Consumer complaint received 2021-02-07
Company: FinCo Services Inc DBA Current
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To Whom It May Concern : I am writing to you concerning a company that does on line banking, and their website is : current.com. They have you listed at the bottom of the page on their site as someone who may be endorsing them. I am writing to repot them to you. This company has stolen my money or they had a security breach and did not notified their customers. They have over 317 compliants from the XXXX XXXX XXXX. 

On XX/XX/2021 there three transactions posted to my debit card- all from the XXXX . At the time these transactions were being perform I was act my local post office making an purchase. I didnt notice these transactions until I went to a supermarket to purchase food and the cashier kept telling me that the purchase who not go through. I contacted the company they asked for receipt numbers and I looked on my phone and supplied them with the information they needs. They informed me that the dispute would take anywhere from 10-90 days to resolve. 

You can not physically talk to anyone and they claim this is because of COVID they are not letting anyone in their office for the safety of their staff. I have asked several times for the corporate office address and they refused to give me that information as well, and refused to give me to a supervisor. Each time I asked if they would have someone call me I was told that could not happen. All the customer service reps are rude and nasty. They would not supply me with a copy of the chat but stated I could take a snap shot of it with my phone which they know would not give me the whole chat conversation. I have spoken to the following reps and their were more but at the time I could not get a snap shot of the conversation because I had to have someone show me how to do this. Some of the customer service reps were, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. These may not even be real people. 

I contacted them everyday and each day they gave me the runaround and told me to wait, I coud not put gas in my car, or pay a bill, or buy food. I had to borrow money that I could not even pay back. They knew these were fraudlent charges. I became completely mentally and emotionally exhausted. By the eight day they sent me a email saying these chages were valid and was not paying me back any money. They sent me a new card however the card was never activated bur yet these same people in the XXXX were trying to use the new card and I kept getting alters saying the charge would not go through because the card was not activiated. When I tried writing them and responding to a email they wrote me I couldn't because their email stated no rely to this email. 

It is frustrating and annoying that they would do this to customers, on one of the complaints I read they stole XXXX from a customer and it is 4 months and they still have not given her back her money and she is now getting an attorney to fight this. I asked them to tell me who made these purchases and they would tell answer that question for me either, they just kept having the reps give me the runaround and stated they were not refunding my money. I work hard for my money and is a senior citizen for someone to just take my money from me. They claim they are a reputable on line banking company and their clients are protected from this type of fraud. I am believing that I think this could be a inside job especially since when they claim they sent out a new card it got it virtually on my and these sme people began trying to use it. 

I am reporting this to everyone on the bottom of their website and have sent a email to the XXXX, and to the Attorney General in New York City about this company. They are a fraudulent company and I WANT MY MONEY BACK NOW. I hope this company is not condoning this type of behaviour from this company. 
I would appreciate someone contacting me back ASAP on Monday regarding this issue.

Company response to consumer: Closed with explanation