Consumer complaint received 2025-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FinCo Services Inc DBA Current
State: MO

Complaint narrative:
Dear Sir or Madam : I was directed by the federal trade commission to write this letter. I am writing to dispute a fraudulent charge on my account in the amount of {$540.00}. This unauthorized charge has made me a victim of identity theft. I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).

I have enclosed information about the charge. Also, I enclosed the information supporting my position, which is to be refunded for the unauthorized transaction of {$540.00}. I disputed this transaction already, promptly the same day I realized it was there. I immediately notified agents through the Mobile App. Days later, I received a response that was completely unmoral and wrong. The response said it was authorized for some reason. I completely do not agree with that decision. And neither did the other agent, who granted my dispute on a second unauthorized charge from the same unknown merchant. Please investigate this matter and correct the billing error as soon as possible. 

The unauthorized charge was from a merchant called XXXX XXXX XXXX There is no merchant with that name. The IRS has no information on a merchant named XXXX The receipt number is as follows : XXXX. 
The amount was {$540.00}. 
The date of the charge was XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
It was charged to my virtual credit card ending in # XXXX. 

I found a total of three unauthorized transactions on my account from the same merchant, XXXX XXXX XXXX XXXX charge was refunded by the merchant, and the other two I disputed the same day I noticed them.. I disputed the charge from XXXX XXXX  XX/XX/XXXX for {$540.00} on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I did not discover the unauthorized transaction until XX/XX/year>, but once I did I immediately notified agents through the chat feature of the unauthorized use the same day. The outcome of the dispute on the charge made on XXXX XXXX, XXXX was deemed to be authorized. This is not moral or correct. I demand you look further into this case because it was NOT authorized. 
I NEVER authorized this charge. I dont know who the merchant is because there is no merchant with that name. I looked it up. I never made a purchase of {$520.00} with ANY merchant. I demand that my money totalling {$540.00} gets put back into my account for this unauthorized transaction from XXXX XXXXXX/XX/XXXX for {$520.00}. I am not asking for anything more than what is rightfully owed to me, money that was stolen from me. 

This is the information on a second charge from the same so-called merchant XXXX XXXX XXXXXX/XX/XXXX which I disputed as well. The outcome of this dispute was in my favor, rightfully so. 
The dispute was from the same merchant XXXX XXXXXX/XX/XXXX My Dispute was deemed in my favor on XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX with the receipt number : XXXX. 
The original charge was for {$16.00} with receipt number : XXXXXXXX XXXX The original charge was on XXXXXXXX XXXX XXXX XXXX XXXX XXXX was also charged to my virtual credit card ending in # XXXX. 
I completely agree with the outcome of this dispute because it was an unauthorized transaction made by the same fake merchant.

Company response to consumer: Closed with explanation