Consumer complaint received 2023-10-17
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XXXX XXXX XXXX XXXX I received a call from XXXX XXXX, XXXX XXXXXXXX of XXXX Huntington. XXXX stated that XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, of XXXX was in the branch with XXXX forms of ID and was asking to cash a XXXX XXXX XXXX XXXX XXXX # XXXX in the amount of {$2900.00}. XXXX stated that there were red flags that caused her to call me. I told XXXX that I had never heard of a XXXX XXXX XXXX and that I did not issue a check to him. I asked XXXX if any other checks had been drawn on my account that day and she said XXXX had cashed in and that they were suspicious. I told XXXX not to cash the check and to freeze my account. I logged on to my online banking and looked at my account to look at my accounts. I checked to see if I had issued a check with the number of # XXXX. I saw that I issued and mailed check # XXXX in the amount of {$2900.00} dated XX/XX/XXXX made payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. I called XXXX XXXX of XXXX XXXX and asked if she had received the check. She had not. I called XXXX back and told her that I had issued the check to XXXX XXXX. XXXX said that aft er our first phone call, she gave the check back to XXXX XXXX XXXX and told him that she could not cash it and he left the bank. I then called my Huntington Bank business banker XXXX XXXX. XXXX said that she could see XXXX checks had been processed and withdrawn from my account, but the banks computer system would not show details until the following day. I verified with XXXX that my account was frozen and that no more checks would be cashed. We agreed to speak the following day and hung up. The next morning I logged online to the Huntington Bank website and saw that the following XXXX checks had cleared my bank, but I did not issue them : # XXXX dated XX/XX/XXXX for {$1900.00}, # XXXX dated XXXX for {$1900.00}. Both checks were made payable to XXXX XXXX XXXX of XXXX XXXX. in XXXX. I then looked through my check stock to see if I had issued payments with these check numbers and found that I had not. I still had these blank and unused checks # XXXX and XXXX. From the bank computer images it looks like the signatures are a photocopy and the check stock is not the same as mine. I received an email from XXXX XXXX from Huntington, and she provided me with a Declaration of Unatuthorized Check form that I completed and returned. I then called XXXX XXXX Police and asked them to file a report. An officer came out. I explained the situation. The officer then ran the name XXXX XXXX XXXX through his computer and found the name associated with a similar event that occurred at XXXX Bank in XXXX Ohio in XX/XX/XXXX. The officer stated that I would probably get a call from a detective, and he left. I then went to Huntington Bank XXXX to speak to XXXX. XXXX told me that before XXXX XXXX XXXX came to the XXXX branch, that he had gone to the XXXX branch and tried to cash the check but was unsuccessful. Why was I not called and notified when the thief was turned away from the XXXX branch before going to other branches. I received a letter today from Huntington that said because I did not take advantage of the fraud preventions options I will not be reimbursed for unauthorized transactions.

Company response to consumer: Closed with explanation