Consumer complaint received 2020-11-24
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi. Im an XXXX. I moved to this country to give a better life and me and my son. I worked hard to be able to afford a middle class life. It was not easy transitioning from post-communist  XXXX. Ive been with Huntington my whole time in America, which is close to 20 years now. I have had any late fees or overdrafts. I mean never ever. At some point I put my son 's name on my account since he and I do not have anyone in this country. My thought was if something bad happens to me tomorrow or I die, he will be able to get my small money and be able pay bills for me. At that time I was not aware of wills or inheritance laws ( and still not sure how it works ) or could afford an attorney fees. As a mother I thought I am doing a good responsible thing by putting my son 's name on my account. My son grew up, moved out and works as a waiter. He gets paid daily. He opened his own account with Huntington bank, following my steps, as I was always happy with this bank. He told me that every day he deposits his money into the Huntington ATM which is just a couple of steps away from work. He does not drive. He does not have driver license. As he explained to me, this one particular ATM close to his work and his apartment ( XXXX XXXX XXXX XXXX in XXXX, Michigan XXXX is notoriously unreliable. It malfunctions constantly. It ate my sons money once, which he successfully disputed. It also is constantly unable to accept cash deposits, which is the only form of payment my son receives as being a XXXX. I have a screenshot of the machine with " can not receive cash deposits ''. He complained in person at the bank. During Covid time the ATM machine was again not accepting money. My son went back for three days to check and it was still faulty. During Covid months my son faced the shutdown and then, since the restaurantes opened, there is still very little income due Covid restrictions, bars closers and constant temporary closers due 14 days isolations because of close contact of co-worker who became Covid positive. His problem was he overdrafted one day, knowing he can pay it all back the next. Hes rarely ever had any issues with that. But with the machine not accepting cash, he could not do it. Besides that, between those days he began feeling very XXXX, with XXXX  like symptoms but also XXXX XXXX XXXXXXXX XXXX XXXX. He quarantined at home hoping the situation would resolve itself amidst a NATIONAL PANDEMIC. What was originally a little over {$50.00} overdrafted had turned into {$540.00} and on XX/XX/10 it was withdrawn from my account, form the account my son has nothing to do with ; he never used my account, never deposited into account. My account is out of his reach. His name was strictly put for emergency only. For emergency me dying without warning. I called to the bank, I talked to supervisor. They lectured me and said that is totally legal to withdraw money from a mother, who has nothing to do with the issue and from account which never ever being overdrawn. This bank stole from me. My son tried calling and explaining. He intended to pay back the small sum he withdrew, but the ATM wasnt accepting and then he was XXXX. I think this situation could be resolved and also prevented, but Huntington is not willing to do it or listen.

Company response to consumer: Closed with explanation