Consumer complaint received 2022-11-03
Company: FinCo Services Inc DBA Current
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
on XX/XX/2022 i was arrested and booked into virginia XXXX XXXX jail. i spent until XX/XX/2022 as an inmate at XXXX. During this time I had given my mother power of attorney of my finances to try to access my bank account. For more than 3 months my mother tried and tried to address the fact i was indeed locked up and that she needed to gain access into my online checking account. This is where all the confusion began. After providing, for months on end, all the same accurate information that was asked repeatedly for the bank account, so that she could access it via her phone, STILL no access. And the power of attorney was provided i believe the very first contact that my mother made with Current Bank. Now while I was in jail i still had my SSDI direct deposits entering this account by the XXXX of every month. No one was allowed to use my cards, virtual cards and i didnt give my bank account and routing number to anyone, So when i got out after almost 4 months and finally myself got into my bank account,, which still took another week for them to change my login telephone .... so imagine my dismay when i saw a negative {$49.00} as the balance of my bank account and there had been somewhere about {$500.00} + in my teen account attached. After I tried to change all the personal info and pins and things i could i talked to someone in the app with the chat disputes. the first time they asked me for every individual transaction and they would go from the first. i explained the dates from XX/XX/XXXX to XX/XX/XXXX that none of the transactions had been mine XXXX i didnt authorize anyone to use my account. she then told me she had to have each individual transaction. i told her id put it all into a txt documents but it would take me a few days to get it done. Finally after a couple days i sent customer support a message within the app about my dispute, at that point the new current support said he just took everything within the dates given and added it to the dispute. i was so happy that i didnt have to type all those three months of transactions in, Then we continued on to the rest of the dispute. When she asked if i had anything i wanted to add to the dispute that would help my case, i asked would my papers of arrest and discharge from the jail help. so within the app and the dispute chat, i took a photo of both papers and the Current support agent said that was great. So not much after that and she game me a total of the fraudulant charges that had been made while i was in jail the past few months.. total they came up with was {$2900.00} Now this was filed on XX/XX/XXXX, 9 days after i got out of jail. Then on XX/XX/XXXX, only 4 days after i filed the dispute, i got an email from current dispute. 

it said : " This email is to inform you that a final determination was made regarding the card dispute claim that you initiated as follows : Dispute ID : XXXX Dispute Submission Date : XXXX Disputed Amount : {$2900.00} Based on the facts of the investigation, we concluded that no error occurred. Therefore, no credit will be issued to you. You may request a copy of the documents or written explanation used in determining the final outcome of the investigation at XXXX. If you require further assistance, please reply to this email. 

Best, The Current Disputes Team '' i immediately sent a reply email requesting that i have a copy of any explanations or anything they had that swayed there decision but not so polite. Today is XX/XX/XXXX and I still haven't seen any documents or written explanation concerning my dispute. Nor gotten back any messages to my response. I did finally stumble onto a telephone number for current bank and when i talked to a human finally after all these incompetent customer services reps that ive dealt with, I was even moreso distraught. She told me she understood my frustrations, but that unless there was new evidence to reopen the dispute that she was assuring me that Current Bank doesnt take there dispute decisions lightly. 

So now I am at a LOSS of what to do. My bank Current would not let my mother with my POA access my account with having all the right info for the bank... All the while my money was being siphoned out by someone else without my authorization, I want ALL my money back that was spent after XX/XX/2022 until my last direct deposit on XX/XX/2022. Any transactions after this last deposit were only to remove my money from this bank and keep it safe elsewhere. Please help, I dont even know where to start AGAIN!!!

Company response to consumer: Closed with explanation