Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
For the " What happened '' field, paste this : I am a California resident and account holder with Current Bank XXXX XXXX XXXX Bank ( Build Card Account * * * * * * * * * * XXXX ). I am filing this complaint to report multiple billing violations, unauthorized fund sweeps, and failure to respond to formal written disputes. ISSUE XXXX UNAUTHORIZED PAYMENT DATE CHANGE : I canceled my Build Card AutoPay on XX/XX/XXXX, before the XX/XX/XXXX due date. Without my knowledge or consent, Current moved the payment date to XX/XX/XXXX. This is an unauthorized preauthorized transfer under the XXXX XXXX Transfer Act ( XXXX ), 15 U.S.C. 1693. ISSUE XXXX POST-CANCELLATION UNAUTHORIZED CHARGES ( {$710.00} ) : I submitted a written cancellation request on XX/XX/XXXX via in-app chat. The following charges posted after that date with no prior authorization history : XXXX XXXX {$530.00} posted XX/XX/XXXX, Agoda.com {$97.00} posted XX/XX/XXXX, XXXX {$84.00} posted XX/XX/XXXX. Under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, I am not liable for post-cancellation charges where no prior authorization existed. ISSUE XXXX SECURITY HOLD RELEASE WITHHELD ( {$220.00} ) : On XX/XX/XXXX, Enterprise Rent-A-Car processed both a {$530.00} final charge and released a {$220.00} security hold simultaneously. Current posted the {$530.00} charge immediately but has never posted the {$220.00} hold release, confirmed by the complete XX/XX/XXXX XXXX XXXX statement. ISSUE XXXX UNDISCLOSED TWICE-MONTHLY FUND SWEEPS : Current Bank XXXXonducts automatic mid-cycle sweeps of my secured account on the XXXX of every month since account opening in XX/XX/XXXX, in addition to standard monthly payments. These sweeps were never disclosed or authorized. On or around March 14-15, 2026, approximately {$2900.00} was swept from my Secured Account against a XXXX XXXX balance of only {$1200.00} a {$1000.00} overage never returned or explained. Current 's own agent confirmed in writing on XX/XX/XXXX that these sweeps occur behind the scenes and do not appear in the app. This is an undisclosed preauthorized recurring transfer in violation of EFTA and Regulation E, 12 C.F.R. 1005.10. ISSUE XXXX FAILURE TO RESPOND TO FORMAL DISPUTES : I submitted formal written disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of today, XX/XX/XXXX, Current Bank has not responded to any dispute, violating FCBA acknowledgment and resolution requirements. ISSUE XXXX WITHHOLDING MY OWN FUNDS : Current Bank holds {$4900.00} in my Secured Account {$2300.00} more than the {$2600.00} balance claimed due. They have the funds to zero the balance today. The refusal to do so while demanding payment constitutes withholding of my own funds. What I want the company to do : Apply the {$4900.00} secured funds to zero the {$2600.00} balance and return the {$2300.00} surplus to my spending account. Credit {$710.00} for post-cancellation charges. Credit {$220.00} for withheld hold release. Provide full accounting of all XXXX sweeps from XX/XX/XXXX to present. Confirm in writing that no adverse credit reporting will occur during open disputes per XXXX U.S.C. XXXX ( d ). ''

Company response to consumer: Closed with explanation