Consumer complaint received 2023-07-13
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
RE : COMPLAINT ; REQUEST FOR INVESTIGATION To Whom It May Concern, I am reaching out to you to notify you of the gross misconduct employees of Huntington National Bank located at XXXX XXXX XXXX, XXXX, MI XXXX are engaging in. This complaint will describe and list the misconduct of the employees XXXX XXXX ( Branch Manager ), XXXX XXXX ( Personal Banker ), and XXXX XXXX ( Vice President of Branch ). 

On XX/XX/2023, XXXX XXXX began to process my MSB ( Money Servicing Bank ) account, as well as my business accounts. XXXX XXXX will be referred to as XXXX XXXX herein this complaint. XXXX XXXX successfully opened my business accounts the same day listed above. XXXX XXXX advised me that the account total costs would be {$25.00} per month. XXXX XXXX did not advise me that additional charges would be incurred for deposits exceeding {$2500.00}. The MSB account application was completed and submitted to XXXX XXXX on XX/XX/2023. Later that day XXXX XXXX communicated to me that the application was approved by XXXX XXXX, however the application forum XXXX XXXX requested me to fill out was the incorrect application. XXXX XXXX delivered XXXX XXXX the correct application and requested to fill it out in order to complete the processing of my MSB account.

Even though my MSB application was accepted and completed, XXXX XXXX began to request documents that were irrelevant to the account process. I was informed that these documents were irrelevant and unattainable when I contacted a XXXX XXXX representative for the documents XXXX XXXX requested. The XXXX XXXX representative was confused as to why such documents would be required to open the account. XXXX XXXX delivered and then retracted the email contact of XXXX XXXX and stated that she ( XXXX XXXX XXXX was not supposed to release XXXX XXXX information. 

On XX/XX/2023, I communicated with XXXX XXXX in concern of the unreasonable delay I was experiencing with XXXX XXXX, regarding the opening of my MSB account. XXXX XXXX will herein be referenced as XXXX XXXX. XXXX XXXX informed me that XXXX XXXX had me fill out the wrong application twice and was the cause of the delay. XXXX XXXX then delivered me a third MSB application to fill out and stated this third application was the correct one. On XX/XX/2023, the third completed MSB application was delivered to XXXX XXXX. XXXX XXXX apologized for the inconveniences experienced from XXXX XXXX, and stated XXXX XXXX was acting out of her professional duties and capacity. 

Between XXXX XXXX XXXX, XXXX XXXX contacted me with statements regarding compliance of my business account. I mentioned to XXXX XXXX that I was in compliance, and the compliance concerns were irrelevant and of speculation. On XX/XX/2023, XXXX XXXX requested me to visit the branch location listed within the header of this complaint to correct another mistake on my MSB application. XX/XX/2023, XXXX XXXX notified me that my MSB account application was approved and requested me to visit the branch of her ( XXXX XXXX ) employment, referenced at the top of the document to open, and finalize the MSB account. 

On XX/XX/2023, at XXXXXXXX XXXX, XXXX XXXX contacted my cellphone from his ( XXXX XXXX ) personal number. XXXX XXXX will be referred to as XXXX XXXX herein. During the call, XXXX XXXX began to accuse me of being hostile to XXXX XXXX, which was false. I requested XXXX XXXX to review surveillance videos that would disprove XXXX XXXX claims. XXXX XXXX also threatened to close and freeze my accounts out of spite. XXXX XXXX did threaten to commit financial harm against me by utilizing his ( XXXX XXXX ) professional position. XXXX XXXX also refused to investigate the claims of XXXX XXXX, and discriminated against me through his ( XXXX XXXX ) course of actions. 

I came in contact with XXXX XXXX ( Branch Manager at the XXXX XXXX, located at XXXX XXXX XXXX, XXXX, MI XXXX ) who notified me that the conduct of the employees listed within this complaint and request for investigation was unacceptable, and against XXXX policies. 


Remedy This request hereby demands this letter to be allocated to officials of XXXX at the regional and national level, responsible for investigating employee misconducts. This also requests all applications and documents of mine to be release to me immediately of receiving this letter by via mail. Furthermore, I request XXXX XXXX and all other employees from the branch listed in the header of this complaint to cease and desist from harassing or abusing their professional positions to cause further harm against me. If the requests listed within this complaint are not remedied, I will escalate the complaint to private and federal authorities. 


Best wishes,

Company response to consumer: Closed with explanation