Thermo-Twin Windows

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

conversation.
 
Huntington Accounts:
Huntington asks that a customer
visit a local banking office so we can verify your identity prior to
closing an account.
The account will automatically
close if there is a zero balance and there are no transactions on the account
after for a period of time.
Our records show that the type of
account you have with Huntington has a $10.00 monthly service fee. This
transaction kept the account from closing.
March 2, 2015:
The Huntington collections
department refunded the $25 Extended Overdraft Fee, and you completed a
$10.00 Speed Payment.
The $10.00 payment posted to your
account on March 2, 2015 and brought your account balance to zero.
The Huntington collections
department does not have the ability to close an account.
 
March 5, 2015:
We have refunded the $10.00
account service fee to the account. This has created a $10.00 balance on
your account.
Enclosed is a check
in the amount of $10.00 which represents the balance in the account at the
time of account closing. 
Huntington has closed
this account with a zero balance.
Please
accept our apologies for not having delivered the level of service that we are
committed to providing you. We have discussed your comments at length with the
appropriate level of Huntington management, so please know that your opinions
have been heard.
 
If
I may be of further assistance to you, please feel free to contact me at
###-###-####, extension [redacted].  We
appreciate your business and the opportunity to respond to your concerns. 
 
Sincerely,
 
[redacted]
[redacted]
Customer
Advocacy Response Team

[redacted]
[redacted]
[redacted]
[redacted]
 
[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 experience and service with Barron’s
Lawn Service which led to debit card disputes ####-06NOV14 and####-19NOV14
that were filed with The Huntington National Bank (“Huntington”). I apologize
for any inconvenience this matter may have caused you.
 
I
have reviewed the disputes and would like to provide you more information as
well as inform you of a resolution. The first case, ####-06NOV14, was denied
due to the fact that this situation is a service issue. Though I do empathize
with the experience you described, the case was denied as this situation was
not fraudulent. In this case, a service was initiated and partially received,
as noted on your dispute form the front lawn was indeed mowed, we are unable to
dispute the quality or validity of a service since we are the third party in
the dispute and were not present at the time of service nor were we privy to
any agreement.
 
In
review of the second dispute,####-19NOV14, we attempted to chargeback
(recover) the funds by informing the merchant ([redacted]) that the
transaction was not correct based on the information you provided. In this
case, your dispute form stated the transaction was completely unauthorized
(fraudulent) which was not accurate because you had done previous business with
the merchant. The transaction was not fraud, again, you were disputing the
quality of the service.
 
I
have confirmed, upon further review, that we refunded the amount of $35.58 to
your checking account ending in #### on January 13, 2015. A letter was mailed
to you confirming this final credit for your records; I also have enclosed a
copy with this letter. 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 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.
 
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]
[redacted]

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

[redacted]
 
[redacted]
 
[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 [redacted]. There are two (2) transactions of $1500.00 each which took
place recently and I would like to provide you more information to clarify your
account balance. I 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, 2014 at 1:21 p.m. in the amount of $1500.00 to be credited to
account ending in [redacted]. The funds were not held in any capacity; there was no
systematic or manual hold placed on your account. December 25, 2014 is
recognized as a federal holiday and as such the Federal Reserve does not
process banking transactions as it is not considered a business day. The amount
of 1500.00 was credited to your account ending in [redacted] on the next business
day, December 26, 2014. 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 $1500.00 on December 30, 2014 at 10:06 a.m. from account
ending in [redacted], Amana Holdings Inc., to account ending in [redacted]; this was
credited on the same business day. I apologize for any misinformation you may
have received; however, neither amount of $1500.00 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]

[redacted]           
[redacted]          
[redacted] 
 
I’m
writing in response to the rebuttal you filed with the Revdex.com
(“Revdex.com”) regarding your checking account ending in #### held with The Huntington
National Bank (“Huntington”).  Huntington
received this matter on December 13, 2014, for review. 
 
On
December 15, 2014, as a courtesy, we refunded one additional $25.00 extended
overdraft fee and one $15.00 monthly checking fee, for a total of $40.00.  We have confirmed the checking account is open
and the current amount owed on the account is $50.58.  Please contact the Customer Assistance Department
at ###-###-#### to arrange payment of the amount owed of $50.58. 
 
Please
know that if the amount owed of $50.58 is not paid by January 30, 2015, we will
re-close the account and submit your information to our collections department
and to ChexSystems. 
 
If you have additional
questions, please feel free to call me directly at ###-###-#### or at ###-###-####,
extension ####. We appreciate the opportunity to address your concerns.
 
