the payee and as the
available balance of your checking account was (-)$24.66 the check was returned
unpaid, causing a returned item fee of $37.50 to be assessed on June 8, 2015.
·
Our records
indicate that you were not enrolled to receive our text and/or email alert
service until June 9, 2015. There were no prior alert settings nor a prior
registered mobile device.
·
You are currently
enrolled in our text alerts service; however, you have not selected any alerts
to inform you of the account’s activity. In order to select alerts, you will
need to log on to your online banking service via huntington.com and click the
alerts tab at the top right of the screen.
o
Under that page
you can choose specific alerts and save your selections
·
If you need
assistance completing this action, you may contact us at [redacted] 24 hours a
day, 7 days a week.
In the future, please remember that keeping an
accurate check register is the best way to avoid overdraft fees and having
items returned. To know whether your account is overdrawn so that you can take
advantage of 24-Hour Grace®, you can check your account balance
through online banking or you can sign up for email and text alerts to help you
monitor your account balance.
Huntington does offer deposit-to-deposit overdraft
protection, which would link a checking account with a savings account to cover
any debits that exceed the available funds in your checking account. You can visit one of your local branches to
receive more information about this service.
As a courtesy, I refunded
$75.00 to your checking account on June 12, 2015; this was the total amount of
the two (2) returned item fees you were assessed.
We do appreciate your
comments and business as a valued Huntington customer. If you have further
questions, you’re welcome to call me directly at ###-###-#### or
###-###-####, extension [redacted] and I’ll be happy to assist you.
Sincerely,
[redacted]
[redacted]
Priority Response Unit
Dear Mr. [redacted]:This letter is in response to your concern filed with the Revdex.com in reference to yourclosed accounts with the Huntington National Bank.In keeping with our rights as outlined in the Agreement and Disclosure of Account Terms and Rulesand Regulations, we have exercised...
our right to close your accounts with The Huntington NationalBank in June 2015.As of this date, our records indicate that you owe charges prior to the closing of your businessaccount for your Credit Card Processing Merchant Services account with [redacted]
[redacted] I have enclosed detailed billing clearly showing the charges owed are from March, April,and May of 2015 which was prior to your business account being closed on June 10, 2015. Pleasebe aware that you must call [redacted] at ###-###-#### to make paymentarrangements for the past fees owed in order to prevent further collection efforts.If you have further questions or concerns please feel free to call me at the above number.Sincerely,Sue R[redacted]
Closed case with phone call to customer:
-Apologized for any inconvenience
-Explained 24 hour grace and timing to avoid fee for future referrence
-Explained extended overdraft fees
-Refunded one overdraft fee and one extended overdraft fee for total refund of $62.50 as a courtesy
-Provided PRU...
I’m writing
in response to your concerns addressed with the Revdex.com (“Revdex.com”)
dated July 28, 2015, regarding
your checking account formerly held with Huntington National Bank
(“Huntington”).
We have...
verified that our security
department has no record of your claim that fraud was committed on your
checking account ending in [redacted] in June of 2014. I have contacted Jessica M[redacted], manager at
our [redacted] office and confirmed that you
visited the office on August 4, 2015, and had your monthly checking statements
ordered at no cost to review for fraud.
Please return to the banking office to so that a
research case can be submitted and you can complete a dispute form for any
unauthorized transactions. Once the case
is submitted, your case will be reviewed and you will be notified of the
outcome of the research.
According to our records, your checking account
ending in [redacted] was charged-off on August 4, 2014, owing a balance of
(-$837.56). We have confirmed that this
account has been placed with Appelles LLC for recovery. If you wish to make payment arrangements for
the amount owed, please contact Appelles LLC directly at [redacted]
If you have any additional questions or concerns, you’re welcome to
contact me at ###-###-#### or ###-###-####, extension [redacted].
The Huntington National Bank [redacted]
[redacted]
[redacted]
**
[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 October 10, 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 Tell us why here...
