The Huntington National Bank

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I’m writing in response to your complaint filed with the Revdex.com
(“Revdex.com”) dated September 2, 2014, regarding your concern about the fees The Huntington National Bank (“Huntington”) charges non-customers to cash checks. Huntington received this matter on September 2, 2014, for review.
Thank you for your inquiry to Huntington regarding check cashing fees assessed to non-Huntington customersAt Huntington, we strive to provide legendary service to each person who contacts us, whether a customer or not
As you may be aware, some of the services we provide may include fees. One such service fee is the check cashing fee charged to non-customers We apologize that you were dissatisfied, with your experience and regret that we did not meet your expectations.
If you frequently receive Huntington checks and would like to avoid receiving a fee to transact them at one of our branches, we would welcome you to open an accountWe have many account options available that may suit your financial needsIf you are interested in learning more about our products, please contact a local Huntington branch or call our customer service center at ###-###-####
*** ***, if there is any aspect in which I can be of assistance to you in the future, please feel free to contact me at ###-###-#### or toll free at ###-###-####, extension ####
Sincerely,
*** ***
*** ***
Customer Advocacy Response Team

I previously submitted a complain about this on 9/in which Huntington *temporarily* refunded the money in question in order to close the Revdex.comOnce I closed the Revdex.com case, they revoked the money again
Anyway, after being told that Huntington would be once again debiting us for an unauthorized debit transaction, I contacted *** as they told me they would no longer investigate this case and I needed to contact the retailer whom did the charge on usDuring the call, I was informed that the transaction from 9/that I originally disputed was accurateHOWEVER, I was also informed that the previous charge from ***.com for $on 6/(posted 6/16) was suppose to drop off as *** released those fundsHuntington never dropped the pending charges and instead posted them*** does not have this moneyI have no idea what Huntington did with it but it was NOT suppose to post to the account as *** never received the money***'s customer service rep then connected with their department that deals with these types of things and I was informed that they would be in contact with Huntington to show them that the charged amount was indeed supposed to be dropped offThat was around 9/
However, today Huntington again revoked the credit they applied to my bank account resulting in a negative account balance - to which they told me I will incur more fees if I do not correctI contacted them to inform them what *** had told me and gave them the confirmation number the ***.com customer service rep supplied to meHuntington's rep then explained to me that they would not return the credit to the account and told me I will be fined additional fees if I allow my bank balance to continue in the negativesThey also told me the number I had is invalidIt is NOT invalid, I double checked with ***It is a case number for *** - not from HuntingtonThey are refusing to return money to me - and have for months now - that is rightfully mine and I am not pleasedIf *** dropped the charges and never received the money, why was it posted to my account and where did it go? *** cannot issue a refund when they never received the money to begin with
This entire ordeal has caused me so much time and stressI cannot fathom why Huntington is being difficult over what is such a trifling amount of money to themIf they would do away with their bureaucratic methods of handling customer issues, common sense would be able to prevail and this issue would have been solved months agoThis money that they are refusing to return is legally my money and I want it returned to me
I want my money returned to my bank account immediately and any fines related to insufficient funds and/or a negative bank balance (due to the revoking of the $credit) waived

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I'm writing to respond to your complaint filed with the
Revdex.com ("EBB") regarding a check posting for the wrong amount to your Huntington checking account ending in #### on July 31,
I understand your frustration, and apologize for the inconvenience this matter may have caused you. Please understand that when you notified Huntington on August 1,2014, the correction process was initiatedOn August 5,an adjustment credit was made to your account in the amount of $88,000.00. I have enclosed a copy of the correspondence that was sent to you informing you of this correctionI have also confirmed you incurred no fees due to this matter
If you have further questions, you're welcome to call me directly at ###-###-#### or ###-###-####, extension ####, and I'll be happy to assist you
Sincerely,
*** ***
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August 5,
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Inquiry Reference # ####
Dear *** * *** ***
On July 31, 2014, check number###, in the amount of
$166.14/USD, was posted to your account ending in #### for
the incorrect amount of $88,166.14/USD
To correct this discrepancy, we credited your account today
in the amount of $88,000.00/USD
If you have questions or need any further assistance,
please call us at ####### any time, hours
a day, seven days a weekOr, you may take this letter to
any Huntington branch and speak with a personal banker
Thank you for choosing HuntingtonWe appreciate your
business
Sincerely,
*** ***

