Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Submitted online loan application XXXX with Huntington on Friday XX/XX/XXXX. Was informed during the application process that a human representative would contact within two business days, before the loan was reviewed, to give me a chance to discuss details and provide supporting income documentation, but no outreach occurred. Instead, application was denied without discussion or a chance to provide supporting documentation on the following Monday. The application was allowed to be submitted and a hard credit inquiry was placed, despite Huntingtons policy of auto-rejecting applicants with less than 24 months of self-employment history. Said policy was not outlined during application process. I had more than 24 months of other forms of consistent and same source income at the time to support my application, however. 

Told by loan officer XXXX, whom I contacted at Huntingtons Natl Cust. Svc. Line, XXXX XXXX XXXX XXXX XXXX XXXX  entity who reports hard inquiry for loan is Huntington Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX But, credit report later shows Huntington Mortgage XXXXervices XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX misled me. 

Attempted contact multiple times : certified letter on XX/XX/XXXX, I can see the letter was picked up and signed for on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I sent another letter XX/XX/XXXX to XXXX XXXX address, and 2 more letters on XX/XX/XXXX, and XX/XX/XXXX to XXXX XXXX XXXX XXXXnone of which received responses. Huntington failed to clarify why the inquiry occurred prematurely or why the promised review process was not followed as garunteed and even disregarded. 

I attempted to work this out directly with the bank 5 times, requesting they fix their online loan process to clarify misleading steps, and to either stop promising a phone call by a representative or to follow through on their promises. I also requested the hard inquiry associated with this loan application be removed from my credit report as a gesture of acknowledgement of how my application was disregarded and had not been given a fair look, let alone the misleading statements made during the automated / online loan process. 

Since the bank has made no comments on either request, I am filing formal complaint ( s ) in order to get my desired resolutions. I feel that other banking consumers could or will fall victim to this frankly erroneous system Huntington has going and have unfair hard hits to their credit reports in a similar manner to me. 

I have ( most ) all communications regarding this matter or lack there of, documented. I lost the original letter i sent certified, and i accidentally saved over the 2nd letter. But let it be known, they were sent both to the XXXX XXXX address mentioned earlier. I have attached proof that the 1st letter i sent was picked up/ signed for. 

Huntington has not responded to me via email, phone, or by postal mail about this issue whatsoever even though I tried to contact them 4 times. 

the hard inquiry is still being reported to TransUnion and possibly other bureaus. In my opinion this is outrageous and unacceptable etiquette.

Company response to consumer: Closed with explanation