Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
Subject : Compliance Inquiry Regarding Disclosures, Joint Property Mapping, and Loan structure To Whom It May Concern, We are filing this formal report to submit a compliance inquiry regarding a Home Equity Line of Credit ( HELOC ) application executed at [ Huntington National Bank, at : XXXX XXXX XXXX XXXX, XXXX XXXX ] on XX/XX/XXXX, XXXXWe respectfully request a federal supervisory review of the branchs sales conduct and disclosure procedures for the official record. Our primary concerns focus on the following facts : * My wife ( LEP/unemployed ) and I co-own our MN residence. To induce her signature, Loan Officer XXXX XXXX XXXX .XXXX # XXXX verbally assured her she had " no liability/rights, '' yet listed her as a " Borrower '' to bypass ECOA protections. Then blocked her account access from XXXX XXXX ( account opening ) to XXXX XXXX ( closure notice ) .stripping her of all borrower rights and TILA disclosures and right of rescission. * And this complete deprivation of borrower rights persisted even after we filed a complaint through banks hotline once plus two formal disputes with the institution until the account closure notification date. Also, the final refund check was issued to only one spouse, ignoring joint ownership and depriving co-owners control over joint proceed. Loan servicing stated a new credit card might secure a refund of the early closure penalty.Loan number # XXXXXXXX XXXX loan and Property Classification : While our explicit intent was to open a standby fund for emergency use, the application profile was structured this loan officer as a refinance : attempting to replace our existing mortgage with a 2.875 % interest rate using an 8.76 % HELOC. Furthermore, the electronic application designated our tenancy in common primary residence under the category of Other, rather than joint property. * On my personal individual credit card statement, the banks credit card system printed my wifes restricted international flight information. * Notarial Role : The licensed Loan Originator ( XXXX staff ) utilized her personal notary commission to execute the final transaction for this flawed account. ( Additionally, if she gets a commission from it, conflicts of interest are hard to avoid. ) * Upon receiving our formal inquiry regarding these joint ownership and disclosure anomalies, the bank immediately completed the county deregulation ( Release of Mortgage ) within a mere 9 days to close the HELOC account. Although the bank has fully resolved the title encumbrance by releasing the lien, weve incurred actual financial losses-specifically, over {$3700.00} in interest costs incurred as part of this matter-though not huge sum. We believe that silence can easily allow problems to recur. This may lead to more innocent consumers becoming victims, just like us. Thats why weve strived to find this opportunity to voice our complaint to CFPB. Many thanks. And we remain deeply concerned about sales practices that targeted language vulnerabilities and the extended denial of Borrower rights. We respectfully request that CFPB log this record into the supervisory system and audit whether the licensed individuals dual-role conduct, property mapping, oral representations to a Limited English Proficiency ( LEP ) consumer, and withholding of borrower access violated federal compliance, TILA guidelines, UDAAP provisions, ECOA fair lending regulations, and institutional fair lending standards. and audit whether this transaction generated non-compliant sales commissions for the individual or unjust financial gains for the institution. Additionally, the interest losses we incurred from breaking a certificate of deposit ( CD ) at another bank due to the urgent closure of this account-resulting in a {$4800.00} interest loss, as well as the statutorily justified compensation we are entitled to under regulations such as the Truth in Lending Act ( TILA ), As consumers, we kindly request that these matters also be taken into consideration as part of this review. sincerely

Company response to consumer: Closed with explanation