How to Sue Huntington Bank in Small Claims Court

So you’re looking to sue Huntington Bank?

At FairShake we’ve helped thousands of people ripped off by big companies like Huntington Bank. And we’ve helped get millions of dollars in settlement offers…

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Tired of hitting dead ends when trying to get a refund from Huntington Bank? Feeling like there’s nowhere to turn?

You’re not alone. It seems like many people have tried all the Huntington Bank customer service options, but still feel unheard.

There are different ways to file a complaint against Huntington Bank, but none have the same power and leverage as taking legal action.

So, if you’re thinking of suing Huntington Bank, where do you even start? You might expect there to be tons of class action lawsuits against them, but it’s often more complicated than that.

What many people don’t know is that hidden clauses buried deep within their contracts frequently allow companies like Huntington Bank to push legal claims into the private realm of consumer arbitration, away from conventional courts.

But here’s the thing: your Huntington Bank contract doesn’t have the power to take away your right to pursue legal action by suing them.

Here’s what you can do…

Two options to Sue Huntington Bank:

Consumer Arbitration: This involves accessing an official and independent dispute resolution process that is not a court. It provides an opportunity to seek compensation for your complaint without the need to appear in person. For many, this can be a preferable option.To find out if you can take Huntington Bank to arbitration, you can check your contract or user agreement with them. Many companies’ standard contract are available on their websites. You can do a search for “arbitration” arbitration within the contract text — it is usually mentioned near the very top of a contract.
Learn more about the consumer arbitration process here.
Small Claims Court: If you prefer to avoid the arbitration system, you can opt for Small Claims Court. You should know that the procedures for Small Claims Court may vary depending on your jurisdiction.Taking Huntington Bank to Small Claims Court will typically involve appearing in person and completing necessary forms.

If you’re ready to sue Huntington Bank in Small Claims Court, read on below:

Taking Huntington Bank to Small Claims Court Step-by-Step

Make sure your claim qualifies for small claims court.

The first step is making sure your claim qualifies. Not every claim will qualify because small claims courts have different limits. There are two things in particular you have to pay attention to:

The first is the amount of money. Every state court has a maximum dollar size that you can ask for in your claim. It can range as low as $2,500 in states like Rhode Island upwards of $10,000 in states like California. You can find a list of all 50 states’ monetary limits here.
The second is the type of relief. Most courts will allow you to ask for things like monetary compensation which is a dollar value payment, or equitable compensation which is any non monetary request. However, when you sue Huntington Bank in small claims court you usually can only ask for a monetary request.

If your claim doesn’t fall within the limits of your state’s small claims court, you’ll have to arbitrate your claim instead.

Send a demand letter to Huntington.

Assuming your case qualifies you can now move on to the next step which is the demand letter. Small claims courts require that you ask a company to voluntarily fix the problem before you sue Huntington Bank in small claims court.

This letter can be very simple and short, the whole point is to check a box and prove that you did it. When you write it simply tell the company who you are (your name, address, phone number and account number), what the problem is, and what you want from them.

When you are done, send a hard copy of that letter to the official legal address for the company, preferably through certified mail or some form of mail that lets you confirm it was received.

According to our most recent research, Huntington Bank is legally based in Maryland and receives mail at this address. (Check your contract to confirm if this is the right address for legal notices):

Huntington Bancshares Incorporated
C/O THE CORPORATION TRUST, INCORPORATED
2405 YORK ROAD
SUITE 201
LUTHERVILLE TIMONIUM MD 21093-2264

If you would like examples of demand letters or more information about how to write them, you can find an excellent guide here.

Fill out court forms.

If they made no attempt to fix the problem after receiving your letter, now you sue Huntington Bank in small claims court. To get this going you need to make sure you fill out the right court documents for your state and your county.

You can find the forms for free on your state court website. Find your state court website here.

Be sure to verify how many copies you need for the next step. Most states require three or four copies of all the forms and if you don’t have them, you won’t be able to sue Huntington Bank in small claims court.

File the complaint forms with the court.

Now you move on to filing. This is where you give those forms to your court.

Many courts will require that you come to the courthouse physically to handle over the files during certain days of the week and certain hours.

All courts require that you pay the filing fee before you can sue Huntington Bank in small claims court. This amount should be published on your court website.

When you file the forms, the clerk will give you back your copy stamped and give you a hearing date.

“Serve” your forms on Huntington.

To sue Huntington Bank in small claims court, the company needs to know they are being sued too. This step is called “serving” and there are very specific rules about how to do it.

Courts have very specific rules about this process which can be found on your court website, or search for “[your state] small claims service of process”.

Follow each of the rules, or your case might be thrown out with no compensation.

Show up for your court date.

Remember that court date you were given by the clerk? Be sure to arrive on time at the right building when your hearing is taking place.

Bring your copy of the filed court forms and any other evidence you have to show why you decided to sue Huntington Bank in small claims court. At this point the judge may make a decision in your favor assuming you followed all the rules properly.

Ready to sue Huntington in small claims court?
If this sounds too hard and expensive, try consumer arbitration instead…

How to Sue Huntington Bank