Thermo-Twin Windows

Dear [redacted]
 
I’m
writing in response to your complaint filed with the Revdex.com
regarding your concerns with your Huntington Installment loan 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 matter. Through our
research, we were able to confirm the following:
 
July 10, 2010:
You
purchased a 2006 Toyota Avalon at [redacted]. You agreed to finance
a loan with Huntington National Bank and signed the enclosed Personal Loan
Agreement.
 
Huntington
does not show a record of any complaints or concerns regarding this personal
loan agreement
 
October 3, 2014:
Huntington
received an electronic payment in the amount of $1,151.98. Since this payment
was enough to pay the account in full, Huntington began the loan payoff
process. Please note that the payoff process can take five to seven business
days to complete.
 
October 7, 2014:
Huntington
sent you a letter stating the following:
“We have received the proceeds to
payoff your installment loan. Huntington will release the title or lien
within seven business days from the date that the proceeds successfully
satisfied the full balance of the account”.                       
 
October 13, 2014:
You
contacted Huntington to notify us of your address change from [redacted] to [redacted].
We also agreed to email a copy of the lien release to [redacted].
 
 
October 14, 2014:
Huntington
sent a lien release (paid in full) letter and the Illinois title to the [redacted]
 
October 23, 2014:
Huntington
received a phone call stating that you have not received the lien release and
title. Huntington agreed to fax the lien release to ###-###-#### and to send
the documents via FedEx overnight mail to the [redacted] address (FedEx tracking number [redacted]).
 
October 24, 2014:
Huntington
verified that the package was delivered at 11:47 am.
 
Please
note that our records show that Huntington followed our policies and guidelines
regarding the release of the line and title. Unfortunately, we cannot offer any
compensation for your rental car expenses as there was not a Huntington Bank
error. However, as a customer courtesy, we will refund the prepayment fee. A
check in the amount of $124.71 will be sent to you at the address listed on
this letter.
 
[redacted], we understand what a difficult time this is for you. We sincerely
apologize that we did not meet your expectations. If you have additional
questions, please feel free to call me directly at ###-###-#### or at
###-###-####, extension ####.
 
Sincerely,
 
 
[redacted]
Customer
Advocacy Response Team

Dear
[redacted]
 
I’m
writing in response to your recent complaint filed through the RevDex.com (“Revdex.com”) regarding a $100.00 promotional offer for opening a new checking
account.
 
Our
records indicate that your checking account ending in...

[redacted] was opened on August
16, 2012, and no promotional coupon was entered onto the account during the
account opening. This matter was forwarded to the appropriate level of
management for review. Since the requirements to qualify for this offer were
not met within the 60 day timeframe, the promotional offer was not deposited to
your checking account.
 
We
are unable to locate a promotional offer in your name being directly mailed to
your address. Please understand that there are several different options where
a promotional coupon can be sent to a customer, the most common avenues
include:
 
·        
Directly
mailed to customers by Huntington
·        
Included
in Val-Pak coupon packets
·        
Included
in Welcome packets from US Post Office  
 
[redacted], please accept our apologies for any inconvenience this matter may have
caused. If I can be of any assistance or if you have questions, you are welcome
to contact me at ###-###-#### or ###-###-####. I am happy to
assist you.
 
Sincerely,
 
 
 
[redacted]

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 [redacted].
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 credited your account a $37.50 Overdraft Fee as a courtesy.
Huntington has now refunded $75.00 in Overdraft Fees since February 13, 2015.
February 6, 2015:
When
check number [redacted] in the amount of $960.00 was presented to Huntington for
payment, your account balance was $6.17. A copy of the “Notice of Insufficient
Funds” notice is enclosed for your review.
 
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 it. Our 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 occurs. For example, a customer’s
checking account balance is currently $50, and an item he wrote for $100 is
presented to us for payment. If we return the transaction instead of paying it,
his account balance stays at $50 and there is no account overdraft. Returned
items are subject to a fee.
·        
If we pay it, the transaction amount is
deducted from the account, causing an overdraft. 24-Hour Grace® applies only
when we pay the item 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.)
Pre-Authorized Debits:
·        
Personal
Checks:
When
you sign a check, you are stating that the funds are immediately available.
Depending on when the item is presented to Huntington for payment, these items
may not show up as a pending item. Therefore a text alert will not be sent.
 
·        
Electronic
Transactions (“ACH”):
When
you give a third party your account number so they can debt your account or
when you authorize a debt to be electronically sent to a third party, you are
stating that the funds are immediately available. Depending on when the item is
presented to Huntington for payment, these items may not show up as a pending
item. Therefore a text alert will not be sent.
 
February 24, 2015:
When
the ACH transaction from Western-SouthernPAC Insurance in the amount of $116.96
was presented to Huntington for payment, your account balance was $78.83.
Huntington paid this item into overdraft. A copy of the “Notice of Insufficient
Funds” notice is enclosed for your review.
 
This
means that at the close of February 24th business day, Huntington
paid an item for you when you did not have the available funds. In order for
the 24 Hour Grace® service to waive the pending overdraft fees from
February 24th, you would have needed to make a deposit of at least $33.14
by 11:59pm on February 25, 2015. Our records show that you did not make a
deposit on February 25, 2015.
 
Please
note that after Huntington paid the Western-SouthernPAC Insurance payment of
$116.96, your account balance was -$38.13. Huntington will not charge an
overdraft fee if the account balance is less than $5.00 negative. This is why a
deposit of only $33.14 was needed to avoid the pending overdraft fee.
 
March 5, 2015:
When
the ACH transaction from DirectTV in the amount of $101.00 was presented to
Huntington for payment, your account balance was $56.56. Huntington paid this
item into overdraft. A copy of the “Notice of Insufficient Funds” notice is
enclosed for your review.
 
This
means that at the close of March 5th business day, Huntington paid
an item for you when you did not have the available funds. In order for the 24
Hour Grace® service to waive the pending overdraft fees from March 5th,
you would have needed to make a deposit of at least $39.45 by 11:59pm on March
5, 2015. Our records show that you made a deposit of $1,100.00. The pending
overdraft fee was waived by our 24 Hour Grace® service.
 
Please
remember that keeping an accurate check register is the best way to avoid
overdraft fees. While our Voice Response Unit, Online Banking, Mobile Banking
and Account Alerts are helpful tools, customers are ultimately responsible for
being aware of their current account balances and items outstanding.
 
[redacted], we can only
provide so much information in a television, radio or a printed advertisement. If
you would like more information regarding our 24 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/
 
Thank you for making
us aware of your concern. If you have additional questions, please feel free to
contact me at ###-###-####.
 
Sincerely,
 
[redacted]
Customer
Advocacy Response Team

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 matter. Through our
research, we were able to confirm that Huntington has made multiple attempts to
complete repayment arrangements but we have been unsuccessful. Please note the
following information:
 
August 15, 2014:
Huntington completed a loan
rewrite package for you (loan was 68 days past due).
Huntington asked you to make a
$178.16 payment to the account in order to start the rewrite process.
 
August 22, 2014:
The $178.16 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 15 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 debt. The account was 170 days past due.
December 2, 2014:
Huntington repossessed the
collateral to the installment loan (2005 Ford F150 Supercrew-V8).
 
[redacted], as shown above, Huntington has attempted to work with you regarding the
repayment of this debt. If 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, 2014 at 2:00 pm.
 
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]
** 
      
The Huntington National Bank (“Huntington”) is in receipt of your complaint filed with the Revdex.com (“Revdex.com”) regarding...

your checking account ending in [redacted].  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, 2014 you had a starting balance of $281.67, check number 5475 was then presented to Huntington in the amount of $675.00 for payment. Because there were insufficient funds in the account the check was returned and a Returned Item fee of $23.00 was assessed to your account on May 23, 2014.
 
On January 21, 2015 your beginning balance was $31.74, that same day an ACH was presented to Huntington in the amount of $173.58 for payment. Because there were insufficient funds in the account the check was returned and a Returned Item fee of $37.50 was assessed to your account on January 22, 2015
 
Please note the following information about 24 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 it. Please 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 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, his account balance stays at $50 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 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.)
Ms. Jankowsky, because you feel that 24-Hour Grace™ wasn’t fully explained to you I have waived 1 returned item fee for $37.50 as a courtesy.
 
After further review of your account, I found that you have not registered for text alerts or email alerts. Huntington offers free text and e-mail alerts which provides more immediate information about your accounts, including balances and 24 Hour Grace® notices. If 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

[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. I have attempted to contact you by phone but have been unable to reach you.
 
After a careful review of your account, our findings show that your account was opened on September 16, 2013 and was charged off on December 23, 2013 with a negative amount owed of $145.40. As a courtesy we have waived 3 Non-Sufficient fund Fees for $37.50 each and 1 Extended Overdraft Fee for $25.00 totaling $137.50 in total fees waived. This brings your owing balance to $7.90.
 
