Consumer complaint received 2021-10-04
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I made a mobile deposit of my payroll check. It was the first check from a new company I work for. I had 2 paychecks and I deposited one in savings and one in checking. 

Even though this is now resolved I am making this complaint to notify CFPB of the unfair actions made by Huntington Bank which cause me more financial hardship than I already had. 

Being out of work for just one month, I was excited to receive my new payroll checks so I can get back on my feet again. We'll XXXX decided to place a hold on only the one check that went into my checking account. The other check that went into my savings was cleared within 2 business days. 

The check that was held from my checking account was over {$2300.00} which is still a small amount and they did not make {$200.00} available. 

I called for help and corporate lied and told me nothing is wrong and I would have my finds within 2 more business days. 

By XX/XX/XXXX I no longer had access to my online banking. I called for help two more times and both corporate and the staff at my local branch didn't give me any information besides a tough luck attitude, it's being held and there's nothing I can do about it. 

Finally after I complained and asked the issue to be escalated because I needed my funds released so I can pay my bills, I spoke to someone from corporate on the XX/XX/XXXX and they told me the hold was placed on my account because they suspected fraud and to contact my HR to issue a " legitimate check '' that isn't altered. 

I contacted my HR department- they were pretty upset because the paycheck is the same they issue to all their 1000 employees, and they also have multi XXXX dollars in their accounts being a large mortgage company. So they have the funds and their checks are real which is why this makes no sense and should not have taken as long as it did for me to access my funds ... .. let alone lose access to my account. 

By XX/XX/XXXX, I spoke to corporate again and they said they are still investigating, I am unable to speak to anyone in the fraud department, and there is nothing they or myself can do. 

I was late on my bills at this point and had more payments to come out in the next few days. I have not missed any payments in over 3 years and they made me late on my payments! 

By XX/XX/XXXX, the lady at my local branch told me they " revoked '' my account and closed it. 

I feel that the fraud department at Huntington bank did not investigate properly or thoroughly and Huntington Bank was negligent on providing me with fair service. 

After going back and forth every single day as I was about to be homeless and literally had no money for food ( no access to anything ), my funds were finally released on XX/XX/XXXX and they actually asked me if I wanted to open a new account!!! 

Not a single representative apologized!! They literally called me to say " good news it looks like your check was not fraudulent and we will release your funds '' .... almost 3 weeks later!!! 

I will never bank with XXXX or refer anything there for any of their financial needs. This was the most unfair practice I have ever experienced and did not deserve to be treated this way. 

I'm stuck with late payments on my credit report and I lost my apartment!! 

Thank you for messing up a loyal consumers life, especially now during these times when I had to go an entire month without work and I wasn't making commissions from my last job so I was already struggling. 

This is the worst thing any financial institution can do to their loyal consumers.

Company response to consumer: Closed with explanation