Consumer complaint received 2020-10-27
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:
My income is only from the SSA in the form of XXXX. My income is around $ XXXX/month. 
I am XXXX, can not work, and am XXXX XXXX XXXX  from an XXXX XXXX. 
On XXXX we had a cleaning co. hired thru XXXX also XXXX XXXX come to do a simple cleaning of the basement stairs. 
That co. is called " XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX They sent in one cleaner, a XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, MI XXXX ) She cleaned nothing, broke our entire light fixture required to enter the basement. I found her wandering aimlessly around our kitchen. 
I watched her for a few minutes, she was very " off '', looked like she was on something. She actually stood and stared at me. Next thing, she was YELLING, looking at me. 
I didn't know what she was doing, again XXXX XXXX XXXX XXXX. 
I guess she was on her phone or speaker phone, I don't know, but she was shouting. 
I wanted her GONE and she broke our light fixture, now I can't get in the basement. 
She ran my Huntington Bank XXXX XXXX, on her phone, it was not a slider or chip reader. She inputs my XXXX info. 
It didn't go thru. 
We just moved there, the bank still had my old address. 
My partner, XXXX XXXX, then gave her his card to run. Same deal, manual run. 
She also photographed both of our cards supposedly to have to run them for XXXX XXXX. She had no card swiper. 

Sat. afternoon, XXXX received ONE single text message from Huntington Bank. Did he try to run an order of {$210.00} with XXXX? 
No, he answered the text, it said it " locked his card '' for Fraud. 
He looked at his account, he had ALL of the notifications with Huntington checked. 
This is texts, calls, push, emails. 
For any and all suspected fraud, card not present, large sums, etc. 
He received only ONE text. 
Upon checking his account, he saw then, on XXXX, that his card was also put thru for 2 XXXX XXXX tickets at {$190.00} each! Successfully put thru. 
So they obviously after XXXX have NO security! 
There was also a charge of {$33.00} for a XXXX XXXX XXXX water bill. We have never been to the city of XXXX. XXXX XXXX lives in the city of XXXX. 
He called immediately Huntington Bank. Report # XXXX They stated his card was cancelled, issue a new one, these charges would not go thru or clear. 
Today, Tuesday, imagine our surprise when we look on his Huntington Bank acct. and ALL of these charges have CLEARED. 
He did a live chat with Huntington Bank. They lied and said, " All of the charges have to clear for us to investigate them. '' No they don't. I worked as a XXXX XXXX XXXX XXXX, XXXX XXXX too. I did this job. All charges should have been stopped on Sat. when reported. They should have never cleared. The XXXX XXXX such as XXXX XXXX XXXX has this ability. 
So XXXX XXXX is currently out {$410.00} with no provisional credit for a stolen XXXX number, not the actual card stolen, reported the same day to Huntington Bank. He is not responsible for ANY of this fraud as per : " No lost or stolen card. If your physical debit card itself is not lost or stolen, you are not liable for any fraud charges using your debit card number if you report the fraud within 60 days after your statement is sent. '' But Huntington Bank has withheld all of this money, is also lying about the laws. 
They sent 1 notification, none of the others. 

My bank, also Huntington, my money again is XXXX from the SSA. 
The thief from XXXX XXXX who lives in XXXX, XXXX XXXX, used my card too. 
Late Saturday night I received a text, " Did you try to run an order of {$210.00} with XXXX? '' Same amount as XXXX XXXX. 
No, it said they locked the card. 
Then a few minutes later, I got the same messages, again, no didn't use that card, said again Huntington locked the card. 
Now it was middle of the night, they're closed, the website is closed over night. 
Next day I look, she had attempted to run my Huntington Master Card for that amount of {$210.00} at XXXX at least 10 times.

Huntington did NOT close the card. 
They did not send any more contacts, push notification, calls, texts, emails besides the TWO mentioned for 10 tries. 

My card was ALSO run on XXXX XXXX for the same amount as XXXX 's was run for, {$190.00}. 
They didn't close the card. 
Then it was ran twice on XXXX for {$360.00}, it was approved : XXXX I was able to get them to reverse the charge. Huntington did nothing. 
The XXXX never went thru. All the while, my " locked card '', she was running up all these bills, Huntington did not do a single thing. 
She then tried to force my card thru at XXXX for {$200.00} and did succeed. Huntington still had this card up and running! 
XXXX reversed this charge themselves, bank didn't help. 

She was able to run thru TWO different XXXX  charges. This is after the fraud XXXX XXXX, XXXX XXXX attempts, XXXX XXXX, and XXXX. Huntington Bank just kept allowing this. 

One charge was for {$310.00} and other for {$440.00}. 

After all this, obvious fraud, multiple attempts, no PIN present, card not present, they allowed these 2 charges on XXXX. Outrageous! I'm XXXX. I need my small sums of money for bills and these unprofessional jokers at Huntington Bank don't know fraud from anywhere, then lie about it. 

I think XXXX  reversed these now, it took 2 days + of arguing with them. 

Then she tried to do a XXXX purchase. Then a website called XXXX, 5 different tries for 2 different amounts, luckily all failed. This was AFTER failing 10 times on XXXX, XXXX, and starting reversals. 


Monday morning, when they are open, I called Huntington Bank. I had to call 3X 's, their genius employees kept transfering me to the wrong extension. I explained the whole thing, said my card was then closed, would issue a new one, would get provisional credits. 

Yesterday, after canceling card, I get messages from Huntington Bank, my card was used online AGAIN at " XXXX XXXX XXXX XXXX ''.

Here we are now 3 days later, I look and again, after my card was terminated, pending is {$200.00} from XXXX XXXX! It is dated TODAY. After my card was closed. It went thru once for that amount, XXXX XXXX reversed it, here it is again, same card, reported STOLEN, and somehow able to be used.

ALL of course card not present. I saw this XXXX woman wandering around in our kitchen, I worry she also photo 'd my DL. But she was able to charge 1 airline ticket, 3 trips on my XXXX XXXX She tried a total of a few XXXX XXXX of my Social Security money, and Huntington Bank allowed this. 

I'm signed up for all Fraud notifications. They didn't send any but the 2 on XXXX. Absolutely unprofessional, outrageous, no protection at all. 

She used XXXX XXXX 's Huntington Bank MC for 2 airline tickets, a XXXX XXXX XXXXXXXX XXXX, XXXX, and whatever else. 

Now Huntington is giving us the run-around about " When and if '' we will be given provisional credits. 

The card info. was stolen. We still have the XXXX XXXX. We are responsible for {$0.00}. 

I am currently out {$400.00} and if not for reversals, would be out over {$2000.00}. 

Huntington Bank has done nothing to protect us from Fraud. A card unsuccessfully attempting to be run thru with " Card Not Present '', ten times for the same amount, XXXX being immediately reversed, add in 2 XXXX  vacations, XXXX purchases, XXXX, 2 clothing stores ... ..all with NO PIN and nothing but a card number and expiration should have been turned off for obvious Fraud. 
The fact that Huntington Bank emplyees are lying or don't know/care how to do their jobs is very disturbing. 
They are stating the charges must clear for them to investigate. Again, I did this job for a living before becoming XXXX. No. They have the ability to stop them between the purchase and the clearing at the bank. When reported stolen, they should have been shut down right away. And we should have been contacted. 
But we weren't. And Huntington Bank was notified the same day.

Company response to consumer: Closed with explanation