Huntington Overdrafted My Account and then Charged ME Additional Overdraft Fees
Posted Wed October 26, 2011 11:17 am, by Alyssa G. written to Huntington Bank
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I recently stopped using Huntington Bank as my primary bank because the speed of my direct deposit was extremely slow. Every week I would get my check automatically deposited on Thursday, and the funds were never available until Saturday. Any time I made a transaction it would take days to go through, so I switched to another bank that is much faster. I kept some funds, less than $30, in my Huntington account just in case. I never used these funds, and left them stagnant for several months after I had changed my direct deposit location.
One afternoon I opened my monthly statement to find that my account balance had decreased significantly. I checked it out, and it appeared that Huntington had charded me a $15 fee! I immediately called customer support and was told that this was a one time fee for moving my direct deposit, since I had a Huntington At Work Checking account. I could live with this, but it still really put me off even more with your bank. I started using my debit card to get rid of the funds I still had remaining so I could easily close my checking accounts. As it always does, life happened and I was unable to make it to Huntington until one month later.
I went to close my account during my lunch break, because Huntington is only open until 4:30 PM in Bellefontaine Ohio (and I work until 5:00 PM. I waited approximately 20 minutes to speak with the personal banker. When I finally met with him, I explained that I wanted to close my account and get my remaining account balance refunded to me (Less than $1 in a checking and $1 in a savings account. He then told me that it would be no problem, but I would need to clear out my account balance by paying the $63.78 that was owed to Huntington for overdraft fees!!! I WAS SHOCKED! Apparently, it was NOT a one time fee that I was charged as I was told by Huntington Customer Serivice. Not only was I charged the fee again, it over-drafted my checking account. In addition, for every day that I left my account in over-drafted status, I was charged a $7 fee! I was paying $64 in fees that I didnt even rack up! My Personal Banker said that Huntington did not even have this type of account (Huntington at Work) anymore, so there really was nothing I could do.
When I said to the "Personal Banker" gentleman who was closing my account that this was outrageous, he said that I should really pay more attention to my accounts to know what was going on with them. I was extremely upset. I KNEW how much money I had in my account, so I didnt need to pay more attention! Huntington is who charged me these fees and sent my account into overdraft! I handed him my debit card (from another bank - Ally) to pay for the charges and just be done with it, I was so sickened by what was happening. THEN He stated that there was no way they could take my debit card, and I would have to provide another way to pay. Our Conversation went as follows:
Him: "There is an ATM outside that you may go to to get cash to pay for this."
Me: "The ATM outside that everyone drives through?"
Me: "You want me to go get in my car and drive through the ATM and then park, come back in here and pay for these charges that I didnt rack up?"
Him: "Well, you don't have to get in your car.. you can just walk up to it. There shouldnt be too many cars out there at lunchtime."
So walk outside and use the ATM I did. I stood in line (literally walked through the ATM line) with one car in front of me and two behind me. I was humiliated. Finally, I walked back inside and paid the fees.
This is the worst experience I have ever had at a bank and I will NEVER do any business with Huntington Bank again.
I would like Huntington to repay me the $63.78 in fees that they charged me. In addition to these fees that put me below $0.00 there was the first additional $15 fee as well.
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