Consumer complaint received 2022-08-07
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
During XXXX XX/XX/XXXX - Repossession on XX/XX/XXXX I contacted Huntington Bank Auto Loans about my auto loan and possible options to modify my loan. 
I was told multiple times that my loan could not be modified unless current. I was behind various amounts but were never actually able to see the amounts I was told on the phone that I owed. Because I had forgotten to pay XXXX month and was late, my online account access was taken away. I expressed being in financial crisis due to pandemic and was told there was no product available to help me unless i paid my payment on time for 3 months with no past due balance. I asked why I would need help if I was able to pay for 3 months on time with no past due balance. My dad attempted to make some payments for me during this time period and was told multiple different things. Huntington either wouldnt take his payment or wouldnt credit the right account. They refused to take my payments from my visa prepaid account because they say they don't accept that card even though they wouldnt tell me that when taking payment from me. They had already " accidently '' repossessed my vehicle once in XX/XX/XXXX after I made a {$800.00} payment. They towed it XXXX hours away and made me responsible for transportation and cost to recover vehicle. They routinely took late payments from me. It was all I could do since they wouldnt help in any way modify my loan. 

I was never mailed a letter saying I was past due on any amount. Huntington called my cell phone multiple times a day. Even on days that I made a payment, they called many times. I received a letter stating a balance due and the next day a letter stating thank you for your payment with the same balance due on it. Because of having no online access, I couldnt confirm this amount was accurate. I knew i had been making my monthly payments. 
On XX/XX/XXXX, I woke up to my car being hooked up to a tow truck. There were XXXX cars behind my van in the driveway so he was pulled up in my yard to obtain access to my vehicle. After, upon contacting Huntington, a representative informed me that i hadnt made a payment for 6 months. I had made my last XXXX payments. I was currently late on my payment 4 or 5 days but did have the money. Huntington accepted none of my cards so i had to wait to make it until my dad could help me. I asked the representative to read off my last XXXX payments. He read off a payment for the last 6 months. Only XXXX of the payments was around {$200.00} short. I was about {$200.00} short XXXX payment months ago. I was never told that. I was transferred to the loss team who informed me that i could apply for a loan modification. 
I was never offered or told an amount to bring my account in good standing to get my van back. Instead i was told i would have to pay the entire balance or my van would be auctioned off. I origionally leased the van in XXXX for 4 years never late XXXX time. I should have had only a year or so left on my loan. They also ran my credit the month before they repoed my van for some reason. They claim i still owe more than {$5000.00}. It was my only vehicle. I have been seriously effected by this situation. I had very low miles on my XXXX when repossessed. Around XXXX

Company response to consumer: Closed with explanation