[redacted]
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 September 24, 2014, for review.
We apologize for any inconvenience you may have experienced due to this situation. We have confirmed that there was no stop pay on your account for a payment to [redacted]. Please know that if a customer has stop pays on their account, which your account did, the items that come in to pay within the parameters will reject to us for review. Once it was determined that there is not a stop on for that specific item we check the balance to see if the funds are available. In this case the funds were not available so the payment of $35.13 to [redacted] was returned unpaid on September 4, 2014.
We have verified that your available account balance on September 4, 2014, was $0.10. Please understand that if there were no stop pays on your account, the item still would have been returned unpaid because you had selected to be opted-out of the debit overdraft service for having everyday Check card and ATM transactions to be paid on your account on October 1, 2013.
We have confirmed that the payment of $35.13 to [redacted] on September 4, 2014, did not assess any bank fees to your account for having the item returned as unpaid.
We have also confirmed that your checking account ending in 9166 was updated on September 11, 2014, to opted-in of having everyday Check card and ATM transactions to be paid on your account.
In your complaint you assert that you completed a three-way call with the merchant and our customer service center, we are unable to locate the call you mention.
Due to the fact that there was no stop-pay placed on the payment to [redacted], we are denying your request for reimbursement of the fees that you incurred due to the [redacted] payment being returned.
If you have further comments or questions, you’re welcome to call me directly at ###-###-#### or ###-###-####, extension #####, and I’ll be happy to assist you.
Sincerely,
[redacted]
Customer Advocacy Response Team
I showed ID! I was questioning why they wanted to record it. Makes no sense when cashing a $25.00 check when I have over $8,000.00 in my account and proved my identity. The teller was rude and it was deliberate. All I received was a generic response from the bank. I did however received a call a few days ago from the branch manager, asking me to come in again during the evening hours to see if I get the same treatment. I was told that the employees would be brought up to speed about proving top notch customer service. We will see in a few days when I go back to give them their final try at that branch.
Regards,
[redacted]
[redacted]
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 22, 2014, for...
review.
We have confirmed that there were no checks written from your account. As a courtesy, on October 24, 2014, we refunded the Check Printing Fee of $21.95 that posted to your checking account on April 24, 2012. We apologize for any inconvenience you may have experienced due to this situation.
If you have further comments or questions, you’re welcome to call me directly at ###-###-#### or ###-###-####, extension ####, and I’ll be happy to assist you.
Sincerely,
[redacted]
Customer Advocacy Response Team
Dear
[redacted]:
I’m
writing in response to your complaint filed with the Revdex.com
regarding overdraft fees charged to your Huntington Checking account number
ending in ####.
Please
know that we have completed a thorough review of this matter....
Through our
research we have found the following:
Saturday October 11,
2014:
You
contacted our Phone Bank customer service stating that you wanted to place a
stop payment on a Moneykey transaction. You were not sure of the amount,
therefore Huntington placed the stop payment for you for an amount range from
$100 to $200.Our Phone Bank representative stated that stop payments are not
guaranteed until after 24 hours.
Please
note: Although Huntington’s customer service was open, banking transactions do
not process on weekends or holidays. Monday October 13, 2014 was a national
holiday. All transactions after 11:59 on Friday October 10th through
11:59 on Monday October 13th will be processed with Tuesday October
14th’s transactions.
This
is mentioned in your Agreement and Disclosure of Account Terms and Rules and
Regulations for Consumer Checking Accounts” (“Rules and Regulations”), you
received when you opened this account. A copy of this disclosure is available
upon request.
Tuesday October 14,
2014:
The
Moneykey payday loan transaction in the amount of $175.97 posted to your
checking account. This means that this item was already pending to post to the
account. Therefore the stop payment that you placed could not stop the
transaction from posting. Huntington waived the $31 stop payment fee since the
item could not be processed.
Wednesday October 15,
2014:
Your
account balance at the start of the day was -$135.97. Our records show that you
authorize three debit card transactions for this account. Huntington paid these
items for you as you requested. This brought your account balance to -$164.56.
Thursday October 16,
2014:
A
deposit was not made to cover the items Huntington paid from October 15th.
Huntington assessed three $37.50 overdraft fees ($112.50). Also on October 16th,
you authorized one debit card transaction which Huntington paid for you as you
requested. This brought your account balance to -$281.81.
Friday October 17,
2014:
A
deposit was not made to cover the item Huntington paid from October 16th.
Huntington assessed one $37.50 overdraft fee. Also on October 17th, you
authorized one debit card transaction which Huntington paid for you as you
requested. This brought your account balance to -$281.81.
Monday October 20,
2014:
A
deposit was not made to cover the item Huntington paid from October 17th.
Huntington assessed one $37.50 overdraft fee. This overdraft fee brought your
account balance to -$386.38.
Our
records show that Huntington assessed $187.50 in overdraft fees to this account
between October 14, 2014 and October 20 2014. Huntington waived $100 in
overdraft fees on October 24, 2014. Today we waived another $37.50 fee as a
courtesy. Huntington has now waived $250.00 in overdraft fees on this account
since May 12, 2014.
In
regards to your comments:
“When I spoke to the teller at
the branch and made my deposit, I had her check to make sure I had a
positive balance…”
Please
remember that an item can be presented to Huntington for payment 24 hours per
day (Business Days Only). Our banking office staff and our customer service can
only see what is currently pending on your account. Huntington offers helpful
tools such as Online Banking, Voice Response Unit, Email and text alerts to
assist you with your account balance, however it is the responsibility of our
customers to know the balance in their account and to know what items they have
authorized that are still outstanding.
The
key to avoiding overdraft fees is to maintain an accurate check register.
Thursday October 30,
2014:
Our
records show that on October 30, 2014 Huntington paid a $377.21payment to [redacted] Fee & Payments. This left an account balance of -$46.75.
