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Business Profile

Bank

The Huntington National Bank

Headquarters

Complaints

This profile includes complaints for The Huntington National Bank's headquarters and its corporate-owned locations. To view all corporate locations, see

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The Huntington National Bank has 1475 locations, listed below.

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    Customer Complaints Summary

    • 1,067 total complaints in the last 3 years.
    • 337 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:04/12/2025

      Type:Customer Service Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      ***** check has cleared but being held due to account hold

      Customer Answer

      Date: 04/14/2025

      Needed info

      Business Response

      Date: 04/14/2025

      The Huntington National Bank
      Customer Advocacy Team ******
      P.O. Box 1558
      ******************
      April 14, 2025
      BETTER BUSINESS BUREAU
      *******************************************************************
      Re: BBB Case #: ********
      Huntington Case #: ********
      Dear ********* **********,
      Thank you for contacting The Huntington National Bank (Huntington). We are writing in response
      to the complaint you forwarded to us regarding ****** ***** which we received on April 14, 2025, for
      review.
      Please accept this correspondence as our confirmation that we have received the expressed concerns
      forwarded by your office. We thank you for making us aware of this matter. Please be assured that we will
      contact our customer promptly to acknowledge the complaint, and upon completion of our review, will
      provide our response directly to our customer by telephone and/or written communication.
      If you have any questions, or need further assistance, youre welcome to contact us at your first
      convenience.
      Sincerely,
      The Customer Advocacy Team
      **********************

      Customer Answer

      Date: 04/17/2025

      [If you do not say why you are rejecting the company's response, BBB must close your complaint.] 

      Complaint: 23195729

      I am rejecting this response because: 
      Ive still yet to receive my money and this day 10 now bills are too be paid nothing wrong on my end funds have been released already not returned ! Just want to go to bank get my money out this hold is long past due 
      Regards,

      ****** *****
    • Initial Complaint

      Date:04/10/2025

      Type:Service or Repair Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      A few years ago I disputed a stay at a hotel in *******. The **** merged and my dispute was mishandled. I received a temporary credit. My case was closed without an investigation. This left me with a negative balance by the time of its closure. The balance sat on my credit report for over two years! This year when I received my taxes; I was not sure whom to trust. Capital One was hacked so I went back to Huntington to see if they would open my account. They did. THERE WAS NO BALANCE. There were no messages that I owed anything from new account. Two days after my taxes were wired $2K was STOLEN from my account to pacify the debt from two years prior. I want every ***** refunded into my account and forgiveness of my debt. I loved my bank; but you did not fight for our family. You should have warned my account so I could decide how to proceed. Your actions were criminal.

      Business Response

      Date: 04/11/2025

      The Huntington National Bank
      Customer Advocacy Team ******
      P.O. Box 1558
      ********************


      April 11, 2025

      BETTER BUSINESS BUREAU
      ********************************************************************


      Re: BBB Case #: 23185521
             Huntington Case #: 01891033



      Dear ********* **********:


      Thank you for contacting The Huntington National Bank (Huntington).  We are writing in response to the complaint you forwarded to us regarding ******* *******, which we received on April 11, 2025, for review.

      Please accept this correspondence as our confirmation that we have received the expressed concerns forwarded by your office.  We thank you for making us aware of this matter.  Please be assured that we will contact our customer promptly to acknowledge the complaint, and upon completion of our review, will provide our response directly to our customer by telephone and/or written communication.

      If you have any questions, or need further assistance, youre welcome to contact us at your first convenience.

      Sincerely,
      The Customer Advocacy Response Team
      ********************************************* Bank

      Customer Answer

      Date: 04/14/2025

      [If you do not say why you are rejecting the company's response, BBB must close your complaint.] 

      Complaint: 23185521

      I am rejecting this response because: they are not accepting any responsibility towards my account. 

      Regards,

      ******* *******
    • Initial Complaint

      Date:04/08/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.

      I was charged 3 different times on my voice credit card charges I didnt make so I did receive items, but I put return to sender on these items and I have tracking numbers to prove that in the bank is charging me withthese items and Ill list the amounts below!

      Huntington national Bank is allowing charges on my credit card that I refused items were sent to my home so I refuse delivery and I have trackingnumbers for these items. Huntington national Bank is still charging for these items that were refused by me and sent back to the merchant, Huntington ***** is still charging for these items that I did not make And I do not have my possession. Im to get a full refund for each item.

      Huntington Bank is not giving me refunds back on items. I did not order and items that I put return to center because I did notmake the purchase and I have proof of that. This one will be $427. I put return to sender on this item And Huntington Bank is still trying to charge me for the item. I contacted the **************. The item was delivered back to the seller on March 1 at 1:28 PM as you can see by the tracking it still has my name attached to it because I put return to sender on it so the merchant does have the item like the postmaster said it cant be in ******* and an AKRON on the same day so the is misleading you saying she did not get it when she absolutely did get the item. Huntington Bank is signing with her and not me. I refuse the package as you can see that when you track the package., again Huntington Bank is siding with her and not me. I dont have the item I want my money back.

      Business Response

      Date: 04/08/2025

      The Huntington National Bank
      Customer Advocacy Team ******
      P.O. Box 1558
      ********************


      April 8, 2025

      BETTER BUSINESS BUREAU
      ********************************************************************


      Re: BBB Case #: 23174857
             Huntington Case #: 01887791



      Dear ********* **********:


      Thank you for contacting The Huntington National Bank (Huntington).  We are writing in response to the complaint you forwarded to us regarding ****** ******, which we received on April 8, 2025, for review.

      Please accept this correspondence as our confirmation that we have received the expressed concerns forwarded by your office.  We thank you for making us aware of this matter.  Please be assured that we will contact our customer promptly to acknowledge the complaint, and upon completion of our review, will provide our response directly to our customer by telephone and/or written communication.

      If you have any questions, or need further assistance, youre welcome to contact us at your first convenience.

      Sincerely,
      The Customer Advocacy Response Team
      **********************

      Customer Answer

      Date: 04/09/2025

      [If you do not say why you are rejecting the company's response, BBB must close your complaint.] 

      Complaint: 23174857

      I am rejecting this response because: 

      I have more proof to show you because Huntington Bank is not working with me. Im getting my money back. I want to thank you very much forhelping me. Im hoping to get all the tracking numbers that I have for you and the proof that I have for you today I did forward everything Huntington Bank. They have not credit my account as of yet everybody loves the Better Business Bureau Im hoping to get all three purchases returned me for the money that Huntington Bank has done nothing about so I have some more proof for you. This tracking numbers are all through **** *************** Tracking number ********************** has been delivered to the sender , $427.00, tracking number ********************** is in route to the sender $1,28655 Tracking number ******** ************** was returned back to the sender $399.00 all the amounts that I just listed is what Huntington national Bank needs to adjust off of my account and they have not done so as ofyet, the $1285.55 was refused by me, the $427 was refused by me and sent back to the person, at $399 I had to purchase a label. It has been delivered back to the person. I will show you the uploads of the **** tracking.I dont understand why Huntington Bank will not do anything about this.

      Regards,

      ****** ******

    • Initial Complaint

      Date:04/04/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      So, I have a bank account with **********************. I had the same debit card and account number for quite some time. On Saturday March 22nd, 2024, I was working and I got one of Huntington's "heads up" text alerts about a debited transaction of $30~ for this website called truth finder? Never heard of it ever. Then a 2nd debit transaction for $8~ for the same website. So I logged into my Huntington Bank mobile app; locked my card until I was done working so I could look into it further. After work, I did some digging, I never heard of the site, never used it. So I called Huntington Bank's customer service # to report the fraud. They suspended that debit card (#) and issued me a new debit card (new #'s), mailed to me. I got that card by Friday March 28th 2025. I activated it. I assumed all good. Huntington never did give me back the $30~ +$8~ from them 2 fraudulent charges from 3/22/2025. Anyway, Thursday April 3rd, 2025. I am sitting watching tv at 9:12 pm and I get a text from Huntington "heads up" alert about a reversed transaction of $30.65 from a ****************** in ********. (twice). I am in ****....then at 9:16 pm I get another text from Huntington saying "is this you? a charge at *************** Goods for ******. I text back "no" so they said "we suspect fraud, your card has been locked" (the very new card I JUST got Friday 3/28). Call our fraud prevention at this #: xxxxxxx. Okay I tried; several times, it says "due to high call volume we cannot take the call, then hangs up!".. I tried calling many times; same recording. I am going directly to the bank tomorrow morning when they open. I am HIGHLY unsatisfied with this bank. They MAJORLY went downhill over the years. It baffles me a brand new card #/debit card I barely used in under a week is "hacked" again & I cannot contact anyone within their fraud department! Again I didn't get the $30~ + $8~ from the last fraud attempt on 3/22/2025. Luckily this time they didn't actually "take money" on 4/3/2025.

      Business Response

      Date: 04/04/2025

      The Huntington National Bank 
      Customer Advocacy Team ****** 
      ******* 1558 
      ********,**** 43216 


      April 4, 2025



      BETTER BUSINESS BUREAU 
      1169 DUBLIN RD. 
      ******** OH 43215 

      Re:BBB Case #: 23159225
           Huntington Case #: 01885178


      Dear ********* **********: 

      Thank you for contacting The Huntington National Bank (Huntington).  We are writing in response to the complaint you forwarded to us regarding ****** *******, which we received on April 4, 2025, for review.  

      Please accept this correspondence as our confirmation that we have received the expressed concerns forwarded by your office.  We thank you for making us aware of this matter.  Please be assured that we will contact our customer promptly to acknowledge the complaint, and upon completion of our review, will provide our response directly to our customer by telephone and/or written communication.  

      If you have any questions, or need further assistance, youre welcome to contact us at your first convenience. 

      Sincerely, 

      The Customer Advocacy Team 
      ********************** 
    • Initial Complaint

      Date:04/03/2025

      Type:Customer Service Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Monday 3/18/2025 I called Huntington Bank ************ about a loan that Kings ****** car lot talked me into saying that Huntington Bank can do better than my credit union. Huntington Bank cost me way more money. The lady said that nothing she can do. I not only got charge way more money on stacked up fees than what my credit union would of charged me but also over $5,000 in three extended warranties. Which the car lot said that will take back off but would not give me proof while I was at the dealership. Said will email document to me to sign. Never did. The lady at Huntington Bank was no help. She did say that I will be paying interest on the money until it was taken off. But yet would not do anything to solve the problem

      Business Response

      Date: 04/04/2025

      The Huntington National Bank 
      Customer Advocacy Team ****** 
      ******* 1558 
      ********,**** 43216 


      April 4, 2025



      BETTER BUSINESS BUREAU 
      1169 DUBLIN RD. 
      ******** OH 43215 

      Re:BBB Case #: 23158894
           Huntington Case #: 01885155


      Dear ********* **********: 

      Thank you for contacting The Huntington National Bank (Huntington).  We are writing in response to the complaint you forwarded to us regarding ***** *******, which we received on April 4, 2025, for review.  

      Please accept this correspondence as our confirmation that we have received the expressed concerns forwarded by your office.  We thank you for making us aware of this matter.  Please be assured that we will contact our customer promptly to acknowledge the complaint, and upon completion of our review, will provide our response directly to our customer by telephone and/or written communication.  

      If you have any questions, or need further assistance, youre welcome to contact us at your first convenience. 

      Sincerely, 

      The Customer Advocacy Team 
      ********************************************* Bank 
    • Initial Complaint

      Date:04/03/2025

      Type:Service or Repair Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.

      I set up an agreement with Huntington bank on 3/21/25 to have automatic payments taken out of my account on 3/28/25 and 4/7/25 to catch up payments on my loan. After payment did not pull on 3/28/25, I contacted the bank and they informed me it would not pull automatically because I did not provide a wet signature. In response, I made a manual payment.

      The money did end up being automatically taken out of my account leaving me with only $25 in my checking account. When calling to ask for a payment back, I have been told multiple different things from different agents and that the automatic payment I made was posted to another individuals car loan.

      It is now 4/3/25 and I have called every day for the past 4 days with no help. I am told that I should be getting 435 refunded and the money moved from the wrong loan to my loan which still has not been completed.

      Business Response

      Date: 04/03/2025

      The Huntington National Bank
      Customer Advocacy Team ******
      P.O. Box 1558
      ********************
      April 3, 2025
      BETTER BUSINESS BUREAU
      ***************
      *****************
      Re: BBB Case #: 23154874
      Huntington Case #: 01884126
      Dear ********* **********:
      Thank you for contacting The Huntington National Bank (Huntington). We are writing in response to the
      complaint you forwarded to us regarding **** C. *****, which we received on April 3, 2025, for review.
      Please accept this correspondence as our confirmation that we have received the expressed concerns
      forwarded by your office. We thank you for making us aware of this matter. Please be assured that we
      will contact our customer promptly to acknowledge the complaint, and upon completion of our review,
      will provide our response directly to our customer by telephone and/or written communication.
      If you have any questions, or need further assistance, youre welcome to contact us at your first
      convenience.
      Sincerely,
      The Customer Advocacy Response Team
      **********************
    • Initial Complaint

      Date:04/02/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Hello, I am writing because this account with ********************** is still reporting inaccurately to credit profile for ****** Fair last 4 of SSN 2856. Please forward a copy of the letter you previously provided stating the paid off status and $0 balance on this account so that I may submit to the credit bureaus again. An example of the letter sent to ******* Fai previously is attached. Thank you

      Business Response

      Date: 04/03/2025

      The Huntington National Bank 
      Customer Advocacy Team ****** 
      ******* 1558 
      ********,**** 43216 


      April 3, 2025



      BETTER BUSINESS BUREAU 
      1169 DUBLIN RD. 
      ******** OH 43215 

      Re:BBB Case #: 23152214
           Huntington Case #: 01884022


      Dear ********* **********: 

      Thank you for contacting The Huntington National Bank (Huntington).  We are writing in response to the complaint you forwarded to us regarding ****** Fair, which we received on April 3, 2025, for review.  
       Please accept this correspondence as our confirmation that we have received the expressed concerns forwarded by your office.  We thank you for making us aware of this matter.  Please be assured that we will contact our customer promptly to acknowledge the complaint, and upon completion of our review, will provide our response directly to our customer by telephone and/or written communication.  

      If you have any questions, or need further assistance, youre welcome to contact us at your first convenience. 

      Sincerely, 

      The Customer Advocacy Team 
      ********************** 

      Customer Answer

      Date: 04/03/2025

      [If you do not say why you are rejecting the company's response, BBB must close your complaint.] 

      Complaint: 23152214

      I am rejecting this response because: my credit profile is still reflecting that this account was charged off with a $37 balance when it in fact was paid in full with a zero balance. This needs to be updated. I also never received any 1099c which would be a requirement for a charged off account. Please update my credit report to reflect this account in good standing as paid in full and not charged off. 

      Regards,

      ****** Fair
    • Initial Complaint

      Date:04/02/2025

      Type:Customer Service Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am writing to dispute an unauthorized credit inquiry that was opened in my name without my knowledge or consent. This inquiry appears on my credit report under your business name and is dated for January 06, 2025. I did not authorize, apply for, or receive any benefit from this inquiry. This constitutes fraudulent activity and violates my rights under federal law. I request that you immediately remove this inquiry from my credit file and provide written confirmation of its removal.Under the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681 et seq., I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. Specifically, under 15 U.S.C. 1681i(a), you are required to investigate this dispute within 30 days from the receipt of this letter. The **** mandates that if you cannot verify the legitimacy of the account, it must be removed from my credit report.

