Consumer complaint received 2020-10-12
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I filed a complaint XXXX the company provided inaccurate financial data in its reply and the CFPB closed the complaint without allowing me to respond. 
I did notify the company, but would like the complaint to be meditated through the CFPB as the regulatory agency in charge of such issues. 
The company misapplied payments, and now has inaccurate financial records that are directly conflicting with my account information. 
I would like the company to fully audit my account and investigate the misapplication of payments and inaccurate accounting of my mortgage payments. 

My original complaint was regarding misapplication of payments. 
The company replied stating I had paid late. This is incorrect. I was fully paid prior to the due date but Huntington inaccurately applied the payments, resulting in a late charge. 
The misapplied payments were an issue. 
The Late fee was an issue. 
The weekly payment was an issue. 
NONE of this was appropriately addressed. 
The late fee was waived but marked as a courtesy, when in fact, it should never have been applied. 
The reasoning for the misapplied payments was not provided. 
The new issue is Omission of payments received. 

My response to the company was : Hi XXXX, Thank you for your response, but it is inaccurate. 
In your response you stated " Further, as outlined in the terms of your Mortgage Note, if a full payment is not received by the conclusion of your XXXX grace period, a late fee is assessed to the account. Our records indicate one ( 1 ) {$51.00} late charge was charged on XX/XX/2020 because the full payment amount was not received by the due date. Please know that as a courtesy, the fee was waived on XX/XX/2020. Ive confirmed there have not been any other late charges assessed to your account. '' However, you omitted several XXXX payments from your accounting -- see screenshot below : XX/XX/XXXX {$350.00} XX/XX/XXXX {$350.00} XX/XX/XXXX {$350.00} XX/XX/XXXX {$350.00} My full payment was not due until XX/XX/XXXX. 
As such, my payment was fully paid and the late fee was inaccurately assessed due to misapplication by your team. 
I will also provide this response to the CFPB and request that your response be corrected to reflect this information. 

I also reiterate my original claim to be permitted to pay weekly, pursuant not only to the Code of Federal Regulations, but also, Huntington 's offer of services, of which I just received an email today inviting me to pay more to experience the benefit of saving over time. 

As such, I will officially reject this response with the CFPB and hope that Huntington can provide an updated reply with this corrected information and offer. 

Finally, I do intend to continue to pay weekly, as I have been and am currently paid in advance, as I have been. 

Please advise in your response if Huntington is rejecting my partial payments going forward. 

I also attached screenshots of my payment records directly from Huntington.

Company response to consumer: Closed with explanation