| 03/03/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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My name is XXXX XXXX XXXX XXXX, a Customer of wise with email address XXXX My case is in regards to Wise Sending my funds to wrong account when I've already informed them where to send all my funds to and they have refused to honour their agreement which they said they would do in case that such thing happen.
In my Case with Wise, there is no Resolution and wise has refused to honour their agreement.
I've been asked by XXXX Ombudsman Service and XXXX Ombudsman to contact Wise one more time for Wise to send my money to me by correcting the mistake Wise made, but Wise has refused sending my money.
CHRONICLES OF EVENTS I signed up for Wise account and got verified with my documents confirmed on XXXX XX/XX/XXXX.
On that same XX/XX/XXXX, Someone messaged me on XXXX and said her name was XXXX from Wise and said she noticed that I just got approved in wise, she asked me for my wise email address and password to enable her make my account not to ever be deactivated which I gave.
I discovered that the wise staff added an external bank ending in XXXX to my Wise account as she had access to my account.
I reported this fraud hacking to Action Fraud XXXX with crime Reference number XXXX which I have also attached the document.
I also reported this issue to XXXX XXXX government organization with reference Number : XXXX which I have also attached the document.
On XXXX XX/XX/XXXX, I notified wise by responding to Wise email informing them never to send any funds to the external account added to my account that my wise account and the external account are hacked and compromised account and the external account not owned by me.
Well, Wise stated that the transaction # XXXX was automatically created for me by themselves and there was no notice that wise would create automatic transfer on my behalf and wise should have known that my account was hacked and an external account not owned by me was added by the hacker.
When wise deactivated my account, wise claimed that they cancelled the automatic transfer they created for me without my consent and they said this took place on XXXX XX/XX/XXXX.
Please note that I didn't receive any email that wise has created a transfer for me, nor email that wise has cancelled my the transfer they created.
As long as a transaction is cancelled, Wise doesn't have the right to complete a cancelled transaction when account has been deactivated because funds are always moved to balance which wise has already stated that they moved all funds to my balance when they deactivated my account.
I didn't set up external account in wise and like I said the person who hacked my Wise account added set up and added the external account. As I indicated that someone pretended to be a Wise Agent and got my ID card and also gained access to my Wise account and hack it on XX/XX/XXXX and added an external bank ending in XXXX. I am not the original owner of this bank account and I didn't authorize wise to add such account under my profile because it's the hacker who did, so it doesn't have my authorization.
I have stated to Wise that the transfer in question should not have been directed to the XXXX XXXX account that was added by the hacker, but rather directed to my USD account details which I provided to Wise along with the remainder of my balance refund.
This is because the account ending in XXXX is a compromised account which was added by the person who hacked my Wise account and it doesn't belong to me, and as such Wise is owning me because I stated to Wise during emails and calls that all few days to Wise refunding my money that all my balance refund should be sent to my USD account details.
I told wise that the account is a compromised and hacked account, and I meant to tell Wise that the account is owned by the person who hacked my Wise account and not me. I do not really write English.
For wise going ahead to send my funds to the hacker bank account becomes Wise error/ mistake and section 12 of Wise User Agreement which says that wise will refund all payments to me immediately.
In wise website, wise has stated what will happen to customers balances when an account has been deactivated. Please note that wise has stated that they already cancelled the transfer they created and moved funds to my balance when they deactivated my account.
Wise wrote on their website that " If you still have money in your wise account, we'll work on sending it to your bank account ''.
This is the full message what Wise Wrote Remaining balances : " If you still have money in your Wise Balances when we close your account, we'll work on sending it back to your bank account. But first, we need to carry out due diligence checks ''.
Wise has stated to me that they moved the automatic transfer they created to my balances when they deactivated my account, as such the money became part of my balance and Wise supposed to have refunded all at once and not seperately. This bank account is the one wise always ask customers to submit for " balance '' to be paid into. In my own case I submitted my USD bank details to wise because since I had a multi currency account, I can seek a refund in any currency and provide account details.
Also, I wrote in email to Wise on XX/XX/XXXX and XX/XX/XXXX informing wise that my Wise account had been hacked and that the external account added was from the hacker and that Wise shouldn't send any money in there. I'll show a screenshot of everything in this complaint.
Again, for the fact that wise already moved my funds under the transfer # XXXX to my balance when they deactivated my account, then it becomes " Remaining Balance '' and wise has stated on their website what would happen to customers remaining balance after deactivation which wise said that all balance balance would be paid into a bank account provided by the customer which in this regards is always submitted to wise secured website during submission of bank process which I submitted my USD details to wise and as such, all my balance would have gone there and not seperately since I already indicated to wise on call too about before they sent me part of the funds.
I had already written to wise in my emails dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also spoke with two Wise customer support team on morning and afternoon of XXXX XX/XX/XXXX asking them if they had seen my email with the account details where I needed all my funds and pending transfers before and during my account closure should be sent to and they said Yes. If wise provide the call recording, they would see that I told wise that all my funds in the account should go to the account details I provided and I asked the customer support if they received the correct account details and they said Yes.
This means I told wise to send all my funds to one account On XXXX of XX/XX/XXXX, I also contacted Wise on XXXX and told them that since they said they would send my money on the XXXX of XX/XX/XXXX that it had been more than 10 days without me receiving my funds. I forwarded my account details again to Wise on XXXX and an agent responded to me he/she had reached out to the team with the information to check status of my refund. I will attach screenshot.
I also showed wise the email they sent to me on the 5th of XX/XX/XXXX which stated as follows ; " Hello XXXX XXXX XXXX, We've decided to keep your account closed.
We have completed our checks- so we can process your refund.
We'll return any money on your account to the refund account you told us about during the deactivation procedure '' POINTS TO CONSIDER WHY THIS IS WISE MISTAKE AND WHY WISE SHOULD REIMBURSE ME : 1. Wise Said they would return " any '' money on my account to the refund details I told them about about during deactivated procedure. In this regards, the only bank I submitted to Wise during this process was my US bank details.
2. Wise didn't say they would return funds to saperate account, they said they would return it to the account I told them about and the only account was my USD account which I also submitted in email and on XXXX too and on call with customer service agent which they said they are with the correct account for my refunds.
3. For wise to use the clause " Any money '', it covers all the money that was in my wise account at the time my account was deactivated. And wise had stated to me that they moved the automatic transfer they cancelled to my balance.
By this, all the funds in my wise account falls into the category of " any money on your wise account '' Because of this, I want Wise to honour their agreement and return " any money '' that was on my wise wise account to one account details which I provided to them, and not seperately.
Even On XXXX of XX/XX/XXXX, when I sent an appeal to Wise, I wrote the following to Wise " Hi wise refund to my own XXXX bank account total amount inside got XXXX. In this statement, I was telling wise that they should refunds the automatic payment they created back to my Wise XXXX account details which wise provided to me as a multi currency account.
The reason I asked wise to refund back to my Wise XXXX account inside my wise account which wise provided to me was because I didn't want Wise to send my funds to the XXXX external account that was added by the hacker.
Also wise stated they cancelled the automatic transfer they created and moved funds to my balance as I instructed.
I submitted my bank details for all my leftover proceeds to go to and I expected wise to send all my funds in there and not to send some of my funds to a hacker 's account who had illegal access to my Wise account and added the bank account which wise sent the funds to.
On XXXX XX/XX/XXXX, wise sent me an email that they have completed all the checks and that they would be sending my balance to the account I provided for refund.
Since then I kept on calling wise and sending them email instructing them that all my funds should go to the bank account I submitted during the submission of bank process on XXXX XX/XX/XXXX.
I sent several emails to Wise with instructions informing them that they should not send any of my funds anywhere except the account details I submitted and I wrote the account details again on the email to Wise.
I sent similar email again to Wise on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and in the morning of XXXX XX/XX/XXXX but yet wise did not refund my money.
In the evening of XXXX XX/XX/XXXX, I called wise and spoke with two customer support team and the name of the one I could remember is XXXX who told me that they had already received my correct account details and assured me that all my leftover funds in my account including the one that the hacker added an a fake bank ending in XXXX that was cancelled would be sent to the correct account details I provided.
I asked him to mention the correct account details for refund in their system to me to enable me double check if it was the one and he called the exact account details that I provided and assured me that he would pass to the payment teams to recheck and issue my refund to the right bank.
Exactly 8-10hrs after my call with XXXX, I got email from XXXX who informed me that {$3800.00} USD has been refunded to me in the account details I provided.
I told XXXX that I already emailed wise instructing them to send all my money to one account and not separate account and I already spoke with XXXX and another person and told them my correct account details that I needed all my funds in one account details which I provided.
Then this is a mistake from Wise sending my funds to a wrong bank not owned by me which was added by the hacker and it's a compromised bank owned by the hacker.
I responded to XXXX email that the account that they sent the other funds to ending in XXXX that was attached to my Wise account was a hacked account by a hacker and a compromised account and I told them that I don't have access to it because it's compromised and not mine. By this I meant that I'm not the owner of this bank as it was added by XXXX the hacker who said she was working for wise. XXXX told me that completed transfers can not be recalled.
This is not my mistake, I already gave instructions on call to XXXX telling him that all my funds should go to the account I provided and not seperate account.
I want Wise to release the call record I made with two customer support on XXXX XX/XX/XXXX which was about 8-10hrs before my funds was sent to see that I informed Wise staff that my funds should only go to the correct account I provided to them.
Also, my sent email to Wise few days before the XXXX XX/XX/XXXX indicated that instructed wise that all my funds should only go the account details I submitted to Wise for my refunds.
In regards to this, this becomes an error and mistake from Transferwise and as such their user agreement of section 21. 6 in XXXX should be followed for Wise to reimburse my money immediately.
Also Wise Customer Agreement Section 12 of XXXX also stated the following " In case of unauthorized payment or mistake due to our error, we shall at your request immediately refund the payment amount including all fees deducted by us ''.
The section 12 of XXXX User Agreement also said that " if we do not reasonably meet our commitments to you, we are responsible for loss or damage you suffer '.
Wise has to meet up with this agreement and commitments to me and wise is to reimburse me for the loss and damage I have suffered because it is their error and mistake.
I want Wise to honor this agreement and refund me my funds because it is transferwise error and mistake.
This is a mistake from wise and I will quote the Customer Agreement Provided by Wise to me as at the time of signing up an account.
In the customer Agreement, Wise states that if they make such mistakes and a customer complain about the mistake to them within 13 months that they would refund the amount to the customer. I want Wise to honour that Agreement and refund me.
The agreement ; In wise Customer Agreement XXXX and XXXX where my account falls into, the section ( 21.6 ) states as follows " Our liability to you for unauthorised payments or our mistake. In case of an unauthorised payment or mistake due to our error, we shall at your request immediately refund the payment amount including all fees deducted by us ''.
Also subsection ( e ) of same section states that " If you dont let us know about the unauthorised or incorrectly completed transaction within 13 months from the date of the payment transaction ''.
In this regards, it is the same as Wise XXXX Customer Agreement of Section 12 ( d ).
Wise said customers should notify them of incorrect completed transactions within 13 months.
In my case, I notified Wise the same day wise made the error.
As such I need wise to refund me all fuds to the refund Bank details I provided to them which is the same bank account Wise sent my {$3800.00} to.
In conclusion, I need this mistake to be corrected by wise and the money to be sent to my USD bank details I provided to wise during the submission of bank details and an compensation from Wise immediately.
In Wise Response to my complaint on XXXX XXXX, Wise has stated that they will give me a compensation at the end of the case, I need the compensation with my funds immediately
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| 07/13/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
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Web |
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On XX/XX/2023 I initiated an ACH transfer through Wise.com ( formerly Transferwise ) in the amount of {$60000.00} USD, which was sent from our XXXX XXXX XXXXXXXX XXXX account to Wises account at XXXX XXXX bank in XXXX which would then be converted to EUR and forwarded to our account in the XXXX. As per their instructions I had included my Wise membership number in the reference field This ACH transfer was fully funded from our account at XXXX XXXX XXXXXXXX and the amount was debited from the account on XX/XX/2023.
On XX/XX/2023 I still had not received the EUR transfer, and had not received any communication from Wise informing of any issues so I called Wise customer support, connecting with " XXXX in XXXX '' from the large transfers team He stated that due to a " name mismatch ( my wifes name was on the XXXX XXXX XXXXXXXX account and my name is on the Wise account ) that on XX/XX/2023 they had rejected the transfer from our XXXX XXXX XXXXXXXX account into their XXXX XXXX account, and that the {$60000.00} would be refunded back to our XXXX account in XXXX business days, by XX/XX/2023 the latest I asked for a transaction receipt of the refunded transaction and was then sent a fraudulent (? ) transaction receipt with an amount in XXXX and a completely different transaction number.
Also many required info was left blank. I have attached this transaction receipt to this complaint so you can have a further look.
On XX/XX/2023 I still had not received the refund and contacted Wise again, speaking with " XXXX in XXXX, XXXX '' At this time I was advised that they needed to see screenshots from my XXXX account showing the account balances in order to verify that the money had not arrived. I provided this and was told that they are " not sure what happened, but will need to escalate the case and should have an answer for me in XXXX business days '' Also, I was asked by XXXX if XXXX wanted to file an official complaint, which I agreed to do. He wrote my complaint down and stated that complaints are taking very seriously here and would be thoroughly investigated and could take up to 14 days to get a response Later that evening I received a generic email from Wise stating that Weve initiated the refund of your payment, without mentioning any details about amount, transaction number or bank account info. To me this seemed strange as they had previously stated that they had rejected the payment on XX/XX/XXXX and issued the refund that day, not 7 days later.
On XX/XX/2023 I received an email from Wise Support, signed by XXXX, stating that We have reviewed your complaint and prepared the final response, please find it attached. I will also include this letter in my documents to the CFPB.
In the complaint final response letter, XXXX blames me several times for the name mismatch and then states that : ( ) The rejections via our partner bank in these cases are manual, and the timeframe for receiving the refund in these cases is a bit different than a regular refund, since it's dependent on the bank processing times. It usually takes XXXX working days but can be longer in some cases. The rejection was submitted to our partner bank, XXXX XXXX on the XXXX of XX/XX/2023, due to the weekend, the XXXX of XXXX was the first business day. Please also note that the XXXX of XXXX was a bank holiday ( ) and As for the transfer receipt, unfortunately transfer receipts for rejections via our partner bank aren't containing much information, since we're not originating a refund transaction but rather leaving it to the bank to return the original transaction as rejection.If there is a further delay with receiving the payment bank, the sender can trace or recall the payment with their bank. In case the sender bank needs any information or documents from us, you can let us know what exactly they need, and we will do our best to provide these information/documents.
