Consumer complaint received 2023-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: IN

Complaint narrative:
I have had Current Bank for years now. They are great ... .until you have a problem. A problem that would be easily handle at a regular bank turns into a nightmare at current. 


Through out my time with Current I had my checking account hacked twice. I immediately dispute the fraudulent transactions and politley answered all the agents questions. Then I filed an IC3 complaint and police report. 

The first dispute was so obvious that someone had found my wallet and wiped me out to the tune of XXXX dollars!!! 
They gave me no provisional credit to survive on while they look into the dispute. I had gone 3 days without eating before a co-worker notice and took me to the store to buy me some food. How embarassing!!! Did Current bank give a XXXX? Nope. A few days after that I got an email saying that there was no fraud and basically I just went nuts and decided to send XXXX to people in other states. Then it was a cash advance at casinos. Then some online casino. Then gift cards. I told them this is absolutely unacceptable and to please review my dispute further. I was no where near those merchants at the time and I am constantly sharing my location with Current via thier online bank app. So they decided to credit me back XXXX XXXX that was used on a offshore online casino. The rest? The XXXX remaining that I needed to pay my rent, insulin for my son, and all of our Monthly balls. This happend the first week of the month right before I pay everything. 

I begged them not to do this to me. They have insurance for this stuff. I have never made a claim with them before. I work very hard and get a modest direcy deposit every 2 weeks deposited into that acct. In fact the whole reason I went to Current Bank is because I could get my money 2 days faster. 

Well it's been a year now and I am still trying to catch up from that. I was unable to go say good bye to my doing father because I couldn't afford a place ticket. He passed away before I could find a panday loan. 

Now dispute number 2! A year later I start getting Current push notification on my cell. That's not good because I'm in bed. Not out using my debit card. Well it was XXXX XXXX XXXX XXXX XXXX transaction real quick back to back at a website called XXXX I immediately called notification I to Current as well as XXXX what XXXX was and was as to call them. They said my Information was used along with my checking account info for horse race deposits. Not a single bet was placed. They drained my account again and simply used XXXX as a middleman to get money from my account to the thiefs acct.account. I never justet money sit in my checking account after the first time. I knew better. But I had just got paid that day and forgot to go to the ATM on my way home. They took all XXXX XXXX that I worked my XXXX off for. Current once again called me a liar and did nothing for me. Even though I had the camera footage of someone using my card atthe XXXX  in a casino and then XXXX  Even wrote a statement for me saying what they think happend and Current still said.. Nah. We're not gon na help you. 

Well I somehow must be a glutten for punishment because I am still banting with them. I just put enough in there to cover auto pay bills now. 

I know I'm not the only one they have done this to infact the internet is full of these horror stories involving Current Bank. 

I want my money Current. You messed with the wrong one.

Company response to consumer: Closed with explanation