Huntington National Bank has not addressed any of the concerns I stated in my complaintThey have stated they contacted me via phone on September 10th, which is true, except no resolution was provided by this phone callThey simply stated the same thing as this message states, that they would get in touch with me shortly to let me know what transpired and address my complaintTo date, 9/25/2014, the company has NOT contacted me and has NOT provided any sort of explanation or resolution to the complaint I filedThis complaint should stay open as it is clear they have not provided a response to the complaint in question for nearly three (3) weeks nowThis is not acceptable and I request an answer to the original complaint I filed
Revdex.com, do NOT close this complaint, administratively or otherwise, until stated issue is actually resolvedThank you
Regards,
*** ***

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

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

On September 10, 2014, we contacted the customer by phone to
inform him we had received his complaint filed with the Revdex.com and CFPB. At this time we informed the customer that we
are in the process of reviewing his concerns to determine what transpired on
his account. Advised
customer that we
will follow shortly up with a full response to his concerns. We will reach out to the customer via letter
once research has been completed
If
you have any further questions or concerns, you’re welcome to contact me at
###-###-#### or toll free at ###-###-#### extension ####
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This letter is in response to your recent correspondence sent to the Revdex.com (“Revdex.com”) regarding a payment reapplication for your
mortgage account ending in ####
After review of your account we received a payment of $1,on June 11, at our regular payment address, the payment was subsequently applied as a regular payment towards your mortgage loanOn July 16, we reversed the payment off your mortgage loan and reapplied it towards your escrow shortage per your requestThis allowed us to readjust your monthly payment from $1,to $1,
For future reference shortage payments can be mailed to:
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I understand your frustration, and apologize for any inconvenience you were caused in this matterIf you have any additional questions or concerns, you’re welcome to contact me at
###-###-#### or ###-###-####, extension ####
Sincerely,
*** ***
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Customer Advocacy Response Team

A payment was made in March as well, it's still very shady business to take money from a long time customer even after Huntington turned me down when I went to them for help And your right I will not be satisfied due to how I've been treating since the hardship Not to mention some of the reps that have called are also rude.
Regards,
*** ***

I have reviewed the response made by the business in reference to complaint ID #######, and find that this resolution is satisfactory to me
Regards,
*** ***
PS
THANK YOU SO MUCH Revdex.com FOR CLEARING THINGS UPI COULD NEVER GET A CLEAR RESPONSE FROM THE HUNTINGTONI WAS ALWAYS TOLD TO CONTACT THIS PERSON AND THAT PERSONVERY CONFUSING TO MEYOU GUYS ARE GREAT I AM SO HAPPY NOW

Dear *** ***
This letter is intended to address your correspondence addressed to the Revdex.com (“Revdex.com”), about your Installment loan account number ending in #### with Huntington National Bank (“Huntington”)
Please know that we have completed a
thorough review of this matterThrough my research, we were able to confirm that insurance was obtained on your behalf for the collateral property in accordance with the enclosed “Property and vendor’s single interest insurance” section on the back of your contract
November 4, 2013:
Huntington received notification from *** *** insurance that there was a change in your insurance coverageYour policy no longer included comprehensive insurance
November 6, 2014:
Huntington sent the enclosed letter stating “The evidence of insurance we received does not include comprehensive coverage, which is required by the terms of your loan agreement”
January 11, 2014:
Huntington sent the enclosed letter stating “As of 06/16/2013, evidence that you have purchased or maintained the physical damage insurance required by the terms of your loan agreement has not been provided to the creditor…”.
January 28, 2014:
Huntington sent the enclosed letter stating “As of 09/26/2013, evidence that you have purchased or maintained the physical damage insurance required by the terms of your loan agreement has not been provided to the creditor… enclosed is a certificate of insurance for the insurance we have purchased for your vehicle”
This means that since proof of insurance was only provided up to September 26, 2014, Huntington purchased a policy to protect our interest in the vehicle in the amount of $Huntington added $to the principal balance of your loan
February 12, 2014:
Huntington sent the enclosed letter stating “Thank you for providing The Huntington National Bank with the requested insurance information on the vehicle listed belowThe collateral protection insurance policy issued to cover the vehicle has been cancelled effective 2/7/2014…”
This means that Huntington received insurance information stating that you have the required amount of insurance beginning February 7, 2014. Huntington prorated the coverage and applied a refund to your loan in the amount of $409.00.
You have also stated in your correspondence to the Revdex.com: “ I now have one more year to pay on the car and Huntington is demanding that I pay them almost four years of comprehensive insurance…” Huntington is only asking you to pay for an insurance policy from September 26, to February 7,
Quilly, 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,
*** ***
*** ***

