Consumer complaint received 2018-06-13
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX- {$150.00} was scheduled to be transferred for my first home equity payment with Huntington . I scheduled the payment online using the information XXXX details on my account for electronic payment purposes.

XX/XX/XXXX-Huntington called me to say there was an issue with my payment. I made another payment online, {$230.00} using the instructions from XXXX and XXXX. 

XX/XX/XXXX-I called Huntington to verify there were no issues with the payment as it was not showing as pending in my XXXX account. Huntington employee informed me that the payment had posted on their end and there were no issues. 

XX/XX/XXXX-I received a notification from my credit monitoring service that Huntington reported my account as delinquent and my score dropped 85 points to XXXX. 

XX/XX/XXXX-I went into the local branch to pay cash for XXXX, XXXX, and XXXX ( {$330.00} ) and have them set up an automatic payment so that I would not ever experience this issue again. The branch manager filed a complaint to have my delinquent status removed from my credit report as I had followed all of Huntington 's instructions and it was their error.

Unsure of date-Huntington sent me a letter stating that they had made an accurate report to the credit bureaus and refused to reverse their delinquent status. Huntington placed my home equity account on hold, halting my home improvement projects. 

Early XXXX-I spoke with Huntington regarding the reinstatement of my loan as my account was showing with the credit bureaus as improved. They refused my withdrawal request stating the account had gone delinquent. XXXX at my local branch then got involved and was hoping that her customer service contacts would be able to rectify the situation as the error was in Huntington 's system.

XX/XX/XXXX-XXXX provided a letter to Huntington stating that they did not submit details on the above referenced dates for the above referenced funds. XXXX further provided Huntington, who were saying the funds were returned as NSF, that no such status was given to my account and no fees were assessed and that I had sufficient funds for the withdrawal. XXXX also outlined in the letter that Huntington processed the payments that were set up with their branch on XX/XX/XXXX incorrectly but fixed the information and informed Huntington of their error.

XX/XX/XXXX-Huntington provided detail to share with XXXX that funds were reported by XXXX as " Hold on Funds '' XX/XX/XXXX-XXXX provided detail to share with Huntington that they sent Huntington an unable to locate account status as the payment was processed as an electronic check XX/XX/XXXX-I provided Huntington screen shots of their customer payment screen to show them that the payments are set up on their website as transfers and verified that the information I provided was correct. 

XX/XX/XXXX-XXXX from Huntington 's local branch called me to tell me that Huntington was still unwilling to correct the error on my credit report or recognize that the error in payment was theirs. I forwarded XXXX all details so that she was brought back up to speed. 

XX/XX/XXXX-XXXX from Huntington sent me an email to tell me that Huntington was not accepting XXXX 's letter and information regarding the lack of processing on Huntington 's part. I called XXXX they suggested I send Huntington my statements to show that my account had sufficient funding and was ready to accept their withdrawal if Huntington had properly processed it. 

XX/XX/XXXX-I went into the local Huntington branch to ask for a status update as well as request again for my account to be reinstated. XXXX informed me that she would ask again.

Company response to consumer: Closed with monetary relief