Consumer complaint received 2015-06-05
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My complaint is with First Merit Bank ( XXXX, OH ) on a vehicle loan ( XXXX ) in which I paid in full, hold the title to ( enclosed ) and according to the bank personnel I spoke to on XXXX/XXXX/XXXX in good standing ( XXXX and XXXX - supervisor ). The issue is that all XXXX of my credit reports ( XXXX, XXXX and XXXX ) show different 30, 60 and 90 and 120 days deliquent status thou I was not late with payments as each was called in person on due date of payment. XXXX shows 60 day late and XXXX shows 120 day late of which I was told by both individuals up top in XXXX/XXXX/XXXX that there records show 5 - 30 day late payments only and no 60/90 or 120 days late and if that was the fact on my report according to them on the phone, they would of repossessed my car. I believe another issue at the center here is that I was offered a " loan extension '' on the back-end of the loan as a " special offer '' to customers like myself in good standing. This was encouraged/offered to me on the phone by a First Merrit Rep back in XXXX well before loan maturity of which I took advantage of but that I would have to pay some additional interest at the end of the loan by doing this. I paid that interest and its documented. I did receive a letter of the offer but no specific details of the offer in writing or informed by anyone at First Merit Bank on a monthly basis when I called to make my payment that this would put me in a " delinquent status '' or " affect my credit report. '' nor did I receive any written notification outside my statement in good standing that my " loan was in jeapardy '' outside of the additional interest that was due from the extension of the loan. Each month I called in on the due date and make a payment and the First Merit Bank reps were pleasant and informative on any questions I asked. Last week I called First Merit ( XXXX/XXXX/XXXX ) to address the credit reporting errors after " repeated attempts '' this past year to resolve with " notorized letters '' and " attempts to remove '' the errors. I spoke with all three credit reporting agencies who said they would submit inquiries to the bank -- most of which was not done and the tone was very clear that the Bank is always right. I received today ( XXXX/XXXX/XXXX ) upon my request a " history of payments '' from First Merit and asked for both due dates and payment dates to verify the so called 5 separate months of 30-day late payment. The multiple sheet shows nothing of the such to support their claims of 30/60/90 or 120 day late. I 'm requesting all 30-day lates be taken off my credit reports as well as 60/90/120 day which are not acurate and was even told so by First Merit Bank Reps/Supervisors - XXXX and XXXX on XXXX/XXXX/XXXX. Additionally, the " loan extension '' offer was both misleading and not explained in a way that clearly benefited the consumer vs the lender. 

Additionally, the contact information on all XXXX credit reports for First Merit Bank goes to a non working number. I asked the Credit Bureus for a working number and they indicated they did not have the responsibility to provide or supply beyond what First Merit provides to them - very non helpful. The real numbers are Consumer Loan Services number is XXXX or XXXX. Another number is XXXX for Financial Services.

Company response to consumer: Closed with explanation