Thermo-Twin Windows

Dear [redacted] , I’m writing in response to your complaint filed with the Revdex.com (“Revdex.com”) regarding your concerns with your Huntington Checking account number ending in *** In your complaint comments to the Revdex.com, you stated that on February 17, 2015, your account was negative due to two unauthorized charges (a debit of $from [redacted] and a debit of $from [redacted] ) Our records show that both of the above items did not post to your account until February 19, 2015, therefore they did not cause the overdraft to your account Please note the following information: February 17, 2015: Our records show that your beginning account balance was $ · Huntington received the following transactions on February 17, 2015: o Pin Purchase to [redacted] in the amount of $ o Pin Purchase to [redacted] in the amount of $ o Non-Pin Purchase to [redacted] in the amount of $ o Non-Pin Purchase to [redacted] in the amount of $ o Non-Pin Purchase to [redacted] in the amount of · Huntington paid these five items for you and charged you four $overdraft feesPlease note that Huntington limits the number of overdraft fees charged in one day to four · We have enclosed a copy of your “Notice of insufficient Funds” notice for your review March 9, 2015: The $ [redacted] and the $ [redacted] transactions were credited to your account Because we appreciate your business, we have credited your account $in Overdraft Fees and $in Extended Overdraft fees as a courtesyThese were the fees that were assessed to your business account after the $transaction from [redacted] and after the $transaction from [redacted] posted to your account [redacted] , after reviewing your account profile, Huntington does not have a record of an unauthorized debit dispute case for the $ [redacted] , $ [redacted] or $ [redacted] transactions Please feel free to contact our Phone Bank customer service at ###-###-#### or visit your local banking office if you would like to discuss your dispute optionsIf you have additional questions, please feel free to contact me directly at ###-###-#### Sincerely, [redacted]

Dear [redacted] I’m writing in response to your complaint filed with the Revdex.com regarding your concerns with your Huntington Checking account number ending in [redacted] and our 24-Hour Grace® product Please know that we have completed a thorough review of this matterPlease note the following: 24-Hour Grace®: · Huntington advertises that when your account is overdrawn, 24-Hour Grace® gives you more time to make a deposit to bring your account positive and avoid Overdraft Fees · 24-Hour Grace® applies when Huntington pays a transaction from your account even though you don’t have enough money (your account becomes overdrawn) 24-Hour Grace® gives you time to act—it doesn’t act for youNote: 24-Hour Grace® does not apply if we decide to return the transaction (please see the Return Fees section below) · Our 24-Hour Grace® product is a brand name, not a length of time If we pay an item for you that overdrafts your account we give you until 11:p.mon the following business day to make a deposit o If you are overdrawn on a Friday, our Hour Grace® service gives you until 11:p.mon Monday to make a depositThis is more than hours to correct the overdraft · Please visit our website at https://www.huntington.com/grace/ that will provide more information about 24-Hour Grace® and examples of transaction scenarios February 3, 2015: · After reviewing your account, we have found that the last transaction that was returned unpaid was on February 3, · When a debit card transaction to [redacted] in the amount of $and an ACH transaction to Chase Retail in the amount of $was presented to Huntington for payment, your account balance was $ o Huntington returned the $ACH item unpaid o Huntington paid the $item, which brought your account balance to -$ · This means that at the close of February 3rd’s 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 February 3rd you would have needed to make a deposit of at least $by 11:59pm on February 4, Please note: Huntington gives you a $cushion in case you can’t quite make a deposit to bring your account to a positive balanceWe only require a deposit that is enough to bring your account balance to at least (-$4.99) · Our records show that you did not make a deposit on February 4, Since a deposit was not made, the pending $overdraft fee from February 3rd was assessed to your account · A copy of the “Notice of Insufficient Funds” notice is enclosed for your review Returned Fees: Please note the following information about return fees: · 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 account 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 remember that keeping an accurate check register is the best way to avoid overdraft feesWhile our Voice Response Unit, Online Banking and Mobile Banking are helpful tools, customers are ultimately responsible for being aware of their current account balances and items outstanding 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 ###-###-#### Please remember that we can only provide so much information in a television, radio or a printed advertisementIf you would like more information regarding our Hour Grace® service and examples of transaction scenarios, please contact: · Our Phone Bank Customer Service at ###-###-####, · Visit your local banking office, · You may visit our website at https://www.huntington.com/grace/ We sincerely regret any confusion regarding our Hour Grace® service If you have additional questions, please feel free to contact me directly at ###-###-#### Sincerely, [redacted] Customer Advocacy Response Team

first nothing is said about the savings account fundsAs to what has happened to those funds.Second from the banks response it sure clear if a customer questions them or contacts their so called customer service they justClose that account and other accounts in that customer name even if that account was not the subject of the dispute.Future more I was not informed if I contact customer service department or dispute a charge my would be subject to closingHaveHave ask the person responded to this complaint for contact information of other personThey have forward that information will seek this information out by other means Regards, [redacted]

[redacted] [redacted] *** [redacted] *** *** [redacted] [redacted] I am writing in response to your recent complaint to the Revdex.com (“Revdex.com”) regarding the denial for a payment reduction on your loan ending in #### You have asked that Huntington respond to you regarding the inquiries made in that complaint I understand your frustration and apologize for the inconvenience this may have caused you The approval or denial of an application is a complex process that takes many variables into account Unfortunately, we are unable to approve your request to lower the payment on your installment loan at this time due to your debt to income ratio For your convenience, I have enclosed a copy of the credit denial letter You may obtain a free copy of your credit report at [redacted] or by calling (###-###-####) which will supply you with a report of how each creditor is reporting your accounts Through the website, you will be able to review and dispute any information you feel may be inaccurate and it will be sent directly to the creditor Please know that your comments have been heard and forwarded to the appropriate level of management If you have additional questions, you’re welcome to call me directly at ###-###-#### or at ###-###-####, extension #####We appreciate your business and the opportunity to address your concerns Sincerely, [redacted]

[redacted] [redacted] [redacted] [redacted] [redacted] [redacted] I am writing in response to your rebuttal regarding the complaint filed through the Revdex.com (“Revdex.com”) as it pertains to your checking account ending in ***There are two (2) transactions of $each which took place recently and I would like to provide you more information to clarify your account balanceI apologize for any confusion this situation may have caused you A review of your checking account confirms that you initiated a mobile deposit on December 25, at 1:p.min the amount of $to be credited to account ending in ***The funds were not held in any capacity; there was no systematic or manual hold placed on your accountDecember 25, is recognized as a federal holiday and as such the Federal Reserve does not process banking transactions as it is not considered a business dayThe amount of was credited to your account ending in [redacted] on the next business day, December 26, I have enclosed a copy of the check image and deposit confirmation which shows the date and time of deposit and its subsequent posting date for your information Further review of your checking account confirms that you initiated an electronic bill pay in the amount of $on December 30, at 10:a.mfrom account ending in ***, Amana Holdings Inc., to account ending in ***; this was credited on the same business dayI apologize for any misinformation you may have received; however, neither amount of $was held by Huntington at any time If I can be of any assistance or if you have questions, you are welcome to contact me at ###-###-#### or ###-###-####-####I will be happy to assist you Sincerely, [redacted]

Dear [redacted] I’m writing in response to your concerns addressed with the Revdex.com (“Revdex.com”) dated February 21, 2015, and your Twitter post on February 19, 2015, regarding your checking account ending in [redacted] held with The Huntington National Bank (“Huntington”) I attempted to contact you by phone, but was unsuccessful We apologize for any inconvenience that you may have experienced due to this issue After reviewing your account, we have confirmed that on February 18, 2015, [redacted] at the [redacted] banking office issued a courtesy refund of $for the overdraft fee that posted to your account on February 12, At that time she stated the $extended overdraft fee was valid and did not issue a refund for it When you called the customer service center on February 19, 2015, they refunded $of the $extended overdraft fee as a courtesy After reviewing the video from the ATM for your deposit of $on February 16, 2015, we did confirm that you experienced difficultly with your deposit As a courtesy, we refunded the remaining $of the $extended overdraft fee on February 24, 2015, as a courtesy We also apologize for any inconvenience experienced due to the customer service center manager not confirming your request for a call back would be honored 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 management While we are sincerely dismayed to learn of your experience, we thank you for making us aware of the details You’re welcome to contact me at ###-###-#### or ###-###-####, extension #####, with any further questions or concerns Sincerely, [redacted] Customer Advocacy Response Team

Dear [redacted] ***: I’m writing in response to your correspondence addressed to the Consumer Financial Protection Bureau (“CFPB”) and with the Revdex.com regarding your installment loan account number ending in *** with Huntington National Bank (“Huntington”) Huntington received this matter on January 30, for review We have completed a thorough review of this matter and found the following information: Vehicle Lease Agreement: On February 21, 2006, you visited [redacted] and you agreed to lease a Land Rover Sport through Huntington National Bank This agreement states that your first lease payment of $was due on February 21, followed by monthly lease payments of $due on the 23rd of the month This means that the second rent payment is due on March 23, and is followed by monthly rent payments due on the 23rd of the month thereafter We have enclosed a copy of this agreement for your review Payment History: Our records show that you made lease payments (through February 2008) Of the rent payments, were charged late fees because they were more than days late · We have enclosed a copy of your Lease Payment History for your review · Huntington attempted to reach you by phone to discuss the past due rent payments, but our calls and voice messages were not returned · Huntington charged this account off as a bad debt on June 27, when the account was four (4) rent payments past due Collections: · From April to September 2014, Huntington attempted to repossess our collateral of this lease, but we were unable to locate the property · Huntington retained the [redacted] ***to collect on the outstanding debt · On November 19, 2008, [redacted] *** sent the enclosed notice verifying that your account has been assigned to them for collections Repossession of Vehicle: On September 11, 2014, our vendor [redacted] located the vehicle at [redacted] The vehicle was repossessed and taken to [redacted] in [redacted] On October 24, 2014, the land Rover was sold at auction Account Status: After paying expenses, the balance owed to Huntington is $38, This account is reporting as a charged off with a balance owed to Huntington to the national credit reporting agencies We have submitted a credit bureau correction case (Case Number [redacted] ) requesting to update the amount owed to Huntington on their reporting I have enclosed a copy of the credit bureau correction letter for your review Please also know that if you disagree with information being reported, you do have the option of filing a dispute directly with the credit reporting agenciesYou can contact the credit agencies at: Experian Transunion Equifax P.O Box P.OBox P.OBox Allen, Tx Chester, PA 19022- Atlanta, GA ###-###-#### ###-###-#### ###-###-#### Experian.com Transunion.com Equifax.com Federal law requires each of the three nationwide consumer credit reporting companies - Equifax, Experian and TransUnion to give you a free credit report every months if you ask for itYou can obtain a free copy of your credit report at AnnualCreditReport.comIf you would like to do so, you can contact the credit agencies using the following contact information: Annual Credit Report Request Service P.OBox Atlanta, GA 30348- ###-###-#### www annualcreditreport com If you would like to discuss this matter further and make payments arrangements, please contact [redacted] directly at ###-###-####You are also welcome to contact me directly at ###-###-#### Sincerely, [redacted] Customer Advocacy Response Team

[redacted] *** [redacted] * The Huntington National Bank (“Huntington”) is in receipt of your complaint filed with the Revdex.com (“Revdex.com”) regarding your checking account ending in *** First, please accept our apologies for any inconvenience this matter may have caused you After a careful review of your account my findings show that on May 22, you had a starting balance of $281.67, check number was then presented to Huntington in the amount of $for paymentBecause there were insufficient funds in the account the check was returned and a Returned Item fee of $was assessed to your account on May 23, On January 21, your beginning balance was $31.74, that same day an ACH was presented to Huntington in the amount of $for paymentBecause there were insufficient funds in the account the check was returned and a Returned Item fee of $was assessed to your account on January 22, Please note the following information about Hour Grace™ and check return fees: · Checks written on your account may be returned if there was not enough money in your account to cover the checks when they are presented to us for payment Each time we get a check presented for payment that exceeds the account balance, the decision is made whether to return it or pay itPlease note that this decision to return or pay the check is based on customer history, amount of the check, account balance and past or present Bankruptcy · If a 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 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 overdraft Returned checks are subject to a fee · If we pay it, the check amount is deducted from the account, causing an overdraft 24-Hour Grace™ applies only when we pay the check 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.) MsJankowsky, because you feel that 24-Hour Grace™ wasn’t fully explained to you I have waived returned item fee for $as a courtesy After further review of your account, I found that you have not registered for text alerts or email alertsHuntington offers free text and e-mail alerts which provides more immediate information about your accounts, including balances and Hour Grace® noticesIf you’re interested in establishing your free text and e-mail alerts, please contact our Customer Service Center at ###-###-#### or visit our website If you have further questions, you may contact me directly at ###-###-#### or ###-###-####, and I’ll be happy to assist you Sincerely, [redacted] Senior Research Specialist