Dear Ms. [redacted]: I am in receipt of your complaints filed with the Consumer Financial Protection Bureau ("CFPB") and the Revdex.com ("Revdex.com") regarding fees charged to your checking account held with The Huntington National Bank ("Huntington"). This letter is intended to address...
your concerns. We received this matter for review on August 5,2015. Upon review of this matter we found Huntington, like other financial institutions, treats its customer records as confidential and does not disclose customer information without appropriate authorization. We can only supply information regarding accounts for which you are a signer/owner or unless we receive authorization. At this time we are only able to disclose information regarding your account. Our records indicate that you had elected to "Opt Out" for Debit Overdraft Service for All Transactions on June 15,2015, meaning that ATM, one-time debit card transactions, as well as checks and Automated Clearing House ("ACH") transactions would have been denied when the merchant submitted an authorization request for transaction amounts that exceeded your available balance. Please note the following information about 24 Hour GraceTM and return fees: Items on your account may be returned because if there was not enough money in your account to cover the checks when they are presented to us for payment. Each time we get an item presented for payment that exceeds the account balance, the decision is made whether to return it or pay it. Please note that this decision to return or pay the check is based on customer history, amount of the check, account balance and past or current bankruptcies. If an item is returned because there is not enough money in the account to cover it, the item is not deducted from the account, and no overdraft occurs. For example, a customer's checking account balance is currently $50, and a check he wrote for $ I 00 is presented to us for payment. If we return the check instead of paying it, his account balance stays at $50 and there is no account overdraft. Returned items are subject to a fee. I have provided a copy of the account Personal Account Charges Fonn as part of the account disclosures that inform you when fees are charged to your account. If we pay it, the amount is deducted from the account, causing an overdraft. 24-Hour race'" applies only when we pay the check and an overdraft occurs. In that case, the customer has the opportunity to correct the overdraft by depositing sumcient funds on the next business day, at which time we could waive the overdraft fee. (In printed materials as well as our website description, it states that the 24-Hour w race'^ service cannot be used to waive return fees.) Upon review of your account it was found that the account became overdrawn on July 3,2015. Since you changed your election for Debit Overdraft Service to "Opt Out" on June 15,20 15, Huntington has returned a total of 5 transactions which included the following: July 3,20 15 - Cashland $280.64 July 10,201 5 - CheckSmart $233.29 July 17,20 15 - Checksmart $248.29 July 24,20 15 - CheckSmart $62.07 July 3 1,20 1 5 - AdvanceAmerica $243.00 Your account incurred one $23.00 Returned item fee and four $37.50 Returned Item fees, totaling $173.00. 1 have enclosed a copy of the Notice of Insufficient Funds notices that were subsequently sent to you informing you of the returned items and fees charged. Per these disclosures it also explains that if an account is overdrawn 5 or more consecutive days, we will charge an extended overdraft fee of $25.00. For each subsequent week your account is continuously overdrawn, we will charge $25.00 per week. There is a maximum of four $25.00 fees during each continuous overdraft period. Our records indicate that your account became overdrawn on July 3,2015. Due to the account being overdrawn you received four $25.00 extended overdraft fees beginning July 10, 201 5 to July 31,2015. Please refer to the Personal Account Charges Form as part of your account disclosures which are enclosed. Please understand that we found no bank error and the fees incurred were valid, however, on August 12, 2015, we have waived returned item fees and extended overdraft fees totaling $262.52 on your account, as a courtesy. Per your request your checking account ending in [redacted] and your savings account ending in [redacted] were closed with a zero balance. You will receive a final statement for the accounts which will disclose the fee refunds and confirm the account closure. If you have any questions, you're welcome to contact me at ###-###-#### or toll free at ###-###-####. Sincerely, Jessica L[redacted]
[redacted]
On May 10, 2016 at 10:34am, Huntington called Mr. [redacted] at the telephone number provided by the Revdex.com complaint case (Number [redacted]). Please note the following information:*Verified that on March 7, 2016, Mr. [redacted] authorized a $487.59 debit card transaction at **...
[redacted].*Verified that on April 20, 2016, Mr. [redacted] closed his checking account ending in 1661 at our [redacted] banking office. Phone Call:*Stated that on April 25, 2016, Huntington received the $487.59 merchandise return refund.*Stated that on April 28, 2016, Huntington sent the funds to the address listed on his profile as per Huntington procedure ([redacted]).*Customer stated that he is in [redacted] until June, and that the mail sent to his [redacted] address is being held for him.*Stated that we could place a stop payment on the check, and send a replacement check to his address in [redacted]Customer declined and stated that he will wait until he goes back to [redacted] to receive the check.*Apologized for any inconvenience that this matter may have caused.*Provided our direct contact information and asked for a call if there are any further questions or concerns.
The Huntington National Bank Customer Advocacy Team EA1W02 [redacted]
[redacted] August 9, 2017 Re: Revdex.com Case #: [redacted] Huntington Case #: [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 August 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, The Customer Advocacy Team Huntington National Bank Tell us why here...
Dear [redacted]:
I am writing in response to your complaint filed with the Revdex.com (“Revdex.com”) regarding unauthorized transactions that occurred on your checking account and all associated fees. Huntington received this matter for review on April 17, 2015.
According to...
our records, Huntington was initially notified of an unauthorized transaction on March 27, 2015, with reference number, [redacted]5. The case was reviewed on March 30, 2015 and it was determined that there was a transaction presented in the amount of $1,111.95 on March 27, 2015 that was denied for payment and resulted in a returned item fee in the amount of $37.50 which posted to your account on March 30, 2015. On March 30, 2015, we provided you with a refund for the returned item fee in the amount of $37.50.
We received a second dispute with reference number [redacted] which was reviewed on April 18, 2015. It was determined that you were disputing transactions that occurred in January 2015, totaling $83.44, and transactions from March 2015, totaling $211.94. On April 23, 2015, we credited your account ending in [redacted] for the total of $211.94. Additionally, we reimbursed your checking account for the associated fees, including seven overdraft fees in the amount of $37.50 each totaling $262.50, and four extended overdraft fees in the amount of $25.00 each totaling $100.00 on April 23, 2015. Please note, a letter was sent to you on April 23, 2015 to inform you of the reimbursement and explain that the case was now closed.
Please understand, further research was needed to be completed for the transactions that were unauthorized in January 2015, as the transactions were not reported within 60 days of the transaction date. Huntington had to request permission to recover the funds from the merchant on April 23, 2015. This process can take up to 10 days to receive a response.
On April 28, 2015, the merchant’s bank denied reimbursement for the transactions in the amount of $3.49 and $11.98 dated January 26, 2015, and for $13.00 dated February 19, 2015. However, [redacted] refunded the transactions in the amounts of $34.99 on February 2, 2015, and $17.99, $14.99 on February 23, 2015 totaling $67.97. On April 28, 2015, we refunded four overdraft fees in the amount of $37.50 each, totaling $150.00. Additionally, on April 30, 2015 we refunded $113.00 in overdraft fees to provide you with the remainder of the fees that are owed to you for the disputed items from January 2015. Please understand, a letter was provided to you on April 28, 2015 to explain that the merchant refunds were previously processed and that we reimbursed your account for the overdraft fees.
At this time, you have been credited for a total of $279.91 for the reported unauthorized transactions. We have refunded you for all fees associated with the unauthorized transactions totaling $700.00 for a grand total of $979.91 in reimbursement for unauthorized transactions and fees.
Please take the proper precautions by closing your current checking account and opening a new account. This process will help protect your account from any future fraudulent attempts from [redacted] as well as any other merchant. Please understand that [redacted] does have your account number and routing number and can continue to attempt to withdrawal funds from it at any time if the account remains open and active.
We sincerely apologize for any inconvenience this process may have caused you. If you have further questions or concerns, you’re welcome to call me directly at ###-###-#### or toll free at ###-###-####, extension [redacted], and I’ll be happy to assist you.
Sincerely,
[redacted]
Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding [redacted] Shannon which we received on March 16, 2017 for review. Please accept this correspondence as our confirmation that we have...
completed a thorough review of this matter and have contacted [redacted] Shannon 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 November 2, 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
Dear [redacted]:
The Huntington National Bank (“Huntington”) is in receipt of your complaint filed with the Revdex.com (“Revdex.com”) regarding mail solicitations that you have received. Thank you for giving us the opportunity to address this...
matter.
We acquire the mailing lists from a national consumer database, as do other companies. Please understand that Huntington has no control over the lists provided to us. The national consumer database is responsible for maintaining its mailing lists.
We do respect your request, and we have added your name and address to our Huntington “Do Not Mail” list to ensure that no additional mail solicitations from Huntington will be sent to your address. Please note that it may take up to 90 days to completely remove your name and address from our mailings, since some may already be underway. We apologize for any inconvenience, and appreciate your patience in resolving this matter.
If you have further questions, you may contact me directly at ###-###-#### or ###-###-####, and I’ll be happy to assist you.
