How to Dispute a Credit Card Charge

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Learn how you can dispute a credit card charge and how to handle fraudulent activity with Huntington Bank.

When you suspect or identify fraudulent activity on your bank account, the next steps can be time sensitive. If you’re a Huntington customer, we encourage you to act promptly by following these steps:

  • Step 1: Contact us, immediately. Call us at (800) 480-2265, visit a Huntington branch, or write to us at The Huntington National Bank, P.O. Box 1558, Attn: GW4W61. If calling, we’ll ask for some information, including the date of the charge and the dollar amount. If writing to us: include your name, contact information, account number, description of the error, and dollar amount.
  • Step 2: Deactivate account. If you are disputing a fraudulent transaction, your current credit card must be closed to help prevent further unauthorized charges. We will then issue you a new credit card. If you need a temporary ATM card to use while you wait for your new credit card to arrive, you may pick one up by visiting a local branch office.
  • Step 3: Investigation. We’ll begin an investigation into the issue. You will either receive a temporary credit or a case resolution within 10 business days. However, temporary credit is typically issued within two business days for posted transactions. During this step, we’ll contact the merchant for more information.
  • Step 4: Wait for results. We’ll contact you via phone and let you know the results of our investigation. At that point, you’ll be advised if additional steps need to be taken. If we’re not able to reach you, and no additional information is required, no further action will be needed, and the dispute will be resolved. If additional information is required, your dispute will remain unresolved until we are able to contact you and obtain the required information.

How Long Does It Take to Resolve a Credit Card Dispute?

Once you initiate a dispute through Huntington, it can take up to two complete billing cycles for research and a resolution. While we investigate, we will not try to collect the amount in question nor consider you delinquent for that amount. Please note: You do not have to pay the amount in question while Huntington investigates, but you are responsible for the remainder of your balance. When the investigation is complete, we’ll tell you the results and detail any adjustments that will be made to your account.

How You Can Protect Your Bank Account

We encourage you to take some preventative steps to help keep your account secure.

If you get an email telling you something is wrong with your account, look at the email very carefully. Does anything look off? If you’re suspicious and wonder if the email really came from us, don’t click any links or download any attachments. Call us at (800) 480-2265. We can help you figure out if the email is legitimate or not.

Monitor your account regularly. Check to make sure there are no unexpected transactions or expected transactions with unexpected amounts. There are typically fraud alerts for checking, savings, and credit card accounts that will monitor your accounts for unusual activity, which can help protect your personal and financial information.

Huntington Heads Up®

These days, we could all use a second set of eyes on our money. Huntington Heads Up® is always monitoring your cash flow and will alert you if something might need your attention, like duplicate charges, or refund notifications.
Learn More

If you’re a Huntington customer, sign up for Huntington Heads Up® fraud alerts¥. Huntington Heads Up® provides real-time alerts tied to your Huntington accounts or debit or credit cards. When you enroll in alerts, you can choose to receive a Huntington Heads Up alert letting you know as soon as your card is used for an online, phone, or mail purchase to help you spot fraudulent charges in advance.

If you can’t find what you’re looking for, let us know. We’re ready to help in person, online, or on the phone. You can call us at (800) 480-2265; daily 7:00 a.m. to 7:00 p.m. ET.

¥ Message and data charges 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.