CFPB COMPLAINT DATABASE
346 real consumer complaints filed against FinCo Services Inc. DBA Current at the Consumer Financial Protection Bureau in the last 12 months. 18 received relief from the company. Median federal response time: 15 days.
These complainants filed at the CFPB and the company refunded or credited money in response. The CFPB doesn't force outcomes, but it does force a response in 15 days.
Two unauthorized charges were made on my account : {$99.00} at XXXX XXXX XXXX XXXX ) on XX/XX/year> {$70.00} at XXXX XXXX XXXX XXXX ) on XX/XX/year> These charges were not made by me. This is not the first time funds have been withdrawn from my account without my permission. I contacted the bank to report the unauthorized charges, request a refund, and secure my account.
XX/XX/year>. I have over the past month tired to close my account with a vertual bank called Current bank which is primarily a phone application accounting, and FDIC backed by a Bank called XXXX Bank. They keep sending me an email saying that they have received my request to cancel my desire to close my account. The chat function is very slow and is offshore and it is impossible to get a real human on the phone to speak with. This institution promises credit building, but the way they do it is that you direct deposit your money and then they make a fake loan from it as you spend money and at the end of the month they report the spending as a loan and XXXX it out. Which is not helpful for credit building for it is creating a high borrowing ratio which makes the customer 's XXXX XXXX go down drastically.
I am filing a complaint against Current ( banking institution ) for improperly denying a charge dispute involving an invalid {$100.00} charge from XXXX XXXX XXXX dated XX/XX/XXXX. The XXXX XXXX XXXX service associated with this charge was canceled prior to the transaction, and XXXX XXXX XXXX confirmed that a {$100.00} refund was owed to me. Despite this, the charge was applied because XXXX XXXX XXXX failed to provide the required equipment return kit in a timely manner. I did not receive the return kit until after the charge was assessed, which was completely outside of my control. I disputed this charge with Current in good faith and provided accurate information. On XX/XX/XXXX, I was informed that the dispute resulted in a loss. However, Current did not provide a clear written explanation of how the evidence was evaluated or why this charge was deemed valid despite the service cancellation and XXXX XXXX XXXX acknowledged refund obligation.…
I was hospitalized from XX/XX/XXXX through XX/XX/year>. During this hospitalization, my phone was stolen and unauthorized debit card transactions occurred on my Current account between XX/XX/XXXX and XX/XX/year>. I discovered the unauthorized transactions on XX/XX/year>, immediately upon discharge from the hospital, and reported them the following day. Current denied my dispute despite timely notice and documentation. This denial violates Regulation E, which allows for reasonable delay in reporting due to hospitalization. These transactions were not authorized by me. I am requesting a full refund of the unauthorized transactions and correction of my account in compliance with federal law.
On XX/XX/XXXX I placed a rather large grocery order on instacart and never recieved the groceries I ordered. I sent my bank clear proof and factual statements about what happened to show proof of what happened .there was no communication between me and the delivery driver for him to gain entrance to my gated community and no proof of delivery ie Picture of drop off location to show where my order was left. I sent proof to my bank of the merchant apologizing for not delivering my order and when I called the delivery driver he didnt speak English to even communicate properly about my order. I've sent over documentation to my bank of communication between me and the merchant of them telling me to withdraw the dispute filed with my bank so they can refund me and then when my bank decided to favor the merchant and close the dispute the merchant went back on their word to refund me. I've filed complaints with the bbb as well and filed a police report over the incident.…
The 30 most recent complaints against FinCo Services Inc. DBA Current where the consumer chose to publish their narrative.