Sincerely,
[redacted]
[redacted]
Closed case with phone call with customer:-Apologized for any inconvenience-Confirmed code she was trying to submit was expired-Obtained unexpired code and applied to account-Confirmed promo will be honored and will post to account on May 24, 2016-Apologized for service issues described and assured...
her that her comments would be shared with the appropriate parties (shared with Phone Bank escalation team)-Provided PRU contact info
Dear Ms. [redacted]:
I’m
writing in response to your correspondence addressed to the RevDex.com (“Revdex.com”) regarding a bill payment completed from your Huntington checking
account ending in [redacted]. Huntington received this matter for...
review on July 13,
2015. I apologize for any inconvenience this matter may have caused you.
Upon
review of your account, we can confirm the following information:
·
Huntington
received notice of potentially fraudulent activity on your bill payment profile
on June 12, 2015.
o
At this time,
Huntington began monitoring and deactivating the account’s online access and
bill payment service
·
Due to multiple fraudulent
attempts to access the account by the perpetrators, one bill payment in the
amount of $250.00 to thebancorp.com was debited from the account on July 2,
2015.
·
On July 3, 2015,
bill payment dispute case number [redacted] was initiated as you informed
Huntington that the transaction was unauthorized.
·
On July 16, 2015,
your account was provisionally credited $250.00 while we continue our
investigation and the dispute case number was updated to [redacted]
o
The provisional
credit was issued within ten (10) business days of Huntington receiving notice
of the transaction which is in accordance with the “Online Access and Bill Pay
Agreement and Disclosure Statements”
o
Please note, we
may take up to 45 days to investigate your complaint or question. If we decide
to do this, we will provisionally credit your account within 10 business days
for the amount you think is in error, so that you will have the use of the
money during the time it takes us to complete our investigation
o
A copy of these
disclosures was provided at the time of account opening and is available upon
request
o
You will receive
notice, under separate cover, from our Bill Pay Department informing you of the
final outcome of the dispute
·
On July 17, 2015,
you withdrew the $250.00 at the Vine Street banking office in Cincinnati, Ohio.
·
Any debit card(s)
related to the account had been closed prior to this correspondence and no
disputes regarding debit card transactions are on file as of today’s date.
·
Additionally, all
accounts related to your Huntington profile are now closed at a zero balance.
Again, I apologize for any
inconvenience this matter may have caused you and would like to thank you for
your patience while the dispute is processed. If you have further questions,
you’re welcome to call me directly at ###-###-#### or ###-###-####,
extension [redacted], and I’ll be happy to assist you.
Sincerely,
Casey S[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 January 6, 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
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Still was not explained why without any notice my accounts were closed or why they would open a new account only to close it on me with no notice. I will seek legal advice going forward, and advise future customers that in the event you should get your identity stolen Huntington will just drop you like you committed the fraud. Even with a police report and proof[redacted]
The teller inside the bank told me the funds would be available right away, had he told me they wouldn't be, which I specifically asked I wouldn't of deposited my check. I would have cashed the check elsewhere and then deposited the cash into my account, but he told me the funds would be available. I understand there maybe holds, but was unsure about cashier checks, so that is why I asked your teller and by him is informing me I had to send my kids to school without lunch and this is acceptable to your bank?
Regards, [redacted]
Dear [redacted]
The Huntington National Bank (“Huntington”) is in receipt of your complaint filed with the Revdex.com (“Revdex.com”) regarding your Installment Loan ending with [redacted]
After a careful review of your above referenced loan we can confirm that on April...
13, 2015, we received a letter from you requesting a settlement offer. You were offered a settlement on April 17, 2015, in the amount of $8,000.00 that was good for 30 days.
On May 7, 2015, we received a check from [redacted]. in the amount of $8,000.00, advising us of your intent to sell the property. The original settlement was offered to you with the intention that the property was to be used as your primary residence. As we were unaware that you were selling the property the settlement offer had to be reviewed. On May 21, 2015, the settlement was approved and the funds were applied, the loan was settled in full. Please know that it can take up to 30 days from the settlement date to submit the lien release to the county recorder’s office.
If I can assist you in the future, you’re welcome to contact me at ###-###-#### or toll free at ###-###-####, extension [redacted].
Sincerely,
[redacted]
[redacted]
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 April 10, 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 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 November 18, 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
Dear Ms. [redacted]
I’m
writing in response to your correspondence addressed to the RevDex.com (“Revdex.com”) regarding text alerts not received to your checking account
ending in [redacted] Huntington received this matter for review on June 9, 2015....
I
apologize for any inconvenience this matter may have caused you.
Upon
review of the account, we can confirm the following information:
·
You opened your
account online, via huntington.com, on August 10, 2014.
·
On that same day,
you opted in to our debit overdraft service for debit card transactions and out
of the service for all other transactions.
o
This means that
even if there is not enough money in your account to cover a debit card transaction
presented to us, we may still pay it and cause an overdraft on your account to
occur which could result in overdraft fees being charged to your account; while
non-debit card transactions such as checks and ACH items would be returned
unpaid if there is not enough money in your account to pay the item.
