I’m writing
in response to your complaint filed with the Revdex.com (“Revdex.com”) regarding
your checking account
ending in *** with The Huntington National Bank (“Huntington”). Huntington received this matter on October 28,
2014, for
review.
Upon
reviewing your account, we have confirmed the following:
Huntington
was first notified of your dispute on October 14, 2014. The case was denied by our research
department on October 15, 2014, because the disputed charges did not initially
appear to be fraud as the disputed charges took place within your vicinity and
the card was not reported lost or stolen prior to October 12, Once we received your completed dispute form on
October 24, 2014, that provided the police report number that was filed for the
theft of the debit card, we filed a new research case to re-investigate your
fraud claim
We have
confirmed that your debit card ending in *** was reported lost on October 12,
2014, and your new debit card ending in *** was activated on October 19,
We have also confirmed
that on October 29, 2014, final credit of $was issued to your checking
account and two overdraft fees of $23.00, totaling $46.00, were refunded for
the disputed charges We have enclosed a
copy of the letter that was mailed to you on October 30, 2014, that informs you
of the resolution
We apologize
for any inconvenience that you may have experienced due to this issue. Please know that your comments have been
forwarded to the appropriate level of management for review. While we are sincerely dismayed to learn of
your experience, we thank you for making us aware of the details so that we may
improve your future experiences with Huntington
If you have
any additional questions or concerns, you’re welcome to contact me at ###-###-#### or ###-###-####, extension***
Sincerely,
*** ***
Senior Specialist
Customer Advocacy Response Team
Enclosure
CC: Revdex.com
*** *** *** ***
*** *** ***
*** *** *** ***
*** ** ***
The Huntington National Bank (“Huntington”) is in receipt of your complaint filed with the Consumer Financial Protection Bureau (“CFPB”) and the Revdex.com (“Revdex.com”), regarding a recent loan application. You have asked that Huntington respond to you regarding the inquiries made in that letter.
Please know that when an applicant applies for a loan that secures real property that we can only process the application with the information that the applicant providesOnce the information is submitted Huntington will verify the information provided by the applicant by doing an appraisal and a title searchThe title search indicated the property was not in the applicants name and the application was deniedWe are required to send out a copy of the appraisal and denial letter to the address provided on the application which is what you receivedUnfortunately, we will not be offering financial compensation for your inquiry
I understand your frustration, and apologize for the inconvenience you were causedIf you have any questions, please contact me at ###-###-#### or toll free at ###-###-####
Sincerely,
*** ***
*** *** ***
*** *** *** ***
*** *** *** ***
*** **
I’m writing in response to the complaint you filed with the Revdex.com (“Revdex.com”) regarding your checking account ending in
#### held with The Huntington National Bank (“Huntington”). Huntington received this matter on October 24, 2014, for review.
We apologize for any inconvenience that you may have encountered due to your checking account being scheduled to be closed on December 1, 2014. As stated in the account disclosures that were provided when the account was opened, Huntington may close your account at any time with or without cause and with or without notice to you.
I have enclosed a copy of the account disclosures for your records
If you have any additional questions or concerns, you’re welcome to contact our Risk Management Department at (866) 922-
Sincerely,
*** ***
*** *** ***
Priority Response Unit
*** *** ***
*** *** *** ***
** *** *** ***
*** ** ***
*** *** ***
*** * *** **
*** * *** ***
*** ** ***
*** *** ** ***
*** ** *** * ***
*** ***
I’m writing in response to your
complaint to the Revdex.com, received by Huntington National Bank on October 16, 2014, regarding credit score concerns caused by paying off your Huntington Personal Credit LineThank you for allowing us to address your concerns
First, let me say how much we appreciate your business and timely payments on your Huntington accountI understand your frustration and apologize for any inconvenience this matter may have caused youProviding you with an excellent Huntington experience is always our goal
Our research shows that your Huntington personal credit line is and has been reported as paid in full, as agreed, with all three credit reporting agencies: Equifax, Experian and TransunionThere are no derogatory remarks on your credit report regarding the Huntington loan ending in
If your score has declined, it could be because there is no longer credit available to you on this line, or, any number of other reasons which may or may not involve this trade lineQuestions regarding scoring should be directed to the credit reporting agencies
If you have additional questions, you’re welcome to call me directly at ###-###-#### or at ###-###-####, extension #####We appreciate your business and the opportunity to address your concerns
Sincerely,
*** ***
*** ***
Priority Response Unit
Dear *** ***
I’m writing in response to your complaints addressed to the Revdex.com (“Revdex.com”), the Consumer Financial Protection Bureau (“CFPB”) and the Ohio Attorney General’s Office which was subsequently forwarded to the Office of the Comptroller of the Currency (“OCC”)
regarding service you describe that took place at the University Circle branch in Cleveland, OhioWe first received this matter on November 3, for review
This notice is to inform you that we are closing your Huntington accounts, in keeping with our rights as outlined in the Agreement and Disclosure of Account Terms and Rules and RegulationsAfter November 13, 2014, we will accept no further deposits to your accounts previously held with Huntington National Bank (“Huntington”).
We issued a check in the amount of $ $20,for the balances in your checking account ending in #### and the money market account ending in #### that were previously held with HuntingtonWe confirmed this check was cashed on November 14, at ** *** *** Bank
Please note, you were also provided with two cashier’s checks in the amount of $2,and $16,to bring the balance of your estate checking account ending in #### to zeroAccording to our records these cashier’s checks issued to you have been received and cashed
The Money Market received an interest payment of $on November 3, which was not distributed within your previous checkThis account was also accessed a fee of $due to the early closureAs a courtesy we have waived this fee and will be providing you a check including the interested owed to you and the refund of $This check was sent you on November 13, which totals $
Please understand, we take the security of our employees seriously and an internal investigation was completed due to the accusations made during your visit on November 1, At that time, a decision was made to end our relationship with you and to close all accounts held with Huntington National Bank
It is stated in your complaint that you are seeking reimbursement for health issues, and emotional and mental duress that incurred due to this matterPlease understand, while we do not believe we are responsible in any way for these other costs, we are unable to complete a thorough review of the reimbursement you are requesting without proper documentation
*** *** I understand your frustration, and apologize for the service you described in your complaints Please know that the comments provided have been heard and forwarded to the appropriate level of management for review
If you have questions or concerns, please feel free to contact *** *** directly at ###-###-####
Sincerely,
*** ***
*** ***
Customer Advocacy Response Team
Dear *** ***
I’m writing
in response to your complaint filed with the Revdex.com (“Revdex.com”)
regarding payments made to your Huntington Installment Loan account number
ending in #####
Please know
that we have completed a thorough review
of this matter and have found the following:
Processing Center:
Huntington
receives multiple deliveries from the United States Postal Service every day to
our payment processing center at *** *** *** *** *** ***
These items are processed on the date they are
received by using an automated system that first opens the envelopes, the
runs the payment coupon and method of payment through a computer
The computer credits the amount listed on the
payment to the account listed on the payment coupon on the same date the
payment was received
If a payment is received without a payment coupon,
the item is collected and sent to be manually processed to the loan
Speed Payments:
Huntington
offers multiple electronic ways to make payments to your loanOne option is our
Speed Payment system
This system allows you to enter a dollar amount and
account information that you would like the funds to be debited from and a
reference number / check number for your records
Any Speed Payment requested before 4:pm Eastern,
is processed on the same business day
Any Speed Payment requested after 4:pm Eastern,
is processed on the following business day
Speed Payments can be completed by:
a)
Through
our Online Banking product
b)
Through
our Phone Bank customer service’s Interactive Voice Response (IVR) system
c)
Requesting
with a Phone Bank customer service representative
d)
Requesting
with a Huntington collections representative.
