Consumer complaint received 2019-10-23
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an unlimited business checking account with Huntington Bank on XX/XX/XXXX at the XXXX, IL branch. It was a Saturday and technically it opened on XX/XX/XXXX. I received a coupon offer, please see attached. In the fine print of the offer in the last sentence it says bank reserves the right to limit each business customer to one new account related gift incentive per calendar year. Also, it mentioned that existing business checking customers, including those with business checking account closed within the last 6 months are not eligible for the cash bonus offer. I came into your bank that day with those terms in my hand. I had a business checking account with you last year which I closed on XX/XX/XXXX. This has been more than the 6 month period. Also, as far as other language one new account related gift incentive per calendar year ... I complied with this too since one was not received for XX/XX/XXXX. 

I also have a bonus addendum that was given to.me at account opening. Even if looking at the rolling 12 month period, I still qualify since last bonus was paid XX/XX/XXXX. The new one should have been XX/XX/XXXX. Regardless, the bonus addendum is secondary. I came in the door with the attached offer in hand. 

I have been working with XXXX XXXX Branch manager and XXXX XXXX on this matter. I went into the branch on XX/XX/XXXX with the promo in hand and asked XXXX XXXX what language was in paragraph number 1 that disqualified me. He said nothing in that language would disqualify me. He, also, stated he would discuss this information presented to XXXX XXXX and he would get back to me. 

I just received a phone call from Mr. XXXX stating I did not qualify. Again I asked him what in paragraph number 1 in the fine print of the offer disqualifies me and he was not able to provide an answer in regards to paragraph number 1, continuing to state I do not qualify. He actually hung up the phone on me, which I think is completely inappropriate.

Below, you will find the exact language from the promotion coupon that is attached to this e-mail. Also, hi-lighted is the one per calendar year which is the main point here : To be eligible for the {$400.00} cash bonus, business customer must open a new Huntington Unlimited Business Checking, Unlimited Plus Business Checking, Business Analyzed Checking, Non Profit Analyzed Checking, or Non Profit Interest Checking account by XX/XX/XXXX, and then make a minimum cumulative deposit of at least {$5000.00} within sixth ( 60 )  days of account opening. the deposit must be money not previously on deposit with Huntington, including transfers from other Huntington accounts. Account must maintain open status for at least 90 days before it is eligible for bonus payment. Bonus will be reported on IRS Form 1099-INT for the year in which you receive your bonus. Cash bonus does not count toward the deposit requirement. All new accounts subject to account opening approval and account conversions are not eligible. Offer not available in combination with any other offer. An Early Account Closing Fee will apply to accounts closed within 180 days of opening. Public Fund/Government Banking dollars and Brokers are not eligible for this offer. Existing business checking accounts closed within the last six months, are not eligible for the cash bonus offer. Bank reserves the right to limit each business customer to one new account-related gift incentive per calendar year.

Company response to consumer: Closed with monetary relief