Huntington Bank

Complaints & Reviews on USAComplaints

USAComplaints currently maintains 64 historical complaints about Huntington Bank, published between 2004 and 2019. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources below.

• Falsely charged $10 for Returned Deposit Item FeePublished Jun 24, 2019 · Historical consumer allegation
• Consumer ReportPublished May 13, 2013 · Historical consumer allegation
• Kept Mortgage App DepositPublished Dec 29, 2012 · Historical consumer allegation
• Huntington Bank Excellent ServicePublished Dec 6, 2012 · Historical consumer allegation
• Overdraft fee in 24hr a day overcharged fees each dayPublished Nov 4, 2012 · Historical consumer allegation
• They took out an auto withdrawel 4 days early charged me 69.00 in overdraft fee. My insurance company who had my auto pymnt did not authorise to take out 4 days early on 8th of each month. Called diPublished Oct 18, 2012 · Historical consumer allegation
• Misleading informationPublished Sep 26, 2012 · Historical consumer allegation
• Their Choice of Appraisal CompanyPublished Sep 12, 2012 · Historical consumer allegation
• Rude and Heartless customer servicePublished Sep 1, 2012 · Historical consumer allegation
• MortgagePublished Aug 21, 2012 · Historical consumer allegation
• Inconvenient and limited!Published Jul 17, 2012 · Historical consumer allegation
• Account Address/Debit CardPublished Jun 4, 2012 · Historical consumer allegation
• MisleadPublished Jan 23, 2012 · Historical consumer allegation
• Bank feesPublished Dec 28, 2011 · Historical consumer allegation
• 24 hr grace periodPublished Nov 15, 2011 · Historical consumer allegation
• Excessive overdraft chargesPublished Aug 7, 2011 · Historical consumer allegation
• Grace PeriodPublished Apr 27, 2011 · Historical consumer allegation
• MisrepresentationPublished Apr 5, 2011 · Historical consumer allegation
• Holding DepositsPublished Mar 14, 2011 · Historical consumer allegation
• DiscriminationPublished Feb 21, 2011 · Historical consumer allegation

Complaint Themes

Each tag reflects a complaint's single primary theme (not every angle it raised), and complaints outside any problem theme — a positive report, or one later retracted by its author — aren't tagged. Counts may total less than the full complaint count above.

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Contacts

• Official website: https://www.huntington.com/
• General customer service, checking and savings, disputes and fraud on personal accounts (daily 7 a.m: (800) 480-2265 8 complaints mention this number
• Credit card customer service (24/7): (800) 340-4165
• Loan customer service (daily 7 a.m.-8 p.m. ET): (800) 445-8460 1 complaint mentions this number
• Mortgage customer service: (800) 323-4695
• Overdrawn checking/savings account payment assistance: (800) 472-2658
• Online banking technical support (daily 7 a.m.-8 p.m. ET): (877) 932-2265
• Business banking customers: (800) 480-2001
• Former Cadence Bank customers (transition questions): (888) 797-7711
• Report a suspicious email or identity-theft concern: [email protected]
• Former Veritex Bank customers, personal banking (transition questions): (800) 823-2265 15 complaints mention this number
• Former Veritex Bank customers, business and commercial banking assistance: (888) 697-4693

Locations

Problem with a Huntington account? Where disputes, overdraft fees, holds and complaints go

Huntington Bank is The Huntington National Bank. Its Contact Us page lists (800) 480-2265 (daily 7:00 a.m. to 8:00 p.m. ET) as the general customer-service number for checking and savings accounts, and separate lines for credit cards ((800) 340-4165), loans ((800) 445-8460), mortgages ((800) 323-4695) and overdrawn-account payment assistance ((800) 472-2658). The steps below come from Huntington's own pages and its Consumer Deposit Account Agreement (effective March 15, 2026); your own account documents control if they differ.

