I opened this account for a feature I never hope to use. If you overdraw your checking account they alert you (text and/or email) and you have a day to fix it before an Overdraft fee is charged. Love it.
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I used Huntington National Bank (HNB) for a loan I took out for my car. I paid the loan for about 2 years until I built up enough money to pay-off the loan in full.
I called the bank to pay-off the laon and all was good. I told them that I am taking the payment out of a seperate account than I had been using from my monthly withrawls. The representative took the new account information and repeated it all back to me with the amount that would be withrawn from the new account. She reassured me that the amount would not be taken out of the account I had previoucly been billed for. All was good ... until 1 week later. I looked at my account and I have -$500. The representative had taken the pay-off amount from the WRONG account and over withrew from the account she and I confirmed it would NOT be taken out of. After 2 long hours on the phone with Huntington filing a dispute, they listened to the recording from the conversation I had with the rep. and apologized ... after being rud eto me over the phobe. At one point the manager said, "I'm sure our representatives would not take down the wrong information." Well, sorry buddy THEY DID.
Finally, I received my money back. Of course HNB was so disorganized, they credited my account AND sent a check (real smart).
I thought all was good, until 2 weeks later a larger amount was taken out of the account AGAIN, WITHOUT my authroization.
I fought again on the phone, mind you I have an 8-5 job, so this was quit disruptive.
I went to my bank to dile a dispute and charge them for the over draft fee.
Three weeks later, I FINALLY have my money back AGAIN.
Now I can pay-off the loan and I ask to have the amount reduced tot he original pay-off amont they messed up in the first place. The rep. confirms wt will be that amount. low and behold ... it was not the amount taken out of the account and I have to file my THIRD dispute.
It's still ongoing ... and yes, I'm still waiting for them to reimburse the $35.00 over withrawl fee.
Huntington Nationla Bank is a JOKE and their Customer Service is rude and irratating.