*** ***, through our research we found that out of the payments made to
this installment loan, payments were made by our electronic Speed Payment
system; payments by personal check sent to our payment processing center and
payment was extended to the end of the loan (approved by our collections
department)
Please see
the following timeline which shows the last payments made by personal check
and the last payments made by our Speed Payment statement:
November 9, 2012:
Huntington
received and credited to the loan, the enclosed Payment Coupon (of 72) and Personal Check (#####) in the amount of
$This payment was credited to the November 14, paymentPlease
note that the hand written date on the check is November 7,
December 24, 2012:
Huntington
received and credited to the loan, the enclosed Payment Coupon (of 72) and Personal Check (#####) in the amount of
$This payment was credited to the December 14, paymentPlease
note that the hand written date on the check is December 22, 2012.
March 25, 2013:
Huntington
received and credited to the loan, the enclosed Payment Coupon (of 72) and Personal Check (#2697) in the amount of
$This payment was credited to the March 14, paymentPlease note
that the hand written date on the check is March 21,
May 1, 2014:
You called
our Phone Bank customer service at 2:11:pm and completed a Speed Payment through our Interactive
Voice Response (IVR) systemThis payment was credited to the loan on May 1,
to credit the April 14, payment.
June 1, 2014:
You called
our Phone Bank customer service Sunday June 1st at 9:59:am
2:11:pm and completed a Speed Payment
through our Interactive Voice Response (IVR) systemThis payment was credited
to the loan on Monday June 2, to credit the May 14, payment.
June 30, 2014:
You called
our Phone Bank customer service at 8:59:pm and completed a Speed Payment with a Phone Bank
representativeThis payment was credited to the loan on July 1, to credit
the June 14, payment.
August 21, 2014:
Huntington
received the enclosed Personal Check
(#3227) in the amount of $Please note that the hand written date on the
check is August 18, This payment did not include a Payment CouponThis
payment was forwarded to our manual payment processing areaThe $payment
was processed to the account on August 26, to credit both the July and
August 14, payments
Since there
was a delay in the processing of the manual payment, we have backdated the $
payment to August 21, This recalculated the interest charged to this loan
and removed one $late fee
We apologize
for any inconvenience this matter may have caused youPlease know that we have
discussed the delay of the August 26th payment with the appropriate
level of management, so please know that your comments have been heard
As shown in
the timeline, there is not a pattern of Huntington holding or delaying your
payments to this loan
*** ***, as you may know this account is a simple interest installment loanIn a simple interest loan,
interest begins accruing from the day the loan closes. Each time a payment is made on the account,
the amount of interest that will be deducted from that payment is calculated
using the following method:
Principal Balance x Interest Rate ÷
Number of days in the current year x Number of days since the last posted
payment (or, for the first payment, from the day of loan closing) = Interest
due
The amount of
interest due is deducted first from the payment amount you send in, followed by
any late fees or other fees owed. The
amount remaining from the payment is then applied to the principal balance
When the next payment is received, the same formula is used, and is based upon
the new principal balance
Using the formula above, if a payment is made before the due date (14th of the month), less interest
is charged for that payment, therefore, more of the payment amount is applied
to the principal balance, which would result in the account being paid off earlier than the scheduled June 14, maturity
date
However, if the payment is made after
the due date (14th of the month) more interest is charged, and
less is applied to the principal balanceConsequently, more than the regular
monthly payment may be due on the scheduled June 14, maturity date
Our records show that this account is paid up to August 14, A
$payment for September 14, is currently past due.
*** ***, we have enclosed a copy of your installment loan payment history
If you feel that there are any errors on this history, please contact me
directly at ###-###-####, and I will be happy to review your receipts with you
If I may be
of further assistance to you, please feel free to contact me at ###-###-####,
extension #####. We appreciate your
business and the opportunity to respond to your concerns.
Sincerely,
*** ***
*** ***
Customer
Advocacy Response Team
I have reviewed the response made by the business in reference to complaint ID #####, and find that this resolution is satisfactory to me
Regards,
*** ***
I’m writing in response to your recent complaint filed through the Revdex.com (“Revdex.com”), regarding a Huntington checking account ending in *** that was closed with an amount owed.
?
Our research confirms that the checking account ending in *** was opened on
February 22, 2011, and was closed on July 2, 2012, with an amount owed of $-of which $were transactions paid on your behalf and the remaining $consisted of fees Enclosed are copies of your checking account statements for your reviewThis account was sold to *** ***, a third party collection agency and Huntington no longer owns the debt nor collects on it
?
To discuss this matter you can reach the collection agency at the following:
?
Lismore Holdings
Telephone Number: ###-###-####
Address: *** *** ***
Cypress TX
?
Unfortunately, Huntington is unable to confirm any collections efforts being made by *** ReceivablesPlease contact *** *** to discuss this matter
You also have the option to dispute any information reported to *** by contacting *** *** or ***. You may contact *** as shown below:
***
Attn: Consumer Relations
*** *** ***, Suite
Woodbury, MN
Ph: ###-###-#### / Email: www.***.com
If I can be of further assistance, you are welcome to call me at ###-###-#### or ###-###-####, extension***
?
Sincerely,
?
*** ***
Senior Research Specialist
cc: Revdex.com
Enclosures
Dear *** ***:
I’m writing
in response to your rebuttal to a complaint filed with the RevDex.com (“Revdex.com”) regarding payments made to your Huntington Installment Loan account
number ending in #####Huntington received this for review on October 20,
It was a pleasure talking with you on the telephone and this letter is a follow
up to our conversation
Thursday October 16,
We
received a call stating that you had questions regarding our RevDex.com response letterPlease note the following details regarding that telephone
call
Huntington processes loan
payments on the same day that they are received
Huntington does not show a record
of a payment received in September
Huntington cannot be held
responsible if a payment is not delivered by the United States Postal
Service (“USPS”)
An agreement was made where you would
contact our customer service to complete an electronic Speed Payment and
contact your financial institution to place a stop payment on the lost
check that was mailed to Huntington in SeptemberHuntington would then
backdate the Speed Payment to pay the September payment as a courtesy
Friday October 17,
2014:
Our records show that you
contacted us and left a voice mail stating that the Speed Payment has been
completed and a stop payment was placed on the missing September payment
Monday October 20,
2014:
After reviewing your voice
message, we verified that the Speed Payment has posted to the loan
We reversed the October 17,
$Speed Payment and applied it to the September’s payment as a
courtesy (Applied effective September 15, 2014)This recalculated the simple
interest owed to the loan and a late fee was no longer charged with that
payment
We verified that on Friday
October 17, 2014, Huntington received check ##### in the amount of $
for your October payment
Huntington credited the enclosed
Payment Coupon (of 72) and Personal
Check (#####) in the amount of $to the October 14,
paymentPlease note that the hand written date on the check is October
15,
*** ***, please remember that Huntington cannot be held responsible for any
delays caused by the United States Postal Service (“USPS”)It is important to mail
your payment a few business days prior to your due date to allow time for the
USPS to deliver your payment to Huntington
If
I may be of further assistance to you, please feel free to contact me at
###-###-####, extension ####. We
appreciate your business and the opportunity to respond to your concerns.
