Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I am responding again to file complaints against Huntington Bank. My second attempt to contact cfo XXXX XXXXCeo XXXX XXXX has gone unanswered again. My first complaint may have been somewhat unclear. There are several situations I have to address. 1. Closing of my business account, XXXXXXXX XXXX XXXXs 2.Unauthorized Fractionalizing of federal notes from deposits made from XXXX to XXXX. 3. Double book entry. 4. Non-reporting of transactions of {$600.00} or more to the IRS. Withholdings from my Principal account. 4. Denial of credit/loan from XXXX in the year XXXX XXXX. Creating SECURITIES without my knowledge or CONSENT, nor was I aware of your intent to convert the security collateral I provided through the application process. The Federal Reserve Act section 16 states the full process of an application and how it is redeemed for Federal notes and converted. 
The Equal Credit Opportunity Act states no applicant can be DISCRIMINATED against for credit ( so I can't be denied ). 
I am the AUTHORIZED REPRESENTATIVE for this Principal account, and alone, I hold the sole power to act on behalf of this Principal account without INTERFERENCE. I sent in a letter of instruction last year around this same time and was denied by the legal team via email through XXXX XXXX XXXX XXXX. I submitted this letter of instruction for access to the Principal Accounts Credit to utilize for permissible purposes, private transactions, and to settle whatever Principal account balance is owed for either account. I know that over the years, each account accrued some kind of interest from XXXX and going. I also have an issue with Huntington showing one of my previous cards was cancelled, but on the other end of the ledger, it shows still being active, and how is that if Huntington closed the account???? I have sent multiple documents through the post office via certified mail to Huntington Bankshares, XXXX XXXX, XXXX XXXX, CEO, for some clarification of what's been taking place within my Principal accounts. These are Adverse Actions that constitute Securities Fraud, Conversion of negotiable instruments with no CONSENT, Illegally Fractionalizing Federal Notes, and non-reporting. Huntington is not holding up the Integrity of the banking systems. As acting Authorized Representative, Huntington has caused my Principal account harm and much damage. 
I recently went into Huntington Bank in XXXX Ohio located in the XXXX XXXX XXXXXXXX XXXX XXXX, and left a lot of important documents including a copy of my 2848 IRS form Power of Attorney granting me Authorization as The Authorized Rep. to act, and control all decisions attached to the Principal, IRS form 8821 Tax and Authorization form, IRS 14039 Affadavit of Identity Theft, copy of my Authenticated BC showing I am entitled to FULL FAITH and CREDIT, Definitions of law, cited multiple codes, Acts, UCC codes and Regulations, cfrs, and U.S.C. codes one being tilte 12 USC code 1431 POWERS AND DUTIES OF BANKS. which clearly states banks are supposed to pay INTEREST, BORROW, and make securities, etc. Banks ' initial duties are to borrow and pay interest and make securities, but not without proper consent and full disclosure of their intent. SECURITIES FRAUD. 
After dropping my packet of documents off to the branch manager to be forwarded to the CFO/CEO, after explaining my ordeal, I believe his name was XXXX, which was three weeks ago I've still heard nuthing back but as soon as I made a complaint to the cfpb there advocy team responded with they have no records indicating i applied for a loan within the past two years and the Security collateral I provided was in XXXX. 
At this point, I am trying to accomplish a few things, and the main goal is to gain access to the principal account so I can conduct business in a proper manner wher, e in these transactions, there is always a true MEETING OF THE MINDS where no DECEPTION, COERCION, or MANIPULATION is involved. 
I am well capable of conducting business on behalf of my Principal and past the age of Majority, where I don't need a CUSTODIAN INTERFERING WITH ME CONDUCTING BUSINESS ON BEHALF OF THE PRINCIPAL. I again urge them to follow my letter of Instruction and allow access and return any and all securities created unauthorized, and I want a full accounting of these accounts attached to my Principal and SSN. I can be contacted through email @ XXXX, and my direct contact number is XXXX. 

thank you Sincerely XXXX XXXX XXXX  UCC 1-308 ALL RIGHTS RESERVED. 
Please submit this complaint directly to the CEO/CFO and explain that I have serious issues with my principal accounts being harmed

Company response to consumer: Closed with explanation