On XX/XX/2023, I still had not received the money, so I replied to XXXX email, asking him to please provide documentation that you have sent the rejection request through XXXX XXXX as he had offered in his complaint response that they were willing to provide these.
I did not receive a response from XXXX and later that day I called Wise customer support again, and the call disconnected midway through.
After the call I received an unsigned email from customer support stating that ( ) unfortunately there isn't any way we can speed up the process or provide you with an ETA on this issue. We understand you'd like a proof of rejection however there's not a downloadable version of this action in order for me to send this to you This was getting beyond frustrating now.it was a huge amount of money for us and they handled it so poorly and without any regard for the truth. First promising time frames and documents and then later recanting all of itso I got creative and Googled and found some email addresses for Wise leadership and send them a polite email ( also included in this complaint ) begging for anyone with any responsibilities please get in touch with me asap?
On XX/XX/2023 I received another unsigned email from Wise customer support stating : Unfortunately, because of a technical problem, it is taking us longer to refund your money.
We expect this problem to be fixed within the next 5 working days I responded with This is unacceptable. What technical error? You told me it was refunded on the XXXX of XXXX and now this?
Today, XX/XX/2023 I receive several emails from Wise customer support.
First an unsigned email at XXXX stating : We've submitted the refund to be processed on the XXXX of XX/XX/2023 but we've received an update from our team that due to a technical issue with our banking partner, refunds can't be processed at this moment.
Then another email at XXXX, from XXXX XXXX Complaints Specialist stating : We will be opening a full investigation into your issue and In some cases, full investigations can take up to 10 working days to complete In this email, XXXX refers to a completely different transaction number than the one at issue.
I replied stating that these stalling tactics are unacceptable and Why are you keeping my money that does not belong to you? and also tell him about the error in the transaction number.
At XXXX XXXX emails again, now stating : We've finished investigating to determine whether rejected deposit for transfer ( xxxxxxx ) has been delayed. What we've found is that your deposit was affected by a partner bank delay reported to us on XX/XX/XXXX, involving 118 total transfers.
Our payments team have informed me that XXXX XXXX has given us an estimated completion date of today. Once they provide us the debit links for the initiated refund, we will be able to provide a proof of refund. You have the right to request any documents we've relied on in our investigation to come to this conclusion.
and Because we made the error with your transfer, we'll compensate you ( ) with 100 GBP of fee credit. This can be used on any future transfers until the full 100 GBP is used I replied : Yes, please send me all documents that you relied on to come to this conclusion.
IN CONCLUSION : As of the submittal of this complaint, I have not received any documents from Wise showing that there is an issue with XXXX XXXX or that the transfer has indeed been rejected and refunded. Furthermore I still have not received my money back. Is this a scam, a stalling tactic to collect interest on the funds or?
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| 06/09/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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Web |
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Wise.com 's Mishandling of my US {$1900.00} Transfer from XXXX I would like to report Wise.com 's weird payment behavior to you as follows : My name is XXX from XXXX. I have been Wise.com 's client since XXXX this year. Wise.com, formerly XXXX is a payment service registered in the XXXX and I have conducted some investigations before becoming its client.
On XX/XX/XXXX I have withdrawn US {$1900.00} ( after deducting US {$35.00} of transaction fee ) from XXXX to deposit it to my USD account of XXXX XXXX XXXX XXXX opened through and trusted at Wise.com, see XXXX ) XXXX Wise XXXX XXXX XXXX and XXXX ) XXXX Wise - Account details Screenshot XXXX at XXXX.
However, a week was gone, my money has still not shown on my XXXX XXXX XXXX XXXX account at Wise.com.
Therefore I have contacted all parties involved in the transaction, XXXXXXXX XXXX- the Payer, the XXXX XXXX XXXX XXXX, the bank where my account is actually opened and Wise.com, the payment solution provider that has provided me that account during my registration.
XXXX replied on XX/XX/XXXX that they have made the payment successfully and considered the case as settled, see their answer below : XXXX ) XXXX XXXX account XXXX XXXX dispute report XXXX screenshot ( XXXX ) - XXXX.
To XXXX XXXX XXXX XXXX I have submitted my question via their online form and they replied on XX/XX/XXXX & XXXX as shown on the following XXXX emails : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Submission XXXX XXXX XXXX ) XXXX Re XXXX XXXX XXXX XXXX General XXXX XXXX XXXX XXXX XXXX Basically they said that thay are partner bank of Wise.com but they do not have access to my account, albeit under their bank name. As such they suggested me to contact XXXX and Wise.com to find out the reasons, which I have done already, but with no results.
As far as Wise.com is concerned I have talked to its Help Center people a couple of times since XX/XX/XXXX via their Help Center, in chat, per site document uploading or through online email submittals. While per chatting on XX/XX/XXXX & XXXX, I was informed that no incoming funds transfer were detected in my account, my emails and document submittals got no feedback of whatsoever, till this moment when I am writing this email.
Therefore I have conducted some researches of other ways of finding a solution, and finally I found their customer complaints email address at XXXX XXXX XXXX and wrote the following email to them on XX/XX/XXXX : XXXX ) XXXX Email to XXXX XXXX XXXX re My Lost USD XXXX - XXXX to Wise Transfer - Membership Number XXXX.
This mail did got the replies a couple of hours later, see the email exchange between me and Wise.com 's XXXX XXXX XXXX : XXXX ) XXXX Email to XXXX XXXX XXXX Re We need information about [ NAME ] XXXX job and employer before XXXX XXXX
What they said is basically that the transfer of my money from XXXX was completed and the money is at their hand, but they have never informed me of anything since the money has reached them. They said they need some extra checks, but the mechanism of the socalled " extra checks '' was never implemented, even since its XXXX XXXX XXXX has promised to enable the mechanism on XXXX XXXX as stated in their mail. And since then, I have repeatedly ask them to move ahead with their socalled checks, however, all my requests were simply ignored and hence I have never heard from them since XX/XX/XXXX. I can find no way to trigger the extra check mechanism as they told me, as seen from the front page of my dashboard at Wise.com login below : XXXX ) XXXX Wise Online My Dashboard Frontpage Screenshot XXXX at XXXX XXXX XXXX XXXX XXXX XXXX I don't know what they are doing or want to do against my money, which I earned back 5 years ago with my translation services for a US company called XXXX.
And now my US {$1900.00} from XXXX is still at Wise.com 's disposal, and my account does not show any evidence of the transfer as indicated by the account statement on XX/XX/XXXX below : XXXX ) XXXX Wise - Account XXXX I have no way to get an answer from them, as all my emails get no answers, and their Help Center seems not operational as well, as seen from a picture of the center right now : XXXX ) XXXX Wise Help Centre Screenshot XXXX at XXXX Talk to our XXXX Apart from the email entry, the chat and telephone functions are all greyed out, there is no way to contact them physically. But emails won't get answered at all. Therefore I have now no way to get any replies from Wise.com. They simply seem to have disappeared from the world.
Then what they want to do with my US {$1900.00}? Do they want to retain my money forever as their own? Can anyone else do such thing as Wise.com is doing against people like me?
My money was legally earned through my expertise service. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as my key expertise right now. I have discontinued with my language services a couple of years ago for various reasons, although I am proficient in English, XXXX and XXXX since the early XXXX 's. I am not a rich person, just on contrast, I am XXXX XXXX, because I am not earning money through illegal ways. Therefore US {$2000.00} is a big money to me. If someone steals that amount of money from me, that equals the killing of mine.
I don't think anyone in the world can keep my money without my agreement for any reason. I consider this act of Wise.com a crime, and therefore I want to seek justice with relevant financial and government authorities in the countries involved with this case. I hope God and justice will finally prevail and evil=doer like Wise.com will get severely punished. How severe they shall be punished, we shall work out a scheme together.
Anyway, my money must be recovered and returned to me as soon as possible, in one way or other, and any losses - direct or indirect - I may suffer from Wise.com mishandling shall be compensated as soon as possible, without delay.
Otherwise the world 's financial system will tumble.
In fact, ever since the transfer, their wicked way of business has already made my life miserable and terrible. I can not rest well, worrying days and nights, and having many troubles to my normal life. Their misconduct has destroyed my normal life, some of my plans and also makes me worry about my later life, for I am a man near XXXXXXXX age and have no XXXX XXXX My business has yielded no XXXX for me, although I have been trying my hardest over the lase decades. Now my only option is to seek help from the financial industry and regulatory authority.
Thank you for your kind considerations of my requests and your patience reading the complaint.
Attachments : ============ XXXX ) XXXX Wise XXXXXXXX XXXX XXXX XXXX ) XXXX Wise - Account details Screenshot XXXX at XXXX XXXX ) XXXX XXXX account XXXX XXXX XXXX report XXXX screenshot ( XXXX XXXX - XXXX XXXX ) XXXX Re XXXX XXXX XXXX XXXX General Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX General Contact Form Submission XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX wise.com XXXX My Lost USD XXXX - XXXX to Wise Transfer - Membership Number XXXX XXXX ) XXXX Email to XXXX XXXX XXXX Re We need XXXX about [ NAME ] XXXX job and employer before XXXX XXXXl XXXX ) XXXX Wise Online My Dashboard Frontpage Screenshot XXXX at XXXX Money Transfers International Banking XXXX XXXX ) XXXX Wise - Account XXXX XXXX ) XXXX Wise Help Centre Screenshot XXXX XXXX XXXX XXXX XXXX our XXXX
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| 04/08/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Other transaction problem
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Web |
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On XX/XX/2022 I used WISE to send money from the XXXX to a family member is XXXX. I had used WISE in the past for the same person and same reason with no issues. This time the transaction was automatically out under investigation and stated it would take 4 working days to be resolved. I decided to make another transaction the following day to see if it would go through and nothing, the same result. I contacted the customer service team by phone and they said they didn't know why it was being investigated, but, elevated the case for the team to look at it. A few days later I went on they XXXX and commented on other unsatisfied clients comments, WISE asked to PM them with the transaction numbers and here is what I have had to deal with with no resolution yet today : Here is part of what I have been through after attempting to send money to a family member using WISE. I sent the money XX/XX/2022, then 2 more transaction on XX/XX/2022 and still today the money hasn't been delivered or returned to me. I tried to resolve the issue and this is what I have been through so far : After commenting on other people 's frustrated posts I was asked to PM WISE and provide the transaction numbers. I did and absolutely nothing was resolved check this out : Wise Hi, Im the Wisebot. Please select one of the options below so I can point you in the right direction.
Enter You sent following up to our conversation. You asked to share the transaction numbers I am having issues with. here they are : # ZZZZZZZ, # YYYYYYY, # XXXXXXXX You sent as i mentioned before, it has been way too long, I would like to cancel these transactions. I've contacted customer service 3 times and the case has been escalated 3 times with no answers...
You sent the person i am sending the money to cant even close the account because there are other pending transactions.
XX/XX/2022, XXXX XXXX Wise Thanks for sending the transfer numbers, XXXX. I understand your urgency here and I'm going to make sure this is being handled by the proper team to avoid further unnecessary delays. Please give me some time to ensure I have the most accurate info. I'll be in touch within the next working day.
Enter XX/XX/2022, XXXX AM Wise Hi there, XXXX. I wanted to check-in and let you know I'm still investigating this for you. As soon as I get any answers from my team, I'll let you know. Thanks for bearing with me while I get this done for you Enter You sent Thanks for the update.
Enter XX/XX/2022, XXXX XXXX Wise Yes, of course, and thanks for bearing with us. We'll get back to you by email once we know more.
Enter XX/XX/2022, XXXX XXXX You sent Hi, any luck? still no resolution on this matter. Do you see why I am frustrated?
Enter XX/XX/2022, XXXX XXXX Wise Hi again, XXXX. I do understand your frustration, and thank you for how patient you've been. Ive just emailed you with some information and a security code. Please have a look and reply here with the code if you have any other questions.
Enter XX/XX/2022, XXXX XXXX You sent Yeah, you just provided me the same thing I keep getting... basically no information, no resolution ... what checks are you doing that takes 14 days ... that is absurd. I need my money back, whatever issues you are having it's not me obviously because I have not been asked to provide anything. So I need my money returned to me if you are not able to deliver it to the recipient Enter You sent I am following up on FB to show everyone I am right in everything I said about you not being able to fix this issue and holding my money.
Enter XX/XX/2022, XXXX XXXX Wise We always do our best to process every transfer as quickly as possible. As every transfer is unique, sometimes we might have to run regular bank checks based on our bank partner requirements. Whenever this happens, we also work to complete these checks as fast as we can. Also, this doesn't mean that we'll ask for additional information for every transfer that you make. We always aim to make this process as simple as possible, we'll only ask if we do not have the information required by the local regulation from the sending partner. If we've already had the information required, we'll continue to process the checks from our end. I can assure that our team is working on this, and we'll be in touch with you as soon as we've further information on your case. Also, if you'd like to continue over social media, please reply here with the 6 digit code that I've shared over email. Thanks a lot.
Enter You sent Its been 15 days, how much longer can not take! I am done and tired of the same excuses.
Enter XX/XX/2022, XXXX XXXX Wise I completely understand that, but I don't have new information to share on this, other than that the relevant team has been notified, and hopefully they'll be sharing an update with you very soon.
Enter XX/XX/2022, XXXX XXXX You sent well, its the end of the month and still reviewing ... .since XX/XX/XXXX ....
Enter XX/XX/2022, XXXX XXXX Wise Hi there. I certainly understand it has taken longer than expected. We've escalated the case with our dedicated team and hoping to get updates soon. We appreciate your patience throughout all this time.
Enter Wed XXXX XXXX You sent i need to cancel my account and my money be returned to me for the transactions you haven't been able to complete. what do i need to do?
Enter You sent i dont want to cancel and then never get my money back.
Enter XXXX XXXX You sent SO, I guess you are not responding anymore... ok, its time to really expose what you are doing to me then.
Enter XXXX XXXX Wise Hi there, XXXX. I understand that you're very frustrated with this situation. While there isn't any new updates yet, I've escalated this once again with our team. Please be assured that we're doing all we can to reach a resolution.
