Consumer complaint received 2016-10-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I am a first time home owner, and decided to use Huntington bank since I have my checking and credit card with them. I was instantly approved after I sent my application in, which was very exciting for me. After looking at many homes I found the house of my dreams and financial comfort zone. The home was approved by Huntington bank and than after three and a half months, three closing dates, and unknown to me three credit checks they decided to refuse my loan after stating for the second time that my income was higher in XX/XX/XXXX than XX/XX/XXXX. My mortgage lender and her manager would never return my calls and requested the same info from me two to three times. After running my first credit report I had to get some info to them which I did. They knew about my XX/XX/XXXX and XX/XX/XXXX income because I had to send them my whole tax return and pay stubs for both those years not once but twice, please note that I thought their repeated requests for the same info was normal since I never had a mortgage before. I have emails from them and text messages stating that all was good and that closing dates were days away. After months of this I got my mom involved to help as I am working thru the day, she spoke directly to XXXX XXXX the mortgage reps boss and had her contact XXXX to clear up a discrepancy that they found after running my credit again, which was paid for in XX/XX/XXXX. Why they took multiple times to find this on my credit told us that they have mishandled my whole loan while lowering my credit rating substantially. My mortgage office XXXX XXXX was horrible but I think her manager, XXXX, misguided her. This has been an awful experience for me, I tried calling them numerous times but never would either of them call me back. This has been over three and a half months and the day I was told i was going to close ( which was not the first or second date ) they sent me an email! In the emal XXXX said that XXXX was going to call which I knew he would n't and he did n't. I felt as thou XXXX knew he was n't going to give me a loan and since I am a young first time home owner he would just treat me as though I did n't matter to Huntington or him. Insurance for my home was put in place twice once by encompass and than XXXX, which was paid in full because closing was forth coming. Again I was told they needed to change the closing date and ran my credit again which I had no ideal. we handled that and was given another closing date I was told repeatedly my home owners insurance was too high even thou my dads been in the business for thirty years, I than went to XXXX and received a comparable home owners insurance quote thru numerous conversations with XXXX we put insurance in place and forwarded a certificate of home insurance to her attention yet again they needed additional information we again had to put insurance on hold until we were able to gather necessary info. We were again given a closing date the Following week we received an email not a phone call rejecting us for the loan, because of the prolonged underwriting procedure the purchase of my home was put in jeopardy and had to once again go to the seller and ask for another extension which was the third one. I can not stress enough the unprofessional way of which I was treated by huntingtons mortgage department.