The Huntington National Bank

[redacted] 
I’m writing in response to
your complaint filed with the Revdex.com (“Revdex.com”) regarding Huntington
National Bank (“Huntington”) right to set-off a balance owed on your...

Personal
Line of Credit (“PCL”) ending in ####. 
Huntington received this matter for review on August 20, 2014. 
At the outset, please accept my
sympathies for the loss of your husband. 
I understand
your frustration and apologize for any inconvenience this matter has
caused.  Please know that your comments
have been shared with the appropriate level of management. 
A review of your concern
shows that this PCL loan originated on November 26, 2002 with [redacted].  In September 2007, Huntington acquired this
loan from [redacted].
On August 13, 2014, our Customer
Assistance Team debited your checking account ending in 5078 in the amount of $143.64.  This account was debited due to an
outstanding balance owed on your Personal Line of Credit account ending in 6881
which was in default and due for your April 10, 2014 payment.  We completed this transaction pursuant to our
right of set-off.  I have also confirmed
that no fees occurred on your checking account as a result of the right to
set-off.
Per your Personal Line of
Credit – Variable Rate Agreement and Disclosure, a description of our right to
set-off was provided to you at the time of loan closing.  Included in your disclosures is a paragraph
that states the following information.  I
have enclosed a copy of your loan agreement for your reference.
            Right to Setoff:
To
the extent permitted by acceptable law, we reserve the right to setoff in all
your accounts with us (whether checking, savings, or some other account),
including without limitation, all accounts you may open in the future. However,
this does not include any IRA or Keogh accounts, or any trust accounts for
which setoff would be prohibited by law. You authorize us, to the extent
permitted by acceptable law, to charge or setoff all sums owing on this
Agreement against any and all such accounts.
Huntington’s Customer Assistance Team has attempted to
resolve this matter and establish payment arrangements to no avail.  As you indicated in your complaint you are in
the process of filing a bankruptcy.  As
of the date of this letter Huntington has not received notification that you
have filed for bankruptcy.
The set-off of $143.64 that
was completed on August 13, 2014 to your checking account ending in #### is
valid, and will not be reversed.
In your complaint you assert
that that a Customer Service Representative hung up on your son.  I have reviewed this matter and when a
Huntington Customer Assistance Associate attempted to reach you, on August 8,
2014, a male answered the phone and attempted to inquire about this loan.  Huntington, like other financial
institutions, treats its customer records as confidential and will not disclose
customer records without appropriate authorization. As we did not have
authorization, we were unable to disclose information regarding this loan to
him.  At this time we informed the male,
that we could not disclose any information and that we would disconnect the call.
Currently, your loan is due for your June 10, 2014
payment.  Please understand that as this
is a valid debt Huntington will continue efforts to collect until other
circumstances forbid us to do so.  If you
have any further questions or concerns please feel free to contact me at ###-###-####
or ###-###-####.
Sincerely,
[redacted]

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])

[redacted]              
[redacted] 
I’m writing in response to the rebuttal you filed for your case with the Revdex.com (“Revdex.com”) dated September 5, 2014, 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 we mailed a letter to you on September 16, 2014, stating that the merchant provided documentation showing the transaction for $63.66 on June 26, 2014, is valid.  The letter also stated that we were going to reverse the provisional credit of $63.66 on September 26, 2014.  Enclosed you will find copies of the documents that the merchant provided and a copy of the reversal letter sent by our research department.
We have confirmed that Walmart.com authorized $79.74 on June 14, 2014, and the transaction posted to your checking account for $63.66 on June 26, 2014.  It is important to understand that there were two separate transactions that have posted to your checking account from [redacted].
There was also a transaction in the amount of $66.48 which was conducted at [redacted] #### in [redacted]  The card was swiped and the correct PIN number was entered.  This charge for $66.48 posted to your checking account on June 14, 2014.  This was not paid to [redacted].com as you stated in your rebuttal.   
We have confirmed that there was only one transaction to [redacted].com and the merchandise was delivered on 6/18/14.  We have enclosed a copy of the Fed-Ex tracking information for your convenience that was provided by the merchant.
Currently your account has a balance owing of -$63.08.  Please be aware that if your account remains in a negative status, as it has been, 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.
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

As I stated in my last email. The promo was something I got in the mail and entered it on the Huntington website. They know the code since it was entered into their website. I am appalled that they would try to deny that since it was their promo for anyone coming to Huntington. I will pay the $47 and be done. All 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 a missing $200.00 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 matter. Through our research we found that the $200 deposit was located and the funds were applied to your checking account on July 23, 2014.
[redacted], we appreciate your feedback and sincerely apologize that we did not meet your expectations. We 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]

Dear [redacted]
This letter is in response to the Revdex.com complaint number ########## received by Huntington National Bank on July 21, 2014. This letter is also confirmation of our telephone conversation on July 23, 2014 regarding your debit card dispute and associated fees....


Please note, your debit card case, 0747-16JUL14, was completed on July 23, 2014. The merchant issued credit on July 21, 2014 in the amount of $179.98 and we refunded the two associated fees for $75.00 on July 24, 2014. 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]
[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, 2014.  We have enclosed a copy of the confirmation letter that was mailed on June 20, 2014. 
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 $37.50 and three extended overdraft fee of $25.00, for a total of $233.50.  This represents all of the bank fees that have been charged to the account since it was opened on June 15, 2014.
We have confirmed the $100.00 promo bonus claimed for opening your account was credited to your account on July 9, 2014.  We have no record of a promo for $50.00 or $150.00 being claimed at the time your account was opened. 
Currently your account has a balance owing of -$97.51.  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 matter. Our records show that you have contacted our...

Phone Bank customer service on multiple occasions from July 2010 through August 2010. Please note the following timeline:
July 2, 2010:
You called our Phone Bank (#######) to request a payoff quote.
     $7,727.30 good through July 2, 2010; interest per diem $3.0171.
July 20, 2010:
Huntington received an electronic payment in the amount of $334.23. After this payment was applied to this loan, the new principal balance was $7,347.38.
July 21, 2010:
You called our Phone Bank (######) to request a payoff quote.
     $7,470.71 good through July 28, 2010; interest per diem $2.9168.
August 23, 2010:
You called our Phone Bank (###########) to request a payoff quote.
     $7,591.97 good through August 30, 2010; interest per diem $2.9168.
August 24, 2010:
Huntington received an electronic payment in the amount of $334.23. After this payment was applied to this loan, the new principal balance was $7,115.24.
August 25, 2010:
You called our Phone Bank (######) to request a payoff quote.
     $7,237.83 good through September 1, 2010; interest per diem $2.8246.
September 30, 2010:
You made a payment of $7,115.24 at our [redacted] [redacted] banking office. After this payment was applied to this loan, the new principal balance was $129.51.
Please note that the $7,115.24 amount paid on September 30, 2010, was less than the last payoff quote given to you on August 25th. As 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, 2010.
December 4, 2010:
Huntington sent the enclosed letter stating:
“The current month’s payment regarding the above account has not been received. To 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 payment. Huntington made multiple attempts to contact you to discuss a repayment plan. Please 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 due. If you have a temporary financial problem, we may be able to help. It may be in your best interest to call your account representative, to discuss options to bring the account current and avoid additional expense. Unless 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 released. Huntington sends a lien release/account paid in full letter 3 to 5 business days after we verify the account has been paid in full. Our records show that this letter was sent to you on February 23, 2011.
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]