Dear [redacted] I’m writing in response to your complaint filed with the Revdex.com regarding the repossession of the collateral for your Huntington Installment loan account number ending in #### Please know that we have completed a thorough review of this matterThrough our research, we were able to confirm that Huntington has made multiple attempts to complete repayment arrangements but we have been unsuccessfulPlease note the following information: August 15, 2014: Huntington completed a loan rewrite package for you (loan was days past due) Huntington asked you to make a $payment to the account in order to start the rewrite process August 22, 2014: The $payment was returned due to non-sufficient funds Huntington denied the loan rewrite due to the non-payment September 11, 2014: Huntington completed a loan rewrite and sent you the documents to be signed via Fedex overnight mail You were instructed to sign and return the documents within days Since the documents were not returned by September 26, 2014, you loan rewrite was denied October 29, 2014: Huntington sent a repossession agent to your address( [redacted] ***) This agent was not able to reach you, however a contact card was left on your door asking you to contact us to discuss your account November 25, 2014: Huntington charged off this installment loan as a bad debtThe account was days past due December 2, 2014: Huntington repossessed the collateral to the installment loan (Ford FSupercrew-V8) [redacted] , as shown above, Huntington has attempted to work with you regarding the repayment of this debtIf you would like to discuss your options to recover the vehicle, please contact our Auto Asset & Recovery department at ###-###-####Please note that the deadline to recover the collateral is January 21, at 2:pm If I may be of further assistance to you, please feel free to contact me at ###-###-####, extension #### Sincerely, [redacted] Customer Advocacy Response Team

[redacted] your statements regarding the amount withdraw made on Dec20th are incorrect, I was able to withdraw more than your stated amount.The teller told me this money would be available the following day, are your tellers not aware of this policy you have providedAlso why was there no manager/supervisor on hand to explain this policyThe majority of the checks I deposited had cleared the persons account on the 19th, so there was no reason for this "adimistrative hold"! Why was this account not closed on Dec23rd when I closed it?As for the error you claim that caused the overdraft fee and the extended overdraft fee the very next day, I believe this was done in retaliation because I threatened to bring the police to the bank to retrieve my moneyYour so called "error" is unacceptable and the repeated calls that followed from debt collection division are nothing short of extortionI had called and spoke with regional manager [redacted] who assured me this would be taken care ofThe calls continued for one week and one day after I made the manager aware of this "error" As a matter of fact the second time I called this manager to address this "error", I still received another call that day in which I told the caller I complained to the manager earlier that day and after the caller checked into it I was told the the charges had been refundedSo even after the charges had been refunded your collections deptstill kept calling and harassing meBe advised I have all calls recorded, and phone records to prove this.This "error" and your hold on a check that cleared the writers account days prior to the money being available was a major inconvenience, cost me several hours of my time and a great deal of frustrationYou were going to charge me $for your error, so I am charging Huntington National Bank $for the error to my account, and I will settle for nothing less I have contacted my attorney and I am considering filing a lawsuit against HuntingtonAs for your apology I do not accept! This whole matter has been a nightmare, the worst experience I have ever had concerning a bank! Rest assured I will not let this go, your bank picked the wrong person to mess with!! Up yours, [redacted] ***

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID 10372913, and find that this resolution is satisfactory to me Regards, Marla Melendez-jones

Im not accepting this responseObviouslythe reason my dept to income is too high is because I cant afford it anymoreI am falling behind and every other creditor is working with me but this oneI did not ask to make what I owe lowerI asked for lower paymentsThis is not an acceptable answer please try again thanksRegards, [redacted]

