Thermo-Twin Windows

Dear
[redacted],
 
I’m
writing in response to your recent email addressed to [redacted] ([redacted], Customer Advocacy Response Team) and a complaint filed with the
Revdex.com regarding a missing loan payment to your Huntington Installment
Loan account...

number ending in ####. It was a pleasure talking with and this
letter is a follow up to our two telephone conversations.
 
January 21, 2015
telephone conversation:
After
reviewing the certified mail receipts that you have provided, we found the following:
 
The
November 28, 2014 receipt shows that the payment was sent to Huntington
National Bank, P.O. Box 1558, NC1N18, Columbus, Ohio 43216-1558.
·        
Huntington
does have a department mail code of [redacted].
·        
Huntington
does not have an employee by the name of [redacted] in the Columbus Ohio
area.
 
The
December 13, 2014 receipt shows the payment was sent to Huntington National
Bank, P.O. Box 182517, Columbus Ohio 43216-1558.
·        
The
P.O. Box 182517 is the correct mailing address for installment loan payments.
·        
Huntington
received a $279.00 payment on December 17, 2014 and it posted to your account
on the same day.
·        
You
did not provide the signed certified mail receipt; therefore we cannot confirm
who signed for this delivery.
 
Also
as we discussed in our telephone conversation:
·        
We
have granted a Pass-A-Payment effective for the November 8, 2014 payment.
·        
The
fee for the Pass-A-Payment was waived.
·        
When
we applied this Pass-A-Payment, the late fee that was assessed for the November
8, 2014 payment was removed from your account (no longer valid).
·        
We
backdated the $135.00 January 26, 2015 payment to January 8, 2015 to complete
the January payment.
·        
When
we applied the $135.00 the late fee that was assessed for the January 8, 2015 payment
was removed from your account (no longer valid).
 
Regarding
your customer service experience please be assured that we have discussed your
concerns at length with the appropriate level of Huntington management, so
please know that your comments have been heard.
 
January 28, 2015
telephone conversation:
·        
The
$171.00 MoneyGram payment has been located and we have applied the payment to
your loan with an effective date of December 2, 2014.
·        
You
have the option to either:
A)   When your February 8, 2015 is due,
make a payment of $106.42 (this will be added to the $171.72 MoneyGram payment
to complete the February payment. Or
B)   Huntington will return the $171.72
payment back to you by mail, and you will need to make a full $278.14 payment
on February 8, 2015.
 
[redacted], we sincerely apologize for any inconvenience that this matter may have
caused you. We have enclosed a copy of your updated payment history for your
records and have verified that Huntington is not reporting any delinquencies to
the three major credit bureaus.
 
If
I can assist you further, you’re welcome to call me directly at ###-###-#### or
toll-free ###-###-####, extension #####. We appreciate your business and the
opportunity to address your concerns.
 
Sincerely,
  
[redacted]
[redacted]
Customer Advocacy Response Team

My original issue still stands as confirmed by the rep. Too many days for the check to clear. I have contacted [redacted] and they said that they cleared the check on that same date it was deposited.Additionally, On the website huntington says:----------------------What does it mean if I receive a hold on my account?
A hold means that although we've received your check for deposit, you
generally won't be able to use the funds for cash withdrawals or
transfers until the hold period has expired.  Hold periods are typically
two to five business days, and may extend longer in some
circumstances.  If the deposited item is returned after the hold
expired, we charge your account for the amount of the item, plus any
applicable fees.
Situations that typically could cause a check to be held include:
o There is reason to believe the funds may be uncollectableo The account is a new account, opened within the last 30 dayso The account has repeated overdrafts over the last 6 monthso Fraud is suspectedo The check was previously deposited, then returned unpaido  The check was not properly endorsed
We will notify you if we place a hold on a deposit you make.However I have not gotten any notifications.
Regards,
[redacted]

Dear
[redacted]
 
I’m writing in response to your concerns
addressed with the Revdex.com (“Revdex.com”) dated February 21, 2015, and
your Twitter post on February 19, 2015, regarding your checking account
ending in [redacted] held with The Huntington National Bank...

