Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FinCo Services Inc DBA Current (OR)

On XXXX XX/XX/2024 @ XXXX XXXX  XXXX I initiated a withdraw from my XXXX account, known as a XXXX I initiated this withdraw and selected my XXXX bank account XXXX and proceeded to withdraw the amount of {$2800.00} USD. 

It was apparent early on in the process that something had gone wrong. I was initially taken back by the fact that the withdraws / cash-outs are always followed by a XXXX and passcode request before they are finalized and sent. In the case of this particular withdraw / cash-out I was never prompted for the XXXX verification or the passcode. This occurrence spurred me to immediately check on the ACH transaction. At first glance I thought there to be some sort of an error as the ACH appeared to have been sent to XXXX XXXX XXXX rather than XXXX XXXX. But further research revealed that indeed the ACH transfer was sent to an account that was # 1 No longer even connected to my XXXX account. # 2 An account that I previously held with XXXX XXXX XXXX through the XXXX XXXX More concerning was this account with Current XXXX XXXX XXXX XXXX account # XXXX had been closed 15 days prior. 

I quickly moved to inform XXXX that their system had errored, immediately I was met with resistance to my claim and blame for this occurrence placed on me selecting the wrong account. I insisted this was not the case and provided to XXXX a screenshot showing the accounts were no longer connected. I informed XXXX that I was never prompted for XXXX input prior to the ACH initializing. Still I was met with resistance to my claim and the claim that I selected the wrong account persisted. I then attempted to deliberately and intentionally send a {$2.00} transfer via ACH to the closed Current XXXX XXXX XXXX XXXX account XXXX and the XXXX system would not permit me to do this. I informed XXXX of this information and this did nothing to persuade them to reconsider what had transpired. Feeling as if I were beating a dead horse so to speak, I changed my focus and began requesting that XXXX move to stop the ACH transfer. I was incorrectly informed this was not possible. I attempted to escalate this request to a higher level knowing that the information I was being given was inaccurate. These efforts proved to be in vein as well. 

I felt again as I was accomplishing nothing with XXXX and once more changed my focus. I know moved to inform Current XXXX XXXX XXXX XXXX that an incoming ACH transfer was imminent and bound for my previously held account # XXXX. I provided the details of this transaction and advised Current XXXX XXXX XXXX XXXX. 

AS FOLLOWS : On XXXX XX/XX/2024 @ XXXX XXXX PST I advised Current XXXX XXXX XXXX XXXX that there was an incoming ACH transfer to my previously closed account XXXX. I provided the transaction details and further advised Current XXXX XXXX XXXX XXXX that this ACH transfer was sent in error and that they Current / XXXX XXXX XXXX were not the intended recipients. Further I advised they were to return this ACH transfer to the originator in its entirety immediately referencing XXXX XXXX XXXX. 

On XXXX XX/XX/2024 @ XXXX XXXX PST I received a response to my message from Current XXXX XXXX XXXX XXXX asking me to identify my self. Including asking for my name, email address, last for of my account number. All this information was contained within the email that the individual was responding to. This is in addition to the fact that for more than a week prior to these most recent messages I had previously on multiple occasions advised Current XXXX XXXX XXXX XXXX that they were to return any and all direct deposits, ACH transfers or other deposits in any form. So this request for identity verification was nothing mote than an attempt to anger and frustrate me, On XXXX XX/XX/2024 @ XXXX XXXX  PST I received a notification from Current XXXX XXXX XXXX XXXX that read XXXX XXXX WE GOT YOUR {$2800.00} ACH DEPOSITI immediately sent an email stating that they must return that {$2800.00} deposit to the originator immediately. Again advising that they Current / XXXX XXXX were not the intended recipients of that ACH transfer. Again demanding that the ACH transfer be returned in accordance with XXXX rules and reference XXXX return code XXXX. 


Three days passed before Current XXXX XXXX XXXX XXXX would acknowledge receiving the ACH Transfer, even when I reported to them the notification announcing they received the transfer they denied sending the notification.. To this very moment I am still be asked for my address and phone number when contacting them. Its a stall tactics meant to anger and frustrate me. They have collected this {$2800.00} ACH transfer and at least two others but will not allow me to see an accurate detailed accounting of the formal account. They fabricated a statement indicating I was XXXX of dollars overdrawn which is preposterous in and of itself as their system will not allow one to become overdrawn. The statement they fabricated and sent to me was one that showed that - {$12000.00} had been drawn out and left me in arrears. Yet they failed to realize that the account was connected to one of my other accounts at one time and it showed where they indicated I was - {$15000.00} overdrawn, again this is an attempt to frustrate anger and deceive. They accuse me and the local XXXX, XXXX, XXXX and XXXX dealership of engaging in fraudulent activity. Absurdity, unsubstantiated and unfounded. They make these allegations yet they will not provide any details or facts. The fact of the matter is these people can cook statements and level unsubstantiated allegations all day long, however none of that excuses the fact that they were not authorized to accept these ACH transfers in my name. They were put on notice to return the ACH transfers within the time frame specified in the XXXX rules and regulations. There exist no excuse or reason that justifies the actions and blatant rule violations by Current XXXX XXXX XXXX XXXX. 

For the record on XX/XX/2024 XXXX XXXX XXXX was directly made aware of these events and have as of yet taken no action to correct this situation. My last attempt to reconcile directly with XXXX XXXX XXXX was via telephone on XX/XX/2024 at XXXX PST. The call ended with the representative from XXXX XXXX XXXX XXXX XXXX team hanging up the phone on me. The customer service agent previously transferred me against my wishes to Current, whom after identifying me and viewing my information insisted I had just been sent emails regarding this issue and hung up. No emails were received. Stall, delay, frustrate, accuse, lie, anger, deceive, then rinse and repeat.