Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I made monthly payments to music getaways starting XX/XX/XXXX for a festival that was to start on XX/XX/XXXX til XX/XX/XXXX with three different credit cards. This disputes is for the six charges that were from Huntington bank debit card. XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. Totaling XXXX. I was given a provisional credit on XX/XX/XXXX XXXX on XX/XX/XXXX they took back XXXX of the charges claiming it was past the 60 day to dispute. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX totaling XXXX. Then today XX/XX/XXXX I called and was informed they are taking back the other XXXX transactions because the merchant music getaways claim they have a no refund policy and have issued credit for a future event. My complaint is the info that they sent is different from the one I signed and as far as refunds or credits their is nothing in the contract that say that he can keep our money for non payment of the event. Our trip was canceled because music Getaways never paid for the event with XXXX XXXX XXXX. I have sent a letter from the XXXX XXXX XXXX stating this and I have the email music Getaways letting us know our trip was canceled on XX/XX/XXXX. Now I have info that Music Getaways have filed bankruptcy. Music Getaways are not giving no one credits or refunds. Anyone who filed a dispute is left to deal with the credit card company. A no refund policy or credit is voided when music getaways never paid for the event. Its called Breach of contract. XXXX is claiming a 60 day dispute policy but the services were paid for in advance for the event to happen XX/XX/XXXX. I know they have rules for disputes for services paid in advance. I started monthly payments on XX/XX/XXXX till XX/XX/XXXX for services I did not receive on XX/XX/XXXX because it was canceled two days prior because music getaways never paid for the venue. I have a letter from XXXX XXXX XXXX. I have the email from music getaways notifying me of the cancellation on XX/XX/XXXX and other documents that prove that music getaways have no intention of giving refunds, credits for transfer to another festival. He has done nothing but stall the banks with his documents that is different from the one we signed and have altered our accounts that show a credit that I never asked for and dont want. I want my money back. Further more in his contract he is not honoring transfers anyway because I filled a dispute for a refund. He breached the contract and have filed for bankruptcy. He sent something to my email address asking if I wanted a refund then turn around and send the bank all these documents saying he gave me a credit and have a no refund policy. This should not apply to music getaways not paying for the event and now has filed bankruptcy. Please pay attention to the Responsibility and Limitation of liability in the contract I signed where it say that payment of funds for staying at the hotel are paid entirely to the hotel and resort and no portion of funds are kept by the company or music getaways. So what happened to the money cause the event got canceled for non payment to the hotel. Dispute # XXXX I have requested that my claim be reopened on XX/XX/XXXX with Huntington bank. I dont believe that they looked at any of the documents to prove my case. I have enclosed the bankruptcy filing below as well as the contract I signed that has been breached because of non payment from music getaways, copy of news report about the incident copy of dispute with Huntington bank. All emails that was sent to Huntington regarding this dispute is in the files with Huntington bank. I dont think they bothered to look at. Bottom line music getaways took our money never paid the hotel sent notification through email the is canceled claiming the hotel canceled not mentioning it was canceled for non payment from music getaways. XXXX XXXX letter stating music getaways never paid.