If you recently received a letter, phone call, email, or other communication from us, you may be wondering, “Who is Huntington Debt Holding?”
Huntington Debt Holding, LLC is a debt buyer based in Buffalo, New York. We purchase certain consumer accounts from original creditors and other account owners. When we purchase an account, we become its legal owner and take responsibility for managing it.
If our name is unfamiliar, that does not necessarily mean the account is unfamiliar. The account may have originally been opened with another company before it was later sold to us.
Here is what you should know about who we are, what we do, and why we may contact you.
About Huntington Debt Holding
Huntington Debt Holding, LLC is a debt purchasing and receivables management company.
We purchase portfolios of consumer accounts that have been originated by banks, lenders, credit card issuers, utility providers, and other businesses.
After an account is sold to us, Huntington becomes the account owner. We are then responsible for managing the account and providing consumers with information about it.
This is different from a company that is simply collecting an account on behalf of someone else. As a debt buyer, we purchase ownership of the accounts we manage.
We understand that this distinction may not always be clear when you first see our name. That is why we want consumers to have access to straightforward information about our role.
What Does Huntington Debt Holding Do?
As a Huntington Debt Holding debt buyer, we purchase certain accounts after they have become delinquent or have been charged off by a previous creditor.
A charge-off generally means the original creditor has classified the account as a loss for accounting purposes. It does not automatically eliminate the balance or prevent the account from being transferred or sold.
When Huntington purchases an account, ownership transfers to us.
Depending on the account, we may manage it directly or work with authorized service providers to assist with servicing and account resolution.
Our responsibilities may include:
- Providing information about an account
- Answering consumer questions
- Reviewing account disputes
- Maintaining account records
- Discussing available resolution options
- Working with consumers who need additional information
Our goal is to make it easier for consumers to understand why they are being contacted and what steps may be available to them.
Why Might Huntington Debt Holding Contact Me?
We may contact you because we purchased an account associated with your name.
The account may have originally been opened with a bank, lender, credit card issuer, utility provider, or another company. If that account was later sold, Huntington may now be its owner.
You may receive communication directly from us or from a service provider working on our behalf.
That communication should contain information that helps you understand what account is involved. Depending on the circumstances, it may identify the original creditor, the balance, or other account details.
If you recognize the original creditor but do not recognize Huntington, the change in ownership may explain why our name is now associated with the account.
What Should I Do If Huntington Debt Holding Contacts Me?
Start by reviewing the communication carefully.
Look at the information provided about the account, including the original creditor, current balance, and any other identifying details.
If you recognize the account, you can contact us to ask questions or discuss available options.
If you do not recognize it, or believe some of the information may be incorrect, let us know. We can help you understand what information is associated with the account and explain how to raise a dispute when appropriate.
Some questions you may want to ask include:
- Who was the original creditor?
- Why does Huntington own the account?
- What is the current account balance?
- What information is available about the account?
- What should I do if I believe something is incorrect?
- What resolution options may be available?
Keeping copies of letters, emails, payment records, and other documents may also help you keep track of account information.
Can I Contact Huntington With Questions About My Account?
Yes. We encourage consumers to reach out when they need clarification.
Account ownership can be confusing, particularly when an account has moved from the original creditor to another company. You should be able to understand who currently owns the account and why you are receiving communication.
If you have questions about the account, contact us. If you believe information is inaccurate, tell us. If you need help understanding what options may be available, ask.
Clear communication can help you make a more informed decision about your next step.
How to Contact Huntington Debt Holding
If you have questions about an account owned by Huntington, you can contact us directly.
Huntington Debt Holding, LLC
1965 Sheridan Dr, Suite 200
Buffalo, NY 14223
Phone: 888-326-1253
Our team is available Monday through Friday from 9:00 a.m. to 5:00 p.m. Eastern Time.
You can also visit the Consumer Help Center on our website for additional account information and consumer resources.