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 18, 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 or the complainant» 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 May 08, 2017, for review.Please accept this correspondence as our confirmation that we have completed a thorough review of this matter and have contacted [redacted] directly in order to provide our response. If you have any questions, or need further assistance, you’re welcome to contact us at your first convenience. Sincerely, The Customer Advocacy Team Huntington National Bank
I’m
writing in response to your concerns addressed with the Revdex.com
(“Revdex.com”) dated July 23, 2015, regarding your checking account ending in [redacted] held
with Huntington National Bank (“Huntington”).
Huntington received this...
complaint for review on July 23, 2015.
We have verified the following in
regards to your checking account:
·
On Friday July 17, 2015, your
account was overdrawn (-$87.02)
·
On Saturday July 18, 2015 you made a
mobile deposit at 12:07 AM for $86.00 leaving your account balance negative
(-$1.02). Because this deposit was made
on Saturday, the deposit was processed on the next business day, Monday July
20, 2015, and released to your account on Tuesday July 21, 2015
·
On July 20, 2015, a $32.85 debit
from PAYPAL posted to your checking account making the balance negative (-$33.87)
According to our records, when you
called our customer service center on July 20, 2015, you were told that, in
addition to your $86.00 mobile deposit that was made on July 18, 2015, an
additional deposit of at least $33.87 would be needed to be made before
midnight July 20, 2015, to have the overdraft fees waived by our 24 Hour Grace
that had been generated on Friday July 17, 2015. Because no deposit was made, at the end of
the business day on July 20, 2015, your checking account was charged four overdraft
fees of $37.50 for a total of $150.00.
As a courtesy, on July 24, 2015 we
refunded a total of $150.00 in Overdraft Fees to your checking account.
Please know that case #[redacted]
has been filed to dispute the two charges from PAYPAL of $48.00 and $85.79 that
posted to your checking account on July 21, 2015. We have verified the dispute form was emailed
to you on July 23, 2015. This form is
required to continue the research for your dispute. If you did not receive the email with the dispute
form, please contact me to have the form resent.
If
you have any additional questions or concerns, you’re welcome to contact me at
###-###-#### or ###-###-####, extension [redacted].
Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding [redacted], which we received on December 19, 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 Revdex.com/: Biggers 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 8, 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
The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding Brittany Bell, which we received on September 13, 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
Closed case with phone call with customer and resolution comments to Revdex.com:-Apologized for any inconvenience-Explained that HNB systematically evaluates ability to overdraft account based on a variety of factors such as tenure, deposit frequency, overdraft history, and bankruptcy history-Explained...
that as the account was not overdrawn that 24 hour grace does not apply-Refunded the one $37.50 returned item fee that she received as a courtesy-Provided PRU contact info
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 22, 2017, for review.Please accept this correspondence as our confirmation that we have completed a thorough...
review of this matter and have contacted [redacted] directly in order to provide our response. If you have any questions, or need further assistance, you’re welcome to contact us at your first convenience. Sincerely, The Customer Advocacy Team Huntington National Bank
I’m writing in response to your correspondence addressed to the Revdex.com (“Revdex.com”) regarding your Huntington Voice Credit Card promotional interest rate inquiry. Huntington received this matter to review on April 22, 2015.
We understand that you were...
misinformed regarding the interest rate on the balance transfer that was submitted on April 4, 2015 to Chase Card Services in the amount of $1,940.00. We have found that you were informed that you would receive 0.00% fixed interest rate for 12 months, and this fixed rate would expire December 2015.
As you were misinformed, we have decided to honor this promotional offer for you and provide your account with a refund for the interest already paid. We reimbursed your account for the interest charges in the amount of $10.42 on April 29, 2015. On May 1, 2015, we completed an adjustment on our system to have your interest rate set at 0.00% starting now and going forward through December 12, 2015.
Please understand, your full monthly payment this month was $48.62 which is due by May 15, 2015. As you have made a partial payment of $20.62 and we issued a refund in the amount of $10.42, there is still an additional amount owed to us of $17.58 by May 15, 2015 to avoid any late charges.
