Hey there! Noticed a suspicious charge on your Huntington Bank account? Don’t worry, it happens. Whether it’s a fraudulent transaction, a billing error, or a purchase you didn’t authorize, the Huntington Bank app makes it pretty straightforward to dispute a charge.
Why Dispute a Charge?
Disputing a charge is your way of telling Huntington Bank, “Hey, something’s not right here!” It’s a process to investigate and potentially reverse a transaction. You might need to dispute a charge for reasons like:
- Fraudulent transactions: Someone used your card without permission.
- Billing errors: You were charged the wrong amount or twice for the same thing.
- Undelivered goods or services: You paid for something that never arrived or wasn’t as promised.
- Unauthorized charges: A merchant charged you without your consent.
Huntington Bank takes disputes seriously, and their app is designed to help you report issues quickly. But before you start, let’s make sure you’re ready.
Before You Dispute a Charge
Preparation is key to a smooth dispute process. Here’s what you need to do before you open the Huntington Bank app:
- Check your statement: Look at your account activity to confirm the charge is incorrect. Note the date, amount, and merchant name.
- Gather evidence: Save receipts, emails, or screenshots that show the issue (like proof you didn’t receive an item).
- Act fast: You have 60 days from the date the charge appears on your statement to file a dispute. Don’t wait!
- Try resolving with the merchant: Sometimes, contacting the seller first can fix the issue without a formal dispute.
Got everything ready? Awesome! Now, let’s get to the main event: disputing a charge on the Huntington Bank app.
Step-by-Step Guide to Disputing a Charge on the Huntington App
The Huntington Bank app is user-friendly, but if you’re new to disputing charges, it helps to have a clear roadmap. Follow these steps to report a charge:
Step 1: Log In to the Huntington Mobile App
Download the Huntington Mobile app from the App Store (iOS) or Google Play (Android) if you haven’t already. Open the app and log in using your username and password. If you’re having trouble logging in, use the “Forgot Password” option or call customer service at (800) 480-2265.
Step 2: Navigate to Your Account
Once you’re in, you’ll see your accounts listed (checking, savings, credit card, etc.). Tap on the account with the suspicious charge. For example, if it’s a debit card charge, select your checking account.
Step 3: Find the Transaction
Scroll through your recent transactions to locate the charge you want to dispute. Tap on the transaction to view details like the date, amount, and merchant. Double-check that it’s the correct one before moving forward.
Step 4: Start the Dispute Process
Huntington’s app doesn’t have a direct “Dispute” button for every transaction, but you can initiate the process by contacting support through the app. Here’s how:
- Go to the Service Center or Contact Us section (usually found in the main menu).
- Look for an option like “Report a Problem” or “Customer Service.”
- Select “Dispute a Transaction” or a similar option. If you don’t see this, you may need to call (800) 542-2657 for debit cards or (800) 340-4165 for credit cards to start the process.
Step 5: Provide Transaction Details
You’ll need to share specific info about the charge. Be ready to enter:
- The transaction date and amount.
- The merchant’s name.
- A brief explanation of why you’re disputing (e.g., “I didn’t authorize this” or “I was charged twice”).
- Any supporting evidence (you may need to upload documents later via email or mail).
Step 6: Submit and Lock Your Card (If Needed)
If the charge is fraudulent, lock your card to prevent further unauthorized transactions. In the app, go to Card Controls or Manage Card, and toggle the lock option. If the fraud is confirmed, Huntington will close your card and send a new one within five business days.
Step 7: Wait for the Investigation
After submitting, Huntington will investigate, which can take up to 90 days. They may give you a temporary (provisional) credit while they look into it. You’ll get updates via phone or email, so keep your contact info current. If they need more details, respond quickly to avoid delays.