Enter You sent not you are not doing everything you can, why is WISE so secretive about clients talking to higher up teams? all we get is to talk to you and you saying we escalated this issue, i will publish every conversation I've had and every email I've receive so people can see you do nothing other than state you escalated the issue and then nothing happens, you withhold my money for more than a month and I have zero information of why this is happening.
Enter You sent I will also contact my bank to ask reference to report WISE and provide all the evidence of the lack of information while withholding my money for more than a month.
Enter You sent I will use every social media access I can get a hold off and present a timeline of what you have done to me ... .I know you dont care or give a XXXX about your clients based on what you have done to me, but, at least I might be able to stop someone from going through this.
Enter You sent I dont know how you sleep at night, I sent money to family members that needed to pay bills, you did not deliver the money, decided to hold it for since XX/XX/XXXX and provided me no explanation at all, so not only put a strain on my family members but also on my budget.
I also have the email where they again state they escalated the case... .I have not received any notification of why they are holding the transaction, there is no way to go above the online or phone customer service, they have hold my money since XX/XX/2022 with no answers, I can not even close my account! Is there anything I can do to get my money back?
|
| 04/26/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
Older American |
|
XX/XX/XXXX Gentlemen CFPB Reference : Claim and request Dear Sirs : Description of the facts : 1. On XX/XX/XXXX, I requested a transfer for {$1000.00} from MY PERSONAL ACCOUNT at the XXXX XXXX New York branch ( I insist : in the name of a NATURAL Person ), to another Personal account ( which the bank assumes is from a Venezuelan citizen ) in the XXXX XXXX XXXX. The transfer was identified by XXXX with the number XXXX.
2. On XX/XX/XXXX, the Bank suspended the transfer and sent me an email requesting information on the transfer ( see DocumentPDF-1.pdf Image-1 ) 3. On XX/XX/XXXX, I responded to the request by providing the required information ( see DocumentPDF-1.pdf Image-2 ) 4. Dated XX/XX/XXXX The XXXX XXXX sent me an email again indicating that I did not clearly answer the questions and repeats the questionnaire in image-1 ) 5. On XX/XX/XXXX, I responded to the request ( see DocumentPDF-1.pdf image-3 ) 6. On XX/XX/XXXX, the XXXX XXXX sends me an email informing me that it has deactivated my account because XXXX is a restricted country for XXXX and that it does not provide services to companies or support transactions involving persons, entities or countries subject to international sanctions.. ( see DocumentPDF-1.pdf image-4 ) 7. On XX/XX/XXXX, the XXXX XXXX sent me an email informing me that I could appeal its decision and reconfirmed its decision ( see DocumentPDF-1.pdf Image-5 ) 8. On XX/XX/XXXX, I submitted the Appeal ( see document PDF-2-Appeal.pdf ) 9. Dated XX/XX/XXXX, the XXXX XXXX sends me an email informing me that it has reviewed my appeal and that it upholds its decision. ( See DocumentPDF-1.pdf Image-6 ) Some Precisions : 1. The account I registered with XXXX XXXX is a Personal Account. It is not a Business account. It is a transcendental ( fundamental ) difference in the case at hand.
2. I am a Venezuelan citizen. I have no international sanction, or of any kind.
3. The internal rules, regulations, banking policies and adhesion contract clauses must comply with the constitutional norms and Laws of the United States. They can not be supra-constitutional, that is, they can not be applied in contravention of the Laws of the Republic and the civil rights of citizens.
4. XXXX as a country was not, and is not, a subject of international sanctions. If a few Venezuelan citizens and companies were SANCTIONED ( especially associated with corruption ). But that's all. Therefore, it is an act of Xenophobia and Discrimination to generalize that such specific sanctions are applied to Countries, that is, to all citizens of that Country and Nationality and that therefore the XXXX XXXX can apply that generalization and treatment to all Venezuelans in the country, context of its policies and regulations. Incredible!!!.
5. This precision is a question : Why the contracts of adhesion, the internal regulations and especially the policies of acceptable use 1.2.3 ( b ) * that the bank indicates as a pretext to apply the deactivation of the account DO NOT expressly INDICATE that, I quote verbatim : " XXXX is a Restricted Country for Wise ... ''? ( see image 4 Document-1-PDF.pdf ). The answer is simple : if they did, they would incur in a conduct of Discrimination due to Nationality. But if they apply that policy later and arbitrarily. And lastly, why didn't the bank inform me of that politician at the time I registered the account with my identity document? Simple : it does not do so because it would be interpreted as discriminatory conduct.
In summary : XXXX XXXX deactivated my account because I am a Venezuelan citizen. So clearly the Bank justified it with surprising self-confidence and cynicism. He generalized that the sanctions were for all citizens of that country incurring in an act of Discrimination due to Nationality.
In a reprehensible action based on : 1 ) my nationality 2 ) international sanctions applied to a few Venezuelan citizens and 3 ) regulations, internal rules, incomplete adhesion contracts and banking policies that violate civil rights, the Bank proceeded arbitrarily, without any reasonable justification, violating current legal regulations -- see Note ( 1 ) -- and in reprehensible conduct of discrimination and Xenophobia, to deactivate my account. But as if that were not enough, which is not ; in a reckless action informs me that they are the ones who believe that the subscriber/ see the last line of the email Image-X ). Incredible!!!. That subjective assessment must be checked and tested, and that did not happen. And without prejudice to the legal actions that I will take to denounce such an outrage and lie and restore my good name, I have decided to inform you ( CFPB ) of the discriminatory conduct that this Bank applies to Venezuelan citizens.
It is not an opinion, nor a subjective assessment of the undersigned. Those are the facts. The consequences and damage caused by these discriminatory actions on the dignity, emotional state and self-esteem of people are immeasurable ( because I am sure that I have not been, nor am I the only XXXX ) and consequently I have decided to initiate all the legal procedures that are necessary to demand an exemplary sanction, even until the closure of XXXX XXXX operations in the United States XXXX since such deliberate, premeditated and re-confirmed conduct by the Bank 's appeals area ( and as serious as crimes such as kidnapping ) should not Go unpunished. I have the time, resources, hierarchy and experience necessary to submit this dispute to the highest jurisdictional level necessary. Such reprehensible, disloyal, arbitrary and unjust business conduct ( exercised by people from a Bank ) must be sanctioned in an exemplary manner so that this Bank and any other entity that is created above the law, are severely sanctioned.
I understand that this first procedure is of an administrative nature and its pronouncement will be the fundamental substance of the judicial actions that I am exercising. But of course I am bringing to your attention conduct that typifies crimes and therefore I respectfully request that the CFPB also initiate the pertinent legal actions to denounce the conduct that I am reporting in this complaint. I also request that you tell me if the CFPB can take sanctioning actions and in that case I request that they be the most severe possible.
Notes : ( 1 ) Title VII of the United States Constitution also prohibits discrimination based on national extraction. The term " national ancestry '' has been defined as the country where a person was born or, more broadly, the country from which their ancestors came ( see 29 CFR 1606.1 : Equal Employment Opportunity Commission guidelines on discrimination based on national descent ). Likewise, section 1981 of the Civil Rights Act of 1866 establishes that " all persons within the jurisdiction of the United States shall have the same right ... to make and enforce contracts ... ''.
|
| 12/12/2023 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Dear Financial Ombudsman, I am writing to you in a state of extreme distress and urgency, seeking your immediate intervention in a matter involving Wise and my business sub-account ( XXXX XXXX XXXX, Member ID XXXX ) Wise Email : XXXX. This situation has not only caused me significant financial hardship but is also jeopardizing the health and wellbeing of my family, specifically my father who is in dire need of a XXXX XXXX and the handling by Wise has been distressing and unacceptable.
Detailed Account of the Situation : XXXX ) Account Deactivation and Refund Promise : My account was deactivated on XX/XX/XXXX. Following which I filed a complaint with Wise and appealed for my case. I received a final response that said they will be closing my account and promised a refund of any balance within 2-5 business days.
XXXX ) Conflicting Information Regarding Account Balance : Despite assurances of a refund within 2-5 business days, I have been met with conflicting information regarding my account balance - Email Communication : I received emails from Wise claiming XXXX XXXX balance in my account, which contradicts my records showing a balance of XXXX GBP.
- Phone Support Discrepancies : When I contacted their phone support, I received varying information : One team mentioned over XXXXXXXX XXXX available for refund. Another stated that the full XXXXXXXX XXXX was present.
3 ) Automated and Unresponsive Communication : The email communications from Wise have been generic and unhelpful, repeatedly stating no balance available for refund without addressing my specific queries or providing any explanation for the discrepancy stating : " '' Regarding your business account XXXX XXXX XXXX XXXX, we confirm that there is no balance left to be refunded. The money received in your Wise Account may be subject to reversal as per our Terms of Use section XXXX. '' '' Also, as per the screenshot attached, you can see that they are specifically ignoring all my tweets for the past ten days. They have not responded me once either on XXXX, XXXX, XXXX XXXX and XXXX despite being active and responding to multiple other people. I tried using three different accounts to do so. They reply with a hello but once I mention who I am and what my query is, they ghost me and do not respond to me. They simply ignore me and don't reply at all which is further stressing me out.
3 ) Severe Personal Impact : - Medical Emergency : The funds are critically needed for my father 's XXXX XXXXXXXX. The delay and uncertainty in accessing my funds are directly impacting his health and treatment. I am unable to pay for his treatment since all my life savings were stuck in my Wise account.
- Financial Duress : I have incurred substantial debts on credit cards to cover initial medical expenses. I am prepared to provide medical reports and credit card statements as proof of this urgent situation upon request.
4 ) Request for Transparency and Immediate Action : - I urgently request a detailed and transparent explanation regarding the discrepancy in the account balance.
- If any reversals have occurred, I demand to know to whom the funds were reverted or the specifics of the transactions that were reversed.
- If reversals were made without valid justification, considering I have fulfilled all service obligations, I need this information to pursue legal action against the individuals responsible for this potential financial fraud.
- Concrete reason for why did Wise reverse the amount without consulting me or asking me for proofs first.
- If no reversals have been made, why Wise is giving me different answers and is denying refund to me and is making false claims.
- Wise is also refusing me to share bank statements for my account after XX/XX/XXXX.
5 ) Plea for Your Intervention : - I implore you to intervene and facilitate a swift resolution to this matter. The continual generic responses and lack of clarity from Wise are not only causing financial strain but also affecting my mental health and family 's wellbeing.
- I request you to intervene and direct them for an expedited refund process, given the urgent medical situation and financial distress caused by this situation.
6 ) Potential Legal and Regulatory Action : I demand a regulatory action against Wise Payments Limited for deceiving me, not providing me the refund and refusing to provide me with necessary details, if any, for me to file a formal police complaint against the person who reversed the amount despite me providing all the necessary services to that person that I was supposed to.
7 ) How has this situation affected me?
I have been profoundly affected by the situation with Wise, both financially and emotionally. The funds in my Wise account, totaling XXXX XXXX represent my life savings, accumulated since birth. This amount is not just a number ; it's a significant sum in XXXX, where I am from, and holds immense value for my family and me.
Financially, the impact is severe. This money was earmarked for my father 's XXXX XXXX XXXXXXXX, a critical need that can not be postponed. The unavailability of these funds has put his health in jeopardy. To manage the initial medical expenses, I had to resort to borrowing, incurring substantial debts on my mother 's credit cards. This has added a layer of financial strain to our family, increasing our debts and significantly impacting our financial stability.
Moreover, the emotional toll of this situation has been devastating. The XXXX and stress of not being able to access my own savings for such a crucial purpose have been overwhelming. This ordeal has left me feeling powerless and vulnerable, knowing that the well-being of my family hinges on funds that are rightfully mine yet are inaccessible due to the discrepancies and lack of clear communication from Wise.
The uncertainty and helplessness this situation has caused can not be overstated. It's not just about the monetary value ; it's about what these funds mean for my family 's immediate needs and our future security. The delay in resolving this issue is not only a financial burden but also a source of constant worry and emotional distress.
In essence, the handling of my account by Wise has not only put me in a precarious financial situation but has also caused significant emotional and mental strain, affecting my family 's well-being and my ability to provide for their urgent needs.
This situation with Wise has left me feeling helpless, and I turn to your office as my last hope for a fair and just resolution. Your intervention in this matter is not just a request for assistance ; it is a plea for justice and compassion in the face of corporate indifference.
Thank you for your attention to this urgent matter. I am hopeful for a prompt and empathetic response from your office.
Regards, XXXX XXXX Phone : XXXX XXXX Email : XXXX XXXX
|
| 07/19/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
|
On the XXXX of XXXX, 2022, I clicked on a link from an email that appeared to be from " Wise ''. The email address was XXXX. They used the same logo and type face as Wise and requested that I fill out a form that was required for money-laundering. I thought the email was real. I clicked the link. Nothing happened but a XXXX search page opened. So I opened my account to look for the document. At this time, i started to notice that money was being transferred out of my account. A total of 9 transactions were attempted. I was only able to cancel two - that were connected to my personal account. The 7 transactions connected to my business account were successfully completed. As I noticed this was happening, I frantically tried to stop the transactions but was unable to reverse them. I tried to report them as unauthorized, but Wise only gave the option to EMAIL your complaint with a 2-day response time. I tried to call - but the phone number was not available. I was left utterly helpless by the corporation as I was being robbed and there was no way to close my account, freeze the transactions or disconnect my connected bank accounts. It was a complete and utter failure on Wises behalf to protect its customers.
Since I could not reach Wise I called my two bank accounts that were connected to my Wise account to try to stop the transactions from going through. I called XXXX XXXX ( my account in XXXX ) and they blocked all transactions that were not coming through my debit card. No money was stolen from this account.
I called XXXX- where my XXXX XXXX based business account was held and they similarly told me they would block Wise from further transactions but did NOT block anything. The only thing that was stopped from going through were transactions that could not be funded due to a lack of funds. I later saw that my XXXX account still had an active relationship with Wise in my account settings, so clearly they failed at their obligation to block and END a linked business account relationship to Wise.
The following day three transactions posted to my business account, wiping out all of my funds and overdrawing my account. The three transactions were for the following amounts : XXXX USD, XXXX USD, and XXXX USD. A total of XXXX USD was successfully debited before XXXX took the initiative to block further transactions. The robbery attempted to withdraw almost XXXX from my Wise account as that is the daily spending limit. ( Which I could also not modify when I was being robbed ).
I filed claims with both XXXX and Wise- and XXXX immediately began an investigation but contacted Wise who then told them that the transactions were all authorized. This was and is infuriating, as obviously I had already notified both XXXX and Wise the night that this happened to tell them that the transactions were NOT authorized, nor did I have any idea who these beneficiaries were. I called XXXX back to contest their findings explaining the fraud and how it happened and they told me that the bank is not liable for returning funds lost in phishing scams, because I obviously gave my contact info to someone. This could not be further from the truth. I clicked a link for a document, NOT to make a payment, NOT with a password, NOT with any permission to open or take my money from my account. I then filed a police report and a report with IC3 - the FBI - and shared that with XXXX to further claim that I had not authorized these transactions, and they subsequently denied my claim again.
On the other hand, I was filing a claim with Wise simultaneously. They explained that XXXX had found the claim to be authorized because of the existing business relationship and that I should focus on filing a claim with Wise since that was who indeed would be able to refund me IF the transactions were found to be fraudulent.
I waited for over two weeks for a response, and heard nothing. When I finally got my response, Wise agreed that the charges were fraudulent and unauthorized, but suddenly attempted to shift blame to XXXX, saying they would be responsible for refunding me. Wise had previously told me, in a recorded telephone conversation, that IF they found the transactions to be fraudulent and could not recover the funds, they would be responsible for giving me a refund. NOW they are telling me that XXXX will have to do so, and I shouldnt wait for them. Not only is Wise unresponsive and extremely slow in getting back to you, they are making blatant contradictions in their process and are avoiding giving a refund. They should be responsible for this money since it is their lack of customer service and availability that has ultimately allowed this fraud to take place.
It is completely disheartening to see how the banking industry has failed to protect its consumers with some of the simplest protections such as allowing a reverse of a transfer / cancellation of an account / freezing of an account/ or having a telephone service line 24 hours a day.
I also want to note that I believe strongly the crime came from someone who had my information and new I had an account with Wise. There are also reasons to believe that something strange was happening within Wise. For instance, I never got email confirmations about the transfers that went through- which normally I do. I never got details about where the funds were transferred - but they were transferred to a Wise balance of the thieves- and normally when you complete a transfer, they give you more information in a confirmation PDF. Normally a push notification informs me when a transfer is made, I didnt receive any. I believe this could have been an inside job. It happened so fast and with someone who knew the weaknesses of Wises security system and how few protections exist after the theft happens. There was no reversing or attempt to reverse the transactions- why would that be if it wasnt from someone who knew this was how Wise operated?
|
| 09/24/2023 |
No |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
XX/XX/XXXX : Tried to send money to myself from account A to B, USD to USD, was told the ACH method is unavailable to my account with Wise. Called in and was told they couldn't tell me a reason. I then proceeded to try with debit card to XXXXXXXX XXXX, both methods were rejected as well, the only method left for me to try was Wire transfer but I didn't use it because I don't feel comfortable with Wires.
On the same day, I tried to add money to my Wise account using a different personal bank account and was able to. The status tracker showed that the money would be available to my account on XX/XX/XXXX, but later on Thursday, it changed to " your money is taking loner to reach us, we'll deposit it once we receive it '', even though the fund has been taken out my account the same day. Upon reading the message, I called Wise customer service, she assured me it was just a random regulatory check from their system and the fund should still be available on Friday, XX/XX/XXXX. I trusted her and decided to wait. The fund in question is around {$2500.00}, from hereon, this will be referred as Transaction A.
Still on the same day, I initiated a second transfer using my account on file with Wise, it was able to go through and the status showed " your money is taking longer to us, it will be available on XX/XX/XXXX ''. The fund in question is around {$3800.00} and will be referred to as Transaction B.
XX/XX/XXXX : Received an email from Wise says the following : " We need some more info from you before starting your transfer.
Wise is a safe and regulated way to send money. And sometimes we need to double check that its really you sending money.
That means we can only start your transfer of XXXX USD after you send us a proof of payment. That could be a PDF or screenshot from your online banking that shows : [ 1 ]. The name and logo of your bank [ 2 ]. Your name as the account holder [ 3 ]. Your bank details ( fully or partially visible ) [ 4 ]. Your payment to Wise including the amount sent, the date and Wise as the recipient If we dont hear from you in the next 2 days, well need to refund any money youve paid in. " Upon receiving the email, immediately called and emailed Wise to clarify how could I provide a document that satisfy requirement 4, when in fact you have paused the transfer and would not be pulling the money out of my account until I have provided you all the documents. Over the phone, customer service agent informed me to wait for a day and the transaction should show up in my account, the ACH debit. I informed her that the email clearly indicate that you wouldn't debit my account until I have provided the documents, I don't think such transaction would show up in my account, but she insisted for me to wait. I further asked her if she could put me in touch with the verification team itself, instead of some call center agent who doesn't have the authority to get this resolved and was told no.
XX/XX/XXXX : I had no other choice but to wait to the second day and it was just like I expected, the ACH debit did not show up on my account. At XXXX, I got another email from Wise saying that this is a reminder email that they still haven't received my documents and they don't receive it the next day, they will cancel the transaction.
At evening on XX/XX/XXXX, the ACH debit still hasn't showed up and the deadline is passing, so I decided to upload my bank statement which clearly contained information that satisfies requirement 1-3. I also wrote an email to their customer support because their phone line is closed, saying that 'I can't produce a document that contains a transaction has yet happened, please advise how to proceed '', but I haven't heard back from anyone. I was hoping maybe by Monday, I would hear something back.
XX/XX/XXXX : Waking up to an automatic email sent by Wise at XXXXXXXX XXXX, saying Transaction B has been cancelled. This clearly tells me that nobody review my documents and just let their XXXX system cancel my transaction as if they did not receive my document.
At XXXXXXXX XXXX, I received another automatic email from Wise saying that they are closing my account on XX/XX/XXXX, and they can't tell me the reason, following by instruction how to appeal the decision. But before the account closure, I'm still able to withdraw, send and spend the money in the account, but won't able to add more. That was ok with me as long as it was true. I immediately followed the appeal instruction and tried to login to my account to check the status of Transaction A, hoping that I would be able to send the money out. To my surprise, I couldn't log on nor appeal the decision like the email instruction says. After clicking the 'appeal our decision button '' it gave me the following message : " After reviewing your case we've decided to keep your account closed.
If you had any pending transfers or money in your Wise account it has been fully refunded to the originating bank account ( s ).
Wise has the right to close your account without notice, however you do have the right to complain about this through independent adjudication. '' So it basically didn't let me appeal or present my case at all. I wasn't able to upload any documents or whatsoever like the email showed. This is EXTREMELY frustrating and it's very unprofessional and unethical on Wise 's part. The communication process from Wise is antiquated and the customer service agents are clueless of what's going on, nor do they have any access or authority to resolve the issue properly, yet, I couldn't get in touch with anyone from the so-called mysterious " verification team '' who sends out XXXX and incoherent requests.
Please look into their practice and help me out to get this resolved as soon as possible, thanks!
|
| 11/02/2023 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
I am missing {$2000.00} to Wise.com. The money was pulled from my account on 4 occassions. When I call the company, they say that all of these charges have " successfully been sent to my recipient 's account. '' However, this is not the case, as can be proven by my recipients Bank Account Info.
TIMELINE OF WISE SUPPORT REQUESTS : XX/XX/XXXX : FIRST complaint filed online to company about charges not hitting XXXX Account XX/XX/XXXX : Another inquiry made about additional charges made to wise via phone. Did not get a case ID for this. Called AGAIN, was given instructions to check with XXXX XXXX with the transaction receipts from Wise. The XXXX XXXX said they could not locate any such transactions. A statement from XXXX XXXX was sent to Wise.
XX/XX/XXXX : Called Again, and it was made clear to me that Wise was not investigating the proper charges. The refund request still hasn't been completed, and they hold that all charges were successfully sent to the recipient even though it is not reflected on recipient bank statement.
A DESCRIPTION OF MY CASE : There are FIVE transactions in the amount of {$500.00} that are not accounted for in my recipient 's bank account, but were pulled from my XXXX XXXX account to Wise. See attached table for specific dates and transactions ID 's.
Here is the sequence of events that led to this : On XX/XX/XXXX, a scheduled transfer ( transfer XXXX ) was sent to XXXX XXXX Account ( recipient ). At the time, it appeared that this transfer did NOT go through ( no email was sent to my recipient about the transfer ) on it's scheduled date, and in order to make sure she was able to pay her bills, we pushed through a payment manually ( transfer XXXX ) which also did not go through. On XX/XX/XXXX, we pushed through another payment manually ( XXXX ) and money did hit her account. It appears that this transaction was actually not successful, and that one of the initial transactions was successful and hit her account on XX/XX/XXXX? In any case, ONE of these transfers was successful, so we thought all was well. At the time, I did not realize that THREE amounts of {$500.00} were removed from my account. 2 of these were pulled from my account on XX/XX/XXXX, and one was pulled on XX/XX/XXXX ( see attached Statements from XXXX ). Both of these were ACH transfers directly from my bank account to hers.
Then, another scheduled transaction was to take place on XX/XX/XXXX ( transaction ID XXXX ). Given the issues we had earlier in the month, my recipient kept an eye out for an email on her scheduled payment date. No email was received. So we waited a day to see if anything would go through. Nothing did. We tried again on XX/XX/XXXX ( XXXX ) but the transaction said it failed, so I decided to try using my credit card ( XXXX ) to see if it was some issue with XXXX, the sending bank account. I got an error message saying that there was insufficient funds and it could not be processed ( see attached statement ). On a later call with one of your representatives, I was told that this message can show up because there is a limit on Wise for sending money internationally using a credit card. AGAIN, this charge appeared NOT go through. However, the above email is telling me that one of these charges was successful, but this is not represented on my recipient 's bank statement. Wise has repeatedly told me that all of these were " successfully sent '', but THESE ARE NOT DISPLAYED ON THE RECIPIENT ACCOUNT STATEMENT.
To ensure that XXXX, the Recipient, had enough money to pay her bills since she is her family 's main support, I sent an international wire directly from my bank. You will see this represented on MY bank statement ( XXXX ) as well as XXXX XXXX XXXX statement on XX/XX/XXXX. We can tell that it is the wire transfer from my bank that was successful, and not the initial wise payment, because the description on XX/XX/XXXX is DIFFERENT from the description for the wise payment that occurred on XX/XX/XXXX. I have highlighted on these statements all the charges that are applicable to this case, as well as added written notes so you can tell which charges are in question here.
Another issue that I am having with this is that, we did indeed make sure all charges were cancelled that didn't successfully go through. In other words, we weren't really sure what was happening with the unsuccessful transfers, so we went back in wise and cancelled all transactions. This is represented on our transaction history in wise ( see attached ). However, we initially saw no issue, because many of these missing transactions were marked as " hidden. '' I had to go into filters and toggle on hidden transactions. To me, this is suspicious. Perhaps this is just a technical error, but it really added to the confusion about all of these missing charges.
|
| 02/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
Hello, I am a Wise customer with a company account. I will like to file a complaint against Wise who has decided to make my life extremely frustrating and caused me a lot of damage due to their business practices and lack of communication.
On XX/XX/XXXX, a client sent me a wire transaction of {$32000.00} for a XXXX XXXX XXXX sold to him. As soon as Wise got this fund, they restricted it and asked for more details ( nature of business ) which I replied that XXXX XXXX XXXX They had this information prior to this transaction but chose to block it when this huge fund came in.
You can imagine how frustrated we were when we ( a small business ) found out that we have $ XXXX restricted by the bank and that we are not going to be able to pay for cars we have purchased with the anticipation of these funds. We quickly sent an email to wise to explain to them the urgency of why we need this money. We explained to them that we need access to our funds so we can pay the XXXXXXXX XXXX and avoid incurring late fees and possible penalties ( closure of my XXXX account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Wise 's decision to withhold the money till XX/XX/XXXX was very harmful to us but all the same, we were patient with them with the promises that the money would be released to us on XX/XX/XXXX. XX/XX/XXXX came and Wise did not release the funds to us. I contacted customer service to let them know how important it is for Wise to release the funds back to us ASAP or do a wire back to the original sender if they do not trust the source of the money. Rather, I was met with my account being deactivated with no form of communication or notice about this. I quickly sent out an email to ask what was going on with my funds and they replied to my email with the notice that they have deactivated my account.
I quickly replied back, which can be seen in this email thread, that I am very fine with their decision and would like to ensure that the money is sent back to the client as this is causing us a lot of problems at this point. Our customer is feeling very uncomfortable with the entire experience as we can't release a car that has not been fully paid for and money received by us. And we are unable to buy cars from the auctions, incurred late fees, and stand a chance of XXXX auctioning off these cars we have with them for pennies until they get their full money.
You can imagine my frustration at this point, I called but the person I spoke with said he can't communicate any further on deactivated accounts when I asked him of what would happen with my money. He made no mention of sending my money back to my client or issuing me a check for my money. We called wise all day and sent a few emails that were unreturned.
I believe it is very highly irresponsible of a financial institution to withhold a customer 's money and not offer any reason why they are withholding it or what process they are taking to return the money to the client.
This is why I am writing this email to ask WISE to RETURN MY CLIENT 'S MONEY BACK TO HIM tomorrow XX/XX/XXXX! I will not stand a watch Wise trade with my money while I suffer and stand the chance of losing my dealer auction account! This is extremely painful to everyone involved. I called again this evening and the lady I spoke with said the money was returned but the receiving bank said it's not true as they do not see any sign of incoming wire for that amount to them.
I will like to know how to escalate this and also see how I can be duly compensated for the damages this has caused me! Wise has been very irresponsible with their communication. Their customer service says they don't have information to help anyone whose account is closed. This means that Wise can wake up one morning, deactivate someone's account and leave the person in the dark. It's enough to make someone lose trust in the U.S. financial system and I will want efforts to be made to change this. Not just for me but for other customers who may be experiencing this and feeling alone. I can not believe I am the only one who has to go through this with Wise.
I literally just paused to check on XXXX to see if I'm the only one going through this and a simple " Wise deactivated account '' search on XXXX, will show that this is a common practice with Wise! This is very fraudulent. It is almost as if Wise would turn out to be another XXXX! It's a ticking time bomb and only a matter of time. I just attached some screenshots on XXXX with complaints. It's a lot of them!
