Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MN)

XXXX, I had XXXX that affected income. I'm a 100 % commission wage earner that was a TCF for many years before Huntington Bank took over TCF. My account will show YEARS of deposits, consistent and large deposits. Due to my XXXX, deposits started to lack during the first quarter of 2023. I had to start moving funds from other investment accounts to Huntington to cover bills and cost of living. I explained this to Huntington and pleaded they note my account to my situation and provide a bit of grace towards late fees and allowing my funds to be available immediately. XXXX I made a check deposit from a well know retirement provider and was advised by Huntington ( in email ) that a hold was placed on the deposit thru XXXX. I'd like to reiterate that I have a rolling history of making large deposits, electronically and paper and haven't had such a large hold ever placed on my funds. On XXXX, I called Huntington to ask for grace and release my funds sooner as my account was currently overdrawn and the check I was depositing was to make everything all good. No grace was given, I was verbally told by the operator my funds would be available XXXX. So, XXXX came and my funds were not released as I was advised verbally and by email. XXXX at XXXX, I received an email that stated my funds were released. I called Huntington back that same day, XXXX, to express my frustration about being mislead in writing and verbally, that my funds would be released XXXX and in fact, were not. Not one mention, of... 'technically funds are released on XXXX '. Imagine the situation of my finances that were already in a dire situation prior to this misleading information. I would have been better off cashing the check at a check cashing establishment for a fee, just to have cash available right away and and avoid almost a week with zero funds all while account is getting further in the red. This event pushed me to report it, but as life happens, I got busy and just treated the situation as water under the bridge. Fast forward to the new current situation, that pushed me over the edge and report this to the CFPB. On XXXX, I made a payment to my " standby cash '' account in the amount of {$160.00} that would bring the balance to {$0.00}. After I submitted this payment, I noticed that Huntington already took the payment of {$160.00} prior to my transfer and so now the account has a balance of - {$160.00}. I called Huntington today, XXXX, to request they send the over payment back to my checking account. Case # XXXX and spoke to operator named XXXX, who advised me that the request was made and they funds should be sent back to my checking account by XXXX. I have an issue with why I have to wait for my funds. The account balance is over paid! The payment wasn't a check, yet the bank has a hold on refunding me MY funds back for an OVER PAYMENT?! It seems so unfair. Funds are mine, they are good and cleared. The account I paid has a $ XXXX. And I've told the bank over and over, I'm a 10+yr customer and just fell in a slump, that I'm actually almost completely out of ( by no help of the bank ) and my funds are in a sensitive state thru the 2nd quarter of this year. My complaint is that I'm a tenured client, high history of deposits and wages and this is the 2nd time this bank has tied up my funds for no good reason. The first time, I was mislead and the government should know about it.. I have proof! The second time, I have to wait almost a week for an over payment because they automatically took the payment from my account before I noticed. I would like them to be held accountable for treating Americans and their hard earned money this way. Its not right. I've also shared this complaint with other local, state and fed government agencies as well as social media to help grow awareness.