Consumer complaint received 2017-01-24
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
This is a formal complaint against Hunting Bank. The facts following are true. XXXX 2016 I received a phone call from XXXX XXXX who is a loan officer for Hunting Bank. I had a Mortgage at that time with Huntington Bank. XXXX XXXX explained that he can offer 2.8 percent and save me XXXX $ per month on my current house payment. I made it very clear that I would not borrow any more than what I owe currently. XXXX XXXX said I will need to bring about XXXX $ to the table for closing cost and pay XXXX $ for a new appraisal. 
XXXX 2016 I met with XXXX XXXX he showed rough figures of what the loan would look like. The numbers were about XXXX $ higher. When I questioned XXXX XXXX he said " Do n't worry I had to show higher numbers to show you are not bringing any money to the table at close. The true number will be changed to only what you currently owe at time of closing. 
I was informed by XXXX XXXX that the closing date will be XXXX XXXX 2016. On XXXX XXXX I received a phone call from a lady who said she was calling to let me know that she had received an email from XXXX XXXX stating the closing was cancelled for Monday. She said I am letting you know XXXX XXXX because you were not included in the email from XXXX XXXX and I did not want you to show up. 
I sent an email Monday morning to XXXX XXXX inquiring why? XXXX XXXX responded and said it was moved until the next day XXXX XXXX same place same time. 
On XXXX XXXX I showed up at XXXX at Huntington Bank this female was there and said she was the notarize person. She called XXXX XXXX XXXX and asked where are you? I could hear XXXX XXXX say " I was not invited '' She handed me the phone and I explained to XXXX XXXX I did not agree to the figures he had in the mortgage loan papers. XXXX XXXX said " Do n't worry just sign the papers and I will explain them some time later when we can meet '' I told this lady I did not agree to the terms in the loan. She said do n't sign them. I would n't if I were you. I picked up all of the loan papers without signed them and left the Bank. 
The refinance loan was for the amount of XXXX $ My current amount I owed Huntington was XXXX . I was charged XXXX in hidden closing cost, points and XXXX $ for the appraisal which I paid cash to XXXX XXXX several months before. That never were revealed to me prior to this date by XXXX XXXX. 
When I was on the cell phone on the XXXX I told XXXX XXXX about the XXXX . He said just sign it I will get the XXXX $ back to you. I forgot you paid I do so many loans I forgot. I told him I did not want to finance my scroll in this new loan which was about XXXX . XXXX XXXX said he could not roll my scroll over to this loan. I would be reimbursed. 
I went to a different place XXXX XXXX XXXX to refinance with them. This is when I found out that Huntington Bank had closed out my first mortgage and replaced it with the loan I refused to sign. 
I received a letter from Huntington Bank showing a release of LEIN discharging my XXXX . This letted was notarized and filed with XXXX County register of deeds. And a new LEIN was filled showing the the new loan amount. 

After this was brought to the attention of XXXX XXXX ( Head Loan Officer ) and XXXX XXXX ( President of XXXX Huntington Bank ). They said they were sorry and closed out the 2nd loan and reinstated the first loan with in the Bank. Nothing was filed with XXXX county correcting the LEIN. 
I hired a Lawyer named XXXX XXXX from XXXX XXXX XXXX Please complete an audit of the loan practices of Huntington Bank. 
Thank you. 
XXXX XXXX.

Company response to consumer: Closed with explanation