I want my customer to receive his money back and proof that Wise has returned back the money and for Wise to be investigated as this is unfair to people who are affected.
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| 02/28/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Money was not available when promised
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Web |
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CFPB, On Tues, XX/XX/2022, I submitted a wire transfer request to XXXX for {$400000.00} to be transferred from my own US bank account to my own XXXX bank account to provide the euro funds necessary to invest in a XXXXXXXX XXXX-approved real estate project. I provided clear documentation ( redundantly, per XXXX requests ) validating my bank accounts and the nature of the transfer.
On Wednesday, XX/XX/2022 at XXXX US central time, XXXX denied the wire transfer request without specific justifcation ( XXXX provided no details ) citing excessive risk and announced they would issue a refund ( having concurrently sent a separate email one minute prior at XXXX US central time requesting my USD refund bank details ). Per XXXX website, refunds are returned back to the bank from which the funds had been received, in the manner in which theyd been received. In this case, Id transferred the funds to XXXX from my US bank via wire transfer the day prior.
While I understand it is XXXX right to refuse a wire transfer request at its discretion ( even if unjustifiably ), XXXX can not be allowed to 1 ) announce the refund, 2 ) request refund bank information ( via a link to clients account ) 3 ) having simultaneously ( one minute later! ) de-activated the clients account. Not being able to follow the refund-bank-information-request-link to log-in to my concurrently deactivated account, I obviously was unable to provide the necessary ACH routing # to enable the wire transfer refund.
Suspecting a potential oversight, I immediately alerted XXXX to the above ( b/c I couldnt log on to my XXXX account, I continued the previous email thread and requested confirmation that the refund could indeed be sent per XXXX stated intention to my US bank account XXXX had received the funds from my US bank account per above, and Id downloaded many of my US bank documents to XXXX as part of their documentation-gathering process so I thought perhaps XXXX had enough information to initiate the refund even without an ACH routing # ), without reply. The wire transfer wasnt ( and has not been ) initiated.
Over the course of the last 4 business days, Ive sent 9 emails and made 3 phone calls, alerting XXXX to the above, and asking for simple clarification on the status of my {$400000.00} ( being blocked from the website, Ive been unable to confirm the existence of the funds ). Ive received no email reply nor call-back, just automated notification once that one of my ( 9 ) emails had been received ( I subsequently received confirmation from customer service dept on a recorded line that my emails and phone messages had indeed been received by the large transfer department, just not returned ).
On Friday, XX/XX/2022, I sent an email including my refund bank accounts ACH routing # with supportive documentation. This wasnt specifically requested by the large transfer dept ( because per above theyve not returned my emails nor calls ), and I dont know if this will be viewed as adequate by the large transfer dept to initiate the refund ( b/c I cant access my deactivated account to enter the refund bank account information on the XXXX website ). Ive asked to speak with other departments ( e.g. accounts, refunds I dont know if they even exist ), and asked to speak with the large transfer departments supervisor, to no avail.
To summarize : On Wednesday, XX/XX/2022 XXXX announced as detailed above it would be issuing a refund ( with my confirmation of said refund issuance requested that same day ). As of today Monday, XX/XX/2022, XXXX has not issued our refund. For a wire transfer refund, per XXXX website, 2-3 days is needed ( which XXXX has exceeded ). Per CFPB regulation 1005.34 ( b ), a remittance transfer provider ( XXXX ) shall refund at no additional cost to the sender the total amount of funds provided by the sender within 3 business days of receiving senders request. Its now been 4 business days since XXXX announced ( with my confirmation request ) a refund would be issued, said refund has not been issued, putting XXXX in violation of CFPB regulations.
In short, our {$400000.00} is being held by XXXX against our will, in violation of CFPB regulation 1005.34 ( b ), at my expense and opportunity cost, with additional opportunity cost accruing everyday. Ive asked repeatedly for simple communication from XXXX to rectify the situation, and received none. Im a XXXX taking care of sick patients every day, and have worked hard and long to save this very large sum of money. On account of XXXX negligent business antics, with the unknowns surrounding our funds, I have become distracted and stressed to the point of illness.
I need help please to resolve this matter.
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| 03/15/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Money was not available when promised
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Web |
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Summary : On XX/XX/XXXX, I used Transferwise ( now Wise ) to make a transfer for {$82000.00} and another XXXX on XX/XX/XXXX for {$95000.00} to buy a house in XXXX, they were unable to complete the transfer after 25 days even though when I set up the transfer their website said it would be done in 3 days, during this time they made multiple claims that the money was already sent, causing my family stress, sleepless nights and we lost the house we were trying to buy, I would like to be compensated for this nightmare, here is the timeline for how this unfolded : XX/XX/2021 - I set up the first transfer for {$82000.00}, Transferwise website says it should be done by XX/XX/2021 XXXX XXXX PST XX/XX/2021 - Transferwise acknowledges it has received my money by email XX/XX/2021 - Transferwise website claims it has sent the money to the recipient in XXXX and should be processed by XX/XX/2021 XXXX XXXX XX/XX/2021 - Money is not in the recipient 's account yet, I called Transferwise, they claim the money is already sent and that I should check with the recipient 's bank, over email they give me a receipt that only proofs they sent the money to their banking partner not to the recipient 's bank so I ask for proof that they have sent the money to the recipient 's bank XX/XX/2021 - Over email they now tell me that their banking partner needs more documents to process the payment but they are finding what documents. I also make the second transfer for {$95000.00} since I have a deadline XX/XX/2021 - They finally get back to me over email with the documents they need to proof source of funds, I send them right away XX/XX/2021 - They asked me for more documents and information they didn't ask for the previous day over email, I again send it right away XX/XX/2021 - I received an email saying they are reviewing the documents and the money should arrive in 2-5 days, meanwhile their website still says the money arrived on XX/XX/2021 XX/XX/2021 - I asked over email if the documents are good for both transfers XX/XX/2021 - They confirm over email that the documents I sent apply to both transfers and they should arrive around the same time XX/XX/2021 - I'm getting pressure from the house builder to receive the payment, I ask Transferwise for an ETA and their baking partner contact information, they refuse to provide either XX/XX/2021 - Transferwise claims the transfers have been released with the documents I provided and they are processing the payment, I called them to try to get a proof of payment, I later received an email saying they are working on getting it XX/XX/2021 - I call them again to get an update, they promise one over email right away I get nothing XX/XX/2021 - I call them again to get an update, I get one over email saying the funds are not released like they claim 3 days before and they are still processing the documents I sent XX/XX/2021 - They send me an email asking for more documents and information to release the funds, I send the documents and information right away and they confirm they received it XXXX I email them again to ask for an update, they say they don't think they will need more documents and that they are processing the transfers XX/XX/2021 - Transferwise cancels my transfers, I call them immediately to find out what happened, apparently it took the so long to process them that their system canceled them automatically. The agent I talk to says he believes it should be quick now and I should resubmit, I tell him I need this done by XX/XX/2021 or I want my money back and get compensated for this nightmare since the house builder is not waiting any longer XX/XX/2021 - I get an email claiming the transfers will be done by XX/XX/2021, I go to transferwise website and it says they will be done by XX/XX/2021 XXXX XXXX XX/XX/2021 - The money hasn't arrive yet, therefore I ask for my money back, they say they are going to send the request but they don't know if they are going to be able to cancel it even though the recipient hasn't receive the money yet XX/XX/2021 - I call again to try to find out if the transfers are already canceled, they are unable to give me a definitive answer XX/XX/2021 - I call them again for an update, they now tell me it's unlikely the money will be sent and I should receive my money back in a few days, no promises or definitive answers. Later that day XXXX get an email asking me to set up the account to get the refund but still they don't promise anything XX/XX/2021 - I finally get my money back, I only found out by looking at my bank account, no heads up or anything from Transferwise
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| 06/28/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Money was not available when promised
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Web |
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We have been a victim of ongoing deception and wire fraud committed by a money transfer company, called Wise ( formerly known as, TransferWise ), in XXXX. From around middle of XXXX, to middle of XX/XX/2021, my client sent a total of XXXX XXXX dollars by wire transfer through Wises XXXX office to my business bank account here in USA, as a partial payment for my consulting services for business management and new investment.
Unfortunately we have been deceived and defrauded by their XXXX office over and over again as they gave us false wire transfer records several times, over the last 4 months, indicating that the wire transfer was completed or would be completed on a certain date and time. Finally, at the request of my client, XXXX police investigated Wises wire transfer records, in XXXX, 2021, and found that they gave us all fake documents claiming the wire transfer was sent or completed. Actually they never sent any wire to my bank account. So the police arrested the office manager and some staff involved in this massive wire fraud and scam, and put them in jail.
Being frustrated, I contacted Wises customer service at : XXXX, on XX/XX/2021, and requested them to investigate the matter and complete our wire transfer that was long overdue. Initially their customer support team was very responsive to enquirer the wire fraud issue in their XXXX office. Later one customer service official demanded that they needed my senders bank records as a proof of payment, otherwise, they could not move forward with their enquiry. I said, we have receipts for payment and Wises XXXX has all our payment records, and there was no disagreement between the sender and Wises staff regarding the date and the amount of payment they received from the sender. I added that if they had honest intention to resolve the issue without further delay, they could contact their XXXX office and readily verify the information I provided to them about date and amount of payment made to Wise.
However, as they insisted, I convinced my client to send to them their bank records showing the date and amount of payment. My clients accountant sent their bank records directly to Wises customer service by e mail, on XX/XX/2021, as they requested. Since then Wises customer service team remained silent, and they even did not respond to my repeated e mail request confirm, if they had received the senders bank records. My last message to their customer service was on XX/XX/2021.
At that time, my client was preparing to file claim against Wise in XXXX XXXX, against Wise, and report their fraudulent business practices to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that regulates Wises business practice in XXXX to protect the consumers interest.
At that point, the new office manager of Wise, proposed to complete the wire transfer in question on XXXX XXXX XXXX, 2021, and requested us not to file law suite or report to XXXX. We gave them a chance again to resolve the wire transfer issue, but again, they played the same game, they did not send the wire on XXXX as the new manager promised. Then my clients account manager went to Wises office there, to check about the status of the wire transfer. At that point, new manager said, the wire was on the way, and he gave us a new print out of wire transfer record showing the wire would be delivered to my bank, on XX/XX/XXXXXXXX XXXX 2021, at XXXX XXXX. EST. Toddy is XXXX XXXX XXXX, 2021, still no wire transfer was received by my bank.
Their shameless acts of ongoing deception and wire fraud, defy all norms of human behavior. Enough is enough. We wont wait for their mercy to send the wire after 2 more weeks, as we will be proceeding to pursue all legal courses available to us to recover our XXXX XXXX dollars plus our huge damages caused by their relentless act of deception and fraud. We will hold Wise fully responsible for being complicit with their criminal staff in their XXXX office, come what may.
In any event, for your convenience, I am giving you Wises contact information as follows : 1. Wise, XXXX XXXXXXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX XXXX XXXX E Mail : XXXX 2. Wise, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX, USA Phone : XXXX E Mail : XXXX 3. Wise Head Quarter Office XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX.
Phone : XXXX XXXX E Mail : XXXX XXXX
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| 08/26/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Other transaction problem
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Web |
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Preface : I am a US citizen and my wise.com account is linked to my US citizenship. I attempted to transfer money from my joint XXXXXXXX XXXX account to my wise.com USD balance so that it could then be distributed appropriately to multiple XXXXXXXX XXXX accounts.
XXXX XX/XX/2023 : Initiated a wire transfer of XXXXXXXX XXXX to XXXX USD from my XXXX XXXX account to the USD balance of my wise.com account.
XXXX XX/XX/2023 : Wired funds following wise.com 's instructions to at my XXXXXXXX XXXX XXXX branch and was given a proof of payment.
XXXX XX/XX/2023 : Received correspondence from wise.com that my transfer was cancelled but was given no reason why. I confirmed that the money was returned to my bank account and believe that my bank XXXX flagged the transfer for fraud purposes and returned the money.
XXXX XX/XX/2023 : Reinitiated the transfer. This time my joint account holder, who's information was provided when I originally initiated the money transfer, went to the XXXXXXXX XXXX branch and wired the money, also following wise.com 's instructions.
XXXX XX/XX/2023 : Received an email that wise.com has received the money but could not confirm that the funds came from me. With a link to correct the issue. I logged into my wise.com account, uploaded a picture of the proof of payment from the local bank to prove that I was aware and involved in the transfer.
XXXX XX/XX/2023 : Received an email that the documentation provided was insufficient and was instructed to log in to fix the issue. I logged in and cancelled the money transfer through the wise.com website.
XXXX XX/XX/2023 : Received an email that the funds need to be returned, and to log into my account to provide information of the account to which the funds should be returned.
XXXX XX/XX/2023 : Still had not been issued a refund, so called wise.com customer support. to see why it was taking so long. Was advised that bank transfers take 0-3 business days to complete. The customer support representative told me that the details provided for the refund account did not match the details of the proof of payment that I had provided.
XXXX XX/XX/2023 : Received an email from XXXX of the wise.com support team that I need to upload my proof of payment documentation on the wise.com website.
XXXX XX/XX/2023 : I uploaded a copy of the proof of payment from the XXXX bank.
XXXX XX/XX/2023 : I received another email stating that wise.com stating that they need to issue a refund and to log into my account to fix the transfer.
XXXX XX/XX/2023 : I logged into my account and uploaded the required information of the bank account for the funds to be returned.
XXXX XX/XX/2023 : Still had not received the funds after the promised 0-3 business days, so called wise.com customer support line. Was told that the previously submitted information was not received by the back end team and blamed a fault in the computer systems.
XXXX XX/XX/2023 : Received another email that wise.com need to refund money. Clicked the link and provided the refund bank details that match the proof of payment of the wire transfer.
XXXX XX/XX/2023 : Two hours after submitted the acount details, received another email from wise.com saying that they need to issue a refund. I called customer support and asked to be given information why the details I have been submitting online are being rejected and that I am receiving new requests for information. I was told that they are not given that information from the back end team. I asked to speak to a manager many times but was told that none were available, they were all in a meeting and that the customer support representative had the same information and power as the managers. I asked on multiple occasions to provide information as to why my information that I submitted was being rejected and was only told that it needs to match the proof of payment ( which I checked many times to ensure they were the same ). While on the phone with wise.com customer support, I submitted the information online and asked the representative if he could see it and he said he was not able to see that information. I was told to be patient and that the funds would be returned.
