Consumer complaint received 2022-09-03
Company: HUNTINGTON NATIONAL BANK, THE
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Monday, XX/XX/XXXX, I was given a fake check shipped through XXXX for a check for {$3800.00} from a company called XXXX XXXX. This company is legitimate, but the people involved with hiring me falsely claimed their area of work. After being rushed by the company to fill out my W-2 form, I-9, and employee forms I gave them my full name, full address, full social security, and phone number. I then contacted Huntington and spoke with a female customer service number representative regarding the check since I just moved to Maryland for XXXX XXXX. Because of this I dont have a Huntington Bank branch physically in my area or the DMV-area . After speaking with her, she actively asked me to send an email a copy of the check to the fraudulent email address for Huntington Bank. After sending it, she verified the check was legitimate because she checked the address of the check and verified the signature. 
The next morning, I added the check via mobile deposit, but was not dispensed the money right away which I would assume to be because it was a large lump sum of money. I received a phone call from another Huntington Bank regarding the check in which a female customer service representative spoke with me about the check to receive more information. She said since I hadnt started working for the company yet, meaning I hadnt started training or worked any hours, and said the check was fraudulent. Because of this, she told me to call and make a police report with the Police Department in XXXX XXXX, MD. After that, I called all three credit burrows, and filed an online report for Identity Theft. I was able to get a hold on my account in which Im contacted when necessary. 
As far as my accounts at the Huntington Bank, I am not allowed to receive, use, or send any money with my accounts ending in XXXX and XXXX. The account ending in XXXX is a joint account with my mother. I didnt enjoy my experience with the female customer representative I spoke with on my phone regarding both accounts. I noticed I wasnt able to see my account information due to Huntington Bank closing them. The account ending in XXXX is still open due to an overdrawn balance that I cant pay until I receive my account. After speaking with the first female customer representative, she said they closed my account due to a risk of my account information being sent out. I understand this can be a problem, but for my joint account ending in XXXX to be closed to is absurd. Especially, because my mom had nothing to do with the company and they dont have any information regarding that account since its completely separate. I believe this was wrongdoing of Huntington Bank to do. Im a XXXX XXXX with no monetary use available due to this. I have 2 incoming checks from XXXX being deposited this Friday on XX/XX/2022. Because of this issue I can no longer open a bank account anywhere else because of the risk of being a potential customer. I have also attempted to open a checking and savings account at Bank XXXX XXXX, XXXX XXXX, and XXXX XXXX  and have been denied from all three. I will not have money to use to get me through college. 
I would like to add that I did not receive a phone call or a letter in the mail regarding the closure of my account. Due to this, Huntington Bank can be in violation of many private issues regarding my bank accounts and information. I had to call in order to figure out what happened with my accounts. 
After speaking with another female customer service representative that was said to be a supervisor of the previous female customer service employee said she couldnt do anything on her end and the say is final. She did write sincere letter under my account as well as added my phone number for more information. I told her about the police report, updated her on the issue and all she could tell me was Your mother can open an account for you both, but your name cant be on the account and your personal information cant be added to the account. This I find very unprofessional for someone to say to a loyal customer for over 2 years and my mother for 10+ years. 
Im writing this to file a complaint on the company Huntington Bank. This was a one-time offense that I couldnt control. If I could, I would go back and refrain from listening to the first representative. I believe I should be given another chance for this inconvenience and I do apologize to Huntington Bank for this wrongdoing. I can attest that this will not happen again. 
I have attached all necessary documents needed to proceed with this complaint against Huntington Bank to open my checking, savings, and joint account with XXXX XXXX XXXX 
I would like to place some time to speak with someone regarding this issue. Please reach out as soon as possible to figure out an alternative.

Company response to consumer: Closed with explanation