Consumer complaint received 2026-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
This complaint is for XXXX mortgages, it did not give me an option to put in more than XXXX account number, the account numbers are as follows : XXXX XXXX XXXX All three properties were purchased in XX/XX/XXXX with the following totals : XXXX property in XXXX XXXX property XXXX XXXX financed {$45000.00} Monthly Payment {$300.00} XXXX XXXX XXXX XXXX {$99.00} Total Payment {$400.00} Monthly Payment {$1000.00} XXXX property in XXXX XXXX property in XXXX XXXX financed {$42000.00} Monthly Payment {$280.00} XXXX XXXX XXXX XXXX {$100.00} Total Payment {$390.00} Monthly Payment {$1000.00} XXXX property in XXXX XXXX property in XXXX XXXX financed {$49000.00} Monthly Payment {$330.00} XXXX XXXX XXXX XXXX {$100.00} Total Payment {$440.00} Monthly Payment {$1000.00} These payment totals began to fluctuate after XXXX paid out an insurance renewal payment for all three properties on each individual loan. On XXXX XXXX paid out {$3500.00} on each loan, this amount should have been split between the XXXX loans. Generating an escrow advance of XXXX on each individual loan. ( I am getting this information from an escrow activity statement that I requested on all three properties, I have only received XXXX ) So these totals are for XXXX XXXX, they might be slightly different on the other XXXX loans. These totals were not brought to my attention for several months after this mistake. 
In an attempt to clarify your mistake, I have spent HOURS and HOURS and HOURS on the phone with reps who havent got a clue. Each time I called, I would have to explain this entire process, go through it all on each of the XXXX loans, then to never get called back, transferred between departments, sitting on hold, calls dropped, ( thats always a fun one when the calls get dropped and you have to start all over again ), sent to supervisors who said they would call back, and never did. Visits to the local branches, where there are only tellers, and no one with mortgage knowledge. At XXXX point a teller got my email information, so a mortgage XXXX can contact me, I never hear back from them, I went back into the bank a few weeks later, and she had taken down my email incorrectly. WHAT! In the meantime, my payment on this property has now gone up to {$560.00}, ( and the increased amount has also happened on both of the other property loans ) which I know taxes and insurance have increased, so I just start paying these new elevated amounts. I believe they have corrected the mistake and the increased payment is just for increased taxes and insurance. After this first incorrect insurance payment, the insurance company sent me a check for {$6700.00}, of which I paid back on the loans at XXXX payments of {$2200.00}. At this time, I think all is good. 
Then on XXXX the same thing happens again on all three loans!!!! The exact error, in the exact way, and again it is months before I realize this happened. In XX/XX/XXXX I go to a local branch, and finally get in contact with a branch XXXX XXXX XXXX, who finally takes the time to listen to me. She is able to contact someone that might also be able to shed some light on this, but says her hands are tied that she can not help me. When I see her, the payment is due soon, and now the payment is up to {$2000.00}! She suggests that I hold off on paying until it is resolved. She refers me to the mortgage XXXX at the branch, who gets back with me many days later and says he cant do anything to help. So now I am back at the mercy of the XXXX phone number again. I go through an incredibly rude phone rep who finally gets me to a supervisor. She hears me out, but offers little resolve. She suggests that I ask for copies of the escrow activity and check it out myself. I request this and only receive XXXX out of XXXX. She also transfers me to someone to remove the late charges that are now piling up. He says he will remove the late charges, and so far, this has not been done. 
At this point I think the payment should be {$560.00}, my online XXXX account it says {$1000.00} is due, and I notice there are payments made for {$1000.00}, and I get a statement in the mail that says {$2000.00} is due. Seriously, how could someone possibly keep up with all of this. 
When going through this escrow activity statement, it is flooded with terms like principal only payment, principal curtailment, misapplied funds, escrow advance, misapplication reversal. It is an absolute mess! I can only speculate that when these misallocated funds are getting distributed back, they are going back to the principal which continues XXXX XXXX the payment up. It is disturbing that out of all of this XXXX XXXX has been the only person from XXXX that could see that a {$1000.00} payment on a {$44000.00} loan just doesnt seem right. 
I am so fed up at this point ; I called my insurance company and said that I will just pay the new premium out of my pocket instead of escrow. So, I do, and before I even receive the escrow waiver papers in the mail, now the escrow also charged me {$770.00}, for the insurance premium. ( On all three loans ). 
I called again on XXXX and left a message with the escrow department and as of yet, noone has returned my calls. 
The mortgages are now up to about {$1700.00} on each... again I remind you it is a {$44000.00} loan! 
Please help!!!!!!!!

Company response to consumer: Closed with non-monetary relief