Consumer complaint received 2018-04-28
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Follow-Up to CFPB Complaint ID XXXX In my Huntington Checking Account, XXXX XXXX Reimbursed my account {$41.00} for overcharging my mother after she had already paid her XXXX XXXX XXXX fees. The money was deposited into our account open to be used. My mother also received an email from XXXX XXXX that she was caught up on all of her payments to them ( See attached email ) week or two after we withdrew the {$41.00} from the account, I received an email notification from Huntington to check recent activity on my account. To my surprise, I see two mysterious " MISC '' transactions labelled " REVERSE DEBIT CARD PROVISIONAL CREDIT '', one in the amount of - {$19.00} and another in the amount of - {$20.00} totalling a - {$41.00} in my account. I visited Huntington Bank and spoke with a Banker who directed me and my mother to contact XXXX XXXX, the Banker told me that they had " Disputed against our initial disputed transactions '' even though we had been given the all clear from XXXX XXXX that my mom currently owed nothing in connection with her XXXX XXXX membership, also at no point did XXXX XXXX notify us about this dispute, nor did they ask us for permission to access our account or request authorization from me, the account owner, from subtracting these amounts.Heeding the advice from the Huntington Banker, my mother called XXXX XXXX and spoke with one of their CSRs who re-stated that she knew and could locate absolutely nothing about these changes and, like the email said, My Mom didn't owe anything to XXXX XXXX since the lumpsum payment that she made around XX/XX/XXXX to cover all of her Associate fees/costs at once for the entire upcoming year ( XXXX ), contrary to Huntington, XXXX XXXX claimed that they were NOT the ones who collected these transactions. Because of this, I would like to initiate an investigation into? 1. ) Who exactly made and collected from these two MISC transactions? 2. ) Why weren't we asked for authorization for these transactions to go through? 3. ) Why Didn't XXXX XXXX notify me or my mother that they were disputing against our initial transaction dispute? 4. ) What factual Evidence was provided to constitute XXXX XXXX dipping back into my account to retrieve a refund that they had already granted to me? 5. ) On what grounds was the refund withdrawn? 6. ) How did a Third Party company gain privileged access to my Checkings account when they've only had access to my old debit card ( which was cancelled )? 7. ) I Deactivated overdraft for my Checkings account months ago, so why did Huntington, allow for this unauthorized transaction to go through and put my account into overdraft?? I want this investigation to occur against both parties ; Huntington and XXXX XXXX since both parties adamantly deny having anything to do with these two transactions. If the evidence provided for the withdrawal of the refund is not satisfactory, legal, fair and thoroughly explained in a way that can be reviewed by lawyers I press for all funds taken to be fully restored to my account as well as any overdraft fees accrued. If XXXX XXXX is the party responsible for these MISC transactions, I would like to launch an internal dispute with Huntington ( containing the reasons above ) against the unauthorized transactions. XXXX XXXX Contact : XXXX XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with explanation