Dear Ms. [redacted]:I’m writing in response to your correspondence addressed to the Revdex.com regarding your checking account number ending in 9398 with The Huntington National Bank (“Huntington”). Huntington received this matter on November 12, 2015 for review.Please note that on June 22, 2015, Huntington responded to this concern through the cases you filed with the Consumer Financial Protection Bureau (Case [redacted]) and with the Revdex.com (Case [redacted]). We have enclosed a copy of our response for your review.Huntington’s position has remained unchanged. Please contact our Default Services department at ###-###-#### to discuss a settlement and/or repayment arrangement. If you need further assistance you are welcome to call me directly 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 July 29, 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 overdraft fees charged to your Huntington checking account number ending in [redacted]. Huntington received this matter on March 21, 2016 for review. It was a pleasure talking with you on the...
telephone and this letter is a follow up to our conversation.
Please know that we have completed a thorough review of this matter. Through our research we were able to confirm that when you opened this account on February 5, 2007, you selected “Opt In” for all transactions for your overdraft election.
“Opt-In” for ATM & Debit card purchases.
This means that you have notified Huntington you would prefer us not to decline your point of sale transactions in which you swipe your debit card, or perform an ATM transaction. By making this selection, you agreed to allow us to pay items in which your debit card was used, that may overdraw your account, and will subject you to receiving overdraft fees if you do not make a timely and sufficient deposit to cover the overdraft amount.
“Opt-In” For ACH & Personal Checks transactions (Pre-Authorized Debits). Each time we get an item presented for payment that exceeds the account balance, we decide whether to return it or pay it. Our decision to return or pay the item is based on but not limited to the customer history, amount of the item, account balance and if you have had a past or present bankruptcy.
If you would like to change your overdraft election, please contact our Phone Bank customer service department at ###-###-####.
Please note the following timeline:
March 15, 2016:
Our Customer Assistance Team contacted you to discuss making a repayment arrangement for the $918.56 balance owed to your account. During this conversation you stated that your direct deposit would post on March 18, 2016. Our Customer Assistance Team agreed to refund two $37.50 overdraft fees after the deposit has posted to the account.
Also on March 15, 20016:
• Huntington paid your authorized electronic transfer (ACH) to [redacted] in the amount of $54.77.
• A $37.50 overdraft fee was assessed to your account because a deposit was not made to cure the overdraft from March 14, 2016, when Huntington paid an $84.00 authorized electronic transfer (ACH) to [redacted] Epay.
• Your account balance was -$1,010.83 at the end of the business day on March 15, 2016.
March 16, 2016:
Since a deposit was not made to cure the overdraft from March 15, 2016, a $37.50 overdraft fee was assessed to your account. Your account balance was -$1,048.33at the end of the business day on March 16, 2016.
March 17, 2016:
When three electronic transfer (ACH) items were presented to Huntington for payment, your account balance was -$1,048.33. Huntington returned these items unpaid. A copy of the “Notice of Insufficient Funds” notice is enclosed for your review.
March 18, 2016:
Huntington received a $1,601.88 direct deposit to this account and our Customer Assistance Team refunded the two $37.50 Overdraft Fees as a courtesy. This brought your account balance to $628.55.
Also on March 18, 2016:
• You completed a $200.00 payment to your Huntington Voice Credit Card.
• Three $37.50 Returned Item fees were assessed to your account for the three items that were presented to Huntington for payment on March 17, 2016 but were not paid.
Please remember that keeping an accurate check register is the best way to avoid overdraft fees. While our Voice Response Unit, Online Banking, Mobile Banking and Text Alerts are helpful tools, customers are ultimately responsible for being aware of their current account balances and items outstanding.
Because we appreciate your business, we have refunded $112.50 in overdraft fees as a customer courtesy. Huntington has now waived $227.50 in overdraft fees on this account since February 22, 2016. Since no Huntington error was found, no further refunds will be offered unless there was a bank error.
