Frequently Asked Questions

Huntington Debt Holding, LLC is a nationally licensed and RMAI-certified debt buyer. We purchase charged-off consumer accounts from original creditors and manage those accounts through a secure, compliant process. Our focus is on transparency, fairness, and resolution — helping consumers understand their accounts and move toward financial wellness.

Yes, Huntington Debt Holding is a legitimate and accredited debt buyer. We are a Certified Receivables Business with the Receivables Management Association International (RMAI) and an Accredited Business with the Better Business Bureau (BBB). We follow all federal and state regulations, including the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA).

If you see our name on your credit report, it may mean we now own a charged-off account that was sold to us by the original creditor. We report to the credit bureaus in accordance with the FCRA to reflect accurate account ownership and balances. We update reporting when accounts are paid, settled, or disputed.

We may contact you or you may be contacted by one of our service providers if we’ve acquired an account in your name. These communications are legitimate and are intended to inform you of your rights and provide options for resolving the account. Our goal is to engage respectfully and help you understand the next steps — not to pressure or confuse you.

You can reach our team in several ways:

Phone: 888-326-1253
Email: [email protected]
Mail: 1965 Sheridan Dr, Suite 200, Buffalo, NY 14223

Our team is available Monday through Friday, 9 AM to 5 PM EST.

Yes. We are committed to compliance, transparency, and consumer-first practices. Our certifications and accreditation reflect our dedication to ethical account servicing. We provide secure communication, professional support, and clear account information to every consumer we work with.

No, Huntington Debt Holding does not initiate lawsuits against consumers. Our focus is on ethical and respectful resolution strategies. We do not engage in legal action as part of our account management process.

To discuss account resolution and tradeline deletion, please contact Huntington Debt Holding’s customer care team at 888-326-1253 or email our team at [email protected]. Each situation is unique and requires an overview of the specific account details to provide the most accurate response possible.

We do not collect on behalf of others. As a debt buyer, Huntington Debt Holding purchases accounts and becomes the legal owner. We are responsible for managing and servicing those accounts directly or through our vetted network of licensed service providers.

While we are not a third-party collection agency, Huntington Debt Holding operates as a debt buyer, which means we legally own the accounts we manage. Some of our servicing practices may be similar to those of debt collectors, but we are held to different regulatory standards as the owner of the account.

We purchase portfolios of charged-off consumer debt — such as credit cards, personal loans, utility bills, and more — from creditors looking to divest non-performing assets. We then manage those accounts through a respectful and compliant resolution process. Our team works with consumers to offer flexible repayment options and help resolve outstanding balances.