Disputing a charge or reporting fraud. Huntington's "How to dispute a charge" page says to call (800) 480-2265 for ATM or debit cards, ACH, Bill Pay, Huntington Instant Pay and Zelle, and (800) 340-4165 for consumer or small-business credit cards. Its debit-card dispute page adds a mailing route: "The Huntington National Bank, P.O. Box 1558, Attn: GW4W61, Columbus, Ohio 43216," with your name, contact information, account number, a description of the error and the dollar amount. The dispute page says "You have 60 days from when we sent or made available the first statement on which the error appears," and that a dispute "can take up to 90 days for research and a resolution depending upon the type of transaction." The debit-card page says that if you report within 60 days you "will either receive a temporary credit or a case resolution within 10 business days or for new customers within 20 business days." The account agreement's electronic-transfer section describes up to 45 days to investigate (90 days for new accounts), with a provisional credit if the bank needs more than 10 business days, and says liability for a lost or stolen card can be limited to $50 if you report within two business days, and up to $500 after that.

Unauthorized checks, branch withdrawals and online wires. The same dispute page treats these separately from card and electronic charges: "If you believe a check, withdrawal, or online wire transfer on your Huntington account was unauthorized, please complete our Declaration of Unauthorized Withdrawal." It says the form may be used for forged, counterfeit, altered or remotely created checks, unauthorized withdrawals completed in a branch, and unauthorized online wire transfers; that if the problem is the endorsement on the back of a check, the payee listed on the front must complete it; and "Return the completed form to any Huntington branch." Huntington publishes one form for checking and savings accounts and another for credit card and personal lines of credit.

Overdraft fees. Huntington's overdraft page says: "If you overdraft up to $50, you won't be charged an overdraft fee," and that under 24-Hour Grace "You have until midnight Central Time the next business day to deposit the funds in your account to avoid a transaction being returned or being charged an overdraft fee." The same page lists a $15 overdraft fee (limit of 3 per day) and $0 for returned items, and says ATM and debit-card overdraft coverage requires an opt-in while checks and electronic payments default to opt-in. It adds that "The bank pays overdrafts at our discretion." It also states: "Your account will be automatically closed if it remains negative in any amount for 60 days, including if your account is overdrawn within our $50 Safety Zone." Fees differ by account type; the page tells customers to see their Personal Account Charges Form.

Holds and closures. The account agreement says "We may close your Account at any time, for any reason, with or without notice to you," and that if the bank suspects fraud or a non-permissible use "we may place a hold on your Account and refuse to accept deposits to the extent not prohibited by law." For restricted access it says the bank "usually will not notify you of the activity in question." Its funds-availability policy says cash deposits are available the same day and the first $500 of check deposits may be available immediately for customers of more than 30 days, with the rest the next business day and a "Longer Delays May Apply" section for other cases. On closure, the agreement says: "We will return the balance in your Account, less any fees or service charges, claims, set-offs or other amounts you owe us. After your Account is closed, we have no obligation to accept deposits, pay any outstanding checks or honor any other withdrawal or transfers." An earlier clause adds that, for example, a direct deposit sent to a closed account "will be rejected." If a hold or closure is unexplained, ask the bank in writing for the reason and the agreement clause it relied on.

Complaining outside the bank. Among the Huntington pages checked on 2026-09-30, the Contact Us page lists product phone lines and, for mortgage errors and qualified written requests, The Huntington National Bank, P.O. Box 340996, Columbus, OH 43234, but no separate complaints page or complaints address was identified. The CFPB says it will "send your complaint directly to the company" and that "Companies generally respond in 15 days," with some final responses taking up to 60 days; its online form is at consumerfinance.gov/complaint and its phone number is (855) 411-2372. Because Huntington is a national bank, the Office of the Comptroller of the Currency (OCC) also takes complaints through HelpWithMyBank.gov, Customer Assistance (800) 613-6743, Monday to Friday 7:00 a.m. to 7:00 p.m. CT. The OCC says to "Try to resolve your issue directly with your bank first," and lists things it cannot do, including "Seek monetary compensation" and "Act as a court of law."

