Consumer complaint received 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
At the time Huntington Bank was offering a promo for signing up for a new checking account that you would receive {$400.00} for opening a new account if you did all of the following : Open a new Huntington Perks Checking account during the promotional period between XX/XX/XXXX and XX/XX/XXXX. 
Eligible checking account for this offer is : Huntington Perks Checking.

Set up and receive total qualifying direct deposits of {$500.00} or more into your new checking account within 90 ( ninety ) days of account opening. Qualifying direct deposits are regular, periodic automated clearing house ( ACH ) credits, which may include payroll, salary, pension or government payments ( such as Social Security ). 
Payments through the Real-Time Payments ( RTP ) network, and payments through peer-to-peer networks such as XXXX, XXXX, XXXX or others do not qualify as direct deposits.

Maintain an open account status in an eligible consumer checking account for 90 days from account opening.

The bonus will be deposited into your new checking account within 14 ( fourteen ) days of meeting the promotion requirements stated above. Your checking account must remain in an open status in order to receive the bonus.

I made sure I did all of those and I was a new customer never having had a Huntington bank account. Everything is going well I signed up for online banking and then I set up my first direct deposit ACH transfer to my checking account. It was a direct deposit automated clearing house Deposit for {$500.00}. It took about two or three days to land in the account and I only know this because as soon as it did, I was unable to open my account online.

I tried resetting the password nothing worked. So I go into a branch and ask whats going on with my online account. Then the gentleman goes on to explain that my account had been closed. I asked him why and he said he doesnt know why it just was. I said there are no detail details or anything explaining why this was closed. He said no I said well do I have my money in there and he said yes you have {$500.00} that cleared via
ACH deposit and I asked if I could have that money and he said yes you can take it but your account is closed. 
Now, Dont know why they close it to this day, but I have a strong suspicion that it involves the {$400.00} bonus. Because if you look at all the conditions I met all of them except for having the account open, which was not my choice to close. By them closing my account, they denied me the {$400.00} bonus for having a qualifying direct deposit ACH deposit. 

I was very thorough to make sure that I followed all the guidelines to qualify for the {$400.00} bonus of making a new account and having a qualifying direct deposit of {$500.00} or more within the first 90 days. Thats all I did. I opened an account I made an online banking account with the bank I set up a {$500.00} qualifying direct deposit using automated clearinghouse a.k.a. ACH. The {$500.00} transferred over the course of three days approximately and once in my checking account, I was no longer able to access my online account not knowing I had been essentially kicked out of the bank. I go to a local branch to discover that my account is closed with no explanation. I also asked the gentleman if I could have the {$400.00} bonus and he said no because my account was closed and had to be open for 90 days and stay open for 90 days. 

I will post documentation to support everything Im saying in terms of their words I dont have any documentation from them in terms of statements because I enrolled in paper free and after that they locked me out, so I have no access to my statements unless I go and request them from the bank, which I might do today. I believe I should be compensated {$400.00} immediately thats it thats all I want is my {$400.00} XXXX understand that they may be upset because I figured out a way to use their promo to get it. I didnt do anything illegal deceptive nothing I just looked into all of them Meticulously crafted rules that they set up to make it so you cant get these promos and I made sure I followed them. I following the rules they made me break one by closing my account against my will, therefore I could no longer qualify for the promo because I technically broke a rule because they broke it for me. Had it been up to me? I wouldve left the account open for 90 days and waited 90 days for the {$400.00} however I do expect a check for {$400.00}. I am using this as a first attempt to avoid court, thank you.

Company response to consumer: Closed with explanation