Our
24 Hour Grace® service allows you to avoid the overdraft situation
provided that you deposit sufficient funds to cover the overdraft as well as
all other items that are deducted from your account that day, so that, at
minimum, your ending balance for that day is $0.00 or higher, after all
transactions through midnight have been processed for the day.
Friday October 31,
2014:
You
completed a deposit in the amount of $450.00. This means since you made a
deposit that brought the account back to a positive balance, and the account
remained positive at the end of the day, Our 24 Hour Grace® service
waived the pending overdraft from October 30th.
In
regards to the service you recently received from our Huntington [redacted] banking office.
Please
accept our apologies for not having delivered the level of service that we are
committed to providing you. I have discussed your comments at length with the
appropriate level of Huntington management, so please know that your opinions
have been heard.
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.
[redacted]
I am writing in response to your complaint to the Revdex.com (“Revdex.com”) regarding a hold on your deposit to your savings account ending in #### held with the Huntington National Bank (“Huntington”).
My research has...
revealed that according to your account “Funds Availability Policy” which is part of your“Agreement and Disclosure of Account Terms and Rules and Regulations” (“Rules and Regulations”), Huntington has the right to delay the availability of a check in some instances. A copy is available upon request.
Although the banking office may indicate that a hold may not be placed on a deposited check, the decision to place a hold is not determined by our banking offices associates but instead the decision is made within our Risk Mitigation Department (“RMD”) after the deposit is processed in the banking office. Huntington strictly adheres to the timelines required in the federal regulations about notifying customers when an extended hold is placed on an item deposited into a checking account.
The length of time for the hold is determined by the routing number of the check. Holds can vary from 2 to 5 days and extended holds from 7 to 10 days. A notification letter is sent to the customer when the determination to place a hold is made.
On September 11, 2014, a hold was placed on your deposit which released $4,500.00 on September 15, 2014, two business days following the date of the deposit and released $9,809.00 on September 18, 2014 five business days following the deposit. On this day, a letter was sent to you informing you of the hold.
The Huntington National Bank regrets any inconvenience this may have caused. Please know I have forwarded and discussed your concerns at length with the proper level of management
If I can assist you in the future, you’re welcome to contact me at######## or toll free at###########, extension #######
Sincerely,
[redacted]
[redacted]
I am an account holder at Huntington national bank. I was not apologized for the unprofessionalism of its staff, I was just briefly told why I was unable to get change. The fact that cooperate cannot admit to its mistakes is a reason why on Monday I will be going into the branch and closing my account. I understand that I was there for a business and the reason I was not given change but I do not understand why I was not told this from the beginning instead of being lied to. I'm a very disappointed with this business.
Regards,
[redacted]
recent complaint filed through the Revdex.com (“Revdex.com”) regarding the service received at the [redacted] branch.
I understand your frustration, and apologize for the inconvenience you described in your compliant. Providing you with an excellent Huntington experience is our goal, and we are disappointed when we fall short. Please know that your comments regarding the service provided have been heard and forwarded to the appropriate level of management.
Please understand that when cashing a check at a branch, customers are required to provide a primary form of identification to cash the check. There can be an exception made to this requirement in some cases if the banker knows the customer.
Examples of primary identification include:
· Unexpired US Driver’s License with Photo*
o If presented with a foreign or international driver’s license, customer must also have a valid passport or unexpired INS issued non-resident alien “Green Card” showing photo, nationality or residency and ID number.
· Unexpired State Issued ID (Non-driver) with Photo*
· Unexpired Government ID issued by Federal, State, or Local Government with Photo
· Unexpired Passport (Visa with a non-resident alien), with Photo Issued by US or a Foreign Country with Photo, Country of Issuance and ID Number
· Unexpired INS Issued Non-resident Alien ”Green Card” with Photo
· Mexican Matricula ID
[redacted], we apologize for your frustrations in regarding this matter. You are a valued customer and your business is greatly appreciated. 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]
Senior Research Specialist
I'm writing in response to your correspondence addressed to the Consumer Financial Protection
Bureau ("CFPB") and the Revdex.com ("Revdex.comn) about your Installment loan account
number ending in #### with The Huntington National Bank ("Huntingtonn). It was a pleasure talking
with you on...
the telephone and this letter is a follow up to our conversation.
We certainly understand your frustration, and apologize for the inconvenience you were caused.
We have discussed your comments at length with the appropriate level of Huntington management,
so please know that your opinions have been heard.
Please note the following information:
January 20,2014:
Huntington received notification from [redacted] insurance that there was a change in your insurance
coverage. Your policy no longer included collision insurance.
February 12,2014:
Huntington sent the enclosed letter stating:
"Thank you for recently financing your vehicle with The Huntington National Bank. The terms of your
loan agreement require you to furnish evidence of physical damage insurance coverage for the
vehicle listed below. As of the date of this letter, our files do not contain evidence of this coverage". A
copy of your personal loan agreement is available upon request.
February 26,2014:
Huntington sent the enclosed letter stating:
"This is a reminder that the Huntington National Bank must receive evidence of physical damage
insurance coverage for the vehicle listed below. As of the date of this letter, our files do not contain
evidence of such coverage which is required by the terms of your loan agreement",
This notice also states: "The Huntington National Bank may purchase insurance coverage effective
January 20,2014 and and add the yearly premium of $1,465.00 to your loan principal balance. The
resulting increase in your loan balance may increase your loan payment.. .".
March 12,2014:
Huntington purchased an insurance policy on your behalf to protect our security interest in the
collateral of your instalment loan. We have enclosed a copy of this letter and insurance policy for your
review.
Member FDIC $I" and Huntingtonmare federally registered service marks of Huntington Bancshares Incorporated.
At this time, your monthly loan payment increased from $308.87 to $356.41 effective for your May 6,
2014 payment. This is an increase of $47.57.
August 8,2014:
Huntington received notice that you have obtained an insurance policy that complies with the terms of
the loan agreement. Huntington prorated the insurance policy that was purchased on your behalf.
from $1,465.00 to $803.00.This reduced the principal balance by $662.00.
September 25,2014:
In our telephone conversation we discussed the following:
You stated that you understand that you will need to make the increased monthly payment of
$356.41 until the $803.00 is repaid. You do have the option to make a single payment of
$803 or any other amount that you are comfortable with.
Our records show that you have continued to make monthly payments in the amount of
$308.87, when the monthly payment should have been $356.41. Due to this, your account
has been assessed five $35 late fees and is currently 50 days past due (due for the August 6,
2014 payment).
As discussed in our conversation, you agreed to mail a payment of $237.67 to my attention.
When we received this payment we applied $47.57 to each of your monthly payments as
shown below.
1. The $47.57 payment increase amount that was not paid for the May 6,2014 payment.
2. The $47.57 payment increase amount that was not paid for the June 6,2014 payment.
3. The $47.57 payment increase amount that was not paid for the July 6, 2014 payment.
4. The $47.57 payment increase amount that was not paid for the August, 2014 payment.
5. The $47.57 payment increase amount that was not paid for the September 6,2014
payment.
This has completed each of these payments as timely, the late fees were removed and the
Huntington has updated the national credit reporting agencies.
[redacted] we sincerely apologize for any confusion you may have experienced. If you would like to
discuss this further, you are welcome to call me directly at ###-###-#### or ###-###-####,
extension #####
Sincerely,
[redacted]
[redacted]
Customer Advocacy Response Team
Dear Ms. [redacted]:
This letter is in response to the Revdex.com complaint number [redacted] regarding the Huntington ATM location at our Cleveland Avenue banking office in Columbus, Ohio. Huntington received this matter on November 7, 2014 for review.
Please understand, our...
ATM machines are set up to take the card and keep that card until the transaction(s) are complete. This is a security measure taken in order to protect you and your account information. Huntington has a policy that if a non-Huntington card is captured by a Huntington ATM machine it is unable to be redistributed.
Please understand we are unable to determine why a non-Huntington card is captured. At that time, you would need to contact your banking institution to receive a new card.
We apologize for any inconvenience this experience may have caused you. Please know, the comments concerning the service you described you received from our bank employees has been heard and forwarded the appropriate level of management so any necessary improvements can be made.
?
If you have any additional questions or concerns, you’re welcome to contact me at ###-###-#### or ###-###-####, extension [redacted].
Sincerely,
[redacted]
Research Specialist
Customer Advocacy Response Team
[redacted]
[redacted]
[redacted]
[redacted]
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 September 29, 2014, for review.
We apologize for any inconvenience you may have experienced due to this situation. A review of your account shows that on October 2, 2014, we refunded the two overdraft fees of $37.50 and the two extended overdraft fees of $25.00, for a total of $112.00. These fees were caused by the payment of $14.25 to Paypal being returned as unpaid on September 16, 2014, and September 23, 2014.
We have confirmed that a stop-pay was submitted on October 2, 2014, for future $14.25 payments to Paypal. The stop-pay will expire on October 1, 2016.
If you have further comments or questions, you’re welcome to call me directly at ###-###-#### or ###-###-####, extension #####, and I’ll be happy to assist you.
Sincerely,
[redacted]
[redacted]
Customer Advocacy Response Team
no solution has been offered, Advising me to get another ATM card is an insult to my intelligence as I obviously needed to take this course of action in order to travel out of the country 48 hours after my card was destroyed. The representative who responded to my Revdex.com claim, [redacted], is unable to determine why non-Huntington cards are captured, which I find to be a terrible business practice. I would hope that Huntington would be able to determine and articulate exactly how/why this happens as it is one of their policies. Thus, this response is unacceptable. Additionally, as stated in my initial claim, there should be visible signage at their ATMS informing patrons of this policy. Although I have never before used the ATM at this particular branch, I have used other Huntington ATMS and paid a fee, but have never had my card destroyed. Had I known this would be the outcome, I certainly would not have used the ATM.
Dear
Mr. [redacted]:
I’m
writing in response to your complaint filed with the Revdex.com
regarding a Pass-A-Payment for your Huntington installment loan account number
ending in[redacted]. 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 you. Please note the following:
Pass-A-Payment:
·
We have verified that you are eligible for a Pass-A-Payment
on your installment loan.
·
We reversed the September 25, 2014
$50 payment.
·
Applied a Pass-A-Payment for your
September 27, 2014 payment.
·
Applied the $50 payment to the fee
owed for using a Pass-A-Payment.
·
This loan adjustment removed late
fees charged for this occurrence.
·
The November 4, 2014 $425.00 payment
has paid your October 27, 2014 payment.
·
Your next payment due date is now
November 27, 2014.
Payment Booklet:
We have ordered a payment
booklet. This booklet will be sent to you in 7 to 10 business days.
Until the payment booklet
arrives, you may continue to make your payments via ACH or you can mail
your payments to:
THE HUNTINGTON NATIONAL BANK
PAYMENT PROCESSING
P.O. BOX 182519
COLUMBUS, OHIO 43218-2519
If you choose to mail your
payment to the address listed above, please make sure to write your loan
account number in the memo field of your payment.
Mr.
[redacted], we appreciate your feedback and sincerely apologize that we did not
meet your expectations. We have discussed this case with Ms. [redacted]’s
management, so please know that your comments have been heard.
?
If you
have additional questions, please feel free to call me directly at ###-###-####
or at ###-###-####, extension[redacted]. We appreciate your business and the
opportunity to address your concerns.
?