On XX/XX/year>, at approximately XXXX XXXX, an unauthorized transaction of {$2400.00} occurred on my Current account. I did not authorize, approve, or benefit from this transaction. The funds were sent to an unknown recipient reference ID associated with the transaction. I immediately reported this as fraud and filed a dispute with the financial institution. I provided supporting documentation, including a police report, and requested a full investigation. I asked for proof of authorization, transaction logs, and documentation showing how the decision was made. The company denied my dispute appeal and refused to reopen the case, stating there was insufficient information. However, I was not provided with any evidence that a reasonable or good-faith investigation was conducted, nor were any investigation findings, transaction records, or supporting documentation shared with me.…
I am filing a complaint regarding an ATM transaction dispute that has been improperly handled. On XX/XX/2026, I attempted to withdraw {$480.00} from an ATM located at XXXX XXXX XXXX XXXX, XXXX, SC. The ATM did not dispense cash, but my account was still debited. I filed a dispute with my financial institution ( Current ), which was denied. I then submitted an appeal and provided additional documentation, including a police report. Despite providing this documentation, the bank denied my appeal and refused to credit the funds. The bank has not provided sufficient evidence to demonstrate that cash was actually dispensed, nor have they provided ATM electronic journal logs, balancing records, or any verification beyond their internal conclusion. I am requesting that this matter be reviewed and that the bank be required to provide documentation supporting their decision or issue a refund. This dispute has not been fairly or transparently investigated.
I am filing this complaint regarding unauthorized electronic fund transfer disputes handled by Current XXXX XXXX XXXX. On XX/XX/year>, multiple transactions appeared on my account labeled XXXXXXXX XXXX XXXX XXXX XXXX. These transactions were not authorized by me. I do not have a XXXX account, I have never installed or used XXXX on any of my devices, and I did not authorize any purchases associated with these charges. I reported the unauthorized transactions promptly and filed disputes on XX/XX/year> for the following dispute IDs : XXXX {$79.00} XXXX {$16.00} XXXX {$1.00} XXXX disputed amount : {$96.00} The financial institution issued a determination of no error found, but did not provide documentation or evidence demonstrating that the transactions were authorized or that a reasonable investigation was conducted. I formally requested documentation and a reinvestigation multiple times.…
I am requesting a full refund of {$2400.00} for the unauthorized transaction that occurred on XX/XX/year>, at approximately XXXXXXXX XXXX on my Current account. This transaction was not authorized, not initiated by me, and I did not benefit from it in any way. I am requesting that the funds be permanently credited back to my account immediately and that my account be restored to the correct balance prior to the fraudulent transaction.
I was recently locked up. I did not get out of jail till XX/XX/year>, and a dispute was made without my knowledge. I wasnt aware of this till XXXX XXXX. I had no phone no ID no nothing I had to get all of this back later and when i tried to make a complaint about it they said it was nothing they can do.
Current was notified by me of an unauthorized charge in the amount of XXXX. The following morning I received a notification stating the merchant processed a refund right after that notification i got a charge for the same amount same company. Currents customer support is non exsistent ive requested provisional credit sense the refund was processed yet i am still with out a provisional credit and no refund. Cant reach a live agent to save my life
Subject : Unauthorized Electronic Fund Transfers Regulation E Violation Complaint : I am filing a complaint regarding unauthorized electronic fund transfers totaling approximately {$1600.00} from my account. I reported these transactions to the XXXX XXXX associated with my account. They conducted an investigation and denied my claim, stating that the transactions were authorized. However, I did not authorize these transactions. I formally requested : A written explanation of their findings The evidence relied upon in denying my claim Confirmation that my claim was handled under Regulation E ( Electronic Fund Transfer Act ) The company failed to provide the requested documentation and instead required me to submit additional evidence to appeal, which is inconsistent with Regulation E requirements for unauthorized EFT claims. I have now formally submitted a Notice of Error and Appeal.…
A dispute was opened XX/XX/year> after XXXX XX/XX/year> at XXXX PM I answered allcthese questions when I submitted the dispute. It was a XXXX XXXX XXXX hour intervention. I paid XXXX dollars to attend the program and I had a medical emergency on Saturday and was asked to leave the program by staff. at that point I was told I could receive a partial refund since I had a emergency and did not plan on rescheduling for the program due to the experience. They told they'd follow up with me on Monday when I left with ambulance and denied contact once I arrived at the hospital for days. I was scammed, they do not have a no refund policy for medical emergency, and I also should not pay full price for a service I didn't receive. I have already filed a complaint with the better business bureau and the Ohio Attorney General. I tried to contact them numerous times. I am requesting a partial refund for the amount of XXXX.…
I bank with current. My deposit came in today on XX/XX/2026. They offer a payday loan from your next check. The available balance I had was XXXX is what it said and it only gave me XXXX. They are falsely advertising payday loans amounts. They refuse to help at all. This happened because of a recent app update of theirs and a glitch in the system.
