In October, 2018, on a recorded line, John Kaiser NMLS ID: 497319, provided me a refinance rate of 3.92%. He had me verbally acknowledge that the rate would be locked in. He then called a few days later to say the rate had changed and would be 4.12%. I filed a complaint with Keisha Hairston of Huntington Bank, who confirmed I had been locked in at 3.92% on a recorded call. She listened to the recording, and said she would work to get me the correct rate. She called back a few days later to say that rate was only for physicians, and now the rate was 4.52%.