As can be seen in the letter from Huntington, the results of their letter to Equifax will not be known for 30-45 days. We received the same letter once before and contacted them when nothing changed after 60 days. If possible we would like to keep this matter open until we see that our credit scores are what they were before Huntington fraudulently sent a loan through in our names.
On 5/3/2016 I made a payment to my rental company for 1650.00 my bank returned it. They have never returned this payment before I had money in this account and other accounts. I called my bank on 5/5/16 when I seen it was returned. I asked rep if I should replace payment with rental company or was it going to come through again. She said NO dont repay it..it will come back through on monday which would be 5/9/16 I seen it didnt come back and contacted my rent company they said that I needed to replace payment at this time I had a fee of 70.00,75.00, and 30.00 for nsf....She told me that if I replaced the payment they would wave the fees since this has never happened so I sent a check through billpay...I then find out through billpay that they wouldnt get it to the 17th that was too long. I then contacted my bank again on 5/11 around 9am they said they could stop payment on it and that will put my money back in my account that night but I needed to go to the branch. I drove 20 minutes to the branch waited 30 minutes for him to tell me he couldnt do it I needed to call customer service. When I got back home around 230 I called customer service she said she was putting a stop payment on this and my 1680.00 would be back in my account by that night I also spoke with supervisor and told her that I need my money because rental company is willing to waive fees if I pay by tomorrow morning. I checked my account at 7 am on 5/12 only for the money to not be there...I called back spoke with a rep she said that the stop payment was placed on the wrong account which I dont understand I had only 1 billpay on 1 account. I asked to speak with a supervisor who was very rude. I explained that Im going to get an eviction if this isnt rectified today and then they would need to pay for that since they misinformed me of times and didnt deposit my money back like they said they would and it was a bank error by placing on wrong account. I then asked to speak with her supervisor which Christy informed me was Michelle but she refused to let me. she then just put me on hold came back with a case number 0040-12may16 she said this was a dispute number...Im not sure what is going on with my money and if stop payment was placed...when Im getting my money back and Im about to get evicted...I want my bank to pay for these fees of 70+75+30nsf+31stop payment fee=206.00 and eviction cost because if I wouldve paid this morning my rental company was willing to waive those fees due to bank error and placing on wrong account the fees wont be waived and its possible I will get an eviction.I want them to pay fees of 70+75+30+31stop payment fee=206.00 and cost if eviction is filed.
[redacted]
[redacted]
I’m writing to respond to
your complaint filed with the Revdex.com (“Revdex.com”) regarding the service
you received at the [redacted] banking office. ...
Please understand that due to
currency and security restrictions, the branches are limited to the amount of
funds available on any given day. We require business that request change
orders to hold an account with the Huntington National Bank
(“Huntington”). For our business account
holders we require change orders be requested in advance to allow the branch to
accommodate for the extra currency that may be needed.
At the time of your visit we
were informed that your employer does not hold a business account with
Huntington. Therefore, we were unable to
accommodate your change request.
However, we were able to provide you with a $100.00 in five dollar bills,
as a courtesy.
We regret that our service
did not meet the standards that you and Huntington expect to be offered to our
customers. I have discussed your comments with the appropriate level of
management. While we are sincerely dismayed to learn of your experience, we thank
you for making us aware of the details so that we may improve the services of
the bank.
If you have further questions
or concerns, you’re welcome to call me directly at ###-###-#### or ###-###-####, extension ####
Sincerely,
[redacted]
[redacted]
[redacted]
**
This letter is in response to your recent correspondence sent to the Revdex.com (“Revdex.com”) regarding 24 Hour Grace™...
service not covering return fees charged on your checking account. Because we appreciate your business and we realize you feel that 24-Hour Grace® was not clearly explained to you, on October 2, 2014 the Return Item Fee of $23.00 was waived as a courtesy.
Please note the following information about 24-Hour Grace® and check/ACH (Automated Clearing House) return fees:
· The ACH item that was presented on your account was returned because there was not enough money in your account to cover the item when it was presented to us for payment. Each time we get an item presented for payment that exceeds the account balance, we decide whether to return it or pay it. Please note that our decision to return or pay the item is based on customer history, amount of the item, account balance and credit history.
· If an item is returned because there is not enough money in the account to cover it, the item amount is not deducted from the account, and no overdraft occurs. For example, a customer’s checking account balance is currently $50, and a check he wrote for $100 is presented to us for payment. If we return the check instead of paying it, his account balance stays at $50 and there is no account overdraft. Returned checks are subject to a fee.
· If we pay it, the item amount is deducted from the account, causing an overdraft. 24 Hour Grace™ applies only when we pay the item and an overdraft occurs. In that case, the customer has the opportunity to correct the overdraft by depositing sufficient funds on the next business day, at which time we could waive the overdraft fee. In printed materials as well as our website description, it states that the 24 Hour Grace™ service cannot be used to waive return fees.
I apologize for any inconvenience this matter has brought to you. If you have further questions, please call me at ###-###-#### or ###-###-####, and I’ll be happy to assist you.
Sincerely,
[redacted]
[redacted]
My Bank placed stop payment on wrong account causing me to have to wait an additional day to get funds returned to my account. My rental company was offering to waive fees of 145.00 if I made payment, but since they placed stop payment on the wrong account I didnt make the deadline. I want my bank to pay me the 145.00 in fees that I have to pay my rental company due to this error. They made a mistake and I have to pay for it. They offered to contact rental company, and admit error but that does not change the fact that my rental company charged me a 145.00 and they should be responsible due to their negligence.
Regards, [redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted] ...
[redacted]
[redacted]
[redacted]
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 September 24, 2014, for review.
