Consumer complaint received 2022-11-15
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I CURRENTLY had a week notice to relocate, on XX/XX/XXXX, I had to move XXXX miles south of where I was living. On XX/XX/XXXX I XXXX search the phone # for XXXX Customer Service about a order I placed. The number listed under XXXX on XXXX was XXXX, I called they answered XXXX customer service this is XXXX how can I help you. The call was placed at XXXX am, I stated thar I wanted to cancel a delivery, he asked about the item, and said we have a new way to return and immediately refund money to customers accounts. I believed him, questionable if I hadn't been What I had recently been through, and a truck load to unpack by myself, and finding a place to move one day before eviction. He went on qs, download team viewer, and had access to my phone, he said he would take care of everything for the XXXX refund to my account. He took over my phone, downloaded exodus, something about bitcoin. 
I immediately questioned the bitcoin, asked what he was doing. Saw XXXX and asked about that, I asked if he was trying to take XXXX, he was working threw this Ramp company. I told him I don't have that kind of money in my account and asked what he was trying to do? He claimed no he wasn't trying to take money, he said we are refunding money to your account. A denial code came up, I asked him what was going on.He keyed in something and it when through, don't know what he keyed in, but he started deleting things on my phone. He worked my phone remotely, stated he needed authorization, he worked my camera, took pics of card, license and me. DON'T KNOW WHAT HE DID. But Huntington bank ok 'd a transaction for XXXX went my account balance was XXXX. And put the fraudulent transaction of XXXX through my account with a XXXX balance oh and I was charged an overdraft fee for the XXXX. I immediately notified the bank of fraud, filed a complaint with federal fraud dept. Filing a complaint with you because of the banks actions. They were called XX/XX/XXXX, at XXXX After I checked my account, and didn't see a refund, but a withdrawal of XXXX. I asked the bank why they would left that transaction go through for that amount without funds. This just should not have occurred. My only income is SS is XXXX a month that is it. They said it is because of my overdraft option, that is a lie, I have had to get gas, and they have denied a XXXX charge on my debit card, when I call and ask why, they say it is their discretion on what they pay. 
I feel this Huntington Bank engages, in fraud themselves, since it was their discretion on paying this fraudulent charge, it Should be on their dime.This Banks rating is pretty low, their is a reason, why isn't the federal government doing more over sight on their business practices. 
The CEO, of this company must be really dishonest, because if he wasn't, they wouldn't be looking for ways to XXXX their customers. I have to call SS about my next direct deposit because I need a new bank, don't trust them, and can't have them taking half of my income for fraud they let go through, and the other half is rent. I pay 50 % of my income on rent.

Company response to consumer: Closed with monetary relief