Former Cadence or Veritex customers. Huntington's Veritex page says "Your Veritex Bank accounts and services transitioned to Huntington Bank on January 20, 2026," that new account and routing numbers were provided by mail and in online banking, that Veritex online and mobile banking has ended, and that the Veritex debit card is no longer active. It lists (800) 823-2265 for personal banking questions and (888) 697-4693 for business and commercial banking assistance. Its online-banking page says "If you were enrolled in Zelle at Veritex Bank, you will need to reenroll," that transfers between your accounts "won't carry over automatically" and must be reestablished, and that paperless statements require re-enrolling in eStatements; account balances, transaction history and scheduled Bill Pay payments are described as transferring automatically. For Cadence, see the company background section: Huntington lists (888) 797-7711 for questions and says Cadence accounts transitioned in June 2026.

Arbitration clause. The deposit agreement contains an arbitration provision (American Arbitration Association) with a class-action waiver. It says you may reject arbitration for an account by certified-mail notice to Deposit Account Arbitration, P.O. Box 1558, Columbus, OH 43272, received "within thirty (30) calendar days after the date we first provide you with this Arbitration Provision," that the bank will not choose to arbitrate an individual claim you bring in small-claims court (unless it is transferred, removed or appealed), and that court or arbitration claims must be filed within one year of the conduct at issue ("to the extent permitted by law").

Regulator and government actions checked

The CFPB's enforcement-actions search, filtered for the title "Huntington," returned "no results" when checked on 2026-09-30, so no CFPB enforcement action naming Huntington was identified in that source. The same search returned a result for a control query ("Westlake"). No CFPB or OCC order about 24-Hour Grace or overdraft fees was identified in the sources checked on 2026-09-30.

The OCC's Enforcement Actions Search, queried for "Huntington National Bank" on 2026-09-30, lists one institution-level action: a Formal Agreement dated February 28, 2005 (No. 2005-15) between The Huntington National Bank and the OCC, based on an August 31, 2004 examination, with articles covering management, internal audit, accounting policy and procedures, and the allowance for loan and lease losses. The OCC terminated it on October 6, 2005 (No. 2005-150). The search also lists orders against individual former bank personnel that name Huntington as the institution (2004, 2014, 2019, 2023 and 2025); those are actions against individuals, not orders against the bank.

Federal Reserve written agreement, 2005. The Federal Reserve Board's March 1, 2005 press release announced a Written Agreement between Huntington Bancshares Incorporated, the parent company, and the Federal Reserve Bank of Cleveland addressing "deficiencies relating to the company's corporate governance, internal audit, risk management and internal controls over financial reporting, accounting policies and procedures, and regulatory reporting," announced in coordination with the OCC's formal agreement with the bank. Huntington's Form 10-Q for the quarter ended March 31, 2006 says that on May 10, 2006 the Reserve Bank notified Huntington's board that it had satisfied the provisions of the written agreement dated February 28, 2005 and that the agreement had been terminated.

Department of Justice, October 13, 2023. The U.S. Attorneys for the Southern District of Ohio, Northern District of Ohio and Eastern District of Michigan announced a settlement agreement with the bank about online banking access for Social Security Representative Payees under Title III of the Americans with Disabilities Act. The release says that in February 2021 Huntington "terminated the ability of individuals acting as SSRPs to use Huntington's electronic banking services," and that under the agreement Huntington "must provide SSRPs with full access to its online banking system" and notify current and past account holders of the policy change. It also states: "The claims resolved by this settlement are allegations only and there has been no determination of liability. In agreeing to the settlement terms, Huntington denied all liability under the ADA." The release gives no dollar amount.

SEC, June 2, 2005. A securities-disclosure matter rather than an account-servicing one: according to the SEC's proposed distribution plan, the Commission entered an order against Huntington Bancshares, Inc. and three officers, with settlement offers accepted "without admitting or denying the Order's findings," and Huntington consented to a civil judgment for a $7,500,000 civil money penalty, also "without admitting or denying" the allegations. The plan says Huntington was also ordered to pay disgorgement and prejudgment interest of $1, and defines the Distribution Fund as the $809,485.29 in disgorgement and prejudgment interest and $7,825,000 in penalties paid by all the respondents.