We apologize for any inconvenience you may have experienced due to this situation. We have confirmed that there was no stop pay on your account for a payment to [redacted]. Please know that if a customer has stop pays on their account, which your account did, the items that come in to pay within the parameters will reject to us for review. Once it was determined that there is not a stop on for that specific item we check the balance to see if the funds are available. In this case the funds were not available so the payment of $35.13 to [redacted] was returned unpaid on September 4, 2014.
We have verified that your available account balance on September 4, 2014, was $0.10. Please understand that if there were no stop pays on your account, the item still would have been returned unpaid because you had selected to be opted-out of the debit overdraft service for having everyday Check card and ATM transactions to be paid on your account on October 1, 2013.
We have confirmed that the payment of $35.13 to [redacted] on September 4, 2014, did not assess any bank fees to your account for having the item returned as unpaid.
We have also confirmed that your checking account ending in 9166 was updated on September 11, 2014, to opted-in of having everyday Check card and ATM transactions to be paid on your account.
In your complaint you assert that you completed a three-way call with the merchant and our customer service center, we are unable to locate the call you mention.
Due to the fact that there was no stop-pay placed on the payment to [redacted], we are denying your request for reimbursement of the fees that you incurred due to the [redacted] payment being returned.
If you have further comments or questions, you’re welcome to call me directly at ###-###-#### or ###-###-####, extension #####, and I’ll be happy to assist you.
Sincerely,
[redacted]
Customer Advocacy Response Team
I showed ID! I was questioning why they wanted to record it. Makes no sense when cashing a $25.00 check when I have over $8,000.00 in my account and proved my identity. The teller was rude and it was deliberate. All I received was a generic response from the bank. I did however received a call a few days ago from the branch manager, asking me to come in again during the evening hours to see if I get the same treatment. I was told that the employees would be brought up to speed about proving top notch customer service. We will see in a few days when I go back to give them their final try at that branch.
Regards,
[redacted]
[redacted]
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 22, 2014, for...
review.
We have confirmed that there were no checks written from your account. As a courtesy, on October 24, 2014, we refunded the Check Printing Fee of $21.95 that posted to your checking account on April 24, 2012. We apologize for any inconvenience you may have experienced due to this situation.
If you have further comments or questions, you’re welcome to call me directly at ###-###-#### or ###-###-####, extension ####, and I’ll be happy to assist you.
Sincerely,
[redacted]
Customer Advocacy Response Team
Dear
[redacted]:
I’m
writing in response to your complaint filed with the Revdex.com
regarding overdraft fees charged to your Huntington Checking account number
ending in ####.
Please
know that we have completed a thorough review of this matter....
Through our
research we have found the following:
Saturday October 11,
2014:
You
contacted our Phone Bank customer service stating that you wanted to place a
stop payment on a Moneykey transaction. You were not sure of the amount,
therefore Huntington placed the stop payment for you for an amount range from
$100 to $200.Our Phone Bank representative stated that stop payments are not
guaranteed until after 24 hours.
Please
note: Although Huntington’s customer service was open, banking transactions do
not process on weekends or holidays. Monday October 13, 2014 was a national
holiday. All transactions after 11:59 on Friday October 10th through
11:59 on Monday October 13th will be processed with Tuesday October
14th’s transactions.
This
is mentioned in your Agreement and Disclosure of Account Terms and Rules and
Regulations for Consumer Checking Accounts” (“Rules and Regulations”), you
received when you opened this account. A copy of this disclosure is available
upon request.
Tuesday October 14,
2014:
The
Moneykey payday loan transaction in the amount of $175.97 posted to your
checking account. This means that this item was already pending to post to the
account. Therefore the stop payment that you placed could not stop the
transaction from posting. Huntington waived the $31 stop payment fee since the
item could not be processed.
Wednesday October 15,
2014:
Your
account balance at the start of the day was -$135.97. Our records show that you
authorize three debit card transactions for this account. Huntington paid these
items for you as you requested. This brought your account balance to -$164.56.
Thursday October 16,
2014:
A
deposit was not made to cover the items Huntington paid from October 15th.
Huntington assessed three $37.50 overdraft fees ($112.50). Also on October 16th,
you authorized one debit card transaction which Huntington paid for you as you
requested. This brought your account balance to -$281.81.
Friday October 17,
2014:
A
deposit was not made to cover the item Huntington paid from October 16th.
Huntington assessed one $37.50 overdraft fee. Also on October 17th, you
authorized one debit card transaction which Huntington paid for you as you
requested. This brought your account balance to -$281.81.
Monday October 20,
2014:
A
deposit was not made to cover the item Huntington paid from October 17th.
Huntington assessed one $37.50 overdraft fee. This overdraft fee brought your
account balance to -$386.38.
Our
records show that Huntington assessed $187.50 in overdraft fees to this account
between October 14, 2014 and October 20 2014. Huntington waived $100 in
overdraft fees on October 24, 2014. Today we waived another $37.50 fee as a
courtesy. Huntington has now waived $250.00 in overdraft fees on this account
since May 12, 2014.
In
regards to your comments:
“When I spoke to the teller at
the branch and made my deposit, I had her check to make sure I had a
positive balance…”
Please
remember that an item can be presented to Huntington for payment 24 hours per
day (Business Days Only). Our banking office staff and our customer service can
only see what is currently pending on your account. Huntington offers helpful
tools such as Online Banking, Voice Response Unit, Email and text alerts to
assist you with your account balance, however it is the responsibility of our
customers to know the balance in their account and to know what items they have
authorized that are still outstanding.
The
key to avoiding overdraft fees is to maintain an accurate check register.
Thursday October 30,
2014:
Our
records show that on October 30, 2014 Huntington paid a $377.21payment to [redacted] Fee & Payments. This left an account balance of -$46.75.
Our
24 Hour Grace® service allows you to avoid the overdraft situation
provided that you deposit sufficient funds to cover the overdraft as well as
all other items that are deducted from your account that day, so that, at
minimum, your ending balance for that day is $0.00 or higher, after all
transactions through midnight have been processed for the day.