(“Huntington”).  I attempted to contact you by phone, but was
unsuccessful.
We apologize for any inconvenience that you
may have experienced due to this issue. 
After reviewing your account, we have confirmed that on February 18,
2015, [redacted] at the [redacted] banking office issued a courtesy refund
of $37.50 for the overdraft fee that posted to your account on February 12,
2015. At that time she stated the $25.00 extended overdraft fee was valid and
did not issue a refund for it.  
When you called the customer service center
on February 19, 2015, they refunded $2.50 of the $25.00 extended overdraft fee
as a courtesy. 
After reviewing the video from the ATM for
your deposit of $100.00 on February 16, 2015, we did confirm that you experienced
difficultly with your deposit.  As a
courtesy, we refunded the remaining $22.50 of the $25.00 extended overdraft fee
on February 24, 2015, as a courtesy.
We
also apologize for any inconvenience experienced due to the customer service
center manager not confirming your request for a call back would be
honored.  We regret that our service did
not meet the standards that you and Huntington expect to be offered to our
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.
 
You’re
welcome to contact me at ###-###-#### or ###-###-####, extension #####,
with any further questions or concerns.
 
Sincerely,
 
 
 
[redacted]
[redacted]
Customer
Advocacy Response Team

This explanation has nothing to do with February and I have admitted that I am trying to make sure that I keep the account fee and issue free there are times where even in my best of times I am not without flaws.  I am talking about March 10th rejection of [redacted] for $310.  I am not saying that I have not been at fault with some of my transactions.  I am saying that even after reviewing my account the money was in the account for my payment to the insurance company all the way up to March 13, 2015 which after I seen that Huntington yet again rejected my payment I used the money because [redacted] stated they had to change the date of my withdrawal.  Like I said before I am not without fault but in the last 10 month the "24-hour Grace" has not been extended to me.  Again my issue is that Huntington is advertising that they say this service is extended to their customer but this extension has not been afforded to me.  I have been told on several occasions that it really isn't 24-hours that I only have until 10 PM or 1 AM to make the deposit to cover the cost.  Now after looking at yet another explanation of with a smaller dollar amount just proves my point that these policies are constantly change only at the customer dissatisfaction.  But this past week was just no need for the 24-Hour Grace, my account had more than enough money to cover the cost of the payment.  Either give the 24-hours or stop advertising that customers have 24 hours to deposit.  And the pamphlet that I received from the branch never stated a dollar about that you could not go over.  I think this is just a new policy that Huntington continues to change.  
Regards,
[redacted]

Initial Business Response /* (1000, 5, 2015/03/06) */
Case #[redacted]

Mr. [redacted] purchased a box spring from Nothin Fancy on Oct. 25'14. This product was in the plastic, the way we received it from [redacted].

On Feb 19'15 Mr. [redacted] came into our store stating...

he had bed bugs, four months after the purchase. He also told me he moved into this apartment in Oct of 2014 from another province.

Nothin Fancy and [redacted] have no issues with bed bugs and never have.

Nothin Fancy [redacted] not take the responsibility for Mr. [redacted]'s bed bug issue.





Regards,



[redacted] for:

[redacted]
Service Manager/Customer Relations
Nothin Fancy[redacted]
Ph XXX-XXX-XXXX
Fx XXX-XXX-XXXX

Initial Consumer Rebuttal /* (3000, 7, 2015/03/09) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The mattrice and box spring were purchased and delivered on October 25th, 2014, I moved in and started using the bed about 3 days later and about 3 or 4 days after that (around Nov. 1st 2014) started noticed the red marks on me. As I was not familiar with bedbug bites at the time I didn't know what the marks were, I though it was a rash of some sort.
I confirmed it was the bedbugs on February 7th, 2015, when I awoke and saw something moving on my bedding. I caught and killed the bug and checked it out on the internet and confirmed it was a bedbug. This was 13 weeks NOT 4 months after I purchased the mattrice.