Sincerely,
 
 
 
[redacted]
Customer
Advocacy Response Team

[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]

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 close. This make is very unprofessinal and lacks serious explanations of anything they give you what you want to hear but not the truth. Then 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]

first nothing is said about the savings account funds. As 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 closing. HaveHave ask the person responded to this complaint for contact information of other person. They have forward that information will seek this information out by other means.
Regards,
[redacted]

Dear Ms. [redacted]:I'm writing in response to your concerns addressed with the Revdex.com ("Revdex.com") datedJanuary 30, 201 5, regarding your checking account formerly held with The Huntington NationalBank ("Huntington").We have confirmed that your checking account ending in [redacted] was closed on September 4,2014,owing a balance of 449.93. On October 24, 2014, a settlement of $314.95 was offered to you.After negotiations, the settlement offer was lowered by $100.00 to $214.95. We did receive yoursettlement payment for the agreed settlement of $214.95 on October 24, 2014, and the remaining$234.98 owed was forgiven as part of the settlement. Please accept this letter as confirmation thatyour account ending in [redacted] is settled in full.If you have any additional questions or concerns, you're welcome to contact me at ###-###-####or ###-###-####, extension [redacted].Sincerely, [redacted]
[redacted]Customer Advocacy Response Team

Dear [redacted]
 
I’m writing in response to your recent complaint filed with the Revdex.com (“Revdex.com”) and to follow up on our conversation regarding mailers sent to [redacted] at your address by The Huntington National Bank (“Huntington”). It was pleasure speaking with...

you. I understand your frustration, and apologize for the unwanted mailings you received.
 
We acquire the mailing lists from a national consumer database, as do other companies. Please understand that Huntington has no control over the lists provided to us. The national consumer database is responsible for maintaining its mailing lists.
 
We do respect your request, and we have added your name and address to our Huntington “Do Not Mail” list to ensure that no additional mail solicitations from Huntington will be sent to your address. Please note that it may take up to 90 days to completely remove your name and address from our mailings, since some may already be underway. We apologize for any inconvenience, and appreciate your patience in resolving this matter.
 
If you have additional questions or concerns, please feel free to contact me at ###-###-#### or toll free at ###-###-####, extension [redacted]. I’ll be happy to assist you.
 
Sincerely, 
 
[redacted]

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

Rhe mortgage payoff amount that I paid on February 17, 2015 totaled $1,796.17 and was not $1,764.17 as indicated in the letter from Huntington National Bank.  The amount I paid included a $32.00 processing fee.  This fee was listed on my mortgage closing documents dated November 7.  Had the mortgage been filed properly then, I would have paid these charges.  However, as HNB had admitted, their oversight prevented this.  I do not feel that I am obligated to pay for services that did not occur.  I concede that the loan was eventually processed, but this was not without extensive efforts and inconvenience on my part.Additionally, I was forced to pay  a $10.00 wire transfer fee by Huntington on February 17 when I completed this payoff through the bank's wire service.  Again, I believe I should not be obligated to pay for services that would not otherwise have been necessary were it not for Huntington's errors.  Huntington Bank has graciously offered an apology for these errors and $50.00 in gift cards for my "inconvenience and the incidental expenses related to this matter".  My incidental expenses include the $42.00 detailed above.  I believe that my "inconvenience" is worth more than $8.00.  I feel betrayed by the lack of customer service shown by Huntington National Bank.  If they were a retail business I believe they would gladly offer refunds and/or discounts on future purchases or services as part of any apology.  I concede that, as a bank, this is not possible for them.  So, what recourse do I have as a consumer?  I could remove all of my money and transfer my investments, loans, and mortgages to another lender.  However, that is not realistic for me to do without considerable expense of time and money resulting from additional service fees.  This experience has shown me that HNB does not value my business.    In an effort to bring this matter to a conclusion that is acceptable to HNB and me, I am willing to accept an additional $50 in gift cards as compensation for my inconvenience and incidental expenses.  The total of $100 in reparations is small but fair. 
[redacted]

Im not accepting this response. Obviouslythe reason my dept to income is too high is because I cant afford it anymore. I am falling behind and every other creditor is working with me but this one. I did not ask to make what I owe lower. I asked for lower payments. This is not an acceptable answer please try again thanks. 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
Ms. [redacted]:
 
I’m writing in response to your complaint
filed with the Revdex.com (“Revdex.com”) dated December 30, 2014, regarding your
checking account formerly held with The Huntington National Bank
(“Huntington”).  Huntington received...

this
matter on January 2, 2015, for review. 
A
review of your account shows the following details:
 
Two
deposits were made at different ATMs on July 7, 2014.  The first check that you deposited was
entered for $450.00.  During processing
it was discovered that the check was actually written for $250.00.  As a result, a $200.00 deposit correction was
debited from your account on July 7, 2014. 
The second check that you deposited was entered as $400.00.  During processing, the check was discovered
to be written for $200.00 and the legal line of the check was un-readable.  Because the check was un-readable, the entire
amount of the $400.00 deposit was debited from your account on July 7, 2014,
and a copy of the check was mailed to you. 
The account balance after these two deposit corrections on July 7, 2014
was -$349.93.
 