Please
be aware, if a check is returned
because there is not enough money in the account to cover it, the check amount
is not deducted from the account, and no
overdraft occurs. For example, a customer’s checking account balance is
currently $50, and a check he wrote for $100 is presented to us for payment. If
we return the check instead of paying it, his account balance stays at $50 and
there is no account overdraft. Returned
checks are subject to a fee. (In printed materials as well as our website
description, it states that the 24-Hour Grace™ service cannot be
used to waive return fees.)
Based
upon your account elections, 24-Hour Grace™ applies only when we pay
a debit card transaction and an overdraft occurs. In that case, Huntington
gives you the opportunity to correct the overdraft by depositing sufficient
funds on the next business day, at which time we could waive the overdraft fee.
·
On June 3, 2015,
check number 126 in the amount of $40.00 was presented for payment and as the
available balance of your checking account was $12.84 the check was returned
unpaid, causing a returned item fee of $37.50 to be assessed on June 4, 2015.
·
On June 5, 2015,
check number 126 was again presented for payment by the payee and as the
available balance of your checking account was (-)$24.66 the check was returned
unpaid, causing a returned item fee of $37.50 to be assessed on June 8, 2015.
·
Our records
indicate that you were not enrolled to receive our text and/or email alert
service until June 9, 2015. There were no prior alert settings nor a prior
registered mobile device.
·
You are currently
enrolled in our text alerts service; however, you have not selected any alerts
to inform you of the account’s activity. In order to select alerts, you will
need to log on to your online banking service via huntington.com and click the
alerts tab at the top right of the screen.
o
Under that page
you can choose specific alerts and save your selections
·
If you need
assistance completing this action, you may contact us at [redacted] 24 hours a
day, 7 days a week.
In the future, please remember that keeping an
accurate check register is the best way to avoid overdraft fees and having
items returned. To know whether your account is overdrawn so that you can take
advantage of 24-Hour Grace®, you can check your account balance
through online banking or you can sign up for email and text alerts to help you
monitor your account balance.
Huntington does offer deposit-to-deposit overdraft
protection, which would link a checking account with a savings account to cover
any debits that exceed the available funds in your checking account. You can visit one of your local branches to
receive more information about this service.
As a courtesy, I refunded
$75.00 to your checking account on June 12, 2015; this was the total amount of
the two (2) returned item fees you were assessed.
We do appreciate your
comments and business as a valued Huntington customer. If you have further
questions, you’re welcome to call me directly at ###-###-#### or
###-###-####, extension [redacted] and I’ll be happy to assist you.
Sincerely,
[redacted]
[redacted]
Priority Response Unit
Dear Mr. [redacted]:This letter is in response to your concern filed with the Revdex.com in reference to yourclosed accounts with the Huntington National Bank.In keeping with our rights as outlined in the Agreement and Disclosure of Account Terms and Rulesand Regulations, we have exercised...
our right to close your accounts with The Huntington NationalBank in June 2015.As of this date, our records indicate that you owe charges prior to the closing of your businessaccount for your Credit Card Processing Merchant Services account with [redacted]
[redacted] I have enclosed detailed billing clearly showing the charges owed are from March, April,and May of 2015 which was prior to your business account being closed on June 10, 2015. Pleasebe aware that you must call [redacted] at ###-###-#### to make paymentarrangements for the past fees owed in order to prevent further collection efforts.If you have further questions or concerns please feel free to call me at the above number.Sincerely,Sue R[redacted]
Closed case with phone call to customer:
-Apologized for any inconvenience
-Explained 24 hour grace and timing to avoid fee for future referrence
-Explained extended overdraft fees
-Refunded one overdraft fee and one extended overdraft fee for total refund of $62.50 as a courtesy
-Provided PRU...
contact info
Dear [redacted] *
I’m writing
in response to your concerns addressed with the Revdex.com (“Revdex.com”)
dated July 28, 2015, regarding
your checking account formerly held with Huntington National Bank
(“Huntington”).
We have...
verified that our security
department has no record of your claim that fraud was committed on your
checking account ending in [redacted] in June of 2014. I have contacted Jessica M[redacted], manager at
our [redacted] office and confirmed that you
visited the office on August 4, 2015, and had your monthly checking statements
ordered at no cost to review for fraud.
