Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I submitted a charge back request for unauthorized charges on my Huntington Bank issued XXXX. ( I subsequently disputed the entire balance of the charge due to the fact the product/services sold to me were not represented honestly, were defective, tainted, altered & ineffective. I was dissatisfied with quality of product/service ( this particular business ( a XXXX  who had previously been sent cease/desist letters from the FTC during Covid & recently had their licensed revoked by AG Ohio for selling unauthorized weight loss medications ) The business violated Ohio consumer laws by failing to provide written service/purchase contracts. I had been promised a comprehensive fee of only {$290.00} for a revision service of previously questionable product/service I paid thousands for but got bad reaction/no results. XXXX offers no refunds but I had email/text from owner & managers verifying their offer to re-do service for this price. After the service, merchant wanted to charge me four times that much & I refused. I also refute their excuses & lies about what was agreed to. I informed staff I was only authorizing {$290.00} to be charged to my card. They said they would confer with the owner about the remainder/put it on my account. I was NOT given any kind of a printed receipt that day nor did I sign a receipt. I did not know until later the merchant charged {$890.00} to my card until I was checking my balances on my accounts. I also noted that the filings they made with the supplier ( that provides rewards points ) did not match up with what the merchant said they gave me. I attempted resolution with the medspa and owner ( who promised to work it out but then ghosted me ) In exasperation, I filed a charge back. I explained to Huntington that the product failed to provide any benefits ( as they market/promote ) and that I had been victimized twice and lost thousands of dollars and that they did not have my authority to overcharge my bank card. I also disputed the purchase due to quality issues & the fact I believe I had been misled about what type & amount of filler products would be injected and for what price. I never agreed in writing or verbally to pay for multiple syringes ( despite what the dubious merchants claims was discussed verbally ) Also, I had been injected the previous time with expired product ( the injector informed me that this was OK, even though I have come to find out that it is never OK to do this ) I had justified reason to dispute not only the {$600.00} I was overcharged and did not agree to but the entire balance of {$890.00} under my FCBA rights. The medspa then sent Huntington a fictitious 'receipt ' that they concocted after the dispute was in process... the date of the receipt was some five weeks after the transaction/service took place. And it lacks my signature because I had never seen nor been given this receipt! The merchant sent in a copy of a consent to treat form to Huntington as part of their so called evidence but that is not the same as a purchase/pricing agreement/contract and does not absolve them from their duty to engage in honest business practices and provide authentic safe products/services for the prices they promise ... whether verbally or in writing. Despite sharing email and text evidence to support the legitimacy of my charge back request and pointing out that the medspa 's 'receipt ' was made up after the fact and not a legitimate receipt, Huntington denied my charge back and dispute. I attempted to appeal this many times, reaching out to various levels of customer service & management to no avail. They have ignored all the evidence I have shown that this is a business engaging in ongoing nefarious fraudulent business practices, has been called out by state and federal authorities for their shady business practices and I believe I was a victim of filler fraud, an attempt by the business to extract more money out of me than what had been agreed to ( but since the business also fails to put their offers and contracts in writing it makes it hard for the consumer to fight for their rights ) That said, given the track record of the merchant, and the fact I provided fulsome evidence in support of my charge back, Huntington erred by unfairly denying me my rights to this charge back! I believe that unless the merchant/medspa had something in writing such as a written signed by me contract or a legitimate receipt signed by me from the actual date of the transaction ( which they do not ) to prove I had actually agreed to pay this shady medspa {$890.00}, then Huntington has no just reason for choosing to rule in favor of the medspa in defiance of my rights to dispute the charges. Again, I was overcharged for dubious defective inauthentic watered down products service and victimized by a medspa being sanctioned by the state for its shady business practices. Then my bank refuses to honor a legitimate charge back request for unauthoized sums that the merchant did not have my authority to put on my card! I also should not have to pay for poor quality dubious harmful products! I have attempted to resolve this with Huntington ( who claims they reached out to XXXX about the matter but I have never seen any evidence that they did so! ) Huntington 's customer relations team has simply refused to engage with me further about the dispute and will not open an appeal that I deserve! I should not have to keep paying for this charge nor the interest attached. Last XXXX I sent request to have senior management reopen and reconsider their ill-gotten decision to deny my rights. I sent a letter about this CASE # XXXX. It was ignored. Recently, because of other discriminatory, predatory actions that the bank has taken against me, I filed another complaint Huntington Complaint Case XXXX ( including this same dispute but other connected events... including their reducing my credit limit to just barely above my balance without forewarning even though at the time they did so, I had good/excellent credit scores/standing and had a consistent balance in my checking over $ XXXX and other than my prior dispute on this errant charge, the bank had no justified reason to reduce my credit limit other than to try to surreptitiously trigger fees or cause me to unknowingly go over my credit limit before I had been sent any warning! They only sent me notice after I had discovered their lowering my limit when I was rejected for another credit I applied for! So, not only is Huntington keeping an unjust unauthorized charge on my credit card and charging me interest for it, they have also harmed my credit scores, caused me to be rejected for other credit, and caused undue financial, emotional harm. I also found out ( due to internal records having been shared with me by the customer relations person handling the complaint ) that Huntington purports their decision to lower my credit limit was just part of some kind of 'internal strategy '. They denied my request to restore my limit to where it had been and claim they had lowered it due to some kind of periodic review of my scores... but I have proof from the credit bureaus and XXXX XXXX that my scores had not changed in any notable way prior to Huntington 's aggressive action. I now believe they did this to either pressure me to pay down my balance or to trigger fees or retaliate and discriminate against me. There are other things the bank did to me that were abusive but that will require another complaint to address. This bank has denied my rights under FCBA and enabled a very dubious merchant to take severe advantage of me. I need the bank to cease and desist from acting in these harmful intimidating ways, to restore my credit limit ( the only reason my score remains lower now is because of what they did to me unfairly ) and I want Huntington and XXXX to immediately credit to my bank card the full {$890.00} for the disputed charges for faulty defective tainted watered down ineffective products I got from a most unscrupulous business that should not even be allowed to be in business given the recent actions by state authorities. I am tired of being ignored and mistreated and it is shameful also that within the discourse of these internal notes I was copied on ( perhaps by accident ) that Huntington has the ability to restore credit limits and waive interest and fees and honor charge backs but that they only do this for their special and wealthier customers. I find it galling that they have different standards and 'strategies ' in place to give certain concessions for some customers and not others. That said, they have done damage to my credit, unfairly denied my credible justified charge back and continue to charge me interest on an unauthorized charge.

Company response to consumer: Closed with explanation