Below, I have provided a breakdown of your account activity for your records. This is meant to provide clarity of what happened on your account and show you why the fees were charged. For your convenience, the activity includes October 24th through December 23th in 2013 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 October 24, 2013 through December 23, 2013 shows the beginning balance of $75.19. 
 
Your dispute for the charge of $49.99 from [redacted] was approved and the funds were credited back to your account on October 28, 2013. For you to have not received any Overdraft Fees the account had to remain positive on October 28, 2013. When you made the Huntington ATM Withdrawal for $40.00 on October 28, 2013 and put your account -$7.90, this caused the account to remain negative and the Overdraft Fees to occur.
 
You may cure the -$7.90 on your account by going into a branch and making a payment, re-opening the account and making a deposit or you can mail the payment directly to me. I have enclosed a postage paid envelope for you to use.
 
If you would like for us to re-open your account or have any other questions, you may contact me directly at 614-418-3948 or 1-800-480-2265 ext. 83948, and I’ll be happy to assist you.
 
Sincerely,[redacted]

Dear [redacted]:
 
I
am writing in response to your recent complaint filed through the RevDex.com (“Revdex.com”) regarding your bill payment to the merchant [redacted]’s that was
filed with The Huntington National Bank (“Huntington”). I apologize for...

any
inconvenience this matter may have caused you. Huntington received this matter
for review on April 10, 2015. 
I
have reviewed the bill payment and would like to provide you more information 
·        
In
accordance with the Online Access and Bill Pay Agreement and Disclosure Statements
that pertain to your account: 
o   …Transfers are not final at the
time we receive your instructions, but we will begin to process them promptly.
You should allow at least 1 business day for us to process transfers between
qualifying accounts with us. You should allow at least 3 business days for us
to process transfers between a qualifying account with us and a qualifying
account with another financial institution. Each transfer will be posted to any
account with us from which it is made, and to any other account with us that is
involved in the transaction, on the business day on which the transfer is made.
Each transfer you make on a non-business day, or after our Online Banking
cut-off time on any business day, will be considered made on the following business
day. We will notify you of the Online Banking cut-off time in any manner we
choose, but usually the cut-off time is posted on our website. 
·        
Your
bill payment in the amount of $83.20 and payable to [redacted]’s was initiated from
your Huntington checking account ending in [redacted] on Wednesday, March 18, 2015 at
10:59 p.m. 
·        
This
means, in order for this payment to arrive by Thursday, March 19, 2015, the bill
payment needed to be initiated by Tuesday, March 17, 2015 and prior to the 4
p.m. cut off time. 
·        
The
payment was scheduled for and successfully released on Thursday, March 19,
2015. 
·        
Please
note, our Online Banking service is generally available 24 hours a day, 7 days
a week. However, we only process transactions and update information on
business days. Our business days are Monday through Friday; Saturday, Sunday,
and holidays are not business days due to the Federal Reserve being closed.
 ·        
As
confirmed in your complaint, [redacted]’s received your bill payment of $83.20 on Saturday,
March 21, 2015. 
·        
In
accordance with the Bill Pay Agreement and Disclosure, Huntington did present
your bill payment to the payee ([redacted]’s) within three (3) business days of its
initiation. I have enclosed a copy of your Online Access and Bill Pay Agreement
and Disclosure Statements for your review and records. 
·        
We
have confirmed there was no procedural or processing error related to your bill
payment; therefore, Huntington is unable to honor your request for
compensation. 
I
apologize for any inconvenience this matter may have caused you and that we are
unable to provide your desired resolution. 
If
I can be of any further assistance or if you have questions, you are welcome to
contact me at ###-###-#### or ###-###-####-[redacted]. I will be happy to
assist you.
Sincerely,
 
 
 
[redacted]

[redacted]
My account did not have funds until the 30th of December, which is what
my complaint was in regards. The bank is saying that on the 26th the
funds should have been in the account which was not the case. When I
called on the 29th, they said the funds are held in float.
Regards,
[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

[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

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 2012. I has no idea and the company is not willing.to help out at all.
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. At this time Huntington’s position has not changed.
 
After a careful review of your account, our findings show that your account was opened on April 9, 2013 and was closed on July 18, 2013 with an amount owed to Huntington of $91.80. Per your conversation with [redacted] on June 14, 2013 you stated that you were aware your account held a negative balance and you wanted to make deposits to cure the negative balance. You were advised that you can make deposits to bring the account current, however you would receive a $25.00 extended overdraft fee for each week the account would remain negative for a maximum of 4 fees. I have confirmed we received no deposits to cure the balance owed.  
 
Below, I have provided a breakdown of your account activity for your records. This is meant to provide clarity of what happened on your account and show you why the fees were charged. For your convenience, the activity includes May 20th through July 18th in 2013 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, 2013 through July 18, 2013 shows the beginning balance of $.70.
 
From the transactions listed you can see Huntington attempted to assist you by waiving fees assessed to your account; May 24, 2013 in the amount of $37.50 and again on June 4, 2013 in the amount of $75.00. Your account was closed on July 18, 2013 because no attempts were made to bring the account to a zero balance. The amount owed to Huntington consist of 1 remaining Non-Sufficient Funds fee for $37.50, an Extended Overdraft fee of $25.00 and the amount of the purchases that were paid into overdraft in the amount of $29.90. The total amount owed to Huntington is $91.80; you may cure the amount owed by contacting our Customer Assistance Team at
###-###-####.
 
When your account was opened you were provided a fee disclosure with your Agreement and Disclosure of account terms of your account. I have enclosed a copy of the fee disclosure for your review.
 
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]
[redacted]

[redacted]
I am writing in response to your complaint filed with the Revdex.com (“Revdex.com”) regarding the service your described your received at your local Huntington National Bank (“Huntington”). We received this matter for review on November 17, 2014. As a...

courtesy, we refunded $37.50 for the one returned item fee and $20.00 to cover the amount you were charged from your rental office for the returned check.
I understand your frustration, and apologize for the inconvenience you were caused concerning the counter check written off your checking account ending in ####. Providing you with an excellent Huntington experience is our goal, and we are disappointed when we fall short.  Please know that the comments provided have been heard and forwarded to the appropriate level of management so the necessary improvements can be made.
I have reviewed your account and found that the “opt-out” Huntington’s overdraft election was made on November 13, 2014 for all other transactions and that you were chose to “opt-in” for Debit Card and ATM transactions. The election process takes two business days to become effective; therefore, the election change was not complete until November 15, 2014. The fee was associated with charges completed on your Huntington debit card prior to the election change.
If you are unsure how “opting-in” or “opting- out” of the payment for all other transactions affects your account, please feel free to contact our Customer Service Center at ###-###-####
. They will be happy to discuss that with you. 
Since the account was “opted-out” for all other transactions and the funds were not available, your rent payment was not paid by Huntington. Please understand, if you would “opt-in” to our overdraft service, it is at the discretion of Huntington whether or not we pay an item into overdraft on your behalf.
Please note the following information about return fees:
·         The transaction on your account was returned because there was not enough money in your account to cover the item when it was presented to us for payment and your checking account was opted out of the overdraft service.  If you were opted in to the service, and an item is presented for payment that exceeds the account balance, there is a systematic review that occurs to decide whether to return the item or pay it. Please note that our decision to return or pay the item is based on customer history, amount of the item, 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 transaction 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, his account balance stays at $50 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 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.
·         Huntington offers free e-mail and text alerts that can give you more immediate information about your accounts, including balances and 24 Hour Grace® notices. If you’re interested in e-mail and text alerts, you can sign up for these services on Huntington.com or contact our Customer Service Center at ###-###-####.
 
·         For more information regarding 24-Hour Grace® please visit our website at www.huntington.com/grace/.     
If you have further questions, you’re welcome to call me directly at ###-###-#### or ###-###-####, extension #### and I’ll be happy to assist you.
[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 [redacted] with Huntington National Bank
(“Huntington”)....

Huntington received this matter on January 30, 2015 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 2006 Land Rover Sport
through Huntington National Bank.
This agreement states that your
first lease payment of $931.92 was due on February 21, 2006 followed by 38
monthly lease payments of $931.92 due on the 23rd of the month.

This means that the second rent
payment is due on March 23, 2006 and is followed by 37 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 23
lease payments (through February 2008).
Of the 23 rent payments, 13 were
charged late fees because they were more than 10 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, 2008 when the account was four
(4) rent payments past due.
 
Collections:
·        
From
April 2008 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 2006 land Rover was sold at auction.
 
