Consumer complaint received 2025-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I'm XXXX XXXX XXXX. I am very dissatisfied with Huntington National Bank. I have made a deposit of {$40000.00} in a cashier 's check from a friend that is with XXXX XXXX XXXX into my bank account XXXX. I made this deposit on XX/XX/year>. After I made the deposit to my account, I was immediately locked out of my online banking account the next day. I called the bank to inquire why I was locked out of my account. Some representative from customer care service said to me that my account is under review. They didn't give me a reason why my account was under review after I made a cashier 's check deposit, but they mentioned that normally, when a deposit is made by a banker some of the time, they will lock the account until the check clears to secure the funds, which I do understand.

I also got an email the day after I made the deposit which said my cashier 's check is on hold and will be released on XX/XX/year>, and I also got a letter in the mail as well saying that my certified check deposit will also be released on XX/XX/year>, which I totally understand as well. 

When the check clears on XX/XX/year>. I got an email the morning from Huntington Bank saying my check had been released and the {$40000.00} was available in my account. I went to the bank in the evening hours around XXXXXXXX XXXX. I tried to make a wire transfer of {$15000.00} to my XXXX XXXX XXXXXXXX account and I also requested a cash withdrawal of {$2000.00} as well. They told me that the money wasn't cleared, and I should come back on Friday to get my money. After I left the bank, I called my friend who sent me the cashier 's check and asked him to call his credit union to check and see what was going on. He called them immediately after talking with me, and he called me back in 15 minutes and told me that the money from the certified check he sent me was deducted from the XXXX XXXX XXXX account from XX/XX/year>. 

However, I waited, and I went to Huntington Bank on Friday XX/XX/year> They told me my account is on hold for closure, and I would get a letter in the mail within 10 business days. I asked them to explain to me at the bank why my account is on hold for closure. They told me that they didn't know, and they are not getting any information from there back office base on the reason why my account was put on a extended hold after I made a deposit of cashier 's check and it check cleared. I got no answer as to why. I asked them to let me withdraw my money. They said they couldn't do so. I have to wait for 10 business days for a letter and a check in the mail. This is so crazy, disappointing from a bank.

I'm feeling greatly upset and disappointed in Huntington Bank for not committed to their own bank policy, for making money available to their banker that has made a deposit with a cashier 's check that should have been honored without scrutiny. I have never done anything illegal in my life, and the staff at my local Huntington Bank in XXXX XXXX XXXX, XXXX, OH XXXX, treated me like a criminal that don't deserve to get my money. I would want Huntington Bank to release my money and make the cashier 's check I deposited to my account be available for me to withdraw. 

Today is XX/XX/year> and I'm still waiting for Huntington bank to provide me with an explanation in the form of a letter based on the reason why I'm not able to access funds in my account and I also want to have more information about this extended hold on my account after I made a deposit with a certified check which was cleared by them on XX/XX/year>.

Company response to consumer: Closed with explanation