Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I had a business checking account with TCF in the XXXX XXXX  Minnesota. In 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On XX/XX/2021 I finally had enough energy to check my bank accounts and pay some bills etc. This is when I noticed my checking account had been completely wiped out. My bank card was in my wallet, within my purse, at all times. Including in the hospital BED with me. I spoke with the branch manager XXXX XXXX and immediately disputed all the charges. Also XXXX XXXX my card right then and there in her office. I was told the account itself could not be closed until the problem was resolved and I believed my bank when they told me to leave it open. 

subsequently there were even more charges on the account from said bank card XX/XX/XXXX and XXXX. even though the branch manager shredded the card in front of me. I have print offs of all the fraudulent charges INCLUDING the charges made after the card was destroyed. I have all of the overdraft paperwork that the bank allowed to continue to go through for months after they were supposed to have closed the account. I have my hospital paperwork. I filed 3 police reports for charges made in XXXX, XXXX XXXX, and XXXX XXXX. I would like to add the police officers informed me that ever since Pin numbers they have had more fraud than before. Apparently when we use our 4 digit pin in a credit card machine it downloads ALL OUR INFORMATION into that machine including said pin number. And there are people putting fake scanners over real credit card machines to steal this information and apparently they create duplicate cards. 
I have letters that I sent gave to the bank telling them I am not responsible for this. I have a letter from my lawyer stating where we were at with the case that I gave the bank to let them know how serious this is. And I have letters from TCF/Huntington claiming they would look into my claims, but the dates of the letter show that it is impossible for them to have done that, due to them dating a letter to me on XX/XX/2021 stating they will begin an investigation and then also sending a letter with the exact same date, XX/XX/2021, saying the are done investigating and they believe me gullity. 

I do realize that it has been 2 years since the start of this dispute, however in XXXX of that same year, 2021, so about 2 months after the start of all this. My son who was XXXX at the time playing high school basketball, was taken off the court and any exercXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Had to stop everything I was doing and take care of my son. He was my only concern. We were able to get his XXXX back to full strength with a lot of help from the doctors and education on his XXXX. After awhile I didn't believe I could win against a big bank corporation even though I KNOW I AM NOT A LIAR NOR A THIEF! just recently a friend gave me the information for this outlet with CFPB. And i want my money back and I want that mark off my credit. 

I was a customer of TCF before it was bought by Huntington for multiple years, I believe at least 10. I have never been accused of anything like this and no one in corporate dispute resolution would even listen to me. they just kept pumping out letters proving they weren't even trying to investigate. 
My account was cleaned out of {$3000.00} and then with overdraft fees of {$1100.00} the total comes to {$4200.00}. I have not paid the bank or the creditors the {$1100.00} because I did not rob myself. I almost died and I just wanted to get home to my children and when I finally made it out of that nightmare, all of my money had been stolen and they treated me like a thief and a liar.

Company response to consumer: Closed with non-monetary relief