Consumer complaint received 2023-05-02
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been a Huntington National Bank customer for some time. On XX/XX/2023 two debits from XXXX cleared my account. When I contacted XXXX about these two charges they indicated that they were charged to my card in error. The said that they were made under another persons account. They put forth the persons last name and asked me if I recognized it. I did not. They assured me that the two charges would be refunded in 7-10 days. 

On XX/XX/2023 I alerted aforementioned bank that it was my belief that my debit card had been compromised. I came to such a conclusion due to the fact that there were numerous debits on my account that I did not make. ( At the time I contacted said bank some of the charges were still pending while the remainder of them had been cleared. ) During the hour long phone call with said bank on XX/XX/2023 I diligently went through the previous weeks activity of my account, and all of the debits that were authorized by me were noted on the call. Through out the conclusion of the call I was dutifully assured that such charges would be investigated fully and that I would bear no responsibility for such if they were fraudulently made. 

Nothing else was required of me at that time and I was told that said bank would be in contact with me if they needed anything further from me. I was also told that I may be granted temporary provisional credits for these unauthorized charges while said bank completed their dutiful investigation. In fact I did soon receive these provisional credits. 

Without notice or communication on a XXXX XXXX my account was debit for all of the provisional credits that were granted less than ten business days before. In several calls to said bank over then next two weeks I was informed that their investigation was closed and that there were no errors found in the debits that I informed them were unauthorized. In fact the only answer I could receive to multiple inquiries about this situation were three part 1.No error occurred 2. Case has been closed 3. No further information is available. I even questioned some of the logic of the investigation and how easily it could be shown that said debits were not mine. My inquires were not directly answered, but rather were responses with Is there anything else I can help you with Sir?. 

It should be noted that on my XX/XX/XXXX call to said bank. I informed them that the two charges that were made to XXXX were also charges that were not authorized by me. Said bank gave me Provisional credit for these two debits ; however, said bank also reversed these two credits. How could said banks dutiful investigation find these two charges were not made in error when the merchant themselves found that they were made in errorand were even going to refund the charges themselves! 

There is no was that said bank investigated this matter in good faith. If they did they would show me the work and results of their investigation. Bank could have certainly mitigated damages by canceling pending charges. 

Please note that all charges that are the subject of this complaint were not authorized by me. I did not authorize any other person or party to make said charges on my behalf or on the behalf of any one else. I do not know what person or party made said charges. I have mot and will not benefit from said charges in anyway.

Company response to consumer: Closed with explanation