Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: TN

Complaint narrative:
This complaint involves a motor vehicle transaction containing multiple statutory violations, including deceptive advertising, bait-and-switch conduct, pricing irregularities, false tax calculations, inconsistent financing disclosures, illegal postconsummation contract alterations, unauthorized use of a void power of attorney, improper execution of title and lien documents, and undisclosed mechanical and structural defects. These violations materially affect the validity of the contract, the title, the lien, the financing agreement, and the overall cost of the transaction. All violations are fully documented in the exhibits attached.I have already issued formal rescission and dispute notices to both the dealership and Huntington via certified mail, providing lawful tender of the vehicle for return and making it available for them to pick up, yet both parties have ignored and failed to acknowledge or respond to these communications in any form. 
SECTION XX/XX/XXXX DECEPTIVE ADVERTISING, BAIT-AND-SWITCH & MISREPRESENTATION XXXX. Bait-and-Switch Scheme ( Original XXXX to Different Truck Sold ) {$500.00} deposit taken on a XX/XX/XXXX XXXX. 
Dealer repeatedly pressured consumer to rush to the lot and threatened to sell the truck and keep the deposit. 
Upon arrival, the truck was nowhere on the lot and was found across the street outside the service department, keys were locked in service, department and the truck couldnt be test driven or sold due to a " part on backorder '' Clear pattern indicating the vehicle was never available for sale, and switched me to another truck, fulfilling a bait and switch XXXX. {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX represented consumer would receive a {$1000.00} incentive only if financing was completed through their preferred lenders This is a widespread multiroof practice used by XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, etc. as this " fiinancing incentive '' is listed under every vehicle on all of their websites exposing massive amounts of potential buyers every day and has already impacted massive amounts as well In the finance office i was handed a contract that states its not a XXXXXX/XX/XXXX up front discount like stated on their website but instead it is actually an incentive that is contingent upon the first XXXX payments being paid consecutively on time, therefore not garunteed and applied after the fact potentially. 
XXXX. Failure to Disclose Known Defects Undisclosed prior accident ( diminished value ). 
Water intrusion/mildew on day XXXX. 
Rear differential leaking. 
SECTION XXXX PRICING, TAX, & FINANCING DISCLOSURE VIOLATIONS XXXX. Inconsistent Sale Prices Across Documents XXXX Application : sale price : {$39000.00} Dealer invoice : Total Cash Price {$43000.00} Retail Buyers Order subtotal beforeXX/XX/XXXX : {$45000.00} Retail Buyers Order total financed after XX/XX/XXXX and XX/XX/XXXX : {$46000.00} XXXX. Inconsistent Sales Tax Calculations ( Based ONLY on user-provided values ) XXXX Application sales tax : {$3100.00} Dealer invoice sales tax : {$2800.00} Retail Buyers Order tax : {$2900.00} XXXX. Conflicting Total of Payments Figures ( Based ONLY on user-provided values ) Dealer invoice total time price : {$60000.00} Huntington original loan agreement total of payments : {$60000.00} Huntington correction letter total of payments : {$60000.00} XXXX. Conflicting Finance Charges ( Based ONLY on user-provided values ) Finance charge on dealer invoice : {$13000.00} Corrected Huntington finance charge : {$13000.00} XXXX. Conflicting Monthly Payment Disclosures ( Based ONLY on user-provided values ) Dealerdisclosed monthly payment : {$830.00} Huntingtoncorrected monthly payment : {$830.00} XXXX. Dealer Instructed Consumer to Alter His Own Contract Huntington directed the consumer to manually change dollar amounts on a previously executed federal disclosure document. 
SECTION XX/XX/XXXX TITLE, XXXX, ODOMETER & REGISTRATION VIOLATIONS TITLE, XXXX, ODOMETER & REGISTRATION VIOLATIONS XXXX. Use of a VOID Power of Attorney ( POA ) POA form states : " This document is void if any information has been left blank. '' All authorization checkboxes are blank. 
XXXX. Registration Filed in Wrong County Consumer lives in XXXX XXXX. 
Dealer filed registration in XXXX XXXX. 
SECTION XXXX BANK LIABILITY ( HOLDER RULE & TILA ) XXXX. FTC XXXX XXXX ( XXXXXX/XX/XXXXXXXX ) The lender is legally subject to all claims and defenses against the dealer. 
XXXX. Illegal PostSigning Disclosure Changes Huntington changed : - Total of payments - Finance charge - Monthly payment - Disclosure schedule without issuing a new contract. 
SECTION XXXX BANK MISCONDUCT, COLLECTION ABUSE & CREDIT REPORTING VIOLATIONS XXXX. Late-Payment Demand Letters Issued During Active Huntington issued late-payment letters while the account was under formal dispute, rescission, and verification. 
XXXX. Repossession-Threat Letter Despite Known Contract Errors Huntington threatened repossession even after admitting the contract contained incorrect disclosure terms and payment calculations. 
XXXX. Inaccurate and Harmful Credit Reporting Entries Huntington furnished inaccurate, contradictory, and derogatory credit information, including incorrect dates opened, false late-payment reporting, inconsistent loan terms, and improper derogatory remarks. 
XXXX. Material Financial Harm : {$20000.00} Loan Denial The consumer was denied a {$20000.00} personal loan directly due to Huntington 's inaccurate derogatory credit entries.

Company response to consumer: Closed with explanation