Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/2022 the payee, XXXX XXXX XXXX, informed me that they had not received payment from me for the month of XX/XX/2022. I reviewed my business checking account and saw that their check # XXXX for {$490.00}, had been cashed on XX/XX/2022, attachment # 1. I informed them of that. They responded telling me that they never received or cashed the check. I sent them copies of the cashed check, and they responded that they did not sign the check and informed me that they always stamp their checks and deposit them in their account at XXXXXXXX XXXX. I reviewed my cashed checks for XXXX XXXX XXXX and found that they did indeed always stamp their checks, attachment # 2. I contacted Huntington Bank business customer service, where my account is held, and informed them of the fraudulently cashed check. They informed me that the check had been transacted and that they were done with the check. I pointed out that the check had been cashed for someone other than who it was written to, and they told me I could dispute the check by going into the bank office. On XX/XX/2022, I went to the XXXX XXXX and XXXX XXXX branch and completed an affidavit with branch manager XXXX XXXX. I additionally opened another business checking account and signed up for reverse positive pay services for both accounts to ensure that no future checks would be cashed without my approval. On XX/XX/2022, XXXX XXXX XXXX contacted me informing me that the replacement check I provided, # XXXX, had been returned NSF. Additionally, their bank charged them a {$40.00} fee for the bad check. I contacted XXXX regarding the issue. There was sufficient money in the account and the check should not have been denied for NSF or any other reason. Additionally, I had received notification from the bank that there were no checks for me to review, so I was perplexed about the returned check. XXXX informed me that she had been giving approval or not for my checks since I opened the new account on XX/XX/2022. She was out on the day # XXXX, was submitted and that it was denied by default when she did not respond to the inquiry to approve or deny the check. I was perplexed why XXXX would have authority to approve or deny the checks when I set up reverse positive pay allowing me to view, approve, or deny my checks. She was very apologetic and stated that, as it was Huntington Bank 's error, she would have the money for the NSF fee XXXX XXXXXXXX XXXX had to pay refunded to my account. I have yet to see that refund! I went into the branch on XX/XX/2022 and had XXXX provide me a cashiers check covering the amount due XXXXXXXX XXXX XXXX the # XXXX # XXXX check the new months billing and their NSF fee for check # XXXX. The cashiers check was for {$1200.00}. I contacted XXXX weekly to ask about the status of my affidavit and refund for the check Huntington Bank fraudulently cashed, as well as the refund of the {$40.00} NSF fee. She never had a status on the affidavit for {$1300.00} and made excuses as to why the refund for the NSF fee had not been credited to my account yet. On XX/XX/2022 I received a letter and another affidavit from Huntington Bank. The letter stated that the payee needed to fill out the forms, attachment # 3. The letter made no sense, as the first page front and back is my banking information which the payee wouldn't have. I contacted XXXX on I contacted XXXX on XX/XX/2022 for clarification. She stated that she did not understand why the payee needed to provide and sign for my banking information and that she would contact fraud for clarification. For the record, XXXX XXXX XXXX has always been willing to provide an affidavit! I contacted XXXX over the next 4 business days, always being told that she was busy and would return my calls. On XX/XX/2022, after not receiving any return calls from XXXX, I went to the bank and inquired why she hadn't responded to my calls. She stated that she probably got my messages and was too busy. She went on to say that she was moving to another office, on XXXX XXXX and XXXX XXXX in XXXX, Michigan. I showed her the letter from fraud, and she said she made a copy of it. She said she had spoken with her manager about the situation ; he too didnt understand why fraud expected my payee to know/provide my personal banking information, and that she had not gotten a response from her manager or fraud regarding clarification on what to do with the new affidavit. She said that she would be splitting her time between the two branches and would see the issue through. I told her that this situation, the latest of many issues with business account servicing with Huntington Bank, was enough for me to consider moving my accounts to another bank. She urged me to give her a chance to resolve the issue before moving my accounts. She was unable to make any calls or follow up on anything that day due to her computers being offline. I called the XXXX XXXX and XXXX XXXX branch of XX/XX/2022 and was informed that XXXX no longer worked at that branch. I called the XXXXXXXX XXXX  XXXX XXXX branch and was informed that XXXX was opening a new account and could not come to the phone. The teller asked my name when I gave it, XXXX said, " Oh you found me! '' I haven't heard from XXXX since that day. I will do my best to address the newest affidavit I received on XX/XX/2022, I will complete page 1, and have XXXX XXXX XXXX complete and sign page 2 and send it in via registered mail. I am disgusted with the way Huntington Bank has handled this situation. I definitely should not be harmed due to Huntington Banks ' careless disregard of their own rules and check cashing processes. This stonewalling though is quite reprehensible! Huntington Bank should be ashamed of their nonprofessional handling of this matter. I WANT MY MONEY BACK!!!!