Consumer complaint received 2020-07-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XX/XX/2020 To whom it may concern : I am writing to file a formal complaint against Huntington Bank. This concern began when I deposited an out-of-state check from an estate sale to my account. I deposited this at the Huntington Bank on XXXX XXXX, XXXX, Ohio between XXXXXXXX XXXX on Monday morning, XX/XX/XXXX. The deposit was for xxxxxxxxx from the law office of xxxxx. 

This is the order of events : Monday, XX/XX/2020 : I deposited the described check at the Huntington Branch in XXXX, Ohio. I asked the teller when I could expect the money to be available. She replied that it could be as early as the next day, but not likely. I checked during the day, and as expected the deposit did not show up in my account. 

Tuesday, XX/XX/XXXX, XXXX : When I checked my on-line banking, the deposit was indeed in my account. I paid xxxx to XXXX XXXX and got two cashiers checks for xxxxx made out to my adult children. I took out xxxxx so I could give each of my grandchildren {$100.00}. ( This was an inheritance check from my mothers estate. ) Later that day I tried to order a modem and was declined. I called customer service and she explained that there was a daily limit. She raised my ATM limit, but I needed to pay bills and order on-line so that was not helpful, but not a problem. I was going to wait until the next day. Side note, when I called the roto-caller said that I had all of the money available. 

That night I received a text, one of many, saying that the xxxxxxx was deducted from my account and I was {$17000.00} ish in the hole. In a panic I called and was told because it was a large check that the bank needed to verify it. 

1st PROBLEM : Had I been told when I deposited it that it would take 5 days to clear, that would have been completely understandable. That is not what happened. I was told it could clear the next day, and I was able to spend {$17000.00} before it was blocked. 

2nd PROBLEM : When I went to go on-line to view the activities on my money, my on-line account was, and is, locked. As a customer, that is quite alarming. I cant spend money from my on-line account. I dont understand the purpose of this policy. I have made the minimum of 12 calls this week to customer service so I could find out what they were doing with my money because I cant get on-line. 



Wednesday, XX/XX/XXXX & Thursday, XX/XX/2020 Made numerous calls to find out the status of my account. Finally told that the money would be available on Friday, the XXXX. They did not know if it would be Friday morning or evening, but it would be released. 

Friday, XX/XX/2020 I called to see when the money would be released. I was told now that it would be Saturday, the XXXX before I could access my money. 

Saturday, XX/XX/2020 Final straw : I called customer service and they contacted the holds department. They could not get a hold of this out of state bank the check was on TODAY, they tried to call TODAY, and it will be released on Monday. 


I want you to know that every single customer service rep and supervisor, and there have been many throughout the week, have been very polite and helpful to the point they are capable of. 

I will no longer bank with this bank. 

Locking a customer out of their own personal information while you hold a large amount of their money is insane.