this was never discussed with me when I opened the account. I offered to pay the alleged amount overdrawn but they wouldn't accept it. I am unemployed and can't afford $230 in fees and there policies should have been explained properly. As I stated I would pay $47 which is the $50 I never got minus the alleged $97.
Regards,
[redacted]

I do not feel this matter was handled quick enough given the amount of money that the error involved.  The bank was notified on Friday morning before 8 am and the money was not returned to  our account until Wednesday morning.  I feel Huntington needs to evaluate its turn around time on matters like this.
Regards,
[redacted]

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 amount. This resolution does not 100% clear their share of the mistakes leaving them balance due to my company account of $45.83. 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 acceptable. You have recently threaten me by reporting me to ChexSystems preventing me to open up bank accounts over $45.83. This in no way customer friendly and is starting to feel like immature behavior that does not belong in the corporate offices. Huntington 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]

Dear [redacted]
I’m writing in response to your complaint filed with the Revdex.com regarding concerns with your Huntington business checking account number ending in ######
Please know that we have completed a thorough review of this matter. Through our research, we...

found the following:
February 2013:
·         Huntington attempted to explain to you what was needed regarding your business name change. Huntington would need to close the current business checking account, open a new one. The Huntington business line of credit would need to be refinanced into the new business name. You stated that you were not interested in doing this.
·         You informed Huntington that you have opened an account at [redacted] and you would be moving your business over to them. You dissolved [redacted] and formed a new business called [redacted]
March 2013:
·         Huntington explained to you that you will need to make sure all of your “automatics” (automatic credits and debits) were transferred to [redacted] and the business loan will need to be refinanced.
·         Huntington contacted you two weeks later asking you when you were going to transfer the automatics. You stated that you were working on this and would contact us when it was completed.
May 2013:
·         You came into the banking office and stated that the automatics have been transferred. You also stated that you did not want to close the business checking account yet and you did not want Huntington to run your credit regarding the business loan. At this time, Huntington explained to you that since you have dissolved the old business, you cannot deposit items payable to the new business name into this account.
January 2014:
·         Huntington then explained to you what was needed to eliminate the services that you had to avoid fees charged to your account, and explained your options regarding your line of credit.
The options are:
1.     Closing the line and making payments until paid in full.
2.     Refinancing the credit line into the new business name.
3.     Pay the account in full.
February 2014:
·         At this time you did not want to close the business checking account and you did not want to refinance the line of credit.
·         Huntington continued to assess monthly charges for the business services that were provided to you. You stated that you wanted all of the fees waived. Huntington denied fee refunds.
Huntington asked you what you intended to do with the business account, you stated that you wanted to eventually close it, but she wanted to review the service fees and wanted to only pay for the service fees that you wanted to pay for. Huntington informed you that the Business Overdraft Protection (“BODP”) needed to be paid in full and closed. You stated you did not want to close it and you would contact us after you reviewed the transactions that made up the balance of the BODP. 
[redacted], our records show that you have dissolved the business however you still have a Huntington Business Checking Account, Business Overdraft Protection and Business Line of Credit under the business name [redacted].
July 2014:
When visited the Holland – Spring Meadows banking office, [redacted] (Banking Office Manager) gave you a print out of her account and showed you that you had a BODP balance of $243.84. You made a payment of $103.60 to your BODP.
Our Collections department shut off your BODP and Huntington sent an email to you stating that the BODP balance was $140.24. This email also stated that you will need to come into the banking office to close the business account in order to stop the service fees from being charged.
[redacted], Huntington refunded a $25 extended overdraft fee and five $2.50 statement charges, totaling $12.50 to your business checking account. This brought this account to a zero balance.
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

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 today. This letter is a follow up to...

