Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against Huntington National Bank regarding the abrupt and unexplained closure of my checking account on Wednesday, XX/XX/2025, and the significant financial harm that has resulted from this action. On XX/XX/2025, the beginning of the month ; Huntington Bank closed my personal checking account without prior notice and without providing a clear, substantive reason for the closure. Despite multiple inquiries, I have not been given a satisfactory or legally adequate explanation for why this action was taken against my account. I have been a customer in good standing. My account activity consisted entirely of routine, legitimate transactions including : Biweekly direct deposit payroll payments Recurring bill payments ( rent, electricity, phone, auto loan, and auto insurance ) Everyday consumer purchases including groceries and gas There was no unusual, suspicious, or improper activity on my account that would reasonably justify closure. The timing of this closure was particularly devastating. XX/XX/XXXX fell at the start of the month when all of my critical financial obligations were due simultaneously. As a direct result of Huntington Banks actions, I have suffered the following harms : XXXX. Withheld Funds : Huntington Bank has refused to allow me to withdraw my own account balance. I was informed that I can not access my funds until the account is fully closed and a check is issued to me. This has left me without access to my own money for an extended period. XXXX. Rejected Direct Deposit : My scheduled biweekly direct deposit, which was due on XX/XX/XXXX, was rejected and returned to my employers payroll processor. I have been informed by my employer that it will take approximately XXXX week to reissue the payment and additional days to recut the check, leaving me without income for an extended period through no fault of my own. XXXX. Cascading Late Fees & Financial Penalties : Because I was suddenly without access to both my account balance and my paycheck, I was unable to make timely payments on rent, electricity, phone, auto loan, and auto insurance all of which were due at or around the same time. I have incurred late fees and potential penalties across multiple accounts as a direct result. XXXX. Emotional Distress & Financial Hardship : This situation has caused me significant stress, XXXX and hardship. I have been left without the ability to meet my basic financial obligations, through absolutely no fault of my own. In addition, I have serious concerns regarding the handling of disputes I filed with Huntington Bank for posted charges on my account. These disputes were filed at separate times and were supported by substantial documentation, including written merchant communications, detailed return tracking information, order receipts, transaction amounts, and descriptions of expected items or services. Despite this, I received correspondence stating : We have completed our research on the transaction ( XXXX ) in question and have determined that it was authorized. The information you provided about the transaction ( XXXX ) was inconsistent with other information we found during our research. I do not believe a genuine or adequate investigation was conducted. Given that multiple disputes filed at different times were denied in near-identical language and in close proximity to my account closure, I believe these denials were rushed in order to expedite the account closure process rather than based on any actual due diligence. I have formally requested the records and information used to reach these determinations and have received no response. This failure to provide investigation findings upon request may constitute a violation of my rights under Regulation E.

Company response to consumer: Closed with explanation