Consumer complaint received 2019-05-10
Company: HUNTINGTON NATIONAL BANK, THE
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX at XXXX I received the email I copied below. I called Huntington after I read the email, and was told that their criteria for awarding credit has changed. When Huntington awarded credit to me, my credit score was at about 600 if my memory serves me right. They started me off with a {$4000.00} credit limit, and I was paying a 23 to 25 % Interest, that was based on the rewards program they offered, I accepted the terms and I've paid my bill, not the minimum, most of my disposable income goes into my credit card when I use it because I can use the card when I need to. 
Huntington 's reason for closing my account per the letter I received yesterday was for a 1. Lack of sufficient deposits with Huntington or another qualifying Huntington relationship. " This was not a term presented to me at the time credit was offered '', the credit was offered, I called them with the offer they made to me. 
2. Frequency of revolving activity on the account, " the more I use their card the more money they make off me? ". Right!

3. Utilization level on the account, " same reason as the second and fourth reason they gave ''.

Finally, my complaint is that I believe Huntington is discriminating against me, because of my race. The current political environment makes this fact clear. Per my estimation I have been a good paying consumer because ; 1 ) I pay my bill on time. I never pay the minimum, when I have the funds I pay off my balance.

2 ) My credit score is much better than it was when they offered credit, please be aware I do have derogatory reporting, but those existed when credit was offered and awarded.

3 ) Huntington never made a complaint to me regarding my account. I believe I am being targeted for no other reason than my name.

RE : Huntington Credit Card ending in : XXXX Were writing to let you know that your account referenced above was closed on XX/XX/2019 because of : Your lack of deposits or other qualifying relationship with Huntington Your credit score A recent evaluation of your account using a credit scoring system that assigns a numerical value to information used to determine your credit worthiness You will receive an account closure notice in the mail with detailed information in the next few days. 
Now that your account is closed Please destroy and properly dispose of all cards associated with this account Tell anyone else that uses the account that it has been closed Contact merchants who process automatic payments from this account to make other payment arrangements Continue to make payments on any remaining balance by the due date on future statements If you signed up for overdraft protection When your credit card account is closed, it can no longer provide overdraft protection for a linked checking account. Huntington does have other types of overdraft protection available. To learn more or if you have any questions, please call us at ( XXXX ) XXXX, 24 hours a day, 7 days a week, or visit any Huntington branch to speak with a banker.

Company response to consumer: Closed with explanation