Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: IN

Complaint narrative:
On Saturday XX/XX/year> I tried using my debit card to get gas and transaction kept getting denied. I tried reaching out to my bank ( Current ) but they were closed and have no after hour line so I had to wait until Monday XX/XX/year> to speak with the bank. At this time I logged into my online account and saw in red at the top ( YOUR ACCOUNT IS UNDER REVIEW! For security reasons, some features may be temporarily disabled ) At this point I went to my email address on file for this account, I did not see a email from the bank at first, I then put the bank name in the search bar for my email and saw it went to my spam folder, I marked the email not spam and read it stated the following : After a review of your account, we noticed activity which requires us to verify your identity. As a result, your account has been temporarily restricted until we can obtain all of the information below. 
1- A selfie holding your non expired state id or US passport 2- Proof of address : Utility bill, phone bill, cable bill, or something similar aged 60 days or less that shows the same address as what is listed on your current account. 
Please submit the following documentation by replying to this email. If you do not provide the above information within 14 days your account will be suspended. We aim to provide a final resolution after receiving your response within 14 days. 
These are the ONLY transactions that has been made on this account : XXXX XX/XX/year> - credit to account + {$39.00} at XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> - debit from account - {$18.00} at XXXX ( XXXX & XXXX XXXX ) XXXX XX/XX/year> - debit from account - {$19.00} at XXXX ( XXXX XXXX ) XXXX XX/XX/year> - credit to account + {$780.00} at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> - debit from account - {$97.00} at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> - debit from account - {$450.00} ( XXXX XXXX XXXX ) I immediately provided the selfie holding my non expired drivers license as well as a current bill from XXXX XXXX XXXX with same address as on file with my current account, this was submitted on XXXX  XX/XX/year> I then reached out on XXXX  XX/XX/year> trying to speak with someone in the fraud department only to be told that I could not speak with anyone directly I could only correspond via email. When I sent the email XXXX  I received a automatic email stating thank you for submitting your documents, someone will contact you within 24 hours, Current has never been contacted back by email, phone or text. 
I have reached out to Current via phone trying to speak with someone to get this issue resolved with no luck on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I also sent XXXX different emails to the email address provided in the email received stating my account was disabled the first email I sent was the information they requested, to prove my identity on Saturday XX/XX/year> the next email I sent was on Tuesday XX/XX/year> was once again proving my identity, and I went a step further by proving each debit and credit to the account was mine, I attached the receipts for each transaction that was debited from the account I also provided my current paystub for the credit to the account. The XXXX email I sent was Friday XX/XX/year> trying to get a update or any information I could concerning when they will activate my account, Current has made effort to contact me to explain their reason ( s ) for flagging my account or why they suspected the activity was unusual/suspicious other than the email they sent on XXXX XX/XX/year> stating my account has been temporarily disable due to unusual/suspicious activity, Even all the time times I reached out to them by phone, no one could give me any information they would all tell me to contact fraud by email and they would respond which I have not received any response from the fraud department to date.

Company response to consumer: Closed with explanation