Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
On XX/XX/year> while vacationing in XXXX country with a challenging XXXX [ insert date ], while vacationing in XXXX country with a challenging language barrier and limited resourcesmy XXXX driver stole my phone, leaving me completely broke, unable to contact anyone, use financial apps, or seek immediate assistance. Stranded for a week, I struggled to navigate the unfamiliar environment before managing to contact my family. They sent money via XXXX and purchased a ticket for my return to the United States. The Romanian authorities provided no help or accommodation, seemingly due to my status as an XXXX. Upon returning, I filed an identity theft report with the federal government and a police report with my local department, as the Romanian authorities refused to investigate. I also submitted disputes to the affected financial institutions regarding the unauthorized transactions. These disputes were denied within a mere couple of days per transaction, an unreasonably short timeframe given the need for thorough investigation in a foreign country and the significant number of disputed transactions. I appealed the decisions, resubmitting both theft reports, but the appeals were again denied in a similarly expedited manner, lacking any semblance of due diligence. I was never provided with documentation explaining the basis for these decisions. The total financial loss from this incident amounts to {$24000.00}, a devastating blow that has left me without recourse. I urge the CFPB to investigate this matter and hold the responsible financial institutions accountable for their inadequate response to this clear case of fraud and identity theft. language barrier and limited resourcesmy XXXX driver stole my phone, leaving me completely broke, unable to contact anyone, use financial apps, or seek immediate assistance. Stranded for a week, I struggled to navigate the unfamiliar environment before managing to contact my family. They sent money via XXXX and purchased a ticket for my return to the United States. The XXXX authorities provided no help or accommodation, seemingly due to my status as an XXXX. Upon returning, I filed an identity theft report with the federal government and a police report with my local department, as the Romanian authorities refused to investigate. I also submitted disputes to the affected financial institutions regarding the unauthorized transactions. These disputes were denied within a mere couple of days per transaction, an unreasonably short timeframe given the need for thorough investigation in a foreign country and the significant number of disputed transactions. I appealed the decisions, resubmitting both theft reports, but the appeals were again denied in a similarly expedited manner, lacking any semblance of due diligence. I was never provided with documentation explaining the basis for these decisions. The total financial loss from this incident amounts to {$24000.00}, a devastating blow that has left me without recourse. I urge the CFPB to investigate this matter and hold the responsible financial institutions accountable for their inadequate response to this clear case of fraud and identity theft.

Company response to consumer: Closed with explanation