Closed case with phone call with customer:-Apologized for any inconvenience-Explained extended overdraft fees were outlined in discloses and explained when and why they are charged-Refunded 4 $25 extended overdraft fees as a courtesy-Explained customer changed election to opt in on 9/19/15-Per...
customer's requested changed election to opt out to allow overdrafts for all going forward and explained that he will receive a system generated confirmation letter -Provided PRU contact info
Telephone call to/from customer:*Customer advised, he can't be sure his credit was affected by this transaction.*Advised, we cannot refund the requested $25.00 because the transaction detail provided by the customer shows a credit and a debit. *Advised, since fees have been reimbursed, there is no credit repair necessary, there is nothing more we can offer.*Apologized for any inconvenience this may have caused him. His $130.00 fee has already been refunded to his account.
I feel the phone call from them was a complete bull crap of a call. It was not worth my time and it was just a lot of hot air being blown about we are sorry and it’s understandable that you where upset and blah blah blah. Regards,
[redacted]
Thank you for contacting The Huntington National Bank ("Huntington"). We are writing in response to the complaint you forwarded to us regarding [redacted], which we received on March 3, 2017, for review.Please accept this correspondence as our confirmation that we have completed a thorough review of this matter and have contacted [redacted] directly in order to provide our response. If you have any questions, or need further assistance, you’re welcome to contact us at your first convenience. Sincerely, The Customer Advocacy Team Huntington National Bank
Dear Ms. [redacted]
I’m writing in response to your complaint filed with the Revdex.com regarding your Huntington Installment loan account number ending in [redacted].
Please know that we have completed a thorough review of this matter. Through our research we have found the following...
information:
When you opened this loan on February 15, 2013, Huntington sent you a loan payment booklet. Huntington does not have a record of a request from you to receive monthly billing statements. If you would like to begin receiving a monthly billing statement, please contact our Phone Bank customer service at ###-###-####.
Our records show that you have been making your payments to this loan by mailing a check with a payment coupon or by calling our Phone Bank customer service and completing a Speed Payment through our Voice Response Unit (“VRU”).
We have enclosed a loan payment history showing the dates of the payments that you have made to this account and how they were made. We also have enclosed examples of payments you have made using the payment coupons.
Customer Contact:
Ms. [redacted] when you contact our Phone Bank customer service or visit a banking office to discuss your account, a record of this call or visit is noted on your account profile. Our records only show one customer contact from you. A phone call to our Phone Bank on July 31, 2013.
Our records show that our Customer Assistance Team (Collections) has attempted to contact you at ###-###-#### when your account has been past due to discuss your repayment options. This includes attempts to contact you in June 2014 and August 2015, but we have been unsuccessful.
Pass-A-Payment:
The Huntington has a Pass-A-Payment option that allows our customers to defer a loan payment.
The rules to this loan payment deferral are listed in the front of your payment booklet that was sent to you when you opened this loan.
Under “Here’s How To Pass-A-Payment® and Make it Up Later” it states:
The following rules apply to Pass-A-Payment:
· You may be eligible to use a Pass-A-Payment request any time after you have made 12 months of timely and full loan payments within a 12 month period.
· There may be a deferral fee to process your request. The amount of the fee is shown on the Pass-A-Payment request. You are not required to send the fee with the Pass-A-Payment request. If you do not send the fee with the request, we will deduct the fee from your next monthly payment(s).
· In addition to a deferral fee, you will also be required to pay additional finance charges. Interest will continue to accrue on the unpaid principal balance.
· Your Pass-A-Pay request must be received by Huntington on or before the due date of the payment you wish to defer.
· All Pass-A-Payment requests are subject to Huntington approval.
Please note if Huntington receives a Pass-A-Payment request that cannot be processed due to the rules stated above, a letter is sent to the customer informing them that we cannot grant the loan extension. Huntington does not have a record of a Pass-A-Payment request on this account.
