Called customer and provided the following information:*Advised customer that security investigations is requiring a police report in order to complete their investigation.*Advised customer that someone from security investigations will reach out to him on Monday 8/29.*Provided customer with...
contact information for the PRU.*Apologized to customer for any misunderstanding concerning this matter.
[redacted]
*
[redacted]
[redacted]
* Dear [redacted]: Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the...
complaint you forwarded to us regarding [redacted], which we received on January 13, 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 February 2, 2018 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 March 7, 2017 for review. Please accept this correspondence as our confirmation that we have completed a thorough review of this matter and have contacted Karen Smith 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
We totally
disagree with Huntington National Bank’s response to our complaint and feel
that the Bank is trying to again evade responsibility for failing to honor its
commitment to meet the closing date (5/26/2015) as was promised by its multiple
letters that we have already forwarded to Revdex.com. The Bank did not respond to our
complaints of delaying the matter as outlined in items 3, 4, 5, and 6 in our
previous letter to Revdex.com. We assume that the Bank’s silence in this matter is an
indication of its culpability in its deliberate delay tactics to increase the
mortgage rate.
Regarding
the discovery of a mold remover can, we explained to the Bank for the hundredth
time that after the remediation of the mold, the owner kept one can in the
basement for future use if necessary. There is nothing wrong in that. The
mortgage officer, Mr. A[redacted], tried to make a mountain out of a mole-hill with
this issue. In fact, he assured us that he would personally visit the mold
inspector (who had declared the house to be mold free) in [redacted] and
resolve the matter as soon as possible; however, Mr. A[redacted] never visited the
mold inspector.
As for the
unsafe driveway, this is in our own handwriting to decrease $2000 from the
selling price of the house, which the seller did in the purchase agreement and which was enclosed with our previous letter to Revdex.com.
However, the home inspector who had inspected the driveway never considered it
to be unsafe. In his report, which we showed to Huntington Bank & subsequently have forwarded a copy to Revdex.com, he mentioned
that the driveway had only a few cracks in it – that’s all. We have enclosed a
copy of the addendum with this email. We would request that you specifically
look at the date of the addendum, which is 4/6/2015. Why did Mr. A[redacted] take so
much time to raise the driveway issue? He raised the issue only a day before
the closing date (5/26/2015). We believe he raised the issue at such a late
stage to deliberately miss the closing date in order to increase the mortgage
interest rate. It is equally important to note that Mr. A[redacted] made an
appointment with the listing agent of the house with a bank appointed inspector
to inspect the driveway. Although the listing agent waited for a long time in
our property, neither the inspector nor Mr. A[redacted] showed up.
In its
response, the Bank cites the requirements of the investor, Fannie Mae, which
remains an obscure entity to us. Mr. A[redacted] has said that U.S. Government’s
regulation against exposure to the borrower is limited. We would ask the Bank
to expose those apparently fear generating letters intended for borrowers from
Fannie Mae to a Revdex.com representative who is handling this dispute.
We are senior
citizens and would prefer not to drag out this issue for a long time. If the
Bank fails to submit the Fannie Mae letters to Revdex.com, fails to give a better
response to items 1 and 2 in our previous letter, and does not respond to items
3, 4, 5, and 6 from that letter, we will hold the Bank responsible for the
delay and seek compensation for causing us enormous mental torture (fear of
losing our earnest deposit & becoming temporarily homeless) and subjecting us
to a great deal of inconvenience and harassment. We would also request Revdex.com to
publish our complaints in its website & record same so that future
borrowers are warned and think twice before borrowing money from Huntington National
Bank.Regards, [redacted]
[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’m writing
in response to your complaint filed with the Revdex.com (“Revdex.com”) and
the Consumer Financial Protection Bureau (“CFPB”), regarding disputed
transactions that posted to your checking account held with Huntington National
Bank...
(“Huntington”). Huntington received
this matter for review on June 23, 2015.
We apologize
for any inconvenience you may have experienced due to the dispute process
timeframe. For your dispute case # [redacted], we confirmed there were two items claimed as fraudulent in the amount of $143.28 each, or $286.56 in
total. These items posted to your checking account on June 22, 2015 and
Huntington completed its investigation on June 24, 2015. A final credit of $286.56 was issued to your
checking account ending in [redacted], Huntington also refunded 3 Overdraft Fees of
$37.50 each, and 2 Foreign Transactions Fees of $4.30 each, for a total refund
of $407.66.
We have
verified that your debit card ending in [redacted] was closed on June 24, 2015, and
your new debit card ending in [redacted] was mailed to your address on June 20,
2015. As of June 29, 2015, your new
debit card has not been activated. If
you have not received the debit card in the mail, please contact Huntington customer
service at ###-###-#### so we may verify your mailing address, close the card
and have a new card issued.
If you have any
additional questions or concerns please feel free to contact me directly at
###-###-#### or ###-###-####.
Sincerely,
[redacted]
[redacted]
The
Huntington National Bank
Case closed with call to customer:
-Apologized for any inconvenience
-Explained the level of service for ACH dispute cases is 10 days.
-Explained that the original case #[redacted]-11Feb16 was submitted on 2/10/16 for the $5000.00 ACH transaction that posted to the customer’s checking account on...
2/10/16. The case was submitted to the incorrect department and case [redacted]-18Feb16 was submitted on 2/18/16 to the ACH department on 2/18/16.
-Informed the customer that $5000 final credit was issued to his checking account on 2/19/16 along with the $23.00 returned item fee that was charged to the customer’s checking account on 2/18/16
-Provided the customer with the PRU contact information if the customer has further questions or concerns
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
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 May 25,...