According to the pest control company the infestation in the box spring was very extensive and the bedbugs had worked themselves into the wood.
From the research and experts I have talked to: Bedbugs are slow breeders and for the infestation to be have gotten as extensive as was it was (especially for them to have worked themselves into the wood of the box spring) requires much more time than the 13 weeks I possessed the mattrice and box spring. Adding this to the fact that I started getting bites within about a week after I purchased the mattrice and box spring around November 1st 2014, THE BOX SPRING WAS AND HAD TO HAVE BEEN INFESTED LONG BEFORE IT LEFT THE NOTHIN FANCY WAREHOUSE/STORE. I REMEMBER PLASTIC BEING ON THE MATTRICE, I DO NOT REMEMBER ANY PLASTIC BEING ON THE BOX SPRING WHEN IT ARRIVED AT MY PLACE.
For all I know they may have sold me a refurbished, rebuilt or re-possessed box spring. Bedbugs can survive in a dormant state in the wood of a box spring for upwards of year, which is why they tell you to leave the bedbug mattrice encasement covers on for 18 months to 2 years if you suspect bedbugs.
Final Business Response /* (4000, 10, 2015/03/19) */
I am writing regarding your letter dated Mar 11'15 for Case # XXXXX [redacted].

Nothin Fancy is not responsible for any bed bug issue.

Please note - Nothin Fancy takes care of (ALL) warranty issues, bed bugs (Do Not) pertain to warranty.




Regard,

[redacted] for:



[redacted]
Service Manager/Customer Relations
Nothin Fancy/[redacted]
Ph XXX-XXX-XXXX
Fx XXX-XXX-XXXX
Final Consumer Response /* (4200, 12, 2015/03/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Box spring was delivered with a pre-exiting infestation in it as described in previous statements.

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]

I’m
writing in response to your recent complaint filed through the RevDex.com (“Revdex.com”) regarding a $150.00 promotional offer for opening a new checking
account.
 
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 know that the comments provided have been heard and forwarded to
the appropriate level of management.
 
Our
records indicate that your account was opened on August 6, 2014. The
requirement for this promotional offer required that an automated direct
deposit of $500.00 or more in a single deposit be set up within 60 days of the
account opening. A review of your account confirms that the requirement was met
on October 3, 2014. Due to a system error the promotional incentive was delayed
being deposited into your account.
 
This
letter is to confirm that on January 28, 2015, the $150.00 promotional
incentive was deposited into your checking account ending in[redacted]. Again,
please accept our apologies for the inconvenience this matter caused.
 
If
I can be of any assistance or if you have questions, you are welcome to contact
me at ###-###-#### or ###-###-#### extension [redacted]. I will happy to assist
you.

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]

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]

I did not leave anything out other than the name of the department because I didn't know it. The issue he's saying is resolved was resolved AFTER my complaint was filed. However, the ATM machines are basically in the same town, it's not like they were across state. In my history my account never had a problem. I was accused of laundering money! Which is completely untrue! That has not been resolved!
Regards,
[redacted]

Dear [redacted]:
 
I am writing in response to your complaint filed with the Revdex.com (“Revdex.com”) regarding a recent mobile deposit made in the amount of $93.00 that was returned. Huntington received this complaint for review on December 23, 2014. As a courtesy, we refunded the...

returned item fee in the amount of $10.00 to your checking account ending in #### on December 30, 2014.
 
Please understand, mobile deposits should be captured fully and clearly. If the picture is altered in any way, it may delay the availability of your deposit or decline the deposit completely. If the picture is clear and the check is fully visible and received no later than 11:00 PM EST on any business day it will be processed the same business day. Deposits made after 11:00 PM EST will be processed and post to the account the following business day.
 
In order to determine if a mobile deposit was successful, it will appear in the history tab under the deposit option of your application. This history will allow you to view the confirmation number, the check that was deposited, the date of the deposit, the amount of the check, the Huntington account that was selected, and if the deposit was accepted or declined. 
 
Please know, the check image that was captured was received and a confirmation number was provided to you because the image captured was successful. [redacted] was unable to locate the account number on the bottom of the check you deposited and therefore they returned the item unable to locate. Please note, as the account number was unable to be located at [redacted] Bank, you may want to contact the individuals that provided this check to you, this may help clarify why [redacted] was unable to locate their account number.
 