Account Status:
After
paying expenses, the balance owed to Huntington is $38,641.19.
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 agencies. You can
contact the credit agencies at:
 
Experian
                             Transunion      ...⇄ Equifax
P.O.
Box 9701                     P.O. Box
2000                        P.O. Box
740256
Allen,
Tx. 75013                  Chester, PA.
19022-2000       Atlanta, GA. 30374
###-###-####                  ###-###-####                      ###-###-####
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 12 months if you ask for it. You can obtain a free
copy of your credit report at AnnualCreditReport.com. If you would like to
do so, you can contact the credit agencies using the following contact
information:
 
    
       Annual Credit Report Request Service
     
      P.O. Box 105281
     
      Atlanta, GA 30348-5281
     
      ###-###-####
            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]
[redacted]
Customer
Advocacy Response Team

Dear [redacted]
 
The Huntington National Bank (“Huntington”) is in receipt of your complaint filed with the Consumer Financial Protection Bureau (“CFPB”) and the Revdex.com (“Revdex.com”) regarding your business and personal checking accounts.  
 
I understand your...

frustration, and apologize for the inconvenience you were caused.  Providing you with an excellent Huntington experience is our goal, and we are disappointed when we fall short. Please understand that on March 9, 2015, a debit card transaction was presented for payment on your business checking account ending in [redacted] in the amount of $12.68. The debit card transaction was paid, bringing your account balance to -$4.68. This subsequently caused a Non-Sufficient Funds fee to be charged to your account in the amount of $36.00, bringing your balance to -$40.68. Because the account remained negative for 5 consecutive business days your account was then charged an Extended Overdraft fee in the amount of $25.00.
 
[redacted], it is the customer’s responsibility to both monitor and maintain his or her accounts from over drafting to avoid Non-Sufficient Funds fees. In an attempt to assist our customers know when an overdraft has occurred on their account, we do mail Insufficient Fund notices to our customers. As these notices are sent by mail, which can be delayed, they should not be used as a primary source to monitor your checking accounts for overdrafts. The best way to monitor your day to day transactions is by keeping an accurate check register. 
 
Please know that both the Non-Sufficient Funds fee and the Extended Overdraft fee are listed as such on your account DDA Statement from March 1, 2015 to March 31, 2015, which I have enclosed for your review.
 
To address your assertions that Huntington refused to transfer funds between your accounts, you have the ability to do transfers using online and telephone banking. However, we are unable to transfer funds from a personal account to a business account, as the accounts are not able to be linked. The option was present however to do an online bill pay from one account to another. 
 
On April 1, 2015, a refund of the $25.00 Extended Overdraft fee was returned to you, as well as the $36.00 Non-Sufficient Fund fee on April 2, 2015; both fees were refunded to you as a courtesy.
 
Per our Agreement and Disclosure of Account Terms and Rules and Regulations, which we have enclosed, we exercised our right to close your Huntington Accounts. Your business account ending in [redacted] was closed on April 9, 2015, with a total balance of $17.45, while your personal accounts ending in [redacted] and [redacted] were closed on April 20, 2015, with a total balance of $11.56. While the balance of your business account of $17.45 was mailed to you under separate cover on April 10, 2015, please find the enclosed check in the amount of $11.56. This amount reflects the closing balance of your personal checking and savings accounts.
 
If you have any questions in the interim, please contact me at ###-###-#### or toll free at ###-###-####.
 
Sincerely,
 
 
 
[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 $206.00 being processed on January 2, 2015 and
January 6, 2015.  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, 2015.  We have confirmed that
the correction was completed on January 7, 2015, and $206.00 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 $109.97 payment to [redacted]
on January 6, 2015.  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 24 hours they are placed.
 
[redacted], I
understand your frustration, and apologize for the inconvenience this matter
has caused you.  Please accept the
enclosed $25.00 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]
[redacted]
Customer Advocacy Response Team

[redacted]
 
[redacted]
 
[redacted]              
[redacted]   
[redacted]...

[redacted]
 
[redacted]   
           
I am writing in response to your
recent complaint filed through the Revdex.com (“Revdex.com”) regarding your
customer service experience and your debit card dispute case number [redacted];
related to a transaction you claimed as unauthorized that was filed with The
Huntington National Bank (“Huntington”). I apologize for any inconvenience this
matter may have caused you.
 
I have reviewed the dispute and
would like to provide you more information, as well as, inform you of a
resolution. You initiated the debit card dispute, [redacted], on January 2,
2015 for a debit card transaction from [redacted] for $97.50. When the
case was created, it was noted that you do business with this merchant for your
student loan payments and had asked to halt the payments temporarily because
you intended to pay the transaction by another method.
 
