How to Dispute a Card or Online Charge

Whether your card is stolen, lost, or damaged, call us right away to report the card issue.

Be prepared to provide personal information to verify your identity, which may include your address, account number, or social security number.

woman holds a debit card while reading a computer screen

It can be alarming to see a transaction on your bank account for an item or service you did not purchase – that’s why it’s important to review your finances often. When reviewing your transactions, keep in mind that some businesses and service providers use a different name or billing address.

If you’re a Huntington customer, you’re automatically enrolled to receive Confirm It fraud alerts, which is a free service that notifies you of suspicious activity on your debit or credit card via text, email, or automated phone call§.

Although it isn’t always required, you might also want to consider contacting the business or service provider directly. In some cases, they may be able to issue a refund or resolve the error faster than a bank can.

Also, save any email or other written confirmation for any resolution(s) the business or service provider offers, like a refund, voucher, store credit, or new delivery timeline. If the merchant doesn’t resolve the dispute, follow the instructions below. The more information and documentation you can provide, the more equipped we’ll be to help you.

When Should I File a Dispute?

If you believe someone has used your account without your permission, call (800) 542-2657, visit a Huntington branch, or write to us at The Huntington National Bank, P.O. Box 1558, Attn: GW4W61, as soon as possible. If you plan on writing to us, include your name, contact information, account number, description of error, and dollar amount.

Here are a few examples of when to file a dispute:

  • Multiple charges for the same transaction
  • A subscription you were charged for, but canceled
  • A charge for more than the amount on your receipt
  • A product or service you were charged for, but never received
  • A purchase return or cancellation that you were promised credit for, but you never received

What Happens When You Dispute a Charge?

When you dispute a credit card charge, debit card charge, or online transaction, we will begin an investigation into the transaction, we may provide provisional (temporary) credit to your account and we will inform you of the results of our investigation.

How Long Will It Take to Resolve a Dispute?

Once you initiate a dispute through Huntington, by phone, in-person, or by mail, it can take up to 90 days for research and a resolution depending upon the type of transaction. We might provisionally (temporarily) credit your account so you have the money during the time it takes us to complete our investigation. When the investigation is complete, we’ll tell you the results and detail any adjustments that will be made to your account.

How Long Do I Have to Dispute a Transaction?

You have 60 days from when we sent or made available the first statement on which the error appears.

Can I Cancel a Dispute Already Submitted?

Yes. Call (800) 542-2657 and tell us that the dispute is no longer needed.

What’s the Resolution Process for a Dispute?

If the disputed transaction(s) are confirmed as fraud, we will notify you and your card will be immediately closed. You will be issued a new card that you will receive within five business days. You also can lock your card in the mobile app in the event that you are unsure whether fraudulent activity has taken place and to help avoid further charges.

For additional information on your dispute rights, see your deposit account agreement and your credit card agreement and billing statement.

Card Transactions

If you are disputing an ATM, debit, or credit card transaction, please contact us.

For credit cards, call (800) 340-4165.

For debit cards, call (800) 542-2657.

Or write to:
The Huntington National Bank
P.O. Box 1558, Attn: GW4W61
Columbus, OH 43216

If writing to us, please include your name, contact information, account number, description of the error, and dollar amount.

Online Transaction

If you're disputing an electronic (ACH) debit transaction, sign and submit an ACH Dispute Form.

Fax to (877) 211-1631

Or mail to:
Huntington National Bank
P.O. Box 1558
Attn: GW4W26
Columbus, OH 43216
Download Form

Check Fraud

If your checks were forged, counterfeited, altered, or if the endorsement on the back of a check was forged, complete and sign the Declaration of Unauthorized Check/Withdrawal.

Return the declaration to any Huntington branch.

Download Form

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§ Confirm It texts are free, and the message frequency varies and depends on card use. Message and data rates may apply.

The information provided in this document is intended solely for general informational purposes and is provided with the understanding that neither Huntington, its affiliates nor any other party is engaging in rendering financial, legal, technical or other professional advice or services, or endorsing any third-party product or service. Any use of this information should be done only in consultation with a qualified and licensed professional who can take into account all relevant factors and desired outcomes in the context of the facts surrounding your particular circumstances. The information in this document was developed with reasonable care and attention. However, it is possible that some of the information is incomplete, incorrect, or inapplicable to particular circumstances or conditions. NEITHER HUNTINGTON NOR ITS AFFILIATES SHALL HAVE LIABILITY FOR ANY DAMAGES, LOSSES, COSTS OR EXPENSES (DIRECT, CONSEQUENTIAL, SPECIAL, INDIRECT OR OTHERWISE) RESULTING FROM USING, RELYING ON OR ACTING UPON INFORMATION IN THIS DOCUMENT EVEN IF HUNTINGTON AND/OR ITS AFFILIATES HAVE BEEN ADVISED OF OR FORESEEN THE POSSIBILITY OF SUCH DAMAGES, LOSSES, COSTS OR EXPENSES.