Credit Reporting:
In September 2015, Huntington received a request from Transunion and Experian (National Credit Reporting Agencies) asking us to provide an account verification. Huntington responded to these agencies stating that the account is open with two 30 day delinquencies (June 2014 and August 2015).
Providing customers with an excellent Huntington experience is our goal. Please understand that Huntington has a legal obligation to provide fair and accurate account information, in accordance with the Fair Credit Reporting Act (“FCRA”). No adjustments will be made to your account unless they are caused by a Huntington error.
If I may be of further assistance to you, please feel free to contact me directly at ###-###-####7 or toll free at ###-###-####, ask for extension [redacted]. We appreciate your business and the opportunity to respond to your concerns.
Sincerely,
Bob A[redacted]
[redacted]
it wasn't my fault that the check didn't clear and now I have to pay all that back and I have low income. My dad past away 2 years ago and the check came from a life insurance agency. It wasn't my fault at all and I shouldn't have to pay all that back
Regards,
[redacted]
Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding [redacted] which we received on March 6, 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
Case closed with a telephone call to the customer: *Confirmed that a mobile deposit was made to the account on 4/15/16 for $1,996.00. *Confirmed the check was returned on 4/18/16 as a returned deposit item, a returned deposit item fee of $10.00 was also assessed on 4/18/16. *Confirmed the customer...
closed her account ending in 2611 on 4/18/16 and a new account was opened ending in [redacted]Confirmed that after a complete investigation, the customer’s relationship was closed by the Huntington fraud department on 4/26/16. *Confirmed that a final statement will be mailed to the customer’s address on file. *Apologized for any inconveniences that the customer may have experienced. *Provided the PRU’s contact information for any future concerns.
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]
I did receive in the mail , letter stating that loan was paid in full and sent to the Jefferson county clerks and I went to the Jefferson county clerks office to have the lein removed from title. That part was done but no one from Hunington contacted me personally and that's ok. And today 11/29/17 they sent me a fax stating the loan was paid in full and that fax was requested over a week ago. This is one bank I will never do business with again. As far as I am concerned this file can be closed... Thank You Revdex.com for your fast response I truly Appreciate it.
the bank is not trying to help me at all and now my accounts are a mess with changes allowed to go through that never should have been. I am ow very overdrawn on all accounts and have many fees and I don't even bank here anymore.
Regards,
[redacted]
if I call the 800 number provided the customer service department cannot transfer me to the provided extension. Is there another way to contact speak with the person at the bank? I.e. a different phone number?
Regards,
[redacted]
I’m
writing in response to your email addressed to [redacted], [redacted] for Huntington National Bank
(“Huntington’), and your complaint that was filed with the RevDex.com (“Revdex.com”) regarding your checking...
account ending in [redacted]. Ms. [redacted] has asked that I respond on her
behalf. As a courtesy, we have refunded
3 of the 5 Overdraft fees of $37.50 that posted to your checking account on May
27, 2015, and May 28, 2015, for a total refund of $112.50.
Please know that posting order is a very complex
process, involving many hundreds of types of transactions. Generally, however,
on any given business day, we post deposits and credits first, followed by
various categories of withdrawals, payments, transfers and other debits, with
fees and interest (if any) posted at the end. Within the various categories of
debits:
·
We post
certain electronic transactions that have a valid date/time stamp authorization
in chronological order, such as most debit card purchases and ATM withdrawals
and transfers.
·
We post
most checks in check number order, with exceptions for certain checks that we
are not able to return.
·
We post
other items, entries and transactions in low-to-high order based on amount
within their specific categories.
If there are not enough available
funds in your account to cover all transactions to be paid or debited from your
account on a given day, the posting order we establish will determine which
ones we are able to pay or debit from available funds. The posting order can
affect which transactions overdraw your account or are returned/denied, as well
as the amount of related Overdraft Fees and Return Fees we charge you.
We
confirmed that your overdraft election for the Overdraft Service was “opted-in”
for Debit Card, ATM, checks and ACH items on July 16, 2013. This election
allows Huntington to pay items for you into the negative, and provides you with
an extra day to make a deposit in order to avoid fees. Please understand, the
24 Hour Grace® service is discretionary and can be updated by
contacting our Customer Service Center or your local banking office.
Please
note the following information about 24 Hour Grace®:
When
you overdraw your checking account, 24 Hour Grace® gives you until
the financial cut-off time on the next business day to make a deposit to cover
the overdraft amount, plus any current amounts that must be paid. You
need to deposit enough to bring your account balance to at least
(-$4.99). Of course, if you can get your balance out of the negative,
please do. But we give you a $4.99 cushion in case you can’t quite make it all
the way.
Example: If the account is overdrawn by $100,
and a transaction for $100 will post to your account on the same day, a $196.00
deposit must be made by the cut-off time.
A deposit
to correct the overdraft (as described above) must be made by the applicable
financial cut-off time on the next business day. Financial cut-off times vary
based on how/where you make the deposit.
Each
branch has a local cut-off time posted.
ATM,
Online Banking or Telephone Banking transfer - Before 11:59 p.m.
For
more information and examples regarding 24-Hour Grace® please visit
our website at [redacted]
Please see the
following details for your account:
A review of your
account activity on May 26, 2015, shows a beginning balance of $540.44.
On May 27, 2015, four
Overdraft Fees of $37.50 posted to your checking account, for a total of
$150.00. Please note that Huntington charges a maximum of four Overdraft Fees
and four Returned Item Fees per day.
A review of your
account activity on May 27, 2015, shows a beginning balance of (-$233.09).
On May 28, 2015, one
Overdraft Fee of $37.50 posted to your checking account.
We
have confirmed that we have issued multiple courtesy refunds for Overdraft Fees
to your checking account, including $62.50 on April 9, 2015, $150.00 on April
20, 2015, $100.00 on April 23, 2015, and $112.50 on June 1, 2015. Please know that no further courtesy refunds
will be given for this issue.
Please
note, Huntington offers e-mail and text which can give you more immediate
information about your accounts, including balances and 24 Hour Grace® notices.
If you’re interested in e-mail alerts or establishing a device for your text
alerts, please contact our Customer Service Center at ###-###-#### or visit
our website at Huntington.com.
Currently
your account has a balance owing of -$401.61. Please be aware that if your account remains in a negative status as
it has been that there may be ramifications such as account closure, negative
reporting to Chex Systems and also further collections efforts through third
party collection agencies retained by the Huntington National Bank. You
may contact our Customer Assistance Team at ###-###-#### to discuss possible
repayment options or make a deposit at your local banking office.
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,
[redacted]
[redacted]
Customer
Advocacy Response Team
[redacted] February 7, 2017 [redacted] Re: Revdex.com Case [redacted] Huntington Case #: [redacted]
Dear [redacted]...
[redacted]: Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding Tracy M[redacted], which we received on February 2, 2017 for review. Please accept this correspondence as our confirmation that we have completed a thorough review of this matter and have contacted Tracy M[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]
*
Closed case with contact with customer:-Apologized for any inconvenience-Confirmed wire transfer was reversed and funds sent back to the originator via wire transfer-Refunded both incoming and outgoing wire transfer fee as courtesy-Closed checking account at zero balance and confirmed both...
checking and savings accounts are now closed-Provided PRU contact info
I’m
writing in response to your complaint filed with the Revdex.com
regarding your Huntington installment loan account number ending in [redacted]. We
have attempted to reach you by phone to follow up on your concern, but have
been...
unsuccessful.
Please
know that we have completed a thorough review of this matter. Through our
research we found the following information:
According
to the information on file, on June 2, 2010 you purchased a vehicle at [redacted] (DBA [redacted]. During that
transaction, you opted to apply for financing, and were subsequently approved
for a loan from Huntington National Bank.
For your records, we have enclosed a copy of
your Huntington Personal Loan Agreement.