Dear [redacted] I’m writing in response to your complaint filed with the Revdex.com (“Revdex.com”) dated January 15, 2015, regarding your checking account held with The Huntington National Bank (“Huntington”) Huntington received this matter on January 23, 2015, for review We apologize for any inconvenience that you may have experienced due to your payment to [redacted] for $being processed on January 2, and January 6, The payment was scheduled to be processed on January 6, 2015, as you had requested, but was processed on January 2, 2015, inadvertently, as well as the requested date on January 6, We have confirmed that the correction was completed on January 7, 2015, and $was credited to your checking account At that time, a stop-pay was issued for the second check that was mailed to [redacted] *** We have also confirmed that no bank fees were charged due to this matter We received your request to place a stop-pay on the $payment to [redacted] on January 6, We were unable to stop the payment as it had already been transmitted electronically to [redacted] earlier in the day Any further questions regarding this payment need to be addressed directly to [redacted] Please know that Huntington does not guarantee stop payments on checks for the first hours they are placed [redacted] ***, I understand your frustration, and apologize for the inconvenience this matter has caused you Please accept the enclosed $American Express gift cheque as token of our appreciation for your business, as well as our regret for not having lived up to Huntington’s service standards 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 Please know that we have verified that no bank fees were charged to your account as a result of your payment being processed two times If you have any additional questions or concerns, you’re welcome to contact me at ###-###-#### or ###-###-####, extension #### Sincerely, [redacted] Customer Advocacy Response Team

That was not what was told to me , He had told me in person at the branch office that he would take the charges off due the life lock was canceled and was supposed to had been disputed, I was informed once this was done no more charges would be incurred and I would be in the clear and my account would closeThis make is very unprofessinal and lacks serious explanations of anything they give you what you want to hear but not the truthThen when you try to take care of thingasjust more lies so the bank can gain money, they do not care about you as a customer Regards, [redacted]

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

Dear [redacted] : The Huntington National Bank (“Huntington”) is in receipt of your complaint filed with the Revdex.com (“Revdex.com”) regarding your checking account ending in *** First, please accept our apologies for any inconvenience this matter may have caused you After a careful review of your account, our findings show that your account was opened on April 9, and was closed on July 18, with an amount owed to Huntington of $Per your conversation with [redacted] on June 14, you stated that you were aware your account held a negative balance and you wanted to make deposits to cure the negative balanceYou were advised that you can make deposits to bring the account current, however you would receive a $extended overdraft fee for each week the account would remain negative for a maximum of feesI have confirmed we received no deposits to cure the balance owed Below, I have provided a breakdown of your account activity for your recordsThis is meant to provide clarity of what happened on your account and show you why the fees were chargedFor your convenience, the activity includes May 20th through July 18th in which provides you a starting balance and an ending balance for each day along with each transaction and how it affected your balance A review of your account activity on May 20, through July 18, shows the beginning balance of $ From the transactions listed you can see Huntington attempted to assist you by waiving fees assessed to your account; May 24, in the amount of $and again on June 4, in the amount of $Your account was closed on July 18, because no attempts were made to bring the account to a zero balanceThe amount owed to Huntington consist of remaining Non-Sufficient Funds fee for $37.50, an Extended Overdraft fee of $and the amount of the purchases that were paid into overdraft in the amount of $The total amount owed to Huntington is $91.80; you may cure the amount owed by contacting our Customer Assistance Team at ###-###-#### If you would like for us to re-open your account or have any other questions, you may contact me directly at ###-###-#### or ###-###-####, and I’ll be happy to assist you Sincerely, [redacted]

I don't think the charges are applicable because I was not aware of them considering I have paid my.payments on time and this goes back to I has no idea and the company is not willing.to help out at all Regards, [redacted]

The Huntington Investment Company ("HIC") is in receipt of [redacted] 's complaint to the BetterBusiness Bureau ("Revdex.com"))HIC has responded to [redacted] in a March 25, letter.Due to privacy reasons, HIC is unable to provide a copy of its response to [redacted] , so please contacther if you would like to obtain a copy of the responseIf you have any other questions, please call me at###-###-####.Sincerely, [redacted]

[redacted] *** [redacted] I’m writing in response to your complaint filed with the Revdex.com (“Revdex.com”) dated November 25, 2014, regarding your accounts held with The Huntington National Bank (“Huntington”) Huntington received this matter on November 26, 2014, for review We apologize for any inconvenience that you may have encountered due to your checking account ending in #### being closed As stated in the account disclosures that were provided when the account was opened, Huntington may close your account at any time with or without cause and with or without notice to you I have enclosed a copy of the account disclosures for your review Please know that Huntington does not notify the credit reporting agencies when an account is force closed We have also confirmed that this account was not reported to ChexSystems 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 correspondence addressed to the Consumer Financial Protection Bureau (“CFPB”), and the Revdex.com (“Revdex.com”) regarding your checking account number ending *** with The Huntington National Bank (“Huntington”) Huntington received this matter on February 17, for review Because we appreciate your business and we realize you feel that 24-Hour Grace® was not clearly explained to you, we have refunded $of the $in overdraft fees as a courtesyHuntington has now refunded $in overdraft fees on this account since June 13, Please understand, when you overdraw your checking account, Hour Grace® gives you until 11:pm on the next business day to make a deposit to cover the overdraft amount, plus any current amounts that must be paid You need to deposit enough to bring your account balance to at least (-$4.99) Of course, if you can get your balance out of the negative, please doBut we give you a $cushion in case you can’t quite make it all the way 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 11:59pm Below, I have provided a breakdown of your account activity for your recordsThis is meant to provide clarity of what happened on your account and show you why the fees were chargedFor your convenience, the activity includes February 10th through the 12th which provides you a starting balance and an ending balance for each day along with each transaction and how it affected your balance Your account activity on February 10, shows a beginning balance of $ At the close of Tuesday February 10th’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 February 10th, you would have needed to make a deposit of at least $by 11:pm on February 11, Your account activity on February 11, shows a beginning balance of -$ Beginning balance Transaction Presented Sufficient Funds Item Paid/Account Overdrawn or Item Returned Unpaid Ending Balance -$ PENDING AUTHORIZED DB Card Marathon Petro $ PENDING -$ -$ PENDING AUTHORIZED DB Card Speedway $ PENDING -$ -$ PENDING AUTHORIZED DB Card Dairy Queen $ PENDING -$ -$ Non-Pin Purchase Speedway $ NO Item Paid/Account Overdrawn -$ -$ Non-Pin Purchase Kroger $ NO Item Paid/Account Overdrawn -$ -$ February 10, Overdraft Fee $ Overdraft Fee -$ -$ February 10, Overdraft Fee $ Overdraft Fee -$ -$ February 10, Overdraft Fee $ Overdraft Fee -$ -$ February 10, Overdraft Fee $ Overdraft Fee -$ Since there was not a deposit made on February 11th to bring your account balance to at least -$by 11:pm, the four pending $overdraft fees were charged to your account Please remember that Huntington paid six items for you on February 10, You were only charged four overdraft fees because we limit the number of overdraft fees to four per day At the close of Wednesday February 11th’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 February 11th, you would have needed to make a deposit of at least $by 11:pm on February 12, Your account activity on February 12, shows a beginning balance of -$ Since the deposit made on February 12th was not enough to bring your account balance to at least -$by the end of the business day (11:pm), the two pending $overdraft fees were charged to your account We have enclosed a copy of your February 10, through February 12, “Notice of Insufficient Funds” notices for your review Please note the following information about 24-Hour Grace®: · Checks or internet (ACH) transactions on your account: Each time we get a check 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 transaction is based on customer history, amount of the transaction, account balance and past or current bankruptcy · If a transaction 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 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 any transaction, the amount is deducted from the account, causing an overdraftHour Grace® applies only when we pay the transaction 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 Hour Grace® service cannot be used to waive return fees Please remember that keeping an accurate check register is the best way to avoid overdraft feesWhile our Voice Response Unit and Online Banking are helpful tools, customers are ultimately responsible for being aware of their current account balances and items outstanding Huntington has e-mail and text alerts that can give you more immediate information about your accounts, including balancesIf you’re interested, you can sign up for these on Huntington.com or through our Phone Bank at ###-###-#### 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 If you have additional questions, please feel free to contact me at ###-###-#### or ###-###-####, extension *** Sincerely, [redacted] Customer Advocacy Response Team