Consumer complaint received 2019-10-20
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I came to XXXX in XX/XX/XXXX prior to selling my beautiful home in XXXX ( sold XX/XX/XXXX ) and XXXX XXXX one of the loan officers for Huntington bank stated I could get a per approval. Which I did for XXXX with XXXX down payment. I informed her in XX/XX/XXXX that I had a short sale in XX/XX/XXXX and asked if this was going to be a problem. XXXX notified me no because I had a college degree in my field. I notified her in an email about my unemployment as well and asked if this would be an issue and she said no and that is why I sold my home in XXXX because I waited for her to let me know if I was approved prior to selling and accepting the offer to the home. Many times, during the initial information once I found a home it seemed as though she didn't know her duties. XXXX added an appraisal on the loan after she told me there would be no fees for an appraisal because the home was brand new. Then there were several names that was not mine on closing papers that showed my alias names and I notified her that was not me and the addresses were not mine. I asked her what I need to do about names and addresses not mine and XXXX notified to sign it and they will do an addendum at closing. I questioned this information because XXXX wouldnt help knowing the information was inaccurate. XXXX told me that the underwriter wouldn't give me the loan because she made a mistake on the information that she informed and that her information was not updated about the time of a short sale as being needing to be 4 years which is 5 months from the time. I already sold my home in XXXX   and she left my family without a home for a short sale that happened 3 years and some months ago. The XXXX XXXX   law is 4 years ( XXXX stated ) but if she would've notified me of this information, I wouldn't have ever sold my home in XXXX. What is the difference between now and five months for this loan? I have never not paid my bills and I have always done the right thing. That is why I tried to hold onto the property in XXXX  when I left during the housing crisis in XXXX. I have no other negative inquiries on our credit, and we don't have any bills either and we have good credit. This makes no sense that Huntington Bank employee lied to me initially and I wouldn't have come here if I knew there was a hold on the amount of years on a short sale. XXXX lied and sent a email to my realtor stating that I refused to sign the documents and that is why I did not get the loan. I was preapproved by XXXX for XXXX and looked at several houses and XXXX did the paperwork on 3 homes prior to this last home. I never received a denial letter per the federal guidelines nor notified of being denied for the loan. I was just told by my realtor what XXXX had emailed her on XX/XX/XXXX. XXXX also stated I was not being cooperative and positive when I asked about the appraisal fees because no appraisal was conducted, it was a new home. I also was notified that I refused to sign the documents which is not true. Why would I not sign the documents if I were to get a loan? Makes no sense, why would I be in this mess if I wanted a loan and suddenly didn't want to sign the papers. XXXX the loan officer lied and falsified documents to cover her job. I have emails that I sent her when I first reached out to her in XX/XX/XXXX to ask about the short sale. I also reached out to her asking if I was being denied ; XXXX emailed me in XX/XX/XXXX-XX/XX/XXXX that she was fighting with the underwriters about her telling me they wouldn't give me a loan. I have a perfect credit score and the only thing I ever had was that home short sale that was sold for the amount that was owed, even though it says they took less than what was owed. I spoke to her her supervisor on XX/XX/XXXX after several emails requesting to speak to XXXX supervisor XXXX XXXX and she told me XXXX did her job. I was extremely upset when speaking to XXXX because she said XXXX did her job and she cant assume about my credit report and she wouldnt listen that I notified XXXX of the job and the short sale prior to accepting my offer on the home I had in XXXX. XXXX stayed she can't guess what your credit will be. XXXX also notified that XXXX gave me additional options which was not true. XXXX XXXX was asked to let me speak to her supervisor and she notified that her supervisor was not here today which was XX/XX/XXXX. I asked if I can leave them a voicemail and she refused and stated she would file a complaint. I notified her prior of the short sale so it's not like I hid it. I tried to speak to her, and she wouldn't listen to reason. I called on XX/XX/XXXX to ask what was happening to my complaint and the customer service notified a complaint was never filed. I tried to email the corporate office and couldnt contact anyone so I sent a letter. I also asked why no one has followed up and XXXX. Stated no complaint has been filed so that person said they would file one. I was given a message on XXXX XXXX that they assigned someone to the complaint and if I had any questions to call them back. Huntington Bank company has destroyed my families lives because of a " mistake '' and XXXX even notified me in an email XX/XX/XXXX that it was her mistake in the first place because she didn't update her information. I also would like XXXX 's license pulled and she should not be able to sell loans when she is destructive with customers lives. XXXX XXXX company has defined my character in many ways especially sending emails and lying about what is on them in the first place. XXXX put that we were both XXXX  and not XXXX in the paperwork but she was given a copy of our drivers license that clearly shows that my husband is XXXX. I would like someone to follow up with me in this matter, Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation