Consumer complaint received 2026-02-25 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: OH

Complaint narrative:
Product : Checking account / Debit cardIssue : Problem with a purchase shown on my statementCompany : Huntington Bank What happened I am filing a complaint because Huntington Bank denied my debit card dispute despite receiving clear documentation that the merchant failed to honor the written cancellation and refund terms of a signed financial agreement. I paid for a surgical procedure with multiple forms of payment, including my Huntington debit card, XXXX, and XXXX financing. The total cost of the procedures was {$24000.00}. The merchants written financial agreement states that if XXXX is canceled 21 days or more prior to the scheduled date, the patient is entitled to a refund of the balance paid, minus the required deposit. My XXXX was scheduled for XX/XX/XXXX, XXXX canceled in writing on XX/XX/year>, which is 32 days prior to the scheduled XXXX date, well beyond the 21-day requirement. The merchant : * Acknowledged receipt of my cancellation * Confirmed in writing that my XXXX had been canceled * Did not issue the contractually required refund I provided Huntington with : * The signed financial agreement showing the 21-day cancellation refund requirement * Proof of payment * Email documentation showing the date I canceled * Written confirmation from the merchant that the XXXX was canceled * Documentation showing the timeline of events Huntington denied my claim stating that there was insufficient information, even though a branch employee reviewed my documents and confirmed that the documentation was complete. Contract modification issue The merchant later claimed that only 25 % of the total amount was refundable. However : * I never signed a revised financial agreement * No updated contract was provided to me * The only change ever communicated was an extension of time to schedule XXXX An extension of time does not change the financial terms of a signed agreement, and I never agreed in writing to any new refund policy. Therefore, the original cancellation terms remain in effect. Deposit clarification Although the contract references a 20 % deposit, I did not pay a 20 % deposit due to a promotional arrangement. However, the merchant is still in possession of significant funds I paid, including : * Payments made through Huntington debit card ( amount in dispute ) * {$8600.00} paid through CareCredit ( already partially refunded by CareCredit ) * {$1500.00} paid through XXXX financing This confirms the merchant received and retained substantial funds while refusing to follow the written refund terms. Why I am filing this complaint This is not a case of dissatisfaction with services. This is a case where : * I followed the written cancellation policy * The merchant acknowledged my cancellation * The merchant failed to issue the required refund * Huntington denied my claim without conducting a reasonable investigation as required under Regulation E

Company response to consumer: Closed with explanation