Consumer complaint received 2020-11-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE (OK)

On XX/XX/XXXX I bought a XXXX XXXX from XXXX XXXX in XXXX, WI, That process went smoothly, the issue is with the bank that XXXX used to finance the purchase. Huntington Bank is the institution that XXXX used for the purchase. Huntington Bank is refusing to provide me a paper title in a timely fashion so that I can title the vehicle in my home state ( Oklahoma ). 

I contacted Huntington Bank on XX/XX/XXXX to formally request my title, the bank at first refused since the state of WI uses electronic titles. After being sent to a supervisor and restating my case they said they would make the request to the state of WI but it would take 30-45 days to get the title. I advised them that wont work, due to Oklahoma law I am required to title my vehicle and pay the tag, title, registration, excise tax and sales tax within 30 days of purchase which is due by XX/XX/XXXX. After that point I am in penalty state and have to pay a daily accruing penalty of {$5.00} per day on the taxes and fees. My vehicle is also now eligible to be stopped, myself ticketed and the vehicle towed and impounded and held until I can present a paper title to show proof of ownership. Those daily fees can be near the $ XXXX {$100.00} amount on a daily basis. 

I have involved XXXX the finance manager at XXXX and she has done everything in her power to try and assist as well but to no avail, Huntington Bank is holding my title ransom. Even with me formally requesting the title be sent to me on XX/XX/XXXX they didnt even process the request until XX/XX/XXXX. Even now Huntington is refusing to send me the title which by Oklahoma Law they are required to do, they are trying to send it to the state of Oklahoma DMV which in the state of Oklahoma has no involvement with our vehicle purchases, they only handle our driving license process. In Oklahoma we the vehicle owner have to go in person to a local tag agent and present the title with our purchase paperwork to the agent, pay the dues that are required and then we get a tag for the vehicle and 7-10 days later we get a new paper title in the mail with any applicable liens noted on the paper title. 

We have made multiple attempts to contact Huntington Bank with no change in their resolution, they are still telling us it will be 30-45 days ( Some time at the beginning of XXXX ) before we will get the title. I just received a letter dated XX/XX/XXXX stating that same info, and that it will be 30-45 days before they send the title out to me. 

The state of Wisconsin vehicle titling department told XXXX at XXXX XXXX they will send the title out the same day they receive the request from the bank and that the process should not take as long as the bank is advising and that it seems the bank is delaying the process. 

As an Oklahoma resident and this being the state the vehicle will reside in now, I need some help in getting my title. I have exhausted every means possible to work thru Huntington Bank and they are refusing to budge and are continuing to violate the laws of Oklahoma in which I am regulated under.