The Huntington National Bank

Dear [redacted] I’m writing in response to your complaint filed with the Revdex.com regarding your checking account number ending ##### with The Huntington National Bank (“Huntington”)First, please accept our apologies for any inconvenience this matter may have caused you Because we appreciate your business and we realize you feel that 24-Hour Grace® was not clearly explained to you, we have refunded $in overdraft fees on July 11, as a courtesyHuntington has now refunded $in overdraft fees since October 15, It may be helpful for you to understand how we determine if an account is overdrawn We immediately take “pending transactions” into consideration when paying items that are actually posting to the account For example, if you have a balance of $100.00, and you have a “Pending Transaction” in the amount of $60.00, we will consider your account to have an available balance of $ Any checks, debits or demands for payments that are presented for payment, and that exceed that $balance, could overdraft your account Hour Grace® 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 “pending” or deducted from your account that day, so that, at minimum, your ending balance on that day is $or higher If your balance is less than $when all debits and pending transactions are subtracted from your balance, Hour Grace® will not apply For additional information, please review the “Agreement and Disclosure of Account Terms and Rules and Regulations for Consumer Checking Accounts” originally given to you at account openingA complete copy is available upon request Please direct your attention to the section titled “Timing of Transactions” This section specifies how pending items will be taken into consideration Special interest should be given to the information in regard to check card transactions and transactions initiated after the financial cutoff time You may also want to review the information in regard to making deposits Your account activity on July 7, shows a beginning balance of $ At the close of July 7th business day, Huntington paid an item for you when you did not have the available fundsIn order for the Hour Grace® service to waive the pending overdraft fee from July 7th, you would have needed to make a deposit of at least $97.28, plus an amount that would bring the account to a zero or higher balance on July 8th Your account activity on July 8, shows a beginning balance of -$ The pending overdraft fee was not waived by our Hour Grace® because this account was not brought back to a zero or higher balance by the end of the business day on July 8, At the close of July 8th’s business day, Huntington paid items for you when you did not have the available fundsIn order for the Hour Grace® service to waive the pending overdraft fees from April 24th, you would have needed to make a deposit of at least $154.78, plus an amount that would bring the account to a zero or higher balance on July 9th Your account activity on July 9, shows a beginning balance of -$ Please note the following information about return fees: The pending overdraft fees were not waived by our Hour Grace® because this account was not brought back to a zero or higher balance by the end of the business day on July 10, Your account activity on July 11, shows a beginning balance of -$ Since the account was brought back to a zero or higher balance by the end of the business day on July 11, 2014, the pending overdraft fee was waived by our Hour Grace® service · Checks or internet (ACH) transactions written on your account were returned because there was not enough money in your account to cover the transactions when they were 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 itOur decision to return or pay the item is based on but not limited to the customer history, amount of the item and account balance and past or current bankruptcy · If the transaction is returned because there is not enough money in the account to cover it, the transaction amount is not deducted from the account, and no overdraft occursFor example, a customer’s checking account balance is currently $50, and an item he wrote for $is presented to us for paymentIf we return the transaction instead of paying it, his account balance stays at $and there is no account overdraftReturned items are subject to a fee · If we pay it, the transaction amount is deducted from the account, causing an overdraft24-Hour 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 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.) Please be aware, the key to avoiding this type of fee is to maintain an accurate check register While our Voice Response Unit can assist you in doing so, it is the responsibility of our customers to know the balance in their account Huntington has e-mail and text alerts that can give you more immediate information about your accounts, including balancesIf you’re interested in our e-mail and text alerts, you can sign up for these on Huntington.com or through our Phone Bank at ###-###-#### I have enclosed a copy of your “Notice of Insufficient Funds” notifications for your reviewIf I may be of further assistance to you, please feel free to contact me directly at ###-###-#### We appreciate your business and the opportunity to respond to your concerns Sincerely, [redacted] Customer Advocacy Team

