Consumer complaint received 2017-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Dear Sir ; In XXXX I took out a loan for my business. It was a capital loan. I was in the fuel business, purchasing fuel and selling to government facilities. Each purchase was between XXXX and XXXX so I needed capital to purchase the fuel and then pay my supplier, then repay the bank when I was paid by the government. My contract with the government was XXXX. My monthly sales were between XXXX and XXXX. So my loan of XXXX was within the scope of what I needed. There are very low margins in the business that I was in, so in order to operate as efficiently as possible, I signed up for money management service. They paid off the loan as quickly as possible following the deposits of money both XXXX and walk in checks. The reason that this effects me personally is because I signed personally for the loan and they took assets that they were not entitled to. 

Huntington Bank decided to call in the loan in XXXX, XXXX. They sent a demand letter and we started working on repaying the loan. We started making payments of XXXX and we were paying the monthly interest. Even though we were doing this they went and got a judgement against me personally and my business. The Judge signed the judgement letter and Huntington Bank started legal  proceedings against me. The judgement was XXXX. They closed the business checking account in the negative even though I sent the money to pay for it. 

Since there was so much disparity between the two sides the judge appointed a receiver, who did nothing but make me collect the funds and then charge the company for it. It was also stated in one of the court proceedings that I only owed XXXX. 

I was asked to also give amounts that I had saved for my son 's college tuition. 

Also I did not have a full accounting of what went on because some the court documents went to a different address. They had XXXX XXXX XXXX, and XXXX E. XXXX. 

I tried filing bankruptcy but the attorney left, and I went through three or four attorneys trying to file bankruptcy, trying to sue, but I each time the attorney was offered a loan from Huntington Bank. 

I finally filed bankruptcy myself in XXXX after being abused by XXXX and after Huntington collected a small amount XXXX that was in my bank account. 

After the bankruptcy was XXXX there was still the lien on the house. Huntington would not remove it. I tried talking to XXXX XXXX in collection accounts at Huntington and who referred me to their attorney. He was the one that put the lien on the house. They would not remove the lien on the house. They were not longer entitled to the funds due to the bankruptcy. 

I attempted to renegotiate the terms of my home mortgage and XXXX XXXX would not renegotiate the terms of my loan due to the lien on my house. I missed out on funds that the state afforded me of XXXX to reduce the capital due on my home because of the lien. The XXXX XXXX XXXX. 

I was operating on no funds. I was desperately trying to get a job, but due to the fact that there was this huge lawsuit against me I was only able to procure temporary work. 

I tried filing Chapter XXXX Bankruptcy to try to save my home, but due to fact that I could not even afford the fees and credit counseling the judge dismissed the cases. I managed to scrape up enough fees to hire one attorney but I did n't have enough money to come up with her continued fees. Sure enough that attorney was offered a loan by Huntington. At that point the collection attorney demanded XXXX to remove the lien on the house and I would not pay it. 

I finally found a full time position, hiding behind XXXX XXXX. Huntington sold my home on the same day that I started work. Since I did not dare miss any work, I had to quit fighting Huntington and just concentrate on making money. Huntington sold the home to someone else in the neighborhood. XXXX XXXX received money from the loan guarantee to pay off the loan. This was a FHA loan. 

This also broke up my family, my son constantly badgered and followed by police had to move to another part of the city. We were always so nervous anyways because we did not know what else was going to happen. I also had to move my XXXX XXXX XXXX aunt out of the house because I could n't afford to take care of her anymore. 

When they foreclosed on the home items were stolen, which were also never recouped. 
I had to donate all of my furniture and belongs because I did n't have any money to store the items. 

I am not a slouch. I have received monthly appraisals of work done at my current employment and am constantly in the high XXXX 's in productivity. 

I have tried over the past two years to recoup time that was lost and money that was lost. This was a travesty that never should have happened. 

I am very afraid that by complaining I am going to lose my job, because XXXX is also involved with the company that I work for. 

The reason that this is coming up again is because, I am trying for a mortgage after saving for two years. The reason I can not get a mortgage, even though all payments have been made on time for the past two years is because of the foreclosure on my home, because I did the right thing and turned over the home to who I thought the mortgage was with which was XXXX XXXX. Huntington Bank should turn over all funds that they collected in error. I should also be reimbursed for the amount that they sold the home for since they had no right to sell the home. Please let me know if there is any information that you will need, since there are so many boxes and boxes of information that I have. 

I have tried sending a letter to the judge, I have tried filing a complaints against the lawyers and nothing seems to have worked. We tried negotiating with the bank but they said they did n't have to do anything. Please help me! 

Sincerely, XXXX XXXX XXXX XXXX