Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (TX)

Recent Email from myself to current bank that I had an account with from XXXX to XX/XX/XXXX. 
I had an account with your company current bank from XXXX to this year, I had my XXXX XXXX deposited into my account. XX/XX/XXXX I was XXXX XXXX XXXX I did not get released from XXXX until XX/XX/XXXX, XXXX when I was released I accessed my current account and found that I had over {$2000.00} and fraudulent charges on my account. I contacted Current immediately and reported my situation and the fraud. I sent proof of my XXXX as requested to the fraud division and was told that it was received and satisfactory for my dispute, A couple weeks later as Im waiting for a response from the fraud division, when I tried to log back in to check status my account I was locked out and was told when I called that my account has been closed and all communication will be via email through the fraud department. This was XXXX months ago. the XXXX department told me that the investigation proved that all charges were fraudulent and then XXXX be receiving a refund of all charges totaling over {$1900.00}. All they all I have received is XXXX {$6.00} checks This is completely unacceptable. You are a FDIC insured company, which means you are required to abide by ethical banking standards. I showed proof that I was incarcerated and unable to make any of the transactions from XX/XX/XXXX To XX/XX/XXXX. I have been told numerous times by representative on the phone that XXXX have received my documentation and that a refund would be issued. Sent an email that my refund check would be issued within XXXX  days and that was XX/XX/XXXX. I need to speak with a XXXX or somebody that is in charge. I need a phone number. This is fraudulent on your part and if I do not receive my funds or communication with a live person that is a management, I will be reporting your institution to the office of the comptroller of the currency which regulates all national banks to ensure that they are abiding by ethical standards. I also need all account statements as you have blocked XXXX for me to print out online. 

Thank you,. I had an account with your company from XXXX to this year, I had my stimulus checks deposited into my account. XX/XX/XXXX I was XXXX XXXX XXXX I did not get released from XXXX until XX/XX/XXXX, XXXX when I was released I accessed my current account and found that I had over {$1900.00} and fraudulent charges on my account. I contacted Current immediately and reported my situation and the fraud. I sent proof of my XXXX  as requested to the fraud division and was told that it was received and satisfactory for my dispute, A couple weeks later as Im waiting for a response from the fraud division, when I tried to log back in to check status my account I was locked out and was told when I called that my account has been closed and all communication will be via email through the fraud department. This was XXXX months ago. the XXXX department told me that the investigation proved that all charges were fraudulent and then XXXX be receiving a refund of all charges totaling over {$1900.00}. All they all I have received is XXXX {$6.00} checks This is completely unacceptable. You are a FDIC insured company, which means you are required to abide by ethical banking standards. I showed proof that I was XXXX  and unable to make any of the transactions from XX/XX/XXXX To XX/XX/XXXX. I have been told numerous times by representative on the phone that XXXX have received my documentation and that a refund would be issued. Sent an email that my refund check would be issued within XXXX  days and that was XX/XX/XXXX. I need to speak with a XXXX or somebody that is in charge. I need a phone number. This is fraudulent on your part and if I do not receive my funds or communication with a live person that is a management, I will be reporting your institution to the office of the comptroller of the currency which regulates all national banks to ensure that they are abiding by ethical standards. I also need all account statements as you have blocked XXXX for me to print out online. 

Thank you, They never responded via email and responded with this on XXXX After further review, it appears that your account has been closed & were truly sorry for the inconvenience this has caused. 

The safety of our community is our top priority, and at times we may close an account if we recognize unusual activity. We completely understand how frustrating this can be and we only make these difficult decisions after a detailed investigation. Our XXXX XXXX sent you an email with additional information regarding your accounts closure on XXXX XXXX, XXXX, as well. 

You can search your inbox for an email with the subject " An Important Message About Your Current Account. '' We also suggest checking your spam and junk folders if youre unable to find this email. 

If you have additional questions or concerns regarding the status of your account, please respond directly to our XXXX teams email & theyll get back to you within XXXX business days. 

Thank you for understanding & we wish you all the best in your They continuously send me and circle to email someone that Stopped responding months ago