Thermo-Twin Windows

Dear *** ***:
I’m writing in response to your
correspondence addressed to the Revdex.com (“Revdex.com”)
regarding your
savings account number ending in *** with The Huntington National Bank
(“Huntington”)Huntington received this matter on January 16, for
review
I understand your
frustration and apologize for the inconvenience. My research has revealed
that according to the account “Funds Availability Policy” which was given to
you when you opened this account on November 19, along with the Rules and Regulations for Business Accounts, Huntington
has the right to delay the availability of a deposited check in some instances
We have enclosed a copy of these disclosures for your review
Rules and Regulations
for Business Accounts:
Listed under “Making
Deposits: it states:
“We will act as your
agent in collecting the money for checks, other items and entries deposited to
your account (“deposited items”)We will be careful in making collections, but
we will not be responsible for losses caused by you or others in the collection
processWe may credit your account for the amount of deposited items, subject
to actually collecting the money for themHowever, subject to federal regulations
and our Funds Availability Policy, we reserve the right to wait until we
have actually received the money for them before we credit your account,
and to receive deposits subject to special conditionsIf we credit your
account for the amount of any deposited item and it is returned for any reason,
we may debit that amount from your accountWe may do this even before a
deposited item is returned to us if we have good reason to believe it cannot be
collected or is being returned”
Funds
Availability Policy:
Listed
under “Availability of check deposits” it states:
Except in certain
circumstances (see e.g., "LONGER DELAYS MAY APPLY"), if you have
maintained a satisfactory checking account relationship with us for:
Over
Six Months: All
funds from your check deposits will be available on the first business day
after the business day of each deposit.
Up
to and including Six Months: Up to $of funds from check
deposits in your account will be available on the first business day after
the business day of each depositThe remainder of your funds from check
deposits will be available on the second business day after the business
day of each deposit.
In
your case, when you made the $4,deposit on Friday December 19, 2014, and
since your account is less than six months old, you received the availability
of $on the first business day after the business day of your deposit
(Monday December 22, 2014) and the remainder of your funds on the second
business day after the business day of the deposit (Tuesday December 23, 2014)
I have enclosed a copy of the Funds Availability Policy for your review
Account Closing:
On
December 26, 2014, you asked to have your savings account number ending in *** closedDuring the closing process, a bank error was made when closing the
accountThis error cause an overdraft fee and extended overdraft fees to be
charged to your accountThese fees were refunded to your account on January 9,
and the account was closed on January 21, with a zero balance
*** ***, we do apologize that our collections department was calling you as they
were not aware that the overdraft fees were caused by a bank error
Please
know that we have discussed your comments at length with the appropriate level
of Huntington management, so please know that your comments have been heardWe
appreciate your feedback and 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 #####We appreciate your business
and the opportunity to address your concerns
Sincerely,
*** ***
*** ***
Customer Advocacy Response Team

I am rejecting this response because your website shows he calendar where stated the payment would be there on the
I will be closing my bank account with Huntington National Bank because does not deliver what advertises
Regards,
*** ***

Initial Business Response /* (1000, 8, 2015/02/09) */
I am writing on behalf of *** *** our Service Manager regarding Case # *** - *** ***She has been recently in talks with the client and the parts have been ordered from the supplier on the 10th of Dec for the repairs
required for the sofaOnce the parts arrive, *** will be contacting the client to arrange for piof the sofa and the repairs will be completedWe fully intend to look after, ***/*** *** in keeping with the exceptional service we offer to all of our customers
Regards,
*** ***, for:
*** ***

*** *** *** ***
*** *** *** ***
*** **
I’m
writing in response to the complaint 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 November 19, 2014, for review.
We
apologize for any inconvenience that you may have encountered due to this
issue. Please know that Huntington’s
position has not changed. In the Rules
And Regulations For Business Accounts that were provided at the time of account
opening, under the heading “Statements;
Duty to Report Unauthorized Transactions and Errors”, it states the following:
In addition, we have available certain
products designed to discover or prevent unauthorized transactions, including unauthorized
checks and ACH debits, forgeries, and alterations (all such activities referred
to as “fraud”)While no such product is foolproof, we believe that the
products we offer will reduce the risk of loss to you from fraudYou agree
that if your account is eligible for those products and you choose not to avail
yourself of them, then we will have no liability for any transaction that
occurs on your account that those products were designed to discover or prevent,
nor will we have any duty to re-credit your account for any such losses
For
your convenience, I have enclosed a copy of the Rules And Regulations For
Business Accounts for your records
Because
your checking account ending in #### was not enrolled in our Business Security
Suite products at the time the fraud occurred, your request for reimbursement
has been denied
If
you have any additional questions or concerns, you’re welcome to contact our
Risk Management Department at ###-###-####
Sincerely,
*** ***
*** *** ***
Priority
Response Unit

