Consumer complaint received 2021-07-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX I utilized a personal line of credit offered by my long time bank of 11 years Huntington National Bank. The personal line of credit was extended as part of my consumer checking account, with a credit limit of {$500.00}. On XX/XX/XXXX I transferred {$500.00} to my personal Huntington Bank account. The terms were monthly same as any loan, with a due date for first payment on XX/XX/XXXX of {$160.00}. I had contacted Huntington prior to the due date, to ask for a change in due date in XXXX. I spoke to a representative by calling XXXX the number that was provided on the app under " Contact Us. '' The representative informed me that I could change and move my due date by 10 days, at no time in the conversation did the representative convey that it would disrupt the personal line of credit or that I would be forced to make a double payment. Therefore, using my Huntington App, I paid my personal line of credit on XX/XX/XXXX in the amount of {$160.00}. This would have been for my original payment that was due on XX/XX/XXXX - my new due date with a representative moved forward by 10 days. Also at that same time as speaking with a representative I had turned off my automatic debit which would allow Huntington to draft from my checking when the loan was due. I felt this didn't give me control of my loan, therefore, that is why I had to manually schedule my payment on XX/XX/XXXX. To my surprise and without my consent Huntington Turned-On the automatic debit sometime after my manual payment and on XX/XX/XXXX drafted my checking account in the amount of {$170.00} taking almost the full amount that I receive in Child Support deposited from the State of Ohio. I called Huntington today using the number provided from the application, my first call I placed on XX/XX/XXXX at XXXX lasted 1 hr 10 minutes, I spoke to a representative who told me that he had reach out to a supervisor, and had told him that it was not an error and had to due with my billing cut off. But I paid for my original due date of XX/XX/XXXX on XX/XX/XXXX after changing my due date by 10 days, there was no reason to draft my account again 6 days after my payment. I was told that this IS NOT a bi-weekly payment schedule yet, is on a 27 day cycle. If this is the truth then why was a second payment, taken from my account, without my consent or authorization just six days after making a payment. My call was completed by the represented as he had no other explanation. I was not satisfied with his response, and placed a second call to Huntington within minutes at XXXX XXXX  the call lasted 47 minutes, in which I was told that there was a disruption on my account when I requested that the due date be changed to coincide with my payroll dates, and that they would also draft my account on XX/XX/XXXX and also XX/XX/XXXX, for a personal line that is supposed to be set up on a 27-day bill cycle this makes no sense. I don't understand why this bank is singling me out, and having me pay so frequently and not according to it's original terms and conditions of the personal line of credit. I conveyed this to the rep, she said she didn't know but she knows I have another payment due on XX/XX/XXXX and one also due on XX/XX/XXXX she advised that there was nothing that could be done to refund my money, that was taken from my account after a payment had already been processed ; and that there was nothing she could do to stop the upcoming payments. I advised her I would be reaching out to the CFPB to file a complaint, she advised me to call back yet again tomorrow to talk to someone else in the loan department. 

Furthermore, Huntington did not advise me that there would be a soft or hard pull ( inquiry ) for using these funds. I didn't notice there was until my score dropped from the inquiry. When I ready the information, as it is worded on their website, it says : " Huntington customer can qualify for a digital only $ XXXX {$1000.00} line of credit based primarily on their checking deposit history, not their credit scores. '' What this tells me is that you *Huntington are not going to pull my credit, to make any decision, but you did. 

And now instead of treating my account like everyone else 's you have decided to put me on a 6 day to 14 day billing cycle without any reason as to why, when you insist that this is a personal line of credit like a credit card as stated by your employees.