Consumer complaint received 2021-07-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (IL)

XXXX XXXX - started the refinance process on or about XX/XX/XXXX. To date the bank has not yet completed the process which has resulted in the refinancing bank XXXX to ask for additional documents because the ones I submitted have expired. My refinance is serious danger of being derailed due to XXXX and his poor response to my communications where i have repeated sent emails asking for updates. XXXX has only replied to a few and he takes an extremely long time to respond if ever. I believe Huntington Bank is deliberately holding up and delaying the process to derail my refinance request. In summary Huntington Bank and it s representative XXXX XXXX has not been operating in good faith. XXXX XXXX the Huntington banker who handles my SBA loan account rarely gets back to me regarding my loan and I have had to either call or go through the Huntington Bank Customer Service person XXXX XXXX who was a little more responsive but as of late i have not heard anything about my refinance. 
SBA Loan Information Request - I have also asked XXXX XXXX about the status of my my Huntington SBA loan in terms of balance owed, payments and how to access it. XXXX refuses to give me any information about my loan which is needed by me for not only business reasons but for tax reasons. I have requested this information form XXXX multiple times which is documented in emails. My accountant and franchise attorney are both completely astonished by XXXX and Huntington banks treatment of me as a minority business owner asking only for4 access to his SBA account. Also in a rare phone call with XXXX he stated that he had made some unilateral decision without informing me that the SBA was paying my loan. 
It would be helpful to know and explain why and how these decisions are being made without my knowledge or approval. XXXX has no regard and could care less about informing and explaining to me what is happening with my account. I have not approved any SBA loan payments to be paid by the SBA and also I have seen where my loan amount has gone up dramatically as a result of his unilateral decisions without informing me. 
Excessive Credit Checks - XXXX has also treated my unfairly by purposely checking my credit 3 times in the last year. When i asked him about Huntington 's policy he state he has the right to check it once a year. However he did not have an answer to his abusing his authority and abusing my credit with unnecessary credit checks which have caused my score to go down. I can understand one for annual and one for my home refinance. 
In XXXX - XXXX/Huntington checked my credit twice XX/XX/XXXX and XX/XX/XXXX. In XXXX XXXX/Huntington checked my credit on XX/XX/XXXX and XX/XX/XXXX. In XXXX XXXX/Huntington checked my credit on XX/XX/XXXX and XX/XX/XXXX. If the standard policy is once per year then there is a major issue here especially if it was not for a specific reason like home refinance which is understandable. However, why was it necessary to run my credit on XX/XX/XXXX and then when i applied for the refinance on XX/XX/XXXX it was run again this has only had a negative impact on my scores and further supports XXXX unfair and biased treatment of me as Huntington customer. 

Based on these facts which are supported by numerous emails and calls I would like to move forward with an investigation into the business practices of Huntington Bank in particular XXXX XXXX the bank representative. All I have asked for is to be treated fairly and respectfully and to get an update on my home refinance and an answer on how to access my Huntington tosee what is going on with my account and to make sure that XXXX or anyone acts in good faith to disclose any issues and problems with my account. however this is not the case in dealing with XXXX. I look forward to resolving these issues with Huntington Bank and being treated fairly with open and honest communication on any and all banking matters. 

Thank you, XXXX XXXX ( XXXX ) XXXX