All of the information about the terms of the contract was provided to
you at the time of the purchase. By signing the loan agreement form which
explained the terms of the loan, we accepted it as your acknowledgement that
you reviewed the terms of the contract and agreed with them. The contract
included the following sections regarding a Prepayment Penalty and a Vendor’s
Single Interest (“VSI”) fee.
Vendor’s Single Interest:
Listed on the front of the enclosed Personal
Loan Agreement under the “Itemization of Amount Financed” section, Number 2, it
states: “To Insurance Co. for Vendor’s Single Interest insurance”. This $40.00
fee is to help protect the Huntington’s security interest in the vehicle in the
event of customer default.
Examples of what this insurance will cover
are:
• For when a buyer fails to
make payments.
• Protection from physical
damage to a repossessed vehicle.
Please note that you can find more information
regarding the Vendor’s Single Interest insurance on the back of your Personal
Loan Agreement under “Property and Vendor’s single Interest Insurance”.
Prepayment Penalty:
On the back of the enclosed Personal Loan
Agreement under “Early Payment” it states:
“In
return for the interest rate provided in this agreement, you agree to pay a
prepayment charge if this loan is paid off prior to the final scheduled
due date.
The
prepayment charge is the greater of $125 or 1.25% of the outstanding principal
balance
at the time of payoff. However, there is no prepayment charge if we
receive
the final payoff of this loan after the payment due date that is 6
payments
less than the total number of payments due on the loan. For
example, in a loan with 48 monthly payments, there is no prepayment
charge if
we
receive the final payoff of your loan after the due date of the 42nd
payment”.
The
scheduled maturity date for this loan is June 17, 2016. In order to avoid
paying a prepayment fee, you must make a full monthly payment of $445.88 every
month until December 17, 2015. Please note that as the principal balance is
reduced on this loan, the prepayment fee amount is also reduced.
Mr.
[redacted], our records show that this account was paid in full on August 12,
2015. As a courtesy we have waived the $125.00 Prepayment Penalty. You will
receive the $125.00 refund within 7 to 10 business days.
Regarding
your comments about the service received from our Phone bank Customer Service.
Our records show that you called our Phone Bank on August 4, 2015 and again on
August 12, 2015. We have contacted the appropriate level of Huntington
management for a review of the recorded telephone conversations, for possible coaching
opportunities.
We
sincerely regret any confusion regarding this situation. If you have additional
questions regarding your Huntington loan, please feel free to contact me
directly at ###-###-####. We appreciate your business and the opportunity to
address your concerns.
Dear [redacted]:I am writing in response to your complaint that was posted to the Revdex.com's website inregards to your concerns about your checking account ending in [redacted] that was opened on April 16,201 5.Huntington received this matter for review on April 24, 2015.We apologize for any...
inconvenience that you may have experienced. Per the Bonus Addendum that wasprovided when the promo code was accepted, you received the $150.00 bonus on April 20, 2015, foropening your new checking account on April 16,2015. The Bonus Addendum also states that an EarlyAccount Closing Fee will apply to accounts closed within 100 days of opening. We have enclosed a copyof the Bonus Addendum for your records.Per our conversation, on May I, 2015, you stated that you wished to have the account closed. On May 5.201 5, we closed your checking account ending in [redacted], and applied the $1.06 account balance to the$25.00 Early Account Closing Fee, as you requested. As a courtesy, we waived the remaining $23.94 ofthe Early Account Closing Fee. Your account is now closed at a $0.00 balance.We regret that our service did not meet the standards that you and Huntington expect to be offered to ourcustomers. Please know that I have discussed your comments with the appropriate level of management.While we are sincerely dismayed to learn of your experience, we thank you for making us aware of thedetails.[redacted], if you have any additional questions or concerns, please feel free to contact me at ###-###-#### or ###-###-####, extension [redacted]Sincerely,[redacted]Customer Advocacy Response Team
Closed case with phone call with customer:-Apologized for any inconvenience-Explained extended overdraft fees were outlined in discloses and explained when and why they are charged-Refunded 4 $25 extended overdraft fees as a courtesy-Explained customer changed election to opt in on 9/19/15-Per...