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

*** *** *** ***
*** *** ***
*** *** ***
*** *** ***
*** ** ***
*** ***
*** *** *** **
*** ** ***
*** ***
*** *** *** *
I’m writing in response to
your recent complaint filed through the Revdex.com (“Revdex.com”) regarding the cancellation of a $12,Bill Pay payment from your Huntington checking account ending in ####
Our records indicate that on December 17, 2014, you initiated a Bill Pay payment in the amount of $12,to be sent to *** *** ***It is the policy of Huntington Bank to verify all payments over $10,Huntington attempted to contact you on December 17, 2014, by phone and left a messageAlso an was email sent to you on December 17, 2014, requesting that you contact Electronic Loss Prevention in order to be verified and have the payment released
Since there was no response from you regarding our request for contact, the $12,was cancelled on December 19,
Another payment in the amount of $12,was initiated through the Bill Pay Service on December 22, 2014, to again send a payment to *** *** ***Again a telephone call was made to you by the Electronic Loss Prevention department on December 22, 2014, for verification so that the transaction could be completedThis phone call was abruptly ended by youHuntington did receive an email from you regarding this payment, but unfortunately this is not a valid verification process
Our records also indicate that you spoke to a Customer Service Representative on December 24, 2014, regarding this matter, but unfortunately we were unable to process the payment due to your refusal to be verified through the our verification processThe $12,was again cancelled on December 24,
A review of your account confirms that these funds were debited from your account via check number ##### made payable to yourself
*** ***, please accept our apologies for any inconvenience this matter may have causedPlease know that Huntington takes the security of our customers very seriously, especially the verification process for high dollar items to be debited from our customer’s accounts
If I can be of any assistance or if you have questions, you are welcome to contact me at ###-###-#### or ###-###-####-####I will happy to assist you
Sincerely,
*** ***
*** *** ***

I have reviewed the response made by the business in reference to complaint ID***, and find that this resolution is satisfactory to me, Thank You *** for all of your help with my account issues and making sure the problem was taken care of (finally)

Dear
*** ***:
I’m writing in response to your concerns addressed
with the Revdex.com (“Revdex.com”) dated February 11, 2015, regarding your
checking accounts ending in *** and *** formerly held with The Huntington
National Bank
(“Huntington”).
We
have confirmed that between January 26, 2015, and February 2, 2015, there were
bank to bank transfers from *** totaling $11,deposited into your
Huntington checking accounts
Huntington
Bank received recalls for all the bank to bank transfers from *** as
fraudulent/unauthorized and sent a hold harmless for the remaining balances in
the account.
On
February 5, 2015, our Security Department debited $from your checking
account ending in *** and $from your checking account ending in ***, which reflected the remaining balances in these accounts. The funds were sent back to *** due to the fraudulent/unauthorized
bank to bank transfers that were completed
We
have confirmed your checking accounts ending in *** and *** were closed on
February 5, 2015, by our Security investigator at a zero balance. 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 records
For
further questions or concerns regarding the bank to bank transfers, please
contact *** directly at ###-###-#### You’re also welcome to contact me at ###-###-#### or ###-###-####, extension #####, with any further questions or
concerns
Sincerely,
*** ***
*** ***
Customer
Advocacy Response Teamnclosures

As I stated beforeThe amount was not available until the 29thPlease review the phone call I made on such Monday the 29th to Huntington Customer Service for confirmationThe amount was indeed showing as deposited, but the account balance was lacking over $in funds, which led me to contact customer support and inquire about itThis is when I was told about this "hidden" hold placed on my account.Please review the phone call and post it here for confirmation on my issue, I understand that you are seeing the check as deposited on such days but the funds were never available for me, again as confirmed by your customer service rep
Regards,
*** ***

My bussiness account was the subject of the dispute over "Double Dipping" that Huntington apply to my business accountStill strongly feel Huntington should NOT of close my other personnel accounts that were NOT tie too my bussiness account and NOT part of the dispute*** *** claims he would answer any questions but, have e-mail him two questions which ha has NOT responsed too or provide the requested information*** *** dose NOT state what happen to the money in my Savings Account that Huntington also close.NEVER once when I open the three accounts did ANYONE at Huntington *** Office pointed out that Huntington can close the account at anytime. So a banking customer at Huntington can open a account one day order $worth of checks and the next day Huntington can CLOSE the accounts on the customerCosting the customer $in check fees, like Huntington has cost meBy NOT only closing my business account but my personal checking accountHuntington should refund the cost of the ALL of the checks I purchase for the two checking accounts.*** *** stated Huntington was closing my accounts because of my writting or contacting Huntington Customer serivce department twice*** *** stated each time a customer contacts customer service department cost Huntington moneySo Huntington gets customers on a Catch Having a customer service department but, if the customer contacts customer service department twice they close your accounts.Really like to know who is *** *** and why my matter was not handly by him.Really feel *** *** should have not handly this complaint from the Revdex.com or anyone in his department
Regards,
*** ***