Sincerely,
*** ***
*** ***
Customer
Advocacy Response Team
*** *** *** ***
*** *** ***
*** *** ***
*** *** ***
*** *** ***
*** ***
*** *** **
*** ** ***
***
*** *** ***
*** *** ***
I’m writing in response
to your recent complaint filed through the Revdex.com (“Revdex.com”) regarding an automatic debit that posted to your checking account from PAYPALYour checking account ending in #### has been refunded $in extended overdraft fees as a courtesy
I understand your frustration, and apologize for the inconvenience you were causedProviding you with an excellent Huntington experience is our goal, and we are disappointed when we fall short
This letter is to confirm that your Advantage account was converted to Huntington Bank on March 2, Huntington mailed all customers affected by this acquisition “Welcome” packets in January 2014, on the page titled “The Big Picture “of the packet we notified you that “Checks and Deposit Slips: Continue using them until they run outDirect Deposits and Automatic Transfers will continue without interruption unless we tell you otherwise.” Enclosed is a copy of this section, a full copy of the packet is available upon request
Please contact PAYPAL to cancel this service, if you have already requested this, please provide a copy of the cancellation paperwork in the enclosed postage paid envelope to have the $PAYPAL transaction disputedYour checking account has a current balance of $-18.28, until we receive the requested paperwork your account will remain at a negative balance
As requested in your complaint, your checking account will be closed on September 29, 2014, with an amount owed of $-
If I can be of any assistance or if you have questions, you are welcome to contact me at ########## or ######### extension #####I will happy to assist you
Sincerely,
*** ***
Dear *** * *** ***
?
I’m
writing in response to your complaint filed with the Revdex.com
regarding the concerns with your Huntington Installment Loan account number
ending in ####It was a pleasure talking with you on the telephone and this
letter is a
follow up to our conversation
?
First, please accept our apologies for any inconvenience
this matter may have caused youWe
understand what a difficult time this is for you
As we discussed in our telephone conversation, when a
vehicle is involved in a total loss situation, there could be multiple
companies involved in the repayment of the installment loanEach of these
companies have processing guidelinesThis could cause delays to their payments
to this loanPlease remember, as stated in your personal loan agreement, you
agreed to make a monthly payment of $on the 25th of the month,
until the account is paid in full
?
Please note the following information:
?
August
1, 2014:
Huntington received the second payment to this installment
loanThis left a principal balance owed of $ 30,
August 4, 2014:
You contacted Huntington requesting a payoff
quoteOur Phone Bank Customer Service quoted an amount of $30,(interest
per diem $2.2609), good until August 11,
?
August 20, 2014:
You contacted Huntington requesting a payoff
quoteOur Phone Bank Customer Service quoted an amount of $31,(Interest
per diem $2.2609), good until August 27,
?
August 22, 2014:
Huntington received a letter of Guarantee from *** *** *** Insurance company stating that they will pay Huntington
$25,for the vehicle
On the same day, Huntington reviewed the offer
from the insurance company and approved the amountHuntington then sent a
day payoff quote via fax to *** *** at *** *** *** Insurance
?
August 25, 2014:
A payment of $was due to the loan
?
September 2, 2014:
Huntington received a check in the amount of
$25,(total loss insurance check)Huntington applied the payment to the
principal balance owed to the accountThis left a remaining loan principal
balance of $4,
?
September 2014:
A late fee was assessed to the loan and a late
fee notice was mailed to your attention
?
September 19, 2014:
You contacted our Phone Bank customer service
to inform us that a Warranty Refund request was submitted and a GAP insurance
claim has been filedHuntington also reminded you that a payment was past due
?
September 25, 2014:
A payment of $was due to the loan
?
September 29, 2014:
Huntington received a warranty refund check
from *** *** in the amount of $1,This check was applied as a
principal pay down to the loan on September 29thThis reduced the
principal balance to $2,
?
September 30, 2014:
Huntington received a $2,check from
*** ***This payment was applied as $2,to the principal
balance and $to interest owedSince *** *** did not contact Huntington
for a payoff quote, this left a $balance to this loan ($principal
owed & $Prepayment fee)
?
October 25, 2014:
A payment of $was due to the loan
?
October 27, 2014:
You contacted Huntington requesting a payoff
quoteOur Phone Bank Customer Service quoted an amount of $(interest
per diem $0.0152), good until November 3, You also requested that we
waive another late feeHuntington waived the fee and reduced the payoff quote
to
?
November 3, 2014:
Huntington received an electronic payment (Speed
payment) in the amount of $This payment was applied as a payoff to this
loan
Please remember that Huntington does not have
any control over if or when a warranty refund or GAP insurance payment will be
sent to HuntingtonIt is the customer’s responsibility to continue making
monthly payments until the loan is paid in fullIf the loan would be overpaid,
a refund would be sent to you five to seven business days after the date the
loan was paid in full
?
Please remember that you financed this loan at
*** *** *** acted as a broker and sold the loan to HuntingtonThe
prepayment fee is on our personal loan agreements not only to be able to
provide you the 2.70% interest rate but to help recover a portion of the funds
paid to *** ***
?
*** * *** ***, as a courtesy, we have backdated the $payment you made on
November 3, to September 30, 2014, (The date that we received the final
third party payment / GAP payment) and applied it as a loan payoff This loan adjustment has removed a day
delinquency that Huntington was previously reporting to the national credit
reporting agenciesWe have also waived the $
prepayment fee to this loan as a courtesyThis amount will be sent to you via
check in five to seven business days
?
If
I may be of further assistance to you, please feel free to contact me at
-#########, extension ##### We appreciate
your business and the opportunity to respond to your concerns.
Sincerely,
*** ***
*** ***
Customer
Advocacy Response Team
I have reviewed the response made by the business in reference to complaint ID#####, and find that this resolution is satisfactory to meThank you so much for your understanding
Regards,
*** ***
*** *** *** ***
*** *** ***
*** *** ***
*** *** ***
*** *** ***
*** ***
** *** **
*** ** ***
***
*** *** ***
*** *** ***
I’m writing in response to
your recent complaint filed through the Revdex.com (“Revdex.com”) regarding a $promotional offer for opening a new checking account
Our records indicate that checking account ending in #### was opened on August 4, 2014, through online banking with a promotional offerDue to a system error, the promotional code was not entered onto your account
I understand your frustration, and apologize for the inconvenience you were causedProviding you with an excellent Huntington experience is our goal, and we are disappointed when we fall shortThis matter was forwarded to the appropriate level of management and the decision was made to honor the $promotional code on your account A review of your account confirms that the promotional incentive was deposited into your checking account on October 6, 2014.
