Consumer complaint received 2017-12-26
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Question : How does {$32.00} in debit card charges be approved while my business account had a Negative Balance creating an additional {$200.00} in overdraft fees when I have opted out of overdraft protection? 

Summary of facts : 1. I have a business checking account with Huntington bank opened in XXXX by an employee for XXXX. 

2. I rarely use this account 3. Had my Huntington Debit card ending in XXXX, connected to my XXXX apps, which renew yearly. 
4. I opted out of the overdraft protection, as I do with all my checking accounts 5. On XXXX, XXXX, I had a balance of + {$11.00}, when an XXXX XXXX charge for {$5.00} posted through my debit card. Leaving me a balance of + {$6.00} 6. This is where things get interesting. 
On XXXX XXXX, XXXX, another XXXX XXXX charge for {$15.00}, it was paid by Huntington leaving me a Neg. balance of - {$9.00} 7. On XXXX XXXX, XXXX, another XXXX XXXX charge for {$2.00} was charged to my business debit card and Huntington was again kind enough to cover it, leaving me a negative Balance of - {$12.00}. 

8. On XXXX XXXX, XXXX, my account was charged a {$36.00} overdraft fee : Account balance now a Negative - {$48.00} 9. XXXX XXXX, XXXX, another {$36.00} overdraft charge for the {$2.00} purchase : Account balance now a Negative {$84.00} 10.  XXXX a debit card charge for {$24.00} was approved increasing Negative account balance to {$100.00} 11. On XXXX XXXX, Huntington bank charged my checking account another {$36.00} overdraft fee ; Balance now Neg. {$140.00} 12. Also XXXX XXXX Huntington charged my account an Extended overdraft fee of {$25.00} : My Balance Neg. {$160.00} 13. XXXX : I received another Extended Overdraft fee of {$25.00} : My Negative balance increases to {$190.00} 14. XXXX. I deposited a check for {$15.00} : Account balance a Neg. {$170.00} 15. XXXX XXXX, XXXX auto payment through my debit card for {$72.00} came through. Huntington allowed the charge, WOW! 
16. My account balance increases to a Negative {$250.00} 17. On XXXX my account was charged another {$36.00} Overdraft fee : Negative account balance increases to {$280.00} 18. After ( 2 ) more {$25.00} Extended overdraft fees and a few deposits. My account balance now stands at a Negative {$260.00} as of XXXX, XXXX. 
19. On XXXX XXXX, XXXX I called Huntington bank to see what was going on. How do all these charges get approved when I do not have the funds available and I have opted out of OverDraft protection. Her response was since I am such a great customer Huntington bank extends the courtesy of allowing the debit card charges to go through. I asked about all the overdraft and extended overdraft fees. She said they could credit me back {$75.00} but the rest will remain. 
20. How am i identified as a great customer when I rarely use this account? 
21. As of XXXX XXXX, XXXX I have not received any credit. 
22. However, I am still very confused. The primary reason I opt out of overdraft protection was to avoid the Overdraft fees. This account is primarily used during election years. So, how is Huntington able to charge me overdraft fees?

Company response to consumer: Closed with explanation