Consumer complaint received 2023-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
In XXXX of XXXX, after filing my income tax for XXXX, I received my tax return from XXXX XXXX  XXXX XXXX and noticed the bank account number was incorrect by one number. I notified TCF Bank immediately, by calling the customer service line, and informed them of the situation. I was told that if the account number did not match with my name the money would go back to the IRS, and the IRS would issue me a check. I also called XXXX XXXX  XXXX XXXX informing them of the situation, and their customer service center said it could take as long as 120 days for the IRS to issue a refund check. So, I waited 120 days. By XXXX of XXXX, I still did not receive my tax refund checks from the IRS or the state of MI. I also never received my child tax credit checks. 
The first week of XXXX I entered TCF Bank, in XXXX XXXX XXXX MI, and spoke to a bank teller regarding my situation. I explained that it has been over 120 days and I still have not received my tax refund from the IRS or the state of MI. I was told by the teller, and then the bank manager, that the bank would reject the electronic check if the account was wrong, and did not match with my name, and to contact the IRS. I was also told the bank doesnt make mistakes and their computer would have rejected the check, because the name and account did not match, and send it back to the IRS . XXXX XXXX also filled out and sent several 3911s to the IRS on my behalf. 
I was able to get an answer about what happened to my electronic check from the state of MI. I was told the bank, TCF Bank who didnt make mistakes, accepted my state of MI tax refund check for XXXX  taxes! By the time I found out what happened to all my refund checks, TCF Bank was bought out by Huntington Bank. I called Huntington Bank, XX/XX/XXXX, and spoke to a bank manager. I told her what happened, and she helped me get my XXXX Child Tax Credit money placed into my account. She told me she would send my information to an investigation committee. 
After another week had passed, I went into the bank again and spoke to a manager and was informed that the money, all my tax refund checks from the IRS, XXXX dollars, and the state of MI, XXXX dollars, did go into the wrong account, and they were trying to contact the customer who received the money, I repeatedly told the bank, beginning in XXXX of XXXX, the account was incorrect, and I filed several 3911s with the IRS. My child tax refunds continued to go into the wrong account in XXXX, XXXX, XXXX, XXXX and XXXX even though the bank was informed of the account error in XXXX and numerous times after informing them in XXXX. A total of XXXX dollars in Child Tax Credit was deposited into the wrong account. 
The state of MI sent me my refund in XX/XX/XXXXXXXX  for tax year XXXX, but I still did not get my tax refund from the IRS for XXXX. XXXX XXXX XXXX XXXXXXXX attempted to contact the IRS on my behalf several times with no success. I received a letter from the IRS stating I owed the IRS XXXX dollars from the Child Tax Credit that I wasnt suppose to receive. I NEVER received all that Child Tax Credit money. It went into the wrong account at TCF bank and then Huntington Bank! 
On XX/XX/XXXX, XXXX XXXX from Huntington Banks corporate office in Ohio called me and stated that I needed to work with the IRS, and he indicated that their bank had no liability. I also received a letter from XXXX XXXX, customer advocacy of Huntington Bank, stating that XXXX has exhausted all options to retrieve the funds. They also stated they would cooperate with law enforcement. I called the IRS again and they told me they could not help me until the bank returns the funds. 
The person that received my funds is being allowed to keep those funds, which total XXXX dollars. 
I hope you are able to help me resolve this complicated matter. My Huntington Bank Case # is XXXX.

Company response to consumer: Closed with explanation