I filed a dispute because when I was XXXX someone took XXXX from my account and it wasn't me. I sent proof that I was XXXX so it couldn't of been me. They closed my account and said they would send me a notice once they investigated but they denied it at first I re disputed it and javnt heard a thing
On XX/XX/year>, at approximately XXXXXX/XX/XXXX I noticed XXXX unauthorized transactions on my account that I did not make or approve. The total amount of these transactions is approximately {$3300.00}. The transactions include multiple charges from merchants such as XX/XX/XXXX and XX/XX/XXXX I was in possession of my card at all times and did not authorize these transactions. I immediately contacted the company to report the fraud and requested an investigation and refund. I also filed a police report regarding the unauthorized activity. Despite reporting this promptly, the company has failed to properly resolve the issue and denied my dispute without sufficient explanation. I was not provided with clear documentation or evidence showing that the transactions were authorized by me. I believe the company did not conduct a fair or thorough investigation.…
On XX/XX/XXXX and XX/XX/year>, multiple unauthorized transactions were made from my checking account by XXXX XXXX. I did not authorize these charges and believe my account was accessed without my permission. The total amount of the unauthorized transactions is approximately over XXXX dollars During this time, I was in a mental health unit where my phone was taken and secured for an extended period according to facility rules. I did not have access to my device when these transactions occurred, further confirming that I did not authorize or make these charges. I reported the transactions to my bank as soon as I noticed them and filed a police report to document the fraud. All of the charges were from the same merchant and occurred within a short timeframe, indicating unauthorized use. I also contacted XXXX XXXX directly to resolve the issue. They responded requesting a more detailed bank statement showing itemized charges, merchant names, transaction dates, and amounts.…
I am submitting this complaint regarding my bank 's failure to properly investigate and resolve unauthorized transactions on my debit card account under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Beginning in early XX/XX/year>, my account was subjected to numerous unauthorized micro-chargestypically ranging from XXXX to XXXX cents eachprimarily from XXXX XXXX, with additional transactions from other unrelated sources. These charges follow a clear pattern consistent with card-testing fraud, where scammers probe accounts with small amounts to verify validity before larger thefts. I did not authorize any of these transactions, promptly reported the issue to my bank, initiating the first dispute on XX/XX/year>. Despite providing evidenceincluding account statements highlighting the charges, my XXXX XXXX order history showing no matching activity, and screenshots of the denialsthe bank rejected the disputes without adequate investigation.…
" I am filing this complaint against Current Bank and its partner bank, XXXX XXXX XXXX, for a violation of Regulation XXXX ( Electronic Fund Transfer Act ). On XX/XX/year>, an unauthorized fraudulent charge of {$62.00} was made on my account via XXXX. I reported this immediately. I have since provided Current Bank with written confirmation from the merchant ( XXXX Case # XXXX ) stating that the transaction was indeed fraudulent. Despite having proof from the merchant and the XXXX window for provisional credit having passed, the bank is refusing to refund my money or provide provisional credit, claiming an 'appeal ' is required. Federal law under Regulation XXXX requires the bank to credit the account while investigating if they can not resolve it within XXXX days. I am requesting an immediate refund of {$62.00}. ''
My card was placed under review from what they say was suspicious transaction. They sent a email on the XXXX and I replied to it and they said they would get back to me in 3 days and I have heard nothing. I called and chatted with them and they said there is nothing they can do until review is complete and I should wait for a response. They will not allow me to cancel the account either.
On XX/XX/XXXX ,2026 my personal belongings were stolen out of my home, and my card was unauthorized and used for the amounts of {$480.00}, {$520.00}, {$530.00}, {$520.00}, {$520.00}, {$410.00} and {$500.00} from the merchangt XXXXXX/XX/XXXX XXXX XXXX the dates of these transactions were XXXX I called the company the merchant company and they said they will run the cameras and to give me a call within the next XXXX business XX/XX/XXXX
To whom it may concern in XXXX i switch my ssi payment over to current bank and my first deposit wss scheduled XX/XX/XXXX. Some how the funds were dposited early with out my knowledge. Once checking my account on XX/XX/XXXX for my payment i seen the acocunt was negative and charges were made in different states with in XXXX hours. I immediately call and was informed by the bamk representative to file a dispute and they would would help me. They did i was told i was recieve my money back as credit with in XXXX hours ( reference number ) XXXX. The following day account was closed and i need my account number to update my deposit information ssi. They told me they couldnt help me it been weeks now. No check in the mail or anything.
