Consumer complaint received 2016-07-01
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My wife and I applied for a mortgage with huntington bank. We discussed the ins and outs of the loan process with XXXX XXXX and talked about how much would be needed to be put down on our mortgage loan. We later met again with XXXX XXXX and he showed us the loan estimate. We then received the closing disclosure, which we signed with the monthly payment being final. My wife and I took the final payment on the closing disclosure as correct ( we do n't understand all the realty / banking abbreviations that go in to an estimate ). As we approached closing date ( huntington bank had aprox 45 day notice of ) huntington asked to move the closing date back from XXXX/XXXX/16 to XXXX/XXXX/16. The process went quick because of multiple phone calls and text messages from myself and my wife. We then closed on XXXX/XXXX/16 @ XXXX at XXXX XXXX XXXX, XXXX After I got home after closing I received a phone call from XXXX XXXX , from huntington bank , that they improperly disclosed information to us, and that the closing was void. We then had to wait for new CD forms to be sent to us so we could verify them and establish a new closing date. It turns out that huntington bank failed to disclose Mortgage Insurance to my wife and I in the Lenders estimate and closing disclosure ( which is almost {$100.00} difference per mo. ). After multiple phone calls and cussing battles with XXXX XXXX he tried to blame us for not catching the banks mistake. Both XXXX XXXX and XXXX XXXX, have stated that all huntington bank will do is grant us {$750.00} refund on top of a {$250.00} refund for opening a checking account with them.That does nothing to help the fact that we could n't close on time and now we have to wait five additional days. They have caused countless hours of stress to my wife and I, and all they want to do is cover their own backs and try and blame us. It should n't take countless phone calls and text messages from the customer to the lender to get them to do the job they get paid to do. 
At the closing with XXXX XXXX XXXX, XXXX, we learned that we should have received the appraisal for the property that we were/are purchasing. We did not receive such appraisal. We finally did receive it on XXXX/XXXX/16 ( the day of closing ) at XXXX, 4 hours after our closing time. 
XXXX XXXX and XXXX XXXX have never responded to phone calls in a timely matter. It is offensive that a mortgage company that prides themselves on customer service, will not own up to the previously stated issues. 
We went with huntington bank because we thought they were a good company and we could trust them. We have come to the conclusion that the customer ( in this case us ) does n't matter. They have made this process awful and we still ca n't trust that they will close on XX/XX/2016 like they promised we will. If they do n't close this time when they promised to we could end up losing the house and will have no where to live. 
We hope that someone reading this will take action to stop huntington from treating people this way.

Company response to consumer: Closed with monetary relief