Consumer complaint received 2019-11-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Addition, XX/XX/XXXX : 4th visit to Michigan Secretary of State office this morning. The title was never sent to them for processing. Huntington and theit representatives are lying about this. Reps : XXXX XXXX, Vice-President of XXXX, MI branch-XXXX. XXXX XXXX, 'Specialist ' in Kentucky-XXXX XX/XX/XXXX XXXX : Huntington Bank Auto Loan Loan no. : XXXX Complaint : Lost Title Customer Service : I signed a loan agreement at the XXXX, Michigan XXXX branch on XXXX. I financed a XXXX XXXX. The branch vice-president, XXXX XXXX, kept the title to the vehicle. Michigan Secretary of State ( DMV ) claims I was supposed to be given the vehicle title. 
I went to buy a plate and was refused and told to not drive it until the vehicle was registered to me, which couldnt be done since the title was lost. I called XXXX and she replied that the title had to go to Ohio where they would process it, per Bank procedure. She assured me the paperwo4rk would be filed.

I went back to the SOS  office on XXXX. After 2 hours in line, I was again refused a license plate. They need the title. I called XXXX ; she replied that the title was mail along with the sales tax money to Michigan. I replied that this would be two entirely different State departments. She replied tht its all Michigan and it doesnt matter. I was told to just wait for the system to update, and I the meantime to just drive the XXXX on the wrong plate ( a Michigan law violation ). 
I went back to SOS on XXXX, 2.5 hours in line, 3 counter-persons exclaiming what a mess Huntington had created. I emailed XXXX XXXX, Home Loan Specialist in Kentucky. XXXX had processed the application and loan approval. Ive saved XXXX emails with his own disingenuousness but Ill stay on the Title topic. 
I called XXXX again ; she stated that the title would be XXXX to me overnight mil, but that it wouldnt show up until Tuesday XXXX. I asked if she knew why her overnight was half a week. She hung up on me. It didnt show up on Tuesday. 
I went to SOS Tuesday, XXXX. This time it was only an hour in line, plus the drive time. Again, nothing on file from Huntington. I called XXXX ; she scolded me saying the paperwork wasnt due, to me, until later in the day. I emailed XXXX. He replied that the Michigan SOS had received the title but it could take weeks to process the title into the system. 
Now all of this is in addition to the original loan proble, which was an increase in the points from XXXX to XXXX. I was told, after the loan was signed, by XXXX and also XXXX, that the increase was due to rolling the paperwork fees into the loan. I asked why I wasnt told to pay the XXXX since I had already paid a {$2000.00} down payment precisely to keep the payments down. XXXX wouldnt answer and XXXX says he didnt say this. I saved his email. 
I want a reduction in the loan APR. I want the loan rewritten. I was the title found and delivered to the SOS office on XXXX XXXX, XXXX, MI. I want sanctions against Huntington Bank for deceptive lending practices. Ive already received the payment coupons for a XXXX that I can not legally drive. I was the first payment due in XXXX, XXXX. Maybe theyll find the title by then. 
XXXX XXXX, XXXX