XXXX XX/XX/2023 : I have heard nothing from wise.com and the funds have still not been returned to my account.
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| 11/04/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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Web |
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On XXXX XX/XX/2020 I processed a transaction to purchase a vehicle on the XXXX website for {$9300.00} AUD ( $ XXXX ). I used TransferWise to transfer the money to vendor as I was using money from my XXXX Bank Account. I am an XXXX on an XXXX assignment in the USA so most of my funds reside in XXXX bank accounts. Ultimately the website is an elaborate scam which the XXXX has failed to shut down even thou it has been known to be a scam for a number of years. Key points are : The Bank the money was transferred to was CFSB. I reported the scam to CFSB however CFSB did little more than advise that the account was a Transferwise account, and I should follow up with the police. They did not appear to take any action to recover the money.
I reported the incident to the FTC and IC3 but there was no response from either of these bodies and it is not possible to follow up on a complaint that is submitted.
I followed up with Transferwise who confirmed that the money had been transferred to another Transferwise account and that this account had only just been set up and had no previous transactions. It is unclear what measure Transferwise took to recover these funds.
The vendor had advised there had been an issue with the transaction and the money had been returned to my account however it did not appear in my account. I advised Transferwise of this. Transferwise continued to delay taking any action saying that it could take a long time for this money to appear even the money transfer was between 2 of their own accounts.
I requested Transferwise refund the funds as I believe that as a provider of money handling services, they do not have appropriate checks in place to alert customers of a possible fraudulent transaction. This is based on the following : o The transfer was from one Transferwise account to another Transferwise account. These accounts are specifically set up to move money around the world not operating bank accounts. This should have immediately raised a red flag especially as Transferwise would have had full visibility of this. At this point I would have expected Transferwise to alert me to the fact that the funds were going directly to another money transfer account and not an operating bank account. Basically, the transaction was looking suspect at the outset.
o The account had only just been set up and there had been no transactions o Transferwise inferred the money exited in the XXXX. Again, I would have thought that this would raise a flag where someone is using Transferwise to pay someone in the US but the money does not going into a US bank account, instead being directly transferred to an off shore account.
o Transferwise by their own admission have taken steps from this happening to others which appears to be admission that there were some gaps in their process.
Transferwise have this in their standard terms and conditions - " 21.1 We are responsible to you for foreseeable loss and damage caused by us. If we do not reasonably meet our commitments to you, we are responsible for loss or damage you suffer that is a foreseeable result of our breaking this contract or our failing to use reasonable care and skill. We are not responsible for any loss or damage that is not foreseeable [ ... ] '' I believe in todays world where banks are expected to look for suspect patterns and alert their customers that this was a foreseeable event and that Transferwise should have alerted me to and are liable to compensating me for my loss.
In todays world there is an expectation that banks have automatic checks running full time to look for patterns that look suspect. I know that my banks definitely do and I regularly get alerts from them of transactions that look way less suspect than this. In many cases they are fine but for me it is my expectation that my bank alerts me to anything that remotely looks suspect. Transferwise obviously do not feel that this a requirement of them even thou they are handling other peoples money. This company appears to have provided the perfect platform for criminals to fraudulently take peoples money and move it around the world in a relatively untraceable manner with limited or no checks and balances to alert people of potential fraudulent activities.
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| 12/24/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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Web |
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Hi, I have two problems with my checking account. I was here in the US ( XXXX ) for a holiday and have a multi currency with Wise ( US ). And as of right now, I have a negative balance of {$190.00}.
XXXX. XXXX XXXX XXXX I have 2 orders with them, XX/XX/2022 with {$620.00} and XX/XX/2022 with {$270.00}. On the day of these purchases, those amounts were rightfully charged on my checking account.
As of XX/XX/2022, after safely arriving in XXXX, I checked my bank account and all the figures were deducted weirdly. I had about $ XXXX {$400.00}, i'm not entirely sure on the specific amount, the bank should be able to track that - in my account as of XX/XX/2022 and my last transaction authorised with Wise was on XX/XX/2022 which is services in flight for an amount of {$3.00}.
XX/XX/2022 - {$96.00} XX/XX/2022 - {$96.00} XX/XX/2022 - {$170.00} XX/XX/2022 - {$300.00} I immediately contacted Wise to check on these transactions and why it was so wrong, and caused a negative amount. Was told to contact the merchant, which I did, talked to a XXXX XXXX, and she first said that it was a problem because I am overcharged, then put me on hold and them kept insisting that nothing was wrong and also, said that I was actually overcharged because of the discounts/promo codes that should have worked. But chose to not refund. They say it was a pre-authorised charge but it was stated that. It was a final charge.
And they got back to me via email saying that the charges was based on fulfilment. That should total to {$400.00}. But also, this amount was completely wrong.
Now because of their incompetence, this has caused a negative balance that they are choosing to not to dispute.
Wise is taking way too long in trying to fix the dispute. When I got back to them, after mentioning about contacting the merchant especially if merchant is uncooperative with settling the matter, they said they would refund under the bank, I filed dispute thrice. As of today, still nothing.
Wise XXXX close my account if it stays negative but at the speed they're moving to resolve this - I'm worried that it will eventually be closed down.
XXXX. XXXX XXXX I ordered XXXX XXXX products on XX/XX/2022, under my sister 's name and email for an amount of {$210.00}. As of XX/XX/2022, there wasn't any updates at all. I contacted them via the online form, and they replied that it can't be cancelled and refunded as it is being processed. On the site/email, they did mentioned on updating customers on the processes upon item delivery. But they failed to do so.
After emailing them with proof that, that was what their site says, as in the time frame of XXXX to XXXX on XX/XX/2022, they then stayed XXXX and XXXX at XXXX on XX/XX/2022, I received an email that stated : " Your order was processed and a tracking link created on XXXX. The tracking information is not sent to the customer until scanned by XXXX.
XXXX XXXX Priority Mail Thank you, XXXX XXXX XXXX '' in which I responded to : " Hi, You guys rushed the order as of XXXX today. I saw it. No worries I have updated the bank regarding an unco-operative merchant and consumer affairs court as to this issue especially because you guys decline consumer 's request on cancellation and refund when you basically were XXXX in XXXX process of ordering.
Apart from that, there is a whole website thread on you guys doing repeated mistakes on the shipping end. I submitted this link to the bank and court as well. In case you would want to read it up : XXXX XXXX XXXX XXXX. '' When I received the parcel, it was on a 2-day Express shipping. They did that on purpose so I couldn't receive my money back and also, would have to pay for returns.
The bank was being reported on this matter too. Also, about XXXX XXXX, as the site above, alot of customers face the same problems. They also do not have free returns, I had to pay an additional {$15.00} to have it returned to XXXX XXXX.
They basically lied about my package and tho when you clicked the tracking shipment, it shows that it was first processed on XX/XX/2022, they did not update me on anything.
If they are so innocent and did nothing wrong, why did they post my parcel on a 2 day Express shipping?
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| 09/26/2023 |
No |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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Subject : Urgent Appeal for Account Reactivation - Wise Bank Issue To Whom It May Concern, I am writing this appeal with utmost urgency to address a pressing matter regarding my business account with Wise Bank, formerly known as TransferWise. The account details are as follows : Name : XXXX XXXX Company Name : XXXX XXXX XXXX XXXX No : XXXX ITIN : XXXX Wise Email : XXXX Member ID : XXXX The sequence of events that led to this appeal are both distressing and disruptive to my business operations : Initial Account Setup : I initially opened a business account with Wise in XXXX in the name of my company, XXXX XXXX XXXX XXXX headquartered in the United States XXXX
Critical Business Operations : My business relies heavily on receiving payments from XXXX, and my Wise account has served as a vital deposit method for these transactions. Additionally, I have consistently used this account to pay suppliers for XXXX XXXX.
XXXX Expansion Effort : In XX/XX/XXXX, with aspirations of expanding my business to the XXXX XXXX, I applied to register a business account with Wise to support my XXXX operations. Importantly, I wish to clarify that my intention was never to establish a XXXX account but to maintain my XXXX account exclusively.
Unforeseen Account Deactivation : To my profound dismay, Wise not only rejected my application for the XXXX business account but also unexpectedly deactivated my existing Wise account in the XXXX on XX/XX/XXXX.
Dire Consequences : The sudden deactivation of my Wise account in the XXXX had dire repercussions for my business. XXXX, a primary source of income, was unable to send payments to my account. Moreover, per XXXX 's policy, the suspension of my bank account posed a serious threat to the status of my XXXX account, potentially leading to suspension.
Full XXXX and Appeal : In a determined effort to rectify this situation, I promptly and wholeheartedly cooperated with Wise, providing all requested source of wealth documents to establish the legitimacy of my business and financial transactions. Despite my unwavering cooperation and the undeniable authenticity of the submitted documents, Wise regrettably rejected my appeal and permanently closed my Wise account.
This unfortunate sequence of events has caused not only financial distress but also profound hardship for both myself and the ten individuals and their families who rely on my business for their livelihoods.
In light of this dire situation, I urgently appeal to you for immediate intervention. I beseech Wise Bank to reconsider their decision and promptly reactivate my XXXX account ( account details provided above ). Furthermore, I would like to reaffirm that I do not desire to proceed with opening a XXXX account.
The resolution I earnestly seek is as follows : Immediate Account Reactivation : The prompt reactivation of my XXXX Wise account is crucial to ensure the uninterrupted flow of XXXX payments and supplier transactions that are pivotal to my business.
Prevention of Future Disruptions : I also request that Wise takes proactive measures to prevent any future disruptions to my account, ensuring the stability of my business operations.
Transparent and Responsive Communication : Establishing clear communication and efficient support channels will be essential to address any potential concerns in a timely and effective manner, mitigating future challenges.
The gravity of this issue can not be overstated, as the livelihoods of many individuals are at stake. I appeal to your sense of justice and fairness in this matter and sincerely thank you for your immediate attention and understanding of the urgency of this appeal.
Should you require any additional information or documentation to facilitate the resolution process, please do not hesitate to contact me at XXXX.
I wholeheartedly appreciate your prompt attention and assistance in resolving this matter.
Sincerely, XXXX XXXX XXXX XXXX
|
| 02/23/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I have a personal account with payment system Transferwise Inc. which is a remittance transfer provider licensed under US law ( please see : https : //transferwise.com/us/state-licenses ).
On XXXX XX/XX/2021 I created a transfer in the Transferwise system for an international transfer of the amount of XXXX USD to my account with XXXX ( XXXX ) in XXXX. According to the information provided by Transferwise on the date of transfer, the money should have reached XXXX on XXXX XX/XX/2021. The funds were wired via Transferwise partner bank XXXX XXXX XXXX.
On the following day, XXXX XXXX, I saw information in the Transferwise system that my transfer has been executed and money has been wired.
On the XXXX XX/XX/2021 funds still had not reached my account with XXXX, therefore I contacted Transferwise customer support for the first time and requested update on the status of the remittance transfer. Transferwise customer support provided me with a SWIFT payment confirmation and told me to ask XXXX to search for the remittance transfer in their system.
However, when I approached XXXX, they could not locate the remittance transfer specified in the payment order, because they had not received it.
After noting that the SWIFT message contains another XXXX bank XXXX XXXX XXXX ( XXXX ) as intermediary bank, I approached XXXX XXXX XXXX main office. They also checked the payment order in XXXX system, but they were not able to find my funds either.
After that, on XXXX and XXXX XX/XX/2021 in several emails and phone calls I asked Transferwise customer support for more details about my remittance transfer, but they ignored my questions. One of the Transferwise customer support operators informed me that Transferwise would only start to look for my money after 21 days after the remittance transfer date have passed.
Meanwhile, my bank - XXXX - advised me to check the payment reference number specified in the SWIFT message in the XXXX XXXX XXXX XXXX XXXX XXXX which is a publicly available database where anyone can check the status of their payments.
In the XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows that my remittance transfer was rejected by XXXX XXXX XXXX on XXXX XX/XX/2021, i.e. it never even left XXXX XXXX XXXX XXXX!
In addition, XXXX informed me that the banks specified as Intermediary banks in the SWIFT message - XXXX XXXX XXXX and XXXX XXXX XXXX - have no correspondent relations with XXXX.
Thus, it appears that Transferwise payment order which they submitted to XXXX XXXX XXXX with regard to my remittance transfer was erroneous because it stated wrong correspondent banks, and it was rejected on the day of submission XXXX XX/XX/2021.
On XXXX XX/XX/2021 I informed Transferwise about the fact that, according to the XXXX XXXX XXXX XXXX XXXX XXXX, my payment had been declined on XXXX XX/XX/2021.
Unfortunately, as of today, XXXX XXXX, despite several phone calls, Transferwise has not provided me with any substantial update regarding my matter! For more than a week, Transferwise customer service keeps telling me that they are still setting up trace with XXXX XXXX XXXX regarding my remittance transfer and that I have to be patient.
Firstly, I believe that the above mentioned actions are either ( a ) an incident of gross negligence as regards dealing with customers ' funds by Transferwise and/or XXXX XXXX XXXX, or ( b ) may be an indication of illegal actions by Transferwise and/or XXXX XXXX XXXX with my funds.
Secondly, it is totally unacceptable that my funds was never sent as requested, and Transferwise refuses to investigate this issue before the expiry of 21 business days. I know that under US federal law, if I used a remittance transfer provider to send money abroad ( which I did ), I have the right to have the company investigate errors and tell me about the findings. The refusal by Transferwise to start investigating my issue immediately contradicts the law.
|
| 11/17/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
XX/XX/XXXX US {$9500.00} sent to Transferwise via international wire transfer as requested by Transferwise, for Transferwise to transfer funds to another account abroad.
XX/XX/XXXX - Transferwise confirms they received funds, stating fund will be delivered by XX/XX/XXXX - Transferwise sent a second message confirming funds will be in the recipient 's bank account on XX/XX/XXXX - Transferwise sent a third message stating there was a problem in the recipient 's bank account : " It could be closed, holding a different currency, or blocked from receiving money completely. Because of that, your money was sent back to us. To fix your transfer, you can either : Change your recipients bank details and send your money to them again. You can try with the same details again. Cancel your transfer and get a refund ''.