If I can be of any assistance or if you have questions, you are welcome to contact me at ###-###-#### or ###-###-####-####I will happy to assist you
Sincerely,
*** ***
*** *** ***
Well, I am not sure if I accept or not. Here is what I do know, I talked to *** *** *** *** about how the loan payments are processed. He was nice and informative, but I still am not sure what happens with the payments when they are received. He has told me that if a payment comes in with a coupon, it is processed on the day it is received. However, my September payment, made with a coupon, has yet to be processed. I have made Octobers payment, mailed within the grace period, actually on the 15th, with a coupon and am still waiting to see when it will be processed. I have made a "speed" payment for September's payment, and have put a stop payment order on my original check. I was told by *** *** that any late fees would be removed and the account would be listed as current. The funny thing is, when I called him on Friday, he is out of the office on Friday, to leave him a message, they had no idea who he was. I gave them his name, and extension number, and on two different occasions both ladies told me that no one by that name worked with Huntington. I was beginning to think I had been talking to a scammer or something. I did finally, after the third attempt, get someone to look him up and transfer me to his voice mail system. So, I am waiting to see what happens from here*** and *** ***
Regards,
*** ***
*** *** *** ***
*** *** *** ***
*** *** ***
*** ** *** *
*** *** ***
*** * ***
*** *** ***
*** ** *** ***
*** *** *** ***
*** *** ***
*** *** ***
I'm writing to respond to your complaint filed with
the Revdex.com (("Revdex.com")r egarding the
availability of funds of the deposit made on September I 1,to your checking account ending in ####
understand your frustration and apologize for the inconvenienceMy research has revealed that
according to your account "Funds Availability Policy" which is part ofyour "Agreement and Disclosure
of Account Terms and Rules and Regulations for Consumer Savings Accounts* ("Rules and
Regulations"), tluntington has the right to delay the availability of a check in some instancesA copy of
the Funds Availability Policy is available upon requestOnce the hold was released you were able to
obtain the funds in the amount of $16O.OO on September 17,
Upon further review I found that on September 18, 14, your checking account was closed in accordance
with Huntington's Account Rules and RegulationsI have enclosed a copy of the letter that was sent to
you informing you of this decisionOn this date we also sent you a check in the amount of $which
represented the balance in the account at the time of account closing
If you have further questions or concerns, you're welcome to call me directly at ##### or
###-###-####, extension ####
*** ***
[redacted]
I’m writing in response to your recent concern...
filed through the Revdex.com (“Revdex.com”) regarding a Huntington checking account being opened in your name and possible identity theft.
Please complete the enclosed Identity Theft Affidavit Form and return it in the enclosed postage paid envelope. Please include copies of the requested documents notated on the Affidavit form and a copy of a police report. It is important to report this to your local police or sheriff's department. Having a police report can help you in clearing up any other credit record issues later on. Once we receive these documents we can complete our research of this matter for you.
If I can be of any assistance or if you have questions, you are welcome to contact me at ###-###-#### or ###-###-#### extension ####. I will happy to assist you.
Sincerely,
[redacted]
Dear [redacted]
I am writing in response to your complaint filed with the Revdex.com (“Revdex.com”) regarding a transaction you did not authorize that was charged on your Huntington National Bank (“Huntington”) MasterCard on September 29, 2014.
We...
reviewed your concern on October 13, 2014 and found that the transaction for $223.19 from Time Warner Cable was not yours. Huntington issued provisional credit for in the amount of $223.19 on October 9, 2014 and refunded the associated overdraft fees of $150.00 and an extended fee for $25.00 totaling $175.00. We confirmed that your debit card was successfully closed on September 10, 2014 due to a potential third party compromise.
At this time, Time Warner Cable has issued a refund to your account totaling $223.19 for the charge in question. The refund was processed to your account ending in #### on October 14, 2014, therefore, Huntington has sent you a letter that the provisional credit for $223.19 will be reversed on October 23, 2014. Please understand that this provisional credit is being reversed but the fee refund totaling $175.00 will remain as a final credit.
We sincerely apologize that the charge initially appeared to be valid due to your previous history with this merchant. For your convenience, I have included copies of the letters that were previously sent to you by our Debit Card Operations department for your records. I understand your frustration and apologize for any miscommunication and inconvenience regarding this matter.
If you have any questions or concerns, please feel free to contact me at ###-###-#### or at ###-###-####, and I’ll be happy to assist you.
Sincerely,
[redacted]
Research Specialist
Priority Response Unit
1.) The original request for a stop payment was for $175.00 check. Not until 4 days after the fact did I find out the stop payment was not effective. Yet, I was still chagred the fee for the stop payment. I should have been informed as soon as I called their customer service department that it would take "x" number of days to process.
2.) After they put the check thru and started charging me I immediately acted and called back and asked if they could suspend the account until I was able to make other arrangements to bring the account up to date and a positive balance. My request was denied and they continued to charge me overdraft charges.
3.) The debit card transactions mentioned in their response took place BEFORE I was aware there was a problem and BEFORE I was aware that they did not process the stop payment on the $175.00. Yet they continued to add additional charges.
4.) I am on the road most of the week and do not always have access to a computer, nor my checkbook register. I do however make it a point to stop in at branches at least 3 times a week. So I do not appreciate the responders comments that I should use a check register. I didn't fall off a pickle truck. I have been a long time customer of Huntington Bank and I have direct deposit. Not until this summer did their customer service start to perfom poorly. I find the response somewhat offensive. It appears they do not appreciate the fact that I do a substantial amount of business with them....on a limited income at that.
5.) Although I appreciate their reversing charges $250.00 in the past ( only because I caught what they were doing ), it was due to their errors. Here is a perfect example and my account reflects as such... they charged me a fee of $37.50 yesterday and today they applied that amount to my checking account. Try explaining that manuever....especially on a federal holiday ?!? The result...my balance was incorrect until 4pm today (est).
This proves my theroy that they jump the gun and slam charges on customers before they have the absolute correct information on an account, which also leads to incorrect text messages that they send me regarding my balances. This is another reason why I never am able to figure out what my balance is. And for this reason I stop in at branches or call their customer service department in hopes they would know the correct balances. Obviously, they have no clue either.
6.) In the past I would stop in a branch and ask for a printout of my account and it was no problem. Two months ago I was told they charge for that service now and that I should use the ATM for a printout. I have used the ATM for this twice now and both times I was charged $4.00. Now tell me they aren't misleading the public and taking advantage of their customers to make up for that 24 Hour grace stuff.
7.) Recently, I opened a new account at their [redacted] branch in [redacted]. Their printer wouldn't work so I was unable to get the paperwork that normally comes with a new account. The teller asked me to stop in later and get the paperwork. I wasn't able to stop back until the next morning and was helped by two other tellers. They printed my paperwork out after trying to figure out how to do it. However, I was not given starter checks for the account. When I inquired about this I was told it was too late to get starter checks and that I would have to order checks and pay for them.
I CONSIDER THIS ENTIRE FIASCO, PURELY UNPROFESSIONAL AND A MAJOR RIP OFF SCHEME !!! As I have been referring my clients to Huntington Bank and had obtained a flyer from the branch to pass out on their behalf, I will no longer do so. I refuse to refer ANY service or company to hard working people who deserve CUSTOMER SERVICE and professionalism.
