Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
To Whom It May Concern, In XX/XX/year>, I opened a new checking account at Huntington Bank. I opened the account online, was approved, and my account and online banking were set up. A short time after that, in order to fund the new account, a close friend of mine wrote a personal check out to me for the amount of {$300.00}, and the check was then deposited via the mobile deposit feature in the Huntington Bank app. The funds were held for what was supposed to be the standard amount of time to verify that the funds are available, that the check has cleared, etc. After what I would estimate to be about XXXX weeks or so, the hold by Huntington still remained on the funds in my account. I checked with my friend, and she verified that the check she wrote to me did in fact clear her account and the money was taken from her account. When I went into my local Huntington branch to inquire about the status of this and to withdraw the funds, I was met with confused employees and a frustrating lack of answers. They said they could not verify if the account was actually still opened or closed. I requested, in the event that the account was closed, to be cut a check for the funds that were deposited into my account. They said they could not do that, and that I would receive a letter in the mail explaining why. After waiting over a week, I never, and have still never received any lettter or any explanation of the status of my funds. I finally called corporate customer service and reached the Deposit Services Department ( I may be wrong about the name of the department ), where they handle inquiries about holds and deposits. I was told that the reason I couldn't withdraw the funds, was because the person who wrote the check to me ( my friend ) needed to write a letter stating that she wrote the check and that I was indeed the intended and rightful recipient of those funds. I was then told she needed to have this letter notarized, and to bring it to any Huntington branch, and that the employees there would know where to file the letter, and then, at that point, I would finally be able to withdraw the funds. My friend, at a great inconvenience to her, complied with this request, wrote the letter, got it notarized, and dropped it off at Huntington. After a few days, I again went to withdraw the funds, and again was told that the funds were on hold, the account was closed, and that this time, they would be issuing a check for the {$300.00}, which I would receive in the mail, along with an explanation letter. It has been almost XXXX weeks since that last interaction, and I still have not received any letter or check in the mail. I called customer service, and no one can verify any information about my account, no one can tell me any information about the letter, about the check, or even when this letter and check were supposedly mailed. This is approaching the level of absurdity and I have exhausted my options attempting to resolve this with the bank. It has been well over a month, and I have no idea where my funds are, why they are being held, what steps I can take to fix this issue, or even who to talk to. The funds have simply vanished. I hope the CFPB will be able to help me resolve this issue. Thank you.

Company response to consumer: Closed with explanation