Consumer complaint received 2022-09-20
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX a Thursday I went to Huntington bank to deposit my employers check from XXXX in XXXX Indiana the check was for {$720.00} and some change I requested XXXX cash and the rest to be deposited into my account. I did not realize that there would even be a hold on my paycheck however the following day when I looked into my account and the funds werent released I resorted to my receipt that i received for the deposit and it listed a possible 2-5 day hold. I was upset about this but was understanding. however as the days keep going by and my funds still werent released but were showing up as deposited on my online account i began to get worried. on Monday, XX/XX/XXXX I contacted Huntington and spoke to a representative as well as the head supervisor on a recorded line and they told me that the deposit is still processing on their end they explained to me that even if the check shows that the funds have been released on my employers end it doesnt mean that the funds will still be available on their end and they have no control to release the hold on my paycheck I strongly emphasize to them that this is my first paycheck that I received in months and my bills are on disconnect and I need to pay the bill before I get disconnected ( which actually ended up happening due to this situation anyway ) and the associate I spoke to before my conversation with the supervisor, as well as the supervisors confirmation of the release of my funds later in our conversation assured me that my funds will be released on XX/XX/XXXX which is today I was still pretty upset about it which is why I was transferred to her supervisor who still will not help me with my situation but again emphasized on a recorded line that the evening of XX/XX/XXXX my check will be released and I will have access to my funds. The time is now XXXX XXXX on XX/XX/XXXX, still no access to my funds, and I have contacted Huntington Bank three times today on account of two different situations however this situation came up in all conversations. The first conversation with Huntington Bank was this morning at around XXXX XXXX when I was locked out of my online account due to accessible failed attempts of logging in which I didnt attempt so I called to get help on resetting my password and all of that and at the end of my call with that associate I confirmed with him that my check will be released this evening he again emphasized yes my funds will be released today at XXXX XXXX tonight my funds still were not released. So again I called Huntington and so she answered the phone I explain to her what had happened and she seemed confused because she said that the funds already showed that they were releasing my account. I explained to her there was still hold on my end. She put me on hold so she can do some investigation and then return to the line and said that the funds will be released tomorrow morning which would be XX/XX/XXXX this made me very upset because I have no money and Ive been waiting for five days to get access to my paycheck that I deposited into the account on XX/XX/XXXX and I didnt understand why yesterday multiple associates including a supervisor as well as multiple associates today all telling me on a recorded line that XX/XX/XXXX my funds will be released but now its the morning of XX/XX/XXXX so she transferred me to her supervisor Who really did not care about my situation even though she said she did but with her tone very monotone and her repeating the processing time it takes to review blah blah blah Felt very disrespectful to me but she still went on and said that my paycheck shows on her computer I release date of XX/XX/XXXX as well as trying to explain that the hold can take 7-9 days ( which is completely different from the 2-5 days that is explained on the reciept and their website ) but additionally made XXXX sense due to all the statements from all of the associates including the supervisor from the last two days telling me XX/XX/XXXX so as Im trying to explain things to her and figure out a solution to this she told me that I can get my employer to contact their bank and they can send a document showing at the funds have been released ( which Huntington can already see that the funds have been released ) on their end which will still take one to two business days for Huntington to process so its not helping me in my situation now even though that the funds have already been released on my employers end and Huntington knows it ( The paycheck that I deposited came from XXXX which is a very big and very well-known and very wealthy company in XXXX who has a lot of employees Who bank with Huntington, and who has an excellent history due to never being red flagged due to insufficient funds from ANY financial institution INCLUDING HUNTINGTON. so at this point I am extremely upset because Huntington is giving me the runaround and will not release my paycheck to me. she then explained to me that even though on her and the computer says that XX/XX/XXXX my paycheck will be released there will be an ADDITIONAL 24 hour overnight processing time TO PROCESS THE RELEASE OF THE HOLD OF MY FUNDS so the funds WOULD NOT actually be available until XX/XX/XXXX which is basically a week after I deposited the check. This situation is unconstitutional its very wrong and they should be penalized for it this is not OK the date on her computer clearly change from XX/XX/XXXX to XX/XX/XXXX either that or she was lying to me about the day so I asked her what will happen on XX/XX/XXXX when that XXXX hour processing time for that paycheck to be released on the XXXX what happens when that day changes again am I going to just keep going through the same process again and every time her response was well we have processing times for certain things blah blah blah In a very insincere careless mono toned way. I explain to her that I will be contacting consumer finance and FDIC or whoever I have to contact to file a complaint against them and I dont know if she misunderstood what I was saying because she said that she will be glad to assist me a filing a complaint which I dont need from her because I am not finding a complaint with Huntington Im filing the complaint with consumer finance but as far as actually Having access to my paycheck even just some of the funds she was not helping me in anyway whatsoever even though again on recorded phone lines on every single call me to Huntington with supervisors and multiple associates I was assured that my paycheck will be released to me and I will have access to it XX/XX/XXXX she did not care and was not trying to help me in anyway. I ended the call with her contacted at the FDIC Who referred me to consumer finance and explain to me how the complaint process works and here I am please help me receive my paycheck as well as hold Huntington accountable for their unconstitutional actions and let everyone be aware of how they do business.

Company response to consumer: Closed with explanation