Here’s a quick table summarizing the steps:
| Step | Action | Tip |
|---|---|---|
| 1 | Log in to the app | Use a secure Wi-Fi connection |
| 2 | Select your account | Double-check the account type |
| 3 | Find the transaction | Note the date and amount |
| 4 | Start the dispute | Look for “Contact Us” or “Service Center” |
| 5 | Provide details | Be clear and concise |
| 6 | Lock card if fraudulent | Prevents further charges |
| 7 | Wait for results | Check email for updates |
What Happens During the Investigation?
Once you file a dispute, Huntington swings into action. They’ll look at the transaction, contact the merchant if needed, and review your evidence. Here’s what to expect:
- Temporary credit: If you reported the issue within 60 days, you might get a provisional credit within 10 business days (20 for new accounts).
- Investigation timeline: It can take up to 90 days for debit card disputes or two billing cycles for credit card disputes.
- Outcome: If the dispute is resolved in your favor, the credit becomes permanent. If not, the temporary credit is reversed, and you’ll get a detailed explanation.
If the charge is confirmed as fraud, your old card is closed, and a new one is mailed to you. You can track the investigation status by calling customer service or checking the app for updates.
Tips for a Successful Dispute
Want to increase your chances of a quick resolution? Try these tips:
- Be prompt: File the dispute as soon as you spot the issue.
- Keep records: Save all communication with Huntington and the merchant.
- Monitor your account: Use the app to check for other suspicious charges.
- Sign up for alerts: Huntington Heads Up® sends real-time notifications for unusual activity. Enable it in the app under Alerts or Settings.
- Stay calm: Disputes can take time, but Huntington’s team is there to help.
Here’s a bulleted list of common reasons disputes get denied (and how to avoid them):
- Late filing: File within 60 days of the statement date.
- Insufficient evidence: Provide receipts, emails, or screenshots.
- Authorized charges: Don’t dispute charges you approved, even if you regret them.
- Merchant resolution ignored: Try contacting the merchant first, if possible.
FAQs: How to Dispute a Charge on Huntington App
Q: Can I dispute a charge directly in the Huntington app?
A: Not always. You may need to call (800) 542-2657 (debit) or (800) 340-4165 (credit) or visit a branch. The app can start the process via the “Contact Us” section.
Q: How long does a dispute take?
A: Up to 90 days for debit cards or two billing cycles for credit cards. You might get a temporary credit sooner.
Q: What if my dispute is denied?
A: You’ll be notified with an explanation. You can appeal by providing more evidence or filing a complaint with the Consumer Financial Protection Bureau (CFPB).
Q: Can I dispute a charge if I lost my card?
A: Yes! Report it as fraud immediately. Lock your card in the app and call customer service to dispute the charge.
Troubleshooting Common Issues
Sometimes, things don’t go as planned. Here are solutions to common hiccups:
- Can’t find the dispute option? Check the Service Center or Contact Us in the app. If it’s missing, call customer service.
- App crashing? Update the app to the latest version or try logging in from a different device.
- No temporary credit? Confirm you filed within 60 days. If not, call to check the status.
- Merchant disputes your claim? Provide extra evidence, like proof of non-delivery, to strengthen your case.
If you’re still stuck, visit a Huntington branch or write to:
The Huntington National Bank
P.O. Box 1558, Attn: GW4W61
Columbus, OH 43216
Include your name, contact info, account number, and dispute details.
Wrapping It Up
Disputing a charge on the Huntington Bank app is a straightforward process if you know the steps. Log in, find the transaction, report the issue, and provide clear details. Act quickly, gather evidence, and use the app’s features like card locking and alerts to stay on top of things.
While the investigation might take a bit, Huntington’s team is there to guide you. If you follow this guide, you’ll be well-equipped to handle any suspicious charges with confidence.
Disclaimer: This blog is for informational purposes only and does not constitute financial, legal, or professional advice. Always consult with a qualified professional or contact Huntington Bank directly for guidance on your specific situation. The information is accurate as of April 24, 2025, but bank policies may change. Check Huntington’s official website for the latest details.
