Consumer complaint received 2016-08-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I currently have a checking account with Huntington Bank. When I logged into the app to check my balance it stated that my account was a XXXX. When I looked into it further I was charged 3 overdraft fees. An extended overdraft fee of $ XXXX and 2 Overdraft fees of {$37.00} for a {$9.00} charge which is being refunded to my account and {$5.00} charge for XXXX. When I called Huntington I explained that I had a {$100.00} in over draft fees and asked why I did not receive a " 24 hour grace '' e-mail like I always do. She stated that I was not signed up for any notifications and sent me to a representative who then enrolled me in the e-mail notification. I had to go into work so I tried speaking with someone via " chat '' who stated it would be my responsibility if my account if overdrafted and refused to waive the fees. I told her I would be calling and speaking with a supervisor. I called and spoke with a gentleman who stated he could only waive {$40.00} ask asked if I wanted him to do that. I said yes but I also want to speak with a supervisor because I do n't understand why I am being charged all these fees for {$160.00}. He transferred me over and spoke with a supervisor on my lunch and not only was I late but had to take an extra half hour with approval to try and get this sorted out. I explained to the supervisor that I never received any insufficient fund notification for the {$5.00} or the {$9.00} so how can I be charged the extended fee and the over draft fees. I explained that per the insufficient fee documents that were on their site I was negative XXXX until XXXX XXXX and that according the the document I would not be charged any late fees if its under {$5.00} and since my account went over the negative {$5.00} on XXXX first I should not be charged the {$25.00} extended fee. I also explained that I never received any 24 hour grace e-mail because if I had I would have had my mom put the money in the bank account to cover it. He stated that since my account was in negative since XXXX XXXX that is why I am being charged the {$25.00} fee. I asked where it states this information and he stated on the agreement. I asked for a copy of the agreement and he said he would send it and never did. After speaking with the supervisor he sent me to a customer service specialist regarding the overdraft fees and the 24 hour grace notification. I spoke with the lady and explained that I always get notification via e-mail which gives me time to deposit money in my account if for any reason I over withdrawal. I told her I never received notification via e-mail, that I do n't go onto the website for my banking and that I use the app which does n't send messages or notifications. She then had someone look to see if I had received notifications in the past and she stated that I was never signed up for alerts and there 's nothing they can do. I said to her that I was 100 % positive that I had received the e-mails before. When I got home I looked through past e-mails and I did in fact have notifications from XXXX, XXXX, XXXX and XXXX. So not only did I feel like I am being lied to and being made out like I am a liar and trying to scam Huntington but now I am concerned as to why the notifications stopped, why its showing I never received e-mail notifications in the past when I have documentation that shows differently. I called one last time and spoke with XXXX who was very rude, I explained the situation again I read the e-mail from XXXX to prove to her that I had received these notifications. I explained to her that I should n't be responsible if what they offer does not work. She told me that I am responsible and there 's nothing she can do for me. I told her I would be looking into a lawyer and seeing if there 's anything they can do because they are price gouging. I asked again for the agreement she said I would have to go online to find it.