Regards,
[redacted]
I’m writing
in response to your complaint filed with the Revdex.com (“Revdex.com”) regarding
your checking account
ending in *** with The Huntington National Bank (“Huntington”). Huntington received this matter on October 28,
2014, for
review.
Upon
reviewing your account, we have confirmed the following:
Huntington
was first notified of your dispute on October 14, 2014. The case was denied by our research
department on October 15, 2014, because the disputed charges did not initially
appear to be fraud as the disputed charges took place within your vicinity and
the card was not reported lost or stolen prior to October 12, Once we received your completed dispute form on
October 24, 2014, that provided the police report number that was filed for the
theft of the debit card, we filed a new research case to re-investigate your
fraud claim
We have
confirmed that your debit card ending in *** was reported lost on October 12,
2014, and your new debit card ending in *** was activated on October 19,
We have also confirmed
that on October 29, 2014, final credit of $was issued to your checking
account and two overdraft fees of $23.00, totaling $46.00, were refunded for
the disputed charges We have enclosed a
copy of the letter that was mailed to you on October 30, 2014, that informs you
of the resolution
We apologize
for any inconvenience that you may have experienced due to this issue. Please know that your comments have been
forwarded to the appropriate level of management for review. While we are sincerely dismayed to learn of
your experience, we thank you for making us aware of the details so that we may
improve your future experiences with Huntington
If you have
any additional questions or concerns, you’re welcome to contact me at ###-###-#### or ###-###-####, extension***
Sincerely,
*** ***
Senior Specialist
Customer Advocacy Response Team
Enclosure
CC: Revdex.com
I have reviewed the response made by the business in reference to complaint ID***, and find that this resolution is satisfactory to me
*** *** *** ***
*** *** ***
*** *** *** ***
*** ** ***
The Huntington National Bank (“Huntington”) is in receipt of your complaint filed with the Consumer Financial Protection Bureau (“CFPB”) and the Revdex.com (“Revdex.com”), regarding a recent loan application. You have asked that Huntington respond to you regarding the inquiries made in that letter.
Please know that when an applicant applies for a loan that secures real property that we can only process the application with the information that the applicant providesOnce the information is submitted Huntington will verify the information provided by the applicant by doing an appraisal and a title searchThe title search indicated the property was not in the applicants name and the application was deniedWe are required to send out a copy of the appraisal and denial letter to the address provided on the application which is what you receivedUnfortunately, we will not be offering financial compensation for your inquiry
I understand your frustration, and apologize for the inconvenience you were causedIf you have any questions, please contact me at ###-###-#### or toll free at ###-###-####
Sincerely,
*** ***
*** *** ***
*** *** *** ***
*** *** *** ***
*** **
I’m writing in response to the complaint you filed with the Revdex.com (“Revdex.com”) regarding your checking account ending in
#### held with The Huntington National Bank (“Huntington”). Huntington received this matter on October 24, 2014, for review.
We apologize for any inconvenience that you may have encountered due to your checking account being scheduled to be closed on December 1, 2014. As stated in the account disclosures that were provided when the account was opened, Huntington may close your account at any time with or without cause and with or without notice to you.
I have enclosed a copy of the account disclosures for your records
If you have any additional questions or concerns, you’re welcome to contact our Risk Management Department at (866) 922-
Sincerely,
*** ***
*** *** ***
Priority Response Unit
*** *** ***
*** *** *** ***
** *** *** ***
*** ** ***
*** *** ***
*** * *** **
*** * *** ***
*** ** ***
*** *** ** ***
*** ** *** * ***
*** ***
I’m writing in response to your
complaint to the Revdex.com, received by Huntington National Bank on October 16, 2014, regarding credit score concerns caused by paying off your Huntington Personal Credit LineThank you for allowing us to address your concerns
First, let me say how much we appreciate your business and timely payments on your Huntington accountI understand your frustration and apologize for any inconvenience this matter may have caused youProviding you with an excellent Huntington experience is always our goal
Our research shows that your Huntington personal credit line is and has been reported as paid in full, as agreed, with all three credit reporting agencies: Equifax, Experian and TransunionThere are no derogatory remarks on your credit report regarding the Huntington loan ending in
If your score has declined, it could be because there is no longer credit available to you on this line, or, any number of other reasons which may or may not involve this trade lineQuestions regarding scoring should be directed to the credit reporting agencies
If you have additional questions, you’re welcome to call me directly at ###-###-#### or at ###-###-####, extension #####We appreciate your business and the opportunity to address your concerns
Sincerely,
*** ***
*** ***
Priority Response Unit
Dear *** ***
I’m writing in response to your complaints addressed to the Revdex.com (“Revdex.com”), the Consumer Financial Protection Bureau (“CFPB”) and the Ohio Attorney General’s Office which was subsequently forwarded to the Office of the Comptroller of the Currency (“OCC”)
regarding service you describe that took place at the University Circle branch in Cleveland, OhioWe first received this matter on November 3, for review
This notice is to inform you that we are closing your Huntington accounts, in keeping with our rights as outlined in the Agreement and Disclosure of Account Terms and Rules and RegulationsAfter November 13, 2014, we will accept no further deposits to your accounts previously held with Huntington National Bank (“Huntington”).
We issued a check in the amount of $ $20,for the balances in your checking account ending in #### and the money market account ending in #### that were previously held with HuntingtonWe confirmed this check was cashed on November 14, at ** *** *** Bank
Please note, you were also provided with two cashier’s checks in the amount of $2,and $16,to bring the balance of your estate checking account ending in #### to zeroAccording to our records these cashier’s checks issued to you have been received and cashed
The Money Market received an interest payment of $on November 3, which was not distributed within your previous checkThis account was also accessed a fee of $due to the early closureAs a courtesy we have waived this fee and will be providing you a check including the interested owed to you and the refund of $This check was sent you on November 13, which totals $
Please understand, we take the security of our employees seriously and an internal investigation was completed due to the accusations made during your visit on November 1, At that time, a decision was made to end our relationship with you and to close all accounts held with Huntington National Bank
It is stated in your complaint that you are seeking reimbursement for health issues, and emotional and mental duress that incurred due to this matterPlease understand, while we do not believe we are responsible in any way for these other costs, we are unable to complete a thorough review of the reimbursement you are requesting without proper documentation
*** *** I understand your frustration, and apologize for the service you described in your complaints Please know that the comments provided have been heard and forwarded to the appropriate level of management for review
If you have questions or concerns, please feel free to contact *** *** directly at ###-###-####
Sincerely,
*** ***
*** ***
Customer Advocacy Response Team
Dear *** ***
I’m writing
in response to your complaint filed with the Revdex.com (“Revdex.com”)
regarding payments made to your Huntington Installment Loan account number
ending in #####
Please know
that we have completed a thorough review
of this matter and have found the following:
Processing Center:
Huntington
receives multiple deliveries from the United States Postal Service every day to
our payment processing center at *** *** *** *** *** ***
These items are processed on the date they are
received by using an automated system that first opens the envelopes, the
runs the payment coupon and method of payment through a computer
The computer credits the amount listed on the
payment to the account listed on the payment coupon on the same date the
payment was received
If a payment is received without a payment coupon,
the item is collected and sent to be manually processed to the loan
Speed Payments:
Huntington
offers multiple electronic ways to make payments to your loanOne option is our
Speed Payment system
This system allows you to enter a dollar amount and
account information that you would like the funds to be debited from and a
reference number / check number for your records
Any Speed Payment requested before 4:pm Eastern,
is processed on the same business day
Any Speed Payment requested after 4:pm Eastern,
is processed on the following business day
Speed Payments can be completed by:
a)
Through
our Online Banking product
b)
Through
our Phone Bank customer service’s Interactive Voice Response (IVR) system
c)
Requesting
with a Phone Bank customer service representative
d)
Requesting
with a Huntington collections representative.