This list covers the CFPB and OCC databases, an SEC distribution plan, a Federal Reserve press release and a Department of Justice release; it does not cover every federal or state regulator, and searches of the Federal Reserve's enforcement database and of state attorneys general databases were not completed.

Company background: The Huntington National Bank, Veritex and Cadence

Who the company is. Huntington Bank is the brand of The Huntington National Bank, the only bank subsidiary of Huntington Bancshares Incorporated, a Maryland-organized bank holding company headquartered in Columbus, Ohio whose stock trades on Nasdaq as HBAN (FY2025 Form 10-K). The 10-K says the company has been "servicing the financial needs of our customers since 1866"; the FDIC's BankFind data for the bank (certificate 6560) shows an establishment date of January 6, 1866 and the OCC as its primary regulator. Huntington's website footer says "The Huntington National Bank is an Equal Housing Lender and Member FDIC." The 10-K says the company operated more than 1,000 branches in 14 states as of December 31, 2025.

Earlier acquisition. Huntington's FY2016 Form 10-K says that on August 16, 2016 Huntington completed its acquisition of FirstMerit Corporation; the CFPB database still carries a separate company entry for the former FirstMerit branch (see the complaint record).

Veritex and Cadence. According to Huntington's June 30, 2026 Form 10-Q, Huntington completed its acquisition of Veritex Holdings, Inc. (Dallas, Texas) effective October 20, 2025, and its acquisition of Cadence Bank (Houston, Texas and Tupelo, Mississippi) effective February 1, 2026, "whereby Cadence merged with and into Huntington National Bank, with Huntington National Bank as the surviving bank." Huntington's February 2, 2026 press release said the combined company would have nearly 1,400 branches in 21 states, that it intended to maintain Cadence's branch network with no branch closures, and that Cadence customer accounts were expected to convert to Huntington's systems in mid-2026. Huntington's Cadence transition page states that Cadence Bank branches closed at their usual time on Thursday, June 18, 2026 and "will reopen as Huntington on Monday, June 22, 2026," that Cadence online and mobile banking access has ended, that "some loans may not be viewable online until June 25, 2026," that Cadence credit cards are no longer active, and that customers who used Zelle through Cadence must enroll with Huntington. The page gives (888) 797-7711 for questions. The Cadence transition page also tells customers to review transferred Bill Pay payments and re-establish automatic credit-card payments.

Veritex transition. Huntington's Veritex page states that Veritex Bank accounts and services transitioned to Huntington on January 20, 2026 (see the practical steps above for contact numbers and re-enrollment items).

Vendor data incident (2023). In notices filed with state attorneys general, Alogent Holdings, Inc. reported that between May 30 and June 1, 2023 a zero-day vulnerability in Progress Software's MOVEit Transfer application, used by Alogent, led to a server compromise that "exposed data, which included account information, related to checks processed through Alogent's customer, Huntington Bank." A sample notice on the California Attorney General's site says the data set "included account and routing numbers, name, address, phone, check payee and remittance amount" and offered 12 months (24 months where required) of identity monitoring through IDX. Washington's Attorney General lists the notice as dated August 22, 2023 and affecting 4,000 Washingtonians. The notices describe the compromise as occurring at Alogent.

Newest events. The Form 8-K filings Huntington Bancshares made from July through September 2026, checked on 2026-09-30, report earnings, dividends, an investor-conference presentation and executive changes; none describes a consumer-facing change.

Branch consolidations. WDIV Local 4 reported on July 18, 2026 that a Huntington spokesperson confirmed the closure of 13 Michigan branches by the end of August as a result of a review of its distribution network; the spokesperson is quoted as saying "Every Michigan branch being consolidated has another Huntington branch within approximately 10 minutes."