I understand that you feel this
transaction was unauthorized; however, it does not constitute fraud. As you do
business with the merchant and do owe funds to the merchant, this is a payment
date issue. The cardholder statement of dispute you provided included comments
stating that “they weren’t supposed to have debited the account yet.”
 
I apologize for any misinformation
you may have received. We strive to provide an excellent Huntington experience
for each customer and are disappointed when we fall short. Your comments
regarding your customer service experience have been forwarded to the
appropriate level of management. To clarify, I can confirm that we strive to
review all debit card cases within five (5) business days of receipt. Your case
was reviewed on January 9, 2015, which was the fifth business day. We are
required, in accordance with federal regulations, to issue a provisional,
temporary credit while we continue to research cases of fraud no later than the
tenth business day. This timeframe did not apply to your case as the
transaction was not fraudulent.
 
Due to this being a merchant issue,
we requested more information to determine what dispute rights Huntington had
as the third party in this case. On January 9, 2015, we mailed you an updated
dispute form (mail was indicated as your communication preference for the case)
requesting proof of payment by other means and any information regarding
attempts to resolve this issue with the merchant directly. Had proof of payment
by another method such as cash, check, credit card etc. been provided, we would
have been able to dispute the transaction on the basis that you had already
paid the amount due. The case was then scheduled to be reviewed on January 22,
2015.
 
I have confirmed, upon review of
the case on January 22, 2015, the merchant, [redacted], refunded the
amount of $97.50 to your checking account ending in 7658 on January 21, 2015. Due
to the merchant issuing credit, we refunded all related fees on January 22,
2015. The refund included seven non-sufficient funds fees of $37.50 each and
three extended overdraft fees of $25.00 each. This is a total refund of $337.50
for related fees. A letter was mailed to you confirming this merchant credit and
fee refund for your records; I also have enclosed a copy with this letter.
 
Upon further review of your
account, I found that this merchant also debited your account on January 12,
2015 for an amount of $97.50. If you feel that this transaction is not correct,
you will need to contact the merchant directly to resolve your concern.
Huntington is unable to dispute the transaction as you do business with the
merchant and funds are owed for a loan.
 
I apologize that you feel we did
not protect your money; however, in cases of merchant disputes Huntington
intervenes on your behalf and there is not a guarantee that based upon a
customer’s request the dispute will be successful.
 
If you have concerns that the
company may attempt to debit your account in the future, you may wish to
consider closing your debit card and requesting a new one; this would prevent
the company from debiting you without your knowledge again. However, this may
adversely affect your account with the merchant if a balance is still owed.
 
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]
Senior Research Specialist

I am rejecting this because one of their customer online agents TOLD me I had to open a NEW checking account to use the code I used on December 31, 2014. If that agent online had told me then it was ONLY for NEW customers I wouldn't have opened a NEW checking account. I received the NEW promotional code months AFTER opening my first checking account. When I asked the lady online she said she could not replace the previous promotional offer I would have to OPEN a new checking account. I will make sure to tell people not to open a checking account with Huntington with a promotional offer because they make it impossible to get the promotional offer. Had I known I had to have a ONE time direct deposit of $500 I would not have opened the account. I NEVER have more than $300 direct deposited at one time.  But since you are a big giant of a bank and I am just a little no one it doesn't matter to you. I think this is wrong. Especially after I was told by someone online at Huntington I HAD to open a NEW checking account. Thanks for nothing.
Regards,
[redacted]

I find Huntington's response irresponsible and calculating. In the document that was attached to Huntington's response which is supposed to spell out security measures to protect business accounts, there is not a single mention of security in the entire document. May be the individual who responded to this complaint who claimed to be a research specialist should have read the document to know that there is no where in there where there is a mention of security or protection. In deed, the only security product we ever received from Huntington is RAPPORT which we use as instructed. I believe there is a very good reason why Huntington loses a lot of customers to other financial institutions and we won't be an exception. We will be moving both my business and personal accounts to another bank. Additionally, I will make sure I encourage my 85 employees that currently bank with Huntington to move their accounts elsewhere because their money is not safe with Huntington. We receive over 3 million dollars in deposit through Hunting for both of my companies each year and I will not allow such irresponsible behavior by a financial institution to go unanswered. We will move to another financial institution that we know will protect our funds.
Regards,
[redacted]