I am filing a complaint regarding how my credit card dispute was handled. I disputed a {$1200.00} charge related to a vehicle purchase that I cancelled before taking possession of the vehicle. The dealership acknowledged my cancellation in writing and agreed to refund my down payment, stating it would be processed next week. I never received the vehicle, financing was not completed, and I cancelled the associated insurance policy. Despite this, my dispute was denied without proper consideration of the evidence. I provided proof showing : I cancelled the transaction The merchant agreed to a refund The vehicle was never delivered I am requesting that this dispute be reopened and properly investigated.
XX/XX/year> I purchase {$180.00} of XXXX gift cards {$100.00}, {$30.00}, and {$50.00} from XXXX at the time of purchasing them I was told NO REFUNDS. The reason of me purchasing the gift cards was to pay the delivery fee for a grant that was sent priority Mail to my address within 48 hours of paying the fee which was {$180.00}. I got my tracking number and the information needed to give to the the delivery person in order for me to get the package. Mind you this was on a Friday, I looked up the tracking number on XXXX they told me it didn't exist so. Saturday and Sunday I got the same results as I did Friday. By Monday I realize that I was scammed. XX/XX/year> I immediately I filed a report with the Federal trade commission and IC3. AND I FOUND A DISPUTE WITH MY BANK Current, they asked for the receipts- I uploaded, they asked for pictures of the gift cards- I uploaded and they ask for all the conversation I had with the merchants- I loaded had to be zipped and sent them all.…
I am filing a complaint against Current regarding their handling of unauthorized transactions and failure to conduct a reasonable investigation. On XX/XX/year>, my mobile phone was stolen by an unknown individual. Beginning the very next day, XX/XX/year>, a series of unauthorized transactions were made using my account and virtual card. In total, there were 22 unauthorized transactions between XX/XX/year> and XX/XX/year> totaling {$340.00}. These transactions were conducted through online merchants and transfers to my XXXX XXXX account, which were then further used without my authorization. At the time, I no longer had possession of my phone, which contained access to my banking and authentication methods. Because my phone and phone number were compromised, I was unable to immediately access my account to detect the fraudulent activity. I took steps to secure my accounts, including canceling my wireless service with XXXX XXXX XXXX and changing my phone number.…
Dear XXXX XXXX, I am writing to formally request that my dispute be reopened regarding the unauthorized transactions on my account totaling {$2300.00}. On XX/XX/year>, my phone and debit card were taken by my ex-boyfriend during a domestic argument. Unfortunately, he knew my phone passcodes and had access to my financial apps and personal information. Because of this, he was able to access my accounts and make transactions without my authorization. During that time, I did not have control of my phone or accounts. I had to replace my phone and secure my accounts afterward once I was able to regain access. The funds that were taken included my tax refund, which I depend on for essential living expenses and to secure a new place to live. I want to make it very clear that I did not authorize these transactions or give anyone permission to use my card or accounts. The transactions were made while my phone and financial information were in someone elses possession.…
I am filing a complaint regarding restricted access to funds in my account with Current. On XX/XX/26, a payroll direct deposit of approximately {$10000.00} from my employer through XXXX was deposited into my account. Shortly after the deposit, my account was placed under review for suspected fraud, and {$5000.00} of my funds have been withheld. These funds are legitimate earned wages, and I have not been provided with a clear explanation for the restriction, a timeline for resolution, or the ability to speak with a representative who can address the issue. As a result, I am currently being denied access to a significant portion of my income. I have contacted Current support multiple times requesting clarification and the release of my funds, but the matter remains unresolved. I am requesting that Current promptly review my account, provide a written explanation for the restriction, and release my remaining funds if no fraud is verified.
I disputed three unauthorized debit card transactions involving XXXX XXXX payments sent to an individual named XXXX XXXX. Transactions : XX/XX/year>XXXX {$17.00} XX/XX/year>XXXX {$81.00} XX/XX/year>XXXX {$40.00} The financial institution ( Current ) denied the dispute claiming the transactions were authorized. However, they have not provided any evidence supporting that conclusion. Under the Electronic Fund Transfer Act ( Regulation E ), unauthorized electronic fund transfers must be reimbursed unless the institution can demonstrate that the consumer authorized the transfer. I did not authorize these transactions and did not knowingly send funds to this person. The banks response appears to rely solely on merchant confirmation rather than a proper investigation that includes device logs, authentication records, or other proof that I initiated the transfers.…
I reported a dispute XX/XX/XXXX. I received my taxes XX/XX/XXXX. I went out of town this same day. I stated that my purse was stolen at the airport. I submitted the claim the same day I came back on XXXX Territory. I called Current, and they made the claim less than 3 days the said the purchases were made by me. However I was in another country! I appealed the decision. They denied my appeal, I sent proof of me on a boat in XXXX and the same time purchases were being made.
I am filing a complaint against Current regarding unauthorized debit card transactions that they have refused to properly investigate. Between XX/XX/year> and XX/XX/year>, multiple transactions were charged to my debit card by XXXX XXXX XXXX that I did not authorize. These charges were all different amounts and occurred on multiple different days. I only entered my card information once at XXXX XXXX in order to attempt a withdrawal and did not authorize any deposits or gambling transactions. I did not make these purchases. I immediately reported these transactions to Current and filed disputes. Current denied my disputes and also denied my appeal, stating that the evidence did not meet their standard. However, they have not provided me with any proof that I authorized these transactions such as device verification, IP address confirmation, or confirmation that the XXXX XXXX XXXX account belongs to me.…
My son stole XXXX out of my account without my permission I was sleeping when transactions were made so how can I authorize them now the bank won't give me money that's owed my son he even has or will admit to the transactions to prove that it wasn't me I deserve my money to be deposited not have to deal with a bank stealing my money like my son did if Im going to be treated like XXXX from them im switching banks and not recommend them to anyone and will take legal action
I XXXX XXXX am filing a complaint against a prepaid card company that has filed disputes on my behalf and has not investigated any of them upon my request, giving them receipts on transactions and providing them with evidence on my disputes! This company has not helped me during the time I gave them. The proper evidence, including police reports should be shown. I was ripped off by merchants stealing money off of my card without my authorization when it came down to one transaction at a car lot at the time I gave her my phone to show her an invoice that I paid her during the time {$3000.00} was given on the XXXX. She took my phone and charged {$800.00} without my authorization. Im asking for an investigation into all of my disputes and why the current system has not helped me resolve any of my disputes.…
Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Against Current Failure to Reimburse Unauthorized Transactions To Whom It May Concern, I am submitting this complaint regarding my banking account with Current. I am requesting assistance because the bank has refused to reimburse {$2200.00} that was taken from my account through transactions that I disputed. On or around XX/XX/year>, unauthorized transactions totaling {$2200.00} were made from my account. As soon as I became aware of the issue, I contacted Current and filed a dispute to report the unauthorized activity. I provided all the information they requested and fully cooperated with their investigation. After reviewing my claim, Current denied my dispute and refused to return the funds to my account. I strongly disagree with their decision because these transactions were not authorized by me.…
Ive been in the hospital for two months. During the time my phone wallet and other belongings were stolen out of my car. When i came home the other day from the hospital i noticed alot of transactions from XXXX were posted ove {$3000.00} of my hard earned money gone. I disputed it two days ago and got denied quick which leads me to believe they are not looking into it and i will be getting my lawyer involved because i see alot of complaints online about them. And i will he switching my direct deposit!
b"Dear Dispute Department,\n\nI am writing to formally appeal the decision regarding the dispute for the transaction listed below, which was recently denied.\n\nAccount Holder Name: XXXX XXXXXXXX XXXXAccount Number (last 4 digits): XXXXXXXXMerchant Name: XXXX XXXXBank name: Current bank \nTransaction Date: XXXXTransaction Amount: $XXXXI respectfully request that this dispute be reviewed again, as I believe the decision was made without fully considering the circumstances and supporting information regarding this transaction.\n\nThe reason for my original dispute is that this charge is unauthorized for services not received and not as described.…
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