Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
XX/XX/XXXX'ELECTRONIC FUND TRANSFER ACT (15 U.S.CXX/XX/XXXX / REGULATION XX/XX/XXXX(XX/XX/XXXXHuntington National BankXX/XX/XXXXError Resolution DepartmentXX/XX/XXXX: Consumer Financial Protection Bureau (CFPB)XX/XX/XXXXConsumer Financial Protection BureauXX/XX/XXXX Unauthorized Electronic Fund Transfers Account Ending XX/XX/XXXXTo Whom It May Concern,\nThis letter serves as a formal escalation of my existing dispute and Notice of Error involving unauthorized electronic fund transfers on my account.XX/XX/XXXX Initial Unauthorized Activity\nI dispute XX/XX/XXXX (XX/XX/XXXX) unauthorized electronic fund transfers that occurred between XX/XX/XXXXand XX/XX/XXXX, involving charges associated with XX/XX/XXXXThese transactions were not authorized or approved by meXX/XX/XXXX Formal Dispute Notice\nIn XX/XX/XXXXI formally notified Huntington National Bank of these unauthorized transactions, and the bank acknowledged receipt of my dispute. The account remained under active investigation thereafter.XX/XX/XXXX POST-DISPUTE FRAUD (CRITICAL FAILURE)\nOn XX/XX/XXXX, while the account was still under active dispute investigation, an additionalXX/XX/XXXX(XX/XX/XXXX) unauthorized transactions were processed and posted to my account.\nThese transactions occurred during an ongoing dispute period and demonstrated continued unauthorized activity while the financial institution had full notice of fraudXX/XX/XXXX Failure of Effective Resolution\nThe bank has not provided evidence that I authorized any of the disputed transactions and has instead referenced third-party merchant responsibility. This does not satisfy the banks obligations under Regulation XX/XX/XXXX to conduct a reasonable investigation and determine actual authorization.XX/XX/XXXXDEMAND FOR IMMEDIATE ACTION\XX/XX/XXXXI hereby demand:\n\tImmediate reversal of all XX/XX/XXXX (XX/XX/XXXX) unauthorized transactions\n\tWritten explanation with supporting evidence of any claim of authorization\n\tFull investigation of why additional transactions occurred during an active dispute\n\tPermanent block on all transactions involvingXX/XX/XXXXWritten confirmation of corrective action takenXX/XX/XXXXREGULATORY ESCALATION NOTICE\nThis matter is being formally escalated to the Consumer Financial Protection Bureau,XX/XX/XXXX Department ofXX/XX/XXXX and is submitted contemporaneously with this correspondence.XX/XX/XXXX Harm From Delay and Non-Resolution This matter has remained unresolved since XX/XX/XXXX resulting inXX/XX/XXXXprolonged deprivation of access to funds\n\trepeated time-consuming communications over several months\n\tongoing unresolved dispute status\n\tfailure to achieve final resolution within a reasonable timeframe\nFailure to resolve this matter promptly will result in continued regulatory escalation.\n I reserve all rights and remedies under federal and state law. This matter remains unresolved.\nEnclosed:\nFiled Affidavit and Police report Number \n\nSincerelyXX/XX/XXXX

Company response to consumer: Closed with explanation