Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IN, XXXX Email Address : XXXX Phone Number : ( XXXX ) XXXX Date : XX/XX/year> To : Huntington Bank Customer Service Attn : Fraud Department Subject : Urgent : Dispute of Fraudulent Activity and Request for Immediate Action on Provisional Credit Dear Huntington Bank Team, I am writing to formally address a critical issue regarding my account with Huntington Bank, which has been subject to fraudulent activity, identity theft, and a subsequent closure due to suspicious activity. My name is XXXX XXXX, and I have previously spoken with your colleagues regarding this matter. Unfortunately, despite initial contact and communication with the fraud department ( or related dispute team ), I have yet to receive the provisional credit promised to me. 

Background : The account in question was closed due to unusual and suspicious activity which was clearly compromised by a third party, and I did not authorize or consent to any of the activities that took place. I strongly believe this is a case of fraud and identity theft. As a result, significant funds were stolen from me, and I am now seeking immediate resolution, as well as provisional credit for the amounts lost. 

Previous Actions : On XX/XX/year>, I spoke with a supervisor at Huntington Bank, who confirmed that my dispute was initiated, and an email was forwarded to the Fraud Manager Team or the Dispute Department regarding the fraud claim. 
I was informed that I would receive provisional credit for the lost funds within 7 to 10 business days after the Fraud Team reviews the details of my claim. 

However, as of today, I have yet to receive any further communication or the provisional credit that was promised. I am requesting immediate clarification and action on this matter. 

Urgency : This situation is incredibly urgent as I have lost a significant amount of funds, and the delay in issuing the provisional credit is only prolonging the financial distress caused by this fraudulent activity. This is identity theft and a violation of my consumer rights. I have not authorized these transactions, and as such, I am requesting that my claim be handled promptly. 

Legal Reference and Request for Immediate Action : To ensure compliance with federal and state law, I am citing the following regulations and codes that govern such matters : Federal Regulations : 15 U.S.C. 1693g : Electronic Fund Transfer Act - Provisions for errors, fraud, and unauthorized transactions on accounts. 
15 U.S.C. 1681 : Fair Credit Reporting Act - Rights of consumers in cases of identity theft.

18 U.S.C. 1028 : Identity Theft and Assumption Deterrence Act - Criminal penalties for identity theft.

State of Indiana Laws : Indiana Code 24-4.5-3 : Fraudulent Transfers and Claims - Protection of consumers against fraudulent activity in financial transactions.

Indiana Code 24-5-0.5-4 : Identity Theft Protection - Procedures for reporting and remedying identity theft in the state. 

Immediate Resolution Request : I request that the following actions be taken immediately : 1. Issue Provisional Credit for the amount of funds stolen from my account, as outlined in the original dispute.

2. Provide a detailed explanation of the actions taken by Huntington Banks Fraud Team to review and resolve this matter. 
3. Confirm the expected timeframe for resolution and the issuance of a final refund or reimbursement. 

Additionally, I am in the process of submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to ensure that this matter is addressed promptly and in accordance with consumer protection laws. This is an urgent matter, and I expect swift action. 

Conclusion : I trust that Huntington Bank will take this matter seriously and resolve this situation as quickly as possible. Please provide confirmation of the provisional credit and any updates on the status of my dispute within 7 business days of receiving this letter. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX Your Account Number : XXXX Email Address : XXXX Phone Number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation