Current operates under federal regulations, and when a dispute is filed, you may receive a provisional credit that can be used during the course of the investigation if the charges fall under certain conditions called Regulation E. This includes:
- Unauthorized Transactions
- Duplicate Transactions
- Canceled Recurring Transactions
- If you were billed the wrong amount
- If you used an ATM and the funds weren’t dispensed
- If you paid for a purchase by other means
In the event that your claim doesn’t fall under these conditions, a provisional credit will not be applied to your account after 10 business days, if it hasn’t yet been resolved. We understand how frustrating this can be, and rest assured that we'll investigate your claim as quickly as possible!
If an error is determined and the dispute is ruled in your favor, your account will be credited and you'll be notified via mail when the investigation is complete. If no error is found in your claim, you will also be notified via email upon completion of the investigation.
Current takes fraud seriously and our Disputes Team uses industry standards and research to investigate claims. Communication may be limited during the course of the investigation, but you can check the Open Disputes section of the Current app for any updates.