Friday October 31,
2014:
You
completed a deposit in the amount of $450.00. This means since you made a
deposit that brought the account back to a positive balance, and the account
remained positive at the end of the day, Our 24 Hour Grace® service
waived the pending overdraft from October 30th.
In
regards to the service you recently received from our Huntington [redacted] banking office.
Please
accept our apologies for not having delivered the level of service that we are
committed to providing you. I have discussed your comments at length with the
appropriate level of Huntington management, so please know that your opinions
have been heard.
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,
[redacted]
[redacted]
Customer
Advocacy Response Team
[redacted]
I am writing in response to your complaint to the Revdex.com (“Revdex.com”) regarding a hold on your deposit to your savings account ending in #### held with the Huntington National Bank (“Huntington”).
My research has...
revealed that according to your account “Funds Availability Policy” which is part of your“Agreement and Disclosure of Account Terms and Rules and Regulations” (“Rules and Regulations”), Huntington has the right to delay the availability of a check in some instances. A copy is available upon request.
Although the banking office may indicate that a hold may not be placed on a deposited check, the decision to place a hold is not determined by our banking offices associates but instead the decision is made within our Risk Mitigation Department (“RMD”) after the deposit is processed in the banking office. Huntington strictly adheres to the timelines required in the federal regulations about notifying customers when an extended hold is placed on an item deposited into a checking account.
The length of time for the hold is determined by the routing number of the check. Holds can vary from 2 to 5 days and extended holds from 7 to 10 days. A notification letter is sent to the customer when the determination to place a hold is made.
On September 11, 2014, a hold was placed on your deposit which released $4,500.00 on September 15, 2014, two business days following the date of the deposit and released $9,809.00 on September 18, 2014 five business days following the deposit. On this day, a letter was sent to you informing you of the hold.
The Huntington National Bank regrets any inconvenience this may have caused. Please know I have forwarded and discussed your concerns at length with the proper level of management
If I can assist you in the future, you’re welcome to contact me at######## or toll free at###########, extension #######
Sincerely,
[redacted]
[redacted]
I am an account holder at Huntington national bank. I was not apologized for the unprofessionalism of its staff, I was just briefly told why I was unable to get change. The fact that cooperate cannot admit to its mistakes is a reason why on Monday I will be going into the branch and closing my account. I understand that I was there for a business and the reason I was not given change but I do not understand why I was not told this from the beginning instead of being lied to. I'm a very disappointed with this business.
Regards,
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
I’m writing in response to your...
recent complaint filed through the Revdex.com (“Revdex.com”) regarding the service received at the [redacted] branch.
I understand your frustration, and apologize for the inconvenience you described in your compliant. Providing you with an excellent Huntington experience is our goal, and we are disappointed when we fall short. Please know that your comments regarding the service provided have been heard and forwarded to the appropriate level of management.
Please understand that when cashing a check at a branch, customers are required to provide a primary form of identification to cash the check. There can be an exception made to this requirement in some cases if the banker knows the customer.
Examples of primary identification include:
· Unexpired US Driver’s License with Photo*
o If presented with a foreign or international driver’s license, customer must also have a valid passport or unexpired INS issued non-resident alien “Green Card” showing photo, nationality or residency and ID number.
· Unexpired State Issued ID (Non-driver) with Photo*
· Unexpired Government ID issued by Federal, State, or Local Government with Photo
· Unexpired Passport (Visa with a non-resident alien), with Photo Issued by US or a Foreign Country with Photo, Country of Issuance and ID Number
· Unexpired INS Issued Non-resident Alien ”Green Card” with Photo
· Mexican Matricula ID
[redacted], we apologize for your frustrations in regarding this matter. You are a valued customer and your business is greatly appreciated. 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]
Senior Research Specialist
I'm writing in response to your correspondence addressed to the Consumer Financial Protection
Bureau ("CFPB") and the Revdex.com ("Revdex.comn) about your Installment loan account
number ending in #### with The Huntington National Bank ("Huntingtonn). It was a pleasure talking
with you on...
the telephone and this letter is a follow up to our conversation.
We certainly understand your frustration, and apologize for the inconvenience you were caused.
We have discussed your comments at length with the appropriate level of Huntington management,
so please know that your opinions have been heard.
Please note the following information:
January 20,2014:
Huntington received notification from [redacted] insurance that there was a change in your insurance
coverage. Your policy no longer included collision insurance.
February 12,2014:
Huntington sent the enclosed letter stating:
"Thank you for recently financing your vehicle with The Huntington National Bank. The terms of your
loan agreement require you to furnish evidence of physical damage insurance coverage for the
vehicle listed below. As of the date of this letter, our files do not contain evidence of this coverage". A
copy of your personal loan agreement is available upon request.
February 26,2014:
Huntington sent the enclosed letter stating:
"This is a reminder that the Huntington National Bank must receive evidence of physical damage
insurance coverage for the vehicle listed below. As of the date of this letter, our files do not contain
evidence of such coverage which is required by the terms of your loan agreement",
This notice also states: "The Huntington National Bank may purchase insurance coverage effective
January 20,2014 and and add the yearly premium of $1,465.00 to your loan principal balance. The
resulting increase in your loan balance may increase your loan payment.. .".
March 12,2014:
Huntington purchased an insurance policy on your behalf to protect our security interest in the
collateral of your instalment loan. We have enclosed a copy of this letter and insurance policy for your
review.
Member FDIC $I" and Huntingtonmare federally registered service marks of Huntington Bancshares Incorporated.
At this time, your monthly loan payment increased from $308.87 to $356.41 effective for your May 6,
2014 payment. This is an increase of $47.57.
