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 coverageYour 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 BankThe terms of your loan agreement require you to furnish evidence of physical damage insurance coverage for the vehicle listed belowAs 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 belowAs 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,and and add the yearly premium of $1,to your loan principal balanceThe 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 loanWe 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 $to $effective for your May 6, paymentThis is an increase of $ August 8,2014: Huntington received notice that you have obtained an insurance policy that complies with the terms of the loan agreementHuntington prorated the insurance policy that was purchased on your behalf from $1,to $803.00.This reduced the principal balance by $ 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 $until the $is repaidYou do have the option to make a single payment of $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 $Due to this, your account has been assessed five $late fees and is currently days past due (due for the August 6, payment) As discussed in our conversation, you agreed to mail a payment of $to my attention When we received this payment we applied $to each of your monthly payments as shown below The $payment increase amount that was not paid for the May 6,payment The $payment increase amount that was not paid for the June 6,payment The $payment increase amount that was not paid for the July 6, payment The $payment increase amount that was not paid for the August, payment The $payment increase amount that was not paid for the September 6, 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 experiencedIf you would like to discuss this further, you are welcome to call me directly at ###-###-#### or ###-###-####, extension ##### Sincerely, [redacted] Customer Advocacy Response Team
1.) The original request for a stop payment was for $check Not until days after the fact did I find out the stop payment was not effectiveYet, I was still chagred the fee for the stop paymentI 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 balanceMy 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 $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 registerI do however make it a point to stop in at branches at least times a weekSo I do not appreciate the responders comments that I should use a check registerI didn't fall off a pickle truckI have been a long time customer of Huntington Bank and I have direct depositNot until this summer did their customer service start to perfom poorlyI find the response somewhat offensiveIt 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 $in the past ( only because I caught what they were doing ), it was due to their errorsHere is a perfect example and my account reflects as such they charged me a fee of $yesterday and today they applied that amount to my checking accountTry 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 balancesThis is another reason why I never am able to figure out what my balance isAnd for this reason I stop in at branches or call their customer service department in hopes they would know the correct balancesObviously, 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 problemTwo months ago I was told they charge for that service now and that I should use the ATM for a printoutI have used the ATM for this twice now and both times I was charged $ Now tell me they aren't misleading the public and taking advantage of their customers to make up for that 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 accountThe teller asked me to stop in later and get the paperworkI wasn't able to stop back until the next morning and was helped by two other tellersThey printed my paperwork out after trying to figure out how to do itHowever, I was not given starter checks for the accountWhen 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 soI refuse to refer ANY service or company to hard working people who deserve CUSTOMER SERVICE and professionalism Regards, [redacted]
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 transactionYou were not sure of the amount, therefore Huntington placed the stop payment for you for an amount range from $to $200.Our Phone Bank representative stated that stop payments are not guaranteed until after hours Please note: Although Huntington’s customer service was open, banking transactions do not process on weekends or holidaysMonday October 13, was a national holidayAll transactions after 11:on Friday October 10th through 11: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 accountA copy of this disclosure is available upon request Tuesday October 14, 2014: The Moneykey payday loan transaction in the amount of $posted to your checking accountThis means that this item was already pending to post to the accountTherefore the stop payment that you placed could not stop the transaction from postingHuntington waived the $stop payment fee since the item could not be processed Wednesday October 15, 2014: Your account balance at the start of the day was -$Our records show that you authorize three debit card transactions for this accountHuntington paid these items for you as you requestedThis brought your account balance to -$ Thursday October 16, 2014: A deposit was not made to cover the items Huntington paid from October 15th Huntington assessed three $overdraft fees ($112.50)Also on October 16th, you authorized one debit card transaction which Huntington paid for you as you requestedThis brought your account balance to -$ Friday October 17, 2014: A deposit was not made to cover the item Huntington paid from October 16th Huntington assessed one $overdraft feeAlso on October 17th, you authorized one debit card transaction which Huntington paid for you as you requestedThis brought your account balance to -$ Monday October 20, 2014: A deposit was not made to cover the item Huntington paid from October 17th Huntington assessed one $overdraft feeThis overdraft fee brought your account balance to -$ Our records show that Huntington assessed $in overdraft fees to this account between October 14, and October Huntington waived $in overdraft fees on October 24, Today we waived another $fee as a courtesyHuntington has now waived $in overdraft fees on this account since May 12, 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 hours per day (Business Days Only)Our banking office staff and our customer service can only see what is currently pending on your accountHuntington 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, Huntington paid a $377.21payment to [redacted] *** Fee & PaymentsThis left an account balance of -$ Our 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 $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 $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 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 youI 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] Customer Advocacy Response Team
On 5/3/I made a payment to my rental company for my bank returned itThey have never returned this payment before I had money in this account and other accountsI called my bank on 5/5/when I seen it was returnedI asked rep if I should replace payment with rental company or was it going to come through againShe said NO dont repay it..it will come back through on monday which would be 5/9/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 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 longI then contacted my bank again on 5/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 branchI drove minutes to the branch waited minutes for him to tell me he couldnt do it I needed to call customer serviceWhen I got back home around I called customer service she said she was putting a stop payment on this and my 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 morningI checked my account at am on 5/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 billpay on accountI asked to speak with a supervisor who was very rudeI 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 accountI then asked to speak with her supervisor which Christy informed me was Michelle but she refused to let meshe then just put me on hold came back with a case number 0040-12mayshe 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=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=and cost if eviction is filed
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, OhioHuntington received this matter on November 7, for review Please understand, our ATM machines are set up to take the card and keep that card until the transaction(s) are completeThis is a security measure taken in order to protect you and your account informationHuntington 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 capturedAt 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 youPlease 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] ** 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 $and the two extended overdraft fees of $25.00, for a total of $ These fees were caused by the payment of $to Paypal being returned as unpaid on September 16, 2014, and September 23, We have confirmed that a stop-pay was submitted on October 2, 2014, for future $payments to Paypal The stop-pay will expire on October 1, 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
[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 $to [redacted] was returned unpaid on September 4, We have verified that your available account balance on September 4, 2014, was $ 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, We have confirmed that the payment of $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 was updated on September 11, 2014, to optof 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
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***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 youPlease 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, $payment · Applied a Pass-A-Payment for your September 27, payment · Applied the $payment to the fee owed for using a Pass-A-Payment · This loan adjustment removed late fees charged for this occurrence · The November 4, $payment has paid your October 27, payment · Your next payment due date is now November 27, Payment Booklet: We have ordered a payment bookletThis booklet will be sent to you in to 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.OBOX COLUMBUS, OHIO 43218- 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 expectationsWe 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***We appreciate your business and the opportunity to address your concerns ? Sincerely, [redacted] Senior Specialist Customer Advocacy Response Team
I am an account holder at Huntington national bankI was not apologized for the unprofessionalism of its staff, I was just briefly told why I was unable to get changeThe fact that cooperate cannot admit to its mistakes is a reason why on Monday I will be going into the branch and closing my accountI 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] ***
As can be seen in the letter from Huntington, the results of their letter to Equifax will not be known for 30-daysWe received the same letter once before and contacted them when nothing changed after 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
[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 $that posted to your checking account on April 24, 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
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 hours and numerous phone calls to both you and the merchant Regards, [redacted]
[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 dayWe 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 $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 customersI have discussed your comments with the appropriate level of managementWhile 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]
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 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 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 and they should be responsible due to their negligence Regards, [redacted]
[redacted] *** [redacted] * This letter is in response to your recent correspondence sent to the Revdex.com (“Revdex.com”) regarding 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, the Return Item Fee of $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 itPlease 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 occursFor example, a customer’s checking account balance is currently $50, and a check he wrote for $is presented to us for paymentIf we return the check instead of paying it, his account balance stays at $and there is no account overdraftReturned checks are subject to a fee · If we pay it, the item amount is deducted from the account, causing an overdraftHour Grace™ applies only when we pay the item and an overdraft occursIn 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 feeIn printed materials as well as our website description, it states that the Hour Grace™ service cannot be used to waive return fees I apologize for any inconvenience this matter has brought to youIf you have further questions, please call me at ###-###-#### or ###-###-####, and I’ll be happy to assist you Sincerely, [redacted]