Dear *** ***:
I’m writing in response to your complaint filed with the Revdex.com (“Revdex.com”) regarding your Huntington safe deposit box held at the *** *** *** banking office
I understand your frustration, and apologize for any inconvenience you were
caused and for the service you describedProviding 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 any necessary improvements can be made
According to our records, the annual charge for your safe deposit box was due on June 5, as the account was originally opened on June 5, Please understand, we do not show that you visited a banking office on June 5, in order to make your paymentHowever, we do see where you visited this office on July 9, and we confirmed that you completed a deposit in the amount of $For your convenience, I have provided you a copy of your statements from May 8, through July 9, 2014, and a copy of the electronic deposit slip for you to review and keep for your records
The annual charge to maintain your safe deposit box is $plus taxPlease note, since the payment was late the account assessed a $late fee which was added into the balance of $66.66, making the total balance owed $As a courtesy, we refunded $to your checking account to reimburse you for the $fee that was charged on your safe deposit boxWe received your payment of $on December 11, and at this time, the annual fee has been paid in full
Please understand, the safe deposit box did not have an automatic payment set up to withdrawal the funds from your checking account ending in Therefore, a manual payment needed to be made in order to satisfy the fee for If you would like for an automatic payment to be established for your safe deposit box, please visit the *** *** *** banking office to complete the required authorization form to initiate this service.
If you have any further questions or concerns please feel free to contact me at ###-###-#### or ###-###-#### extension ####
Sincerely,
*** ***
*** ***
Customer Advocacy Response Team

Dear
*** ***
I’m writing
in response to your complaint filed with the Revdex.com regarding
your Huntington Checking account number ending in ***Please know that we
have completed a thorough review of this matterThrough our research, we were
able to confirm
following information:
December 17, 2014:
You
opened a checking account (number ending in ***) and a savings account (number
ending in ***) through our Phone Bank customer service.
We
reviewed the telephone conversation and found:
You agreed to have your current
debit card linked to the new checking account (number ending in ***) and
a savings account (number ending in ***)
You also agreed to the “Opt-In” the overdraft election for
all transactions
This means that you have notified Huntington
you would prefer us not to decline your point of sale transactions in which you
swipe your debit card, or perform an ATM transaction or ACH items or Personal
checks that are presented to Huntington when your account does not have the
funds to pay the itemWhen we pay these items, you agreed to be subject to
overdraft fees if you do not make a timely and sufficient deposit to cover the
overdraft amount.
December 24, 2014:
Huntington
began receiving debit card purchase transactions to your checking account number
ending in ***
December 26, 2014:
Our records show that you
contacted our *** * *** *** banking office to enter a dispute
regarding transactions that have posted to the account (Dispute case
***)This dispute was denied because we were able to determine
that the transactions were completed by you
December 29, 2014:
Huntington
collections department began calling you to discuss your repayment options
Your account balance as of this date was -$
Please
note that from December 29, through February 22, 2015, Huntington
continued to call you to discuss your repayment optionsOur requests for a
return telephone call were unsuccessful
February 23, 2015:
Since
a repayment arrangement could not be made, Huntington charged this account off
with a $amount owed to Huntington ($principal amount; $in
overdraft fees)
March 25, 2015:
We
contacted you by telephone to discuss your Revdex.com complaintAs
stated in our telephone conversation:
We are not able to find a bank
error
You used the debit card to
overdraft your account by $
We agreed to refund the overdraft
fees once the $in principal is paid back to Huntington
You stated that you have agreed
to pay back the $620.30, however you have recently included this charged
off account into your March 19, Chapter bankruptcy filing
If
I may be of further assistance to you, please feel free to contact me directly
at ###-###-#####. We appreciate your
business and the opportunity to respond to your concerns.
Sincerely,
*** ***
*** ***
Customer
Advocacy Response Team

Dear *** ***
The Huntington National Bank (“Huntington”) is in receipt of your complaint filed with the Revdex.com (“Revdex.com”) regarding your Personal Credit Line (“PCL”) ending in ***. First, please accept our apologies for any
inconvenience this matter may have caused you
We want you to know that a thorough review of your account has been completed. According to the Personal Credit Line Agreement and Disclosures, under Section Promise to Pay, it explains that you promise to pay all advances, purchases, finance charges and any other balances on your account when due in accordance with the terms of the agreement
When a loan is closed without payment in full, the loan will be reported as charged off to the credit reporting agencies which may negatively affect your credit I have enclosed a copy of the PCL agreement and disclosures for your review
Huntington agreed to accept a short sale on June 22, by accepting a payment of $73, This resulted in a remaining unpaid amount of $31, According to the short sale agreement, the completion of the short sale does not forgive the remaining deficiency balance ($31,224.19) on the loan
Your PCL was liquidated and closed on August 7, 2014, and the deficiency balance was transferred to an installment loan ending in *** Based on the short sale agreement, you have agreed to repay the deficiency balance over months at the rate of .001%, with monthly payments in the amount of $ In accordance with the Fair Credit Reporting Act, Huntington reports loan payment information to the major credit reporting agencies. Please be assured, when the deficiency balance is paid in full, Huntington will update the charge off on your credit report to reflect “Paid in full”. I have enclosed a copy of the short sale agreement for your review
If you have further questions, you may contact me directly at ###-###-#### or ###-###-####, and I’ll be happy to assist you
Sincerely,
*** ***
*** *** ***

Dear *** ***
I am writing in response to your recent complaint to the Revdex.com (“Revdex.com”) regarding the issues you encountered when paying off your mortgage loan ending with The Huntington National Bank (“Huntington”), We received this matter for
review on February 13, 2015. Thank you for taking the time to bring this to our attention.
*** ***, we sincerely apologize for any inconvenience this matter may have caused you. We are enclosing two $American Express Gift cards for your inconvenience and the incidental expenses related to this matter
Additionally, on March 2, 2015, Huntington sent requests to the three credit reporting agencies, Experian, Transunion and Equifax to reflect no late payments during the period in question from all three credit reporting agenciesPlease allow the bureaus thirty to forty-five days to update their records.
Our research has shown that the issues regarding your payoff were due to an oversight in ordering the payoff quote on your mortgage loanWhen the payoff was initiated on November 7, 2014, the requestor failed to stop payments for taxes and insuranceThe following events transpired thereafter:
•November 14, 2014, your homeowner’s insurance policy renewal was received, paid and processed in the amount of $1358.00.
•November 19, 2014, payoff funds in the amount of $95,were received for this mortgage loanThe funds were applied to the principal balance. The payoff was short by $due to the insurance disbursal. The escrow account was short by $533.95.
•December 17, 2014, the account was showing delinquent and late fees were assessed in the amount of $
•December 20, 2014, we received a payment for $540.69. The funds were credited to a suspense account.
•December 29, 2014, a letter was sent to you indicating that the escrow disbursement made the payoff short. A new payoff statement was issued
•December 30, 2014, $in suspense was applied to the principal balance leaving $balance
•January 13, real estate taxes were due and paid in the amount of $This disbursement brought the escrow account negative by $
•January 20, 2015, the account was showing delinquent and late fees were assessed in the amount of $
•February 17, 2015, payoff funds in the amount of $were received $in late fees was refunded to your account and the account was closed
*** ***, we deeply regret that your experience was not up to the standards you have previously come to expect from Huntington. Please know that we take this matter very seriously. Your comments have been passed on to management for possible process improvements and coaching.
We appreciate your business and the opportunity to address your concerns. If you have any questions you’re welcome to call me directly at ###-###-#### or at ###-###-####, extension #####
Sincerely,
*** ***
Customer Advocacy Response Team

Iam writing in response to your recent complaint filed through the RevDex.com (“Revdex.com”) regarding your mobile deposit of $to your
checking account ending *** in which you refer to the funds as being “held in
float” after completing the depositI apologize for any inconvenience the deposit
of $1500.00, which posted to your checking account on December 26, 2014, may have
caused a review of your checking account confirms that you initiated a mobile deposit on December 25, in the amount of $to be credited to account ending ***
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 *** 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
informationIf 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,

We contacted Thermo Twin Company due to a major substandard roofing job. A sub-contactor sent by a major construction company, had put a ridge vent on our sunroom roof, among other things. Thermo Twin had taken over the company that had built the sunroom, we turned to them. They really did not have to help us but they gave of their time an acknowledge and did. They guided us in what to look for when the roof repair crew came and told us the proper way the ridge of the sunroom should be protected and shingled. Our worst fear was the roof panels were cut into and they told us it might be alright, if the panels still meet certain standards and we were told those standards. The panels were not cut but we were ready, armed with the information Thermo Twin gave us. We can not thank you enough.

