Consumer complaint received 2015-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Huntington National Bank is the holder of my mortgage. I purchased the house in question in XXXX with my father as co-signer, however, I alone made payments on the mortgage up until the year XXXX when we suffered financial problems that forced us to enter into Chapter XXXX Bankruptcy. At the time, we could not afford to make the mortgage payments so my father, as co-signer, took payments over in order to keep the house. We settled our debts in courts and exited Chapter XXXX successfully that same year ; I believe it was XXXX. XXXX. At no time, was the loan renegotiated by my father to remove me from the account. My father made approximately XXXX payments on the house until such time we could have our debts resolved and could increase our income. 

Huntington National Bank changed the account information for our loan sometime during this period without any notification or authorization from us or to my father as the co-signer. In fact, without negotiation, my mother 's name ( XXXX XXXX ) was added as an additional co-signer, again without authorization. Huntington has locked us out of our online account, having changed all of the online account information as well. We are not able to enter our online account and ca n't effectively handle any of the financial issues with associated with this mortgage. 

On XXXX XXXX, XXXX, my wife, XXXX spoke with the online support division to attempt to have this issue resolved. Huntington stated that they refuse to grant us access to our account online or otherwise. She explained to the representative that the loan is in my name ; XXXX XXXX. I along with my wife are solely responsible for payment and handling all financial issues associated with the loan. She even asked that the representative conduct a payment history investigation to confirm this. 

I am still listed as the owner of this house and the associated loan also still lists me as primary ; my father is still listed as co-signer. I have to be able to handle all matters associated with this house and the mortgage, including insurance and taxes and in order to effectively conduct this business we must have the ability to access information online and we must have the means to pay the loan online. XXXX the representative stated that he consulted with supervisors and XXXX told her that he simply could not provide us with access to the online account. This seriously impairs our ability to pay the loan on time, simply due to our pay schedules. By refusing to enable us the option to pay online ; by changing account information without notification or authorization by any of the parties involved, Huntington has not only violated our rights in regard to this loan but they are intentionally interfering with out ability to pay this mortgage without accruing stiff monthly fees. 

The second issues is that I paid the monthly mortgage amount ; actually I overpaid for the month. The phone service system through Huntington stated that the payment was received on XXXX/XXXX/XXXX. My bank confirmed that they issued the payment. However, Huntington made XXXX additional attempts to withdraw those funds on XXXX, XXXX, and XXXX, having already been paid by our bank, XXXX XXXX. We confirmed this information with XXXX. Each attempt to withdraw those funds resulted in an insufficient funds fee of {$35.00}. In total, these actions resulted in a fee of {$100.00}. 

We have no way to access critical loan management documents even for the purpose of this filing because Huntington refuses to give us access to the loan for which I am responsible.