our conversation.
·         This was opened as a promotional account on August 15, 2012. Since you completed the requirements of the promotion, Huntington applied a $100 bonus to your account on October 15, 2012.
·         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).............................................................................⇄ $5.00
Applies when there is no customer initiated transaction for 24 months for personal money market and savings accounts or 6 months for personal checking accounts. Exceptions to the fee: minor accounts or accounts with a minimum balance of $1,000. 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, 2013. Huntington began charging a $5 dormant fee on December 31, 2013. This account was closed with a zero balance on July 31, 2014.
As discussed in our telephone conversation, since you do have an active savings account at Huntington, we have refunded two $5 dormancy fees and a $4 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 fees. Huntington 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]
[redacted]
Customer Advocacy Response Team

The promo was sent via.US mail that had a code that I entered online. Huntington website has the code entered.

[redacted]     
[redacted] 
I am
writing in response to your complaint to the Consumer Financial Protection
Bureau (“CFPB”) and the Revdex.com (“Revdex.com”) regarding your checking
account ending in ########with The Huntington National Bank (“Huntington”).  Huntington received the CFPB and Revdex.com complaint’s
for review on September 9, 2014.
I would first like to thank
you for taking the time to bring this matter to our attention.  Please accept our sincere apologies for your
recent experiences at the banking office and with our Secured Messaging
Customer Service Center.  Providing you
with an excellent Huntington experience is our goal, and we are disappointed
when we fall short.  Also, please know
that your comments have been heard and forwarded to the appropriate level of
management so that any necessary improvements can be made. 
We
have reviewed your concern and found that the withdrawal in the amount of $1,295.00
to your checking account was completed on Saturday September 6, 2014 which was
the business processing day of Monday September 8, 2014.  This transaction was inadvertently showing as
a pending transaction twice over the weekend. 
This resulted in your account balance showing as -$609.89. 
I
have confirmed that this matter was corrected after processing on September 9,
2014, and your funds were available to you. 
I have also confirmed your account incurred no fees due to this
matter. 
Please
know that we have identified a systematic issue and we are in the process of
correcting it.  Please accept the enclosed American Express gift
cheques as a token of our appreciation for your business, as well as inconvenience
you incurred due to this matter.  No further compensation will be granted.
[redacted] Huntington
values your business, your time and your patience and we look forward to better
serving you in the future.  If you have
further questions, you’re welcome to call me directly at ###-###-#### or ###-###-####,
extension #####, and I’ll be happy to assist you.
Sincerely,
[redacted]

Dear [redacted]
I’m writing in response to your complaint filed with the Revdex.com regarding your checking account number ending in #### at Huntington National Bank. It was a pleasure talking with you on the telephone today and this letter is a follow up to our...

conversation.
·         Huntington refunded $435.14 in Returned Item / Overdraft Fees as a courtesy. Huntington has now waived $635.14 in Returned Item / Overdraft Fees as a courtesy since May 23, 2014.
·         This account is now closed with a zero balance owed to Huntington.
If I may be of further assistance to you, please feel free to contact me at ###-###-####, extension ####. 
Sincerely,
[redacted]
[redacted]
Customer Advocacy Response Team

[redacted]
[redacted]
[redacted]              
[redacted] 
I’m writing in response to your complaint filed with the Revdex.com (“Revdex.com”) dated September 5, 2014, regarding...

your checking account ending in #### at The Huntington National Bank (“Huntington”).  Huntington received this matter on September 5, 2014, for review. 
We apologize for any inconvenience you may have experienced due to this situation.  A review of your account shows that your dispute was filed on June 30, 2014, and we issued provisional credit of $63.66 on July 3, 2014.  On July 29, 2014, we mailed you a copy of the merchant’s rebuttal to our chargeback along with a new dispute form asking for it to be completed and returned to us before August 12, 2014, to continue the dispute.  When you visited the [redacted] banking office with your updated paperwork on August 9, 2014, the paperwork was not immediately forwarded to the research department causing the provisional credit of $63.66 to be reversed from your checking account and your dispute closed. 
When you called our customer service center on August 18, 2014, a new dispute was entered. Due to the delay at the banking office in forwarding your completed paperwork, we reissued the provisional credit of $63.66 to your account on September 5, 2014. 
We are currently in the process of attempting to recover the funds from the merchant.  The process may take up to 180 days for resolution.  You will be notified by mail by the research department upon completion of the case.
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.
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