[redacted], we sincerely apologize for any miscommunication provided to you regarding the balance transfer process and the zero percent interest rate. Thank you for bringing this issue to our attention and please know that we have shared this information with our Credit Card Management team so the necessary future improvements can be made.
If you have further questions, you’re welcome to call me directly at ###-###-#### or toll free at ###-###-####, extension [redacted], and I’ll be happy to assist you.
I was mislead into believing the account was free from service/maintenance fees. Directly from Huntington Bank's website: [https://www.huntington.com/Personal/banking/checking] "Get a checking account with no strings attached. Asterisk-Free Checking
is free to open and maintain. It's free from balance minimums and
maintenance fees. Best of all, it's free from asterisks."Huntington Bank representatives made little or no effort to contact me as they assessed fees to an account I believed was service/maintenance free. Huntington Bank claims to have contacted me by phone on August 13, 2014, but I have not record of this contact. Furthermore, no additional contact by either phone or email was made. Huntington Bank should disclose charges upfront. The bank states "isn’t it time you switched to a bank that believes in no surprises." Well, I was certainly surprised to find $95.00 withdrawn from my account!
Regards,
[redacted]
Dear Ms. [redacted]:
I am writing in response to your complaint filed with the Revdex.com (“Revdex.com”) and your call to the Huntington Bill Pay Research Department regarding a bill pay transactions in the amount of $210.00. I have attempted to contact you by phone to discuss this matter...
further, but was unsuccessful.
According to our records, you notified Huntington that a bill payment in the amount of $210.00 was unauthorized. Huntington immediately entered a research case with reference number, [redacted]. We first reviewed this case on September 2, 2015 and provided you with a letter explaining that provisional credit in the amount of $210.00 had been issued to your account while we conducted our investigation.
Additional research was needed in order to determine who initiated the payment as you were claiming it was unauthorized. After further review of this matter, it was determined that the previous credit issued to your account was not justified as this payment was initiated from the same mobile device and internet provider where all your previous valid payments had been made. It appears that you authorized the payment of $210.00 that was initiated on July 10, 2015, but later revoked authorization.
On September 29, 2015, a letter was sent to you explaining that the provisional credit provided to you on September 2, 2015 in the amount of $210.00 was going to be reversed on October 13, 2015, as we found the bill payment as valid. Our records indicate that your credit was not debited from your account as previously stated, so a phone call was made to you on October 21, 2015 to discuss this matter further. During that phone call, you requested that we research your request further.
Since we found that the bill payment was valid, we determined the only way we could obtain the funds for you was to request that the payee return them to us. We contacted your payee by phone and requested that the funds be returned to your account. The payee refused to return the funds to you, as the payee felt you owed the funds.
On October 21, 2015, we contacted you again by phone and explained that we attempted to obtain a verbal consent to retrieve the funds from your payee, but that we were unsuccessful. At that point, we offered to extend the provisional credit reversal date for an additional 10 business days, but you did not wish to extend the timeframe.
On October 21, 2015, the provisional credit was debited from your account and the research case was closed as resolved, as the bill payment was found to be valid. In your complaint, you claim that Huntington did not notify you that the provisional credit was going to be reversed. For your convenience, I have enclosed the letters that Huntington previously sent to you during this process for you to review and keep for your records.
I sincerely apologize for any inconvenience or any delay you feel occurred during this process. Providing you with an excellent Huntington experience is our goal. Please know that your comments have been heard and forwarded to the appropriate level of management so any necessary improvements can be made.
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,
Adrianne P[redacted]
I’m
writing in response to the rebuttal that you filed with the RevDex.com (“Revdex.com”) dated September 14, 2015, regarding your checking
account ending in [redacted] held with Huntington National Bank (“Huntington”).
After
reviewing our records, we have verified that your checking account ending in
[redacted] was opened on August 17, 2015. The
current available balance is $0.34.
