Consumer complaint received 2025-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: FinCo Services Inc DBA Current
State: MO

Complaint narrative:
On XX/XX/year>, I noticed that my Paycheck Advance available amount with Current had been suddenly reduced from {$650.00} to {$100.00}. This change occurred without any prior notice, in-app alert, email, or other communication from Current, despite their terms and conditions ( effective XX/XX/year>, available at XXXX : XXXX ) explicitly stating in Section 7 ( a ) : Any changes to your Available Amount by us will be communicated to you within the App. I had been using the Paycheck Advance service for several months prior, qualifying based on consistent Eligible Payroll Deposits of over {$200.00} bi-weekly from my employer, with no interruptions or changes to the deposit amounts or frequency. 
Leading up to this, I had taken advances in amounts up to {$650.00}, and all repayments were handled automatically by Current upon receipt of my direct deposits, within the required 34-day window as per their terms. For example, on my most recent direct deposit prior to the reduction ( around XX/XX/year> ), an outstanding advance of approximately {$200.00} was auto-deducted successfully, with no issues, fees, or notifications of any problems. I occasionally used a third-party service like XXXX to access a portion of my earned wages early, but this did not alter the total direct deposit amount into my Current account, which remained consistent and eligible under their criteria ( as defined in Section 3, excluding non-direct deposit transfers but requiring overall recurring employer deposits ). 
Upon discovering the reduction on XX/XX/year>, I immediately contacted Currents support via their in-app chat three times that same day. In the first interaction, I explained the abrupt drop and requested an explanation, noting no changes on my end. The agent provided a generic response about daily reviews based on factors like payroll history and risk assessments but refused to provide any specific reason for my account, stating the system is automated and they can not override or view details. I reiterated that this violated their terms promise of communication and asked for restoration to {$650.00}, but the chat was closed without resolution. 
In the second and third chats on XX/XX/year>, I quoted the terms directly, provided evidence of my unchanged direct deposits ( e.g., a {$1100.00} deposit received that day, which should have reaffirmed eligibility ), and demanded a detailed explanation, limit restoration, and potential compensation for the harm caused. Agents again used scripted replies, acknowledging frustration but insisting on the automated nature of reviews without disclosing what specific factor triggered the {$550.00} cut. They did not address the missing in-app notification, despite my repeated references to Section 7 ( a ). No escalation to leadership was offered, and chats were ended prematurely. 
This unexplained reduction has caused significant harm : It limited my access to advances I relied on for cash flow, forcing me to seek alternatives and spiking my credit utilization ( as this is reported as a line of credit ), potentially dropping my credit score by XXXX points. Currents advertising and app imply stability with consistent deposits ( e.g., You could qualify for up to the XXXX amount when you receive Eligible Payroll Deposits of {$200.00} or more ), but this action feels like a bait-and-switch, contradicting their promises and leaving me without recourse or transparency. I attempted internal resolution multiple times before filing this complaint, as required by their pre-arbitration process in Section 11 ( h ), but received no satisfactory response.

Company response to consumer: Closed with explanation