Consumer complaint received 2018-05-15
Company: HUNTINGTON NATIONAL BANK, THE
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I wrote a check to an individual, XXXX XXXX, Check # XXXX, in the amount of {$1600.00} on XX/XX/XXXX. The individual deposited the check the same day at Huntington Bank, routing # XXXX. On Saturday, XX/XX/XXXX Huntington Bank, XXXX, WV, notified the individual the check had the stale date of XX/XX/XXXX and would be held and not deposited. Since it was deposited in the ATM the check was scanned and sent to their Corporate Offices. The check was not going to be honored because of the incorrect year. I withdrew {$1600.00} cash from my checking account to give the individual in lieu of the check. However, on XX/XX/XXXX the check amount of {$1600.00} was deducted from my checking account, which is at XXXX XXXX. Since then, Huntington Bank Fraud Department has been holding the funds. They want XXXX to request the funds to be sent back. However, XXXX states they can not recall or cancel the check since the funds have been sent to Huntington Bank. I spoke to the Huntington Bank Branch Manager, XXXX, who stated I had to get XXXX to get the funds returned. I called XXXXXXXX XXXX, who transferred me to their Claims Department. The Claims Department stated they could not handle the issue since there isn't a claim. The Claims Department stated I would have to get the local branch to handle the issue. I called the 800 number for XXXX. I was instructed to go in person to the XXXX local branch and request a recall for the check. If the local branch didn't know what to do I was to tell them to call Branch Support to complete the Recall. XXXX at the local branch called Branch Support and completed the form on line while I was there on XX/XX/XXXX. I waited one week and on XX/XX/XXXX called the local branch. XXXX was on vacation so I was connected with the branch manager. The branch manager stated he would have to make some calls to check the status. He called me back the same day and stated the recall was denied and if Huntington Bank suspected Fraud they should have sent the funds back to the origin, which was my checking account. I called Huntington Bank back today, XX/XX/XXXX and spoke to XXXX. The branch manager, XXXX, was on a conference call. I gave XXXX the information regarding the {$1600.00} transaction and hold so XXXX could make inquiries. XXXX stated XXXX would call me back today. I did not hear back from XXXX on XX/XX/XXXX. The {$1600.00} has been in the hands of Huntington Bank for over 3 weeks now and they refuse to return the funds while XXXXXXXX XXXX states there is nothing they can do. I could certainly use some help as I am getting nowhere with either of these banks and I don't know who is wrong. I made the mistake with the year on the check but this is ridiculous to take this long to return the funds. {$1600.00} is not a lot to a bank but I'm now in a pinch for paying bills and will incur late fees if I don't get my money back soon. Thank you in advance for your help in resolving this matter.

Company response to consumer: Closed with explanation