Dear [redacted]:
 
I’m
writing in response to your complaint filed with the Revdex.com
regarding your Installment Loan account number ending in [redacted] with Huntington
National Bank.
 
Please
note the following information:
 
Electronic Payments:
Using the Bill Payment log that
you have provided, we have created and enclosed a loan payment history
with a column that lists the date that your financial institution sent the
payments to Huntington.
This log shows that the first
Bill payment was sent on March 8, 2013.
As of March 8, 2013, your account
was 30 days past due (Due for the February 6, 2013 payment).
Huntington posts installment loan
payments on the date that they are received.
As shown on the history,
Huntington received the payments within two to five business days which is
standard for electronic payments.
 
Please
note that when your financial institution sends an electronic payment, it first
goes to the Federal Reserve. After the Federal Reserve completes their
processing, the payment is sent to Huntington. Please contact your financial
institution for more details regarding the timeline for making electronic
payments.
 
Maturity of Loan:
The scheduled maturity date for
this loan was March 6, 2015.
Since you were not able to make a
payment of $1,323.52 to pay off this loan, Huntington agreed to review an
application for a loan rewrite.
 
Loan Rewrite /
Modification:
On March 6, 2015, Huntington
approved a loan rewrite and sent a letter was sent to you with the
following terms.
a)   
Five
monthly payments of $272.97.
b)   
First
payment due on April 6, 2015.
c)   
These
terms will be approved after you sign and return the modification agreement
within the 15 day deadline (March 21, 2015).
If you have any questions
regarding the loan modification, please contact our Loss Mitigation /
Default Services department at ###-###-####.
 
On
March 2, 2015, Huntington sent a letter to the co-signer of this loan, [redacted] to address Revdex.com case number [redacted] We have enclosed
a copy of our response for your review.
 
If
I may be of further assistance to you, please feel free to contact me at ###-###-####.  We appreciate your business and the
opportunity to respond to your concerns. 
 
Sincerely,
  
[redacted]
Customer
Advocacy Response Team

If this is indeed your policy it should be listed on the website. The fact that I see my check as deposited, no holds and not able to see the money in there means that you guys have the money but not releasing it.Either you change your policy to fix that, or somehow have it clearly marked in the website somehow. Not everyone is going to submit a Revdex.com complaint in that regards, this is a fishy practice to do such thing.
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.I would like to add that corresponding pending deposits were not acknowledged in the banks response, nor was the fact that their advertised 24-hour Grace only applies if they choose to allow an overdraft rather than charging the $37.50 and declining the charge. I appreciate the resolution to the specific charge, but find their policy on this deceptive.
Regards,
[redacted]

[redacted] [redacted] [redacted]
I'm writing in response to the complaint you filed with the Better...

Business Bureau ("Revdex.com")
regarding your checking account ending in [redacted] held with The Huntington National Bank
("Huntington"). Huntington received this matter on November 14, 2014, for review.
Our records indicate that you elected to "Opt In" to the Debit Overdraft Service for payment of
ATM and one-time debit card transactions on February 21, 201 3. This means even if there is
not enough money in your account to cover a transaction presented to us, we may pay it and
cause an overdraft on your account that could result in overdraft fees being charged to your
account.
Because we appreciate your business and we realize you feel that 24-Hour race" was not
clearly explained to you, please note the following information about 24 Hour race@:
When you overdraw your checking account, 24 Hour race@ gives you until the financial
cut-off time on the next business day to make a deposit to cover the overdraft amount,
plus any current amounts that must be paid.
Example: If the account is overdrawn by $1 00, and a transaction for $1 00 will post to
your account on the same day, a $200 deposit must be made by the cut-off time. Your
account must have a balance of zero or higher at end of day.
A transaction is any of the following: cash withdrawals, debit card transaction, electronic
debit (ACH) or personal checks that are presented to Huntington.
A deposit to correct the overdraft (as described above) must be made by the applicable financial
cut-off time on the next business day. Financial cut-off times vary based on how/where you
make the deposit. . Each branch has a local cut-. off time posted. [redacted]
We have confirmed that your checking account was closed on August 15,2013, owing a
balance of $263.08. On June 21,201 3, we issued a courtesy refund of $75.00 for two overdraft
fees of $37.50. As a courtesy, on November 24,2014,l have credited your checking account
the three Overdraft fees of $37.50 and four extended overdraft fees of $25.00, totaling $21 2.50,
leaving a balance owed in the amount of $50.58. Please contact our collections department at
###-###-#### to make arrangements to pay the $50.58 balance owed at your earliest
convenience.
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