Consumer complaint received 2024-10-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
I'm in need of your help with bank dispute. My direct deposit of XXXX from IRS income tax return was deposited in the wrong bank XXXX Bank ( Current Bank ) is there giving me a hard time on returning the money to me or the the sender. I had to do my own investigation to find out where my direct deposit went, I had to locate the person that done my taxes a tried to steal my money. After locating his person I reach out to XXXX  bank told them the situation an the told me that rhey needed to investigate the matter. On XX/XX/year> I got a email from Current Bank stating they located the account my money was deposited into an had taken the steps in freezing that person account so that they could not spend anymore of my money. Current  bank informed me that they closed his account and that they needed the sender XXXX/XXXX  to request the money be returned with a " Hold Harmless Agreement ''. After speaking with XXXX they informed me they don't give out those forms anymore and that I just needed to ask the bank to return the money to them an they would send me a check when they receive the funds returned. So I called Current bank back an explained what i was told by XXXX, I then asked if there was anyway Current bank and I could could come to a mutual agreement of no one was at fault and they return the money to my account that I had with their bank or the sender. But, still I was given the run around an Current bank kept brushing my situation off XXXX they didn't care about returning my money. I have been going back and forth with Current for over a month now still no closure. So, I sent emails to the bank board of directors and thier affiliate bank XXXX Bank pleading the for help with this matter. Still no help or even a phone call from either of them. I've given them several pieces of identification an proof of ownership of deposit. Instead of helping me Current bank closed my personal account I had with them, and then blocked me from being able to email any of board members or banks CEO 's. They never pick up the phone an call to resolve this matter only email or chat, its very frustrating trying to explain an express your emotions about what this doing to me an my family. Because of this drawn out fiasco my family has become homeless, we lost our car, an have been struggling to survive. We arecdats from being on the street with nowhere to live. I explained this to Current bank an its like they don't care. Agian it's been over a month an they still are dragging there feet an not returning the funds. Everytime I call them I have to explain the entire situation over an over again. I never get to speak with a agent it's always they will contact me by email It is very frustrating and has caused me to become financially scared. My family has lost everything we had to Hurricane Milton and really need this to be resolved. I've never seen a bank this cold hearted, I have all the correspondence with Current bank I don't have the extra money to file a civil suit but if I have to I will its like there trying to keep my money without ever returning what is legally mine. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation