A Huntington BP charge on your statement is a bill payment that went out of your Huntington Bank account through the bank’s bill pay service. “BP” (sometimes “BBP”) is the statement abbreviation for “bill payment.”1Falcon National Bank. Deciphering the Abbreviations and Terms on Your Bank Statements The line usually shows “Huntington BP” followed by a payee name or reference number, though the payee is often truncated or shown as a legal business name you may not immediately recognize.
Find the Full Payment Details First
Before assuming the charge is wrong, open your bill pay history in Huntington’s online banking or mobile app. That view shows the full payee name, the exact amount, and the scheduled date, which the statement line often abbreviates. Pending authorizations aren’t always visible on periodic statements, so a payment that posted a few days off from what you remember scheduling can still be legitimate.2Huntington Bank. Personal Account Disclosures
A few quick checks resolve most cases. Another person on the account may have set up a recurring payment. The payee’s legal name may not match the brand you know. And bill payments are sometimes scheduled weeks in advance, so the posting date may not match when you last thought about the bill.
If the charge still looks wrong, Huntington recommends contacting the merchant or payee directly first, since they can often fix billing errors faster than the bank’s dispute process. Keep any written responses in case you need them later.3Huntington Bank. Online Dispute Forms
How to Dispute the Charge With Huntington
Huntington accepts disputes several ways:
- By phone at (800) 480-2265 for debit card and general disputes, open daily 6 a.m. to midnight ET. For consumer or small business credit cards, call (800) 340-4165.3Huntington Bank. Online Dispute Forms
- In person at any Huntington branch.
- By mail to The Huntington National Bank, P.O. Box 1558, Attn: GW4W61, Columbus, OH 43216. The letter must include your name, contact information, account number, a description of the error, and the dollar amount.4Huntington Bank. Dispute a Debit Card Charge
- Online through Huntington’s dispute forms at huntington.com/Privacy-Security/online-dispute-forms.5Huntington Bank. Privacy and Security
Have the transaction date and dollar amount ready when you call. If fraud is suspected, the bank will close the compromised card and issue a replacement, and you can pick up a temporary ATM card at a branch in the meantime.4Huntington Bank. Dispute a Debit Card Charge
How Long the Investigation Takes
For a debit card dispute reported within 60 days of the statement date, Huntington will either issue a temporary credit or resolve the claim within 10 business days. That window extends to 20 business days for accounts less than 30 days old. If the investigation confirms the error, any temporary credit becomes permanent; if it doesn’t, the credit is reversed and you’re notified in writing.4Huntington Bank. Dispute a Debit Card Charge
For a credit card dispute, Huntington generally posts a temporary credit within two business days of the disputed posted transaction and provides an initial resolution or status update within 10 business days. The full investigation can take up to two complete billing cycles. While it’s pending, you don’t have to pay the disputed amount, and the bank won’t treat it as delinquent or try to collect it.6Huntington Bank. Dispute a Credit Card Charge
Why Reporting Speed Matters
Unauthorized electronic transfers are covered by the Electronic Fund Transfer Act and Regulation E, and your maximum liability depends on how quickly you report:
- Report within two business days of discovering the problem, and your liability is capped at the lesser of $50 or the unauthorized amount.7eCFR. Regulation E, 12 CFR Part 1005
- Report after two business days but within 60 days of the statement, and liability can rise to as much as $500.8CFPB. How Do I Get My Money Back After I Discover an Unauthorized Transaction
- Wait more than 60 days after the statement, and you could be liable for the full amount of transactions that happened after that 60-day window if the bank shows timely notice would have prevented them.9FDIC. What Should I Do if I Have Unauthorized Charges on My Debit Card
Banks must investigate promptly and cannot condition an investigation on your filing a police report or contacting the merchant first. If an error is confirmed, the bank must correct it within one business day and report its findings within three business days.10CFPB. Electronic Fund Transfers FAQs
Catching the Next Unfamiliar Charge Sooner
Huntington offers a real-time alert service, Huntington Heads Up, that notifies you when purchases are made online, by phone, or by mail. Enrolling puts most unfamiliar charges in front of you inside the two-business-day window where your liability is lowest.6Huntington Bank. Dispute a Credit Card Charge The Office of the Comptroller of the Currency also suggests watching for small “test” charges, which fraudsters sometimes run before attempting larger unauthorized purchases.11OCC. Credit Card and Debit Card Fraud