Huntington Bank: fee reversal

Collect

• statement showing the fee
• available balance by date
• deposit times

Steps

1. Check whether the overdraft was $50 or less, or whether you covered it during the next business day.

2. Call customer service and ask for the fee to be reversed.

   PhoneCustomer service (1-800-480-BANK); lost, stolen or unauthorized debit or ATM card, disputes, suspicious emails +1-800-480-2265 Account holder only

3. If the fee breaks the stated rules and Huntington refuses, complain to the CFPB.

   RegulatorConsumer Financial Protection Bureau +1-855-411-2372

Facts you can cite

• Policy

  Huntington's $50 Safety Zone means overdrafts of $50 or less on consumer accounts are not charged an overdraft fee. An account that stays negative for 60 days is closed automatically.

  Source: ir.huntington.com, verified 2026-10-13

• Policy

  With 24-Hour Grace, Huntington automatically waives the overdraft fee if the customer deposits money during the next business day to cover the overdraft. It is free on consumer checking, savings and money market accounts.

  Source: ir.huntington.com, verified 2026-10-13

Rules not in force (do not cite)

• CFPB Credit Card Penalty Fees Rule ($8 late fee safe harbor, 2024) Vacated
  89 FR 19128 (March 15, 2024) (Regulation Z, 12 CFR 1026.52(b))

  Stayed by the N.D. Texas court in May 2024 (Chamber of Commerce v. CFPB, No. 4:24-cv-00213) and vacated by that court on April 15, 2025 at the CFPB's request after a settlement. The CFPB rule page (last modified June 3, 2024) still says only "stayed"; the vacatur date comes from an April 15, 2025 American Bankers Association report, a plaintiff in the case. The current Regulation Z text has no $8 safe harbor.

  Not in force. Do not cite it as current law.

• CFPB Overdraft Lending Rule for Very Large Financial Institutions (2024) Repealed
  89 FR 106768 (December 30, 2024); disapproved by Pub. L. 119-10 (S.J. Res. 18)

  Not a court vacatur: Congress disapproved the rule under the Congressional Review Act (Pub. L. 119-10, May 9, 2025), so it never took effect and "shall have no force or effect". The CFPB rule page (last modified July 2, 2025) still lists it as a final rule with no status note. What remains in force: the Regulation E overdraft opt-in rule (12 CFR 1005.17) and the account agreement.

  Not in force. Do not cite it as current law.

If that fails, escalate

Go up one step at a time. Keep the reference numbers and dates from each contact.

1. Customer service

   PhoneCustomer service (1-800-480-BANK); lost, stolen or unauthorized debit or ATM card, disputes, suspicious emails +1-800-480-2265 Account holder only

2. Written complaint

   PhoneCustomer service (1-800-480-BANK); lost, stolen or unauthorized debit or ATM card, disputes, suspicious emails +1-800-480-2265 Account holder only
   PhoneConsumer and small business credit card customer service +1-800-340-4165 Account holder only

   No Huntington complaint address could be confirmed. For credit card billing errors, use the billing rights address in your card agreement within 60 days.

3. Federal regulator

   RegulatorConsumer Financial Protection Bureau +1-855-411-2372

4. Federal regulator

   RegulatorOffice of the Comptroller of the Currency, Customer Assistance Group (HelpWithMyBank) +1-800-613-6743

5. State agency

   Your state’s financial regulator. Find it in the list of state agencies (also as JSON: states/<code>.json, for example states/ny.json).

Watch out

Related

• Fee reversal at other companies
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