The title was eventually received The holding of a title after certified funds are paid is an unfair and deceptive trade practice The [redacted] Unfair and Deceptive Trade Practices Act is codified at [redacted] General Laws Chapter 93A and the regulations promulgated thereunder The mission of the Revdex.com, as I understand it, is, in part, to warn consumers about businesses such as Huntington National Bank and their practice of holding titles to vehicles for a substantial period of time even after receiving certified funds Moreover, in my case in particular, and as admitted by [redacted] in a conversation I had with him prior to filing the instant complaint, the telephone representative promised that I would be sent the required lien release paperwork the next day when, in fact, it was not mailed for several days thereafter and only after multiple calls to the bank (including the threat of litigation and complaints to the Revdex.com and the office of the Attorney General) That was unfair to me and, as a widespread practice, to consumers nationwide The transaction involved a bank loan (as opposed to buying a defective consumer product, etc.) so it is completely appropriate for the bank to be required to pay the borrower in response to unfair and deceptive practices in connection with a loan transaction [redacted] (by [redacted] )

Dear [redacted] : I’m writing in response to your correspondences addressed to the Consumer Financial Protection Bureau (“CFPB”) and the Revdex.com (“Revdex.com”) regarding your checking account number ending in #### with The Huntington National Bank (“Huntington”) It was a pleasure talking with you on the telephone and this letter is a follow up to our conversation · Huntington has refunded both of the $overdraft fees that we assessed on August 28, Huntington has now waived the $in overdraft fees that have been charged since this account was opened on May 22, · Our records show that your checking account was overdrawn $on August 27, Since your account has our 24-Hour Grace® service, the two pending overdraft fees from August 27th would have been waived if we had received a deposit to cure the overdraft by 11:59pm on August 28th Since Huntington did not receive a deposit until August 29, The pending overdraft fees were charged to your accountA copy of the “Notice of Insufficient Funds” notice is enclosed · As stated in the enclosed “Asterisk-Free Checking® Account Personal Account Charges Form” Overdraft Fee: Fee charged for paying each item or entry that overdraws your accountExamples are overdrafts created by check, draft, in-person withdrawal, debit card purchase, ATMs withdrawal or other electronic meansThere is a limit of four (4) overdraft fees per day and will not charge a fee unless your account is overdrawn by $or more Return Fee: Fee charged for returning (and not paying) each item or entry when there are not enough funds in the accountExamples are returns of checks, drafts, or transfers or withdrawals by electronic meansThere is a limit of four (4) return fees per day If you have additional questions, please feel free to contact me at ###-###-#### or ###-###-####, extension #### Sincerely, [redacted] Customer Advocacy Response Team

it is not responsive to the complaint Specifically, I am the authorized representative to file the complaint and discuss all issues with Huntington Bank relative to the complaint Also, Mrs [redacted] and I have suffered damage and injury as a result of the malfeasance complained of The only thing that Huntington has done was to send some paperwork to Mrs [redacted] , days after payment in full was received As of yesterday, the RMV in [redacted] had not received the requisite documents to issue a title to Mrs [redacted] Because of the delay, a prospective buyer of the vehicle is no longer interested in purchasing the vehicle Huntington Bank is liable to Mrs [redacted] in the principal amount of $48,and may be liable to up to three times the amount of actual damages suffered, plus all costs of collection, suit and attorneys fees They are under a statutory obligation to respond to Mrs [redacted] 's demand for a reasonable offer of settlement Regards, [redacted] [redacted]

As I stated in my last emailThe promo was something I got in the mail and entered it on the Huntington websiteThey know the code since it was entered into their websiteI am appalled that they would try to deny that since it was their promo for anyone coming to HuntingtonI will pay the $and be doneAll I need is there word it will be done at that point

Dear [redacted] I’m writing in response to your complaint filed with the Revdex.com regarding Dormant account fees charged to your Huntington checking account number ending in #### It was a pleasure talking with you on the telephone todayThis letter is a follow up to our conversation · This was opened as a promotional account on August 15, Since you completed the requirements of the promotion, Huntington applied a $bonus to your account on October 15, · When this account was opened on August 15, 2012, you were provided with a copy of our “Agreement and Disclosure of Account Terms and Rules and Regulations for Consumer Checking Accounts”In these disclosures it states: Dormant Account Fee (per month)$ Applies when there is no customer initiated transaction for months for personal money market and savings accounts or months for personal checking accountsExceptions to the fee: minor accounts or accounts with a minimum balance of $1,Not applicable for accounts opened in Indiana and Florida A copy of our disclosures is available upon request Our records show that the last transaction on this account was completed on May 22, Huntington began charging a $dormant fee on December 31, This account was closed with a zero balance on July 31, As discussed in our telephone conversation, since you do have an active savings account at Huntington, we have refunded two $dormancy fees and a $minimum balance fee to your savings account as a courtesy [redacted] please note that the state of Ohio does not require financial institutions to notify customers in advance of dormancy feesHuntington did provide notice of dormancy fees on your monthly account statements 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

Their response repeats unnecessary detail and again does not satisfy the customer, only brings more mental stress to the cycle of miscommunications that the corporate offices are failing to admit and wants to continue arguing over a small amountThis resolution does not 100% clear their share of the mistakes leaving them balance due to my company account of $I have paid my portions in full of what was due last time I stood in their branch and reminded them via phone and email I have disputed this alleged dept At this time, based on my rights, I also request that you provide me with a ledger to include written verification of the alleged debt in details from your data base, a letter detailing alleged conversations is not acceptableYou have recently threaten me by reporting me to ChexSystems preventing me to open up bank accounts over $This in no way customer friendly and is starting to feel like immature behavior that does not belong in the corporate officesHuntington Bank has advertised they want to help the small business and this behavior does not match this effort by jeopardizing my continued business with financial institutions Regards, [redacted]

[redacted] *** I’m writing in response to your complaint filed with the Revdex.com (“Revdex.com”) dated July 14, 2014, regarding overdraft fees The Huntington National Bank (“Huntington”) charged to your checking account ending in #### Huntington received this matter on July 15, 2014, for review As a courtesy, we have refunded one non-sufficient fee of $ This letter is to explain the method we use to determine the balance used to pay items presented against your account and to eliminate the possibility of utilizing the same funds twice What this means to you is that we are immediately taking “pending transactions” into consideration when paying items that are actually posting to the account A review of your account activity on July 10, 2014, shows a beginning balance of $ The account activity on July 11, 2014, shows a beginning balance of -$ When you overdraw your checking account, 24-Hour Grace® gives you until the financial cut-off time on the next business day to make a deposit to cover the overdraft amount, plus any current amounts that are pending or are presented for payment that day Example: If the account is overdrawn by $100, and a transaction for $will post to your account on the same day, a $deposit must be made by the cut-off timeYour account must have a balance of zero or higher by end of day A deposit to correct the overdraft (as described above) must be made by the applicable financial cut-off time on the next business dayFinancial cut-off times vary based on how/where you make the deposit Each banking office has a local cut-off time posted ATM - Before 2:p.m(unless a later time is posted on the machine) Online Banking or Telephone Banking transfer - Before 10:p.m I have enclosed a pamphlet that provides more information regarding 24-Hour Grace® You may also visit our website at [redacted] that will provide more information about 24-Hour Grace and examples of transaction scenarios Please know that when reviewing your account using Online Banking and the mobile application, checks and some electronic withdrawals from your account do not appear in the pending items Huntington is only made aware of their items during processing at the end of the day The key to avoiding charges for these items is to keep an accurate record of all transactions If I can provide you with any further assistance, you’re welcome to contact me at ###-###-#### or ###-###-#### Sincerely, [redacted] Customer Advocacy Response Team

Dear [redacted] I’m writing in response to your complaint filed with the Revdex.com regarding a missing $deposit for your Huntington Checking account number ending in ####First, please accept our apologies for any inconvenience this matter may have caused you Please know that we have completed a thorough review of this matterThrough our research we found that the $deposit was located and the funds were applied to your checking account on July 23, [redacted] , we appreciate your feedback and sincerely apologize that we did not meet your expectationsWe have forwarded this concern to our ATM support team for their review 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] Customer Advocacy Response Team

I have reviewed the response made by the business in reference to complaint ID ####, and find that this resolution is satisfactory to me Regards, [redacted]