customer's requested changed election to opt out to allow overdrafts for all going forward and explained that he will receive a system generated confirmation letter -Provided PRU contact info
Telephone call to/from customer:*Customer advised, he can't be sure his credit was affected by this transaction.*Advised, we cannot refund the requested $25.00 because the transaction detail provided by the customer shows a credit and a debit. *Advised, since fees have been reimbursed, there is no credit repair necessary, there is nothing more we can offer.*Apologized for any inconvenience this may have caused him. His $130.00 fee has already been refunded to his account.
I feel the phone call from them was a complete bull crap of a call. It was not worth my time and it was just a lot of hot air being blown about we are sorry and it’s understandable that you where upset and blah blah blah. Regards,
[redacted]
Thank you for contacting The Huntington National Bank ("Huntington"). We are writing in response to the complaint you forwarded to us regarding [redacted], which we received on March 3, 2017, for review.Please accept this correspondence as our confirmation that we have completed a thorough review of this matter and have contacted [redacted] directly in order to provide our response. If you have any questions, or need further assistance, you’re welcome to contact us at your first convenience. Sincerely, The Customer Advocacy Team Huntington National Bank
Dear Ms. [redacted]
I’m writing in response to your complaint filed with the Revdex.com regarding your Huntington Installment loan account number ending in [redacted].
Please know that we have completed a thorough review of this matter. Through our research we have found the following...
information:
When you opened this loan on February 15, 2013, Huntington sent you a loan payment booklet. Huntington does not have a record of a request from you to receive monthly billing statements. If you would like to begin receiving a monthly billing statement, please contact our Phone Bank customer service at ###-###-####.
Our records show that you have been making your payments to this loan by mailing a check with a payment coupon or by calling our Phone Bank customer service and completing a Speed Payment through our Voice Response Unit (“VRU”).
We have enclosed a loan payment history showing the dates of the payments that you have made to this account and how they were made. We also have enclosed examples of payments you have made using the payment coupons.
Customer Contact:
Ms. [redacted] when you contact our Phone Bank customer service or visit a banking office to discuss your account, a record of this call or visit is noted on your account profile. Our records only show one customer contact from you. A phone call to our Phone Bank on July 31, 2013.
Our records show that our Customer Assistance Team (Collections) has attempted to contact you at ###-###-#### when your account has been past due to discuss your repayment options. This includes attempts to contact you in June 2014 and August 2015, but we have been unsuccessful.
Pass-A-Payment:
The Huntington has a Pass-A-Payment option that allows our customers to defer a loan payment.
The rules to this loan payment deferral are listed in the front of your payment booklet that was sent to you when you opened this loan.
Under “Here’s How To Pass-A-Payment® and Make it Up Later” it states:
The following rules apply to Pass-A-Payment:
· You may be eligible to use a Pass-A-Payment request any time after you have made 12 months of timely and full loan payments within a 12 month period.
· There may be a deferral fee to process your request. The amount of the fee is shown on the Pass-A-Payment request. You are not required to send the fee with the Pass-A-Payment request. If you do not send the fee with the request, we will deduct the fee from your next monthly payment(s).
· In addition to a deferral fee, you will also be required to pay additional finance charges. Interest will continue to accrue on the unpaid principal balance.
· Your Pass-A-Pay request must be received by Huntington on or before the due date of the payment you wish to defer.
· All Pass-A-Payment requests are subject to Huntington approval.
Please note if Huntington receives a Pass-A-Payment request that cannot be processed due to the rules stated above, a letter is sent to the customer informing them that we cannot grant the loan extension. Huntington does not have a record of a Pass-A-Payment request on this account.
Credit Reporting:
In September 2015, Huntington received a request from Transunion and Experian (National Credit Reporting Agencies) asking us to provide an account verification. Huntington responded to these agencies stating that the account is open with two 30 day delinquencies (June 2014 and August 2015).
