Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/13/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a lawsuit from them saying they bought a debt I owed from a company. I would like documentation of that debt. While I did do business with that company, the amount they are stating that I owe is incorrect. I believe it is either paid in full or almost paid in full. Also, I am requesting that this debt be sent to the original creditor as I do not have a contract with this company and have no debt with them. I would like proof from the original company of payments and debt

  

  Business Response

  Date: 03/14/2025

  Our company is in receipt of and has reviewed, the complaint
  submitted by ******** *****and forwarded to our company on March 14,2025.
  Huntington Debt Holding, LLC (HDH) is a passive debt purchasing company that
  purchases outstanding debt and utilizes third party collection agencies to
  service accounts. HDH does not collect on, nor do we engage in credit reporting
  activities with respect to the accounts that are purchased. An ******* account
  in the name of the consumer was purchased on or about January 12th,
  2023. As this account is currently in active litigation, the consumer will need
  to contact the law firm of *** ***** *** ***** **** *** ******** **** ***** ********* ** *****, ###-###-####. The attorney will be able to provide all of the
  documentation and will answer any of the consumer’s questions. We will be
  closing the complaint at this time.

• Initial Complaint

  Date:03/10/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Date of transaction was 12/22.
  Amount of money paid was $109 by someone else, not myself. I did not know anything about this account and/or transaction.
  The nature of the dispute is that I believe that I am the victim of identity theft since I did not take out this loan.
  This business gave me four different phone numbers that did not work and two different loan names: **** and *********** that they said had attained this account. Now, **** *******.
  This issue does not involve advertising.

  

  Business Response

  Date: 03/13/2025

  Our company is in receipt
  of and has reviewed, the complaint submitted by ****** ******* and forwarded
  to our company on March 11,2025. Huntington Debt Holding, LLC (HDH) is a passive debt purchasing company that purchases outstanding debt and utilizes third party collection agencies to service accounts. HDH does not collect on, nor do we engage in credit reporting activities with
  respect to the accounts that are purchased. An **** account in the name of the consumer was purchased on or about November 15, 2022. The account was sent to several agencies for collection until it was sold to *********** Portfolio, another debt buyer, on or about February 22.2024. Of note, the consumer ignored all prior attempts and has chosen this forum to present their complaint. When the consumer contacted HDH on March 6, 2025 she was referred to *********** Portfolio, the current and rightful of the **** account. I have attached a signed contract for the consumer's review. This will validate the account per the FDCPA. As HDH has performed all activities in a lawful and compliant manner and provided the consumer with the necessary information, we will consider the matter closed.

• Initial Complaint

  Date:03/07/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Spire resolution has sent me a bill that says I owe 1598.74 to Huntington Debt holdings to someone else **** I have no knowledge about or who they are. I am 70 years old and feel they are trying to take advantage of me.

  

  Business Response

  Date: 03/13/2025

  Huntington
  Debt Holding, LLC (HDH) is in receipt of, and has reviewed the complaint filed
  by ***** ****** on 03/10/2025. HDH is a nationally licensed passive debt buyer that
  purchases past due consumer debt and utilizes third party agencies nationwide
  to recover. HDH does not collect on or engage in any credit reporting
  activities. HDH purchased the **** account dba ***** * ** on or about November 26, 2024. The account was sent to ***** ******** ********* for servicing. Attached the consumer will find the original contract for the loan that was taken out on July 01, 2024. Please note, while ***** and HDH have both acted in a lawful and compliant manner, we will be placing the account in a cease and desist status. No further collections will occur, but it remains an open collection item.

• Initial Complaint

  Date:01/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company is claiming I owe them $31,000. I have never heard of them in my life and I do not have an account with them and they are inaccurately reporting this as a charge off on my credit report.
  
  The account is not mine because the account is a third party account. I asked them to validate a debt and they could not. This company has violated the 15 U.S. Code 1681 of the FCRA. Please see this below:
  
  (a) Accuracy and fairness of credit reporting
  The Congress makes the following findings:
  (1) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
  (2) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
  (3) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
  (4) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer’s right to privacy.
  (b) Reasonable procedures
  It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
  
  This company is also in violation of 15. U.S. Code 1692 as well. - Unfair business practice.

  

  Business Response

  Date: 01/06/2025

  Our company is in receipt of and has reviewed, the complaint submitted by ****** ******* and forwarded to our company on January 6, 2025. Huntington Debt Solutions (“HDH") is a passive debt buyer that outsources defaulted consumer accounts that have been placed by our clients. HDH does not collect on accounts we own, nor do we engage in credit reporting activities. A ***** ***** ************ personal loan account in the name of ****** ******* was purchased by our company on or about April 4, 2024. This is the first notice of the consumer's dispute and the forum that the consumer chose to request validation. The documentation to validate the account is attached.The original creditor is showing the balance reported and the debt has been validated in accordance with the FDCPA , the account remains an open collection item. If the consumer wishes to discuss, they may contact Dennis D******** CCO, ###-###-####. All activities performed by Huntington Debt Holding, LLC were compliant and lawful.  

• Initial Complaint

  Date:09/17/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received several calls from this company starting on 9/10, where a representative called me 3-4 times attempting to negotiate a payment on a debt. During the calls and voicemail, the representative mentioned a pending judgment from their legal department. When I asked for documentation or a copy of the notice, as I had never received it, I was told they could only send me a payment arrangement and refused to provide any further documentation.
  
  When I tried to verify the debt, the representative became pushy and even suggested they would garnish my wages if I didn’t pay immediately, stating that verifying the debt is just a way people try to get out of paying. I felt rushed and uncomfortable, especially since this was all happening during work hours. I called back during my lunch break to ask for clarification and proper documentation, but the representative again refused and said they would mark it as a refusal to pay.
  
  Despite my efforts to ask for documentation and clarity, they sent me a payment agreement via DocuSign, but I didn’t feel comfortable signing it without first receiving proof of the debt. I then emailed them, requesting all future communication be in writing and asking for proper documentation. Then 9/17, I received a call from a different representative, who stated they do not handle communication through email or text, further adding to my confusion.
  
  I believe this company is using intimidation tactics and not honoring the legal requirements under the Fair Debt Collection Practices Act (FDCPA), including providing proper verification of the debt. I feel pressured and threatened, and their refusal to provide documentation makes me question the legitimacy of the debt they are trying to collect. I am seeking proper documentation and a resolution that adheres to the law, but I am being met with unprofessional and potentially unlawful behavior.
  
  I would like the debt verified and all communication via writing per address on file

  

  Business Response

  Date: 09/20/2024

  This will acknowledge receipt of complaint ID ******** submitted by **** *******. Huntington Debt Holding, LLC is a passive debt buyer
  that purchases charged off accounts and outsources them for collections. HDH
  does not engage in credit reporting. Huntington Debt Holding outsourced the
  account to ********** ********* ********, Huntington Beach, CA for collections.
  HDH's review of the account determined that the account handling was troubling.
  HDH does not condone this behavior and has addressed it. Validation of the
  account is attached, as per the consumer's request. The account is in cease and
  desist status. 

  Customer Answer

  Date: 09/24/2024

  Better Business Bureau:
  
  Thank you for the update regarding my complaint, ID ********, and for providing the validation of the account as requested. I acknowledge the review by Huntington Debt Holding, LLC and appreciate that the company has addressed the troubling account handling.At this time, I am reviewing the documentation provided to determine the legitimacy of the debt. Additionally, I appreciate that the account is in cease and desist status, as this was a primary concern in my initial complaint.I will continue to evaluate my next steps and appreciate the efforts made to resolve the issues raised.
  
  Regards,
  
  **** *******

• Initial Complaint

  Date:07/29/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing in response to correspondence I received claiming that I owe a balance of $2,025.00 on 07/29/2024 to ********. I firmly dispute this debt as it is based on false information.
  The lease from ******** incorrectly states that a couch was never returned. This is false. The couch in question was, in fact, refunded on January 12, 2022 | 08:35 PM EST. Furthermore, all other items listed in the lease have been paid off in full.
  Given these facts, I do not owe any outstanding balance to ********.
  I hereby formally dispute this alleged debt and demand that:
  
  This false information be immediately removed from my account.
  No negative information be reported to any credit bureaus regarding this matter.
  All collection efforts cease immediately.
  
  As per my rights under the Fair Debt Collection Practices Act, I request NO FURTHER CONTACT REGARDING THIS MATTER. Any future communication, except to notify me that collection efforts have ceased or that legal action will be taken, is a violation of the FDCPA.

