Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Subject : Formal Complaint Against Huntington Bank for Unjustified Obstacles in Accessing My Deceased Mother 's Account Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Huntington Bank ( www.huntington.com ) for their ongoing mishandling of my efforts to access my deceased mother 's account. Since her passing in XX/XX/year>, I have been battling with the bank for XXXX months to withdraw funds from her account, for which I am a beneficiary along with my XXXX siblings. 

Throughout this process, the bank has continually imposed arbitrary and confusing requirements, leading to significant time and financial burdens for my family. Below is a summary of the troubling experiences I have encountered : Initial Request for POA : When I first reached out to the bank to inquire about accessing my mothers account, they requested a Power of Attorney ( POA ). However, the POA I provided was rejected without a clear explanation. 

Revised POA : The bank asked for a revised POA with different language, which I complied with. After submitting this, they then claimed it was not possible to withdraw funds separately, insisting that all XXXX beneficiaries must be present at the bank simultaneously. 

Logistical Impossibility : The requirement for all of us to be physically present at the same time is an impossible task, given that we live in separate areas of the country. This has led to substantial financial strain, as it would require spending thousands of dollars on airfare to withdraw a relatively small sum ( {$11000.00} ) from the account. 

Conflicting Information from Bank Representatives : After months of requests for clarification, we were told that the POA was no longer necessary. Instead, we were instructed to submit a notarized letter. This inconsistent and contradictory guidance has caused ongoing confusion and delay. 

Financial and Personal Strain : My sister had to fly from New York twice, incurring unnecessary expenses, while I have had to create XXXX separate POAs, which has been both costly and time-consuming. 

Unresponsiveness and Contradictory Communication : Despite multiple attempts to resolve the issue through emails and phone calls with bank managersXXXX XXXX, XXXX XXXX ( XXXX XXXX, MI ), and XXXX XXXX have received conflicting information and a lack of meaningful response. It seems that each representative provides different instructions, further complicating the process. 

Huntington Bank 's arbitrary internal rules, which appear to have no legal basis, are severely impeding our ability to access my mother 's account and close it. I am frustrated and disappointed by the lack of resolution despite our diligent efforts over the past several months. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and hold Huntington Bank accountable for their failure to provide clear, consistent, and reasonable instructions for accessing my deceased mothers account. I have attached any relevant documentation that may assist in resolving this issue. 

Thank you for your attention to this matter. I look forward to a timely resolution. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation