Complaint Review: HUNTINGTON NATIONAL BANK - COLUMBUS Ohio

I have trhe same issues with Huntington Banks. Over the past few years they have changed how items post to the account allowing for more NSF fees. I think this is how they make ends meet. I have been banking with them for years now and just in the past year have seen differances in how things post. The computer program knows the dates of likely deposits and will rearrange smaller debits and pull posted items out and rearange them to thier benifit. I have taken screen shots of the account and brought in proof of this and they use a "did you follow a ledger" excuse and they tell me that it is common practices. I guess it is common pratice to only return one a year unlike the previous years where normally they would go half way with the fees. I need to find a bank that is not trying to get all of my money.. By the way they said that the conviniance of online banking is a tool but not to use it for actual account info. It told me I had a certain amount in it one day then the next zapped me for NSFs but I hadnt maid any transaction on the account?? They pay thier fees first then your items which increases NSFs. I did not have enouph for the last item but was charged for 2 items..

I just cancelled three acounts with Huntington yesterday. They use a tactic of moving transactions to their benefit. If you deposit a check, they will hold the check until midnight and not apply it to your account. If a charge comes through from using the the debit card, they apply it immediately and if the charge is more than what the balance was before the deposit, they charge you an NSF without any consideration of the deposit made that day. Then they charge the account again when the charge goes from pending. They double charge those NSF fees. They shuffle the timing of the debits and credits to their advantage. If they had processed my check at the time I deposited it, there would have been enough to pay the charge. Then I was unable to get to the bank for 5 days afterwards, they charged me a $37.50 NSF fee, and another $30 fee for it going over 5 days along with another $7.00 a day for being overdraft. The fees ended up over $100. If they had processed my deposit when I deposited it, there would have been enough money to cover the charges in the first place but with them holding the deposits until midnight they come out ahead. This is not the first time they have shuffled their debits and credits to create NSF fees for themselves. Its wrong and unfair business.

I understand that you cannot tell if a check is pending. However, how can the banks cash a check before pending transactions states on your account. in my case on SEVERAL occasions would have not been charges any fees if the pending amounts were posted first. the pending amounts take away from your available balance, not free it up to cash a big check. there going to let the check slide through anyway, so why not make it fair and let the pending go first? it is a rip off and i have been fighting with the banks for months. i refused to pay for there bogus fees and unfair lending practices.

Hello Heather, Usually I only reply to Wells Fargo complaints, but as detailed and lengthy as yours was I wanted to reply to it as well. I think you are right in a number of your statements. I'm not sure how the technology of Huntington Nat'l Bank is arranged, but the Wells Fargo system also does not show pending incoming checks. The only way it shows a pending incoming check is if the person or business you wrote it to actually brings the check to a branch and either cashes it, or converts it into a cashiers check. At that time a memo-post notation is made on your account, and the funds are reduced from your available balance. Otherwise that check won't show until the morning of the next business day. As far as the $800.00 cash deposit...Typically if your overdraft is due to a bank error, any fees that were charged to you would be waived. Remember this applies if is a bank error. And many times depending on your overall relationship with the bank or financial institution, there are some cases where you would have a fee waived even if it wasn't a bank error. Like I said, it depends on your overall relationship, account history, etc. As far as cashing or depositing your check, typically a deposited check is made available the next business day. Cashing or paying items against an insufficient acct balance? Yes, in some cases it is done as a courtesy according to the persons acct history. I have seen many customers that are actually happy that we covered an item for them vs being charged.....a $34 OD fee, a $34 returned item fee, and probably a $30 NSF fee from the merchant. Had the bank paid the check and overdrew your acct, then you would just get the OD fee of $34.00..instead of $98.00. You might want to consider a credit union for your financial needs. As I understand they are alot more friendly with fees. Best of luck.

As an ex employee I can relate that they do love those fees. I was always the one refunding them because I felt that most of them were unnecessary. I often felt sorry for the people that would come in and ask for refunds and then I would have to turn them down. Now they have tiered NSF which start @ 17.50 up to 32.50 and still 7.00 per day overdraft for each day the account is negative.Your best option is a pre-paid card. I have two and I love them.

As an accountant, please tell me, how is any bank supposed to know that you have pending checks that have not hit your account? If I write a check today and the person I wrote it to does not cash it for weeks, how can the bank possibly know that?