Consumer complaint received 2018-05-26
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:
Huntington Bank has willfully chosen to use A Standard tactic which misrepresents an accurate account of this case, by SELECTIVELY choosing partial facts, which supports their preference, while ignoring other facts, which would contradict Huntington Banks desired outcome. 

The complaint Huntington bank references to prove their case CFPB case # XXXX XXXX was not drafted by me and this is the first time I have become aware of it. 
Huntington Bank has admitted they THOROUGHLY REVIEWED THIS MATTER and researched all the facts. If Huntington is so confident why have they REFUSED to provide me with the FULL DISCLOSURE I have requested on numerous occasions? 
Huntington Bank has ZERO material facts this account is my responsibility. * They simply claim, we conducted our investigation and conclude this debt belongs to you, but we will not provide you with the material facts to support our findings. This is ABSURD! 
I have a list of all my CFPB complaints and the case Huntington Bank references is not anywhere on my list. 
I have had my previous email addresses compromised and nearly every part of my life. If Huntington Bank actually THOROUGHLY REVIEWED THIS MATTER as they claimed, they would have discovered I have filed ( 8 ) separate complaints concerning ID Theft with the CFPB and FTC. Each time providing a notarized Affidavit of Identity & an Identity Theft Report through the FTC signed under the penalties of perjury. 

In Huntington Banks findings their entire claim relies on a previous CFPB complaint from nearly a year ago, prior to me being aware someone was using my identity. Anyone can email a complaint from anywhere. Huntington Bank would have a huge hurdle to convince a court this account is my responsibility. ( I filed my initial ID Theft claim in XXXX XXXX ) Huntington Bank has a direct financial interest to deny my ID Theft claim, it is the only way they can attempt to collect. 


Here is a summary of the facts regarding Huntington Banks most recent findings from their letter dated XX/XX/XXXX : Huntington Bank received my latest dispute on XX/XX/XXXX Huntington Bank claims to have replied to previous complaints filed with the CFPB case # XXXX XXXX XXXX, XXXX - XXXX, & XXXX - XXXX Huntington Bank references CFPB complaint # XXXX XXXX, stating in this complaint I agreed all transactions were authorized by me. As a result, based solely on the above complaint ending in XXXX, Huntington Bank has denied my ID Theft claim. The problem Huntington Bank has is the FACT, I never wrote the complaint they reference, it is not from me and unless Huntington Bank has other Material PROOF, they have no legal standing. 
Huntington bank has willfully decided to forego the basic legal requirement of any contract/agreement anywhere on this planet and I do not say this lightly. 
Essentially, Huntington Bank claims they thoroughly reviewed this matter and has material evidence I am responsible for the charges, but refuses to provide me any proof or material facts which led them to their decision.Claiming by doing so would jeopardize PROPRIETARY INFORMATION Definition of Proprietary Information : Information that is not public knowledge ( such as certain financial data, test results or trade secrets ) and that is viewed as the property of the holder. 
Yet, the information I have requested are NOT trade secrets. 
Huntington Bank is claiming this account was opened for over a year. There is a good chance whoever opened and used this account contacted Huntington Bank via phone, Huntington Bank records every conversation ( Every American knows this ), I simply request the recordings of phone conversations, this would help prove whether I am responsible for this account. 
Huntington Bank uses voice recognition so they know if the recordings they have are my voice. 
Huntington Bank buys data from dozens of sources to create an interface of every customer. This interface is part of each customer file. I know this for a fact, therefore providing it to me does NOT reveal proprietary information. 
Huntington Bank uses a DNA program from XXXX which includes XXXX XXXX XXXX XXXX XXXX XXXX Threat defense. I am well versed with XXXX XXXX XXXX, so again, Huntington banks claim of jeopardizing their proprietary information is completely baseless. 
Besides the above, Huntington Banks claim they are not lawfully obligated to provide information they collect about me and have used in their investigation to conclude this account belongs to me is entirely outrageous and fales and they know this better than anyone. 
Huntington Banks refusal to provide material evidence supporting their good faith investigation does not stand a chance in any court. 
I am requesting Huntington bank to either provide material proof the charges related to this account belong to me or halt all collection activities. 
I am also informing Huntington Bank I have no intention of paying XXXX XXXX of any debt which does not belong to me. 
My attorney has advised me if any bank genuinely believes I owe a debt they will file a civil claim. However, if any bank files a legal claim without conducting a reasonable investigation, I can add charges against them to my counterclaim. 
Therefore, If Huntington bank believes they have any legal right to this debt, file their civil claim. At which point I will hand it over to my attorney XXXX XXXX of XXXX, XXXX, XXXX XXXX XXXX, who will file my counterclaim. 

I am now formally requesting Huntington Bank : * DO NOT contact me again in anyway concerning this alleged debt unless it is a summons/complaint.

Company response to consumer: Closed with explanation