Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
Subject : Formal Complaint Forged Endorsement, Misrouted Employee Check, and Improper Investigation Closure I am filing a formal complaint regarding a {$1000.00} employee compensation check issued through XXXX XXXX XXXX and processed/mailed by Huntington Bank XXXX XX/XX/year>. The check was never received by neither me or my wife and was sent to XXXX XXXX XXXX XXXX, XXXX, Illinois with which we have no connection and where we have never lived. We later obtained a copy of the cashed check and confirmed that the endorsement signature is not mine. I did not sign, authorize, or consent to anyone endorsing or depositing this check. This check was cashed at XXXXXXXX XXXX on XX/XX/year>. Plus, I was at work all day the day and time the check was cashed. Despite this, Huntington Bank has concluded their investigation by stating they found no error and that the decision is final. They have further stated that I signed the check, but they have not provided any documentation or evidence supporting this conclusion, including : * Signature verification method used * Source of comparison signature * Deposit method used ( mobile, ATM, teller, or in-person ) * Identity verification procedures at time of deposit * Account information used to negotiate the check XXXX XXXX XXXX XXXX XXXX has directed me back to Rust consulting and a law firm XXXX & XXXX XXXX XXXX For over a year we have been waiting to hear from them and they said that XXXX Bank concluded no wrong doing and denied/closed the case on XX/XX/year>. This was new information to me as of today and I never heard of or knew anything about this. Key facts : * We never received the check * The check was mailed to an unknown XXXX address * The endorsement signature is not mine * The check was cashed in a different state that I live in * We have been unable to obtain any explanation for how our address or identity was used We are requesting a full independent review of this matter, including : 1. Verification of the mailing address used for issuance of the check 2. Audit trail of any address records associated with the account at the time of issuance 3. Documentation of how the check was deposited and by whom 4. Review of endorsement acceptance procedures used by the bank 5. Reassessment of the forged endorsement claim We believe this represents either a breakdown in payment processing controls, improper handling of negotiable instruments, or potential fraud involving misrouting or unauthorized negotiation of the check. We are requesting correction of this issue, proper investigation of the endorsement, and reimbursement or reissuance of the funds owed. This matter remains unresolved due to conflicting conclusions between the issuing employer and the processing bank, and lack of supporting evidence for the determination that we endorsed or received the check and took it to XXXX XXXX XXXX We are seeking a formal regulatory review and resolution. I keep hitting dead ends or anyone wanting to help me determine what happened to the money owed to me. Thank you for your help XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation