Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I am officially declared XXXX by the Social Security Administration ( SSA ), and recently suffered a XXXX XXXX crisis ( XXXX XXXX ), making 24/7 access to my available funds an absolute medical necessity. Due to my failing health, I can not always perform daily tasks like cooking independently and rely heavily on late-night online deliveries for essential items. Around XXXX XXXX EST, I attempted to place an online order for emergency items that I critically depended on. However, because Huntington 's mobile application continually threw an error message when I attempted to unlock my card, I was completely blocked from paying for my purchase. This system failure denied me access to my own money during a medical emergency, creating severe and dangerous undue hardship. I filed an online concern complaint with Huntington and was emailed by them and then called. On XX/XX/year>, I was contacted by " XXXX XXXX '', a Customer Experience Specialist at Huntington Bank ( XXXX ). She formally stated that Huntington Bank can not resolve this issue because the nightly lockout is 'the system 's way of updating itself. ' During this call, the representative went so far as to instruct me to simply leave my card permanently unlocked prior to midnight to avoid this problem. This official advice explicitly demands that I compromise my own account security and expose myself to fraud just to accommodate Huntington 's defective application limitations. Because the bank 's formal stance is a refusal to fix an automated system design that routinely blocks access to available liquidity, I am escalating this to federal regulators for review. I am filing an official complaint against The Huntington National Bank regarding unfair practices, deceptive system design, and routine denial of access to my available funds. Huntington Bank advertises a 'Card Lock ' security feature to protect consumer accounts. However, Huntington enforces an undisclosed, predictable processing blackout window 2 to 3 nights a week starting at midnight. During these hours, I can log into the mobile app and see that my funds are available, but the system denies my attempts to unlock my card so that I can access available funds, throwing a generic error message when attempting. Access is automatically restored at the exact same time later each morning, proving this is a rigid, programmed system constraint rather than a random technical glitch. Additionally, there has been no notifications of a system wide technical error. Furthermore, during their scheduled Sunday-into-Monday overnight maintenance window, Huntington completely revokes all electronic access. During this time, the entire account is completely inaccessible, meaning I can not even view my balance or account status. I have formally exhausted the bank 's internal dispute process. On XX/XX/year>, I was contacted by XXXX XXXX, a Customer Experience Specialist at Huntington Bank ( XXXX / XXXX XXXX XXXX XXXX ). She formally stated that Huntington Bank can not and will not resolve this issue because the lockout is simply 'the system 's way of updating itself. She then downplayed the concern, blaming it on the systems way of updating the acct and keeping us safe. Routine automated updates should not routinely strip consumers of their liquidity or their ability to manage their own security features. I've had the experience of this happening with other providers, maybe one time a week, which seems reasonable. However multiple times a week, in addition to there customer service support stops answering calls after XXXX to inquire about this problem and solution is very extreme. I am requesting that Huntington modify their processing windows so that the 'Card Lock ' toggle remains functional 24/7, or provide a reliable mechanism for consumers to access and view their funds during overnight hours. I am requesting that Huntington modify their processing windows so that the 'Card Lock ' toggle remains functional 24/7, or provide a reliable mechanism for consumers to access and view their funds during overnight hours. I am requesting that they take immediate steps.

Company response to consumer: Closed with explanation