Consumer complaint received 2021-11-01
Company: HUNTINGTON NATIONAL BANK, THE
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
While making a large payment of {$4100.00} to bring my mortgage loan current and paying my XXXX payment, I looked to verify that this payment was received by Huntington Bank through their app where payments can be made. While doing so, I had seen that they indeed has received the payment as requested by a letter that I received from them to cure my default and stop foreclosure proceedings, I noticed a notification in the app that my loan was going to be going up {$270.00} extra a month. I couldn't understand why and had then contacted Huntington Bank directly to see first why my {$4100.00} payment had been received but was placed in a suspense account and not proceeded to show my mortgage payments were current and actually paid in advance now, and then why my monthly payment was going to be going up. The gentleman that I spoke too said that he really didn't know why, but usually it is because the escrow balance was too low. He gave me a number to call on Monday since that dept was closed over the weekend. So I in fact did call that number, XXXX which was the insurance dept from what they informed me, then they tried to forward me to the escrow dept, to which I then go disconnected and sent back to the main menu to inquire about making payments. I had gotten a letter in the mail from them about 30 mins after this call that then explained why my mortgage payment would be going up and it explained that my escrow payment was in the negative of {$3200.00} and that this amount would be spread out over 12 months and increase my payment the {$270.00}. I am upset that I had completed a loan modification back in XXXX 2021 that I was told that my escrow difference was going to be built back into the loan to bring my balance to where is should be so that I could afford my payment which is now {$940.00}. They now want to raise my payment to {$1200.00}, I can NOT afford this especially since I did the loan modification in the first place to lower my rate, terms, any payment to be able to stay in my home for at least the next year. When I was in the loan modification terms of three months, I was charged late fees, inspection fees, and my credit report with them showed my payments were missed and late for over 7 months which greatly lowered my scores. None of their figures match on statements, app, or phone calls and I really feel that I am completely being taken advantage of and that HUD violations are being done. I plan to sell my home in a year, but I can not afford this increase of {$270.00} especially when I was told that this was all in my previous loan modification. I really feel they truly are crooked and if they want {$1200.00} for my house payment they might was well have the house then because I can not afford that. I am barely able to make the {$940.00} now. Please take a moment and see if any violations or concerns are being done or what I can do at this point. I just want people to be held accountable and treated fairly. Thank you so much for your time.

Company response to consumer: Closed with non-monetary relief