According
to our records, your checking account ending in [redacted] was closed on September 4,
2014, owing a balance of -$449.93.  On
October 24, 2014, a settlement of $314.95 was offered to you.  After negotiations, the settlement offer was
lowered by $100.00 to $214.95.  We did
receive your settlement payment for the agreed settlement of $214.95 on October
24, 2014, and the remaining $234.98 owed was forgiven as part of the
settlement.  We have discovered that the
notes on your account were not updated correctly and you received a call on
December 24, 2014, in error asking for an additional $100.00 to complete the
settlement.  We apologize for any
inconvenience that this error may have caused you.  We have confirmed with ChexSystems that your
account was reported as settled on October 24, 2014.  
 
As
stated in the account disclosures that were provided when your accounts were
opened, Huntington may close
your account at any time with or without cause and with or without notice to
you.  We have confirmed that your checking account
ending in [redacted] was closed on September 4, 2014, and after being reviewed by our
Risk Department, your checking account ending in [redacted] and savings account
ending in [redacted] were closed on December 31, 2014.
 
We
have confirmed that [redacted], a personal banker at the [redacted] banking
office, contacted you on December 31, 2014, to attempt to address your concerns
about your accounts.  At that time Ms.
Morse apologized for the collection call that had been made in error and
confirmed that your account had been paid in full on October 24, 2014.  [redacted] also informed you that our Risk
Department had made the decision to close your checking and savings accounts
that were opened on October 24, 2014.
 
We
regret that our service did not meet the standards that you and Huntington
expect to be offered to our customers. I have discussed your comments with the
appropriate level of management.  While
we are sincerely dismayed to learn of your experience, we thank you for making
us aware of the details.
 
If
you have any additional questions or concerns, you’re welcome to contact me at
###-###-#### or ###-###-####, extension [redacted].
 
Sincerely,
 
 
[redacted]
[redacted]
Customer
Advocacy Response Team

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].
 
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 $93.87 from [redacted] and a debit of $94.89 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 $84.55.
 
·        
Huntington received the following
transactions on February 17, 2015:
o  
Pin Purchase to [redacted] in the
amount of $135.87.
o  
Pin Purchase to [redacted] in the amount of
$24.02.
o  
Non-Pin Purchase to [redacted] in the
amount of $9.19.
o  
Non-Pin Purchase to [redacted] in the amount
of $6.63.
o  
Non-Pin Purchase to [redacted] in the
amount of 2.10. 
·        
Huntington paid these five items for you and
charged you four $36.00 overdraft fees. Please 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 $93.87
[redacted] and the $94.89 [redacted] transactions were credited to your account.
Because we
appreciate your business, we have credited your account $108.00 in Overdraft
Fees and $75.00 in Extended Overdraft fees as a courtesy. These were the fees
that were assessed to your business account after the $93.87 transaction from [redacted] and after the $94.89 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 $93.87
[redacted], $94.89 [redacted] or $117.00 [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 options. If you have additional questions, please
feel free to contact me directly at ###-###-####.
Sincerely,
 
[redacted]
[redacted]

Dear [redacted]
 
I
am writing in response to your recent rebuttal regarding your complaint filed
through the Revdex.com (“Revdex.com”) about your bill payment to the
merchant Macy’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 17, 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 Macy’s was initiated from
your Huntington checking account ending in 5990 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, Macy’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 (Macy’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. Although we regret that you are not satisfied, our
position regarding this matter remains the same, as you initiated the bill
payment on Wednesday, March 18, 2015 at 10:59 p.m. and it was delivered timely
from that date, Huntington is unable to refund any merchant fees related to the
payment.
 
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]

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, 2015 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 response. If you have any other questions, please call me at###-###-####.Sincerely,[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]

[redacted] your statements regarding the amount withdraw made on Dec. 20th 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 provided. Also why was there no manager/supervisor on hand to explain this policy. The 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 Dec. 23rd 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 money. Your so called "error" is unacceptable and the repeated calls that followed from debt collection division are nothing short of extortion. I had called and spoke with regional manager [redacted] who assured me this would be taken care of. The 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 refunded. So even after the charges had been refunded your collections dept. still kept calling and harassing me. Be 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 5 days prior to the money being available was a major inconvenience, cost me several hours of my time and a great deal of frustration. You were going to charge me $61.03 for your error, so I am charging Huntington National Bank $61.03 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 Huntington. As 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]