Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
I am writing to formally express my concerns and frustrations regarding a recent incident involving a fraudulent check, the mishandling of my personal funds, and the lack of follow-through and customer support from Huntington Bank XXXX 

Earlier this month, I deposited a check I received from a new remote job opportunity. Initially, the check cleared through Huntington Bank without issue. A few days later, my regular paycheck from my primary employer was also deposited into a different account I hold with the same bank. 

Shortly after, I noticed that my account was suddenly negative. I contacted Huntington Bank to ask why this had occurred and was informed that there was a problem with the check I had deposited. I was told I needed to reach out to the issuing bank. I followed instructions and contacted XXXX XXXX XXXX regarding the cashiers check, and they confirmed that the check had cleared on their end. 

I then reached back out to Huntington Bank and spoke with both Customer Service and the Dispute Center. They informed me they would open an investigation. Later that same evening, I discovered that Huntington Bank had removed my entire paycheck from my other accountwithout my knowledge or consentto cover the previously deposited check they were now disputing. This account held the only funds I had to support my children until my next payday. 

I immediately contacted customer service again to understand why this happened and was told to speak with a branch manager. I visited a local branch in person and offered to take responsibility and repay the amount in installments if needed, but I was told they could not assist me and that I had to contact the original branch where I had opened my account. 

On Friday, XX/XX/year>, I called the XXXX, WV branch ( where I originally opened my account ) and left a message for the branch manager, asking to discuss the matter and make arrangements. Unfortunately, no one ever returned my call or followed up in any way. 

I understand that banks must protect themselves from fraud, but I have been met with a lack of communication, poor service, and no willingness to work with me, even when I attempted to resolve the situation responsibly. The automatic withdrawal of funds from my separate account without notice was especially harmful and left me in a financial bind. 

I am requesting : A full review of this incident and the banks handling of it. 

An explanation for why my funds were taken from a separate account without consent or warning. 

A resolution or payment plan so I can recover from this situation without further hardship. 

Accountability for the poor customer service and failure to return my calls or provide support. 

This experience has been incredibly stressful and disappointing, especially as a working parent trying to manage her finances responsibly. I hope to hear from someone at Huntington Bank who can take this matter seriously and provide a fair resolution.

Company response to consumer: Closed with explanation