Neither Huntington, nor any other bank, has any certain way of knowing if funds are available to pay a check, or postal money order, on another banking institution until the check goes through the clearing process and we are notified by the issuing bank that a check is not good.
 
Please understand that The Huntington National Bank is not responsible for this item. My research revealed that according to the Agreement and Disclosure of Account Terms and Rules and Regulations that applies to your account. Pursuant to the “Making Deposits” section of these disclosures, you are responsible for all checks that are deposited into your account and items cashed against your account.  As such, if a check is returned unpaid for any reason, we may debit your account for the amount of the item as well as a returned item fee. A copy is available upon request.
 
I understand your frustration, and apologize for the inconvenience you were caused and for the service you described. Providing you with an excellent Huntington experience is our goal, and we are disappointed when we fall short.  If you have any additional questions or concerns, you’re welcome to contact me at ###-###-#### or ###-###-####, extension ####
 
Sincerely,  
[redacted]
[redacted]

[redacted]
[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 the adjustments of mobile deposits completed
in your checking account ending####. I apologize for the inconvenience the
adjustment debits processed in your checking account on December 19, 2014 may have
caused.
 
A
review of your checking account confirms that the deposits related to this
issue for 517.56 and 493.66 were originally deposited via Huntington’s mobile
check deposit application on June 9, 2014 and July 7, 2014 respectively. On
September 29, 2014, Huntington received adjustment requests from the drawee
bank, [redacted], for these amounts. The requests to adjust and thus debit
your account were due to the fact that both of the check items in question had
already been negotiated at [redacted]; meaning you had received funds twice
for the 517.56 and 493.66 items. 
Huntington
sent two (2) letters, one for each check item, to inform you of these
adjustments and provide you the reason(s) on December 19, 2014. These letters
were sent to the primary mailing address of [redacted] as this is the address of the primary account
holder, [redacted]. I have enclosed copies of those letters for your
review. 
Due
to the fact that the funds related to this complaint were already provided to
you by [redacted], Huntington is unable to credit your checking account for
the amounts of the checks or any related fees. 
Please
be aware, our security area has chosen to close your checking account. Per the
account disclosures that were made available to you at the time of account
opening, Huntington may close your account at any time with or without cause
and with or without notice to you. A copy of the account disclosure is available
upon request. As of today’s date, an amount of 685.47 is owed to Huntington as
this was the negative (-) balance of your checking account at the time of its
closure. Please contact Huntington Consumer Collections at ###-###-#### to
establish a payment arrangement. 
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

Dear [redacted]
 
I’m
writing in response to your rebuttal to the Revdex.com case
regarding your   concerns with your Huntington Checking account
number ending in [redacted] and our 24-Hour Grace® product.
 
As
stated in our previous correspondence,
·        
Checks
or automatic (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
account history, amount of the item and account balance and past or current
bankruptcy.
·        
If the transaction is returned because there
is not enough money in the account to cover it, the transaction amount is not
deducted from the account, and no overdraft 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.)
Example: If you are
overdrawn on a Friday, our 24 Hour Grace® service gives you until
11:59 p.m. on Monday to make a deposit. This is more than 24 hours to correct
the overdraft.
 
Our records show that your opening available
balance on March 10, 2015, was less than $310.00. We sincerely regret any
confusion regarding our 24 Hour Grace® service. If you have
additional questions, please feel free to contact me directly at ###-###-####.
 
Sincerely,
 
[redacted]
[redacted]
Customer
Advocacy Response Team

Dear
[redacted]
 
I’m
writing in response to your complaint filed with the Revdex.com
regarding your   concerns with your Huntington Checking account
number ending in [redacted] and our 24-Hour Grace® product.
 
Please
know that we have completed a...

thorough review of this matter. Please note the
following:
 
24-Hour Grace®:
·        
Huntington
advertises that when your account is overdrawn, 24-Hour Grace® gives
you more time to make a deposit to bring your account positive and avoid
Overdraft Fees.
 
·        
24-Hour
Grace® applies when Huntington pays a transaction from your account
even though you don’t have enough money (your account becomes overdrawn).
24-Hour Grace® gives you time to act—it doesn’t act for you. Note:
24-Hour Grace® does not
apply if we decide to return the transaction (please see the Return Fees
section below).
 
