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Kayga Electric Reviews (851)

Thank you for contacting The Huntington National Bank (“Huntington”) We are writing in response to the complaint you forwarded to us regarding Brittany Bell, which we received on September 13, for review Please accept this correspondence as our confirmation that we have completed a thorough review of this matter and have contacted our customer directly in order to provide our response If you have any questions, or need further assistance, you’re welcome to contact us at your first convenienceSincerely, The Customer Advocacy Team Huntington National Bank

[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 regarding our $account opening promotion for your Huntington checking account number ending in *** Please know that we have completed a thorough review of this matterPlease note the following information: Our records show that you opened this account on April 21, As stated on the enclosed $ Cash Bonus addendum, given to you when you opened the account: “In order for the $promotion to be deposited into your account you needed to set up a direct deposit of at least $or complete debit card purchases within days from account opening” We have enclosed a copy of this addendum for your review Upon reviewing your account we found that a direct deposit of at least $was not set up and you did not complete a debit card purchase by June 20, Ms Lutton, because you did not meet the requirements of the promotion, Huntington will not credit the $bonus to you We understand your frustration and we apologize we are not unable to deliver the response you desire, If you have additional questions, please feel free to call me directly at ###-###-####We appreciate your business and the opportunity to address your concerns Sincerely, [redacted] Customer Advocacy Response Team

Closed case with a phone call to the customer-Advised we received her information from the Revdex.com-Confirmed we had the documentation reviewed a second time by our Fraud department-Advised final credit was issued.-Apologized for any inconveniences-Provided PRU contact information

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 19, 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 convenienceSincerely, The Customer Advocacy Team Huntington National Bank Tell us why here

I’m writing in response to your complaint filed with the Revdex.com (“Revdex.com”) regarding your Huntington installment loan account number ending in ***Huntington received this matter on December 4, for reviewWe have attempted to reach you by phone regarding this matter, but have been unsuccessful Please know that we have completed a thorough review of this matterThrough our research we found the following: According to the information on file, on November 2, you purchased a vehicle at [redacted] Motor CompanyDuring that transaction, you opted to apply for financing, and were subsequently approved for a loan from Huntington National Bank For your records, we have enclosed a copy of your Huntington Personal Loan AgreementAll of the information about the terms of the contract was provided to you at the time of the purchaseBy signing the loan agreement form which explained the terms of the loan, we accepted it as your acknowledgement that you reviewed the terms of the contract and agreed with themThe contract included the following section regarding a prepayment penalty “In return for the interest rate provided in this agreement, you agree to pay a prepayment charge if this loan is paid off prior to the final scheduled due date If this loan is not secured by a mortgage on residential real estate, the prepayment charge is the greater of $or 1.25% of the outstanding principal balance at the time of payoffHowever, there is no prepayment charge if we receive the final payoff of this loan after the payment due date that is payments less than the total number of payments due on the loanFor example, in a loan with monthly payments, there is no prepayment charge if we receive the final payoff of your loan after the due date of the 66th payment” The scheduled maturity date for this loan is May 2, In order to avoid paying a prepayment fee, you must have made a full monthly payment of $every month until November 2, Your account is a simple interest installment loanSimple 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 firstThen any late fees owed are deductedThe remaining amount is applied to your principal balanceWhen 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 dateIf 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 Interest Comparison: Enclosed are an amortization schedule and a loan payment historyThese documents may help clarify your understanding about how your payments were applied, and the principal balance changes • Amortization Schedule: This documents shows how the principal balance of the loan would have been paid provided you followed the terms of your personal loan agreement (contract) • Payment History: This document shows when your payments were received and how they affected your principal balance If you feel that Huntington’s payment history is incorrect, we would be happy to review your payment receipts with youThe amount needed to pay this account in full is $Please make this payment by January 12, in order to avoid late charges to your loan We sincerely regret any confusion regarding this situationIf you have additional questions regarding your Huntington loan, please feel free to contact me directly at ###-###-####We appreciate your business and the opportunity to address your concerns Sincerely, Bob A [redacted] Senior Specialist Customer Advocacy Response Team

Dear Ms***: 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 ***Huntington received this matter on March 21, for reviewIt 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 matterThrough 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 transactionBy 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 itOur 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 $balance owed to your accountDuring this conversation you stated that your direct deposit would post on March 18, Our Customer Assistance Team agreed to refund two $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 $ • A $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 $authorized electronic transfer (ACH) to [redacted] Epay • Your account balance was -$1,at the end of the business day on March 15, March 16, 2016: Since a deposit was not made to cure the overdraft from March 15, 2016, a $overdraft fee was assessed to your accountYour account balance was -$1,048.33at the end of the business day on March 16, March 17, 2016: When three electronic transfer (ACH) items were presented to Huntington for payment, your account balance was -$1,Huntington returned these items unpaidA copy of the “Notice of Insufficient Funds” notice is enclosed for your review March 18, 2016: Huntington received a $1,direct deposit to this account and our Customer Assistance Team refunded the two $Overdraft Fees as a courtesyThis brought your account balance to $ Also on March 18, 2016: • You completed a $payment to your Huntington Voice Credit Card • Three $Returned Item fees were assessed to your account for the three items that were presented to Huntington for payment on March 17, but were not paid Please remember that keeping an accurate check register is the best way to avoid overdraft feesWhile 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 $in overdraft fees as a customer courtesyHuntington has now waived $in overdraft fees on this account since February 22, 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 ###-###-####We appreciate your business and the opportunity to respond to your 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 March 27, 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 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 responseIf you have any questions, or need further assistance, you’re welcome to contact us at your first convenienceSincerely, 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 Ms [redacted] ***, which we received on June 24, for review Please accept this correspondence as our confirmation that we have completed a thorough review of this matter and have contacted Ms [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 Ms [redacted] which we received on April 3, for review Please accept this correspondence as our confirmation that we have completed a thorough review of this matter and have contacted our customer directly in order to provide our response If you have any questions, or need further assistance, you’re welcome to contact us at your first convenienceSincerely, 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 22, 2017, for review.Please accept this correspondence as our confirmation that we have completed a thorough review of this matter and have contacted [redacted] directly in order to provide our responseIf you have any questions, or need further assistance, you’re welcome to contact us at your first convenienceSincerely, The Customer Advocacy Team Huntington National Bank

Thank you for contacting The Huntington National Bank ("Huntington")We are writing in response to the complaint you forwarded to us regarding [redacted] , which we received on June 04, 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 responseIf you have any questions, or need further assistance, you’re welcome to contact us at your first convenienceSincerely, The Customer Advocacy Team Huntington National Bank

Dear [redacted] **: I’m writing in response to your rejection filed with the Revdex.com (“Revdex.com”) regarding your checking and savings accounts held with Huntington National Bank (“Huntington”)I have attempted to contact you by phone on multiple occasions, but have been unsuccessful in reaching you In your complaint, you state that you wish to close your accounts as you no longer live in the areaHowever, according to the Revdex.com complaint filed by you and according to our records your address reflects that you still live within the area of a Huntington branch locationAt this time, your account has not received any daily fees as stated in your complaintHowever, your account has been in a holding status because there has been no activity on the account for at least months Please understand that additional documentation is needed in order to proceed with removing the dormant hold on your accountIn order to remove this status off of your account, please provide Huntington with a copy of your valid photo ID, and a copy of a utility bill with your updated addressAfter the status has been removed from your account, you are welcome to log into your online banking and complete a transfer to your new banking institutionOnce the account balance has been brought to zero, please provide me with an email including a notarized letter with your signature requesting that you wish to close the account, and I will process the closure accordingly I sincerely apologize for any inconvenience this matter may have caused youProviding you with an excellent Huntington experience is our goalDuring the attempts to contact you by phone, I left multiple voicemails that provided you my contact information, requesting that you contact us as soon as possible to discuss your complaint in detailAt this time, we are unable to proceed further with your complaint, but we would still like to assist you with your requests If you would like to discuss these matters with us in detail, please contact me at your convenienceI can be reached directly by phone at ###-###-#### or toll free at ###-###-####, extension [redacted] , and I’ll be happy to assist you Sincerely, Adrianne P [redacted] Customer Advocacy Team Huntington.com

Business contacted Revdex.com requesting additional time to respond, still researching

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]I have not received a response from the businessMy address is [redacted] ***, the report listed my address incorrectly.Fraud was detected on my card by the bank as of 7/27/but they did nothing to prevent it.This is the fraud prevention Department at Huntington Bank calling for [redacted] ***We need to verify some recent activity on your card ending in [redacted] In order to prevent possible difficulties using your card, it's important that you call us back toll free at your earliest convenience at [redacted] to verify this activity you may call us back hours a day seven days a weekThe number again is [redacted] ***Thank you Complaint: [redacted] I am rejecting this response because: Regards, [redacted]

Dear [redacted] [redacted] I’m writing in response to your concerns addressed with the Revdex.com (“Revdex.com”) dated July 28, 2015, regarding your checking account formerly held with Huntington National Bank (“Huntington”) We have verified that our security department has no record of your claim that fraud was committed on your checking account ending in [redacted] in June of I have contacted Jessica M [redacted] , manager at our [redacted] office and confirmed that you visited the office on August 4, 2015, and had your monthly checking statements ordered at no cost to review for fraud Please return to the banking office to so that a research case can be submitted and you can complete a dispute form for any unauthorized transactions Once the case is submitted, your case will be reviewed and you will be notified of the outcome of the research According to our records, your checking account ending in [redacted] was charged-off on August 4, 2014, owing a balance of (-$837.56) We have confirmed that this account has been placed with Appelles LLC for recovery If you wish to make payment arrangements for the amount owed, please contact Appelles LLC directly at [redacted] If you have any additional questions or concerns, you’re welcome to contact me at ###-###-#### or ###-###-####, extension *** Sincerely, John W [redacted]

To Whom It May Concern: Thank you for contacting The Huntington National Bank (“Huntington”). We are writing in response to the complaint you forwarded to us regarding [redacted] ***, which we received on November 18, 2016 for review. Please accept this correspondence as our... confirmation that we have completed a thorough review of this matter and have contacted [redacted] directly in order to provide our response. If you have any questions, or need further assistance, you’re welcome to contact us at your first convenience. Sincerely, The Customer Advocacy Team Huntington National Bank

Case closed with telephone call and letter to customer: - Apologized for any misunderstanding regarding promotional offer - Confirmed promotional offer code was claimed to customer’s account - Provided promotional offer requirements to customer - Informed customer he has until August 11, to meet the requirements for promotional offer - Informed customer Huntington does not have a promotion in which the requirement is to deposit $- Provided PRU contact information

Dear [redacted] : I’m writing in response to a telephone call to our Phone Bank customer service and a complaint filed with the Revdex.com (“Revdex.com”) regarding your installment loan account number ending in *** with Huntington National Bank (“Huntington”)We received this matter for review on February 26, and March 3, respectively It was a pleasure talking with you on the telephone on March 1, and this letter is a follow up to our conversation In our telephone conversation, we discussed the following: • You stated that you were not the person who has contacted Huntington to discuss your loan account • You stated that you bought the vehicle for your brother [redacted] and your sister-in-law *** because they could not obtain credit for a vehicle • We explained that the concern was in regards to how the payments are being processed and the loan’s prepayment penalty • You stated that you are aware that this is account is a simple interest loan and there may be a prepayment fee • We explained that Huntington takes the privacy of our customers very seriouslyWe can only discuss this matter and/or provide information to the account owners or authorized signers • We stated that in order to discuss this matter further we will require you to visit a Huntington banking office so we can verify your identity • You stated that you would contact [redacted] to address this concern If you have additional questions regarding your Huntington loan, please feel free to contact me directly at ###-###-#### or toll free at ###-###-####We appreciate your business and the opportunity to address your concerns Sincerely, Bob A [redacted] Customer Advocacy Team Huntington.com

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