      Business Response

      Date: 04/02/2025

      The Huntington National Bank
      Customer Advocacy Team ******
      P.O. Box 1558
      ********************
      April 2, 2025
      BETTER BUSINESS BUREAU
      ********************************************************************
      Re: BBB Case #: 23148878
      Huntington Case #: 01882903
      Dear ********* **********:
      Thank you for contacting The Huntington National Bank (Huntington). We are writing in response to the
      complaint you forwarded to us regarding ****** *******, which we received on April 2, 2025, for
      review.
      Please accept this correspondence as our confirmation that we have received the expressed concerns
      forwarded by your office. We thank you for making us aware of this matter. Please be assured that we
      will contact our customer promptly to acknowledge the complaint, and upon completion of our review,
      will provide our response directly to our customer by telephone and/or written communication.
      If you have any questions, or need further assistance, youre welcome to contact us at your first
      convenience.
      Sincerely,
      The *************************************************************************************
    • Initial Complaint

      Date:04/01/2025

      Type:Delivery Issues
      Status:
      ResolvedMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I DID NOT place an order with Il Makiage, and I did NOT authorize a subscription, but I was charged $106.75 for a package (UNOPENED) that I sent back IMMEDIATELY the next day. I made a fraudulent claim to Huntington Bank which they DENIED due to lack of documents. Please explain to me how I can have documemts, such as receipts of a product I NEVER ORDERED? I TOLD customer service at ********************** this problem and answered ALL HER QUESTIONS, yet I was still denied the claim.

      Business Response

      Date: 04/01/2025

      The Huntington National Bank
      Customer Advocacy Team ******
      P.O. Box 1558
      ********************


      April 1, 2025

      BETTER BUSINESS BUREAU
      ********************************************************************


      Re: BBB Case #: 23146136
             Huntington Case #: 01882166



      Dear ********* **********:


      Thank you for contacting The Huntington National Bank (Huntington).  We are writing in response to the complaint you forwarded to us regarding ****** *****, which we received on April 1, 2025, for review.

      Please accept this correspondence as our confirmation that we have received the expressed concerns forwarded by your office.  We thank you for making us aware of this matter.  Please be assured that we will contact our customer promptly to acknowledge the complaint, and upon completion of our review, will provide our response directly to our customer by telephone and/or written communication.

      If you have any questions, or need further assistance, youre welcome to contact us at your first convenience.

      Sincerely,
      The Customer Advocacy Response Team
      **********************

      Customer Answer

      Date: 04/03/2025

      [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

      Better Business Bureau:

      I accept the business's response to resolve this complaint.

      As of this date, the matter has not been resolved 

      Regards,

      ****** *****

    • Initial Complaint

      Date:03/31/2025

      Type:Customer Service Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I went to the bank and ask for a cash advance . I then asked the teller to put it in my account as cash. My cash advance was for 1300 . She told me no that she could not put it in as cash that I would need to go to the atm.following her advice I did that. I deposited 1000 and the machine took my money and said contact the bank. With no receipt given. Here I am out of 1000 dollars and need to pay bills with this . This is a problem that the banks should have handled it better in the first place.

      Business Response

      Date: 04/01/2025

      The Huntington National Bank
      Customer Advocacy Team ******
      P.O. Box 1558
      ********************


      April 1, 2025



      BETTER BUSINESS BUREAU
      **************.
      COLUMBUS OH *****

      Re: BBB Case #: ********
      Huntington Case #: ********


      Dear ********* **********:

      Thank you for contacting The Huntington National Bank (Huntington). We are writing in response to the
      complaint you forwarded to us regarding ***** *******, which we received on April 1, 2025, for
      review.

      Please accept this correspondence as our confirmation that we have received the expressed concerns
      forwarded by your office. We thank you for making us aware of this matter. Please be assured that we
      will contact our customer promptly to acknowledge the complaint, and upon completion of our review,
      will provide our response directly to our customer by telephone and/or written communication.

      If you have any questions, or need further assistance, youre welcome to contact us at your first
      convenience.
      Sincerely,
      The Customer Advocacy Team
      **********************

      Customer Answer

      Date: 04/01/2025

      [If you do not say why you are rejecting the company's response, BBB must close your complaint.] 

      Complaint: 23138473

      I am rejecting this response because: 

      Regards,

      ***** *******

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