2017 and May 31, 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 writing 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
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]Dear [redacted]:I'm writing in response to your...
complaint filed with the Consumer Financial Protection Bureau("CFPB"), the Revdex.com ("Revdex.com") and to follow up to your recent call to ourHuntington Customer Service Center regarding a promotional offer for opening a new checkingaccount.I have reviewed your concerns and found that you initially opened your account through ourHuntington website on April 27, 2015. In your complaint you state that you received apromotional offer in the mail offering $200.00 if you opened a checking account and set updirect deposit, and that the Branch Employee was unable to locate this promotional code for youWe were unable to find an online promotional offer in the amount of $150.00 during the time ofthe opening process of your account, which resulted in no promotional codes being claimed toyour account. After further review of this matter, we determined that a promotional code waspreviously mailed to you in the amount of $200.00. Per the bonus addendum, the requirementsfor this promotion included the following:To receive the $200.00 promotional offer the following must have been completed;-Open a new, qualifying Huntington 5 Checking Account, Huntington 25 CheckingAccount, or PCA Checking Account during the promotional period that falls betweenJuly 20 and November 24,2015.-Make at least $1000 in "New Money" deposits within 60 (sixty) days of your accountopening. Deposit must be "new money" to Huntington.According to our records, you met the second requirement of at least $1,000 in deposits withinthe first 60 days of opening the account, but you did not open the qualifying checking account.We found that you opened a Huntington Asterisk Free Checking Account instead of aHuntington 5 Checking Account, Huntington 25 Checking Account, or a Huntington PCAChecking Account,As a courtesy, we provided you the promotional offer as you met the deposit requirement. Thepromotional offer was deposited to your account ending in 5279 on October 27, 2015, in theamount of $200.00. I have enclosed a copy of the bonus addendum for you to review and keepfor your records.I sincerely apologize for any inconvenience or delay you experienced during this process.Providing you with an excellent Huntington experience is our goal. Please know that thecomments you provided have been heard and fowarded to appropriate level of management soany necessary enhancements can be made.If you have further comments or questions, you're welcome to call me directly at ###-###-####or at ###-###-####, extension [redacted], and I'll be happy to assist you.Sincerely,Adrianne P[redacted]Customer Advocacy Team[redacted]
[redacted]
[redacted]
[redacted]
I am not necessarily rejecting the response, but feel the response could have had more meat to it. I just spoke with a representative yesterday whom responded, and this response was posted immediately thereafter, while the substance of our conversation was more detailed than this "promise" to investigate. Thanks. Hoping for a better response.
Regards, [redacted]
Dear Mrs. [redacted] I’m writing in response to your correspondence addressed to the Revdex.com (“Revdex.com”) regarding your installment loan account numbers ending in [redacted] and [redacted] with The Huntington National Bank (“Huntington”).Please note the following information and the...
following timeline of events::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 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. Installment Loan Account ending in [redacted]The collateral for this loan was a 2012 Volkswagen Beetle. · On October 17, 2013, when Huntington received your request for a Pass-A-Payment, this account was 53 days past due (due for the September 25, 2013 payment). Your request for a Pass-a-Payment was denied.· On November 25, 2013, Huntington received a $380.12 payment. This was applied to the September 25, 2013 owed payment (After this payment was applied, this account was 61 days past due).· On December 31, 2013, Huntington began the repossession process. As of this date, this account was 97 days past due.· On January 8, 2014, Huntington received a $380.00 payment. This was applied to the October 25, 2013 owed payment (After this payment was applied, this account was 75 days past due).· On January 21, 2014, Huntington repossessed the 2012 Volkswagen Beetle.Please note that during this timeline, Huntington was attempting to contact you by phone and has sent collection notices to your address. Since you were unresponsive to discussing a payment plan, we exercised our right to repossess the collateral of the loan.· On January 21, 2014, you contacted our Auto Asset recovery department to discuss your options to recover the 2012 Volkswagen Beetle.Ø Huntington quoted $758.53 for the November and December owed payments, $325.00 repossession fee for a total of $1,083.53. You were informed that this quote was good through January 24, 2014.Ø Huntington would need proof of automobile insurance.· Huntington released the vehicle to you on January 21, 2014 after we received the proof of insurance and a $1,083.53 payment.Ø Huntington applied $758.53 to the November and December owed payments.Ø Huntington inadvertently applied the $325.00 repossession fee to the loan. This payment was reversed and paid to the repossession agency on February 21, 2014.· On September 25, 2014, Huntington began the repossession process. At this time, this loan was due for the June 25, 2014 payment (92 days past due). Installment Loan Account ending in [redacted]The collateral for this loan was a 2012 Mazda3.. · On October 17, 2013, when Huntington received your request for a Pass-A-Payment, this account was 53 days past due (due for the September 26, 2013 payment). Your request for a Pass-a-Payment was denied.· On November 25, 2013, Huntington received a $241.88 payment. This was applied to the September 26, 2013 owed payment (After this payment was applied, this account was 59 days past due).· On December 31, 2013, Huntington began the repossession process. As of this date, this account was 96 days past due.· On January 8, 2014, Huntington received a $241.00 payment. This was applied to the October 26, 2013 owed payment (After this payment was applied, this account was 74 days past due).· On January 21, 2014, Huntington repossessed the 2012 Mazda3.· On January 21, 2014, you contacted our Auto Asset recovery department to discuss your options to recover the 2012 Mazda3.Ø Huntington quoted $481.61 for the November and December owed payments, $325.00 repossession fee for a total of $806.61. You were informed that this quote was good through January 25, 2014.Ø Huntington would need proof of automobile insurance.· Huntington released the vehicle to you on January 21, 2014 after we received the proof of insurance and a $806.61 payment.Ø Huntington applied $481.61 to the November and December owed payments.Ø Huntington inadvertently applied the $325.00 repossession fee to the loan. This payment was reversed and paid to the repossession agency on February 18, 2014.Please note the following information regarding the claims made in your complaint:“Our car should not have been taken” / “we asked if our other car would be repossessed”.Please note that Huntington does not show a record of a conversation stating that the vehicle should not have been repossessed or a conversation stating that Huntington would not repossess your other vehicle (2012 Mazda3). “Huntington took the March payment to pay the repossession fees”:As stated above, Huntington mis-applied the repossession fee to your loans. These fees were removed from your accounts and were paid to the repossession agency. Huntington received the March payments for both accounts on May 1, 2014.