Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I am reaching out to you for help with an on-going fraud case ( XXXX ) that occurred with my Huntington bank account XXXX I have been going back and forth with them for a month and today, I was told by a supervisor that I am not getting my money back because " I participated in the fraud. '' I have seen victim blaming before, but nothing like this. I work very hard for my money and have had Huntington for over two decades. I am saddened and offended by this treatment. The " investigation '' was extremely mishandled, the process has been inconsistent, and it has been terrible. 

On XX/XX/year>, my bank account was compromised. As a result, I had to close down my account, get a new credit card and debit card, and open up a new account. I was told that the investigation was completed and the transactions were found to be valid. These transactions were not approved or authorized by me. 

On the night of XX/XX/year>, my card was used in another state for a fraudulent purchase. After the attempted purchase I received a text. Immediately after I received a text message, my phone rang and it displayed Huntington Bank from XXXX. Panicked, I answered the phone and I was told that I was speaking to a Huntington representative. The representative that was posing as a Huntington employee said that he needs to verify my identity by sending me a one time code to my phone. Once I received the code, I gave it to him thinking that he was a Huntington representative. This is Huntington protocol that has happened almost every time I call. The male then had access to my online account, moved money from my savings to my checking account, made unauthorized purchases, and transferred funds without my knowledge or authorization costing me almost {$2000.00} in fraudulent charges. If you look at my bank statement, you will see around ten other fraudulent transactions that took place during the same time. The bank stopped or refunded the rest of the transactions except the ones mentioned below. This makes no sense. I was not given an explanation of why these transactions were isolated. 

The suspect called me many times for two days and it came in as Huntington Bank - XXXX. This was all fraudulent activity. All of the Huntington calls that I provided screenshots of were from the same person and were not from an actual Huntington branch. It wasn't until the XXXX that I realized this was a phishing scam. That is when I called Huntington, advised them of what took place, and ended up having to shut down my account and start the process of setting up my bills. The whole process was extremely intrusive, traumatizing, and happened at the worst time ( traveling and moving. ) To add insult to injury, Huntington has completely mishandled the investigation. They closed it within two days without asking any questions or looking into the facts that I repeatedly stated on the phone and in person. I was told by a Huntington banker that this is a " slam dunk '' case and that I would get my money back within 10 days. A whole month later, I was blamed for " participating in the fraud, '' and supposed to move on with life without the almost {$2000.00} that I lost. Additionally, a co-worker of mine, XXXX XXXX, lost more money under the same exact circumstances and was given his money back. XXXX offered to call Huntington with me to explain to them that his money was refunded under the SAME EXACT circumstances and they refused to talk to him. 

I have sent it the police report, screen shots, my XXXX XXXX XXXX  bill, and statements. As a consumer, I expect my money to be protected by a bank that I trust. I was not aware that the FDIC protection " kicks in if the bank is bankrupt. '' The chances of that happening are slim to none. If this is how Huntington handles fraud cases, I feel that the public should be more aware. I do plan on filing complaints with the XXXX XXXX XXXX  and the Ohio Attorney General 's Consumer Protection Unit. I can not walk away from the money that I worked so hard to earn and save. This is extreme injustice. My XXXX family members and I will be switching to XXXX XXXX because of how this was handled. 

I was told by one supervisor that the investigator would call me back and I was told by another supervisor that the investigator can not call me back. Nothing has been consistent since day one and I really need to get this issue rectified. I was also told that a customer service agent would call me regarding my complaint and no one has called me. I was told that Huntington would " never '' call me, and they have called me three times in the past for legitimate business. This case was severely mishandled and I plan on closing my account and going to another bank. I emailed two fraud investigators and they have not emailed me back. 

Please let me know if you need additional information

Company response to consumer: Closed with monetary relief