We
have confirmed that your checking account ending in [redacted] was opened on August
4, 2014. As you have requested, we have
filed research case #[redacted] to dispute the ACH debit of $53.98 from
PAYPAL that posted to your checking account on September 10, 2015. Please complete the enclosed ACH dispute form
and either fax it to ############# or mail it to:
Huntington National
Bank
[redacted]
Please
know that the ACH dispute process may take up to 45 to complete. If the dispute is found to be valid, any
related fees will be refunded.
Please
note the following information about electronic debit return fees:
The
electronic debit for $20.00 on September 10, 2015, and the electronic debit for
$20.00 and $40.00 on September 11, 2015, initiated on your checking account ending
in [redacted] were returned because there was not enough money in your account to
cover the electronic debits when they were presented to us for payment. Each time we get a debit 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 debit
is based on customer history, amount of the check, the account balance, and
past and present bankruptcies.
If
an electronic check is returned because there is not enough money in the
account to cover it, the debit amount is not deducted from the account, and no
overdraft occurs. For example, a customer’s checking account balance is
currently $50, and an electronic debit for $100 is presented to us for payment.
If we return the debit instead of paying it, this account balance stays at $50
and there is no account overdraft.
Returned items are subject to a fee.
If
we pay it, the electronic debit amount is deducted from the account, causing an
overdraft. 24-Hour Grace™
applies only when we pay the debit and an overdraft occurs. In that case, the
customer has the opportunity to correct the overdraft by depositing sufficient
funds on the next business day, at which time we could waive the overdraft fee.
(In printed materials as well as our website description, it states that the
24-Hour Grace™ service cannot be used to waive return fees.)
Please
see the following details for your account:
A
review of your checking account ending in [redacted] activity on September 10, 2015,
shows a beginning balance of $0.00.
A
review of your checking account ending in [redacted] activity on September 11, 2015,
shows a beginning balance of $0.00.
Please
note that the 2 RETURNED ITEM FEES of $37.50 that were generated on September
11, 2015, posted to your checking account on September 14, 2015.
As
stated in our letter dated September 8, 2015, please know that no more courtesy
refunds will be provided at this time as this issue was not caused by a bank
error.
If
you have additional questions, please feel free to call me directly at ###-###-####
or at ###-###-####, extension [redacted]. We appreciate your business and the
opportunity to address your concerns.
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 24, 2017 for review. Please accept this correspondence as our...
confirmation that we have completed a thorough review of this matter and have contacted [redacted] directly in order to provide our response. If you have any questions, or need further assistance, you’re welcome to contact us at your first convenience. Sincerely,The Customer Advocacy Team Huntington National Bank
The Huntington National BankCustomer Advocacy Team EA1W02[redacted]
[redacted] August 9, 2017 [redacted]
[redacted]
[redacted]
[redacted]
Huntington Case #: [redacted] Dear [redacted]:Thank you for...
contacting The Huntington National Bank (“Huntington”). We are writing in response to thecomplaint you forwarded to us regarding [redacted], which we received on August 1, 2016 for review.Please accept this correspondence as our confirmation that we have completed a thorough review of thismatter and have contacted [redacted] directly in order to provide our response.If you have any questions, or need further assistance, you’re welcome to contact us at your first convenience.Sincerely,The Customer Advocacy TeamHuntington National Bank
The Huntington National Bank Customer Advocacy Team EA1W02 P.O. Box 1558 Columbus, Ohio 43216 February 1, 2017 Revdex.com 1169 Dublin Rd Columbus, OH 43215 Re: Revdex.com Case #: 11959440 Huntington Case #: 00311520 Dear...
Revdex.com/Timothy Rhoad: Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding Timothy Rhoad, which we received on January 27, 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, [redacted] Huntington National Bank Tell us why here...