“Not releasing information”:Our records show that you were inquiring about the name of the vendor that Huntington uses to repossess your vehicles. Huntington canceled the investigation because we are not required to let you know who we have contracted to recover our property.“Huntington lost payments”:If you feel that Huntington has not applied the payments to your installment loan correctly, please contact me directly at ###-###-####. We would be happy to review your payment history and payment receipts with you and make any necessary adjustments to your installment loan accounts. We have enclosed a copy of your loan payment histories for your review.Also, please note that on January 5, 2015, we received a $1,197.00 payment and on January 6, 2015 we received a $650.00 payment to the account number ending in [redacted]. Both of these payments were returned due to insufficient funds.“Conversation with Bob, Huntington Advocate”Our records show that on January 20, 2015, we spoke to the co-maker of these loans ([redacted]) to discuss his case filed with the Consumer Financial Protection Bureau (“CFPB”).In this telephone conversation we discussed the amounts needed in order to stop the repossession of the vehicles and provided the contact information for our Customer Assistance Team’s to discuss payment arrangements. [redacted] stated that he was not sure when he could make another payment to either loan.Please note, at no time did we agree to reverse or refund repossession fees charged from the first repossession.“Charged Off Loans”Since Huntington could not obtain a payment arrangement with you, Huntington charged off the account ending in [redacted] on December 29, 2014 and charged off account number ending in [redacted] on January 28, 2015.Please note, when an account is charged off, the full amount is due and we will continue to recover our collateral for the loan. Huntington will only accept payments to a charged off account when a payment agreement is made.Our records show that on January 5, 2015, you attempted to make a $1,197.00 payment to the charged off account number ending in [redacted]. Since a payment arrangement was not made, we applied the funds to your loan account number ending in [redacted] (which was past due and not charged off at the time this payment was received). On January 12, 2015, Huntington was notified that the $1,197.00 payment was returned due to insufficient funds. Huntington does not have a record of a conversation stating that you can reinstate the loans by making payments.“Trading In the Vehicles”Our records show that on June 17, 2015, Huntington forwarded payoff quotes to a dealership (dealership name was not noted). Please note that you are welcome to trade these vehicles in, however the liens on these vehicles will not be released until the accounts are paid in full.“Payment allocation / fees”Your account is a simple interest installment loan. Simple interest loans are processed as follows:· To determine the amount of interest that will be deducted from your next payment, the following mathematical formula is used:Interest Owed = Principal Balance x Interest Rate ÷ Number of days in the current year x Number of days since the last posted payment.· The interest owed is deducted from your payment first. Then any late fees owed are deducted. The remaining amount is applied to your principal balance. When the next payment is received, the same formula is used with the new principal balance. · Using the formula above, if a payment is made before the due date, less interest is charged for that payment, more funds are applied to the principal balance, and the account could be paid off earlier than the maturity date. If the payment is made after the due date, more interest is charged, and less is deducted from the principal balance; at the loan’s maturity date, more than the regular monthly payment may be due. To discuss this matter further, please contact Kim Nickens (Huntington Liquidation and Recovery Department) at ###-###-####. If you have any questions for the Customer Advocacy Response Team, please feel free to contact me at ###-###-####.Sincerely, Bob A[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 19, 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]:
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 2, 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, [redacted]: *Confirmed with [redacted] that he had concerns regarding a charge on [redacted]’s account which he is not a joint account signer. *Advised that we are unable to provide any account specific information regarding...
her account. *Reviewed Non-Huntington ATM charges with [redacted]. *Apologized for any inconveniences that the customer may have experienced. *Provided the PRU’s contact information for any future concerns.
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 25, 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
concerns addressed with the Revdex.com (“Revdex.com”) dated October 28,
2015, regarding your checking accounts ending in [redacted] and [redacted] held with
Huntington National Bank (“Huntington”).
Huntington received this...
complaint for review on October 28, 2015.
We
apologize for any inconvenience that you have experienced due to the $717.89
being debited from your checking account ending in [redacted] and being applied to
the negative balance owed for your checking account ending in [redacted] on October
27, 2015.
We have
reviewed your accounts and have verified that, on October 27, 2015, we
completed a right to set-off from your checking account ending in [redacted], as your
checking account ending in [redacted] had a negative balance owing of - $717.89.
A description of our right to set-off was given in the disclosures that
were provided to you at the time of account opening. Included in your disclosures is a paragraph
that states:
IF YOU OWE US MONEY:
If any of you owe us money which is due, whether
jointly with another or individually, you agree that, unless prohibited by law,
we may use the money in the account to pay the debt, regardless of the source
of the funds in the account. This is our right to set-off. We will not be liable for the dishonor of any
check when the dishonor occurs because we set-off a debt against this
account. You agree to hold us harmless
from any claim arising as a result of our exercise of our right of set-off. If you have a joint account, each of you also
agrees that you are responsible to pay any overdraft created on the account by
any of you.Please
know that, per the account disclosures that were provided at the time of
account opening, Huntington charges $3.00 per transaction conducted at non-Huntington
ATMs. This fee is charged to your
checking account once a month. The $3.00
NON-HUNTINGTON ATM CASH WITHDRAWAL FEE that posted to your checking account
ending in [redacted] on October 27, 2015, was for the non-Huntington cash withdrawal
on October 6, 2015. The $15.00
NON-HUNTINGTON ATM CASH WITHDRAWAL FEE that posted to your checking account
ending in [redacted] on October 27, 2015, was for the five non-Huntington cash
withdrawals on October 2, 5, 9, 14 and 16, 2015. We have enclosed copies of the checking
account statements for your convenience.
We
have verified that, as of November 2, 2015, the current balance of your
checking account ending in [redacted] is $1.00 and your checking account ending in
[redacted] currently is owing a balance of (-$21.81).
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,
John W[redacted]
a) This information provided by Huntington in this part of their response below is incorrect, in bold:"According to the information on file, on **March 13, 2015, you purchased a vehicle at [redacted]. During that transaction, you opted to apply for financing, and were subsequently approved for a loan from Huntington."**I purchased my vehicle on May 13, 2015 from [redacted] in [redacted]. To me, a pretty important fact to get wrong. Indicative of what follows. b) I am not questioning or complaining Huntington's right to have the vehicle they are financing be insured. I am questioning the process, and the collusion between Huntington National Bank and Huntington Insurance Center. 1) I do not challenge the mail correspondence, yet I do not understand why a) I never received one phone call on this matter prior to being auto enrolled or b) when we did provide proof of insurance on July 24th, (which I believe was left out of their summary), my insurance agent advised they spoke with Huntington and "it was all set". Huntington neglected to inform me or my insurance company that the policy was dated incorrectly. Later, they informed me it was inadequate ( more incorrect info). 2) Regardless of the lack of phone or email correspondence, again I do not challenge their right to have the vehicle insured. I had extenuating personal circumstances arise at time of vehicle purchase that left me traveling and unable to retrieve mail ( not Huntington's problem). I do challenge the obvious collusion, lack of communication and misinformation I have been provided. My allegation of collusion: a) My insurance policy from [redacted] ( attached), covers the vehicle for 6 months at a premium at $386.22. Huntington's "insurance" premium is $577 for the period of 5/13/2015- 7/24/2015, which is appx. 10 weeks. I am in process of providing the proof that I was actually insured by [redacted] on 5/13/15 and should have that to Huntington later today. Would like to know if Huntington will then drop their insurance; and refund me the premium? I will in turn drop the complaint.Lack of Communication and Misinformation: b) When I received letter stating payment amount would increase by $244.96 dated 8/18/2015 I called support on 8/23/2015 . They indicated they saw that I provided proof of insurance on 7/24/2015, but the insurance I provided did not include comprehensive collision, so I was enrolled in their insurance program. I requested to speak with a supervisor, and was asked to leave my phone number and someone would get back to me in 2-3 days. I declined. c) I called Monday 8/24/15 and spoke with support again. I was told [redacted]r handled the insurance issues and I could leave her a message. I did. [redacted] called me back promptly and said that they do have record of insurance being sent on 7/24/15 ( before their self imposed deadline); and that "there must have been a mix up in faxes, or their system and I would be refunded" the amounts. She said the online banking would be updated to reflect the original payment of $483 in 24 hours or so. I thanked her, and we hung up. At this point, I had planned on withdrawing my complaint as resolved- even though the policy Huntington signed me up for seemed to be 3 or 4 times market value and that did not seem right. When I logged on to the Huntington online bank system the next day to make my payment, the system still showed a balance due for August of $733.96. This included the $244.96 for their insurance policy. I called [redacted] back on 8/26 and left message that I wanted to make my payment of $483;due on 8/27 and the online system had not been updated as she stated it would be. I received a call back from Bob at Huntington to discuss the Revdex.com complaint; and the insurance due. He advised that the money owed was for the time period of 5/13- 7/24 and that would not be refunded as [redacted] stated. I expressed my extreme displeasure and dissatisfaction, very clearly and frankly. Especially about the lack of communication, and the pricing of the policy. I explained if they priced a competitive policy, I would pay and we could be done. Again, my complaint is not against Huntington for requiring insurance. It is their process, their miscommunication of information and finally, and most egregious is the amount of the policy. If they had signed me up for a commercially reasonable, market competitive policy; even one that was twice as expensive as my [redacted] policy- I would just pay that and move on. After the initial lack of communication, (other than postal mail), to enroll their customers in such an expensive policy, that they themselves sell under a different division; which may/may not in fact be in line with their terms and conditions- that is what I am challenging; and would like to warn other consumers about.
Regards,
[redacted]
I’m writing in response to your rejection to our previous response filed through the Revdex.com (“Revdex.com”) regarding your closed accounts with Huntington National Bank (“Huntington”). Huntington received this matter on June 30, 2015 for review.
The following accounts were...
closed by Huntington in keeping with our rights as outlined in the “Agreement and Disclosures of Account Terms and Rules and Regulations:”
Type of Account
Account Number
Amount Owed
Closure Date
Savings Account
[redacted]
$0.00
03/26/2015
Business Checking Account
[redacted]
-$112.81
03/27/2015
Checking Account
[redacted]
$0.00
06/19/2015
Checking Account
[redacted]
$0.00
06/23/2015
Savings Account
[redacted]
$0.00
06/23/2015
Savings Account
[redacted]
$0.00
06/23/2015
Savings Account
[redacted]
$0.00
06/23/2015
Checking Account
[redacted]
-$398.98
06/24/2015
Business Checking Account
[redacted]
$0.00
06/24/2015
Business Checking Account
[redacted]
$0.00
06/24/2015
As there are two closed accounts with a balance owing in the amount of -$112.81 and -$398.98, we ask that you please contact our Customer Assistance Team at 1-877-477-[redacted] to discuss possible repayment options or you’re welcome to make a deposit at your local banking office. For your convenience, I have included copies of your final statements for the accounts to review and keeps for your records.
I apologize for any inconvenience that you may have been caused during this process. If you have further questions, you’re welcome to call me directly at (614) 331-9**4 or toll free at 1-800-480-22**, extension 1-96**, and I’ll be happy to assist you.
