Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/2025 I took out an individual installment loan with Huntington Bank for {$15000.00} for 60 months with a monthly payment of {$330.00} with a XXXX per cent interest rate. My first payment was XX/XX/2025 and that payment was made through the Huntington online account, although I borrowed the money from Huntington because I have a joint account with my wife there. The payments were being withdrawn from my individual account at XXXX XXXX. On XX/XX/2025 I paid the first payment of {$330.00} from my XXXX account and again on XX/XX/XXXX I paid {$330.00} to Huntington for my loan, but Huntington took two ( 2 ) payments from my XXXX account. I contacted XXXX and told them someone made a mistake and took out a 2nd payment without my consent and XXXX reversed one of those loan payments. Then on XX/XX/XXXX I paid Huntington online again {$330.00} and on XX/XX/XXXX Huntington took a 2nd payment of {$330.00}, again. I contacted XXXX and they reverse the payment of {$330.00} again. During this loan payment period from XX/XX/XXXX thru XX/XX/XXXX there were 3 payments due, but Huntington had taken 5 payments and XXXX reversed 2 payments. All the payments were made before the due date of the XXXX of the month. I never spoke with Huntington about these double withdrawals because I didn't know who was making the mistake. Huntington never called or wrote me regarding this issue. Then something strange happen, on XX/XX/XXXX Huntington deposited {$330.00} into joint checking account that I have with my wife, of course my wife use this account exclusively and I never went into her account. Moreover, my wife didn't know where the money came from so she contacted Huntington notifying them that they have put someone else money into her account and they said they would investigate it and get it resolve. At this time I was unaware of my wife having this issue. Then a week past and my wife told me they had put someone money in her account for {$330.00} and she said the amount seems familiar and I told that is the amount I pay for my loan payment and she contacted Huntington a 2nd time and told them she believes these funds are the property of Huntington or Huntington should have applied them to my loan because at the time she thought since I had paid 3 payments to Huntington there must be a mistake, but we didn't connect the two until XX/XX/XXXX when I received a letter saying I was late on my loan. I contacted the loan department and told them what happen and they were unable to remedy the situation and told me to go in and speak with the branch manager, and he basically said they it was showing that I had 2 non sufficient fund for {$25.00} each and a late fee of {$25.00} for a total of {$75.00} and he couldn't do anything. The manager suggested we contact Huntington and speak with another supervisor and she notated the file and we told her the story and said take this payment that was placed in the joint checking account, incorrectly by Huntington for the XXXX payment, but I am disputing all non sufficient fund fees because I did not have any overdrafts at XXXX because my account was averaging over {$5000.00} at XXXX. I also stated I was not late because Huntington had the funds and applied them incorrectly. Myself or my wife did not instruct Huntington to take the funds that was paid on the loan and place it the joint checking account. The loan payments were paid online with to the loan # XXXX.

Company response to consumer: Closed with explanation