Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: CO

Complaint narrative:
On XX/XX/year> I noticed my Current Financial checking account balance had gone from $ XXXX to approximately {$0.00}. I knew I had not authorized ANY transactions or withdrawals and therefore this was an absolute and clear case of theft! I immediately logged into my account and observed several transactions I had indeed never authorized, approved nor was even aware of! 

The XXXX transactions I'm referencing were for {$500.00}, {$500.00} and {$200.00}, which effectively wiped out my account! I noticed a debit card, which WAS NOT IN MY NAME, WAS NOT LINKED TO ANY ACCOUNT OF MINE AND WAS WHOLELY UNKNOWN TO ME AT THAT TIME was used in order to siphon ALL OF MY FUNDS from my account! 

I immediately contacted Current Financial support via chat and attempted to report this crime, which had literally occurred only minutes before! I not only reported the crime and filed a dispute but also attempted to find out WHO'S CARD HAD BEEN USED! 

However when the customer support agent was finally able to inform me of how I could find out the information related to the linked card responsible for this theft, I saw it was already too late because the card had been removed from my account leaving no information at my disposal! 

I made it ABSOLUTELY AND ABUNDANTLY CLEAR THESE FUNDS WERE WITHOUT QUESTION STOLEN FROM ME! Not only was I in contact with support within minutes of the theft occurring, WHILE the unauthorized debit card, which WAS NOT IN MY NAME NOR LINKED TO ANY ACCOUNT OF MINE AND HAD NEVER BEEN USED OR LINKED TO MY ACCOUNT PRIOR TO OR AFTER THIS THEFT, was STILL linked to my account! As a matter of fact the unauthorized linked debit card was actually removed by the thieves from my account while I was still " chatting '' with support! 

Again I made this clear to the support agent I was " chatting '' with and advised them of how easy it would be to catch the thieves " red handed '' as the debit card used was definitely not in my name, the method used to access my account and link the debit card WOULD NOT BELONG TO ME NOR BE USING MY IP ADDRESS AT THE TIME OF THE THEFT NOR AT THE TIME I WAS " CHATTING '' WITH SUPPORT WHEN THE DEBIT CARD WAS REMOVED! 

Shortly after filing the dispute with Current Financial I was appalled by their determination that " No error had occurred '' and I was simply expected to accept the fact that someone was able to STEAL {$1200.00} FROM MY ACCOUNT AND THE VERY COMPANY I WAS PAYING TO HANDLE MY BANKING NEEDS AS WELL AS KEEPING MY HARD EARNED FUNDS SAFE AND SECURE WERE ONCE AGAIN RESPONSIBLE FOR DOING EVERYTHING THEY COULD TO KEEP ME FROM RECOVERING MY STOLEN FUNDS! 

I SAY ONCE AGAIN BECAUSE IN XXXXXXXX XXXX XXXX I WAS THE VICTIM OF A THEFT INVOLVING MY WALLET, INCLUDING DEBIT CARDS, AND MY CELLULAR PHONE! SINCE MY PHONE & DEBIT CARDS HAD BEEN STOLEN I WAS UNABLE TO LOG INTO OR USE MY CURRENT FINANCIAL CHECKING ACCOUNT FOR APPROXIMATELY A WEEK AND DIDN'T EVEN REALIZE MY CARDS AND ACCOUNTS HAD BEEN USED WITHOUT MY AUTHORIZATION RESULTING IN THE THEFT OF APPROXIMATELY $ XXXX {$800.00}! 

I filed disputes shortly after making the discovery of the unauthorized uses of my accounts and debit cards, yet was extremely upset and disappointed to discover my disputes were fairly quickly denied. I was truly dumbfounded knowing the theft and unauthorized uses were without question legitimate and ABSOLUTELY happened just as I had advised! 

Then to my disappointment it became very clear Current Financial, my banking services provider had NO INTEREST WHATSOEVER in having my back and assisting me with recovering my stolen funds! It's my opinion based upon all the evidence I've obtained and have been provided that the majority of disputes, especially involving high dollar amounts, are denied automatically and " out of hand '' regardless of any evidence the customer may provide! 

The customer is then informed they are unable to appeal the dispute determination unless they're able to obtain " New Evidence '', which is then only accepted if it's part of a list, which conveniently Current Financial provides including but not limited to : receipts, merchant correspondence, police reports, etc. 

This makes it extremely difficult if not impossible to provide since the appeal may be due to Current not conducting a thorough and accurate initial investigation! For both sets of disputes, XX/XX/year> totaling {$670.00} AND XX/XX/year> $ XXXX I obtained Currents Dispute Investigation Findings. 

BOTH Dispute Investigation Findings contained only basic information, none of which was specific to my particular disputes and in fact the points of evidence detailed in my dispute submissions were NEVER ADDRESSED MAKING IT ABSOLUTELY PLAIN NONE OF MY EVIDENCE WAS EVER CONSIDERED WHEN MAKING THE DECISION TO DENY! 

Not only was my evidence and information completely ignored, I was deemed to have lied and was accused of committing the charges, frauds and thefts, again without any real evidence and only the most basic and generalized information, none of which would have been considered indicative of guilt alone! 

To date I have been the victim of XXXX separate incidents of theft totaling over {$1800.00} and have been able to recover NONE OF IT! Instead of being an advocate and assisting me with recovering from what was and still is a devastating financial crisis Current Financial has ABSOLUTELY gone out of their way to protect their own bottom line at the expense of myself and others!

Company response to consumer: Closed with explanation