- Transferwise sent a fourth message stating : " funds bounced back after we sent it out. It appears that the recipient account is blocked. We sent you a self-service email asking you to fix the transfer. You can refer back to the email and provide us the correct recipient account details, or cancel and refund the transfer ''.
I immediately reviewed the recipient 's account information, corrected any mistake it showed, and requested money to be deposited ASAP.
XXXX - Transferwise sent a message stating : " your money is on its way. The money should be in the bank account by tomorrow, XX/XX/XXXX.
- Transferwise sent a message stating : " Your recipients bank has returned your money to us again. So weve had to give you a refund ''.
At this time recipient personally went to the bank for clarification, and the bant manager clearly explained that no funds were ever received or attempted to be delivered to the recipient 's account, that Transferwise was lying when stating the recipient 's bank returned funds to them.
- Transferwise sent a new message stating : " Please add your USD bank details so we can give you a refund ''.
I immediately provided XXXX XXXX details to get a refund.
Transferwise sent a new message stating : " I checked your transfer and can see that it bounced back to us a few times because your recipient 's account is blocked. This means that your recipient 's account is closed or not able to receive the funds, that is why it bounced back to us.
If transfers bounce back to us two times, our system will automatically cancel it and issue a refund. We are now requesting for you to complete the refund process by entering in your bank details.
You can click on this transfer on your account or use this link here to complete the refund.
We can not send the transfer again because it has already failed two times, unfortunately. As you sent the funds to us via bank transfer, your bank charged a fee from their side, which we can not refund. You would need to reach out to your bank regarding the fees they charged ''.
This was the first time they addressed the issue around fees paid to bank abroad to transfer funds to Transferiwise account in the USA. They made it clear, and they do not take any responsibility for such fees.
Once more, complete details for the original bank account from where funds were taken by Transferwise were provided, requesting Transferwise to immediately refund them.
XXXX - Transferwise sent a message stating : " Your transfer has been canceled.
So weve refunded XXXX USD back to your bank account. You should have it in the next 13 working days ''.
After sending new messages to Transferwise, they stopped answering. It has been three weeks since Transferwise got my funds, lied about the recipient 's bank rejecting them, and continue to keep these {$9500.00} instead of refunding them to the sender 's account. I do not know what else to do, since it is unacceptable for this company to take and keep so much money so easily, lie about it, and refuse to refund it. Please help.
|
| 09/10/2023 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
I am submitting a complaint for 3 transactions that my company has done through an online Payment Platform Wise.
The basics of the complaint are as follows. My company purchased a XXXXXXXX XXXX XXXX from XXXX XXXX XXXX in XXXX California. As I was in the United States at the time I was making the payment I was unable to have XXXX XXXX wire the funds to the auction since they required me to physically visit a branch to do so. I was told to use a company called Wise to do the transaction by a friend as they had used them previously and had an option for me to be able to make the payment from the United States.
In order to do so I had to create an account with Wise and verify my company as well as myself as a XXXX through their online process. Confirmation of my business being verified was sent via email from Wise on XX/XX/2023. I then had to split the payments up into 3 separate transactions as XXXX only allowed me to interact e-transfer of XXXXXXXX CAD in one 24-hour period. These transactions were done in the following denominations XXXX, XXXX, and XXXX which were all posted to my XXXX account on Tuesday, XX/XX/2023.
The wise website showed that they have received all three payments and they sent one of the payments to XXXX for {$18000.00}. The dates that the Wise portal provided for when the wire would be sent for the other 2 payments had changed and I called them numerous times to get more information and was not given any information. Then my account was closed and I was instructed to do an appeal which they said would take 20 days. This happened now almost 2 months ago and I have not been able to receive my money back from them in regards to this matter. I also provided them with the bill of sale I had received for the vehicle that I was purchasing from XXXX XXXX XXXX ) As per their instruction, I have provided my account information as well as the 3 separate confirmation screenshots for the e-transfers. After speaking to my bank they had mentioned that this is financial fraud since they had taken my money under the pretense that they would provide me with a service ( the wire to XXXX XXXX XXXX ) and are refusing to send me my money back.
I am still out over XXXX CAD, had late payments assigned by XXXX as a result of the payment not being sent from then, canceled flights to California to pick up the vehicle as well and my business buying ability locked nationwide by XXXX for the delay in payment, In addition, I had to stay in the united states for a much longer duration of time than anticipated which was an additional hindrance on my finances as well as my ability to earn an income when my buying ability was locked at the auction. I have also incurred fees over the last 2 months for this vehicle and essentially had to pay for it twice.
As wise had completed one of the three transactions there should have been no reason for them to not process the other two. I have provided my company details, banking info, personal information, and screenshots of the transactions multiple times. my to them for months and everything that they asked. As well they had violated many of the terms and conditions on their own website which would essentially be a second fraudulent incident.
I have included some of the information I have below for Wise to assist you in the complaint. The company has various offices worldwide including one in XXXX and the United States.
Transfer 1 - ( XXXX XXXXXXXX ) {$18000.00} USD completed Transfer 2 - ( XXXX XXXXXXXX ) canceled by wise ( XXXX USD/ XXXX CAD ) Transfer 3 - ( # XXXX ) canceled by wise ( XXXX XXXX CAD ) appeal case number - XXXX - appeals @ wise.com XXXX ( this email I have been in correspondence with regarding the refund ) Was speaking with XXXX.
Wise Phone number XXXX Address for Wise in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX
|
| 12/07/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
- On XXXX XXXX I wired {$5900.00} from my XXXX account to my wise.com account. Wise is a service that allows you to send and receive money similar to XXXX. They had a partnership with XXXX XXXX XXXX XXXX to provide USD accounts to their customers. This partnership recently ended and with that, the USD account details used for wires also changed. Wise only sent an email to notify their customers about this change which is incredibly lazy and disappointing. No text message or phone call.
- I wasn't aware of this change so the wire was sent using the old USD account details and the money went to XXXX XXXX after their partnership with Wise had ended.
- I contacted Wise to figure out why my money hadn't arrived in my account yet. I later got an email explaining the USD account changes. The email also said I'll get a refund in 1-2 business days. So I waited 2 days but still nothing. I contacted Wise again and they said the information within the email is inaccurate and it can take 5-10 business days to get the money returned. So based on this new information, I decided to wait the full 10 days hoping my money will be returned.
- In the meantime, I reached out to XXXX XXXX to explain the issue to them. I provided them the details of the transaction and they said they will look into it. This was on Wednesday XXXX XXXX
- On Tuesday XXXX XXXX I got an email from XXXX informing me that the wire has been returned. The email also included an IMAD number to provide to XXXX so they can track the return. It explicitly said it was returned on XX/XX/2023. I submitted this information to XXXX and asked them to keep an eye out. After waiting an entire day and still seeing no money returned I called XXXX to inquire about any updates. They told me the XXXX number XXXX provided is the XXXX from the original outgoing wire and that XXXX should provide a valid XXXX for the return.
- At this point, I'm telling myself I don't know how any of this works and I simply just want my money back. On Thursday XX/XX/XXXX, I reached out to XXXX again and explained that the XXXX they provided in the email is the XXXX from the original outgoing wire. I was then put on hold for a while a told I will get a call back in a few hours with a new XXXX. I got a call a few hours later and was provided with a new XXXX. But it turns out the wire was returned Thursday XX/XX/XXXX and not XX/XX/ like the email said. So I wasted two days thinking the return was on it's way when it was not.
- I provided this new XXXX to XXXX and asked them to look into it.
- The next day, I reached out to XXXX again after checking my XXXX account and still seeing no money returned. They just kept telling me the new XXXX they provided is proof they have returned the wire and then hung up on me.
- On Monday XX/XX/XXXX, I reached out to XXXX again after checking my XXXX account and still seeing nothing. This time they said it can take 3-5 business days for the return to arrive. Even though I had been more than patient already, I decided to take their word for it and wait.
- On Wednesday XX/XX/XXXX, XXXX informed me that the new XXXX XXXX provided is invalid and they should provide a valid one so they can track the return.
- I then sent a detailed email to XXXX describing everything that's happened so far and demanding answers. I got a response saying they've forwarded my email to their Consumer Affairs Team for further review. That is the last response I got from them.
- It is now Thursday XX/XX/XXXX and still no money returned to my XXXX account.
- I am requesting for Wise and XXXX to work together to get my money returned. This issue has caused serious damages to my livelihood. The way Wise has handled this is extremely disappointing and frustrating. I have been misled several times with wrong or false information and my patience has run out.
|
| 10/01/2023 |
No |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
|
On XX/XX/2023 a transfer of {$42000.00} USD from my XXXX XXXX XXXX was created via Wise, ( formerly known as TransferWise ). The transaction was an exchange & transfer for {$42000.00} USD to {$54000.00} CAD. The final destination was supposed to be my XXXX bank account at XXXX.
The money was received by Wise from my XXXX XXXX XXXX without any issues. The issues began when it came time for Wise to send the funds my XXXX XXXX account. The first attempt bounced back due to an error in the account information/transit number. I corrected the details and submitted the changes. Later, I received an email stating : " As we did not receive any input, we had to send the money again to the recipient. '' Several days passed and the money was still not in my account. Concerned, I called Wise to see if they could tell me what was going on. They said it could take up to XXXX days, and if the funds still didn't appear they should bounce back by the XXXX day.
14 days later, the funds were still missing from my account. After speaking with numerous Wise representatives via phone and email, it became apparent that the money was missing and Wise could not locate it. Each representative I spoke to over the phone gave me different information. Even my communications with them over email were confused, and being answered separately by different representatives.
By this point Wise started putting the blame on the receiving bank, despite Wise being the last one to touch the funds. I went to my XXXX XXXX ( XXXX ) in hopes they could help me track down the funds. They were provided with the transfer receipt which had all necessary tracking information, but still could not find any record of the transfer.
The next step toward getting this resolved was to have Wise escalate my case internally. I provided them with all of the necessary information. Bank statements proving the funds were never deposited with dates, account number, full name, etc.
Even after my case was being escalated, I was given no reassurance that the issue would be corrected. Instead, I was told that if the funds could not be found within 30 days the case would be closed and that I would lose the {$42000.00} USD.
As things became increasingly more worrisome, I got in touch with the original sending bank, my XXXX XXXX XXXX. They disputed the transaction and {$42000.00} was put back into my account.
At this point I thought things were resolved after the 30 days passed without any communication from Wise regarding my case. The only piece of communication I did receive during this time was an automated email stating I owed Wise the transfer fee because it was " successful and received ''.
Unfortunately, an additional XXXX days later Wise reached out via email stating the funds were still missing. They told me the money that was put back into my XXXXXXXX XXXX XXXX account was theirs and I would be held liable to return it if they were unsuccessful in finding the lost funds. This well beyond the 30 days given to me.
As of writing this, the money has still not been located. I sent a whole new set of statements from XXXX to present to prove the money was never received. They continue to tell me I need to connect with my receiving XXXX XXXX, which has already been done numerous times without any success. They refuse to take any responsibility for losing my money, and have created an even more stressful situation.
Throughout all of this I did some research on Wise. It turns out I'm not the only one who has experienced this exact situation. Several others reported that after complaints were submitted against Wise, their money was " found '' shortly after. From what I was able to gather, it would appear these issues started becoming more prevalent after TransferWise was changed to Wise.
|
| 01/26/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Confusing or missing disclosures
|
|
Web |
|
|
Bank : Wise Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX United States Prepared by Wise US customer XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2024.
Brief description : Wise bank does not provide customer with the sending bank information in multicurrency bank transfer in their systems. This was a bank transfer initiated in Wise System that intended to capture funds in Eur currency from a bank in XXXX and send them to Wise US bank account ( XXXX currency denominated ). By error, the customer entered in Wise system as destination bank the bank account details from the bank account in Eur currency in XXXX. As a result of that, the customer had the error of sending funds to the same sending bank ( From bank account ), instead of sending them to my Wise US bank account. This error could be remediated if Wise made an improvement in their systems to facilitate a field to be completed by customer with sending bank account information.
Further analysis provided Issues observed in the Multicurrency transfer module : 1. Lack of control mechanism at Wise to avoid sending a multicurrency wire to the same bank account of origin, which obviously carry unnecessary fees, losses in currency exchange and do not provide the service to the customer 2. More transparency for the customer of the complete flow of the multicurrency wire, adding the bank account FROM to the beginning of the tracking documentation for the wire.
3. Wise just has a reference number to locate the funds sent by the customer. This could be improved if the customer entered the bank account information from where he/she is going to send the original funds to be converted and transferred later.
Request for improvement : Add a control where FROM and TO in a multicurrency bank transfer can not be the same. These are the steps of improvement 1.Ask customer to enter the bank details of the FROM bank account 2.Provides customer a complete flow of the transfer including the FROM details. Currently Wise program just says the customer needs to wire the funds from his bank account, but do not collect those data points at the beginning.
3.Wise sets a control that FROM and TO account can not be the same.
3.Alert the customer of the issue, rejects executing the order and advise of the proper way to enter the TO ( Destination ) bank account.
Advantages : 1.Avoid future customers to have the same unfortunate error that me 2.Make for Wise internally easier and more effective to reconcile original bank transfer from customer as in addition to reference number that could be not provided by customer in the wire description field, Wise will have all bank details from customer original wire.
3.Provide a complete visibility to the customer with the original banking details ( the FROM account ) to the current tracking system in Wise.
4. Better customer protection and compliance with Bank Regulators. In my case, as a Wise US Account holder at New York it would be CFPB, FDIC, anti-money laundering and XXXX internal controls ( XXXX ) mainly.
Consequences of not doing anything and considerations : 1.Other customers can fall into the same error and the Wise system would not alert them. This could lead to potential claims, customer frustration and erosion of customer base. On top of potential reporting issues to Regulators that could result in fines and losing the banking license of Wise in foreign countries.
2.The fixes requested are not difficult to implement and any customer is accustomed to enter or see the FROM or original banking details when ordering any wire, so little customer resistance is expected. Finally, it would provide savings in the Wise bank operations team reducing time in reconciling wires and probably further enhance the use of automation for this process.
|
| 05/20/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Problem with customer service
|
|
Web |
|
|
I transferred money from my XXXX to my Wise account. XXXX claims the money was transferred and received. Wise claims the transfer was canceled. But my money was not returned to XXXX if canceled, and Wise has not credited the transfer to the account. XXXX claims no mistakes were made on their part. That leaves Wise receiving my funds and not crediting them to my account.
