Consumer complaint received 2026-05-18 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: NY

Complaint narrative:
I am submitting this complaint regarding Currents handling of unauthorized debit-card transactions and my later request for the documents or written explanation used to decide the dispute. In XX/XX/year>, I reported unauthorized XXXX transactions to Current. The bank statement shows two XXXX charges on XX/XX/year>, one for {$20.00} and one for {$12.00}. Current later issued Dispute XXXX - XXXX XXXX credits for those same amounts on XX/XX/year>. The statement then shows many repeated XXXX charges of {$20.00} each on XX/XX/year>, totaling {$540.00}, which I disputed as unauthorized. Current denied the {$540.00} dispute and later denied my appeal. I also provided a police report from the XXXX XXXX Police Department. The police report describes multiple unauthorized charges from XXXX and lists the complaint as identity theft/fraud. The bank statement and police report also show another transaction I do not recognize : a {$10.00} charge listed as XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX on XX/XX/year>. I did not include that charge in my initial dispute to Current because I did not notice it at the time. I am mentioning it here because it appears in the same statement period and was included in the police report, but my main complaint is about Currents handling of the XXXX dispute and Currents failure to provide the documents or written explanation it said I could request. Currents XXXX dispute update stated that I could request a copy of the documents or written explanation used in determining the final outcome of the investigation. I later requested those documents and/or written explanation. Specifically, I requested the merchants response, merchant-provided evidence, authorization records for each transaction, transaction records, device/IP/account-access records, and any explanation showing how Current concluded the transactions were authorized. Current repeatedly responded that the requested documentation had already been shared and told me to review the attachments in the support thread. However, the only documents visible to me were denial/finding notices and the XXXX dispute update notice that I attached myself. Those notices state the outcome, but they do not include the merchants response, merchant evidence, authorization records, device/IP/account-access records, or a detailed written explanation showing why the transactions were considered authorized. I also asked Current to confirm whether the denial/finding notices were the complete documents or written explanation used to determine the final outcome. Current did not clearly answer that question and marked the support request as solved. My complaint is that Current has not provided the documents or written explanation its own dispute notice said I could request, and it has not clearly identified what evidence it relied on to conclude that the repeated XXXX transactions were authorized.

Company response to consumer: Closed with explanation