·        
Our
24-Hour Grace® product is a brand name, not a length of time.  If we pay an item for you that overdrafts your
account we give you until 11:59 p.m. on the following business day to make a
deposit.
o   If you are overdrawn on a Friday, our 24
Hour Grace®  service gives you
until 11:59 p.m. on Monday to make a deposit. This is more than 24 hours to
correct the overdraft.
 
·        
Please visit our website at https://www.huntington.com/grace/
that will provide more information about 24-Hour Grace® and examples
of transaction scenarios.
 
February 3, 2015:
·        
After
reviewing your account, we have found that the last transaction that was
returned unpaid was on February 3, 2015.
 
·        
When
a debit card transaction to [redacted] in the amount of $20.00 and an ACH
transaction to Chase Retail in the amount of $300.00 was presented to
Huntington for payment, your account balance was $4.32.
o   Huntington returned the $300.00 ACH
item unpaid.
o   Huntington paid the $20.00 item, which
brought your account balance to -$15.68.
 
·        
This
means that at the close of February 3rd’s business day, Huntington
paid an item for you when you did not have the available funds. In order for
the 24 Hour Grace® service to waive the pending overdraft fee from
February 3rd you would have needed to make a deposit of at least
$10.69 by 11:59pm on February 4, 2015.
 
Please note: Huntington gives you a $4.99 cushion in case you can’t quite make a deposit to bring
your account to a positive balance. We only require a deposit that is enough to
bring your account balance to at least (-$4.99).
 
·        
Our
records show that you did not make a deposit on February 4, 2015. Since a
deposit was not made, the pending $37.50 overdraft fee from February 3rd
was assessed to your account.
 
·        
A
copy of the “Notice of Insufficient Funds” notice is enclosed for your review.
 
Returned Fees:
Please
note the following information about return fees:
·        
Checks
or internet (ACH) transactions written on your account were returned because
there was not enough money in your account to cover the transactions when they
were presented to us for payment.  Each
time we get an item presented for payment that exceeds the account balance, we
decide whether to return it or pay it. Our decision to return or pay the
item is based on but not limited to the customer account history, amount of the
item and account balance and past or current bankruptcy.
·        
If the transaction is returned because there
is not enough money in the account to cover it, the transaction amount is not
deducted from the account, and no overdraft 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.)
Please
remember that keeping an accurate check register is the best way to avoid
overdraft fees. While our Voice Response Unit, Online Banking and Mobile
Banking are helpful tools, customers are ultimately responsible for being aware
of their current account balances and items outstanding.
 
Huntington has e-mail and
text alerts that can give you more immediate information about your accounts,
including balances. If you’re interested in our e-mail and text alerts, you can
sign up for these on Huntington.com or through our Phone Bank at ###-###-####.
 
Please remember that we can
only provide so much information in a television, radio or a printed
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/
 
We sincerely regret
any confusion regarding our 24 Hour Grace® service . If you have
additional questions, please feel free to contact me directly at ###-###-####.
 
Sincerely,
 
[redacted]
Customer
Advocacy Response Team

Dear [redacted]
 
I am writing in response to your complaint filed with the Revdex.com (“Revdex.com”) regarding a promotional offer for opening a new checking account. Huntington received this matter for review on January 21, 2015.
 
Please know, your first checking...

account was opened on September 19, 2014 with a promotional offer that required you to complete a direct deposit of $500.00 within 60 days of the opening date. According to our records, a direct deposit in the amount of $500.00 was not made within the required timeframe of 60 days from opening the account. As you did not meet the requirements, Huntington will not provide you with the incentive of $150.00 for opening your checking account.
 
According to your complaint, you were unaware about the direct deposit requirement to receive the $150.00 bonus claimed on September 19, 2014. Please understand, it was stated in your Bonus Addendum that was provided to you at the time of opening the account that a direct deposit of at least $500.00 was required to receive the $150.00 bonus. For your convenience, I have included copies of both bonus addendums for the codes you claimed on September 19, 2014 and December 30, 2014. Please review and keep for your records.
 
