Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FinCo Services Inc DBA Current (WA)

I submitted a disputed transaction with Current Bank against a fraudulent seller... XXXX. I was assured that my dispute would be processed ... and I was credited the full amount of the fraudulent charges... 

I was led to believe that no further action would be required on my part and the issue was then resolved. 

However, I was never then notified and/or contacted that Current Bank had reversed their decision. And awarded the fraudulent company XXXX the amount owed...? 

I need clarification as to why I was never notified ...? I did not learn of the reversal until months later when I viewed a Current Banking statement and noticed the fraudulent charge...? Along with a credit reversal? No further information was provided and/or given regarding the basis for their decision. I was never contacted via email, text or phone? And was not made aware of their decision. 

The issue involves fraud and the fraudulent seller XXXX. I purchased a product A XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ... my Current Banking Card was then charged and drawn the full amount of the purchase. And I received 'no goods or services ' in return. I never received the purchased item... Current Bank should then reverse the payment purchase of {$82.00} for the transaction, as it was not therefore authorized and I received XXXXno goods or services '. 

The seller was guilty of 'Fraud ' and had no intention of sending and fulfilling a purchase order. The sellers intention was to commit a crime. By fraudlently listing with 'criminal intent ' a false website listing wholesale prices for products that don't exist. 

XXXX is a 'fraudulent ' seller and is well known as such in the investigative online community. The following reputable sources all vouch for the affirmation that the seller is fraudulent... 

XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX at XXXX... I am advised that ... 'any Online users who have shopped at the fake store ( XXXX ) are asked to contact their bank or financial institution to have their transactions cancelled and or money refunded. '... I am therefore owed a full refund from Current Bank. For authorizing the transaction -that I had openly disputed, and had opened a case for. I did not or do not authorize the transaction ... and am owed the full purchase price ( not authorized ) drawn from my account. 


Reputable Sources affirming XXXX as fraudulent. 

# XXXX XXXX employs several deceptive tactics to scam unsuspecting buyers who make purchases on the site. The most apparent method isfailing to deliver the promised products, essentially taking the buyer 's money without fulfilling their end of the bargain. 

However, the extent of the scam goes far deeper than initially expected. Our investigation into the website and the modus operandi of scammers revealed a complex exploitation of every aspect of the platform to defraud individuals. 

XXXX # XXXX In reality, XXXX is an illegitimate scam website that engages in deceptive tactics to trick customers into placing orders and handing over their money or sensitive personal information. 

Customers who place orders on XXXX  end up either : Nothing at all The most common outcome. Orders go unfulfilled and simply disappear after payments are processed. 

XXXX # XXXX XXXX located at XXXX is a fake and scam online store claiming to sell hoodies, dresses, pants, shorts, bras and other apparel. Therefore, online shoppers run the risk of receiving counterfeit goods or nothing at all from the same store. Online users who have shopped at the fake store are asked to contact their bank or financial institution to have their transactions cancelled and money refunded XXXX at XXXX I did not or do not authorize the transactions ... and am owed the full purchase price ( not authorized ) drawn from my account. 

The fradulent seller XXXX used a very deceptive tactic to fool the credit card companies and banks investigating the fraudulent activities. ( In my case Current Bank with XXXX XXXX XXXX ) In my specific case XXXX set up a fraudulent shipping address located in New York in XXXX at area code XXXX. 

This address was used simply as a muse to deceive investigators. The address is a legitimate postal address. However not located in Washington State or in XXXX where the item should have been delivered if the company was legitimate. 

The tracking details appear legitimate shipped via XXXX XXXX. However what appears to be a delivered package on the date in question : Your item was delivered in or at the mailbox at XXXX XXXX on XX/XX/ XXXX 

Is in fact a ghost address and not a legitimate one. 

The shipment was then received at XXXX NY XXXX and no product received by or shipped to the consumer/buyer. 

The credit card company and Bank investigating both claim that my/the package was delivered on XX/XX/2023 at XXXXXXXX XXXX. And refuse to provide refund protection based on the tracking information. What was shipped to this ghost address? Likely not the product that was initially paid and ordered for. 

All of the information provided in the tracking information was not intended for the buyer at all. The intention of the fraudulent seller is/was to steal money and commit crimes and to hide these details from investigators. 

The address used in the tracking details was a ghost address used to deceive investigators. 

XXXX is a fraudulent non-existent company that on the surface appears ( ed ) legitimate. 

These are criminals who should be prosecuted by the full intention of the law. 

The company and the people behind it are stealing money from consumers banks and credit card companies. With no regard to legitimacy. 

Again, I did not or do not authorize the transactions ... and am owed the full purchase price ( not authorized ) drawn from my account.