Called customer and provided the following information:*Advised customer that security investigations is requiring a police report in order to complete their investigation.*Advised customer that someone from security investigations will reach out to him on Monday 8/29.*Provided customer with...
contact information for the PRU.*Apologized to customer for any misunderstanding concerning this matter.
[redacted]
*
[redacted]
[redacted]
* Dear [redacted]: Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the...
complaint you forwarded to us regarding [redacted], which we received on January 13, 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 February 2, 2018 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 March 7, 2017 for review. Please accept this correspondence as our confirmation that we have completed a thorough review of this matter and have contacted Karen Smith 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
We totally
disagree with Huntington National Bank’s response to our complaint and feel
that the Bank is trying to again evade responsibility for failing to honor its
commitment to meet the closing date (5/26/2015) as was promised by its multiple
letters that we have already forwarded to Revdex.com. The Bank did not respond to our
complaints of delaying the matter as outlined in items 3, 4, 5, and 6 in our
previous letter to Revdex.com. We assume that the Bank’s silence in this matter is an
indication of its culpability in its deliberate delay tactics to increase the
mortgage rate.
Regarding
the discovery of a mold remover can, we explained to the Bank for the hundredth
time that after the remediation of the mold, the owner kept one can in the
basement for future use if necessary. There is nothing wrong in that. The
mortgage officer, Mr. A[redacted], tried to make a mountain out of a mole-hill with
this issue. In fact, he assured us that he would personally visit the mold
inspector (who had declared the house to be mold free) in [redacted] and
resolve the matter as soon as possible; however, Mr. A[redacted] never visited the
mold inspector.
As for the
unsafe driveway, this is in our own handwriting to decrease $2000 from the
selling price of the house, which the seller did in the purchase agreement and which was enclosed with our previous letter to Revdex.com.
However, the home inspector who had inspected the driveway never considered it
to be unsafe. In his report, which we showed to Huntington Bank & subsequently have forwarded a copy to Revdex.com, he mentioned
that the driveway had only a few cracks in it – that’s all. We have enclosed a
copy of the addendum with this email. We would request that you specifically
look at the date of the addendum, which is 4/6/2015. Why did Mr. A[redacted] take so
much time to raise the driveway issue? He raised the issue only a day before
the closing date (5/26/2015). We believe he raised the issue at such a late
stage to deliberately miss the closing date in order to increase the mortgage
interest rate. It is equally important to note that Mr. A[redacted] made an
appointment with the listing agent of the house with a bank appointed inspector
to inspect the driveway. Although the listing agent waited for a long time in
our property, neither the inspector nor Mr. A[redacted] showed up.
In its
response, the Bank cites the requirements of the investor, Fannie Mae, which
remains an obscure entity to us. Mr. A[redacted] has said that U.S. Government’s
regulation against exposure to the borrower is limited. We would ask the Bank
to expose those apparently fear generating letters intended for borrowers from
Fannie Mae to a Revdex.com representative who is handling this dispute.
We are senior
citizens and would prefer not to drag out this issue for a long time. If the
Bank fails to submit the Fannie Mae letters to Revdex.com, fails to give a better
response to items 1 and 2 in our previous letter, and does not respond to items
3, 4, 5, and 6 from that letter, we will hold the Bank responsible for the
delay and seek compensation for causing us enormous mental torture (fear of
losing our earnest deposit & becoming temporarily homeless) and subjecting us
to a great deal of inconvenience and harassment. We would also request Revdex.com to
publish our complaints in its website & record same so that future
borrowers are warned and think twice before borrowing money from Huntington National
Bank.Regards, [redacted]
[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]
Dear
Ms. [redacted]
I’m writing
in response to your complaint filed with the Revdex.com (“Revdex.com”) and
the Consumer Financial Protection Bureau (“CFPB”), regarding disputed
transactions that posted to your checking account held with Huntington National
Bank...
(“Huntington”). Huntington received
this matter for review on June 23, 2015.
We apologize
for any inconvenience you may have experienced due to the dispute process
timeframe. For your dispute case # [redacted], we confirmed there were two items claimed as fraudulent in the amount of $143.28 each, or $286.56 in
total. These items posted to your checking account on June 22, 2015 and
Huntington completed its investigation on June 24, 2015. A final credit of $286.56 was issued to your
checking account ending in [redacted], Huntington also refunded 3 Overdraft Fees of
$37.50 each, and 2 Foreign Transactions Fees of $4.30 each, for a total refund
of $407.66.
We have
verified that your debit card ending in [redacted] was closed on June 24, 2015, and
your new debit card ending in [redacted] was mailed to your address on June 20,
2015. As of June 29, 2015, your new
debit card has not been activated. If
you have not received the debit card in the mail, please contact Huntington customer
service at ###-###-#### so we may verify your mailing address, close the card
and have a new card issued.
If you have any
additional questions or concerns please feel free to contact me directly at
###-###-#### or ###-###-####.
Sincerely,
[redacted]
[redacted]
The
Huntington National Bank
Case closed with call to customer:
-Apologized for any inconvenience
-Explained the level of service for ACH dispute cases is 10 days.
-Explained that the original case #[redacted]-11Feb16 was submitted on 2/10/16 for the $5000.00 ACH transaction that posted to the customer’s checking account on...
2/10/16. The case was submitted to the incorrect department and case [redacted]-18Feb16 was submitted on 2/18/16 to the ACH department on 2/18/16.
-Informed the customer that $5000 final credit was issued to his checking account on 2/19/16 along with the $23.00 returned item fee that was charged to the customer’s checking account on 2/18/16
-Provided the customer with the PRU contact information if the customer has further questions or concerns
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
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 May 25,...
2017 and May 31, 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 writing 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
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]Dear [redacted]:I'm writing in response to your...
complaint filed with the Consumer Financial Protection Bureau("CFPB"), the Revdex.com ("Revdex.com") and to follow up to your recent call to ourHuntington Customer Service Center regarding a promotional offer for opening a new checkingaccount.I have reviewed your concerns and found that you initially opened your account through ourHuntington website on April 27, 2015. In your complaint you state that you received apromotional offer in the mail offering $200.00 if you opened a checking account and set updirect deposit, and that the Branch Employee was unable to locate this promotional code for youWe were unable to find an online promotional offer in the amount of $150.00 during the time ofthe opening process of your account, which resulted in no promotional codes being claimed toyour account. After further review of this matter, we determined that a promotional code waspreviously mailed to you in the amount of $200.00. Per the bonus addendum, the requirementsfor this promotion included the following:To receive the $200.00 promotional offer the following must have been completed;-Open a new, qualifying Huntington 5 Checking Account, Huntington 25 CheckingAccount, or PCA Checking Account during the promotional period that falls betweenJuly 20 and November 24,2015.-Make at least $1000 in "New Money" deposits within 60 (sixty) days of your accountopening. Deposit must be "new money" to Huntington.According to our records, you met the second requirement of at least $1,000 in deposits withinthe first 60 days of opening the account, but you did not open the qualifying checking account.We found that you opened a Huntington Asterisk Free Checking Account instead of aHuntington 5 Checking Account, Huntington 25 Checking Account, or a Huntington PCAChecking Account,As a courtesy, we provided you the promotional offer as you met the deposit requirement. Thepromotional offer was deposited to your account ending in 5279 on October 27, 2015, in theamount of $200.00. I have enclosed a copy of the bonus addendum for you to review and keepfor your records.I sincerely apologize for any inconvenience or delay you experienced during this process.Providing you with an excellent Huntington experience is our goal. Please know that thecomments you provided have been heard and fowarded to appropriate level of management soany necessary enhancements can be made.If you have further comments or questions, you're welcome to call me directly at ###-###-####or at ###-###-####, extension [redacted], and I'll be happy to assist you.Sincerely,Adrianne P[redacted]Customer Advocacy Team[redacted]
[redacted]
[redacted]
[redacted]
I am not necessarily rejecting the response, but feel the response could have had more meat to it. I just spoke with a representative yesterday whom responded, and this response was posted immediately thereafter, while the substance of our conversation was more detailed than this "promise" to investigate. Thanks. Hoping for a better response.
Regards, [redacted]
Dear Mrs. [redacted] I’m writing in response to your correspondence addressed to the Revdex.com (“Revdex.com”) regarding your installment loan account numbers ending in [redacted] and [redacted] with The Huntington National Bank (“Huntington”).Please note the following information and the...
following timeline of events::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 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. Installment Loan Account ending in [redacted]The collateral for this loan was a 2012 Volkswagen Beetle. · On October 17, 2013, when Huntington received your request for a Pass-A-Payment, this account was 53 days past due (due for the September 25, 2013 payment). Your request for a Pass-a-Payment was denied.· On November 25, 2013, Huntington received a $380.12 payment. This was applied to the September 25, 2013 owed payment (After this payment was applied, this account was 61 days past due).· On December 31, 2013, Huntington began the repossession process. As of this date, this account was 97 days past due.· On January 8, 2014, Huntington received a $380.00 payment. This was applied to the October 25, 2013 owed payment (After this payment was applied, this account was 75 days past due).· On January 21, 2014, Huntington repossessed the 2012 Volkswagen Beetle.Please note that during this timeline, Huntington was attempting to contact you by phone and has sent collection notices to your address. Since you were unresponsive to discussing a payment plan, we exercised our right to repossess the collateral of the loan.· On January 21, 2014, you contacted our Auto Asset recovery department to discuss your options to recover the 2012 Volkswagen Beetle.Ø Huntington quoted $758.53 for the November and December owed payments, $325.00 repossession fee for a total of $1,083.53. You were informed that this quote was good through January 24, 2014.Ø Huntington would need proof of automobile insurance.· Huntington released the vehicle to you on January 21, 2014 after we received the proof of insurance and a $1,083.53 payment.Ø Huntington applied $758.53 to the November and December owed payments.Ø Huntington inadvertently applied the $325.00 repossession fee to the loan. This payment was reversed and paid to the repossession agency on February 21, 2014.· On September 25, 2014, Huntington began the repossession process. At this time, this loan was due for the June 25, 2014 payment (92 days past due). Installment Loan Account ending in [redacted]The collateral for this loan was a 2012 Mazda3.. · On October 17, 2013, when Huntington received your request for a Pass-A-Payment, this account was 53 days past due (due for the September 26, 2013 payment). Your request for a Pass-a-Payment was denied.· On November 25, 2013, Huntington received a $241.88 payment. This was applied to the September 26, 2013 owed payment (After this payment was applied, this account was 59 days past due).· On December 31, 2013, Huntington began the repossession process. As of this date, this account was 96 days past due.· On January 8, 2014, Huntington received a $241.00 payment. This was applied to the October 26, 2013 owed payment (After this payment was applied, this account was 74 days past due).· On January 21, 2014, Huntington repossessed the 2012 Mazda3.· On January 21, 2014, you contacted our Auto Asset recovery department to discuss your options to recover the 2012 Mazda3.Ø Huntington quoted $481.61 for the November and December owed payments, $325.00 repossession fee for a total of $806.61. You were informed that this quote was good through January 25, 2014.Ø Huntington would need proof of automobile insurance.· Huntington released the vehicle to you on January 21, 2014 after we received the proof of insurance and a $806.61 payment.Ø Huntington applied $481.61 to the November and December owed payments.Ø Huntington inadvertently applied the $325.00 repossession fee to the loan. This payment was reversed and paid to the repossession agency on February 18, 2014.Please note the following information regarding the claims made in your complaint:“Our car should not have been taken” / “we asked if our other car would be repossessed”.Please note that Huntington does not show a record of a conversation stating that the vehicle should not have been repossessed or a conversation stating that Huntington would not repossess your other vehicle (2012 Mazda3). “Huntington took the March payment to pay the repossession fees”:As stated above, Huntington mis-applied the repossession fee to your loans. These fees were removed from your accounts and were paid to the repossession agency. Huntington received the March payments for both accounts on May 1, 2014.