Consumer complaint received 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FinCo Services Inc DBA Current
State: SC

Complaint narrative:
It all started on XX/XX/XXXX, with an unauthorized charge all the way across the country in a state I have never even been to at a company I have never visited, company being XXXX. The initial charge ( s ) prompted me to lock my cards and reorder them, causing me to contact the bank to resolve the issue by filing a dispute on the original charge it being {$84.00} and placed on my credit card provided by the bank. After re-ordering my card, a second and third charge, was placed on XX/XX/XXXX at XXXX in Washington state once again, being {$23.00} AND {$30.00} respectively. These XXXX prompted me to call the bank. Their explanation being, " It was forced through the merchant and has nothing to do with them, '' later denying my disputes and claiming I did indeed somehow possibly spend money at a grocery store XXXX miles away from me. This prompted me to move my money to a new bank account. 

After moving my money on XX/XX/XXXX, XXXX more charges at XXXX were placed, {$47.00} and {$42.00} dollars respectfully. This caused more contact with the bank and file more disputes. Additionally, my account had overdraft XXXX, supposedly not allowing my account to be in the negative at this point. Even after initiating an account closure on my credit card on XXXX XXXX and receiving a confirmation Email stating the following : " Weve received your request to close your XXXX XXXX account. Your card is now frozen and you wont be able to use it for future purchases. Well send you your final XXXX XXXX statement at the end of the billing period after your account has been closed. '' Even after being told my account was frozen and making a last stitch effort in closing the credit card account, STILL repeated unauthorized charges across the country appear on a " XXXX '' credit card. 

On XXXX XXXX, a XXXX charge ( {$53.00} ) was yet again processed, which was paid for automatically by my federal tax return being deposited into my account, further losing me money which is rightfully mine. After repeated attempts to rectify this situation and repeated impossible unauthorized charges with the bank, while being told I made the purchases and having my disputes repeatedly closed and denied, losing me hundreds of dollars combined, which I only paid out of fear of negatively impacting my credit, I eventually made the decision to close the checking account as well, being told it would take up to 30 days. 

Leading us to today, XX/XX/XXXX where in {$330.00} consisting on XXXX separate transactions being {$130.00}, {$84.00}, and {$120.00}. All of which are unauthorized and a repeated blatant fraud that is continuously being allowed by my former bank on a credit card in-which I was told was being closed and is frozen. 

All of the about transactions were disputed and denied, minus the XXXX most recent today. which are still considered open because I have just disputed them.

Company response to consumer: Closed with monetary relief