Consumer complaint received 2017-06-06
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Huntington National Bank solicted me for an SBA loan for a work vehicle. The process started out simple, but was long and bumpy because Huntington kept changing the rules in the middle of the game.
The loan was eventually signed on  XX/XX/XXXX  for  XXXX .
Payments for the loan were sent on time, from my current business bank account at the   XXXX   XXXX   to Huntington bank. While Huntington took abnormally long times to process the loan on their end ( 11 days in most cases ), they did process the payments for the first 8 months.
On the 9th month, Huntington returned the payment to my bank, stating only that they could not find the account, and subsequently REFUSED to communicate with my business bank to rectify the situation.
On the 10th month, a payment was made via a paper check sent certified mail to Huntington Bank. They returned the payment via regular US mail.
For the 13 months between the 10th payment and the current time, payments have been made, however Huntington has made it extremely difficult. The bank has used up so much of my time that my business of 20 years has plummeted and I have been diagnosed with health problems. Huntington has given various bizare excuses ranging from " Human error and that 's all you need to know '', to loss of original documents, loss of business account number, and various other excuses. They have now taken me to court citing " breach of contract '' and are demanding I pay the 4 % loan off in full. I have spent hundreds of hours attempting to obtain alternate financing and have failed. This leaves me no choice but to go to court. But, because I am a business, I am required to hire an attorney. Like most small businesses ( hence the SBA loan the bank solicted me for ) I can not afford to pay an attorney, especially to fight a bank who I have been told by every attorney I tried to get help from " always wins ''. So Huntington has effectively backed me in a corner where I can not even represent myself in court, where they have not even provided a lick of proof as to their allegations, and all because Huntington Bank made mistakes that they refuse to own up to.
I have filed 2 complaints with the OCC. These complaints go to a woman named   XXXX   XXXX  , who is an employee of Huntington Bank.   XXXX   XXXX   then files a completely false response to the complaint, and it is whisked under the rug. There is no accountability or check and balance here.
My business has been profitable for 20 years until doing business with Huntington bank. I have almost 5000 customers who love us and 3 employees who love and depend upon their jobs. And we will be destoryed by this predatory bank ( huntington ). Had Huntington bank not solicited me in the first place, I would never have obtained an SBA loan through them. I have event spoken with the assistant director of SBA in Michigan and they have assured me that the SBA itself can not help ; the SBA protects the lender, not the customer. I have contacted my state representatives, who I am sure are busy with many issues. They encouraged me to submit a complaint here, to the CFPB. I assure you, you are my last hope. And equally, I assure you if this complaint is given to Huntington bank, they will only lie. They have clearly done something very wrong and do not want to be caught.
I will provide documents upon request.

Company response to consumer: Closed with explanation