August 8,2014:
Huntington received notice that you have obtained an insurance policy that complies with the terms of
the loan agreement. Huntington prorated the insurance policy that was purchased on your behalf.
from $1,465.00 to $803.00.This reduced the principal balance by $662.00.
September 25,2014:
In our telephone conversation we discussed the following:
You stated that you understand that you will need to make the increased monthly payment of
$356.41 until the $803.00 is repaid. You do have the option to make a single payment of
$803 or any other amount that you are comfortable with.
Our records show that you have continued to make monthly payments in the amount of
$308.87, when the monthly payment should have been $356.41. Due to this, your account
has been assessed five $35 late fees and is currently 50 days past due (due for the August 6,
2014 payment).
As discussed in our conversation, you agreed to mail a payment of $237.67 to my attention.
When we received this payment we applied $47.57 to each of your monthly payments as
shown below.
1. The $47.57 payment increase amount that was not paid for the May 6,2014 payment.
2. The $47.57 payment increase amount that was not paid for the June 6,2014 payment.
3. The $47.57 payment increase amount that was not paid for the July 6, 2014 payment.
4. The $47.57 payment increase amount that was not paid for the August, 2014 payment.
5. The $47.57 payment increase amount that was not paid for the September 6,2014
payment.
This has completed each of these payments as timely, the late fees were removed and the
Huntington has updated the national credit reporting agencies.
[redacted] we sincerely apologize for any confusion you may have experienced. If you would like to
discuss this further, you are welcome to call me directly at ###-###-#### or ###-###-####,
extension #####
Sincerely,
[redacted]
[redacted]
Customer Advocacy Response Team
Dear Ms. [redacted]:
This letter is in response to the Revdex.com complaint number [redacted] regarding the Huntington ATM location at our Cleveland Avenue banking office in Columbus, Ohio. Huntington received this matter on November 7, 2014 for review.
Please understand, our...
ATM machines are set up to take the card and keep that card until the transaction(s) are complete. This is a security measure taken in order to protect you and your account information. Huntington has a policy that if a non-Huntington card is captured by a Huntington ATM machine it is unable to be redistributed.
Please understand we are unable to determine why a non-Huntington card is captured. At that time, you would need to contact your banking institution to receive a new card.
We apologize for any inconvenience this experience may have caused you. Please know, the comments concerning the service you described you received from our bank employees has been heard and forwarded the appropriate level of management so any necessary improvements can be made.
?
If you have any additional questions or concerns, you’re welcome to contact me at ###-###-#### or ###-###-####, extension [redacted].
Sincerely,
[redacted]
Research Specialist
Customer Advocacy Response Team
[redacted]
[redacted]
[redacted]
[redacted]
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 September 29, 2014, for review.
We apologize for any inconvenience you may have experienced due to this situation. A review of your account shows that on October 2, 2014, we refunded the two overdraft fees of $37.50 and the two extended overdraft fees of $25.00, for a total of $112.00. These fees were caused by the payment of $14.25 to Paypal being returned as unpaid on September 16, 2014, and September 23, 2014.
We have confirmed that a stop-pay was submitted on October 2, 2014, for future $14.25 payments to Paypal. The stop-pay will expire on October 1, 2016.
If you have further comments or questions, you’re welcome to call me directly at ###-###-#### or ###-###-####, extension #####, and I’ll be happy to assist you.
Sincerely,
[redacted]
[redacted]
Customer Advocacy Response Team
no solution has been offered, Advising me to get another ATM card is an insult to my intelligence as I obviously needed to take this course of action in order to travel out of the country 48 hours after my card was destroyed. The representative who responded to my Revdex.com claim, [redacted], is unable to determine why non-Huntington cards are captured, which I find to be a terrible business practice. I would hope that Huntington would be able to determine and articulate exactly how/why this happens as it is one of their policies. Thus, this response is unacceptable. Additionally, as stated in my initial claim, there should be visible signage at their ATMS informing patrons of this policy. Although I have never before used the ATM at this particular branch, I have used other Huntington ATMS and paid a fee, but have never had my card destroyed. Had I known this would be the outcome, I certainly would not have used the ATM.
Dear
Mr. [redacted]:
I’m
writing in response to your complaint filed with the Revdex.com
regarding a Pass-A-Payment for your Huntington installment loan account number
ending in[redacted]. 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 you. Please note the following:
Pass-A-Payment:
·
We have verified that you are eligible for a Pass-A-Payment
on your installment loan.
·
We reversed the September 25, 2014
$50 payment.
·
Applied a Pass-A-Payment for your
September 27, 2014 payment.
·
Applied the $50 payment to the fee
owed for using a Pass-A-Payment.
·
This loan adjustment removed late
fees charged for this occurrence.
·
The November 4, 2014 $425.00 payment
has paid your October 27, 2014 payment.
·
Your next payment due date is now
November 27, 2014.
Payment Booklet:
We have ordered a payment
booklet. This booklet will be sent to you in 7 to 10 business days.
Until the payment booklet
arrives, you may continue to make your payments via ACH or you can mail
your payments to:
THE HUNTINGTON NATIONAL BANK
PAYMENT PROCESSING
P.O. BOX 182519
COLUMBUS, OHIO 43218-2519
If you choose to mail your
payment to the address listed above, please make sure to write your loan
account number in the memo field of your payment.
Mr.
[redacted], we appreciate your feedback and sincerely apologize that we did not
meet your expectations. We have discussed this case with Ms. [redacted]’s
management, so please know that your comments have been heard.
?
If you
have additional questions, please feel free to call me directly at ###-###-####
or at ###-###-####, extension[redacted]. We appreciate your business and the
opportunity to address your concerns.
?
Sincerely,
[redacted]
Senior
Specialist
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.
However, I would appreciate being reimbursed for the 9 hours and numerous phone calls to both you and the merchant.
Regards,
[redacted]
As can be seen in the letter from Huntington, the results of their letter to Equifax will not be known for 30-45 days. We received the same letter once before and contacted them when nothing changed after 60 days. If possible we would like to keep this matter open until we see that our credit scores are what they were before Huntington fraudulently sent a loan through in our names.
On 5/3/2016 I made a payment to my rental company for 1650.00 my bank returned it. They have never returned this payment before I had money in this account and other accounts. I called my bank on 5/5/16 when I seen it was returned. I asked rep if I should replace payment with rental company or was it going to come through again. She said NO dont repay it..it will come back through on monday which would be 5/9/16 I seen it didnt come back and contacted my rent company they said that I needed to replace payment at this time I had a fee of 70.00,75.00, and 30.00 for nsf....She told me that if I replaced the payment they would wave the fees since this has never happened so I sent a check through billpay...I then find out through billpay that they wouldnt get it to the 17th that was too long. I then contacted my bank again on 5/11 around 9am they said they could stop payment on it and that will put my money back in my account that night but I needed to go to the branch. I drove 20 minutes to the branch waited 30 minutes for him to tell me he couldnt do it I needed to call customer service. When I got back home around 230 I called customer service she said she was putting a stop payment on this and my 1680.00 would be back in my account by that night I also spoke with supervisor and told her that I need my money because rental company is willing to waive fees if I pay by tomorrow morning. I checked my account at 7 am on 5/12 only for the money to not be there...I called back spoke with a rep she said that the stop payment was placed on the wrong account which I dont understand I had only 1 billpay on 1 account. I asked to speak with a supervisor who was very rude. I explained that Im going to get an eviction if this isnt rectified today and then they would need to pay for that since they misinformed me of times and didnt deposit my money back like they said they would and it was a bank error by placing on wrong account. I then asked to speak with her supervisor which Christy informed me was Michelle but she refused to let me. she then just put me on hold came back with a case number 0040-12may16 she said this was a dispute number...Im not sure what is going on with my money and if stop payment was placed...when Im getting my money back and Im about to get evicted...I want my bank to pay for these fees of 70+75+30nsf+31stop payment fee=206.00 and eviction cost because if I wouldve paid this morning my rental company was willing to waive those fees due to bank error and placing on wrong account the fees wont be waived and its possible I will get an eviction.I want them to pay fees of 70+75+30+31stop payment fee=206.00 and cost if eviction is filed.
The same complaint was sent to both Revdex.com and CFPB and the response was addressed to customer and Revdex.com and CFPB were copied.
[redacted]
[redacted]
I’m writing to respond to
your complaint filed with the Revdex.com (“Revdex.com”) regarding the service
you received at the [redacted] banking office. ...
Please understand that due to
currency and security restrictions, the branches are limited to the amount of
funds available on any given day. We require business that request change
orders to hold an account with the Huntington National Bank
(“Huntington”). For our business account
holders we require change orders be requested in advance to allow the branch to
accommodate for the extra currency that may be needed.
At the time of your visit we
were informed that your employer does not hold a business account with
Huntington. Therefore, we were unable to
accommodate your change request.
However, we were able to provide you with a $100.00 in five dollar bills,
as a courtesy.
We regret that our service
did not meet the standards that you and Huntington expect to be offered to our
customers. I have discussed your comments with the appropriate level of
management. While we are sincerely dismayed to learn of your experience, we thank
you for making us aware of the details so that we may improve the services of
the bank.
If you have further questions
or concerns, you’re welcome to call me directly at ###-###-#### or ###-###-####, extension ####
Sincerely,
[redacted]
Please Note, the $150.00 has been desposited.
Again, thank you for your efforts!!!
[redacted]
[redacted]
**
This letter is in response to your recent correspondence sent to the Revdex.com (“Revdex.com”) regarding 24 Hour Grace™...
service not covering return fees charged on your checking account. Because we appreciate your business and we realize you feel that 24-Hour Grace® was not clearly explained to you, on October 2, 2014 the Return Item Fee of $23.00 was waived as a courtesy.
Please note the following information about 24-Hour Grace® and check/ACH (Automated Clearing House) return fees:
· The ACH item that was presented on your account was returned because there was not enough money in your account to cover the item when it was presented to us for payment. Each time we get an item presented for payment that exceeds the account balance, we decide whether to return it or pay it. Please note that our decision to return or pay the item is based on customer history, amount of the item, account balance and credit history.
· If an item is returned because there is not enough money in the account to cover it, the item amount is not deducted from the account, and no overdraft occurs. For example, a customer’s checking account balance is currently $50, and a check he wrote for $100 is presented to us for payment. If we return the check instead of paying it, his account balance stays at $50 and there is no account overdraft. Returned checks are subject to a fee.
· If we pay it, the item amount is deducted from the account, causing an overdraft. 24 Hour Grace™ applies only when we pay the item and an overdraft occurs. In that case, the customer has the opportunity to correct the overdraft by depositing sufficient funds on the next business day, at which time we could waive the overdraft fee. In printed materials as well as our website description, it states that the 24 Hour Grace™ service cannot be used to waive return fees.
I apologize for any inconvenience this matter has brought to you. If you have further questions, please call me at ###-###-#### or ###-###-####, and I’ll be happy to assist you.
Sincerely,
[redacted]
[redacted]
My Bank placed stop payment on wrong account causing me to have to wait an additional day to get funds returned to my account. My rental company was offering to waive fees of 145.00 if I made payment, but since they placed stop payment on the wrong account I didnt make the deadline. I want my bank to pay me the 145.00 in fees that I have to pay my rental company due to this error. They made a mistake and I have to pay for it. They offered to contact rental company, and admit error but that does not change the fact that my rental company charged me a 145.00 and they should be responsible due to their negligence.
Regards, [redacted]