Providing customers with an excellent Huntington experience is our goal. Please understand that Huntington has a legal obligation to provide fair and accurate account information, in accordance with the Fair Credit Reporting Act (“FCRA”). No adjustments will be made to your account unless they are caused by a Huntington error.
If I may be of further assistance to you, please feel free to contact me directly at ###-###-####7 or toll free at ###-###-####, ask for extension [redacted]. We appreciate your business and the opportunity to respond to your concerns.
Sincerely,
Bob A[redacted]
[redacted]
10.6.16 Business called Revdex.com requesting additional time to respond to complaint.
it wasn't my fault that the check didn't clear and now I have to pay all that back and I have low income. My dad past away 2 years ago and the check came from a life insurance agency. It wasn't my fault at all and I shouldn't have to pay all that back
Regards,
[redacted]
Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding [redacted] which we received on March 6, 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
Case closed with a telephone call to the customer: *Confirmed that a mobile deposit was made to the account on 4/15/16 for $1,996.00. *Confirmed the check was returned on 4/18/16 as a returned deposit item, a returned deposit item fee of $10.00 was also assessed on 4/18/16. *Confirmed the customer...
closed her account ending in 2611 on 4/18/16 and a new account was opened ending in [redacted]Confirmed that after a complete investigation, the customer’s relationship was closed by the Huntington fraud department on 4/26/16. *Confirmed that a final statement will be mailed to the customer’s address on file. *Apologized for any inconveniences that the customer may have experienced. *Provided the PRU’s contact information for any future concerns.
We are still in the process of researching this customer’s issue and we will be responding shortly. Please extend. Thank you.
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]
I did receive in the mail , letter stating that loan was paid in full and sent to the Jefferson county clerks and I went to the Jefferson county clerks office to have the lein removed from title. That part was done but no one from Hunington contacted me personally and that's ok. And today 11/29/17 they sent me a fax stating the loan was paid in full and that fax was requested over a week ago. This is one bank I will never do business with again. As far as I am concerned this file can be closed... Thank You Revdex.com for your fast response I truly Appreciate it.
the bank is not trying to help me at all and now my accounts are a mess with changes allowed to go through that never should have been. I am ow very overdrawn on all accounts and have many fees and I don't even bank here anymore.
Regards,
[redacted]
if I call the 800 number provided the customer service department cannot transfer me to the provided extension. Is there another way to contact speak with the person at the bank? I.e. a different phone number?
Regards,
[redacted]
Dear
Ms. [redacted]:
I’m
writing in response to your email addressed to [redacted], [redacted] for Huntington National Bank
(“Huntington’), and your complaint that was filed with the RevDex.com (“Revdex.com”) regarding your checking...
account ending in [redacted]. Ms. [redacted] has asked that I respond on her
behalf. As a courtesy, we have refunded
3 of the 5 Overdraft fees of $37.50 that posted to your checking account on May
27, 2015, and May 28, 2015, for a total refund of $112.50.
Please know that posting order is a very complex
process, involving many hundreds of types of transactions. Generally, however,
on any given business day, we post deposits and credits first, followed by
various categories of withdrawals, payments, transfers and other debits, with
fees and interest (if any) posted at the end. Within the various categories of
debits:
·
We post
certain electronic transactions that have a valid date/time stamp authorization
in chronological order, such as most debit card purchases and ATM withdrawals
and transfers.
·
We post
most checks in check number order, with exceptions for certain checks that we
are not able to return.
·
We post
other items, entries and transactions in low-to-high order based on amount
within their specific categories.
If there are not enough available
funds in your account to cover all transactions to be paid or debited from your
account on a given day, the posting order we establish will determine which
ones we are able to pay or debit from available funds. The posting order can
affect which transactions overdraw your account or are returned/denied, as well
as the amount of related Overdraft Fees and Return Fees we charge you.