[redacted] *** [redacted] I’m writing in response to your complaint filed with the Revdex.com (“Revdex.com”) dated July 24, 2014, regarding the cashing of checks and money orders at The Huntington National Bank (“Huntington”) Huntington received this matter on July 25, 2014, for review Please understand for security reasons, as part of our check cashing policies we require appropriate id and endorsement of any check cashed at our retail offices for non-Huntington customers We need two forms of identification and a thumb print Please review the brief list below: Primary identification: Unexpired US Driver’s License with Photo Unexpired State Issued ID (Non-driver) 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 Secondary identification: Recognized Local Employment ID Card with Photo Valid Student ID from Recognized College or University Credit Card – Visa, MasterCard, American Express or Discover (Retail Stores, Smart Cards, Gift Cards, and Debit/Check Cards are not Acceptable) Original Social Security Card Please know that Huntington can only cash money orders that were issued by and drawn on Huntington Huntington also reserves the right to deny cashing any check or money order for risk reasons I understand your frustration, and apologize for the inconvenience this matter may have caused you Please know that your comments have been heard and forwarded to the appropriate level of management 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] This letter is in response to the Revdex.com complaint number ########## received by Huntington National Bank on July 21, This letter is also confirmation of our telephone conversation on July 23, regarding your debit card dispute and associated fees Please note, your debit card case, 0747-16JUL14, was completed on July 23, The merchant issued credit on July 21, in the amount of $and we refunded the two associated fees for $on July 24, For your convenience, I have included a copy of the letter from the debit card disputes department your review I understand your frustration and apologize for any inconvenience the delay in receiving your new card may have caused you Please know that I have forwarded and discussed your concerns at length with the proper 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 ###### Sincerely, [redacted] Customer Advocacy Response Team

Dear [redacted] I’m writing in response to your complaint filed with the Revdex.com regarding a our Bill Payment service on your Huntington checking account number ending in ####We have been trying to reach you by phone to follow up on your concern, but have been unsuccessful Please know that we have completed a thorough review of this matterPlease note the following information: Huntington Bill Pay Service: As stated on our Bill Pay “List of your Payees” page in our Online Banking Service: · “Our Bill Pay cut-off time is 4:p.mETHowever, any payment to a Huntington mortgage or personal credit line account made before 5:p.mET on a business day will be credited to the account as of that day and any payment to a Huntington credit card made before midnight ET will be credited to the account as of that day” We have attached a copy of our “Online Access And Bill Pay Agreement And Disclosure Statements” form for your review Your desired settlement you stated: · “This occurrence has caused me the amount of $in fees which I would like refunded” Our records show that on July 7, Huntington charged a $overdraft feeThis fee was charged because on July 6th, you overdrew this account by $ With our hour grace service, you had the opportunity to have the pending overdraft fee from July 6th waived by completing a deposit on July 7thThe deposit must be enough to cover the overdraft from July 6th and any items that will post on July 7th Our records show that a $deposit was made on July 7th however an ACH debit to [redacted] loans in the amount of $was presented and paid by Huntington and the overdraft fee was assessedHuntington refunded this overdraft fee on July 21, as a courtesy Overdraft Fees: Our records show the following: · The last overdraft fee prior to July 7, 2014, that was not waived by our hour Grace service was charged on October 4, · Since October 4, 2013, our hour grace has waived pending overdraft fees totaling $ [redacted] , we sincerely regret any confusion you may have experiencedIf 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

