Current: cancellation problem

Close the account by chat or by calling Current.

ACredibility A · last verified 2026-10-13 · 100% official or government sources

What does this mean?

Grade A (high: almost everything comes from official pages read directly). 100% of 11 sources are the organization's own pages or government sites.

All Current contacts Open in the interactive directory JSON

Collect

cancellation confirmation number or email
date you cancelled
charges after that date

Steps

Chat in the app or call to close the account. Current will not close it while transactions are pending, the balance is negative or the account is under legal process.
PhoneCurrent Member Services; lost or stolen card, unauthorized transfers, errors +1-888-851-1172 Account holder only

More contacts for this issue

AppChat in the Current Mobile App Current Mobile App > chat Sign-in required

Facts you can cite

Process
You may request to close your Account at any time by chatting in the Mobile App or calling 888-851-1172; Current is not required to close it if transactions are pending, the account is overdrawn or it is subject to legal process.
Source: cdn.current.com, verified 2026-10-13

Rules in force

Restore Online Shoppers' Confidence Act (ROSCA) negative option requirements
15 U.S.C. 8401-8405
A seller that charges consumers online through a negative option feature (for example an automatic renewal or a free trial that converts to paid) must clearly disclose all material terms before taking billing information, get the consumer's express informed consent before charging, and provide simple mechanisms to stop recurring charges. The FTC enforces ROSCA.
Source: law.cornell.edu, verified 2026-10-12
3 citable points
- Policy
  Before obtaining the consumer's billing information, the seller must provide text that "clearly and conspicuously discloses all material terms of the transaction".
  Source: law.cornell.edu, verified 2026-10-12
- Policy
  The seller must provide "simple mechanisms for a consumer to stop recurring charges" on the consumer's credit card, debit card, bank account or other financial account.
  Source: law.cornell.edu, verified 2026-10-12
- Process
  A ROSCA violation is treated as a violation of an FTC rule on unfair or deceptive acts or practices, and the FTC enforces ROSCA with its FTC Act powers and penalties. Report violations to the FTC.
  Source: law.cornell.edu, verified 2026-10-12

Rules not in force (do not cite)

FTC "Click-to-Cancel" amendments to the Negative Option Rule (2024) Vacated
16 CFR part 425 (2024 amendments, published November 15, 2024)
Vacated in full by the Eighth Circuit on July 8, 2025 (Custom Communications, Inc. v. FTC, 142 F.4th 1060). The FTC removed the 2024 text effective February 12, 2026 and restored the pre-2024 prenotification rule. A new rulemaking is only at the ANPRM stage (March 13, 2026), with no proposed text as of 2026-10-12. What remains in force: ROSCA (rules/rosca-negative-option), Section 5 of the FTC Act, and state automatic renewal laws (for example rules/ca-automatic-renewal-law, rules/ny-automatic-renewal-law).
Not in force. Do not cite it as current law.

If that fails, escalate

Go up one step at a time. Keep the reference numbers and dates from each contact.

Customer service
AppChat in the Current Mobile App Current Mobile App > chat Sign-in required
Customer service
PhoneCurrent Member Services; lost or stolen card, unauthorized transfers, errors +1-888-851-1172 Account holder only
Written complaint
EmailCurrent support (errors, written disputes, arbitration opt-out) support@current.com
Federal regulator
RegulatorConsumer Financial Protection Bureau +1-855-411-2372
Federal regulator
RegulatorFederal Deposit Insurance Corporation, Consumer Response Unit +1-877-275-3342
The FDIC supervises Current's partner banks (Choice Financial Group, Cross River Bank), not Current itself.
State agency
Your state’s financial regulator. Find it in the list of state agencies (also as JSON: states/<code>.json, for example states/ny.json).
Arbitration
The deposit agreement has an arbitration agreement; opt out by emailing a signed notice to support@current.com within 30 days of opening the account.

Watch out

Phone support is only Monday to Friday, 9 a.m. to 6 p.m. ET; outside those hours use app chat.
Current's help center (support.current.com) blocks automated access.
Current publishes no security page with phishing guidance on the pages checked.

Let your AI agent handle this

Escalate Anything is a free, open-source MCP server for Claude, Cursor, VS Code, Gemini CLI, Codex and other AI apps. Your agent gets this playbook, keeps a case log with reference numbers and follow-up dates, and drafts each message for you to approve.

1. Set it up (needs uv):

uvx escalate-anything setup

2. Ask your agent:

I cancelled Current on [date] and they still charge me. Use Escalate Anything to stop it and get refunded.

Source code, other install options and the Claude Code plugin