Complaint record: USAComplaints, CFPB, BBB, Trustpilot and ComplaintsBoard, reported separately

Each source below covers a different population and method; none of these figures is added to or averaged with another. Figures are as displayed on 2026-09-30.

• USAComplaints: this site has 64 published complaints that name Huntington Bank or The Huntington National Bank as the offender, posted between 2004 and 2019 (2004: 3, 2005: 1, 2006: 5, 2007: 5, 2008: 9, 2009: 18, 2010: 2, 2011: 8, 2012: 11, 2013: 1, 2019: 1). They are consumers' own accounts and have not been independently verified. Two further posts that mention Huntington as a lender or as one of several banks are linked as mentions only.
• CFPB Consumer Complaint Database (company "HUNTINGTON NATIONAL BANK, THE"): 9,006 complaints from January 18, 2012 through September 25, 2026, of which 1,936 were received in the 12 months from September 30, 2025. All-time products: checking or savings account, 4,479; mortgage, 1,137; bank account or service, 797; credit reporting or other personal consumer reports, 475; vehicle loan or lease, 462; money transfer, virtual currency, or money service, 355. In the last 12 months the top issues were Managing an account (698), Closing an account (176), Incorrect information on your report (136), Problem with a lender or other company charging your account (127), Problem caused by your funds being low (76), Trouble during payment process (73) and Opening an account (72); top states were OH (515), MI (321), IL (217), TX (110) and MN (104). Company responses over all years: closed with explanation, 6,112; closed with monetary relief, 1,879; closed with non-monetary relief, 894; in progress, 43; closed without relief, 33; closed, 30; 8,999 marked timely and 7 not. The database also has a separate company entry, "HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH," with 365 complaints, which is not included in the total above. The CFPB does not verify the facts alleged in a complaint, and counts are not a representative sample of customers.
• BBB (BBB profile for The Huntington National Bank, Columbus, OH): BBB Accredited with a BBB Rating of A+; 979 complaints in the last 3 years, 310 closed in the last 12 months; customer reviews 1.09 out of 5, average of 407 customer reviews. BBB's raw data lists the file as accredited since 1921 and a business start in 1866. BBB notes on the profile: "As of April 18, 2023 ... due to the high volume of complaints received for this business, BBB may publish 1 out of every 4 complaints handled through our conciliation process."
• Trustpilot (www.huntington.com): 317 reviews, displayed score 1.2, 157 reviews shown for the last 12 months, an unclaimed profile. Trustpilot shows the notice "This company hasn't invited their customers, so reviews may not be representative."
• ComplaintsBoard: the listing for Huntington Bank shows 10 reviews and 253 complaints, offers "Claim Your Business," and was marked updated September 26, 2026.

Lawsuits naming Huntington

Huntington's FY2025 Form 10-K and June 30, 2026 Form 10-Q say it is a party to pending and threatened legal and regulatory proceedings in the ordinary course of business, that management estimates the aggregate range of reasonably possible loss in excess of accruals at $0 to $75 million at June 30, 2026, and that management "does not believe that loss contingencies arising from pending matters will have a material adverse effect on the consolidated financial position of Huntington." The only proceeding the 10-Q describes is a Louisiana state-court receivership action involving an $8 million Main Street Lending Program loan made by Cadence Bank, which Cadence made before the merger. Wage-and-hour, commercial-collection and individual customer suits are not listed here; the matters below are the class actions identified in the dockets and filings reviewed on 2026-09-30. No class settlement with an open claim period was identified in the sources checked on 2026-09-30.