If I may be of further assistance to you, please feel free to contact me directly at ###-###-####7. We appreciate your business and the opportunity to respond to your concerns.
the information provided in the response in not all correct. I did have relationship accounts and the response written is looking like I was the one who was incorrect - like the 10.00 service charge on my one money market account. I was informed by Ms. [redacted] that it was supposed to be a total relationship of all my accounts together in which I did meet all their requirements of all the accounts to qualify for the Huntington25 and it was the error and misinformation given to me by the branch office in Fishers, Indiana. They did not set it up correctly or provide me accurate information at anytime and this is why they lost a valuable 20+ year customer.I appreciate Ms. [redacted]'s help with resolving one solution to my complaint and that I am satisfied with getting my interest that I was supposed to have earned. I am not going to approve the written response though.Regards,
[redacted]
Dear Mr. [redacted]:
We are writing in response to your Revdex.com (“Revdex.com”) complaint regarding Personal Credit Line (‘PCL”) checks for your PCL account ending in [redacted] with The Huntington National Bank (“Huntington”). We received this matter for review on August 10, 2015.
Please accept...
our sincere apologies for any inconvenience you may have experienced as a result of the described matter. While we are sincerely dismayed to learn of your experience, we thank you for making us aware of the details.
We have flagged your account to prevent the sending of promotional checks in the future to your address. Please know that you have been heard and your comments have been forwarded to management for review.
We very much appreciate your business and the opportunity to address your concerns. If you would like to discuss the matter further or have any additional questions or concerns, you’re welcome to contact me at ###-###-#### or ###-###-####, extension [redacted].
Sincerely,
Beth C[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]
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
Complaint: [redacted]. I do not fine satisfaction with the business response. The business only feels compensation would only be worn if I had a loss of wages fees. But does not consider the reward I would have received if I choose a different available options. Had I known I would wait 8 weeks for payment instead of 2 weeks there since I was force to wait I should receive 300 dollar reward instead of 200 dollars. That is all I am asking for. I could have qualify for a higher reward. Thanks for consideration of my complaint.
I am rejecting this response because:
Regards,
[redacted]
I’m writing in response to your complaint filed with the Revdex.com (“Revdex.com”) regarding returned item fees on your Huntington checking account. We apologize for inconvenience this matter may have caused you. We realize this is a problem for you but 24-Hour Grace® is...
a discretionary service that may not have been clearly explained to you.
We have confirmed that you are opted in to our overdraft service on November 13, 2013 which is referred to as 24-Hour Grace®. This service allows Huntington to pay item on your behalf into the negative and allows you an extra day to make a deposit. Please understand, our cut off time for you to bring your account positive can vary based on location and method of deposit.
Please note the following information about 24-Hour Grace® below:
· Checks or internet (ACH) transactions on your account: Each time we get a check presented for payment that exceeds the account balance, we decide whether to return it or pay it. Please note that our decision to return or pay the transaction is based on customer history, amount of the transaction, account balance and past or current bankruptcy.
· If a transaction is returned because there is not enough money in the account to cover it, the check amount is not deducted from the account, and no overdraft occurs. For example, a customer’s checking account balance is currently $50, and a check he wrote for $100 is presented to us for payment. If we return the check instead of paying it, his account balance stays at $50 and there is no account overdraft. Returned checks are subject to a fee.
· If we pay any transaction, the amount is deducted from the account, causing an overdraft. 24 Hour Grace® applies only when we pay the transaction and an overdraft occurs. In that case, the customer has the opportunity to correct the overdraft by depositing sufficient funds on the next business day, at which time we could waive the overdraft fee. In printed materials as well as our website description, it states that the 24 Hour Grace® services cannot be used to waive return fees.
Example: If we pay the item and the account is overdrawn by $100, and a transaction for $100 will post to your account on the same day, a $200 deposit must be made by the cut-off time. Your account must have a balance of zero or higher by the end of the business day.
A transaction is any of the following: cash withdrawals, debit card transaction, Electronic debit (ACH) or personal checks that are presented to Huntington.
According to our records, your automatic car payment was presented to us for payment in the amount of $301.20 on April 30, 2015. As the funds were not available at that time, a systematic decision was made to decline this item for payment to Capital One, which resulted in a returned item fee in the amount of $37.50 that posted to your account on May 1, 2015.
On May 6, 2015, Capital One attempted to collect upon this payment a second time. As the funds were unavailable at that time, a systematic decision was made to decline this item for payment which resulted in a second returned item fee in the amount of $37.50 that posted to your account on May 7, 2015.
As a courtesy, we have refunded $75.00 to your checking account ending in [redacted]. Please understand the 24-Hour Grace® is not a guarantee. 24-Hour Grace® is a service Huntington National Bank offers and does not provide you overdraft protection.
You may also visit our website at https://www.huntington.com/grace/ that will provide more information about 24-Hour Grace® and examples of transaction scenarios.
If you have any further questions, or concerns, you are welcome to contact me directly at ###-###-#### or ###-###-####, extension #####, and I would be happy to assist you.
Dear Mr. [redacted]We are writing in response to your recent complaint filed with the Revdex.com ("Revdex.com")availability of checks deposited to your checking account ending in [redacted]. Huntington received this matterfor review on January 11,2016.Upon reviewing your account, we confirmed the mobile...
deposit that you completed on January 8, 2016,for $2908.57.00, and January 11,2016 for $2908+57 each had a 5 day hold placed on the depositedamounts dejaying availability of your deposit according to our funds availability policy. These hold wereplaced as these checks were made payable to a person that was not listed as an account owner for theaccount to which they were deposited. We do apologize for any inconvenience but this was to ensure thatthe checks would not be returned by the bank on which the funds were drawn.We have confirmed that the funds were made available to your account on January 15,2016, andJanuary 19, 2016 (due to the January 48, 2016 being a holiday). We have also confirmed that no bankfees were charged to your checking account due to the delay in the availability of the funds.Again, we apologize for any inconvenience you may have experienced with respect to the availability offunds deposited into your account and provide the following details regarding our funds availability policy:According to the Huntington's Funds Availability Policy contained in the disclosures you receivedat account opening, funds from your check deposit will generally be available on the first businessday after the business day of each deposit, however Longer Delays may apply. We have alsoenclosed a copy of our Funds Availability Policy for your review. Please refer to the section inthe Funds Availability Policy titled "Longer delays may apply" for an explanation for longer delays,The length of time for the hold is determined by the routing number of the check. Holds can vary from 2to 5 days and extended holds from 7 to 10 days.If you have any additional questions or concerns, you're welcome to contact me at ###-###-#### or ###-###-####, extension [redacted]
February 13, 2017 [redacted]
[redacted]
[redacted] Re: [redacted]
[redacted]
* Dear Revdex.com/: [redacted] Thank you for contacting The Huntington National Bank (“Huntington”). We are...
writing in response to the complaint you forwarded to us regarding [redacted], which we received on February 7, 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, [redacted]
[redacted]
[redacted]
Dear Ms. [redacted]:I’m writing in response to your correspondence addressed to the Revdex.com regarding your checking account number ending in 9398 with The Huntington National Bank (“Huntington”). Huntington received this matter on November 12, 2015 for review.Please note that on June 22, 2015, Huntington responded to this concern through the cases you filed with the Consumer Financial Protection Bureau (Case [redacted]) and with the Revdex.com (Case [redacted]). We have enclosed a copy of our response for your review.Huntington’s position has remained unchanged. Please contact our Default Services department at ###-###-#### to discuss a settlement and/or repayment arrangement. If you need further assistance you are welcome to call me directly 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 July 29, 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 overdraft fees charged to your Huntington checking account number ending in [redacted]. Huntington received this matter on March 21, 2016 for review. It was a pleasure talking with you on the...
telephone and this letter is a follow up to our conversation.
Please know that we have completed a thorough review of this matter. Through our research we were able to confirm that when you opened this account on February 5, 2007, you selected “Opt In” for all transactions for your overdraft election.
“Opt-In” for ATM & Debit card purchases.
This means that you have notified Huntington you would prefer us not to decline your point of sale transactions in which you swipe your debit card, or perform an ATM transaction. By making this selection, you agreed to allow us to pay items in which your debit card was used, that may overdraw your account, and will subject you to receiving overdraft fees if you do not make a timely and sufficient deposit to cover the overdraft amount.
“Opt-In” For ACH & Personal Checks transactions (Pre-Authorized Debits). Each time we get an item presented for payment that exceeds the account balance, we decide whether to return it or pay it. Our decision to return or pay the item is based on but not limited to the customer history, amount of the item, account balance and if you have had a past or present bankruptcy.
If you would like to change your overdraft election, please contact our Phone Bank customer service department at ###-###-####.
Please note the following timeline:
March 15, 2016:
Our Customer Assistance Team contacted you to discuss making a repayment arrangement for the $918.56 balance owed to your account. During this conversation you stated that your direct deposit would post on March 18, 2016. Our Customer Assistance Team agreed to refund two $37.50 overdraft fees after the deposit has posted to the account.
Also on March 15, 20016:
• Huntington paid your authorized electronic transfer (ACH) to [redacted] in the amount of $54.77.
• A $37.50 overdraft fee was assessed to your account because a deposit was not made to cure the overdraft from March 14, 2016, when Huntington paid an $84.00 authorized electronic transfer (ACH) to [redacted] Epay.
• Your account balance was -$1,010.83 at the end of the business day on March 15, 2016.
March 16, 2016:
Since a deposit was not made to cure the overdraft from March 15, 2016, a $37.50 overdraft fee was assessed to your account. Your account balance was -$1,048.33at the end of the business day on March 16, 2016.
March 17, 2016:
When three electronic transfer (ACH) items were presented to Huntington for payment, your account balance was -$1,048.33. Huntington returned these items unpaid. A copy of the “Notice of Insufficient Funds” notice is enclosed for your review.
March 18, 2016:
Huntington received a $1,601.88 direct deposit to this account and our Customer Assistance Team refunded the two $37.50 Overdraft Fees as a courtesy. This brought your account balance to $628.55.
Also on March 18, 2016:
• You completed a $200.00 payment to your Huntington Voice Credit Card.
• Three $37.50 Returned Item fees were assessed to your account for the three items that were presented to Huntington for payment on March 17, 2016 but were not paid.
Please remember that keeping an accurate check register is the best way to avoid overdraft fees. While our Voice Response Unit, Online Banking, Mobile Banking and Text Alerts are helpful tools, customers are ultimately responsible for being aware of their current account balances and items outstanding.
Because we appreciate your business, we have refunded $112.50 in overdraft fees as a customer courtesy. Huntington has now waived $227.50 in overdraft fees on this account since February 22, 2016. Since no Huntington error was found, no further refunds will be offered unless there was a bank error.
If I may be of further assistance to you, please feel free to contact me directly at ###-###-####7. We appreciate your business and the opportunity to respond to your concerns.
the information provided in the response in not all correct. I did have relationship accounts and the response written is looking like I was the one who was incorrect - like the 10.00 service charge on my one money market account. I was informed by Ms. [redacted] that it was supposed to be a total relationship of all my accounts together in which I did meet all their requirements of all the accounts to qualify for the Huntington25 and it was the error and misinformation given to me by the branch office in Fishers, Indiana. They did not set it up correctly or provide me accurate information at anytime and this is why they lost a valuable 20+ year customer.I appreciate Ms. [redacted]'s help with resolving one solution to my complaint and that I am satisfied with getting my interest that I was supposed to have earned. I am not going to approve the written response though.Regards,
[redacted]
I received your email however there is no attachment to view the business response.
Dear Mr. [redacted]:
We are writing in response to your Revdex.com (“Revdex.com”) complaint regarding Personal Credit Line (‘PCL”) checks for your PCL account ending in [redacted] with The Huntington National Bank (“Huntington”). We received this matter for review on August 10, 2015.
Please accept...
our sincere apologies for any inconvenience you may have experienced as a result of the described matter. While we are sincerely dismayed to learn of your experience, we thank you for making us aware of the details.
We have flagged your account to prevent the sending of promotional checks in the future to your address. Please know that you have been heard and your comments have been forwarded to management for review.
We very much appreciate your business and the opportunity to address your concerns. If you would like to discuss the matter further or have any additional questions or concerns, you’re welcome to contact me at ###-###-#### or ###-###-####, extension [redacted].
Sincerely,
Beth C[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]
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
Complaint: [redacted]. I do not fine satisfaction with the business response. The business only feels compensation would only be worn if I had a loss of wages fees. But does not consider the reward I would have received if I choose a different available options. Had I known I would wait 8 weeks for payment instead of 2 weeks there since I was force to wait I should receive 300 dollar reward instead of 200 dollars. That is all I am asking for. I could have qualify for a higher reward. Thanks for consideration of my complaint.
I am rejecting this response because:
Regards,
[redacted]
Dear [redacted]:
I’m writing in response to your complaint filed with the Revdex.com (“Revdex.com”) regarding returned item fees on your Huntington checking account. We apologize for inconvenience this matter may have caused you. We realize this is a problem for you but 24-Hour Grace® is...
a discretionary service that may not have been clearly explained to you.
We have confirmed that you are opted in to our overdraft service on November 13, 2013 which is referred to as 24-Hour Grace®. This service allows Huntington to pay item on your behalf into the negative and allows you an extra day to make a deposit. Please understand, our cut off time for you to bring your account positive can vary based on location and method of deposit.
