Consumer complaint received 2016-12-15
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Banks have little purpose in the XXXX century which is why they most find creative ways to get people 's money. Most times the weakest and neediest potion of our society. They dont sell an idea or a product and why should they when they can just take peoples money, what a business! 

I opened what I was told to be a plain old fashioned debit account, no overdraft protection at Huntington bank. Imagine my surprise when I discovered the bank in typical fashion for banks these days did a hard pull on my credit report which is on the same scale of walking into my home and going through my possessions. The hard pull was strictly done in an attempt to issue me a high interest credit card. When opening account the subject of a credit card was never brought up by me, was not asked by me or by the bank, was never mentioned in the conversation whatsoever. 

The reason the banks continue to do as they please can only be attributed to nothing being done by anyone to eliminate the incentives to do as they please. I can guarantee this, XXXX XXXX will now be on their best behavior. I have read many articles have gone to the Ohio supreme court website to check laws and regulation read the fair credit reporting act and and what Huntington has done to XXXX person ( me ) but likely many, many others seems to be not only a regulatory and compliance issue but likely is a criminal act of at least froud. If I forged or submitted an application for any insurance product without permission would that be ok with everyone? Do we have diferent rules for diferent people? I believe a bank can be fined up to XXXX ( per incident ) plus punitive damages and imprisonment. 

Huntington told the XXXX they have responded to my complaint but did not, at least as of yet however the response seemed to be in the past tense not future. Huntington bank has not reached out to me, I have communicated with them through a branch manager named XXXX XXXX XXXX OH, and none of my emails have been replied to after XXXX XXXX took this to his boss as he said he would do and I would bet was told to have no further discussion with me, WHY/ WHAT ARE THEY HIDING? I did speak to XXXX XXXX a few times before we where cut off from each other. Im an insurance Agent who works with seniors im not just attempting to be acknowledged only for me but for many poor seniors who have also been victims of these ( best descriptive word ) XXXX. I was reading their contract last night I cant see out it could be a legal contract due to the fact it explains no consumer rights, uses intimidation tactics to keep EVERYONE from suing them and as reading from my side would seem to say Huntington has all the rights and is authoritative as a bank, but the consumer has no rights or rights are taken away if an attack on them is made. 

Im not an attorney but have read plenty of contracts from insurance companies, though they want to protect themselves they are not telling people its my way or the highway. I dont know how you handle these maters but I requested the paperwork I signed on a credit card app or permission to release personal information to them or anything that disproves conclusively my statement. I have documentation but I want them to step up and either admit wrongdoing or not, either way the result is the same. The guy who opened my account said he pushed the wrong button on his computer as he cowered in his chair. Im busy working and can provide additional info, documentation only if absolutely necessary i prefer to save it for a possible additional step if necessary. I have time but I will expect my time to be paid for due to the unwillingness or the fare of opening XXXX by Huntington bank. As I said I read hundreds of complaints having a cause that is as blatantly wrong as they come is a good thing for me.

Company response to consumer: Closed with explanation