Contrary to popular belief, "funcy" should not be confused with
fancy. Funcy is an adjective used to describe something tacky, foolish, or trashy. This term is a discreet insult and is best used when someone or something is trying to look or be
fancy; however, the turn out ends up foolish and awful.
People think you're complimenting them by saying "fancy" in a clever way, i.e., "funcy" but you're actually ridiculing them.