[redacted] *** [redacted] I’m writing in response to your rebuttal filed with the Revdex.com (“Revdex.com”) dated August 12, 2014, regarding your checking account ending in #### at The Huntington National Bank (“Huntington”) Huntington received this matter on August 12, 2014, for review We apologize for any inconvenience you may have incurred due to this situation Our records indicate that when the account was opened on June 15, 2014, you elected “opted-in” for the Debit Overdraft Service and the election became effective June 18, We have enclosed a copy of the confirmation letter that was mailed on June 20, As explained in the letter dated August 11, 2014, as a courtesy, we have refunded two overdraft fees of $23.00, three overdraft fees of $and three extended overdraft fee of $25.00, for a total of $ This represents all of the bank fees that have been charged to the account since it was opened on June 15, We have confirmed the $promo bonus claimed for opening your account was credited to your account on July 9, We have no record of a promo for $or $being claimed at the time your account was opened Currently your account has a balance owing of -$ Please be aware that if your account remains in a negative status as it has been that there may be ramifications such as account closure, negative reporting to Chex Systems and also further collections efforts through third party collection agencies retained by the Huntington National Bank Please contact our collections department at ###-###-#### to make payment arrangements on that amount at your first convenience 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 your installment loan account number ending in #### with Huntington National Bank I have completed a thorough review of this matterOur records show that you have contacted our Phone Bank customer service on multiple occasions from July through August Please note the following timeline: July 2, 2010: You called our Phone Bank (#######) to request a payoff quote $7,good through July 2, 2010; interest per diem $ July 20, 2010: Huntington received an electronic payment in the amount of $After this payment was applied to this loan, the new principal balance was $7, July 21, 2010: You called our Phone Bank (######) to request a payoff quote $7,good through July 28, 2010; interest per diem $ August 23, 2010: You called our Phone Bank (###########) to request a payoff quote $7,good through August 30, 2010; interest per diem $ August 24, 2010: Huntington received an electronic payment in the amount of $After this payment was applied to this loan, the new principal balance was $7, August 25, 2010: You called our Phone Bank (######) to request a payoff quote $7,good through September 1, 2010; interest per diem $ September 30, 2010: You made a payment of $7,at our [redacted] banking officeAfter this payment was applied to this loan, the new principal balance was $ Please note that the $7,amount paid on September 30, 2010, was less than the last payoff quote given to you on August 25thAs shown on the enclosed payment history, The previous payment made to this account was on August 24, 2010, November 24, 2010: Huntington sent a Past due notice / Late payment notice on November 24, December 4, 2010: Huntington sent the enclosed letter stating: “The current month’s payment regarding the above account has not been receivedTo avoid potential adverse credit bureau reporting, the payment must be received and applied prior to the next due date ” December 7, 2010: Our Collection department began calling you to discuss the past due paymentHuntington made multiple attempts to contact you to discuss a repayment planPlease see the enclosed call chart for more details December 21, 2010: Huntington sent the enclosed letter stating: “Although previous notices have been sent, the above account remains past dueIf you have a temporary financial problem, we may be able to helpIt may be in your best interest to call your account representative, to discuss options to bring the account current and avoid additional expenseUnless we receive the total amount of $158.73, we will have no alternative but to consider further collection activity” [redacted] , Please remember that when a vehicle is paid in full, the title and lien on the collateral is releasedHuntington sends a lien release/account paid in full letter to business days after we verify the account has been paid in fullOur records show that this letter was sent to you on February 23, Huntington is accurately reporting this installment loan to the national credit reporting agencies 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 [redacted]

I was told that I could not be taken off of this account, that my ex had to be with me to sign papers I was also told that I could not just close the account My ex over drew that account and I went in to the branch several times with concerns I spoke to three different people and was told not to worry, that the funds would not be pulled from my personal account After my personal account was drained for the second time, I went back to the branch and was then told that I could close the overdrawn account I spoke to so many different people and was being told so many different things I was told that the off set could be reversed...but since the account was now closed that they could not do this I am so upset that this money was taken after I was told that it would not be My personal account is now overdrawn and I am getting overdraft fees It seems that no one in the branch knew what to tell me, that they were all telling me something different The branch manager was the one who told me to call the collections dept to get my money back When [redacted] called the branch to verify this with the manager, the manager stated that he never told me to do this....yet he gave me the direct line for that dept Needless to say, I will pull my accounts and go to a bank that will stand by their word I have told many people of this situation and they are all shocked and taking their accounts and investments elsewhere Regards, [redacted] ***

[redacted] [redacted] [redacted] [redacted] [redacted] I’m writing in response to your recent complaint filed through the Revdex.com (“Revdex.com”) regarding a $promotional offer for opening a new checking account Our records indicate that your checking account was opened on June 23, with a promotional offer for $The requirements for this offer include: · Set up a direct deposit of at least $within days of account opening OR · Make debit card purchases within days of account opening A review of your account confirms that a Mastercard debit card was ordered on June 23, and mailed to an address in [redacted] **This card was sent back to Huntington from the US Postal Office as undeliverableA new debit card was ordered on July 11, 2014, and that card was also returned from the US Postal Office as undeliverableOn July 19, 2014, your address was updated and a new card was mailed to the above addressA review of the debit card indicates that the card was activated on July 31, Upon review of your checking account, as of today’s date, there has been debit card purchases completed and no direct deposit of at least $set upPlease understand that you have until August 22, 2014, to complete the requirements to qualify for the $promotional incentive Also, your account will be charged a Non-Huntington ATM Cash Withdrawal fee at the end of your statement period for using a Non-Huntington ATM machineThe fee is $for each time a Non-Huntington ATM machine is used and is charged in a lump sum at the end of the statement periodYour checking account was refunded $Non-Huntington ATM Cash Withdrawal fees totaling $on August 1, 2014, as a courtesy If I can be of any assistance or if you have questions, you are welcome to contact me at ###-###-#### or ###-###-####-####I will happy to assist you Sincerely, [redacted]

