Consumer complaint received 2024-07-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX we signed Allspring transfer account redemption paperwork along with XXXX XXXX from Huntington Bank, signing and stamping the XXXX  Guaranteed. 

{$120000.00} was transferred to Huntington to be placed in a safe, high interest earning account that was offered as a special promotion, this was our retirement funds. Our meeting with XXXX XXXX and his financial advisor was to place the money in either a CD or similar account earning 5 % to 5.25 %. A total of {$130000.00} was placed into the account, remaining funds in excess of {$10000.00} remained in our checking account. 

We were offered and opened a Huntington Cashback Credit Card with a limit of {$1500.00}. Our first use of the credit card was on a business trip from XX/XX/XXXX to XXXX. 

We planned to document the entire trip on the card. When we were close to the limit, we called, verifying the balance, we asked if we could increase the limit or pay the full balance so we could continue using the card to document all expenses incurred, the Huntington representative would not allow us to make any payments or increase the limit. The balance was below the {$1500.00} limit.

We continued the conference trip using our checking account debit card. We arrived home on Wednesday the XXXX, on Saturday, XX/XX/XXXX, we received a letter from Huntington, stating our credit card was over the limit. I called to pay off the full balance, the Huntington representative opening the account and verifying the balance, refused to allow me to pay off the balance even after explaining how we had been victims of fraud and identity theft, double victimized by our own banks who sued us for stolen money, it took years to clear all the damage to our credit as we worked with the Federal Government and FTC, now on the Federal Government XXXX XXXX, the stress of being stalked and sued by your own banks and their collection minions, the STRESS and financial damage to us as a family with XXXX small children, despite this explanation, still blocked from paying the full balance, end of phone call. I called Huntington again, spoke with a different representative, explained the situation, a representative with a soul and a conscience, she opened the account and allowed payment in full for a XXXX balance. 

We are still recovering from being stalked and sued by our own banks, XXXX, teaching your elementary school children to never answer the phone or door, because the demonic banker minions were telling them we are deadbeats, criminals, we want our money right now or we will take your house and throw you all in jail, calls came in everyday, my wife would call me crying, begging to make them stop, they wouldn't, they didn't have a conscience or a soul. I was actually working on the " Survey of Consumer Finance '' for the Federal Reserve Board who flew me around the country interviewing the wealthiest people in the country. Also, guided and worked with the FTC to help form the " Fair Debt Collection Practices Act ''. It has taken years trying to recover, the financial and psychological damage far exceed the money that was stolen. The FTC attorneys asked me if I would come and testify in Washington DC, then said, " We need to provide protection for you before we bring you to Washington, you know to much ''. 

I also received a work check in the mail, went into Huntington to make the deposit on XX/XX/XXXX, while making the deposit, the Huntington teller, a teller with a conscience and a good sense of discernment and responsibility, asked me, " Why do you have {$130000.00} in an account that is only earning .05 % interest? '' I asked her to verify the amount and interest rate again, writing it on a post-it note, explaining that money is supposed to be in a high interest earning account. She pushed a few. keys, said, here is what I can do, it is now earning 3.04 %, you need to talk to whoever set this up. 

I texted XXXX XXXX about all the issues, he told me to contact customer support, I said, I am talking to customer support right now, it's you. No responses. Later, I went into the bank informed him, he said he would look into it, that it is nothing. No response. Weeks later I catch him in his office in shorts and floral shirt, quite fashionable, confronting him, he calls a Huntington representative to look into the matter, no details conveyed, says it is nothing, and that he isn't supposed to be here, he is off hours spreading mulch at home and just stopped in to look at something. 

Both XXXX and the financial advisor knew that we went through XXXX with the fraud and identity theft, our credit destroyed, our lives almost destroyed, and they act like it is no big deal, $ XXXX is nothing, he told me, you have a " XXXX XXXX '' over you. I explained you have a " XXXX XXXX '' over you, and you don't have a conscience! You need to give the teller a raise and a promotion, she is a better manager than you.

If the Huntington teller hadn't informed me on XX/XX/XXXX, our $ XXXX would still be earning only .05 % and only God knows how much Huntington has been earning. If it was the other way around, they would be hounding, suing, or fining us for losses and damages.

As of today, there is still no response from Huntington or XXXX XXXX. We are looking at other banks who are offering 4.5 %, 5 % to 5.3 %. We are overwhelmed and stressed as we are living our lives with our kids, college, and elderly parents. The thought of having to change banks, new accounts, we are currently set up with auto deposits, auto pay for our many financial obligations.

We were also offered by Huntington a home equity line, we have no mortgage, market value is $ XXXX, I initially declined because of our damaged credit scores, the manager insisted, finding out, you do quality, I agreed to acquire it, it would be a good emergency fund for an unexpected home repair or to assist our kids in finishing college if they needed it. It was at 2.4 % during Covid, my wife and I both working, my wife has W-2 's, because I was with a startup company during Covid that was paying me on a business check instead of payroll, waiting for payroll to be setup, my boss said Huntington should accept his weekly checks as a payroll check, average checks were {$1500.00}, they Huntington can see the weekly deposits, Huntington declined approval, but now they have offered it at the higher interest rate, now that they were only paying us .05 % interest on {$130000.00} Also a note : The banks demonic attorneys and collection minions who accused my kids as being deadbeats, they should know that despite their efforts to destroy us, we rose up, and those kids graduated with Honors, made the Dean 's List, graduated XXXX XXXX, all are XXXX XXXX XXXX XXXX XXXX XXXX programs, and were the Honor Guards at a U.S. Senators funeral. 

When I reached out for help, going to my banks with whom I had perfect credit, their actions spoke : " We have now XXXX you, your wife, and children, and now we are going to XXXX you '' They did apologize, saying, " We're Sorry, Don't Take It Personally, It's Just Business ''!