Consumer complaint received 2025-07-07 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: WA

Complaint narrative:
Ok so my phone was stolen around the end of XXXX and it took me til XX/XX/XXXX to get a new one and when I was finally able to recover access to my account and I noticed several transactions that were made during the time that I didn't have a phone after mine was stolen so I immediately went to file a dispute with current bank and not only did they make it super hard to file a dispute with multiple transactions they wanted me to go to each one and give them the receipt numbers which I had to leave the chat every time and find the transaction and then copy and paste it one by one to the chat. It took me so long. And after I gave the agent all 11 or 12 receipt numbers and they filed the dispute I was immediately logged out of my account which I had JUST recovered and updated the phone number and login information to the new one, well she undid that and made it so the stolen phone number was able to login and my new one got an error message. Well I was finally able to get access today over a month later and upon checking on the dispute I find out the agent Only filed a dispute for 5 of the 12 transactions and only did the lowest amount ones and only did the credit builder card ones when I was more concerned about the high dollar DEBIT card transactions which she failed to file and then I found out that my dispute was denied and they said that they think I authorized them which how could they determine that? They weren't there they didn't see it and I feel that the agents neglect to file ALL of the transactions and the most important ones at that was the reason they denied my dispute! Yet I tried to file a rebuttal today and I explained that the agent failed to file the entire amount of transactions and locked me out of my account and they refused to file an appeal based on that I can't use previous conversations with them as supporting evidence to file the Appeal. Which is THE ONLY evidence there is and it clearly shows that I disputed a bunch of transactions and because of the receipt numbers that was very clear of what transactions were being disputed. There is no excuse for that agent to tamper with my dispute and only file the ones that she wanted to that takes away from the integrity of the dispute on their end and then to deny me after that and refuse to file the Appeal and refuse to use the LEGITIMATE EVIDENCE OF THE AGENT receiving more receipt numbers than the ones that were filed. Conviently she only used the credit builder transactions so they don't have to go by the same rules as they do for the debit card ones and so I would not get the provisional credit! Also. How could they determine that I authorized them transactions when they couldn't even file the dispute with ALL the transactions that I was disputing? Then locking me out but allowing the stolen phone to stay logged in. Then refusing to use the conversation from the initial filing that shows she left out 80 % of the transactions that kinda seems illegal

Company response to consumer: Closed with explanation