Dear Ms. [redacted] I’m writing in response to your complaint filed with the Revdex.com regarding your installment loan account number ending in [redacted] with Huntington National Bank (“Huntington”). Huntington received this matter on May 23, 2016 for review. I have attempted to...
contact you by telephone; however, I have been unsuccessful in reaching you. According to the information on file, on January 26, 2015, you purchased a vehicle at Irwin Hyundai. During that transaction, you opted to apply for financing, and were subsequently approved for a loan from Huntington. For your records, we have enclosed a copy of your Huntington Personal Loan Agreement. All of the information about the terms of the contract was provided to you at the time of the purchase. By signing the loan agreement form which explained the terms of the loan, we accepted it as your acknowledgement that you reviewed the terms of the contract and agreed with them, which includes financing a Guaranteed Auto Protection (“GAP”) program. Our records show that the GAP plan that you purchased is serviced by Toyota Financial Services. Although the price of this program was financed into your Huntington installment loan, Huntington does not have an affiliation with Toyota Financial Services. For more information regarding what is needed to complete a claim, please refer to page two, section 5 of the enclosed copy of your “Toyota Financial Services GAP Debit Cancelation Agreement”. On May 25, 2016, we contacted Toyota Financial Services on your behalf. During this conversation we were able to confirm that they have received all of the information needed from Huntington. The representative stated that the information that is needed to complete the GAP claim includes: A copy of the Credit Life / Disability insurance refund. (This insurance plan is serviced by Protective Life. This service must be canceled at Irwin Hyundai. Huntington does not have an affiliation with Protective Life Insurance Company). Verification that you have paid your deductible to your primary insurance company. Please contact Toyota Financial Services directly at ########## for more details regarding your claim. Our records show that on May 25, 2016, you completed a Speed Payment in the amount of $352.00. As a courtesy, we have backdated this payment to March 7, 2016 (the date we received the $5,431.00 total loss payment from your primary insurance company). We have also reapplied the $5,431.00 total loss insurance payment as a payoff. Ms. [redacted], we have verified that Huntington is not reporting any delinquencies to the three national credit reporting agencies. We apologized for any inconvenience that this matter may have caused. If I may be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-#### (ask for extension #####). We appreciate your business and the opportunity to respond to your concerns. Sincerely, Bob A[redacted] Huntington.com
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. Though I am not happy to learn how my account was inadvertently and erroneously cancelled, I am thoroughly satisfied with the professionalism display by Mr. A[redacted] and the expedience by which he resolved this matter.
Regards, [redacted]
Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding [redacted]a. 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 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 October 18, 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 or the complainant» 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 May 08, 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
Business contacted Revdex.com requesting additional time to respond, still researching.
Dear
Ms. [redacted]
I’m
writing in response to your concerns addressed with the Revdex.com
(“Revdex.com”) dated July 23, 2015, regarding your checking account ending in [redacted] held
with Huntington National Bank (“Huntington”).
Huntington received this...
complaint for review on July 23, 2015.
We have verified the following in
regards to your checking account:
·
On Friday July 17, 2015, your
account was overdrawn (-$87.02)
·
On Saturday July 18, 2015 you made a
mobile deposit at 12:07 AM for $86.00 leaving your account balance negative
(-$1.02). Because this deposit was made
on Saturday, the deposit was processed on the next business day, Monday July
20, 2015, and released to your account on Tuesday July 21, 2015
·
On July 20, 2015, a $32.85 debit
from PAYPAL posted to your checking account making the balance negative (-$33.87)
According to our records, when you
called our customer service center on July 20, 2015, you were told that, in
addition to your $86.00 mobile deposit that was made on July 18, 2015, an
additional deposit of at least $33.87 would be needed to be made before
midnight July 20, 2015, to have the overdraft fees waived by our 24 Hour Grace
that had been generated on Friday July 17, 2015. Because no deposit was made, at the end of
the business day on July 20, 2015, your checking account was charged four overdraft
fees of $37.50 for a total of $150.00.
As a courtesy, on July 24, 2015 we
refunded a total of $150.00 in Overdraft Fees to your checking account.
Please know that case #[redacted]
has been filed to dispute the two charges from PAYPAL of $48.00 and $85.79 that
posted to your checking account on July 21, 2015. We have verified the dispute form was emailed
to you on July 23, 2015. This form is
required to continue the research for your dispute. If you did not receive the email with the dispute
form, please contact me to have the form resent.
If
you have any additional questions or concerns, you’re welcome to contact me at
###-###-#### or ###-###-####, extension [redacted].