Please return to the banking office to so that a
research case can be submitted and you can complete a dispute form for any
unauthorized transactions. Once the case
is submitted, your case will be reviewed and you will be notified of the
outcome of the research.
According to our records, your checking account
ending in [redacted] was charged-off on August 4, 2014, owing a balance of
(-$837.56). We have confirmed that this
account has been placed with Appelles LLC for recovery. If you wish to make payment arrangements for
the amount owed, please contact Appelles LLC directly at [redacted]
If you have any additional questions or concerns, you’re welcome to
contact me at ###-###-#### or ###-###-####, extension [redacted].
Sincerely,
John W[redacted]
[redacted]
The Huntington National Bank [redacted]
[redacted]
[redacted]
**
[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 October 10, 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 Tell us why here...
Dear Ms. [redacted]: I am in receipt of your complaints filed with the Consumer Financial Protection Bureau ("CFPB") and the Revdex.com ("Revdex.com") regarding fees charged to your checking account held with The Huntington National Bank ("Huntington"). This letter is intended to address...
your concerns. We received this matter for review on August 5,2015. Upon review of this matter we found Huntington, like other financial institutions, treats its customer records as confidential and does not disclose customer information without appropriate authorization. We can only supply information regarding accounts for which you are a signer/owner or unless we receive authorization. At this time we are only able to disclose information regarding your account. Our records indicate that you had elected to "Opt Out" for Debit Overdraft Service for All Transactions on June 15,2015, meaning that ATM, one-time debit card transactions, as well as checks and Automated Clearing House ("ACH") transactions would have been denied when the merchant submitted an authorization request for transaction amounts that exceeded your available balance. Please note the following information about 24 Hour GraceTM and return fees: Items on your account may be returned because if there was not enough money in your account to cover the checks when they are presented to us for payment. Each time we get an item presented for payment that exceeds the account balance, the decision is made whether to return it or pay it. Please note that this decision to return or pay the check is based on customer history, amount of the check, account balance and past or current bankruptcies. If an item is returned because there is not enough money in the account to cover it, the item is not deducted from the account, and no overdraft occurs. For example, a customer's checking account balance is currently $50, and a check he wrote for $ I 00 is presented to us for payment. If we return the check instead of paying it, his account balance stays at $50 and there is no account overdraft. Returned items are subject to a fee. I have provided a copy of the account Personal Account Charges Fonn as part of the account disclosures that inform you when fees are charged to your account. If we pay it, the amount is deducted from the account, causing an overdraft. 24-Hour race'" applies only when we pay the check and an overdraft occurs. In that case, the customer has the opportunity to correct the overdraft by depositing sumcient funds on the next business day, at which time we could waive the overdraft fee. (In printed materials as well as our website description, it states that the 24-Hour w race'^ service cannot be used to waive return fees.) Upon review of your account it was found that the account became overdrawn on July 3,2015. Since you changed your election for Debit Overdraft Service to "Opt Out" on June 15,20 15, Huntington has returned a total of 5 transactions which included the following: July 3,20 15 - Cashland $280.64 July 10,201 5 - CheckSmart $233.29 July 17,20 15 - Checksmart $248.29 July 24,20 15 - CheckSmart $62.07 July 3 1,20 1 5 - AdvanceAmerica $243.00 Your account incurred one $23.00 Returned item fee and four $37.50 Returned Item fees, totaling $173.00. 1 have enclosed a copy of the Notice of Insufficient Funds notices that were subsequently sent to you informing you of the returned items and fees charged. Per these disclosures it also explains that if an account is overdrawn 5 or more consecutive days, we will charge an extended overdraft fee of $25.00. For each subsequent week your account is continuously overdrawn, we will charge $25.00 per week. There is a maximum of four $25.00 fees during each continuous overdraft period. Our records indicate that your account became overdrawn on July 3,2015. Due to the account being overdrawn you received four $25.00 extended overdraft fees beginning July 10, 201 5 to July 31,2015. Please refer to the Personal Account Charges Form as part of your account disclosures which are enclosed. Please understand that we found no bank error and the fees incurred were valid, however, on August 12, 2015, we have waived returned item fees and extended overdraft fees totaling $262.52 on your account, as a courtesy. Per your request your checking account ending in [redacted] and your savings account ending in [redacted] were closed with a zero balance. You will receive a final statement for the accounts which will disclose the fee refunds and confirm the account closure. If you have any questions, you're welcome to contact me at ###-###-#### or toll free at ###-###-####. Sincerely, Jessica L[redacted]
[redacted]