*** ***, through our research we found that out of the payments made to
this installment loan, payments were made by our electronic Speed Payment
system; payments by personal check sent to our payment processing center and
payment was extended to the end of the loan (approved by our collections
department)
Please see
the following timeline which shows the last payments made by personal check
and the last payments made by our Speed Payment statement:
November 9, 2012:
Huntington
received and credited to the loan, the enclosed Payment Coupon (of 72) and Personal Check (#####) in the amount of
$This payment was credited to the November 14, paymentPlease
note that the hand written date on the check is November 7,
December 24, 2012:
Huntington
received and credited to the loan, the enclosed Payment Coupon (of 72) and Personal Check (#####) in the amount of
$This payment was credited to the December 14, paymentPlease
note that the hand written date on the check is December 22, 2012.
March 25, 2013:
Huntington
received and credited to the loan, the enclosed Payment Coupon (of 72) and Personal Check (#2697) in the amount of
$This payment was credited to the March 14, paymentPlease note
that the hand written date on the check is March 21,
May 1, 2014:
You called
our Phone Bank customer service at 2:11:pm and completed a Speed Payment through our Interactive
Voice Response (IVR) systemThis payment was credited to the loan on May 1,
to credit the April 14, payment.
June 1, 2014:
You called
our Phone Bank customer service Sunday June 1st at 9:59:am
2:11:pm and completed a Speed Payment
through our Interactive Voice Response (IVR) systemThis payment was credited
to the loan on Monday June 2, to credit the May 14, payment.
June 30, 2014:
You called
our Phone Bank customer service at 8:59:pm and completed a Speed Payment with a Phone Bank
representativeThis payment was credited to the loan on July 1, to credit
the June 14, payment.
August 21, 2014:
Huntington
received the enclosed Personal Check
(#3227) in the amount of $Please note that the hand written date on the
check is August 18, This payment did not include a Payment CouponThis
payment was forwarded to our manual payment processing areaThe $payment
was processed to the account on August 26, to credit both the July and
August 14, payments
Since there
was a delay in the processing of the manual payment, we have backdated the $
payment to August 21, This recalculated the interest charged to this loan
and removed one $late fee
We apologize
for any inconvenience this matter may have caused youPlease know that we have
discussed the delay of the August 26th payment with the appropriate
level of management, so please know that your comments have been heard
As shown in
the timeline, there is not a pattern of Huntington holding or delaying your
payments to this loan
*** ***, as you may know this account is a simple interest installment loanIn a simple interest loan,
interest begins accruing from the day the loan closes. Each time a payment is made on the account,
the amount of interest that will be deducted from that payment is calculated
using the following method:
Principal Balance x Interest Rate ÷
Number of days in the current year x Number of days since the last posted
payment (or, for the first payment, from the day of loan closing) = Interest
due
The amount of
interest due is deducted first from the payment amount you send in, followed by
any late fees or other fees owed. The
amount remaining from the payment is then applied to the principal balance
When the next payment is received, the same formula is used, and is based upon
the new principal balance
Using the formula above, if a payment is made before the due date (14th of the month), less interest
is charged for that payment, therefore, more of the payment amount is applied
to the principal balance, which would result in the account being paid off earlier than the scheduled June 14, maturity
date
However, if the payment is made after
the due date (14th of the month) more interest is charged, and
less is applied to the principal balanceConsequently, more than the regular
monthly payment may be due on the scheduled June 14, maturity date
Our records show that this account is paid up to August 14, A
$payment for September 14, is currently past due.
*** ***, we have enclosed a copy of your installment loan payment history
If you feel that there are any errors on this history, please contact me
directly at ###-###-####, and I will be happy to review your receipts with you
If I may be
of further assistance to you, please feel free to contact me at ###-###-####,
extension #####. We appreciate your
business and the opportunity to respond to your concerns.
Sincerely,
*** ***
*** ***
Customer
Advocacy Response Team
Rejecting until resolved
Regards,
*** ***
I have reviewed the response made by the business in reference to complaint ID #####, and find that this resolution is satisfactory to me
Regards,
*** ***
I’m writing in response to your recent complaint filed through the Revdex.com (“Revdex.com”), regarding a Huntington checking account ending in *** that was closed with an amount owed.
?
Our research confirms that the checking account ending in *** was opened on
February 22, 2011, and was closed on July 2, 2012, with an amount owed of $-of which $were transactions paid on your behalf and the remaining $consisted of fees Enclosed are copies of your checking account statements for your reviewThis account was sold to *** ***, a third party collection agency and Huntington no longer owns the debt nor collects on it
?
To discuss this matter you can reach the collection agency at the following:
?
Lismore Holdings
Telephone Number: ###-###-####
Address: *** *** ***
Cypress TX
?
Unfortunately, Huntington is unable to confirm any collections efforts being made by *** ReceivablesPlease contact *** *** to discuss this matter
You also have the option to dispute any information reported to *** by contacting *** *** or ***. You may contact *** as shown below:
***
Attn: Consumer Relations
*** *** ***, Suite
Woodbury, MN
Ph: ###-###-#### / Email: www.***.com
If I can be of further assistance, you are welcome to call me at ###-###-#### or ###-###-####, extension***
?
Sincerely,
?
*** ***
Senior Research Specialist
cc: Revdex.com
Enclosures
Dear *** ***:
I’m writing
in response to your rebuttal to a complaint filed with the RevDex.com (“Revdex.com”) regarding payments made to your Huntington Installment Loan account
number ending in #####Huntington received this for review on October 20,
It was a pleasure talking with you on the telephone and this letter is a follow
up to our conversation
Thursday October 16,
We
received a call stating that you had questions regarding our RevDex.com response letterPlease note the following details regarding that telephone
call
Huntington processes loan
payments on the same day that they are received
Huntington does not show a record
of a payment received in September
Huntington cannot be held
responsible if a payment is not delivered by the United States Postal
Service (“USPS”)
An agreement was made where you would
contact our customer service to complete an electronic Speed Payment and
contact your financial institution to place a stop payment on the lost
check that was mailed to Huntington in SeptemberHuntington would then
backdate the Speed Payment to pay the September payment as a courtesy
Friday October 17,
2014:
Our records show that you
contacted us and left a voice mail stating that the Speed Payment has been
completed and a stop payment was placed on the missing September payment
Monday October 20,
2014:
After reviewing your voice
message, we verified that the Speed Payment has posted to the loan
We reversed the October 17,
$Speed Payment and applied it to the September’s payment as a
courtesy (Applied effective September 15, 2014)This recalculated the simple
interest owed to the loan and a late fee was no longer charged with that
payment
We verified that on Friday
October 17, 2014, Huntington received check ##### in the amount of $
for your October payment
Huntington credited the enclosed
Payment Coupon (of 72) and Personal
Check (#####) in the amount of $to the October 14,
paymentPlease note that the hand written date on the check is October
15,
*** ***, please remember that Huntington cannot be held responsible for any
delays caused by the United States Postal Service (“USPS”)It is important to mail
your payment a few business days prior to your due date to allow time for the
USPS to deliver your payment to Huntington
If
I may be of further assistance to you, please feel free to contact me at
###-###-####, extension ####. We
appreciate your business and the opportunity to respond to your concerns.
Sincerely,
*** ***
*** ***
Customer
Advocacy Response Team
*** *** *** ***
*** *** ***
*** *** ***
*** *** ***
*** *** ***
*** ***
*** *** **
*** ** ***
***
*** *** ***
*** *** ***
I’m writing in response
to your recent complaint filed through the Revdex.com (“Revdex.com”) regarding an automatic debit that posted to your checking account from PAYPALYour checking account ending in #### has been refunded $in extended overdraft fees as a courtesy
I understand your frustration, and apologize for the inconvenience you were causedProviding you with an excellent Huntington experience is our goal, and we are disappointed when we fall short
This letter is to confirm that your Advantage account was converted to Huntington Bank on March 2, Huntington mailed all customers affected by this acquisition “Welcome” packets in January 2014, on the page titled “The Big Picture “of the packet we notified you that “Checks and Deposit Slips: Continue using them until they run outDirect Deposits and Automatic Transfers will continue without interruption unless we tell you otherwise.” Enclosed is a copy of this section, a full copy of the packet is available upon request
Please contact PAYPAL to cancel this service, if you have already requested this, please provide a copy of the cancellation paperwork in the enclosed postage paid envelope to have the $PAYPAL transaction disputedYour checking account has a current balance of $-18.28, until we receive the requested paperwork your account will remain at a negative balance
As requested in your complaint, your checking account will be closed on September 29, 2014, with an amount owed of $-
If I can be of any assistance or if you have questions, you are welcome to contact me at ########## or ######### extension #####I will happy to assist you
Sincerely,
*** ***
Dear *** * *** ***
?
I’m
writing in response to your complaint filed with the Revdex.com
regarding the concerns with your Huntington Installment Loan account number
ending in ####It was a pleasure talking with you on the telephone and this
letter is a
follow up to our conversation
?
First, please accept our apologies for any inconvenience
this matter may have caused youWe
understand what a difficult time this is for you
As we discussed in our telephone conversation, when a
vehicle is involved in a total loss situation, there could be multiple
companies involved in the repayment of the installment loanEach of these
companies have processing guidelinesThis could cause delays to their payments
to this loanPlease remember, as stated in your personal loan agreement, you
agreed to make a monthly payment of $on the 25th of the month,
until the account is paid in full
?
Please note the following information:
?
August
1, 2014:
Huntington received the second payment to this installment
loanThis left a principal balance owed of $ 30,
August 4, 2014:
You contacted Huntington requesting a payoff
quoteOur Phone Bank Customer Service quoted an amount of $30,(interest
per diem $2.2609), good until August 11,
?
August 20, 2014:
You contacted Huntington requesting a payoff
quoteOur Phone Bank Customer Service quoted an amount of $31,(Interest
per diem $2.2609), good until August 27,
?
August 22, 2014:
Huntington received a letter of Guarantee from *** *** *** Insurance company stating that they will pay Huntington
$25,for the vehicle
On the same day, Huntington reviewed the offer
from the insurance company and approved the amountHuntington then sent a
day payoff quote via fax to *** *** at *** *** *** Insurance
?
August 25, 2014:
A payment of $was due to the loan
?
September 2, 2014:
Huntington received a check in the amount of
$25,(total loss insurance check)Huntington applied the payment to the
principal balance owed to the accountThis left a remaining loan principal
balance of $4,
?
September 2014:
A late fee was assessed to the loan and a late
fee notice was mailed to your attention
?
September 19, 2014:
You contacted our Phone Bank customer service
to inform us that a Warranty Refund request was submitted and a GAP insurance
claim has been filedHuntington also reminded you that a payment was past due
?
September 25, 2014:
A payment of $was due to the loan
?
September 29, 2014:
Huntington received a warranty refund check
from *** *** in the amount of $1,This check was applied as a
principal pay down to the loan on September 29thThis reduced the
principal balance to $2,
?
September 30, 2014:
Huntington received a $2,check from
*** ***This payment was applied as $2,to the principal
balance and $to interest owedSince *** *** did not contact Huntington
for a payoff quote, this left a $balance to this loan ($principal
owed & $Prepayment fee)
?
October 25, 2014:
A payment of $was due to the loan
?
October 27, 2014:
You contacted Huntington requesting a payoff
quoteOur Phone Bank Customer Service quoted an amount of $(interest
per diem $0.0152), good until November 3, You also requested that we
waive another late feeHuntington waived the fee and reduced the payoff quote
to
?
November 3, 2014:
Huntington received an electronic payment (Speed
payment) in the amount of $This payment was applied as a payoff to this
loan
Please remember that Huntington does not have
any control over if or when a warranty refund or GAP insurance payment will be
sent to HuntingtonIt is the customer’s responsibility to continue making
monthly payments until the loan is paid in fullIf the loan would be overpaid,
a refund would be sent to you five to seven business days after the date the
loan was paid in full
?
Please remember that you financed this loan at
*** *** *** acted as a broker and sold the loan to HuntingtonThe
prepayment fee is on our personal loan agreements not only to be able to
provide you the 2.70% interest rate but to help recover a portion of the funds
paid to *** ***
?
*** * *** ***, as a courtesy, we have backdated the $payment you made on
November 3, to September 30, 2014, (The date that we received the final
third party payment / GAP payment) and applied it as a loan payoff This loan adjustment has removed a day
delinquency that Huntington was previously reporting to the national credit
reporting agenciesWe have also waived the $
prepayment fee to this loan as a courtesyThis amount will be sent to you via
check in five to seven business days
?
If
I may be of further assistance to you, please feel free to contact me at
-#########, extension ##### We appreciate
your business and the opportunity to respond to your concerns.
Sincerely,
*** ***
*** ***
Customer
Advocacy Response Team
I have reviewed the response made by the business in reference to complaint ID#####, and find that this resolution is satisfactory to meThank you so much for your understanding
Regards,
*** ***
*** *** *** ***
*** *** ***
*** *** ***
*** *** ***
*** *** ***
*** ***
** *** **
*** ** ***
***
*** *** ***
*** *** ***
I’m writing in response to
your recent complaint filed through the Revdex.com (“Revdex.com”) regarding a $promotional offer for opening a new checking account
Our records indicate that checking account ending in #### was opened on August 4, 2014, through online banking with a promotional offerDue to a system error, the promotional code was not entered onto your account
I understand your frustration, and apologize for the inconvenience you were causedProviding you with an excellent Huntington experience is our goal, and we are disappointed when we fall shortThis matter was forwarded to the appropriate level of management and the decision was made to honor the $promotional code on your account A review of your account confirms that the promotional incentive was deposited into your checking account on October 6, 2014.
If I can be of any assistance or if you have questions, you are welcome to contact me at ###-###-#### or ###-###-####-####I will happy to assist you
Sincerely,
*** ***
*** *** ***
Well, I am not sure if I accept or not. Here is what I do know, I talked to *** *** *** *** about how the loan payments are processed. He was nice and informative, but I still am not sure what happens with the payments when they are received. He has told me that if a payment comes in with a coupon, it is processed on the day it is received. However, my September payment, made with a coupon, has yet to be processed. I have made Octobers payment, mailed within the grace period, actually on the 15th, with a coupon and am still waiting to see when it will be processed. I have made a "speed" payment for September's payment, and have put a stop payment order on my original check. I was told by *** *** that any late fees would be removed and the account would be listed as current. The funny thing is, when I called him on Friday, he is out of the office on Friday, to leave him a message, they had no idea who he was. I gave them his name, and extension number, and on two different occasions both ladies told me that no one by that name worked with Huntington. I was beginning to think I had been talking to a scammer or something. I did finally, after the third attempt, get someone to look him up and transfer me to his voice mail system. So, I am waiting to see what happens from here*** and *** ***
Regards,
*** ***
*** *** *** ***
*** *** *** ***
*** *** ***
*** ** *** *
*** *** ***
*** * ***
*** *** ***
*** ** *** ***
*** *** *** ***
*** *** ***
*** *** ***
I'm writing to respond to your complaint filed with
the Revdex.com (("Revdex.com")r egarding the
availability of funds of the deposit made on September I 1,to your checking account ending in ####
understand your frustration and apologize for the inconvenienceMy research has revealed that
according to your account "Funds Availability Policy" which is part ofyour "Agreement and Disclosure
of Account Terms and Rules and Regulations for Consumer Savings Accounts* ("Rules and
Regulations"), tluntington has the right to delay the availability of a check in some instancesA copy of
the Funds Availability Policy is available upon requestOnce the hold was released you were able to
obtain the funds in the amount of $16O.OO on September 17,
Upon further review I found that on September 18, 14, your checking account was closed in accordance
with Huntington's Account Rules and RegulationsI have enclosed a copy of the letter that was sent to
you informing you of this decisionOn this date we also sent you a check in the amount of $which
represented the balance in the account at the time of account closing
If you have further questions or concerns, you're welcome to call me directly at ##### or
###-###-####, extension ####
*** ***
[redacted]
[redacted]
[redacted]
[redacted]
I’m writing in response to your recent concern...
filed through the Revdex.com (“Revdex.com”) regarding a Huntington checking account being opened in your name and possible identity theft.
Please complete the enclosed Identity Theft Affidavit Form and return it in the enclosed postage paid envelope. Please include copies of the requested documents notated on the Affidavit form and a copy of a police report. It is important to report this to your local police or sheriff's department. Having a police report can help you in clearing up any other credit record issues later on. Once we receive these documents we can complete our research of this matter for you.
If I can be of any assistance or if you have questions, you are welcome to contact me at ###-###-#### or ###-###-#### extension ####. I will happy to assist you.
Sincerely,
[redacted]
Dear [redacted]
I am writing in response to your complaint filed with the Revdex.com (“Revdex.com”) regarding a transaction you did not authorize that was charged on your Huntington National Bank (“Huntington”) MasterCard on September 29, 2014.
We...
reviewed your concern on October 13, 2014 and found that the transaction for $223.19 from Time Warner Cable was not yours. Huntington issued provisional credit for in the amount of $223.19 on October 9, 2014 and refunded the associated overdraft fees of $150.00 and an extended fee for $25.00 totaling $175.00. We confirmed that your debit card was successfully closed on September 10, 2014 due to a potential third party compromise.
At this time, Time Warner Cable has issued a refund to your account totaling $223.19 for the charge in question. The refund was processed to your account ending in #### on October 14, 2014, therefore, Huntington has sent you a letter that the provisional credit for $223.19 will be reversed on October 23, 2014. Please understand that this provisional credit is being reversed but the fee refund totaling $175.00 will remain as a final credit.
We sincerely apologize that the charge initially appeared to be valid due to your previous history with this merchant. For your convenience, I have included copies of the letters that were previously sent to you by our Debit Card Operations department for your records. I understand your frustration and apologize for any miscommunication and inconvenience regarding this matter.
If you have any questions or concerns, please feel free to contact me at ###-###-#### or at ###-###-####, and I’ll be happy to assist you.
Sincerely,
[redacted]
Research Specialist
Priority Response Unit
1.) The original request for a stop payment was for $175.00 check. Not until 4 days after the fact did I find out the stop payment was not effective. Yet, I was still chagred the fee for the stop payment. I should have been informed as soon as I called their customer service department that it would take "x" number of days to process.
2.) After they put the check thru and started charging me I immediately acted and called back and asked if they could suspend the account until I was able to make other arrangements to bring the account up to date and a positive balance. My request was denied and they continued to charge me overdraft charges.
3.) The debit card transactions mentioned in their response took place BEFORE I was aware there was a problem and BEFORE I was aware that they did not process the stop payment on the $175.00. Yet they continued to add additional charges.
4.) I am on the road most of the week and do not always have access to a computer, nor my checkbook register. I do however make it a point to stop in at branches at least 3 times a week. So I do not appreciate the responders comments that I should use a check register. I didn't fall off a pickle truck. I have been a long time customer of Huntington Bank and I have direct deposit. Not until this summer did their customer service start to perfom poorly. I find the response somewhat offensive. It appears they do not appreciate the fact that I do a substantial amount of business with them....on a limited income at that.
5.) Although I appreciate their reversing charges $250.00 in the past ( only because I caught what they were doing ), it was due to their errors. Here is a perfect example and my account reflects as such... they charged me a fee of $37.50 yesterday and today they applied that amount to my checking account. Try explaining that manuever....especially on a federal holiday ?!? The result...my balance was incorrect until 4pm today (est).
This proves my theroy that they jump the gun and slam charges on customers before they have the absolute correct information on an account, which also leads to incorrect text messages that they send me regarding my balances. This is another reason why I never am able to figure out what my balance is. And for this reason I stop in at branches or call their customer service department in hopes they would know the correct balances. Obviously, they have no clue either.
6.) In the past I would stop in a branch and ask for a printout of my account and it was no problem. Two months ago I was told they charge for that service now and that I should use the ATM for a printout. I have used the ATM for this twice now and both times I was charged $4.00. Now tell me they aren't misleading the public and taking advantage of their customers to make up for that 24 Hour grace stuff.
7.) Recently, I opened a new account at their [redacted] branch in [redacted]. Their printer wouldn't work so I was unable to get the paperwork that normally comes with a new account. The teller asked me to stop in later and get the paperwork. I wasn't able to stop back until the next morning and was helped by two other tellers. They printed my paperwork out after trying to figure out how to do it. However, I was not given starter checks for the account. When I inquired about this I was told it was too late to get starter checks and that I would have to order checks and pay for them.
I CONSIDER THIS ENTIRE FIASCO, PURELY UNPROFESSIONAL AND A MAJOR RIP OFF SCHEME !!! As I have been referring my clients to Huntington Bank and had obtained a flyer from the branch to pass out on their behalf, I will no longer do so. I refuse to refer ANY service or company to hard working people who deserve CUSTOMER SERVICE and professionalism.
Regards,
[redacted]