Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I am submitting this complaint regarding Huntington Banks handling of repeated debit card suspensions, poor customer service, and lack of reasonable access to my own funds. 
I opened a Huntington Bank account with the intention of saving money, opening a certificate of deposit, and conducting larger transactions that my other financial institutions limit. After depositing a large sum of money, I attempted to make a large payment on XX/XX/year>. The transaction was declined. I contacted customer support, was transferred to another department, verified my identity, and was told my card was immediately unlocked. Due to the delay at Huntington, I used a different personal account and split the payments over XXXX days. 
On XX/XX/year>, I attempted to place a grocery order slightly over {$300.00}. My debit card was suspended again. Customer support was closed after XXXX XXXX, preventing immediate assistance. I called again on XX/XX/XXXX around XXXX XXXX and spoke with a representative who stated she unlocked the card. After waiting approximately XXXX minutes and still experiencing declines, I called again and was told the card was unlocked but I needed to wait XXXX hours for transactions to process, though I was told other transactions should work. I attempted another transaction with a different amount, which was still declined. 
I contacted customer support again and spoke with a representative named XXXX, who informed me that my grocery order was considered suspected fraud and that the card could not be unlocked despite prior verification. I was told an email was sent to the card fraud department and that there was no way to directly contact or expedite this department. I requested a supervisor and was transferred to an individual named XXXX in the Consumer Deposit Accounts department. It was unclear whether he was management. He reiterated that I had to wait XXXX hours and that I would not be able to use my card during that time. 
I explained that this caused significant inconvenience and hardship, as I have a one-year-old child and was attempting to obtain groceries while both of us were ill and during freezing weather conditions. I was met with an indifferent response and told there was no alternative. I was further informed that if the card did not work after XXXX hours, I would need to wait up to XXXX additional hours for the fraud department to lift the restriction. 
I find it unreasonable that a national bank can not provide timely access to funds after identity verification, can not offer accurate information, and provides no escalation path for urgent situations. I believe Huntington Banks fraud prevention and customer service protocols are outdated and insufficient for basic consumer needs. 
I am requesting that this issue be reviewed and that Huntington Bank be held accountable for its failure to provide reliable access to customer funds and adequate customer support.

Company response to consumer: Closed with explanation