Consumer complaint received 2024-10-09
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX I had a house fire which involved destruction of XXXX % of the house. 
I contacted my insurance company ( XXXX ) immediately ( XX/XX/XXXX ). 
I contacted my main mortgage company, XXXX Mortgage, in XXXX. 
I secured a XXXX, XXXX XXXX, based in XXXX, Ohio. 
Due to problems with my insurance XXXX, I FINALLY received the insurance check for {$310000.00} to cover damages. 
The check was made out to myself, the mortgage company ( XXXXXXXX ) and the equity line company XXXX XXXX  XXXX XXXX ). 
I endorsed the back of the check and had XXXX  XXXX XXXX endorse the back of the check. I was getting ready to mail the check to XXXX XXXX, but my XXXX said that they had a department in their company that can take care of that for me. In early XX/XX/XXXX, I handed the insurance check to my construction foreman, XXXX XXXX. 
NO WHERE on the check was the name of the XXXX, XXXX XXXX, nor any of their employees/owner. But they took the check and put their name, " XXXX XXXX  '' on the back of the check and deposited it into their Huntington Bank account THROUGH AN ATM machine. 
XXXX XXXX  never endorsed the back of the check and they never received the check. 
I didn't realize that XXXX never received the check. 

I was in contact with the XXXX, XXXX XXXX and the owner of the company, XXXX XXXX throughout the end of XXXX and the first several months of XXXX. 

I received an email or phone call from XXXX, the XXXX XXXX girl with XXXX every week or XXXX with updates or questions. Then both XXXX and the XXXX XXXX, XXXX went missing. I could not get ahold of either of them. 

This whole time, I had no idea that the check never made it to XXXX. XXXX never reached out to ask about the check. 

Lots of little things " red flags '' occurred over these first few months of XXXX, but nothing that was too fishy by themselves. Then my construction XXXX was fired from the company. 

I started to get super concerned when the company only came to my property a total of XXXX or XXXX visit during the months of XXXX, XXXX and beginning of XX/XX/XXXX. 

I had a dumpster in my driveway for months. Out of the blue, the company ( XXXX XXXX, I think was the name ), came and took it away. At first, I thought this was maybe good news. If not, I figured it was not good news. 

I spoke with the owner the third week of XX/XX/XXXX. He gave lots of excuses, was super defensive and threatened to drop me as a client if i kept calling him. 
On XX/XX/XXXX, I was near his office/warehouse and decided to stop in for a visit. ( It was a XXXX drive from my home, so I had only been there XXXX other occasion ). When I arrived, there was a " for lease '' sign in from of the building. I sign in the window had been scraped off and when I peered inside, it was vacant. 

Of course, I could not get ahold of anyone at the company. Everything went straight to voicemail. 

The next morning, I called the phone number on the " for lease '' sign and was informed that they had to force XXXX out of the property for non-payment of rent and utilities. 

I also called the dumpster company. ( Thankfully I had taken a picture of the sign on the dumpster a few months before ). I was informed that XXXX never paid for the dumpster and that $ XXXX was due on the account. 

The following week I found an invoice for {$19000.00} and {$6800.00} on my door, because XXXX never paid the framing company, XXXX XXXX XXXX. XXXX even threatened to put a lien on my house. Thankfully, they aren't doing that yet. 

After all of this, I finally figured out that XXXX had taken the full insurance check, for {$310000.00}. They were supposed to receive XXXX separate " draw '' payment amounts, through the course of the restoration of my house, following county inspections to ensure the project was done properly. 

I've contacted all involved parties and no one will help me. 

My insurance, XXXX, seems to think that they've done all they can do, because they paid out the claim. 

As you can see from the attachment, from XXXX, for XXXX, they are still requesting the insurance check from me. I've since received another same letter from them XXXX weeks ago.