Please understand, promotional offers are limited to one per household and one per person. Huntington is unable to honor another code for an existing customer. As you had already opened an account with Huntington on September 19, 2014, you did not qualify for the second promotional offer claimed on December 30, 2014 for $150.00 because you are considered an existing customer.
 
I understand your frustration, and apologize for any inconvenience you may have been caused. If I can be of any assistance or if you have questions, you are welcome to contact me at ###-###-#### or toll free at ###-###-####, extension ####. I will happy to assist you.  
 
Sincerely, 
 
[redacted]
[redacted]

[redacted]
 
[redacted]
[redacted]            
[redacted]  [redacted] 
 
[redacted] [redacted]
[redacted]
 
[redacted]
 
I
am writing in response to your recent rebuttal to the Revdex.com (“Revdex.com”)
regarding the denial for a payment reduction on your loan ending in ####. Huntington’s
position has not changed regarding this matter.
 
The guidelines require that we treat each
application the same in regard to income and expenses.  In doing so, you do not meet the guidelines
for approval at this time.  It is
possible that you may be able to refinance with another lender.  You will need to discuss this option with
other financial institutions. While we very much appreciate your business and
would like to help in your time of need, we are unable to provide assistance at
this time.
 
 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]

Dear
[redacted]
 
I’m writing in response to your correspondence
addressed to the Consumer Financial Protection Bureau (“CFPB”),
and the Revdex.com (“Revdex.com”) regarding your checking account number ending [redacted] with The Huntington National Bank (“Huntington”)....

Huntington received this
matter on February 17, 2015 for review.
Because
we appreciate your business and we realize you feel that 24-Hour Grace®
was not clearly explained to you, we have refunded $250 of the
$370 in overdraft fees as a courtesy. Huntington has now refunded $325.00 in
overdraft fees on this account since June 13, 2014.
Please
understand, when you overdraw your checking account, 24 Hour Grace®
gives you until 11:59 pm on the next business day to make a deposit to cover
the overdraft amount, plus any current amounts that must be paid.  You need
to deposit enough to bring your account balance to at least (-$4.99).  Of
course, if you can get your balance out of the negative, please do. But we give
you a $4.99 cushion in case you can’t quite make it all the way.
Example: If
the account is overdrawn by $100, and a transaction for $100 will post to your
account on the same day, a $195.01 deposit must be made by 11:59pm.
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 February 10th
through the 12th which provides you a starting balance and an ending
balance for each day along with each transaction and how it affected your balance.
 
Your
account activity on February 10, 2015 shows a beginning balance of $12.39.
 
At
the close of Tuesday February 10th’s business day, Huntington paid 6
items 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
10th, you would have needed to make a deposit of at least $84.77 by
11:59 pm on February 11, 2015.
 
Your
account activity on February 11, 2015 shows a beginning balance of -$89.76.


Beginning balance


Transaction Presented


Sufficient Funds


Item Paid/Account Overdrawn or Item Returned Unpaid


Ending Balance




-$89.76


PENDING AUTHORIZED DB Card
Marathon Petro $12.13


 


PENDING


-$101.89




-$101.89


PENDING AUTHORIZED DB Card
Speedway $7.37


 


PENDING


-$109.26




-$109.26


PENDING AUTHORIZED DB Card
Dairy Queen $6.98


 


PENDING


-$116.24




-$116.24


Non-Pin Purchase
Speedway $8.85


NO


Item Paid/Account Overdrawn


-$125.09




-$125.09


Non-Pin Purchase
Kroger $9.88


NO


Item Paid/Account Overdrawn


-$134.97




-$134.97


February 10, 2015
Overdraft Fee $37.50


 


Overdraft Fee


-$172.47




-$172.47


February 10, 2015
Overdraft Fee $37.50


 


Overdraft Fee


-$209.97




-$209.97


February 10, 2015
Overdraft Fee $37.50


 


Overdraft Fee


-$247.47




-$247.47


February 10, 2015
Overdraft Fee $37.50


 


Overdraft Fee


-$284.97


 
Since there was not a deposit made on
February 11th to bring your account balance to at least -$4.99 by
11:59 pm, the four pending $37.50 overdraft fees were charged to your account.
Please remember that Huntington paid six items for you on February 10, 2015.
You were only charged four overdraft fees because we limit the number of
overdraft fees to four per day.
  
