Consumer complaint received 2019-08-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX, I applied by phone for a personal loan to purchase a XXXX XXXX XXXX  XXXX ( Class A motorhome ). The seller was in XXXX Ohio and I am in XXXX Ohio. The Huntington loan officer said it was okay if the sellers couldn't attend the closing. Huntington required sellers and me to sign a bill of sale with the amount, the vin number, etc. After doing that, my closing was set for XX/XX/XXXX. Huntington continually told us the checks for payoff and remainder for seller had been overnighted, then mailed, then no, it's stuck in our processing department, it will go tomorrow. On XX/XX/XXXX, they told me they overnighted it to XXXX for delivery on XX/XX/XXXX. The buyer got her check and allowed us to pick up the motorhome on XX/XX/XXXX. On XX/XX/XXXX, seller found out the XXXX loan had not yet been paid off. After researching, Huntington said check was delivered on XX/XX/XXXX. XXXX couldn't find it. Huntington then found out that XXXX had returned the check to Huntington because there was no paperwork with it. It took some time for them to get the check back. XXXX withdrew the XXXX automatic payment from seller 's account. I originally got a 45 day temporary tag. A full month goes by. Continued to follow-up. At the end of XXXX, Huntington asked seller to be home on a certain day to sign for the XXXX payoff check. It didn't arrive. A week later seller received it on a day she wasn't home. Check and new paperwork she needed to sign were soaking wet. She dried them out and overnighted them to XXXX in XXXX on XX/XX/XXXX. 
On XX/XX/XXXX, we made our first payment. 
On XX/XX/XXXX, seller texted me to say that XXXX was finally showing the loan as paid off. It would take 5 to 8 business days for Huntington to get the docs needed to send to us so we could get permanent tags. Our tags expired so I renewed them for another 30 days. I waited until XX/XX/XXXX before contacting Huntington to  give them time to get the document, process it and mail it to me. No reply to email. Most of the time, the sales manager that I was working with by this point didn't pick up when I called and didn't return phone calls. I emailed again on XXXX and was told it would be mailed that day or the next. our second set of tags expired on XX/XX/XXXX. I sent a follow-up email on XX/XX/XXXX after nothing came in the mail. On the XXXX, the sales manager emailed me and said their collateral department needed a letter signed by each of the sellers before they could release the note to us. I was stunned and sent an email that was very clear I was out of patience. He forwarded the collateral dept 's email which tells the sales manager that the collateral dept had repeatedly asked for these signed documents since XXXX and had never received responses. The email says they received the title from XXXX on XX/XX/XXXX but couldn't release it because the signed docs hadn't been provided. I once again provided the seller 's contact info because it was clear they weren't releasing anything until they had those docs. I tried going to the bmv to get a new temporary tag and was told they can't give a third temporary tag. We are supposed to leave for vacation day after tomorrow and now we have an unlicensed vehicle and no remedy in sight for what appears to be weeks. XX/XX/XXXX through XXXX XXXX and no end in sight. No title in hand.