Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
Huntington Bank is holding my {$25000.00} and will not allow me to close the account, access my money, or know the reason for the hold. These are my hard earned savings which I earned through my work as a XXXX  with the XXXX XXXXt through XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

I opened my Huntington checking account on XX/XX/year> and subsequently deposited {$25000.00} on XX/XX/XXXX. The next day, my account access was suddenly locked for unknown reasons so I withdrew most of my money ( {$25000.00} ) back out of the Huntington checking account on XX/XX/XXXX to ensure I don't lose access to my money. 

Later, in XXXX  XXXX ( Around XX/XX/year> ), I visited a branch location of Huntington bank and successfully removed the lock on my account by verifying my identity in person. Although I had previously been residing in Michigan for work, I now reside in California and no longer have access to any Huntington Bank branches. 

Thinking that everything was fine again, I decided to open a second account with them, a high yield savings account with an attractive interest rate. I opened this Huntington savings account on XX/XX/year>, and deposited {$30000.00} shortly thereafter in XXXX  XX/XX/year>. After withdrawing around {$5000.00} from this savings account, I just forgot about it and let my approximately {$25000.00} sit in the account to collect interest. 

I did not use the account often, instead just allowing the interest to earn, as I expressed was my intention upon account opening. 

On XX/XX/year>, I was mistakenly charged a XXXX dollar monthly maintenance fee by Huntington Bank on the checking account because the Bank had failed to correctly connect my savings and checking accounts. This led the bank to erroneously assume that I did not meet the minimum {$25000.00} relationship balance despite the fact that I indeed had over XXXX dollars in my savings. I called customer service numerous times and was either hung up on or the representative refused to acknowledge that there was an error. Finally, I called a branch location and was helped to link my accounts and then I called back and got my refund for the XXXX dollars. However, I did also leave a formal complaint internally with Huntington Bank about the poor service. I am concerned that this complaint may have resulted in retaliatory action by the bank. 

XXXX  in the XXXX  on Saturday XX/XX/year>, I received XXXX back-to-back emails from Huntington Bank stating that both my checking and savings accounts had been placed on hold and might be closed. This is all the information that was provided to me, and I still have not received any updates. I asked to close the account and was told I can not. I was told XXXX not access or withdraw any money. When I asked how long the hold would take, they told me they do not know. I asked why don't they just close the account and they did not know. They just said that if the account is eventually closed in the future, they would mail me a check. 

The bank informed me that there was absolutely nothing else I could do. 

{$25000.00} of my money is in the possession of Huntington Bank and I am unable to access it and have not been given any timeframe or guidance or reasoning. 

I am worried about my savings and I believe I am being treated unfairly and unlawfully, possibly due to retaliatory intentions since I filed an internal complaint with Huntington previously. I am submitting this complaint in hopes that I may secure my hard earned money. If absolutely necessary, I am willing to travel to a branch, but this would be a last resort and totally unfair. I believe that my rights are being infringed upon by this institution. 

A fair resolution would be to allow me to withdraw my money. Another option is to close my account and send my my money immediately. A last resort, though less fair, potentially unlawful, and totally unnecessary would be to allow me to travel to a branch and withdraw my money there. However, if I am required to travel to withdraw my funds I would need reimbursement for travel expenses. 

In all scenarios, I would also expect to be paid the interest that I would have otherwise earned had my money not been on hold.

Company response to consumer: Closed with non-monetary relief