Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FinCo Services Inc DBA Current
State: AL

Complaint narrative:
This is a formal complaint due to misleading and deceptive practices on the behalf of Current *, a mobile banking company. 

Over the past year, there has been a merchant that had somehow gained access to my Current * Banking Credit Card, and continuously tried to charge me for a service I do not have. The merchant was XXXX XXXX, and they would attempt to take around {$47.00} every couple of weeks from my account. When I first noticed this I immediately called the Customer Service number at Current * ( XXXX ) to ask them to block the XXXX and report the suspicious activity. The agent stated that they would not be able to block the merchant since the frequent attempts of charges never actually posted. This frustrated me, and so of course I asked for documentation or some type of reference number for the call in case a charge ever came through from XXXX XXXX. The agent never provided me with XXXX. 

Over the next few weeks, I tried to login to XXXX XXXX website with several of my own emails to see if there was an account made with my information, or something of the sort. I found no account under any of my own information. I kept seeing them attempt to charge me however, so I had no choice but to try to keep my balance under {$48.00} as often as I could to avoid them reaching it. After weeks of this, I contacted Current * Customer Service again, and this time cancelled my Credit Card, where they assured me that no one should be able to charge my new Credit Card. I waited and to this day have never activated the new physical card. However, the new virtual credit card was automatically activated, and about a week after receiving this new information, XXXX XXXX began to STILL charge the new card. This kept going on until XXXX, where XXXX of the charges for {$49.00} finally went through. I called Current * to dispute this, and told them that I have no account with Misfits Market, and told them how they were the entire reason I got a new credit card. 

After filing the initial dispute, it was denied in LESS than XXXX hours. I asked for further information regarding my denial, and no information was EVER provided. 
I was told in order to appeal, I needed to provide documentation showing communication with the merchant. I contacted the merchant XXXX XXXX through email at XXXX because the Merchant Phone Number listed is no longer in service. The merchant responded and even STATED that the purchases were fraudulent, and I attached this document to my request to appeal. When I sent my request to appeal, I was first told it would take a few days to investigate, then I received a response that my appeal request was denied due to " not providing documentation ''. I attached documentation both in my original request and in my response to this message. Never received an update. 

After this I spoke with someone on the phone again to request further information again. She told me she would have it sent to me, it never came. I also noticed at this time that there was another charge from XXXX XXXX on XX/XX/XXXX for {$47.00} that I missed. I filed a dispute for it with proper documentation on XX/XX/year>. It was immediately denied less than XXXX hours later on XXXX. This is proof of fraudulent behavior on behalf of Current *, because XXXX is a national bank holiday. There is absolutely no way they conducted, completed, and resolved a dispute request on a national holiday. 

This leads me to believe that they using deceptive practices and failing to actually investigate their disputes. They are also using AI or a system to automatically deny disputes and produce responses without ever looking into the provided documentation. This has cost me {$96.00}, in misappropriated funds. And I am now no longer sure that Current * cares to protect my financial information or identity. I would like to be refunded that amount and request that they remove my financial and personal information from the Credit Card account.

Company response to consumer: Closed with explanation