Consumer complaint received 2018-09-04
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern Huntington Bank is violating FCRA, by reporting my credit incorrectly. On XX/XX/2018 I spoke to XXXX XXXX at XXXX, when I received a notice stating this loan was late, and I promptly made a payment. After speaking to the cosigner on this loan, I found that there was in fact a payment made on XX/XX/2018, made by phone, but instead of Huntington putting the payment on the right loan they posted it on a XXXX XXXX loan # XXXX ( Which this is a breach of privacy that I have her loan information because of your XXXX up ) I called back the same evening on XX/XX/2018, and spoke to XXXX XXXX again at XXXX and explain the situation. He tells me that he has to put in a work order and that the payment on XX/XX/XXXX, will be pulled from XXXX 's account, posted correctly to my account, and the payment I made that evening would post for the XXXX payment. Oh and there is no confirmation number he can give me. 

Fast forward to XX/XX/2018, when I received another late notice, and realized the issue had NOT been fixed as XXXX said it would be. I spoke to XXXX at XXXX who put in another work order to have the misapplied payment applied correctly. She advised me to call back in 2-3 business days. I called back on XX/XX/2018, and  spoke to XXXX at XXXX, she told me the payment had been moved and it would be back dated to XX/XX/2018, when the payment initially was paid, and the next payment would need to be paid no later than XX/XX/2018. I told her at that time that I was concerned about this on my credit. I was rest assured it would not hit my credit and ALL late fees would be waived. 

Can you imagine my surprise when I received FOUR credit alerts on XX/XX/18 showing that Huntington reported this loan late for XX/XX/2018 dropping my credit score over 60 points I was at a XXXX to be dropped to XXXX? Even though it was XXXX XXXX, the call system stated that the branches were closed but the phone center was available. 42 minutes on hold, I just hung up and drafted this email and sent it to them. 

Today XX/XX/2018 I called XXXX, spoke to XXXX, who said he was not able to help, but he didn't see any late fees, and that they are not able to tell customers if payments will affect their credit score, he gives me XXXX informs me I have to talk to customer service. I talk to XXXX and she says she has to transfer me to loans, because guess what? She cant help either. I was on hold for 33 minutes during this " transfer '' before I hung up and called back to customer service to only find out they were closed for the even. This is a joke right? That is probably why I was on a forever hold because just like XX/XX/XXXX they were closed and now they are closed and there is nothing in the works to say that they are closed. A whole hour and 15 minutes of my time was wasted, which my time cost {$28.00} an hour so that is about {$35.00} that Huntington owes me for attempting to do their job.

Company response to consumer: Closed with explanation