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 coverageYour 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 BankThe terms of your loan agreement require you to furnish evidence of physical damage insurance coverage for the vehicle listed belowAs 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 belowAs 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,and and add the yearly premium of $1,to your loan principal balanceThe 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 loanWe 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 $to $effective for your May 6, paymentThis is an increase of $ August 8,2014: Huntington received notice that you have obtained an insurance policy that complies with the terms of the loan agreementHuntington prorated the insurance policy that was purchased on your behalf from $1,to $803.00.This reduced the principal balance by $ 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 $until the $is repaidYou do have the option to make a single payment of $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 $Due to this, your account has been assessed five $late fees and is currently days past due (due for the August 6, payment) As discussed in our conversation, you agreed to mail a payment of $to my attention When we received this payment we applied $to each of your monthly payments as shown below The $payment increase amount that was not paid for the May 6,payment The $payment increase amount that was not paid for the June 6,payment The $payment increase amount that was not paid for the July 6, payment The $payment increase amount that was not paid for the August, payment The $payment increase amount that was not paid for the September 6, 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 experiencedIf you would like to discuss this further, you are welcome to call me directly at ###-###-#### or ###-###-####, extension ##### Sincerely, [redacted] Customer Advocacy Response Team
1.) The original request for a stop payment was for $check Not until days after the fact did I find out the stop payment was not effectiveYet, I was still chagred the fee for the stop paymentI 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 balanceMy 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 $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 registerI do however make it a point to stop in at branches at least times a weekSo I do not appreciate the responders comments that I should use a check registerI didn't fall off a pickle truckI have been a long time customer of Huntington Bank and I have direct depositNot until this summer did their customer service start to perfom poorlyI find the response somewhat offensiveIt 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 $in the past ( only because I caught what they were doing ), it was due to their errorsHere is a perfect example and my account reflects as such they charged me a fee of $yesterday and today they applied that amount to my checking accountTry 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 balancesThis is another reason why I never am able to figure out what my balance isAnd for this reason I stop in at branches or call their customer service department in hopes they would know the correct balancesObviously, 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 problemTwo months ago I was told they charge for that service now and that I should use the ATM for a printoutI have used the ATM for this twice now and both times I was charged $ Now tell me they aren't misleading the public and taking advantage of their customers to make up for that 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 accountThe teller asked me to stop in later and get the paperworkI wasn't able to stop back until the next morning and was helped by two other tellersThey printed my paperwork out after trying to figure out how to do itHowever, I was not given starter checks for the accountWhen 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 soI refuse to refer ANY service or company to hard working people who deserve CUSTOMER SERVICE and professionalism Regards, [redacted]
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 transactionYou were not sure of the amount, therefore Huntington placed the stop payment for you for an amount range from $to $200.Our Phone Bank representative stated that stop payments are not guaranteed until after hours Please note: Although Huntington’s customer service was open, banking transactions do not process on weekends or holidaysMonday October 13, was a national holidayAll transactions after 11:on Friday October 10th through 11: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 accountA copy of this disclosure is available upon request Tuesday October 14, 2014: The Moneykey payday loan transaction in the amount of $posted to your checking accountThis means that this item was already pending to post to the accountTherefore the stop payment that you placed could not stop the transaction from postingHuntington waived the $stop payment fee since the item could not be processed Wednesday October 15, 2014: Your account balance at the start of the day was -$Our records show that you authorize three debit card transactions for this accountHuntington paid these items for you as you requestedThis brought your account balance to -$ Thursday October 16, 2014: A deposit was not made to cover the items Huntington paid from October 15th Huntington assessed three $overdraft fees ($112.50)Also on October 16th, you authorized one debit card transaction which Huntington paid for you as you requestedThis brought your account balance to -$ Friday October 17, 2014: A deposit was not made to cover the item Huntington paid from October 16th Huntington assessed one $overdraft feeAlso on October 17th, you authorized one debit card transaction which Huntington paid for you as you requestedThis brought your account balance to -$ Monday October 20, 2014: A deposit was not made to cover the item Huntington paid from October 17th Huntington assessed one $overdraft feeThis overdraft fee brought your account balance to -$ Our records show that Huntington assessed $in overdraft fees to this account between October 14, and October Huntington waived $in overdraft fees on October 24, Today we waived another $fee as a courtesyHuntington has now waived $in overdraft fees on this account since May 12, 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 hours per day (Business Days Only)Our banking office staff and our customer service can only see what is currently pending on your accountHuntington 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, Huntington paid a $377.21payment to [redacted] *** Fee & PaymentsThis left an account balance of -$ Our 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 $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 $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 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 youI 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] Customer Advocacy Response Team