  

  Business Response

  Date: 08/21/2024

  Huntington Debt Holding is in receipt of complaint ******* filed by ******** *****. HDH reviewed the complaint and reached out to the seller and were able to resolve the dispute. I am attaching a copy of a waiver of debt for the consumer. The account is closed and we will consider the matter closed, as well. .

• Initial Complaint

  Date:07/06/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The account number listed on the credit report is ********. As of July 4, 2024, the date that is stated on the credit report says the account was opened was 02-19-2021, and the date it was updated was 03-31-2023. I have no idea as to who this agency is since I do not have a contract with Huntington Debt Holdings, nor have I ever heard of them. A contract was not presented to me prior to today, even when asked. They have provided erroneous information and have infringed upon my identity as well.

  

  Business Response

  Date: 07/12/2024

  Our company is in receipt
  of, and has reviewed, the complaint submitted by ******** ******** and forwarded
  to our company on July 8, 2024. Huntington Debt Holding, LLC (HDH) is a passive debt buyer that purchases charged off consumer accounts and places them for collection. HDH does not engage in credit reporting activities.HDH purchased Ms. ********'s account from Check N Go, and therefore her contract, on or about August 8, 2022. This is the first request for validation HDH has received from the consumer. Accordingly, I have attached the contract (signed by the consumer) and payment history (which shows the balance as on the credit report.) Of note, HDH is not the reporting company on the debt, it is the original creditor- Check N Go. As HDH has investigated the dispute, and completed our due diligence in validating the account in it's entirety we consider the matter closed. It remains an open collection item. If Ms. ******** would like to discuss the matter, I can be reached at ###-###-#### M-TH 8 am to 5 pm and Friday 8 am to 3 pm. Thanks for allowing us to respond.Sincerely, Dennis N D******** CCO/CRCP

• Initial Complaint

  Date:03/14/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm not liable for this debt with charter communications, I do not have a contract with Huntington Debt Holding LLC they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 03/18/2024

  Huntington Debt Holding,
  LLC (HDH) is in receipt of complaint #******** forwarded to your office on
  March 14, 2024. HDH is a passive debt buyer that purchases charged off
  receivables. HDH does does not engage in credit reporting. The consumer is
  correct in that he does not have a 'contract' with HDH. His account was
  purchased from *** *********  on or about January 7, 2022 and all rights
  assigned to HDH.at that time. The account is currently being serviced by *********** ********* and all information has been sent to them.

  Customer Answer

  Date: 03/19/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  Regards,
  
  ****** ******
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:02/21/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  rom: ******* ***** *** * **** *** ************ ***** ******* **********
  
  Re: Dispute of Debt and Request for Validation Information
  
  I am writing to dispute the debt you are attempting to collect from me in the amount of 10,000. I have reviewed the information you have provided and I am contesting the validity of this debt for the following reasons:
  
  1. Failure to Provide Validation Information:
  
  Under the Fair Debt Collection Practices Act (FDCPA), specifically 12 CFR 1006.23(b)(5), you are required to provide me with written validation information within five days of my initial request. This information must include the amount of the debt, the name of the original creditor, the date the debt was incurred, and a statement of whether you are attempting to collect interest.
  
  I have not received any such validation information. Therefore, I demand that you immediately provide me with the complete and accurate validation information required by law.
  
  2. Uploading of Incorrect Documents:
  
  Furthermore, I am deeply concerned about the documents you have uploaded to my account. I have reviewed these documents and they do not pertain to any debt that I owe. This action violates 15 U.S.C. § 1681-i(7) of the FDCPA, which prohibits debt collectors from using unfair or deceptive practices.
  
  I demand that you immediately remove these incorrect documents from my account and refrain from using any such tactics in the future.
  
  
  If I do not receive the requested validation information and confirmation of the removal of the incorrect documents within 30 days from the date of this letter, I will be forced to file a complaint with the Federal Trade Commission (FTC) The Attorney General and with the i will also pursue any other legal remedies available to me.
  
  Please be advised that I am retaining copies of all relevant documentation for future reference

  

  Business Response

  Date: 02/22/2024

  Huntington Debt Holding LLC (HDH) is in receipt of and has reviewed this complaint. The account was purchased on or about December 1, 2023. Please note: this is a commercial account and the FDCPA does not apply, although HDH has performed  compliantly and lawfully. The first notification of validation was the CFPB complaint filed 02/20/2024 and responded to 02/22/2024 a copy of which is attached. The information provided to the consumer, per his request, is valid and legitimate. The consumer took out a commercial loan for his company -******** **** ******* *LC. and signed a personal guaranty. The contract, guaranty and monthly statements are neither deceptive or misleading , copies of all are attached). HDH does not engage in credit reporting and has notified the seller of the 'dispute.' HDH has provided the consumer with fair and accurate information and has performed lawfully and compliantly. Based on there above and attached, we will consider the matter closed. Please note: while the account is shelved at this time, it remains an open collection item.

  Customer Answer

  Date: 02/22/2024

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  
  
  [To assist us in bringing this matter to a close, we would like to know your view on the matter.]
  
  
  
  Regards,
  
  
  
  ******* *****
  
  
  I have never opened an account with Huntington debt Holdings (if known) or any other entity associated with this account number.
  
  I have previously requested verifiable documentation to support this debt, as is my right under the Fair Debt Collection Practices Act (FDCPA). However, the documents you provided on CFPB complaint website do not contain any identifying information linking me to this account, such as my name, address, Social Security number, date of birth or anything that verify that the account belong to me. 
  
  Therefore, I formally dispute the validity of this debt and demand its immediate removal from my credit reports. I have retained copies of the documents you sent to CFPB for my records and i have submit them as evidence proving the account do not belong to me.
  
  Furthermore, I request that you cease all collection efforts related to this account and confirm this in writing within 30 days of receipt of this letter. Please be advised that further attempts to collect on this debt, or any inaccurate reporting to credit bureaus, may constitute violations of the FDCPA and could result in legal action.
  
  Thank you for your prompt attention to this matter.
  

  

  Business Response

  Date: 02/29/2024

  As stated in the previous email this account is a commercial account and the FDCPA does not apply. HDH has provided the consumer with the loan that was made through and for the consumer's business. The address that is used on the application corresponds with the consumer's business address. The consumer has been provided with the monthly transactions, contract and credit application. We have fulfilled the required investigation and validated the debt. As stated previously, HDH does not credit report. ******* ** **p has been notified and has provided the required the validation. We will be closing this complaint at this time.

• Initial Complaint

  Date:01/11/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Acct Name: *** **** ************/ Date Opened:6/28/2023 Acct# ******XXX
  Please DELETE the fraud Account from my credit Report does not relate to any transactions that I have made.
  
  The credit bureaus keep disrespecting the law . I have showed them multiple times how they are violating the FAIR CREDIT REPORTING ACT .
  According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately.
  According to 15 USC 1681b(1) the credit bureaus don’t have no written permission
  According to 15 USC 1681 have the right to privacy
  According to 15 USC 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate .
  (B) Reporting information after notice and confirmation of errors
  According to 15 USC 1681 I have the right to privacy
  According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
  (B) Reporting Information after notice and confirmation of errors
  A person shall not furnish information relating to a consumer to any consumer reporting agency
  (i) The person has been notified by the consumer, at the address specified by the person for such
  Notices, that specifies information inaccurate, and
  (ii) the information is, in, fact, inaccurate.
  The credit bureaus have no respect for the laws.
  Someone needs to hold them accountable for this.

  

  Business Response

  Date: 01/16/2024

  Our
  company is in receipt of and has reviewed, the complaint submitted by ***** ******** and forwarded to our company on January 11, 2024. Huntington Debt Holding, LLC
  (HDH) is a passive debt buyer that purchases defaulted consumer accounts. HDH
  does not engage in credit reporting activities with respect to the accounts
  that are purchased. The consumer has a ******* ** *** account that was purchased on
  or about September 27,2023. This is the first notification of a "complaint'
  we have had from the consumer regarding fraud (please note the consumer filed the FTC report on 01/11/2024, which coincides with the BBB filing.) HDH has closed the account which has been placed in a verified fraud status. Again,
  HDH has not credit reported the consumer's account. If the consumer's account was
  credit reported it would have been by the original creditor, ******* ** ***. While HDH will report the fraud back to the seller, HDH
  does not engage in any type of credit reporting and has no control over ******* ** *** and their credit reporting activities. All collection activities engaged in
  by our company were done in full compliance with all collection laws. We have
  cease and desisted with any further collection activities with respect to this.
  HDH has requested and attached the supporting documentation to validate the
  account. Based on the above, we will consider the matter closed.