Consumer complaint received 2021-04-23
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 XXXX XXXX, loan officer gathered all necessary information from my wife and I to file an mortgage loan application. We ask for a VA loan but, she took it upon herself to guide us toward a conventional loan and coerced us into taking it. She, XXXX kept entering o r personal finance and personal data incorrectly to the sum of ( 6 ) six times. Each time she resubmitted the information ( she said she did ) I would get an email asking me to review and sign the disclosure. I'd contact XXXX to tell her the disclosure has yet again been done incorrectly. Finally, I got in touch with XXXX XXXX who said she would look into it. She said XXXX was incorrect and that XXXX will resubmit the application with corrections. It was revised, XXXX said it was okay. I pointed out the mistakes and said to her If you'd have read the revised application you'd have seen them for yourself. That was the ( 7 ) seventh attempt be me to have them fix their mistakes. I was given yet another person to take over the loan process. Her name is XXXX XXXX. I and my wife met with her in office on XX/XX/2021 XXXX I'd been trying to get my loan fixed since XX/XX/2021 ) It was now XX/XX/2021 and I am having yet another loan submitted by XXXX XXXX. It came back containing the exact same mistakes as was on all of the previous applications. I re-contacted XXXX XXXX, told what had happened. I was sent yet again to see XXXX XXXX ( mean while in between all of that I was also shuffled around through several more people : XXXX, XXXX and XXXX ) By the way, XXXX XXXX is the Huntington Bank 's Vice President of Mortgage. Okay, so now I and my wife are once again in the office with XXXX XXXX and we are once again going over the incorrect information that she had placed on OUR 7th. LOAN APPLICATION for the same loan. XXXX suddenly realizes that ( ( 7 ) Seven loan applications, revised and still not correctly done, that we were never legally eligible for the loan in the first place. We have been put through XXXX applications in which they continuously messed up only to find out they were trying to give us a lone we weren't even eligible for in the first place. Not to mention they seriously damaged our credit file by pulling our credit twice for the same loan. We never gave them permission to EVER run our credit because I pulled it myself for XXXX XXXX while in her office. I did so to stop from receiving a hard inquiry. XXXX had the credit report in hand when she 1st. filed the credit application XX/XX/2021. 
I asked and asked them to remove those pulls from the agencies. They did not do it but, XXXX XXXX claimed she would. Well, then it got down to XXXX XXXX putting in an application for a refinance loan stating it was the loan we were actually supposed to have ( with XXXX XXXX ) been applying for. Let me point out that We were approved for the loan we weren't eligible for [ and ] for the refinance loan. BUT, We could never get to XXXX XXXX of signing the disclosure because of the serious mistakes both, XXXX had made and then again made by XXXX XXXX. After ( 9 ) NINE ATTEMPTS to get they to fix the loan applications so that the disclosure would read correctly XXXX XXXX just up and sends me an email saying, Customer Advocacy will contact me and that her, XXXX, XXXX, XXXX, XXXX and XXXX would no longer accept emails or phone calls from my wife and me. Stating it was because of emails I sent and phone calls I sent. I sent back an email saying they were just running from the fact that they ruined our credit file, couldn't get the loan revised and just gave up on it. I went to the bank asking for the phone number to the Customer Advocacy people and was told by XXXX they have no number for whomever that is. My point is this after, a total of ( 9 ) nine try 's, ( 2 ) two credit pulls, ( 7 ) revised attempts for a loan I wasn't ever supposed to have applied for, ( 2 ) attempts at the correct " Refinance '' loan ( I was approved for both ) They still kept messing up. So when I finally blew my gasket and told them in no uncertain terms what I thought of them and told them to fix the XXXX loan correctly and stop F***king it up. They pulled down the shade and have left me in the dark not knowing the status of our loan. It was approved and only needed the disclosure information corrected and XXXX had already said she'd done that but it still came back without any changes being made ( 9 ) nine times! And now they stopped communication. I don't even know where our personal information is at, we ask for our documents to be returned and they are avoiding all contact with us. 
We did nothing wrong. We were coerced into applying for a loan by XXXX XXXX in which we were not ever eligible for in the first place. She never once did the VA loan application we asked for in the beginning. We were given a refinance loan by XXXX XXXX. Then when they kept messing up I blew a gasket and now we are being given the cold shoulder treatment and left knowing nothing about our loan. Not to mention the 2 credit pulls we never gave permission for them to do. Who wouldn't be upset after being screwed over ( 9 ) nine attempts to get one simple loan info/ data placed correctly into the loan to move it to closing. They violated my wife and I terribly.

Now we can't apply anywhere else because we already have 2 hard inquiries from Huntington bank and what's more we don't even know what's going on with our loan at this point. All they had to do was put in the correct info and we'd have already been through closing. The guy we are buying from is short on time before he is dead and the bank knew this. They have really screwed us over in so many ways it is beyond comprehension. I HAVE every email ( and there are many ) they sent saying they were going to fix the incorrect information on our loan application ( s ). And of all the various persons we were handed off to. and of all the times I told them I can not sign a disclosure with incorrect info on it. They also got caught trying to use " The gift of equity '' in the amount of {$35000.00} which was wrong ... thats when they started avoiding us.

Company response to consumer: Closed with explanation