“Not releasing information”:Our records show that you were inquiring about the name of the vendor that Huntington uses to repossess your vehicles. Huntington canceled the investigation because we are not required to let you know who we have contracted to recover our property.“Huntington lost payments”:If you feel that Huntington has not applied the payments to your installment loan correctly, please contact me directly at ###-###-####. We would be happy to review your payment history and payment receipts with you and make any necessary adjustments to your installment loan accounts. We have enclosed a copy of your loan payment histories for your review.Also, please note that on January 5, 2015, we received a $1,197.00 payment and on January 6, 2015 we received a $650.00 payment to the account number ending in [redacted]. Both of these payments were returned due to insufficient funds.“Conversation with Bob, Huntington Advocate”Our records show that on January 20, 2015, we spoke to the co-maker of these loans ([redacted]) to discuss his case filed with the Consumer Financial Protection Bureau (“CFPB”).In this telephone conversation we discussed the amounts needed in order to stop the repossession of the vehicles and provided the contact information for our Customer Assistance Team’s to discuss payment arrangements. [redacted] stated that he was not sure when he could make another payment to either loan.Please note, at no time did we agree to reverse or refund repossession fees charged from the first repossession.“Charged Off Loans”Since Huntington could not obtain a payment arrangement with you, Huntington charged off the account ending in [redacted] on December 29, 2014 and charged off account number ending in [redacted] on January 28, 2015.Please note, when an account is charged off, the full amount is due and we will continue to recover our collateral for the loan. Huntington will only accept payments to a charged off account when a payment agreement is made.Our records show that on January 5, 2015, you attempted to make a $1,197.00 payment to the charged off account number ending in [redacted]. Since a payment arrangement was not made, we applied the funds to your loan account number ending in [redacted] (which was past due and not charged off at the time this payment was received). On January 12, 2015, Huntington was notified that the $1,197.00 payment was returned due to insufficient funds. Huntington does not have a record of a conversation stating that you can reinstate the loans by making payments.“Trading In the Vehicles”Our records show that on June 17, 2015, Huntington forwarded payoff quotes to a dealership (dealership name was not noted). Please note that you are welcome to trade these vehicles in, however the liens on these vehicles will not be released until the accounts are paid in full.“Payment allocation / fees”Your account is a simple interest installment loan. Simple interest loans are processed as follows:· To determine the amount of interest that will be deducted from your next payment, the following mathematical formula is used:Interest Owed = Principal Balance x Interest Rate ÷ Number of days in the current year x Number of days since the last posted payment.· The interest owed is deducted from your payment first. Then any late fees owed are deducted. The remaining amount is applied to your principal balance. When the next payment is received, the same formula is used with the new principal balance. · Using the formula above, if a payment is made before the due date, less interest is charged for that payment, more funds are applied to the principal balance, and the account could be paid off earlier than the maturity date. If the payment is made after the due date, more interest is charged, and less is deducted from the principal balance; at the loan’s maturity date, more than the regular monthly payment may be due. To discuss this matter further, please contact Kim Nickens (Huntington Liquidation and Recovery Department) at ###-###-####. If you have any questions for the Customer Advocacy Response Team, please feel free to contact me at ###-###-####.Sincerely, Bob A[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 19, 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]:
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 2, 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, [redacted]: *Confirmed with [redacted] that he had concerns regarding a charge on [redacted]’s account which he is not a joint account signer. *Advised that we are unable to provide any account specific information regarding...
her account. *Reviewed Non-Huntington ATM charges with [redacted]. *Apologized for any inconveniences that the customer may have experienced. *Provided the PRU’s contact information for any future concerns.
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 25, 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
concerns addressed with the Revdex.com (“Revdex.com”) dated October 28,
2015, regarding your checking accounts ending in [redacted] and [redacted] held with
Huntington National Bank (“Huntington”).
Huntington received this...
complaint for review on October 28, 2015.
We
apologize for any inconvenience that you have experienced due to the $717.89
being debited from your checking account ending in [redacted] and being applied to
the negative balance owed for your checking account ending in [redacted] on October
27, 2015.
We have
reviewed your accounts and have verified that, on October 27, 2015, we
completed a right to set-off from your checking account ending in [redacted], as your
checking account ending in [redacted] had a negative balance owing of - $717.89.
A description of our right to set-off was given in the disclosures that
were provided to you at the time of account opening. Included in your disclosures is a paragraph
that states:
IF YOU OWE US MONEY:
If any of you owe us money which is due, whether
jointly with another or individually, you agree that, unless prohibited by law,
we may use the money in the account to pay the debt, regardless of the source
of the funds in the account. This is our right to set-off. We will not be liable for the dishonor of any
check when the dishonor occurs because we set-off a debt against this
account. You agree to hold us harmless
from any claim arising as a result of our exercise of our right of set-off. If you have a joint account, each of you also
agrees that you are responsible to pay any overdraft created on the account by
any of you.Please
know that, per the account disclosures that were provided at the time of
account opening, Huntington charges $3.00 per transaction conducted at non-Huntington
ATMs. This fee is charged to your
checking account once a month. The $3.00
NON-HUNTINGTON ATM CASH WITHDRAWAL FEE that posted to your checking account
ending in [redacted] on October 27, 2015, was for the non-Huntington cash withdrawal
on October 6, 2015. The $15.00
NON-HUNTINGTON ATM CASH WITHDRAWAL FEE that posted to your checking account
ending in [redacted] on October 27, 2015, was for the five non-Huntington cash
withdrawals on October 2, 5, 9, 14 and 16, 2015. We have enclosed copies of the checking
account statements for your convenience.
We
have verified that, as of November 2, 2015, the current balance of your
checking account ending in [redacted] is $1.00 and your checking account ending in
[redacted] currently is owing a balance of (-$21.81).
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,
John W[redacted]
a) This information provided by Huntington in this part of their response below is incorrect, in bold:"According to the information on file, on **March 13, 2015, you purchased a vehicle at [redacted]. During that transaction, you opted to apply for financing, and were subsequently approved for a loan from Huntington."**I purchased my vehicle on May 13, 2015 from [redacted] in [redacted]. To me, a pretty important fact to get wrong. Indicative of what follows. b) I am not questioning or complaining Huntington's right to have the vehicle they are financing be insured. I am questioning the process, and the collusion between Huntington National Bank and Huntington Insurance Center. 1) I do not challenge the mail correspondence, yet I do not understand why a) I never received one phone call on this matter prior to being auto enrolled or b) when we did provide proof of insurance on July 24th, (which I believe was left out of their summary), my insurance agent advised they spoke with Huntington and "it was all set". Huntington neglected to inform me or my insurance company that the policy was dated incorrectly. Later, they informed me it was inadequate ( more incorrect info). 2) Regardless of the lack of phone or email correspondence, again I do not challenge their right to have the vehicle insured. I had extenuating personal circumstances arise at time of vehicle purchase that left me traveling and unable to retrieve mail ( not Huntington's problem). I do challenge the obvious collusion, lack of communication and misinformation I have been provided. My allegation of collusion: a) My insurance policy from [redacted] ( attached), covers the vehicle for 6 months at a premium at $386.22. Huntington's "insurance" premium is $577 for the period of 5/13/2015- 7/24/2015, which is appx. 10 weeks. I am in process of providing the proof that I was actually insured by [redacted] on 5/13/15 and should have that to Huntington later today. Would like to know if Huntington will then drop their insurance; and refund me the premium? I will in turn drop the complaint.Lack of Communication and Misinformation: b) When I received letter stating payment amount would increase by $244.96 dated 8/18/2015 I called support on 8/23/2015 . They indicated they saw that I provided proof of insurance on 7/24/2015, but the insurance I provided did not include comprehensive collision, so I was enrolled in their insurance program. I requested to speak with a supervisor, and was asked to leave my phone number and someone would get back to me in 2-3 days. I declined. c) I called Monday 8/24/15 and spoke with support again. I was told [redacted]r handled the insurance issues and I could leave her a message. I did. [redacted] called me back promptly and said that they do have record of insurance being sent on 7/24/15 ( before their self imposed deadline); and that "there must have been a mix up in faxes, or their system and I would be refunded" the amounts. She said the online banking would be updated to reflect the original payment of $483 in 24 hours or so. I thanked her, and we hung up. At this point, I had planned on withdrawing my complaint as resolved- even though the policy Huntington signed me up for seemed to be 3 or 4 times market value and that did not seem right. When I logged on to the Huntington online bank system the next day to make my payment, the system still showed a balance due for August of $733.96. This included the $244.96 for their insurance policy. I called [redacted] back on 8/26 and left message that I wanted to make my payment of $483;due on 8/27 and the online system had not been updated as she stated it would be. I received a call back from Bob at Huntington to discuss the Revdex.com complaint; and the insurance due. He advised that the money owed was for the time period of 5/13- 7/24 and that would not be refunded as [redacted] stated. I expressed my extreme displeasure and dissatisfaction, very clearly and frankly. Especially about the lack of communication, and the pricing of the policy. I explained if they priced a competitive policy, I would pay and we could be done. Again, my complaint is not against Huntington for requiring insurance. It is their process, their miscommunication of information and finally, and most egregious is the amount of the policy. If they had signed me up for a commercially reasonable, market competitive policy; even one that was twice as expensive as my [redacted] policy- I would just pay that and move on. After the initial lack of communication, (other than postal mail), to enroll their customers in such an expensive policy, that they themselves sell under a different division; which may/may not in fact be in line with their terms and conditions- that is what I am challenging; and would like to warn other consumers about.
Regards,
[redacted]
I’m writing in response to your rejection to our previous response filed through the Revdex.com (“Revdex.com”) regarding your closed accounts with Huntington National Bank (“Huntington”). Huntington received this matter on June 30, 2015 for review.
The following accounts were...
closed by Huntington in keeping with our rights as outlined in the “Agreement and Disclosures of Account Terms and Rules and Regulations:”
Type of Account
Account Number
Amount Owed
Closure Date
Savings Account
[redacted]
$0.00
03/26/2015
Business Checking Account
[redacted]
-$112.81
03/27/2015
Checking Account
[redacted]
$0.00
06/19/2015
Checking Account
[redacted]
$0.00
06/23/2015
Savings Account
[redacted]
$0.00
06/23/2015
Savings Account
[redacted]
$0.00
06/23/2015
Savings Account
[redacted]
$0.00
06/23/2015
Checking Account
[redacted]
-$398.98
06/24/2015
Business Checking Account
[redacted]
$0.00
06/24/2015
Business Checking Account
[redacted]
$0.00
06/24/2015
As there are two closed accounts with a balance owing in the amount of -$112.81 and -$398.98, we ask that you please contact our Customer Assistance Team at 1-877-477-[redacted] to discuss possible repayment options or you’re welcome to make a deposit at your local banking office. For your convenience, I have included copies of your final statements for the accounts to review and keeps for your records.
I apologize for any inconvenience that you may have been caused during this process. If you have further questions, you’re welcome to call me directly at (614) 331-9**4 or toll free at 1-800-480-22**, extension 1-96**, and I’ll be happy to assist you.