How to dispute a charge

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.

Huntington customers are automatically enrolled to receive Confirm It fraud alerts as a free service that notifies you of suspicious activity on your debit card or credit card.¹

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.

If you believe someone has used your account without your permission, call (800) 480-2265, 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(s).

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 electronic 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) 480-2265 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.

If a check on your Huntington account was forged, counterfeited, altered, or the endorsement on the back was forged, please fill out our Declaration of Unauthorized Check/Withdrawal form.

• Account holders complete the form for forged, counterfeit, or altered checks.
• If the issue is with the endorsement on the back of the check, the payee listed on the front of the check must complete the form.

Return the completed form to any Huntington Bank branch.