I have reviewed the response made by the business in reference to complaint ID #####and find that this resolution is satisfactory to me. Regards, [redacted] ***

[redacted] *** [redacted] I’m writing in response to your complaint filed with the RevDex.com (“BBB”) dated August 8,... 2014, regarding your checking account ending in #### at The Huntington National Bank (“Huntington”). Huntington received this matter on August 8, 2014, for review. A review of your account shows that the merchant attempted to debit your account $13.98 on May1, 2013, May 8, 2013, May 14, 2013, and June 4, 2013. The four debit attempts were all returned unpaid due to non-sufficient funds in your account. Each returned item was assessed a Returned NSF Item Fee of $37.50. Please note the following information about electronic check return fees: · The electronic check initiated on your account was returned because there was not enough money in your account to cover the electronic check when it was presented to us for payment. Each time we get an electronic check presented for payment that exceeds the account balance, the decision is made whether to return it or pay it. Please note that this decision to return or pay the check is based on customer history, amount of the check and account balance. · If an electronic check is returned because there is not enough money in the account to cover it, the check amount is not deducted from the account, and no overdraft occurs. For example, a customer’s checking account balance is currently $50, and a check he wrote for $100 is presented to us for payment. If we return the check instead of paying it, this account balance stays at $50 and there is no account overdraft. Returned checks are subject to a fee. · If we pay it, the electronic check amount is deducted from the account, causing an overdraft. 24-Hour Grace™ applies only when we pay the check 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.) You may also visit our website at https://www.huntington.com/grace/ that will provide more information about 24-Hour Grace and examples of transaction scenarios. The following is a summary of refunds and debits that were initiated by our collections department: · May 24, 2013: A courtesy refund of $100.00 for the Returned NSF Item Fees was issued with a verbal agreement that a deposit would be made within 24 hours · May 28, 2013: The refund of $100.00 was reversed because a deposit was never made · June 3, 2013: A courtesy refund of $81.28 for the Returned NSF Item Fees was issued with a verbal agreement that a deposit would be made within 24 hours · June 4, 2013: The refund of $81.28 was reversed because a deposit was never made · June 21, 2013: A courtesy refund of $100.00 for the Returned NSF Item Fees was issued with a verbal agreement that a deposit would be made within 24 hours · June 24, 2013: The refund of $100.00 was reversed because a deposit was never made · June 27, 2013: A courtesy refund of $100.00 for the Returned NSF Item Fees was issued with a verbal agreement that a deposit would be made within 24 hours · June 28, 2013: The refund of $100.00 was reversed because a deposit was never made As a courtesy, we refunded $243.78 in fees to bring the account to a zero balance and we have closed the account. We have also confirmed that your information was removed from Chex Systems on August 15, 2014. We apologize for any inconvenience and 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] I’m writing in response to your complaint filed with the Revdex.com regarding concerns with your Huntington Checking account number ending in #### Please know that we have completed a thorough review of this matterThrough our research we found that in accordance with the account “Agreement and Disclosure of Account Terms and Rules and Regulations for Consumer Checking Accounts” (“Rules and Regulations”), Huntington has the right to “set-off” one Huntington account owned by you to pay an outstanding debt to another Huntington account owned by youA copy of these disclosures is available upon request Since an agreement could not be reached to pay the balance owed to your Huntington checking account number ending in #### Huntington used our right to “set-off” your account number ending in #### After the August 4, “set-off”, the balance owed to your account number ending in #### was $Huntington waived this balance and closed the account at your request [redacted] ***, we sincerely regret any confusion you may have experiencedIf 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