Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FinCo Services Inc DBA Current
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX WOULD LIKE CURRENT TO:\n1. REFUND XXXX XXXX  RECOGNIZE THAT THERE WERE SUFFICIENT FUNDS IN THE ACCOUNT. THE FUNDS WERE IN FACT SECURED FOR THE PAYMENT.\n3. ACKNOWLEDGE THAT THE TRANSACTION FAILED NOT BECAUSE FUNDS WERE INSUFFICIENT BUT FOR SOME OTHER, FOREIGN, REASON (THE BANK\'S TECHNICAL ERROR)\n\nREGARDING XXXX XXXX XXXX PAYMENT TO XXXX \n1. XXXX  ACKNOWLEDGED RECEIPT OF PAYMENT ON XXXX IN THE AMOUNT OF XXXX XXXX. THE FUNDS WERE SECURED AND XXXX  ISSUED A RECEIPT - XXXX XXXX THE TRANSACTION "FAILED" ON XXXX XXXX DAYS LATER - XXXX XXXX XXXX THE BANK CLAIMS THAT THERE WERE INSUFFICIENT FUNDS, WHICH IS NOT TRUE. THIS WAS NOT A DEBIT CARD TRANSACTION BUT AN ACCOUNT TRANSACTION: THE RELEVANT BALANCE IS THE ACCOUNT BALANCE, SPENDING PLUS SAVINGS, NOT THE SPENDING BALANCE. THE FUNDS WERE IN FACT SECURED SO THE FUNDS COULD NOT HAVE BEEN INSUFFICIENT. XXXX ACKNOWLEDGES THAT THEY ISSUED A RECEIPT BEFORE RECEIVING THE PAYMENT; BUT REFUSE TO HONOR THE RECEIPT DESPITE THEIR ERROR AGAINST THE CUSTOMER.\n3. A REFUND TO MY ACCOUNT STARTED BUT "FAILED" XXXX XXXX XXXX XXXX XXXX XXXX THE BANK CLAIMS THAT THE MONEY WAS PUT BACK INTO THE ACCOUNT, WHICH ISN\'T TRUE. A SCREENSHOT SHOWS THAT THE REFUND WAS NOT SUCCESSFUL.\n\nTHESE SEQUENCE OF EVENTS CAN BE SEEN IN THE SCREENSHOTS.\n\nAS OF TODAY, NEITHER XXXX HAS SETTLED THE PAYMENT AS MADE OR HAS THE BANK ISSUED A REFUND.\n\nACCORDING TO XXXX THE MISTAKE WAS MADE BY THE BANK WHEN THEY DENIED THE FUNDS DESPITE THE FACT THAT THERE WERE SUFFICIENT FUNDS IN THE ACCOUNT. REGARDLESS, I CLAIM THAT I HAVE A RECEIPT OF PAYMENT AND THAT XXXX SHOULD HONOR THIS RECEIPT ON THE BASIS OF THE CONTINGENT DAMAGE. TECHNICAL MATTERS TO BE RESOLVED BETWEEN THE BANK AND XXXX\n\n FURTHERMORE, NOTICE THAT FOR THIS SPECIFIC MERCHANT SOME THINGS CHANGED AFTER THE FAILED XXXX PAYMENT: PRIOR TO THE FAILED XXXX PAYMENT CURRENT BANK DOES NOT GIVE THE OPTION TO BLOCK TRANSACTIONS. BUT THIS OPTION IS PRESENT IN THE FOLLOWING PAYMENT. FURTHERMORE, THE ICON CHANGES FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFTC REPORT XXXX XXXX XXXXFILED A COMPLAINT WITH THE XXXX XXXX XXXX XXXX XXXX XXXX COMPLAINT XXXX  SENT TO THE BUSINESS.XXXX XXXX XXXXASKED THE XXXX ABOUT THIS COMPLAINT.XXXX XXXX XXXXFILED A COMPLAINT XXXX XXXX XXXX XXXX TODAY XXXX IS THREATENING WITH SERVICE INTERRUPTIONXXXX XXXX XXXXASKED THE FTC TO HELP WITH THIS COMPLAINT.XXXX XXXX XXXXDISTRICT ATTORNEY, XXXX XXXX XXXX XXXX THE XXXX CURRENT STATES THAT THEY CANNOT VERIFY MY IDENTITY BUT DO NOT STATE WHAT THRY NEED TO RESOLVE THE MATTER.\n\nTHE XXXX  REQUESTS PROOF THAT I HAVE CONTACTED CURRENT AT THEIR SUPPORT ADDRESS. THIS PROOF WAS PROVIDED.XXXX XXXX XXXXASKED THE XXXX FOR STATUS OF THIS COMPLAINT.\n\nFILED A COMPLAINT AT THE OCC. IF COMPLAINT IS CREATED AN ASSIGNED NUMBER WILL BE SENT WITHIN 2 DAYSXXXX XXXX XXXXAGAIN FORWARDED THE PROOF REQUESTED TO XXXX XXXX XXXXCONTACTED THE OCC AT \nXXXXASKING FOR THE COMPLAINT NUMBER.\n\n2025 08 29\nCONTACTED THE PROSECUTOR IN XXXX XXXX XXXX XXXX XXXXnCURRENT INSISTS THAT THE FAILED PAYMENT WAS REFUNDED USING NUMBERS TO WHICH I DO NOT HAVE ACCESS AND DESPITE THE SCREENSHOT SHOWING "FAILED"\n\n\nDAMAGE\nOVER A DECADE OF ATTACKS SIMILAR TO THESE HAS LED TO XXXXTODAY I SUFFER FROM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCLUDING:\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, THE SOCIAL SECURITY ADMINISTRATION, THE COUNTY OF XXXX  IN THE STATE OF MONTANA, XXXXAND MANY OTHERS HAVE BEEN DOCUMENTED TO \nESTABLISH A CONSPIRACY:XXXX XXXX STEALING THE PLAINTIFF\'S PROPERTY - INTELLECTUAL AND OTHERWISE.'

Company response to consumer: Closed with explanation