Consumer complaint received 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FinCo Services Inc DBA Current
State: WA

Complaint narrative:
My concern though triggered by XXXX XXXX  double charging me is most especially with the fact that financial laws regarding XXXX  and provisional credits during disputes are not being followed by my financial institution, current, some subsidiary of XXXX XXXX XXXX In my reading the law specifies that the financial institution has 5 days maximum duration to issue provisional credit for my disputed transaction. Current insists that because its a XXXX credit and not a XXXX debit transaction that theyre unable to issue any provisional credit, contrary to law. The customer service rep talked in circles for about 30 minutes about this and when I asked him to read or explain the financial regulations pertaining to XXXX transactions and provisional credits during valid filed disputes, he would not. He went on to say that the XXXX credit card I hold thru current/XXXX XXXX is not eligible for provisional credit at any point. 

On XX/XX/year> I booked and prepayed for a 1 day hotel stay. 
On XX/XX/XXXX at check in with XXXX XXXX XXXX  they said they needed my credit card for incidentals and proceeded to double charge me for the stay in the room. 
On XX/XX/XXXX at check out I questioned the pending transaction, clarified with staff who said that it would not be a finalized transaction, and that it would fall off. 
On XX/XX/XXXX the pending double charge transacted, I immediately called XXXX XXXX the admitted to error in double charging me and error in preventing the double charge when I bought it up. And said they had issued a refund. 
On XX/XX/XXXX, still not having my refund I filed the dispute and the evidence, reciepts, confirmation codes, itinerary, call transcripts etc, and requested a provisional credit at the soonest possible convenience. After the chat window agent told me no provisional credit, I called both current and XXXX XXXXXXXX XXXX after that. 
While on the phone with current I read the regs and cited the administrative law paragraphs applicable and current phone agent after trying to convince me that only debit cards are eligible for provisional credit, not debit, these regulations pertain to all XXXX, the agent eventually says I dont know about that law but current policy is no provisional credit during dispute. 
While not absolutely desperate for my own money, Im not willing to take the hit to my own liquidity when its unnecessary and the actions of currentXXXX XXXXr, and XXXX XXXX are both highly irregular and improper. 

For these reasons I insist on bringing formal official complaint about currentXXXX XXXX illegal policies toward their members. The law is explicit they have a maximum of 5 days for this type of transaction dispute to issue the provisional credit, and it raises high levels of concern with me about their ethic practices. 


I have receipts, formal acknowledgment of error by the company, they they were issuing a refund but havent, screenshots transcripts, its my money and I expect to be protected by every financial regulation required under law. Every other dispute in my life the financial institution provided immediate provisional credit automatically or upon request. Current believes its exempt from law because their internal policies are higher standing.

Company response to consumer: Closed with explanation