Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (CO)

I had received an emergency phone call regarding a family member that required me to leave state immediately. I had been living at an ex-boyfriends house, whom I was no longer dating but still renting a room from his mother when I had to leave unexpectedly. Right before leaving i received the over payment in my Current Checking account from my student loans that I had been awaiting to receive because I have had some very important things to get and to handle for school with those funds. During my panic and rush out the door and to get to my flight, I mindlessly forget my XXXX, which had a case on it that also stored my cards etc. The very moment I noticed i did not have my cell phone with me or my ID and cards, I used a public phone at the airport asking my ex boyfriend to please locate those items in the house and put them in a secure place for me so that no one can access my stuff. I was assured that things would be safe and not to worry. While I was out of town, my mom helped me purchase an XXXX  cell phone for cheap just so I would have a phone to use as needed and could handle things I needed to for myself while i was away. Meanwhile, my ex-boyfriends nephew and his friend were in the house while my ex was gone and decided to go through our things and take things at leisure. They got ahlold of my cell phone, cards, ID, and of course all my accounts were logged into on my phone that was there, so they accessed all my money and drained my account entirely before I had a chance to do anything with it really. I filed a police report, disputes, froze my credit, etc right away. I submtted proof more than once of the police report filed against the XXXX guys, i provided proof that XXXX of the males, my ex 's nephew had been charged and arrested for what he stole from my account, I have continuously kept Current in the loop, and I have provided everything that I can provide them with, only for them to deny most of the disputed items, yet refunding me only {$200.00} of the stolen money. There had been so many items i had too dispute during that XXXX issue that the rep had to break it down into XXXX disputes, yet it was XXXX issue only. They said I won XXXX of them but not the other XXXX when I explained to them it was all the same exact problem and issue, so that if I won XXXX of them, then I shoud have won all of them and that the only reason they were broke down into XXXX disputes was because of the amount of transactions disputed, not because they were XXXX separate issues. They continue to deny me the rest of the money stolen from my accounts or to even understand what i have tried to explain numerous times. When i ask to speak to management, I am told they want a reason why, when I refuse to speak with the reps anymore, they refuse for me to speak to anyone higher than them or apart of the disputes team and always hang up on me. Then, I recently had another dispute i had to file with the same bank, it was items I ordered through a delivery company for nearly {$40.00} that I never received and was told by the company I would be fully refunded for as a XXXX time courtesy. I provided the rep with the email stating so. They have denied refunding me my money even though i provided proof of the issue again. I clearly should have won alll the disputes, refunded all my money owed to me, and this bank absolutely refuses to do so! They are probably getting my money back and stealing it themselves for all I know. They lack professionalism and understanding and empathy at all. I am offended, frustrated, and a very upset consumer because of the mistreatment I have recieved from this place and no resolution to the issues other than legally for what i have continued to fight with no hopes of getting any of my money back other than around {$200.00} out of what was taken from me. This is insane. This company is a scam and stealing peoples money and doing nothing to protect or help consumers at all.