Consumer complaint received 2024-02-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Mon XX/XX/24 - Requested account closure and check mailed to me for full amount of my XXXX account ( {$6900.00} ) with XXXX. 
Wed XX/XX/24 - Check dated this day. 
Friday XX/XX/24 - Received XXXX Check for account closure in the mail. XXXX Custodian XXXX, check issued by Huntington Bank. Check issued to my personal name in full amount of {$6900.00}. 
Sun XX/XX/24 - Deposited XXXX Check into personal checking account with XXXX XXXX, my banking institution. 
Tues XX/XX/24 - XXXX XXXX check deposited ( first attempt ) is fully available for full amount ( {$6900.00} ). 
Wed XX/XX/24 - I mailed a personal check for the full amount ( {$6900.00} ) to a separate institution with the understanding this money was now fully available to me. 
Thurs XX/XX/24 - XXXX XXXX reversed the entire check amount ( first attempt ) ( {$6900.00} ). 
Thurs XX/XX/24 - I called XXXX XXXX to start a case/ticket for more information, was told to call back on Monday. 
Mon XX/XX/24 - I called XXXX XXXX back to check on my case. I was informed the check was rejected by Huntington Bank, the originator of the check. 
Mon XX/XX/24 - I called XXXX and spoke with XXXX XXXX who opened a ticket to track this. We discussed options and I was advised I could re-deposit the same check to my personal checking. Notes were added to my XXXX case to inform the Huntington Bank Operations team to accept the check. 
Mon XX/XX/24 - I attempted to deposit the check a second time with XXXX XXXX. 
Wed XX/XX/24 - XXXX XXXX check deposited ( second attempt ) is fully available for full amount ( {$6900.00} ). 
Wed XX/XX/24 - My personal check, which I mailed on Wed XX/XX/24 with the understanding I now owned my funds, was cashed by the separate institution for the full amount ( {$6900.00} ). 
Wed XX/XX/24 - I called XXXX and spoke to an individual with whom I could barely understand/communicate. I asked them to please update me on the status of the second deposit attempt from Huntington Bank Operations so I could ensure it would not be rejected a second time on the third day. I was assured notes were added to my account. An update from Huntington Operations would take XXXX business day. I was informed to call back tomorrow to receive the update from Huntington. 
Thurs XX/XX/24 - XXXX XXXX reversed the entire check amount ( second time ) ( {$6900.00} ), leaving my personal check account in the negative for over negative XXXX XXXX dollars ( over XXXX XXXX ). 
Thurs XX/XX/24 - I called XXXX and spoke with XXXX. I was informed the individual I spoke to on XX/XX/24 failed to add notes to my account. I elected to now void the original check ( attempts XXXX and XXXX ), and XXXX is to send me another check in the mail for the same original amount. I was informed there will likely be no expedited mailing despite the hardship incurred as a result of XXXX and Huntington 's actions. I was also informed by XXXX this is not the first time she has encountered this precise issue from another customer of XXXX, indicating a systemic flaw or malicious design of the account closure process. 
Thurs XX/XX/24 - Submission of CFPB complaint. Still awaiting my money from XXXX XXXX.