Consumer complaint received 2017-12-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Question : How does {$32.00} in debit card charges be approved while my business account had a Negative Balance creating an additional {$200.00} in overdraft fees when I have opted out of overdraft protection? 

Summary of facts : 1. I have a business checking account with Huntington bank opened in XXXX by an employee for XXXX. 

2. I rarely use this account 3. Had my Huntington Debit card ending in XXXX, connected to my XXXX apps, which renew yearly. 
4. I opted out of the overdraft protection, as I do with all my checking accounts 5. On XXXX, XXXX, I had a balance of + {$11.00}, when an XXXX XXXX charge for {$5.00} posted through my debit card. Leaving me a balance of + {$6.00} 6. This is where things get interesting. 
On XXXX XXXX, XXXX, another XXXX XXXX charge for {$15.00}, it was paid by Huntington leaving me a Neg. balance of - {$9.00} 7. On XXXX XXXX, XXXX, another XXXX XXXX charge for {$2.00} was charged to my business debit card and Huntington was again kind enough to cover it, leaving me a negative Balance of - {$12.00}. 

8. On XXXX XXXX, XXXX, my account was charged a {$36.00} overdraft fee : Account balance now a Negative - {$48.00} 9. XXXX XXXX, XXXX, another {$36.00} overdraft charge for the {$2.00} purchase : Account balance now a Negative {$84.00} 10.  XXXX a debit card charge for {$24.00} was approved increasing Negative account balance to {$100.00} 11. On XXXX XXXX, Huntington bank charged my checking account another {$36.00} overdraft fee ; Balance now Neg. {$140.00} 12. Also XXXX XXXX Huntington charged my account an Extended overdraft fee of {$25.00} : My Balance Neg. {$160.00} 13. XXXX : I received another Extended Overdraft fee of {$25.00} : My Negative balance increases to {$190.00} 14. XXXX. I deposited a check for {$15.00} : Account balance a Neg. {$170.00} 15. XXXX XXXX, XXXX auto payment through my debit card for {$72.00} came through. Huntington allowed the charge, WOW! 
16. My account balance increases to a Negative {$250.00} 17. On XXXX my account was charged another {$36.00} Overdraft fee : Negative account balance increases to {$280.00} 18. After ( 2 ) more {$25.00} Extended overdraft fees and a few deposits. My account balance now stands at a Negative {$260.00} as of XXXX, XXXX. 
19. On XXXX XXXX, XXXX I called Huntington bank to see what was going on. How do all these charges get approved when I do not have the funds available and I have opted out of OverDraft protection. Her response was since I am such a great customer Huntington bank extends the courtesy of allowing the debit card charges to go through. I asked about all the overdraft and extended overdraft fees. She said they could credit me back {$75.00} but the rest will remain. 
20. How am i identified as a great customer when I rarely use this account? 
21. As of XXXX XXXX, XXXX I have not received any credit. 
22. However, I am still very confused. The primary reason I opt out of overdraft protection was to avoid the Overdraft fees. This account is primarily used during election years. So, how is Huntington able to charge me overdraft fees?