Consumer complaint received 2023-05-05
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Huntington Bank offered 3 % cash back on all purchases promotional credit card. Abruptly w/o notification of any kind, that rate was reduced to 1.5 % on XXXX XXXX XXXX. On my account it stated ( and still does ) that I was receiving 3 % rate. I placed my 1st call to their support team soon thereafter and I was told it was a problem with Mastercard, not a bank error. I was told that noone was notified b/c the Bank had no idea who was affected and expected the customers to notify them, not the other way around. I was told my complaint would be filed and someone higher up the chain of command would contact me. Never happened so I called a 2nd time and this agent told me the same thing, that it was the credit card company 's fault and she couldn't do anything about it except file another complaint. I was frustrated and I told her so and she accused me of being threatening and put me on hold for XXXX min. Very passive aggressive. I called a 3rd time and that agent told me she would elevate my complaint to someone who could offer compensation and/or a resolution to the problem. This is all on tape and has been reviewed by the credit card team at Huntington and I was told the agent who defamed me, calling me a threat to her safety was in the wrong. A mid-lvl manager then contacted me and told me the truth, that everything I was told by the prior 3 agents was false, I was misled, and my 1 year promotional period had in fact ended. He had no explanation for why I was not notified and why I was misled by 3 prior members of his team. He apologized repeatedly and said he did not want to insult me with a {$25.00} gift card ( the most he was authorized to do for restitution ) and he would notify his boss.

All this time my account stated that I was receiving 3 % back when it was in fact 1.5 % and that is fraud to me. In order to deny responsibility for the errors and miscommunication, 1 agent falsely accused me of threatening her and after 2 weeks of me calling asking for compensation and a solution to this problem and an apology from their agent, I was told today that Huntington refused to acknowledge wrong doing and refused to offer any compensation.

I can accept my promotional rate of 3 % came to an end but it is breech of contract not to notify me and fraud to falsely show on website for 2-3 weeks that I was getting 3 % back when in fact it was only 1.5 %. I was lied to ( intentionally? ) by 4 agents that denied responsibility and threw Mastercard under the bus hoping I would just go away.

I request some compensation for the breech and violation of terms and misinformation and defamation. I offered the following options and they refused 1 ) continue the 3 % as it states I should be receiving on my account OR 2 ) {$500.00} ( now {$1000.00} ) 3 ) AND an apology from the agent who falsely accused me of threatening her to avoid responsibility for this.

I feel taken advantage of and lied to and they have all the leverage. It takes a lot of time/energy to end my relationship with the bank that I have LOC and 4 accounts and 1 credit card with. They continue to profit off my money that is in their possession and this is how they treat me ( and others )? 

Thank you for being here to protect consumers like me from big banks that walk all over us. If they are not held accountable, nothing gets better. 

I have ALL the email correspondence to share if needed later. A screen shot of when I stopped receiving the 3 % benefit that was listed on my account and the screenshot of the ongoing fraudulent 3 % rate after I was only getting 1.5 %.

Company response to consumer: Closed with explanation