Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: FinCo Services Inc DBA Current
State: HI

Complaint narrative:
XX/XX/XXXX Current ( the online financial banking ) emailed stating they are exercising their right to close my account due to an internal review. And provided their agreement, and every XXXX of the month I get my benefits deposited about {$1400.00} but since my account was supposedly closed the deposit should have been returned which was not. Current used my deposit to cover the negative - {$370.00} standing on the account but I still have a remaining balance of {$1100.00}. That I never received. 

On XX/XX/year>, at XXXX, Current XXXX wrote : Current Update on your Current account Following an internal review of your account activity, we are exercising our right to permanently close your Current account, and if applicable, your linked Current teen account ( s ), pursuant to the Current Account Agreement ( s ) We are also terminating your access to any Current services, and this decision can not be appealed. We will finalize the closure of your account no later than ten ( 10 ) calendar days from the date of this email. 

If you have used Current to schedule recurring transfers from an external account or have set up direct deposit with an employer, the Labor Department or the US Treasury, the transfers will be stopped and the funds will be sent back to the originating source automatically. We suggest you reach out to the originators for further information regarding recent deposits and to stop future payments from being sent to Current or to redirect them to a different account.

If you have scheduled any payments to be deducted from your Current account, we recommend that you stop these payments and/or notify the merchant or biller accordingly. 

Please note that if you have a pending transaction dispute, it will continue to process until a decision has been made. Should you be awarded a credit as a result of your dispute, the funds will be sent to you via a refund check to the registered address of your account. 

While regrettable, please note that our decision to terminate your services is final, and it will not be possible to create a new account. We wish you success moving forward with a banking solution thats right for you. 
The Current Team Best, The Current Fraud Team Our emails : Can you reactivate account so I can retrieve the remaining balance Sent from my XXXX On XX/XX/year>, at XXXX, The Current Fraud Team ( Current ) XXXX wrote : XXXX XXXX XXXX  Please type your reply above this line XXXX XXXX XXXX  The Current Fraud Team ( Current ) XX/XX/year>, XXXX XXXX Hi XXXX, The balance of the account was negative, so when the deposit arrived to the closed account, it was used to fund the negative balance. As you were not the intended recipient of the deposit in question, it can be returned to the Treasury after a non-receipt claim is received. 

Best, The Current Fraud Team XXXX XXXX XX/XX/year>, XXXXXXXX  XXXX The direct deposit came after you closed my account on the XXXX so why didnt it get returned to social security? They have the deposit still in the account you guys closed that is not what your agreement says Sent from my XXXX On XX/XX/year>, at XXXX, The Current Fraud Team ( Current ) XXXX wrote : Attachment ( s ) XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX I have social security on the phone and they said they deposited my benefits on the third and you guys did not return it back even though the account closed on XX/XX/XXXX. You guys need to return my benefit I will sue and file a complaint on better business bureau This is your agreement which you did none 1. My deposit from SS treasury did not get returned so I will file a claim. 2. You did not close my account and give me a final outcome within 10 days. 3. You did not close my account as you claim 4. The remaining balance has not been credited nor has it even been discussed or rewarded to me. 

THEY MAKE IT DIFFICULT TO OBTAIN YOUR OWN MONEY AND THE ONLY MEANS OF COMMUNICATION IF YOU HAVE A CLOSED ACCOUNT IS BY EMAIL. CHAT AND PHONE CALLS ARE NOT ACCESSIBLE UNLESS YOU HAVE A ACTIVE OPEN ACCOUNT WITH THEM

Company response to consumer: Closed with explanation