Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
On XX/XX/XXXX. 2025 I placed an order with the merchant XXXX Corporation for a same day delivery order in the amount of {$240.00}. The order was almost immediately cancelled by XXXX due to what they called a technical error. No payment should have ever been taken from me for this cancelled order. As of today, XX/XX/year>, I have not only still not received my {$240.00} back that was initially authorized at the time of this purchase, but I was also subsequently double charged for this same cancelled order five days AFTER its cancellation by Target for an additional {$240.00}, bringing the total theyre currently holding from me up to {$480.00} for a cancelled order. I have contacted both XXXX and my bank ( XXXX XXXX ) multiple times over the last three weeks attempting to get my money back but they both keep telling me the other one needs to stop the authorizations to my account, they cant do anything to stop it. The bank is telling me every time I call that they dont have any fraud protocol in place to be able to help me, they have no ability to manually remove these authorizations because the merchant keeps reauthorizing them over and over which in turn keeps resetting the time clock on when the newest pending authorization will expire off, thus never allowing the transaction to fully settle so that I could dispute it, but allowing them to continue to charge my account whenever they choose to and take more of my money away from me indefinitely. Customer service is a nightmare, they hang up on me, refuse to let me speak to any member of management or give me any corporate office contact information, or they outright lie to me and just make up a date the newest authorization will supposedly fall off. But it never does, because they refuse to manually remove it or block the merchant from accessing my account, they just keep telling me they have protocol in place and so they cant do anything to help me get my money back. Because of this nightmare my account ended up getting put {$160.00} into the negative for almost a week, which barred me from being able to pay several of my bills on time during the last several weeks this has been going on, resulting in multiple late fees and both my home internet and cell phone services being turned off for almost a week because I couldnt pay them on time thanks to Current continuing to allow this to happen over and over again for weeks despite my many attempts to contact them to get it stopped, and their absolute denial of any responsibility in the matter, their own admitted complete lack of any type of fraud prevention protocol, and their inability or refusal to manually remove these charges from my account, return my money to me, and stop it from happening. All theyve done is pass the buck back and forth with the merchant, both saying the other is at fault and nobody ever actually fixing the issue. They have boldface lied to me, hung up on me, and completely brushed off my concerns the entire time this has been going on. I want my money that I am rightfully owed returned to me, and I want Current to have to cover any late fees I have and/or will incur for any of my expenses due to their inability to deliver on their advertised services and their complete lack of any protocol or support to help their customers in instances of fraud. They not only do not help in these instances, they actually hinder their customers attempts to circumvent fraud from reoccurring on their account. They actively help merchants continue any fraudulent behaviors against their own customers and hinder the customer at every possible step of the way in trying to stop fraudulent transactions from being able to negatively affect their bank accounts.

Company response to consumer: Closed with explanation