Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
Subject : URGENT - Formal Complaint : Current Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer in Critical Financial Hardship To the Consumer Financial Protection Bureau, I am filing an urgent formal complaint against Current Bank XXXX XXXX XXXX XXXX XXXX XXXX ) for wrongfully holding a XXXX  XXXX XXXX XXXX  ( XXXX ) unemployment insurance deposit, resulting in severe financial hardship and food insecurity. 

-- - * * COMPLAINANT INFORMATION : * * Date of Complaint : XX/XX/XXXX -- - * * INCIDENT DETAILS : * * * * Deposit Information : * * - Source : XXXX  XXXX XXXXXXXX XXXX  ( XXXX ) - Unemployment Insurance Payout - Deposit Date : XX/XX/XXXX - Amount : {$900.00} - Deposited to : Current Bank Account * * The Problem : * * Current Bank has frozen/held this legitimate unemployment deposit for over XXXX week without authorization, explanation, or justification. Despite sending XXXX support emails over the past 7 days, Current Bank has completely ignored all requests for assistance, information, or resolution. 

* * Current Situation- Critical Hardship : * * I am currently stranded in a foreign country ( XXXX ) with no other means of financial support. This account freeze has left me without access to food, or basic necessities for over one week. I am at risk of losing my housing. I am experiencing active food insecurity as a direct result of Current Bank 's actions and their refusal to respond to my pleas for help. 

* * Timeline of Events : * * - XX/XX/XXXX : XXXX unemployment payout deposited to Current Bank account - Within hours/days of deposit : Funds frozen/held without notification - [ Date - approximately XXXX XXXX XXXX ] : Sent XXXX emails to Current Bank support requesting explanation and resolution XXXX XX/XX/XXXX : XXXX responses from Current Bank ; situation critical ; filing this complaint * * Why This Is Illegal/Improper : * * XXXX. Current Bank has no legitimate reason to freeze a direct government deposit ( XXXX  unemployment ) XXXX. Current Bank has failed to provide any written explanation for the hold XXXX. Current Bank has failed to respond to customer service requests XXXX. This hold is causing severe financial hardship and violates consumer protection standards XXXX. Unemployment payments are protected funds, and freezing them without cause is a violation of banking regulations * * Previous Actions Taken : * * - Sent XXXX emails to Current Bank XXXX team - Attempted to reach customer service - Made reasonable requests for explanation and immediate resolution - Received XXXX responses or acknowledgment * * Impact on Complainant : * * - Unable to access funds needed for food ( currently experiencing food insecurity ) - Stranded internationally without financial means - Unable to afford shelter, utilities, or basic necessities - Severe emotional and physical stress from being ignored while in crisis -- - * * WHAT I DEMAND : * * 1. * * Immediate Investigation * * into why these funds are frozen XXXX. * * Immediate Release * * of all held funds to my account XXXX. * * Written Explanation * * from Current Bank stating the reason for the hold ( if any legitimate reason exists ) XXXX. * * Response * * to all XXXX support emails I have sent XXXX. * * Compensation * * for the harm caused by this wrongful freeze, including the food insecurity and hardship I have experienced -- - * * SUPPORTING EVIDENCE : * * I have copies of all XXXX emails I sent to Current Bank support, with timestamps, available for review by the CFPB XXXX 

-- - * * STATEMENT : * * This is not a minor inconvenience. Current Bank 's actions have put me in a position where I can not afford to eat. I am stranded in a foreign country dependent on this legitimate government payment. Their complete silence over one week constitutes negligent and harmful business practice that violates consumer protection laws. 

I can not even log in to the APP to see my ACCOUNT NUMBER because of being temporarily overseas. CURRENT OFFERED NO HELP HERE. I HAVE INCLUDED THE DEBIT CARD THE FUNDS SHOULD BE RELEASED TO IN LIEU OF ACCOUNT NUMBER AS CURRENT WILL NOT FURNISH IT. 


I request urgent intervention and investigation by the CFPB. 

Respectfully, XXXX XXXX XXXX Current Bank Account Number Available

Company response to consumer: Closed with explanation