Consumer complaint received 2017-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX someone attempted to deposit a fraudulent mobile check into my account. I was not aware of the situation until Wednesday, XX/XX/XXXX as I was checking my account on my mobile app because I was due a payroll deposit of {$260.00} from XXXX XXXX XXXX XXXX XXXX. I was not able to check my account. I kept getting an error message. I went into the Bank at XXXX XXXX, in XXXX XXXX that same day. They told me that there was a {$820.00} check deposited to my account that looked fraudulent so a hold was put on my account. The banker was speaking with a department on behalf to find out what was going on and basically a hold was put on the account to investigate. Days went on and I kept calling customer service and going into the bank to find out what was going on. On XX/XX/XXXX I called customer service and was informed that outside of the hold on my personal checking checking account the joint account I was on, which is my son 's account, was overdrafted. I was not aware of the prior to calling. So they took the balance of my account for {$51.00} and change and put toward his account. The whole time the only way of knowing what the balance was in my account was through the daily alerts sent to my email because of this hold. Not one time has any representative called me from Huntington Bank to first of all discuss the fraudulent check that happened on XX/XX/XXXX and the steps that were being taken. Instead they returned the check which I agree with and charged me {$10.00} for returning it. I do n't agree with that. Someone tried to scammed me and I have to pay for it? I went into the bank again on XX/XX/XXXX because I had a payroll to enter in my account for {$290.00} and I was told the hold would be removed on XX/XX/XXXX. I went into the bank on XX/XX/XXXX and the {$290.00} was no longer in the account and no trace of it. I was told the deposit was rejected and sent back and then I was told the hold would be removed on XX/XX/XXXX. I went into the bank on XX/XX/XXXX and the deposit of {$290.00} was back in my account and I and was told the systems was down and that they would call me when the system was back up after they spoke to someone about the arrangements that were made to take care of the joint account on XX/XX/XXXX. The branch called me on XX/XX/XXXX and I went back to get my deposit and was told it was on hold until the joint account balance was paid. I left the bank and called customer service and spoke to someone in the collections department and they read my payment arrangements for the joint account to be paid on the XX/XX/XXXX. The representative told me that they ca n't hold my funds if I have a payment arrangement. She then sent me to a customer service supervisor. The supervisor called the holding department to find out what was going on. She came back to the phone to tell me that the account is still on hold because they are investigating deposits coming in the account so at this point on XX/XX/XXXX I still ca n't get my payroll from the account. I have no way of knowing what is going on unless I call. Not ONE TIME have I received a from a Huntington Bank official or customer service representative about the scam matter and procedures that were being taken nor have I received any type letter other than a copy of the fraudulent check and a memo stating that I will be charged. I am the one who was scammed but yet am being treated like criminal. I am very disappointed in how I have been handled with this incident. As of XX/XX/XXXX I still have not been contacted.