We
confirmed that your overdraft election for the Overdraft Service was “opted-in”
for Debit Card, ATM, checks and ACH items on July 16, 2013. This election
allows Huntington to pay items for you into the negative, and provides you with
an extra day to make a deposit in order to avoid fees. Please understand, the
24 Hour Grace® service is discretionary and can be updated by
contacting our Customer Service Center or your local banking office.
Please
note the following information about 24 Hour Grace®:
When
you overdraw your checking account, 24 Hour Grace® gives you until
the financial cut-off time on the next business day to make a deposit to cover
the overdraft amount, plus any current amounts that must be paid. You
need to deposit enough to bring your account balance to at least
(-$4.99). Of course, if you can get your balance out of the negative,
please do. But we give you a $4.99 cushion in case you can’t quite make it all
the way.
Example: If the account is overdrawn by $100,
and a transaction for $100 will post to your account on the same day, a $196.00
deposit must be made by the cut-off time.
A deposit
to correct the overdraft (as described above) must be made by the applicable
financial cut-off time on the next business day. Financial cut-off times vary
based on how/where you make the deposit.
Each
branch has a local cut-off time posted.
ATM,
Online Banking or Telephone Banking transfer - Before 11:59 p.m.
For
more information and examples regarding 24-Hour Grace® please visit
our website at [redacted]
Please see the
following details for your account:
A review of your
account activity on May 26, 2015, shows a beginning balance of $540.44.
On May 27, 2015, four
Overdraft Fees of $37.50 posted to your checking account, for a total of
$150.00. Please note that Huntington charges a maximum of four Overdraft Fees
and four Returned Item Fees per day.
A review of your
account activity on May 27, 2015, shows a beginning balance of (-$233.09).
On May 28, 2015, one
Overdraft Fee of $37.50 posted to your checking account.
We
have confirmed that we have issued multiple courtesy refunds for Overdraft Fees
to your checking account, including $62.50 on April 9, 2015, $150.00 on April
20, 2015, $100.00 on April 23, 2015, and $112.50 on June 1, 2015. Please know that no further courtesy refunds
will be given for this issue.
Please
note, Huntington offers e-mail and text which can give you more immediate
information about your accounts, including balances and 24 Hour Grace® notices.
If you’re interested in e-mail alerts or establishing a device for your text
alerts, please contact our Customer Service Center at ###-###-#### or visit
our website at Huntington.com.
Currently
your account has a balance owing of -$401.61. Please be aware that if your account remains in a negative status as
it has been that there may be ramifications such as account closure, negative
reporting to Chex Systems and also further collections efforts through third
party collection agencies retained by the Huntington National Bank. You
may contact our Customer Assistance Team at ###-###-#### to discuss possible
repayment options or make a deposit at your local banking office.
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,
[redacted]
[redacted]
Customer
Advocacy Response Team
[redacted] February 7, 2017 [redacted] Re: Revdex.com Case [redacted] Huntington Case #: [redacted]
Dear [redacted]...
[redacted]: Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding Tracy M[redacted], which we received on February 2, 2017 for review. Please accept this correspondence as our confirmation that we have completed a thorough review of this matter and have contacted Tracy M[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]
*
I reviewed the response made by the business and find the resolution is satisfactory to me.
Closed case with contact with customer:-Apologized for any inconvenience-Confirmed wire transfer was reversed and funds sent back to the originator via wire transfer-Refunded both incoming and outgoing wire transfer fee as courtesy-Closed checking account at zero balance and confirmed both...
checking and savings accounts are now closed-Provided PRU contact info
Dear
Mr. [redacted]:
I’m
writing in response to your complaint filed with the Revdex.com
regarding your Huntington installment loan account number ending in [redacted]. We
have attempted to reach you by phone to follow up on your concern, but have
been...
unsuccessful.
Please
know that we have completed a thorough review of this matter. Through our
research we found the following information:
According
to the information on file, on June 2, 2010 you purchased a vehicle at [redacted] (DBA [redacted]. During that
transaction, you opted to apply for financing, and were subsequently approved
for a loan from Huntington National Bank.
For your records, we have enclosed a copy of
your Huntington Personal Loan Agreement.
