Consumer complaint received 2026-04-12 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: MA

Complaint narrative:
On XX/XX/XXXX, I checked into the XXXX XXXX and XXXX at XXXX after pre-paying for my reservation at XXXX through priceline.com. At the time or check in, I was told that becuase my reservation was already paid for, the hotel would need me to present payment for a pre-authorized hold in the amounts of {$20.00}. Immediately after doing this ( on my Current XXXX XXXX ), I received notification of a {$100.00} charge by the hotel. I immediately asked the agent about this, and I was advised that it was an error that would be adjusted. On XX/XX/XXXX I followed up on the issue with the XXXX XXXX Manager and was told that she was taking care of it and this hold would not post and simply drop off of my acct. On XX/XX/XXXX, the status.of the transaction was changed from " pending '' '' to " posted '' in the amount of {$96.00}, time stamped on XX/XX/XXXX at XXXX. The merchant listed was XXXX XXXX XXXX XXXX and the XXXX transaction remained where it had been. During my entire stay, I did not make any purchase or reservations directly with this hotel and payment for every reservation is reflected in transactions from XXXX. Initially, I presented this issue to the hotel, as it seemed to he their error. While it in fact was their error that the transaction was ever made, I later learned that the reversal for this payment was made on XX/XX/XXXX, and it seemed my only option would now be to file a dispute with the bank, which i did on XX/XX/XXXX. That dispute remained in progress with no follow up until XX/XX/XXXX when I contacted the bank to follow up after retrieving and submitting the supporting folio from hotel which reflected not only that there were no charges to the account but also reflected the reversal of this payment. After several more days with no information I contacted them again. In that conversation I explained that since all customer service reps and managers seemed unable to provide any information or resolution and I would need to wait for their dispute team to manage this, I explained that it seemed it would be best to cancel the dispute since it was more than evident at that point that the merchant had actually completed their part in the issue and the continuation of this issue was now with Current. I was told this was impossible. All I could do was wait. The very next day I was notified the dispute was now " canceled at customer request ''. I was shocked. I called immediately and reviewed the entire situation again with XXXX rep who, to date, has been the only person there who actually understood what was going on. He allowed me to re-file the dispute but informed me it would not be eligible for a provisional credit since I canceled the previous one. I thanked him, and respectfully requested to still speak to a supervisor to discuss the provisional credit issue. I was forwarded to a supervisor who was determined to not only decline my request but do so by ignoring the entire conversation I just had with that rep and cherry pick content from my previous calls to present a narrative that I canceled the previous request and understood that meant I was liable for this charge which could not be further from the truth. Nonetheless, I trusted that in this new dispute, filed with the supporting documents, a resolution would be in my.future as this could not be clearer. I was outraged to find on XX/XX/XXXX that the new dispute was denied, stating that it found " no error '' despite tje documentation directly from the merchant which clearly states there was an error and contains the complete transaction information for the resolution, which Current continues to claim is nowhere to be found in their records. If that is true, they should not have denied this dispute claim and should have provided provisional credit as the documents clearly stated this reversal was made. Between the merchant and this bank, I have been subjected to countless hours of my time on the phone reviewing this entire issue, being interrupted, and being forced to listen to what is clearly canned responses that have little to no relevance to my actual issue and bring me no closer tl a response. At this time, I feel I am stuck in a stale mate between these XXXX parties, but I believe it is the irresponsible action of Current to have denied my dispute claim and refused at least a provisional credit, pending proper investigation of the issue, which clearly did not occur. It doesnt seem to me that any review of fhe facts presented occurred at all.

Company response to consumer: Closed with explanation