Consumer complaint received 2022-12-02
Company: HUNTINGTON NATIONAL BANK, THE
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
As a preamble : - I opened a Personal checking account with Huntington Bank on XX/XX/XXXX with my SSN- I opened a Business checking account with Huntington Bank ( sole proprietorship ) on XX/XX/XXXX. Since this account was opened as a XXXX XXXX, I used my SSN. 
I was incentivized to open the Business checking account by a promotional offer they had at the time. Open an account, deposit at least {$20000.00}, keep the account open for 90 days and obtain a promotional offer of {$750.00}. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Here are the details provided from their website : To be eligible for the {$750.00} cash bonus, business customer must open a new Huntington XXXX XXXX Business Checking, Business Analyzed Checking, or Non-Profit Analyzed Checking account by XX/XX/XXXX, then make a minimum cumulative new money deposit into the new checking account of at least {$20000.00} within sixty ( 60 ) days of account opening. Account must maintain open status for at least 90 days before it is eligible for the bonus payment. All new accounts subject to account opening approval and account conversions are not eligible. An Early Account Closing Fee will apply to accounts closed within 180 days of opening. 

If you opened a Business Checking XXXX account, your {$100.00} bonus will be deposited into your new checking account within 14 days of meeting the above requirements. If you opened an Unlimited Business Checking account, your {$400.00} bonus will be deposited into your new checking account within 14 days of meeting the above requirements. If you opened an Unlimited Plus Business Checking account, your {$750.00} bonus will be deposited into your new checking account within 14 days of meeting the above requirements. 
To qualify for the cash bonus, you are required to do ALL of the following : - Open a new, qualifying Huntington business checking account during a promotional period that falls between XX/XX/XXXX and XX/XX/XXXX. 
- Eligible checking accounts for this offer are : Huntington XXXX XXXX XXXX, Business Analyzed, and Non Profit Analyzed Checking. Account conversions do not qualify. 
- Make cumulative new money deposits to the new checking account of at least {$20000.00} or more within 60 days of account opening. " New money '' is defined as money that is not currently on deposit in any Huntington account ( except maturing business CDs ). 
- Maintain an open account status for at least 90 days. 
When you'll receive your bonus : The {$750.00} bonus will be deposited into your new business checking account within 14 days of meeting all the promotion requirements stated above. Your business checking account must remain in an open status in order to receive the {$750.00} bonus. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I complied with every single one of their requirements. Taking their timeline for payouts into consideration, I should have received the promotional offer some time around XX/XX/XXXX. 
Once I noticed payment hadn't come through, I called their customer service line ( XXXX ). I talked to XXXX different customer service representatives on XXXX separate days and neither of them provided me with a solution ( even though they confirmed that I had complied with the all the requirements to obtain the bonus ). They both said they did not know what the problem was, that they would look into it internally with the team in charge and that the bonus should be in my account in the next XXXX business days. I waited said amount of time but never got the bonus nor heard back from them. I decided to call a third time and this time DEMANDED to be given a solution to my issue while on the phone. It was only this time that the representative escalated the issue and started a complaint on my behalf. Through this complaint ( XXXX ) I was put in touch with XXXX XXXX ( spelling could be " Lawyer ''. I am not sure as I have only spoken to her on the phone ). Last week, XXXX XXXX contacted me and told me this would be looked into by the complaints department. She reached back out to me on XX/XX/XXXX and said that I was NOT eligible to receive the Business checking account bonus because I had opened a PERSONAL checking account with the same SSN a few days earlier. I explained to her that PERSONAL AND BUSINESS accounts are XXXX DIFFERENT types of accounts, one should not affect my eligibility for the other because, as their names explicitly express, one is a PERSONAL one and the other is a BUSINESS one. -- -- >Moreover, their terms DID NOT specify ANYWHERE that if one opened a Personal checking account he/she wouldn't be eligible for a Business checking bonus < -- -- What I also find interesting is that they ( Huntington Bank ) themselves treat these two account differently! Let me explain : in order to avoid a monthly fee, a customer must have a certain amount of money in his/her TOTAL relationship with Huntington. HOWEVER, within this TOTAL relationship amount, they DO NOT take funds in Business accounts into consideration, only personal checking, CDs, savings, among others. Something that CLEARLY shows they treat these XXXX types of accounts differently. I mentioned this to XXXX XXXX too. 

It seems to me that Huntington just simply does not want to honor their end of the deal and are coming up with non-sense excuses to do so. I would really appreciate your help in holding them accountable to their end of the deal so that it can be given to me. Thank you in advance for your time and effort. I am sorry to have to bother with this issue. XXXX XXXX XXXX XXXX XXXX. I can send screenshots of the amounts deposited into the account so that you can see that I reached the threshold established by them if you can not get this information from them.

Company response to consumer: Closed with monetary relief