Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
In XXXX XXXX XXXX, I noticed some odd activity on my Huntington personal credit card and I immediately sent an email to XXXX to report the activity and filed and FTC report ( report number XXXX ) in XXXX of XXXX. I assumed all was well so I destroyed the card and stopped using it. I then found out after checking my online banking activity for said card that charges are continuing to accrue and now have started collecting interest/fees for an unpaid balance. I called their customer service line In XXXX of XXXX to figure out what happened and I was routed to their fraud department. I had XXXX pages worth of transactions to comb through and I had marked everything that was fraudulent because, during all of this, it became clear to me that my online banking login and account number were compromised and no one at Huntington seemed to care nor give me proper direction to go into a branch, shut everything down, dispute the fraud, and get a new card and account. During this call with their fraud team, I combed through every transaction from XXXX and disputed what was fraud. The gentleman I spoke with then told me given the age of some of the disputes, he couldn't give me a case number so he had to consult their investigations team to determine if this was worth their time. I have submitted countless disputes for this credit card balance because it is now nearly maxed out and marked as " charge-off '' on my credit reports and it's destroying my ability to financially recover from the fraud. I can't even get a credit card in my name thanks to Huntington 's carelessness and disregard for my problem. I've disputed this credit card balance with all 3 credit bureaus and it had been removed from my credit report entirely as of XX/XX/XXXX but on XX/XX/XXXX I got an alert from XXXX stating it was re-added with this statement : Since we sent you the results of our processing of your dispute, we have obtained more information. We initially contacted the source of the information or the vendor who collected the information from a public record source regarding the item you disputed. The source or the vendor has now confirmed the accuracy of the deleted or updated item ; therefore, it has been re-added or revised. 
Please refer to your credit report for the name, address, and phone number ( if available ) of the furnisher or public record office of the information that was added. 
If you still believe the item is inaccurate, then we will add a dispute statement to your credit report at your request. 

I am living in constant fear I will be sued because they feel I am responsible for this debt, and I refuse to be strong-armed. I have requested Huntington provide me with IP addresses that accessed my online banking login, but I was told no. I have spoken with their fraud team to place a cease on ALL emails, voicemails, and physical mail about this credit card because I was getting hounded for payment notices. I've sent them my FTC report, proof that I had my identity stolen as of XX/XX/XXXX, and my current police report with XXXX XXXX Police - but they don't seem to care and only want their money. 

This fight has gone on long enough, it's been nearly 3 years and I'm tired and just want to live my life financially healthy like I deserve. There's no reason why the credit bureau would have it completely deleted 2 weeks ago, and all of a sudden get new info stating it's been re-added. I called and asked what this new info was, but I was told to contact Huntington. I then called Huntington this morning trying to obtain said information, but no one seemed to know what I was talking about. The detective in charge of my police report even stated that Huntington 's fraud team is nearly impossible to work with because they do NOT like working with law enforcement even if they're the victim. I've spoken with several Huntington branch managers near me to try to get varying opinions on the matter and I was assured they've done everything in their power and to leave it in the hands of the police going forward.

Company response to consumer: Closed with explanation