Class Action Settlement Administration Litigation (MDL No. 3162). The pending matter is a multidistrict litigation in the U.S. District Court for the District of Columbia before Judge John D. Bates. One of the transferred complaints, Whalen et al. v. Epiq Systems, Inc. et al. (N.D. Cal. No. 3:25-cv-04522, filed May 28, 2025), names The Huntington National Bank and Western Alliance Bank as the "Bank Defendants" and three settlement administrators as defendants. It alleges that administrators received undisclosed kickbacks from the banks for steering class-settlement funds to them even though, the complaint says, those banks pay a lower interest rate than major banks that do not pay kickbacks. These are allegations only. The Judicial Panel on Multidistrict Litigation's transfer order is dated December 12, 2025; counsel appeared for Huntington National Bank on January 21, 2026. The docket shows a Consolidated Class Action Complaint filed May 18, 2026 that lists The Huntington National Bank among the defendants; on July 17, 2026 Huntington National Bank and Western Alliance Bank filed a motion to dismiss the Consolidated Class Action Complaint; on September 15, 2026 plaintiffs filed responses to the defendants' motions to dismiss; and a status conference is entered for September 23, 2026. The docket entries reviewed do not state the grounds of the motion or a ruling on it, and no settlement appears on the docket.

FirstMerit overdraft class actions (settled 2017). Huntington's June 30, 2017 Form 10-Q describes two class actions filed beginning in December 2010 in the Summit County and Lake County Courts of Common Pleas against FirstMerit (acquired by Huntington on August 16, 2016) on behalf of Ohio residents with FirstMerit checking accounts who incurred overdraft fees "as a result of the alleged re-sequencing of debit transactions." The parties reached a global settlement of approximately $9 million in cash to a common fund plus $7 million in debt forgiveness; the filing says the settlement "received final approval on June 2, 2017 and there has been no appeal, so the settlement is final."

Majestic Building Maintenance. In Majestic Building Maintenance's complaint (S.D. Ohio No. 2:15-cv-3023), the plaintiff alleged that Huntington refused to refund money paid out of business customers' accounts on forged and fraudulent items, and that its business account disclosures shifted liability for such items to customers who did not use unspecified fraud-protection products. The docket shows: the court granted Huntington's motion to dismiss on November 3, 2016; a July 20, 2017 docket entry records the Sixth Circuit's opinion and judgment "reversing the district court's order of dismissal and remanding the case with instructions to allow Plaintiff an opportunity to amend the complaint and conduct discovery"; a first amended class action complaint was filed December 15, 2017; and the plaintiff and Huntington filed a stipulation of dismissal on May 29, 2019. The docket entries reviewed do not state the settlement terms and show no class-certification ruling. A second class action complaint by the same plaintiff (No. 2:18-cv-1512), filed November 23, 2018, was reassigned to the same judges as a related case and voluntarily dismissed by the plaintiff on December 18, 2018.

Is Huntington Bank Legitimate?

The Huntington National Bank is a national bank organized in Columbus, Ohio. The FDIC's institution data (certificate 6560) lists it as active, established January 6, 1866, regulated by the OCC, with Huntington Bancshares Incorporated as its holding company; Huntington Bancshares files annual and quarterly reports with the SEC and trades on Nasdaq as HBAN. Its website footer states the bank is a Member FDIC. BBB lists it as accredited with an A+ rating.

The public record also includes a 2005 OCC formal agreement with the bank (terminated the same year), a 2005 Federal Reserve written agreement with the parent company (terminated in 2006), a 2005 SEC settled order against the parent company, a 2023 Department of Justice ADA settlement in which Huntington denied liability, a 2023 vendor data incident, complaint volumes in the CFPB database and on BBB that are reported in the complaint-record section, a 2017 settlement of FirstMerit overdraft class actions, a pending multidistrict litigation in which the bank is a defendant, and two business-customer class-action dockets that ended by dismissal. This page assigns the bank no rating or verdict of its own; the sources above are reported so readers can weigh them.

Court & Public Records

Related Complaints

Names this company in a role other than the primary subject — not necessarily current or complete.

• Named as an affiliate: Processing transactions to their own advantage. Toledo
• Named as the creditor: Refinance Ripoff

Company Relationships

• Owned by: Huntington Bancshares Incorporated
• Affiliated with: Cadence Bank
• Affiliated with: Veritex Community Bank

Frequently Asked Questions