Please note the following information about 24-Hour Grace® below:
· Checks or internet (ACH) transactions on your account: Each time we get a check presented for payment that exceeds the account balance, we decide whether to return it or pay it. Please note that our decision to return or pay the transaction is based on customer history, amount of the transaction, account balance and past or current bankruptcy.
· If a transaction is returned because there is not enough money in the account to cover it, the check amount is not deducted from the account, and no overdraft occurs. For example, a customer’s checking account balance is currently $50, and a check he wrote for $100 is presented to us for payment. If we return the check instead of paying it, his account balance stays at $50 and there is no account overdraft. Returned checks are subject to a fee.
· If we pay any transaction, the amount is deducted from the account, causing an overdraft. 24 Hour Grace® applies only when we pay the transaction and an overdraft occurs. In that case, the customer has the opportunity to correct the overdraft by depositing sufficient funds on the next business day, at which time we could waive the overdraft fee. In printed materials as well as our website description, it states that the 24 Hour Grace® services cannot be used to waive return fees.
Example: If we pay the item and the account is overdrawn by $100, and a transaction for $100 will post to your account on the same day, a $200 deposit must be made by the cut-off time. Your account must have a balance of zero or higher by the end of the business day.
A transaction is any of the following: cash withdrawals, debit card transaction, Electronic debit (ACH) or personal checks that are presented to Huntington.
According to our records, your automatic car payment was presented to us for payment in the amount of $301.20 on April 30, 2015. As the funds were not available at that time, a systematic decision was made to decline this item for payment to Capital One, which resulted in a returned item fee in the amount of $37.50 that posted to your account on May 1, 2015.
On May 6, 2015, Capital One attempted to collect upon this payment a second time. As the funds were unavailable at that time, a systematic decision was made to decline this item for payment which resulted in a second returned item fee in the amount of $37.50 that posted to your account on May 7, 2015.
As a courtesy, we have refunded $75.00 to your checking account ending in [redacted]. Please understand the 24-Hour Grace® is not a guarantee. 24-Hour Grace® is a service Huntington National Bank offers and does not provide you overdraft protection.
You may also visit our website at https://www.huntington.com/grace/ that will provide more information about 24-Hour Grace® and examples of transaction scenarios.
If you have any further questions, or concerns, you are welcome to contact me directly at ###-###-#### or ###-###-####, extension #####, and I would be happy to assist you.
Sincerely,
[redacted]
Dear Mr. [redacted]We are writing in response to your recent complaint filed with the Revdex.com ("Revdex.com")availability of checks deposited to your checking account ending in [redacted]. Huntington received this matterfor review on January 11,2016.Upon reviewing your account, we confirmed the mobile...
deposit that you completed on January 8, 2016,for $2908.57.00, and January 11,2016 for $2908+57 each had a 5 day hold placed on the depositedamounts dejaying availability of your deposit according to our funds availability policy. These hold wereplaced as these checks were made payable to a person that was not listed as an account owner for theaccount to which they were deposited. We do apologize for any inconvenience but this was to ensure thatthe checks would not be returned by the bank on which the funds were drawn.We have confirmed that the funds were made available to your account on January 15,2016, andJanuary 19, 2016 (due to the January 48, 2016 being a holiday). We have also confirmed that no bankfees were charged to your checking account due to the delay in the availability of the funds.Again, we apologize for any inconvenience you may have experienced with respect to the availability offunds deposited into your account and provide the following details regarding our funds availability policy:According to the Huntington's Funds Availability Policy contained in the disclosures you receivedat account opening, funds from your check deposit will generally be available on the first businessday after the business day of each deposit, however Longer Delays may apply. We have alsoenclosed a copy of our Funds Availability Policy for your review. Please refer to the section inthe Funds Availability Policy titled "Longer delays may apply" for an explanation for longer delays,The length of time for the hold is determined by the routing number of the check. Holds can vary from 2to 5 days and extended holds from 7 to 10 days.If you have any additional questions or concerns, you're welcome to contact me at ###-###-#### or ###-###-####, extension [redacted]
February 13, 2017 [redacted]
[redacted]
[redacted] Re: [redacted]
[redacted]
* Dear Revdex.com/: [redacted] Thank you for contacting The Huntington National Bank (“Huntington”). We are...
writing in response to the complaint you forwarded to us regarding [redacted], which we received on February 7, 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, [redacted]
[redacted]
[redacted]