Consumer complaint received 2018-01-10
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Complaint Number XXXX XXXX : account # XXXX On XX/XX/XXXX : A complaint was filed concerning overdraft fees exceeding {$240.00} which stemmed from debit card purchases ( Complaint Number XXXX XXXX ) On XX/XX/XXXX A representative named XXXX  called to inform me business accounts do not have an Opt-out option, but as a courtesy Huntington bank will refund me {$240.00} covering all the overdraft fees. She also informed me I would still have a negative balance of - {$23.00}. She would not provide me with any additional information, but offered to mail me out Huntingtons disclosure which explains Opt Out is not available for Business accounts. As of XX/XX/XXXX I have not received any disclosure as promised. 
I believe the information XXXX provided to be an untrue statement. I know many Huntington bank business account owners and Huntington bank does offer Overdraft protection in 2 ways I know of. 
Through a savings account Through, what they call A checking reserve Huntington does have an Opt-Out policy in a document titled HUNTINGTON DEBIT OVERDRAFT SERVICE the document states the following : Our service that authorizes and pays overdrafts for ATM and everyday debit card transactions is called Huntington Debit Overdraft Service. Tell us which one of the following options you want and we will record it. 
Opt-Out : NO. I do not want Huntington Debit Overdraft Service.

-I understand you may still authorize and pay overdrafts for ATM and everyday debit card transaction, but if you do so. I will not be charged a fee. 
I have a copy of Huntington banks Business account Disclosures and there is no other information I could find in the documents I received upon opening our Business account that discusses Opt Out Options. 
On XX/XX/XXXX : at approx. XXXX I drove to the Huntington Branch in west XXXX, Mi. to deposit funds to cover the negative balance. However, I received an error message that my account was not authorized. I tried again and received the same message. There was no other directions. Therefore, I drove home to log on to my Huntington account and found out all information had been deleted. All transactions, deposits etc.. 
On XX/XX/XXXX : Being very confused I called Huntington Bank at approx. XXXX, representative could not provide me any information. She said it was very strange that no information displayed for her and suggested to go into a branch to see what happened. 
On XX/XX/XXXX : At approx. XXXX I drove to the Huntington Branch in XXXX XXXX . The clerk was just as confused. He looked up my account and gave me the same information as the representative over the phone. He acknowledged the business account XXXX  was closed but unable to provide any additional information. 
So here I am ; our Business checking account is mysteriously closed coincidently just days after filing a legitimate complaint and no-one at Huntington bank seems to know why. 
I am requesting the following information : The exact reason why my business account was closed, not a general response providing a number of POSSIBLE reasons but the SPECIFIC reason why. 
Huntington bank conducted research into me looking for dirt they could use against me. Every bank does this and I am formally requesting all unredacted files Huntington gathered whether used or not used in their decision to close my account. ( I am hearing echos of attorney general Sessions asking for dirt on then FBI director XXXX, to use against him as an excuse to fire him.Everybody knows Huntington bank does this, I can prove they do once we get to the discovery process of litigation. 
Huntington bank credited my account {$240.00}, I want to know why. Because when I asked previously, Huntington bank refused to remove all the Overdraft fees. They only did so as a result of my complaint to the CFPB. So, If Huntington did not break any laws, which they maintain, by charging me Overdraft fees, then why did they credit me after denying my request more than once prior to filing the CFPB complaint? 
Why did Huntington bank lie to me about Business accounts not having an option to Opt-out of Overdraft?

Company response to consumer: Closed with explanation