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], which we received on December 19, 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 Revdex.com/: Biggers 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 8, 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 Brittany Bell, which we received on September 13, 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
Closed case with phone call with customer and resolution comments to Revdex.com:-Apologized for any inconvenience-Explained that HNB systematically evaluates ability to overdraft account based on a variety of factors such as tenure, deposit frequency, overdraft history, and bankruptcy history-Explained...
that as the account was not overdrawn that 24 hour grace does not apply-Refunded the one $37.50 returned item fee that she received as a courtesy-Provided PRU contact info
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 22, 2017, for review.Please accept this correspondence as our confirmation that we have completed a thorough...
review of this matter and have contacted [redacted] directly in order to provide our response. If you have any questions, or need further assistance, you’re welcome to contact us at your first convenience. Sincerely, The Customer Advocacy Team Huntington National Bank
Dear [redacted]:
I’m writing in response to your correspondence addressed to the Revdex.com (“Revdex.com”) regarding your Huntington Voice Credit Card promotional interest rate inquiry. Huntington received this matter to review on April 22, 2015.
We understand that you were...
misinformed regarding the interest rate on the balance transfer that was submitted on April 4, 2015 to Chase Card Services in the amount of $1,940.00. We have found that you were informed that you would receive 0.00% fixed interest rate for 12 months, and this fixed rate would expire December 2015.
As you were misinformed, we have decided to honor this promotional offer for you and provide your account with a refund for the interest already paid. We reimbursed your account for the interest charges in the amount of $10.42 on April 29, 2015. On May 1, 2015, we completed an adjustment on our system to have your interest rate set at 0.00% starting now and going forward through December 12, 2015.
Please understand, your full monthly payment this month was $48.62 which is due by May 15, 2015. As you have made a partial payment of $20.62 and we issued a refund in the amount of $10.42, there is still an additional amount owed to us of $17.58 by May 15, 2015 to avoid any late charges.
[redacted], we sincerely apologize for any miscommunication provided to you regarding the balance transfer process and the zero percent interest rate. Thank you for bringing this issue to our attention and please know that we have shared this information with our Credit Card Management team so the necessary future improvements can be made.
If you have further questions, you’re welcome to call me directly at ###-###-#### or toll free at ###-###-####, extension [redacted], and I’ll be happy to assist you.
Sincerely,
[redacted]
I was mislead into believing the account was free from service/maintenance fees. Directly from Huntington Bank's website: [https://www.huntington.com/Personal/banking/checking] "Get a checking account with no strings attached. Asterisk-Free Checking
is free to open and maintain. It's free from balance minimums and
maintenance fees. Best of all, it's free from asterisks."Huntington Bank representatives made little or no effort to contact me as they assessed fees to an account I believed was service/maintenance free. Huntington Bank claims to have contacted me by phone on August 13, 2014, but I have not record of this contact. Furthermore, no additional contact by either phone or email was made. Huntington Bank should disclose charges upfront. The bank states "isn’t it time you switched to a bank that believes in no surprises." Well, I was certainly surprised to find $95.00 withdrawn from my account!
Regards,
[redacted]
Dear Ms. [redacted]:
I am writing in response to your complaint filed with the Revdex.com (“Revdex.com”) and your call to the Huntington Bill Pay Research Department regarding a bill pay transactions in the amount of $210.00. I have attempted to contact you by phone to discuss this matter...
further, but was unsuccessful.
According to our records, you notified Huntington that a bill payment in the amount of $210.00 was unauthorized. Huntington immediately entered a research case with reference number, [redacted]. We first reviewed this case on September 2, 2015 and provided you with a letter explaining that provisional credit in the amount of $210.00 had been issued to your account while we conducted our investigation.
Additional research was needed in order to determine who initiated the payment as you were claiming it was unauthorized. After further review of this matter, it was determined that the previous credit issued to your account was not justified as this payment was initiated from the same mobile device and internet provider where all your previous valid payments had been made. It appears that you authorized the payment of $210.00 that was initiated on July 10, 2015, but later revoked authorization.