At
the close of Wednesday February 11th’s business day, Huntington paid
2 items 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
11th, you would have needed to make a deposit of at least $279.98 by
11:59 pm on February 12, 2015.
 
Your
account activity on February 12, 2015 shows a beginning balance of -$258.49.
 
Since the deposit made on February 12th
was not enough to bring your account balance to at least -$4.99 by the end of
the business day (11:59 pm), the two pending $37.50 overdraft fees were charged
to your account.
 
We have enclosed a copy of your February 10,
2015 through February 12, 2015 “Notice of Insufficient Funds” notices for your
review.
 
Please
note the following information about 24-Hour Grace®:
 
·        
Checks
or internet (ACH) transactions on your account: 
Each time we get a check presented for payment that exceeds the account
balance, we decide whether to return it or pay it. Please note that our
decision to return or pay the transaction is based on customer history, amount
of the transaction, account balance and past or current bankruptcy.
 
·        
If
a transaction is returned because
there is not enough money in the account to cover it, the check amount is not
deducted from the account, and no
overdraft 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 any transaction, the amount is deducted from the account, causing
an overdraft. 24 Hour Grace® applies
only when we pay the transaction 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.
Please
remember that keeping an accurate check register is the best way to avoid
overdraft fees. While our Voice Response Unit and Online Banking are helpful
tools, customers are ultimately responsible for being aware of their current
account balances and items outstanding.
 
Huntington has e-mail and
text alerts that can give you more immediate information about your accounts,
including balances. If you’re interested, you can sign up for these on
Huntington.com or through our Phone Bank at ###-###-####.
 
You may also visit our
website at https://www.huntington.com/grace/
that will provide more information about 24-Hour Grace® and examples
of transaction scenarios.
 
If you have
additional questions, please feel free to contact me at ###-###-#### or
###-###-####, extension [redacted].
 
Sincerely,
 
[redacted]
[redacted]
Customer
Advocacy Response Team

we did not receive Huntington HomeSavers payment plan.In 2010 we put house up for sale and Huntington refused to. Work with us I have given Huntington name of our realtor and phone number. Did not receive no word from Huntington 2011.In 2014 we put house for sale.The realtor told us that a party wanted to do a short sale for 260,000.00 not 360,000.00  The income we have is not much because Huntington Investments. Lost our income we would be able to pay are payments. They talked my husband into borrowing money from Huntington loans to pay for margins on investments.At the time my husband had cancer and myasthenia and was every I'll,he is 80 yrs old now they want to foreclose on our house we now have no money and no place to live.I donot know how they can do this to us.they made money and we are in trouble I am not asking for all the money they lost but I want to stay in my home and not be out on street I and 67yrs old and unable to work.              [redacted]

[redacted]         
[redacted] 
      
The Huntington National Bank (“Huntington”) is in receipt of your complaint filed with the Revdex.com (“Revdex.com”) regarding your checking...

account ending in ####.  First, please accept our apologies for any inconvenience this matter may have caused you.
 
A careful review of your account has been done and we have determined that a deposit for $82,570.00 was never deposited in to your account. [redacted], the teller for the transaction, attempted to place a hold on another customer’s funds but inadvertently used your account number which caused you to receive a letter stating there was a hold on funds deposited in the amount of $82,570.00.
 
To address your concerns in regards to your account being overdrawn, we have confirmed your account never went into overdraft and no overdraft fees have been charged to your checking account ending in #### Because no fees were charged to your account we are unable to provide you a refund of $800.00.
 
If you have further questions, you may contact me directly at ###-###-#### or ###-###-####, and I’ll be happy to assist you.
 
Sincerely,
 
 
 
[redacted]
[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 [redacted].  First, please accept our apologies for any inconvenience this...

matter may have caused you.
 
After a careful review of your account, our findings show that your account was opened on April 9, 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
###-###-####.
 
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]