All of the information about the terms of the contract was provided to
you at the time of the purchase. By signing the loan agreement form which
explained the terms of the loan, we accepted it as your acknowledgement that
you reviewed the terms of the contract and agreed with them. The contract
included the following sections regarding a Prepayment Penalty and a Vendor’s
Single Interest (“VSI”) fee.
Vendor’s Single Interest:
Listed on the front of the enclosed Personal
Loan Agreement under the “Itemization of Amount Financed” section, Number 2, it
states: “To Insurance Co. for Vendor’s Single Interest insurance”. This $40.00
fee is to help protect the Huntington’s security interest in the vehicle in the
event of customer default.
Examples of what this insurance will cover
are:
• For when a buyer fails to
make payments.
• Protection from physical
damage to a repossessed vehicle.
Please note that you can find more information
regarding the Vendor’s Single Interest insurance on the back of your Personal
Loan Agreement under “Property and Vendor’s single Interest Insurance”.
Prepayment Penalty:
On the back of the enclosed Personal Loan
Agreement under “Early Payment” it states:
“In
return for the interest rate provided in this agreement, you agree to pay a
prepayment charge if this loan is paid off prior to the final scheduled
due date.
The
prepayment charge is the greater of $125 or 1.25% of the outstanding principal
balance
at the time of payoff. However, there is no prepayment charge if we
receive
the final payoff of this loan after the payment due date that is 6
payments
less than the total number of payments due on the loan. For
example, in a loan with 48 monthly payments, there is no prepayment
charge if
we
receive the final payoff of your loan after the due date of the 42nd
payment”.
The
scheduled maturity date for this loan is June 17, 2016. In order to avoid
paying a prepayment fee, you must make a full monthly payment of $445.88 every
month until December 17, 2015. Please note that as the principal balance is
reduced on this loan, the prepayment fee amount is also reduced.
Mr.
[redacted], our records show that this account was paid in full on August 12,
2015. As a courtesy we have waived the $125.00 Prepayment Penalty. You will
receive the $125.00 refund within 7 to 10 business days.
Regarding
your comments about the service received from our Phone bank Customer Service.
Our records show that you called our Phone Bank on August 4, 2015 and again on
August 12, 2015. We have contacted the appropriate level of Huntington
management for a review of the recorded telephone conversations, for possible coaching
opportunities.
We
sincerely regret any confusion regarding this situation. If you have additional
questions regarding your Huntington loan, please feel free to contact me
directly at ###-###-####. We appreciate your business and the opportunity to
address your concerns.
Sincerely,
Bob A[redacted]
[redacted]
Dear [redacted]:I am writing in response to your complaint that was posted to the Revdex.com's website inregards to your concerns about your checking account ending in [redacted] that was opened on April 16,201 5.Huntington received this matter for review on April 24, 2015.We apologize for any...
inconvenience that you may have experienced. Per the Bonus Addendum that wasprovided when the promo code was accepted, you received the $150.00 bonus on April 20, 2015, foropening your new checking account on April 16,2015. The Bonus Addendum also states that an EarlyAccount Closing Fee will apply to accounts closed within 100 days of opening. We have enclosed a copyof the Bonus Addendum for your records.Per our conversation, on May I, 2015, you stated that you wished to have the account closed. On May 5.201 5, we closed your checking account ending in [redacted], and applied the $1.06 account balance to the$25.00 Early Account Closing Fee, as you requested. As a courtesy, we waived the remaining $23.94 ofthe Early Account Closing Fee. Your account is now closed at a $0.00 balance.We regret that our service did not meet the standards that you and Huntington expect to be offered to ourcustomers. Please know that I have discussed your comments with the appropriate level of management.While we are sincerely dismayed to learn of your experience, we thank you for making us aware of thedetails.[redacted], if you have any additional questions or concerns, please feel free to contact me at ###-###-#### or ###-###-####, extension [redacted]Sincerely,[redacted]Customer Advocacy Response Team