On September 29, 2015, a letter was sent to you explaining that the provisional credit provided to you on September 2, 2015 in the amount of $210.00 was going to be reversed on October 13, 2015, as we found the bill payment as valid. Our records indicate that your credit was not debited from your account as previously stated, so a phone call was made to you on October 21, 2015 to discuss this matter further. During that phone call, you requested that we research your request further.
Since we found that the bill payment was valid, we determined the only way we could obtain the funds for you was to request that the payee return them to us. We contacted your payee by phone and requested that the funds be returned to your account. The payee refused to return the funds to you, as the payee felt you owed the funds.
On October 21, 2015, we contacted you again by phone and explained that we attempted to obtain a verbal consent to retrieve the funds from your payee, but that we were unsuccessful. At that point, we offered to extend the provisional credit reversal date for an additional 10 business days, but you did not wish to extend the timeframe.
On October 21, 2015, the provisional credit was debited from your account and the research case was closed as resolved, as the bill payment was found to be valid. In your complaint, you claim that Huntington did not notify you that the provisional credit was going to be reversed. For your convenience, I have enclosed the letters that Huntington previously sent to you during this process for you to review and keep for your records.
I sincerely apologize for any inconvenience or any delay you feel occurred during this process. Providing you with an excellent Huntington experience is our goal. Please know that your comments have been heard and forwarded to the appropriate level of management so any necessary improvements can be made.
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,
Adrianne P[redacted]
Dear
Ms. [redacted]
I’m
writing in response to the rebuttal that you filed with the RevDex.com (“Revdex.com”) dated September 14, 2015, regarding your checking
account ending in [redacted] held with Huntington National Bank (“Huntington”).
After
reviewing our records, we have verified that your checking account ending in
[redacted] was opened on August 17, 2015. The
current available balance is $0.34.
We
have confirmed that your checking account ending in [redacted] was opened on August
4, 2014. As you have requested, we have
filed research case #[redacted] to dispute the ACH debit of $53.98 from
PAYPAL that posted to your checking account on September 10, 2015. Please complete the enclosed ACH dispute form
and either fax it to ############# or mail it to:
Huntington National
Bank
[redacted]
Please
know that the ACH dispute process may take up to 45 to complete. If the dispute is found to be valid, any
related fees will be refunded.
Please
note the following information about electronic debit return fees:
The
electronic debit for $20.00 on September 10, 2015, and the electronic debit for
$20.00 and $40.00 on September 11, 2015, initiated on your checking account ending
in [redacted] were returned because there was not enough money in your account to
cover the electronic debits when they were presented to us for payment. Each time we get a debit 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 debit
is based on customer history, amount of the check, the account balance, and
past and present bankruptcies.
If
an electronic check is returned because there is not enough money in the
account to cover it, the debit amount is not deducted from the account, and no
overdraft occurs. For example, a customer’s checking account balance is
currently $50, and an electronic debit for $100 is presented to us for payment.
If we return the debit instead of paying it, this account balance stays at $50
and there is no account overdraft.
Returned items are subject to a fee.
If
we pay it, the electronic debit amount is deducted from the account, causing an
overdraft. 24-Hour Grace™
applies only when we pay the debit and an overdraft occurs. In that case, the
customer has the opportunity to correct the overdraft by depositing sufficient
funds on the next business day, at which time we could waive the overdraft fee.
(In printed materials as well as our website description, it states that the
24-Hour Grace™ service cannot be used to waive return fees.)
Please
see the following details for your account:
A
review of your checking account ending in [redacted] activity on September 10, 2015,
shows a beginning balance of $0.00.
A
review of your checking account ending in [redacted] activity on September 11, 2015,
shows a beginning balance of $0.00.
Please
note that the 2 RETURNED ITEM FEES of $37.50 that were generated on September
11, 2015, posted to your checking account on September 14, 2015.
As
stated in our letter dated September 8, 2015, please know that no more courtesy
refunds will be provided at this time as this issue was not caused by a bank
error.
If
you have additional questions, please feel free to call me directly at ###-###-####
or at ###-###-####, extension [redacted]. We appreciate your business and the
opportunity to address your concerns.
