Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I am filing this complaint against Current for providing false assurances regarding dispute resolution timelines, denying the existence of documented phone communications, and refusing to honor commitments made by their representatives that caused me financial harm. 
DETAILED DESCRIPTION OF ISSUE : XXXX. THE FRAUDULENT TRANSACTION On XX/XX/XXXX, I was the victim of fraud at a bar. Someone took my phone while my banking app was open and sent themselves {$130.00} via XXXX XXXX or XXXX. Security caught the perpetrator, but the money had already been transferred. 
XXXX. THE PROMISE MADE BY CURRENTS AGENT On XX/XX/XXXX, I called Current while the transaction was still pending. I have this call documented in my phones call log. 
During this call, the Current representative : Assured me that once the transaction posted, it would be automatically disputed by their team Guaranteed I would be credited back the {$130.00} amount immediately upon posting Made no mention of the standard 20-90 day investigation timeline Did not inform me that provisional credit would take 10-20 business days I relied on this explicit promise when making financial decisions for my recent move, including planning for bills and rent payments. 
XXXX. DETRIMENTAL RELIANCE AND DAMAGES Based on Currents agents assurance, I : Planned bill payments around receiving the {$130.00} credit within days Made financial commitments related to my recent move ( new apartment deposit, replacement ID for work, and other moving expenses ) Did not seek alternative financial arrangements When the credit did not arrive as promised, I faced : Potential late payments on bills Risk of damage to my XXXX XXXX Risk of damage to my rental history Significant financial stress during an already expensive life transition XXXX. CURRENTS DENIAL OF THEIR OWN RECORDS When I contacted Current via chat on approximately February 6-7, 2026, to address the broken promise : I provided proof of my XX/XX/XXXX call ( phone log screenshot ) Current claims they have no call history from XX/XX/XXXX through the present Current refuses to provide the call recording Supervisor XXXX stated XXXX Ive reviewed XXXX your contacts and chats with us and was not able to find any record of a call from XX/XX/XXXX until now This is demonstrably false- I have phone log evidence of a call to Current on XX/XX/XXXX. 
XXXX. CURRENTS RESPONSE Through multiple chat interactions with agents XXXX, XXXX, and supervisor XXXX, Current has : Acknowledged that an agent gave me misinformation : I would like to take this chance to correct the information that was shared to you, And we sincerely apologized for that misinformation Refused to honor the promise made by their representative Denied the existence of the call where the promise was made Refused to provide call recordings Offered only the standard provisional credit timeline of XX/XX/XXXX ( XXXX days after the promise was made ) Spent XXXX hours deflecting my requests to speak with management REGULATORY CONCERNS : XXXX. Violation of Regulation E - Electronic Fund Transfer Act While Current cites Regulation E as justification for their timeline, Reg E requires financial institutions to investigate disputes promptly and provide provisional credit within 10 business days ( or 20 for new accounts ). Currents own representative made commitments that deviate from these timelines, creating confusion and reliance. 
XXXX. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Deceptive : Currents agent made false representations about when I would receive credit Unfair : Denying the existence of documented communications to avoid accountability Abusive : Taking advantage of my vulnerable position ( fraud victim, recent move, financial stress ) by making promises they had no intention of keeping XXXX. Record-Keeping Failures Currents inability ( or unwillingness ) to locate a call that I can prove occurred raises serious questions about their record-keeping practices and accountability systems. 
XXXX. Failure to Supervise Representatives Current agents are making binding promises to consumers without proper training or authority, then the institution refuses to honor those commitments.

Company response to consumer: Closed with explanation