Consumer complaint received 2021-09-08
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX ordered me to pay for additional out of pocket return shipping charges on a purchased defective piano and bench from XXXX Seller  XXXX ( original purchase XXXX included partial shipping and handling charges of Item ( s ) Subtotal : {$460.00} Shipping & Handling : {$30.00} Total before tax : {$490.00} Estimated tax to be collected : {$30.00} Grand Total : {$520.00} ) with a promise to reimburse my credit card for the additional out of pocket return shipping and handling expenses, because the seller refused to provide a prepaid return shipping label XXXX and was withholding my purchase paid {$520.00} amount to be refunded to my credit card unless I removed my one star rating for the fraudulent bait and switch online sale. I was baited with an operational piano and bench, what I received was completely defective with seller attempting to get me to tamper with the electronics to void the purchase guaranty in writing to avoid paying me for the return. I refused to tamper with the piano in any way, seller agreed to refund in full but failed to do so through XXXX. 

See From : XXXX Date : XX/XX/2021 at XXXX XXXX  EDT To : XXXX Subject : Your XXXXXXXX XXXX  Guarantee Claim for Order XXXX Reply-To : " XXXX : XXXX '' XXXX Hello, Although we understand your position, you will need to return the item to the seller before we can move forward with this claim. We know that this is not your ideal solution, but we do believe it is a fair one. 

To help resolve your claim quickly, we are happy to check in on the progress of your return. Simply reply with the name of the courier and the tracking number. If we see that your return has arrived and the seller has not issued a refund, we will contact the seller. 

Please respond with the tracking information for your return, if available. Without this information we are unable to take further action. Please include : -- The shipping carriers name -- Tracking number -- Order Number : XXXX Please send the seller your receipt for the additional costs incurred. Once the receipt has been sent, the amount will be refunded to the payment method used to place this order and we will send you a confirmation. 

Sincerely, XXXX XXXX and Seller received all receipts online with proven png and jpegs uploaded to XXXX and Seller messaging center. I have screen shots of proof receipts were submitted, piano and bench were returned but my out of pocket expenses to return the defective piano and bench purchased has not been refunded to my credit card as promised. 

On XXXX, {$300.00} was paid to XXXX TO RETURN SHIP THE PIANO TO XXXX SELLER XXXX, {$52.00} was paid to XXXX TO RETURN SHIP THE BENCH TO XXXX SELLER XXXX, {$10.00} was paid to XXXX TO PRINT ADDITIONAL RETURN SHIPPING LABELS AND PURCHASE RECEIPTS REQUIRED BOTH INSIDE AND OUTSIDE ALL BOXES AND GASOLINE EXPENSES TO TRAVEL 5 miles round trip to and from XXXX  FROM HOME, {$6.00} paid to XXXX  for STRINGED PACKAGING TAPE TO SECURE CLOSURE OF PIANO AND BENCH BOXES. ( XXXX {$370.00} owed to me from XXXX AS PROMISED ) {$520.00} was refunded to my credit card as soon as my receipts were uploaded to the XXXX AND SELLER MESSAGING CENTER XXXX. 

See From : " XXXX '' XXXX Date : XX/XX/2021 at XXXX XXXX  EDT To : XXXX Subject : Refund on order XXXX Hello, We're writing to let you know we processed your refund of {$520.00} for your Order XXXX from 1 by 1.

This refund is for the following item ( s ) : Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for refund : Customer return Here 's the breakdown of your refund for this item : Item Refund : {$460.00} Item Tax Refund : {$28.00} Shipping Refund : {$30.00} Shipping Tax Refund : {$1.00} We'll apply your refund to the following payment method ( s ) : MasterCard Credit Card : {$520.00} We've processed a refund for the above order in the amount of {$520.00}. In most cases, once a refund has been submitted, the issuing bank will post it to your account within 3-5 business days when issued to a credit card. Refunds issued to a bank account or pin-less debit typically take 10 business days to reflect on the account balance. This time frame may vary from one financial institution to another. 

Have questions about our refund policy? 
Visit our Help section for more information : XXXX XXXX XXXX We look forward to seeing you again soon. 

Sincerely, XXXX We're Building Earth 's Most Customer-Centric Company XXXX XXXX XXXX Note : this e-mail was sent from a notification-only e-mail address that can not accept incoming e-mail. Please do not reply to this message. 

This partial refund to my credit card did not include the additional out of pocket expenses ( XXXX {$370.00} owed to me from XXXX AS PROMISED ) to refund me on XXXX as stated above. 

I have filed a fraud dispute with my Huntington bank in XXXX but the cs there failed to supply these additional return shipping requirements by XXXX to the Dispute Center, which resulted in my having to file a second Fraud Dispute with my Huntington Bank at a different location XXXX. I have not received a further determination fro either XXXX NOR HUNTINGTON BANK AS A RESULT OF MY MULTIPLE PROOFS COPIED, UPLOADED TO XXXX AND EMAILED TO HUNTINGTON BANK AS OF TODAYS DATE XXXX.

Company response to consumer: Closed with explanation