Sincerely,
John W[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 24, 2017 for review. Please accept this correspondence as our...
confirmation that we have completed a thorough review of this matter and have contacted [redacted] directly in order to provide our response. If you have any questions, or need further assistance, you’re welcome to contact us at your first convenience. Sincerely,The Customer Advocacy Team Huntington National Bank
The Huntington National BankCustomer Advocacy Team EA1W02[redacted]
[redacted] August 9, 2017 [redacted]
[redacted]
[redacted]
[redacted]
Huntington Case #: [redacted] Dear [redacted]:Thank you for...
contacting The Huntington National Bank (“Huntington”). We are writing in response to thecomplaint you forwarded to us regarding [redacted], which we received on August 1, 2016 for review.Please accept this correspondence as our confirmation that we have completed a thorough review of thismatter and have contacted [redacted] directly in order to provide our response.If you have any questions, or need further assistance, you’re welcome to contact us at your first convenience.Sincerely,The Customer Advocacy TeamHuntington National Bank
The Huntington National Bank Customer Advocacy Team EA1W02 P.O. Box 1558 Columbus, Ohio 43216 February 1, 2017 Revdex.com 1169 Dublin Rd Columbus, OH 43215 Re: Revdex.com Case #: 11959440 Huntington Case #: 00311520 Dear...
Revdex.com/Timothy Rhoad: Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding Timothy Rhoad, which we received on January 27, 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, [redacted] Huntington National Bank Tell us why here...
Dear Ms. [redacted] I’m writing in response to your complaint filed with the Revdex.com regarding your installment loan account number ending in [redacted] with Huntington National Bank (“Huntington”). Huntington received this matter on May 23, 2016 for review. I have attempted to...
contact you by telephone; however, I have been unsuccessful in reaching you. According to the information on file, on January 26, 2015, you purchased a vehicle at Irwin Hyundai. During that transaction, you opted to apply for financing, and were subsequently approved for a loan from Huntington. For your records, we have enclosed a copy of your Huntington Personal Loan Agreement. All of the information about the terms of the contract was provided to you at the time of the purchase. By signing the loan agreement form which explained the terms of the loan, we accepted it as your acknowledgement that you reviewed the terms of the contract and agreed with them, which includes financing a Guaranteed Auto Protection (“GAP”) program. Our records show that the GAP plan that you purchased is serviced by Toyota Financial Services. Although the price of this program was financed into your Huntington installment loan, Huntington does not have an affiliation with Toyota Financial Services. For more information regarding what is needed to complete a claim, please refer to page two, section 5 of the enclosed copy of your “Toyota Financial Services GAP Debit Cancelation Agreement”. On May 25, 2016, we contacted Toyota Financial Services on your behalf. During this conversation we were able to confirm that they have received all of the information needed from Huntington. The representative stated that the information that is needed to complete the GAP claim includes: A copy of the Credit Life / Disability insurance refund. (This insurance plan is serviced by Protective Life. This service must be canceled at Irwin Hyundai. Huntington does not have an affiliation with Protective Life Insurance Company). Verification that you have paid your deductible to your primary insurance company. Please contact Toyota Financial Services directly at ########## for more details regarding your claim. Our records show that on May 25, 2016, you completed a Speed Payment in the amount of $352.00. As a courtesy, we have backdated this payment to March 7, 2016 (the date we received the $5,431.00 total loss payment from your primary insurance company). We have also reapplied the $5,431.00 total loss insurance payment as a payoff. Ms. [redacted], we have verified that Huntington is not reporting any delinquencies to the three national credit reporting agencies. We apologized for any inconvenience that this matter may have caused. If I may be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-#### (ask for extension #####). We appreciate your business and the opportunity to respond to your concerns. Sincerely, Bob A[redacted] Huntington.com
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. Though I am not happy to learn how my account was inadvertently and erroneously cancelled, I am thoroughly satisfied with the professionalism display by Mr. A[redacted] and the expedience by which he resolved this matter.
Regards, [redacted]
Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding [redacted]a. 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 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