On 5/3/I made a payment to my rental company for my bank returned itThey have never returned this payment before I had money in this account and other accountsI called my bank on 5/5/when I seen it was returnedI asked rep if I should replace payment with rental company or was it going to come through againShe said NO dont repay it..it will come back through on monday which would be 5/9/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 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 longI then contacted my bank again on 5/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 branchI drove minutes to the branch waited minutes for him to tell me he couldnt do it I needed to call customer serviceWhen I got back home around I called customer service she said she was putting a stop payment on this and my 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 morningI checked my account at am on 5/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 billpay on accountI asked to speak with a supervisor who was very rudeI 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 accountI then asked to speak with her supervisor which Christy informed me was Michelle but she refused to let meshe then just put me on hold came back with a case number 0040-12mayshe 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=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=and cost if eviction is filed
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, OhioHuntington received this matter on November 7, for review Please understand, our ATM machines are set up to take the card and keep that card until the transaction(s) are completeThis is a security measure taken in order to protect you and your account informationHuntington 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 capturedAt 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 youPlease 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
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 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 $and the two extended overdraft fees of $25.00, for a total of $ These fees were caused by the payment of $to Paypal being returned as unpaid on September 16, 2014, and September 23, We have confirmed that a stop-pay was submitted on October 2, 2014, for future $payments to Paypal The stop-pay will expire on October 1, 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
[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 $to [redacted] was returned unpaid on September 4, We have verified that your available account balance on September 4, 2014, was $ 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, We have confirmed that the payment of $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 was updated on September 11, 2014, to optof 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
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***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 youPlease 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, $payment · Applied a Pass-A-Payment for your September 27, payment · Applied the $payment to the fee owed for using a Pass-A-Payment · This loan adjustment removed late fees charged for this occurrence · The November 4, $payment has paid your October 27, payment · Your next payment due date is now November 27, Payment Booklet: We have ordered a payment bookletThis booklet will be sent to you in to 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.OBOX COLUMBUS, OHIO 43218- 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 expectationsWe 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***We appreciate your business and the opportunity to address your concerns ? Sincerely, [redacted] Senior Specialist Customer Advocacy Response Team
I am an account holder at Huntington national bankI was not apologized for the unprofessionalism of its staff, I was just briefly told why I was unable to get changeThe fact that cooperate cannot admit to its mistakes is a reason why on Monday I will be going into the branch and closing my accountI 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] ***
As can be seen in the letter from Huntington, the results of their letter to Equifax will not be known for 30-daysWe received the same letter once before and contacted them when nothing changed after 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
[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 $that posted to your checking account on April 24, 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
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 hours and numerous phone calls to both you and the merchant Regards, [redacted]
Please Note, the $has been desposited Again, thank you for your efforts!!!
[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 dayWe 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 $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 customersI have discussed your comments with the appropriate level of managementWhile 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]
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 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 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 and they should be responsible due to their negligence Regards, [redacted]
[redacted] *** [redacted] * This letter is in response to your recent correspondence sent to the Revdex.com (“Revdex.com”) regarding 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, the Return Item Fee of $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 itPlease 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 occursFor example, a customer’s checking account balance is currently $50, and a check he wrote for $is presented to us for paymentIf we return the check instead of paying it, his account balance stays at $and there is no account overdraftReturned checks are subject to a fee · If we pay it, the item amount is deducted from the account, causing an overdraftHour Grace™ applies only when we pay the item and an overdraft occursIn 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 feeIn printed materials as well as our website description, it states that the Hour Grace™ service cannot be used to waive return fees I apologize for any inconvenience this matter has brought to youIf you have further questions, please call me at ###-###-#### or ###-###-####, and I’ll be happy to assist you Sincerely, [redacted]