Consumer complaint received 2018-11-11
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I helped my mother open an Huntington 5 Interest Checking Account with Huntington National Bank. On XX/XX/XXXX my mother made a mobile deposit of {$1000.00} from her personal XXXX XXXX  Account. Then on XX/XX/XXXX my mother did another mobile deposit of {$1900.00} from her business checking account. Again on XX/XX/XXXX she did 2 mobile deposits of {$1500.00} and {$500.00} for her business checking account. Originally she wanted to make one mobile deposit of {$3900.00} to make a total deposit of {$5000.00} in order to avoid a monthly fee. However, Huntington National Bank only allows mobile deposits of {$2000.00} per day. 

She is the owner of the company and I am her son, who is the also the bookkeeper   as well as her power of attorney, and wrote her 3 checks to be deposited. 

A letter was received from The Huntington National Bank dated XX/XX/XXXX stating that the {$1900.00} will be available on XX/XX/XXXX. The next 2 letters received from The Huntington National Bank were dated XX/XX/XXXX stating {$1500.00} and {$500.00} would be available on XX/XX/XXXX. 

On XX/XX/XXXX when she came back from XXXX, she tried to access her account, but the account could not be accessed. On XX/XX/XXXX my mother and I contacted customer service to find out what was going on with the account and why we couldn't access the account. I spoke to the customer service representative, XXXX, and he told me the bank where the checks originated put them on hold because they believed the checks were fraudulent. I tried to explain to XXXX that we have copies of the checks on XXXX XXXX online showing they have already cleared her bank, but he still insisted it was a problem with XXXX XXXX and not Huntington Bank. He told me that my mothers account was closed and the funds were returned to XXXX XXXX which is not true. I asked him where the first deposit of {$1000.00} from XXXX XXXX was, and he would not give me any answer.He contradicted himself to much. I hung up the phone with him and called XXXX XXXX Branch and spoke to the Branch manager who informed me that all checks had cleared and they had no requests or had even spoken to anyone from Huntington Bank. I called again to Huntington Bank and spoke to another representative who informed me that I should go to the branch, but I told her the closest Huntington branch was 8 hours away. She told me it was my responsibility to prove to Huntington Bank that these checks were not fraudulent. I become over frustrated after she told me. I tried to explain to her that 3 checks came from her business XXXX XXXX Account which belongs to my Mother and they could check to see who was the owner of the business. Besides this, the signature on the front is the same as the signature on the back of the checks. I also told her that I had a copy of the checks from XXXX XXXX  showing they had cleared the bank. I told her what more could they want besides the copies of the check from XXXX XXXX showing they cleared. I told her why don't you call XXXX XXXX and talk to manager of the branch to clear up this matter and she said no. They sent a request and have not received an answer yet. At this point I have become overly frustrated. At this point is has been 28 days and my mother is not able to access her money. 

In XXXX, Congress passed the Check Clearing for the XXXX XXXX XXXX ( Check 21 ) to help speed up the process and allow banks to transfer checks electronically. By law, a bank can hold a check for a maximum of 9 business days before you can withdraw the money. 

I want to know where my mothers money is??? 

This is as simple as making a phone call to XXXX XXXX where the checks originated. They will find that my mother has a business account there and that they know her and me and she has had that business account since XXXX.

Company response to consumer: Closed with explanation