Consumer complaint received 2026-04-23 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: NY

Complaint narrative:
Company : XXXX XXXX XXXX Product : Checking or savings account Issue : Account closure / dispute investigation failure / funds not received Complaint title : Account closed, refund check not received, and unauthorized transaction disputes not properly investigated Complaint details : I am filing a formal complaint regarding XXXX XXXX XXXX handling of my closed account, failure to return my remaining funds, and failure to properly investigate multiple unauthorized transaction disputes. My account was closed on XX/XX/year>. At the time of closure, I was advised that any remaining balance and credits owed to me would be returned. However, I have still not received my refund check, any reliable tracking information, or clear confirmation of when my funds will be released. In addition, I reported multiple unauthorized electronic transactions on the account and provided substantial supporting documentation showing a clear pattern of account takeover and unauthorized activity. This included prior favorable determinations and supporting evidence from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX, where similar disputes involving related unauthorized transactions were investigated and resolved in my favor. Despite this evidence, XXXX XXXX XXXX failed to properly investigate the disputes and did not reasonably consider the documentation submitted. The disputes were denied, delayed, or handled without adequately addressing the evidence of fraud and prior institutional findings. I maintained possession of my physical card, did not authorize these transactions, and promptly reported the activity. The evidence clearly supports that these were unauthorized electronic fund transfers resulting from account takeover and fraudulent access. I am concerned that XXXX XXXX XXXX failed to comply with its obligations under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, including the duty to conduct a good-faith investigation, provide provisional credit where required, and ensure prompt access to funds even after account closure. This has caused significant financial hardship, delayed access to essential funds, and unnecessary emotional distress. I am requesting the following : XXXX. Immediate confirmation of the account closure date of XX/XX/year> XXXX. A full accounting of all funds owed, including remaining balance, dispute credits, and provisional or permanent credits due XXXX. Immediate release of my refund check or alternative payment by ACH or wire if mailing delays continue XXXX. Tracking information if a refund check has already been issued XXXX. Reopening and full reinvestigation of all disputed unauthorized transactions XXXX Review of all supporting documentation previously submitted XXXX. Consideration of prior final determinations from XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. Reversal of all related fees, overdraft charges, and negative account consequences caused by the disputed transactions XXXX. A written explanation detailing how the denial decisions were originally reached Desired resolution : I want XXXX XXXX XXXX to immediately return all funds owed to me, including my refund check and dispute-related credits, properly reinvestigate all unauthorized transactions under Regulation E, reverse all related fees, and provide written confirmation of the final resolution.

Company response to consumer: Closed with monetary relief