Consumer complaint received 2020-02-09
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2020 a Huntington Branch in XXXX allowed someone who was not me to withdraw {$590.00} out of my checking account. I called as soon as I saw the fraudulent withdrawal on XX/XX/2020. I was told a dispute would be started. I was never told that there was any kind of paperwork or anything that needed to be filed on my part. My purse had been stolen about 4 days prior to this transaction so I called the police to update my open case with them to reflect the fraudulent withdrawal as well. 

On Tuesday XX/XX/2020 the police spoke with Huntington and I both and they were able to get still pictures of the person who used my ID to withdraw the money. I also called Huntington on XX/XX/2020 to check the status of my dispute. I was then informed the initial call taker had not saved any details about the situation to open the dispute properly. I was given an email to send a statement of what had happened for Huntington 's records. I did so. 

I was called back the following day XX/XX/2020 by a researcher who informed me I needed to go to a local bank and fill out an affidavit stating that the withdrawal was not made by me. I did so as well as got Huntington a copy of the open police report on XX/XX/2020. 

I had written several checks before this person removed all of my money from my account. I made the bank aware of this and they said any overdraft fees I receive from those processing while this is handled will be refunded. I have since received 3 overdraft fees and one extended overdraft fee. I have reached out to my local branch manager who  has informed me no one has even looked into my case yet as of XXXX XXXX. I couldn't stop my paycheck from being deposited to my account in time so I lost over {$200.00} to the overdraft fees and checks that processed because Huntington has yet to rectify the situation. 

The police have someone in custody for forging my name and stealing my identity but Huntington is still refusing to look into my case yet. I have not had any money to use for well over a week now because of their untimely response to my case. I have explained my personal situation and Huntington doesn't seem to care about their customers at all. I had asked for even just a provisional credit while they square things away on their end and was denied. 

I now can not pay my bills because of their untimely response as well. Every person I try to reach out to sends me in circles and can't tell me when someone will finally look at my dispute and rectify it. Which is absolutely ridiculous considering this is 100 % Huntington 's fault this issue ever happened. The police have already confirmed the signature on the withdraw slip does not match mine and Huntington should have never accepted it. 

I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. I was reached out to on XX/XX/XXXX by a representative at Huntington who gave me a little insight and said the dispute was never sent to the security department until XX/XX/XXXX and they would need up to another 10 to 14 business days to complete their investigation. I have had a paycheck deposited in that time and most of it went to overdraft fees and checks that never would have overdrafted the account had they rectified the charges immediately.

Company response to consumer: Closed with monetary relief