Consumer complaint received 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
Dear Current Customer Service, I am writing to formally dispute several fraudulent transactions that appeared on my account ending in XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/year> another family member and I noticed some unsettling activity across our bank accounts. Multiple unauthorized fraudulent transactions from the XXXX XXXX XXXX. These transactions, totaling over {$3500.00} are unauthorized, fraud and were not made by me. I have already made several attempts In good faith to contact the merchant. I have yet to receive a response concerning this matter. XXXX XXXX is continuing to show negligence in this complaint. As they have yet to respond to my first attempt of contact from 17 days ago, despite my recent complaints made with the FTC. Please investigate and remove these transactions from my account immediately. Please return the money that was stolen from my bank account at expeditiously. For this crime committed against me has caused tremendous hardship to me and my family and children. I also have reasonable suspicion to believe that current was involved in the fraud scheme. Ive made several attempts to request a copy of the documents or written explanation used in determining the final outcome of the investigation. I have also attached a list of the disputed transactions for your reference, as well as evidence showing exactly when, where and how the scammer/hacker attempted to steal my account information or how it may have been already compromised without my authorization. The total amount of money from all the fraudulently withdrawn transactions was a sum of {$3800.00} On XX/XX/year> I received Dispute Update in an email from Current with a letter stating A careful review of your transaction history, merchant data, and indicators of account compromise found there was no error in these instances, and the transactions in question were authorized by you. Therefore, no credit will be issued to your account. You will remain liable for the original disputed transactions. You may request a copy of the documents or written explanation used in determining the final outcome of the investigation at XXXXcurrent.com Sincerely, XXXX XXXX XXXX Current I again went ahead and requested the document supporting their claim that they couldnt find any errors from their investigation. Today XX/XX/year> marks the eighth business day since Ive received the Dispute Update. I have not received any supporting documentation as to how this outcome was determined. According to US Code 1005.11 ( c ) ( 1 ) A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred. Having yet to receive a response concerning the requests. I also have reasonable suspicion to believe my consumer rights are being violated, and current bank may be involved in a bank fraud. Also considering that my my purchase data has been compromised allowing hackers/scammers to have better opportunity at knowing when to target consumers like myself. As well as the concealing of the document supporting their alleged outcome. Thank you for your prompt attention to this matter. I look forward to resolving this issue and ensuring the security of my account. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation