Debt collection -- Attempts to collect debt not owed -- Complaint #7652106
Complaint Overview
Complaint ID: 7652106
Company: Huntington National Bank, The
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: California
ZIP Code: 93906
Date Received: 2023-10-05T12:00:00-05:00
Date Sent to Company: 2023-10-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I noticed an account on my credit reports from a company called HUNTINGTON NATIONAL BANK that I never had any business relationship with. HUNTINGTON NATIONAL BANK was attempting to collect on a an alleged debt in the amount of {$1100.00}. I have had my identity stolen and sent HUNTINGTON NATIONAL BANK a letter via certified mail XX/XX/2023 notifying them about this fraudulent account including a copy of my Identity Theft report asking them to please delete the fraudulent account from my credit reports. I also disputed this fraudulent HUNTINGTON NATIONAL BANK account with the credit bureaus. HUNTINGTON NATIONAL BANK however continued reporting this fraudulent HUNTINGTON NATIONAL BANK account with the credit bureaus. XX/XX/2023 I noticed HUNTINGTON NATIONAL BANK still reporting this fraudulent HUNTINGTON NATIONAL BANK account with the credit bureaus. I then sent HUNTINGTON NATIONAL BANK a DEBT VALIDATION LETTER via certified mail XX/XX/2023 requesting the agreement between HUNTINGTON NATIONAL BANK and myself and the original application for the account. HUNTINGTON NATIONAL BANK violated the FCRA 15 U.S.C. 1681g ( d ) by failing to provide the evidence requested after being notified about the identity theft. FCRA 15 U.S.C. 1681g ( e ) states .... a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) HUNTINGTON NATIONAL BANK was required to cease collection efforts until the alleged debt was validated but failed to do so. HUNTINGTON NATIONAL BANK continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). I saw the fraudulent HUNTINGTON NATIONAL BANK account XX/XX/2023 on my credit reports. I then sent HUNTINGTON NATIONAL BANK a FAILURE TO RESPOND letter via certified mail XX/XX/2023. HUNTINGTON NATIONAL BANK violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. HUNTINGTON NATIONAL BANK violated the FDCPA 15 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. HUNTINGTON NATIONAL BANK violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated. Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) HUNTINGTON NATIONAL BANK was required to cease collection efforts until the alleged debt was validated but failed to do so. HUNTINGTON NATIONAL BANK continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). Additionally, HUNTINGTON NATIONAL BANK FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a FAILURE TO RESPOND letter via certified mail XX/XX/2023. HUNTINGTON NATIONAL BANK violated the FCRA 15 U.S.C. 1681i by not validating the alleged debt within 30 days. I saw the fraudulent HUNTINGTON NATIONAL BANK account XX/XX/2023 on my credit reports and it is still there as of this filing.
Frequently Asked Questions
What is Complaint #7652106 about?
Complaint #7652106 was filed against Huntington National Bank, The regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-10-05T12:00:00-05:00.
How did Huntington National Bank, The respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Huntington National Bank, The?
Yes, visit the Huntington National Bank, The company profile at readthecomplaint.com/company/huntington-national-bank-the to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.