Consumer complaint received 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
This past XXXX my wife and I traveled to XXXX and XXXX. We used cabs between our hotel and various attractions in both cities. While in XXXX, I noticed that many of the cab drivers used a payment platform known as XXXX. When examining my account online, I noticed cab fares paid through XXXX on XX/XX/XXXX ( XXXX XXXX -- {$48.00} ) plus XXXX on XX/XX/XXXX, ( XXXX XXXX XXXX -- {$20.00} ; and XXXX XXXX XXXXXXXX XXXX {$44.00} ). 

On XX/XX/year>, my wife and I were scheduled to return home. That day, we took a cab from our hotel ( XXXX XXXX XXXX, located at XXXX XXXX XXXXXXXX ) to XXXXXXXX XXXX XXXXXXXX XXXX. Like I did several other times during the trip, I used my Huntington credit card to pay the cab fare. I handed the driver my card who processed the payment through a device in the front seat. I did not actually see him do it, as I was loaded down with luggage and was trying to exit the vehicle. I was also preoccupied with assisting my wife ( who, due to physical limitations, often requires help ). 

Due to my distractions, I did not look closely at what the driver was doinga situation I now regret. I do not dispute that the driver had my card and that I was present. But not suspecting that anything might be amiss, I did not pay attention to, or retain my receipt. 
After we returned home, I again examined online. It indicated that the cab fare to the airport through XXXX came to {$920.00}! 

I immediately contacted the bank and filed a fraud complaint. Their initial research determined that because the card was physically present " no error occurred '' a phrase that meant nothing to me. I appealed their decision because whether the card was present or not, the amount of the cab fare was so outrageous that it could have been an honest error on the cab driver 's part. Perhaps he inadvertently inserted an extra digit, I thought. 

Soon after they issued me a credit for almost the entire amount. They also indicated that they would recover the funds from the driver. I thought I was in the clear, until a few days later when I received a letter saying that the credit was conditional and could be revoked if the rebuttal they received from the driver proved satisfactory. 

I don't know how they did it, but they were able to identify and contact the cab driver. He produced a sales draft indicating the fare he charged was XXXX XXXX ( the equivalent of {$920.00} ). He confirmed the bank 's account that the card was physically present, a fact I do not dispute. Because of this, the bank reversed the credit. 

So it appears the driver really did intend to charge me XXXX XXXX for the cab ride. This, I would argue, is an act of remarkable hubris. A cab fare between the XXXX points I listed COULD NOT have cost anything approaching that amount and is inconsistent with the examples I cited above. According to www.distance.to, the distance between the XXXX points I cited is XXXX km ( XXXX mi. ). Basic math will reveal that such a fare would work out to over {$50.00} per mile! According to XXXX, the most expensive cab rates in the world are in XXXX, XXXX they average {$10.00} per milea fraction of what I was charged. 

The driver probably didn't set out to do this. My theory is that he saw I was distracted, decided he had an opportunity to cheat me, and then proceeded to do so. 

The bank keeps insisting that no fraud occurred for the purely technical reasons I described above. Every communication they have sent to me concerns itself only with this fact and ignores the obvious ethical issues I explained. Huntington likes to present themselves as a consumer-friendly bank. My experience suggests otherwise. The fact that I was gouged doesn't seem to matter to them. 

I hope it does to you. Can you help me in any way? Please accept my sincere thanks in advance.

Company response to consumer: Closed with explanation