Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (MI)

PREFACE : This is NOT a duplicate complaint. It is about a SECOND ISSUE arising from my checking account at Huntington National Bank............................ On XX/XX/2021 a person posing as a new tenant gave me a check for a security deposit in the amount of {$2100.00}. I deposited the check with Huntington National Bank. It is very simple to find this transaction if Huntington claims to not know which one it is. It is the ONLY {$2100.00} deposit to my account for at least 2 years................................................ NOTE : MY ACCOUNT WAS NEVER " COMPROMISED '' OR " HACKED ''................................................ On XX/XX/2021, Huntington sent me a letter in the mail stating that they believe the check is " counterfeit '' and that it will be investigated and my account was on " hold '' until it could be figured out. I received the letter on XX/XX/2021 and told the person who gave me the check that the bank said it was fake and locked my account................................................ As soon as I told the person posing as a new tenant about the fact that Huntington said the check was bad, he began to violently demand a cash refund immediately. I knew that very moment that this was an attempted check cashing scam................................................ The scammer escalated his threats and violent actions further until I made a police report and the police told the man to no longer contact me................................................ Between XX/XX/XXXX and XX/XX/2021, I called Huntington Bank nearly two dozen times waiting on hold for hours at times. Each time I would have to explain the entire situation and that the check is bad and to not process it, return it, do whatever they do when fraud is detected. I then inquired about when I could access my own funds in the account from my payroll checks. Eventually, after a FEW WEEKS, I was able to access those funds after many calls and visits to branches................................................ After all of this, on XX/XX/2021, Huntington simply processed the fake check, withdrawing money from the victims account and placing it into mine................................................ After speaking with an attorney, I was advised that this inept action by Huntington National Bank may make me ( criminally and financially ) liable to the victim whose account number was on the scammers check................................................ I again start the process of multiple calls and visits to Huntington National Bank. I restate the facts above in each interaction. Huntington withdrew the {$2100.00} from my account and only noted that it was a withdrawal for Case # XXXX. This is the second issue arising from this account that I have to report to the CPFB in hopes of receiving a reply or any action from Huntington National Bank. I show this to my attorney and he tells me that I am still liable due to the note not stating that the funds were returned to the victims account................................................ I started calling Huntington about this SECOND ISSUE on XX/XX/2021. I have only one request : a letter from Huntington National Bank stating that the {$2100.00} taken from the victim 's account and placed into my account has been returned to the same account from where it came.