Wise required proof of payment from XXXX. I submitted my XXXX XXXX statement. This was not acceptable proof. This information from XXXX should serve as proof. My complaint to CFPB against XXXX. They have cleared their end of this transaction. This still leaves me missing my funds which Wise claims was cancelled and never deposited. See CFPB Complaint : COMPLAINT ID XXXX SUBMITTED ON XXXX PRODUCT Money transfer, virtual currency, or money service ISSUE Other transaction problem Response from XXXX Bank Thank you for bringing this issue to our attention. Based on what you've told us, it seems that you were expecting a withdrawal from your XXXX account to be deposited into a personal external account, but you haven't received the funds yet. Our investigation shows that you opened an account with us on XXXX. On XXXX you contacted our customer support via mobile chat about a withdrawal of {$1800.00}, and our support agent informed you that it was debited from your account on XX/XX/. On XX/XX/, you reached out to our support team again via mobile chat and reported that you transferred money to your Wise account, but the funds never arrived. Our agent filed an ACH dispute on your behalf that same day, and the dispute information was forwarded to our ACH dispute agents for investigation. On XXXX you forwarded an email from Wise to our customer support, stating that your transfer of {$1800.00} USD to EUR had been canceled and the funds were not received. Our support agent provided you with your XXXX account statement, and our dispute team concluded their investigation, finding no error and informing you of this outcome on the same day. We provided you with the following information in our decision : XXXX XXXX ; Billing name and address match. Prior history with recipient. No ACH returns ; the XXXX number shows that funds were successfully deposited into the receiving account. Unfortunately, we are unable to issue a credit to you as a result of our investigation. Upon receiving your complaint, we reviewed your deposit settlement issue and confirmed with our partner bank that the funds were successfully deposited into the account you selected when you initiated the withdrawal. On XXXX our compliance agent provided proof of payment for the disputed transaction via email. We also received documents from you showing that a {$1800.00} USD to EUR transaction was canceled, but there is a discrepancy in the amount compared to the disputed transaction. We do not have evidence of an additional transaction in this amount debited from your account. Therefore, our decision of no error found remains the same. If you have new evidence to support your claim as it relates to a transaction for {$1800.00}, please submit it to our customer support for further review. If you have any questions, please don't hesitate to reach out to us at XXXX customer support.
Wise has not accepted any documentation as proof of payment. XXXX clearly states they paid the transfer. Wise clearly states they never received it and it was cancelled. I have not received this transfer. Wise has the proof it needs from XXXX, their investigation needs to find my transfer. These two banks have created the best scheme to take your money and hide, then claim no responsibility for the missing funds.
|
| 05/16/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
My name is XXXX XXXX XXXX and I am a costumer of a finantial institution called Wise, former Transferwise, registered in the US as Wise Payments Ltd. Wise Payments Limited provides financial services. The Company offers personal and business money abroad with account details and convert multiple currencies for businesses as well as provides consulting services.
On a recent transaction, XXXX XXXX sent XXXX US dollars from her Wise account opened in the USA to my Wise GBP bank account via the Wise app. Unfortunately, an error occurred when selecting the currency for conversion, and she mistakenly chose euros instead of GBP, which was the correct currency for the transaction.
The transaction number associated with this transfer is XXXX.
Despite both parties receiving written confirmation that the transaction was successfully completed and the money was paid into my account, the amount in question has never reached my account. It has come to my attention that the funds are being held illegally by the institution.
I would like to highlight the inconsistent responses we have received from Wise representatives whenever we have reached out for assistance. Initially, we were informed that the money was in my bank account and that I should contact my bank to resolve the issue, despite the fact that Wise app is my bank and my Wise GBP bank account is the intended recipient.
Subsequently, we were informed that the payment would be returned to her bank account within a period of up to two months. I must emphasize that such a prolonged holding of someone else 's money is both illegal and unacceptable. It is essential that Wise systems are updated to implement measures to prevent situations like this from occurring. For instance, the app could be programmed to reject transactions where the selected currency and the destination country do not match. Instead, they are unlawfully holding the funds and refusing to return them either to the sender or to the intended recipient. This behavior constitutes robbery and bank fraud.
Over the past week both the sender and I have contacted the company a number of times. I am dissatisfied with the response received and I have serious concerns regarding the legality of the procedure they are following. Wise representatives mentioned that transfers need to go through correspondent banks until they reach the recipient, but I believe this statement is inaccurate. From my understanding, there is only one bank involved, and the funds have remained solely with Wise throughout the entire process. I chose to transfer the funds to my Wise account via the Wise app, ensuring that the money has been in Wise possession since it left the sender 's bank account. It appears that Wise is unlawfully holding onto the funds.
Additionally, the timeframe of up to 2 months that you provided for the return of the funds is both unreasonable and contrary to the law. Regardless of tthe company 's procedures, clauses, or terms and conditions, they can not supersede legal requirements. Furthermore, the companys insistence that the money was sent somewhere else raises concerns of potential bank fraud. For instance, the sender received a written email stating that the funds would be returned to them when Wise receives the money back. However, as Wise was the intended recipient, claiming that the money was sent elsewhere implies fraudulent activity, as the client never authorized or intended such action.
Now I am escalating this issue to CFPB hoping you will address these concerns promptly and rectify the situation within the bounds of the law.
|
| 10/22/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Confusing or missing disclosures
|
|
Web |
|
|
The issue I have is with WISE money transfer service. Originally called transferwise. I was one of the first people to sign up for the service in XXXX. I have been using their services for the same means and nothing has changed over the eight year period.
Thus I was very surprised around the XXXX XXXX XXXX to wake up and find I could not log into my account. Initially, I thought there was a glitch and tried multiple times to log into my account unsuccessfully. I quickly learned that they counted being deactivated and immediately contacted customer service to find out why. Having used customer service on multiple times concerning money, transfers and always extremely happy with the service. I was shocked and disappointed with every conversation moving forward regarding trying to find information about why the account is closed. Firstly, the customer service has no idea and up offers. Absolutely nothing in terms of tending to their customers needs. You would think of the eight years of business that they may have the good and decent nature of trying to resolve some thing where the customer is absolutely unaware of why something happened and why the subsequent actions were taken. although they have the right to deactivated an account, they also said you may appeal this decision. I was unable to obtain the appeal flow through the app or the website and was instructed to write an email directly to the appeals division who made this decision. Ive sent numerous letters to the appeals department and have not been responded to in their within their 20 day timeframe or so during this timeframe, I reached out again to try and speak to someone and was finally able to get put through to someone in the appeals department who said that all they needed was to verify my account and that I should send him the relevant documentation. Very surprising that for the simple reason it took more than 20 emails and time and numerous phone calls. Ive subsequently sent the documentation and asked whether this was sufficient and Ive had no response within the 20 day timeframe having left around {$5000.00} in multiple currencies in the account, account and with no ways of accessing it and or paying bills that Ive previously set up you can get an idea of the absolute frustration I have been up against. I feel like I have no choice, but to take this into a complaint scenario and potentially garner other peoples support that have experienced similar frustration in changing the ideology and Modus operandi from how this company deals with law-abiding citizens and how they resolve the issue which I am now facing.
One only has to think of any other business in modern society be at a Bank, an apartment, building that after eight years of building a relationship, they cut ties with absolute disregard for their clients, well-being, functionality, NOTING that they have in small print a professed assurance that through an appeal a reason will be given.
Such a shame, when you think so highly of an entity or institution that it can be turned to the absolute opposite direction through them not performing the way they have said they would.
I am committed to continue this complaint process with the powers that be until I am satisfied with a correct handling of my case and a better customer service protocol entered from their side. The satisfaction will also include the return of all my account transactions which are pivotal to my business, and currently unavailable to access.
Thank you CFPB for allowing me to voice my concern and opinion.
|
| 12/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
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It is horrible that Wise Payments limited are keeping my business funds without providing a reason. There were approximately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in my multi currency accounts for XXXX XXXX XXXX, an active trading company, registered in Wyoming, XXXX, when they deactivated my account and locked me out. I have not had to our business funds since then and we are going of our business due to this situation. I have attached evidence of the non-payments due to our funds locked in by Wise Payments Limited Wise is illegally holding my funds and refusing to refund them for no reason. They deactivated my account without warning or providing any reasons. They didn't ask me for any documentation and stole my business funds., I am based in XXXX but hold an XXXX XXXX in the XXXX as an overseas resident. I had a Wise account with my XXXX identity and had been using it for a couple of years without a problem. I held a XXXX XXXX business account with Wise where all the business funds were stored.
Wise deactivated the account on XX/XX/XXXX. On XX/XX/XXXX, I submitted an appeal on their appeal portal where they asked me to provide proof of identity and details of the bank accounts where you will refund the payment. I provided all the requested details.
I waited until XX/XX/XXXX before I filled out the online complaint form to which you replied in a few hours that they are investigating the issue and will need XXXX days to resolve the matter. ( Image attached ) On the same date XXXX XXXX, I received another email from Wise Support asking me to provide more info about my Wise account. When I followed the link in that email, I was again asked to submit my bank details for the refund, which I did promptly. ( Image attached ) They did not ask me for any info other than my proof of identity and bank details.
The very next day on XX/XX/XXXX, they closed my account stating that they had received the info I provided but that they would not refund the funds. What info did they check before deciding to not refund my money other than my identity and bank details? How can they judge, decide and keep the business funds of an active trading company? ( Image attached ) On the other hand, when I log into the appeals portal on wise.com, they tell me that they have closed my account but already refunded the funds to the originating bank or the account I provided which is a lie.
Can you see that they are providing conflicting responses : 1 ) They decided not to refund my money after I provided my info, 2 ) They are investigating the matter and will get back to me with a decision within 14-35 days, 3 ) that they already refunded the money. You are doing all this while you are holding on to my funds. ( See attachment ) I have found hundreds and thousands of other people who are in the same situation and you closed their accounts for no reason.
What I am considering as future action plan.
Send them a legal notice through our lawyer for unlawfully holding our funds which has caused immense financial and emotional damage to our entire team.
File a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Contact XXXX XXXX XXXX Submit a complaint to the Internet crime agency and cyber crime agency Report them to the XXXX XXXX department File a complaint with the consumer finance department XXXX ( https : //www.consumerfinance.gov/ ) Report them to action fraud police
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| 06/11/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Money was not available when promised
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Web |
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Hi we'd like to look into starting a class action suit against Transferwise XXXX XXXX deals with XXXX XXXX often as an import/distribution company and we signed up for Transferwise thinking it would be a great way to handle such transactions faster and more cheaply.
We tested a few transactions that went off without a hitch. But then one transaction was flagged : XX/XX/XXXX- Transfer # XXXX {$500000.00} The Transferwise team sent emails asking for documents verifying the activity which we XXXX in full ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc ).
However, a week later we received an abrupt email from Transferwise stating our account has been closed without any other explanation.
These funds were necessary to procure inventory to be delivered to the customer and meet contractual obligations. The funds were frozen, causing the customer to need to take out a loan to cover the funds. The frozen funds also caused delays in delivery to the buyer, incurring penalties for nonperformance of the contract.
Transferwise held the funds directly causing over {$22000.00} in interest for the emergency loan, penalties, plus legal fees for an attorney letter drafted.
Transferwise only returned the money after two attorney letters were sent. We expect they should be responsible for covering these fees.
A second issue : Additionally, two transfers were rejected by the recipient bank due to a spelling error and was refunded on XX/XX/XXXX.
XX/XX/XXXX- Transfer sent # XXXX {$50000.00} USD to XXXX XXXX XXXX XXXX ( XXXX ) XXXX , XXXX .
XX/XX/XXXX- Transfer sent # XXXX XXXX USD to XXXX XXXX XXXX XXXX ( XXXX ) XXXX , XXXX .
Transferwise said they would notify us and return the funds as soon as it was received.
Today we called customer service and they confirmed the funds had indeed been received, yet now they claimed the funds would be held up to 60 days while their company conducts due diligence yet provides no information on exactly what this due diligence is and what it is for.
Repeatedly calls to their customer service simply directed us to email their appeals team but they mentioned they may take up to 10 business days to reply.
To date, 3 weeks after this started on XX/XX/2020, we still are unable to be refunded the {$150000.00} they owe.
Every time we contacted customer service, they said their access to information was very limited and had no supervisors or management to further our case. The only recourse was to email the appeals team, which replied only twice by email and gave no help at all. No resolution, no reparation and no explanation.
Transferwise ransomed our money in their account illegally adding to their companies profile while refusing to divulge any information to us about why or what the process was exactly.
We also asked for the terms of service clause which states they can freeze funds for up to 60 days and they were unable to point us to it.
A multitude of users have met with unscrupulously business behavior by buying into their fake reviews.
https : //www.consumeraffairs.com/finance/transferwise.html? page=2 # sort=top_reviews & filter=none Transferwise is a company with no regard for accountability and should not be entrusted to handle the hard earned money of citizens
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| 09/23/2021 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
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Web |
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I administer an estate with XXXX heirs in the US. For that purpose I have a notarized and registered Power of Attorney from the Court Appointed executor who also resides in XXXX. I liquidated the estate and am trying to distribute the amount to the heirs in XXXX. For that purpose I contacted Wise US Inc. d/b/a Wise.com ( formerly Transferwise.com ) were I had a personal account. after some back and forth with some openly incompetent persons I was told I could not transfer money on behalf of the estate using my personal account but would need to open an account for my law firm. I opened an account for my law firm and went through a lengthy verification process submitting probably 20 documents being. At the end I was told I can not open a account for the law firm as I intend to use it to transfer funds for third parties ( which by the way is absolute legal as long as such transfers are related to my representation as attorney ) which was obviously known to them from the beginning when they recommend to open an account for the law firm for the very specific transfer on behalf of the estate. Meanwhile I had lost a week. I was told That I would need to open an account on behalf of the estate. I did so, and the accounts immediately cleared and a transfer was allowed to be set up locking in an exchange rate on XX/XX/2021. I immediately wired the funds ( {$130000.00} ) to Wise on XX/XX/2021. The funds arrived on XX/XX/2021 at Wise. However they were not credited but the adding of the funds was " paused '' and the Transfer of the Funds was " paused '' as well with the comment " We're verifying you We'll check your documents as quickly as we can, but it will take at least 1-2 working days. Please keep an eye on your email inbox we may need to get in touch... I received an e-mail from Wise on XX/XX/2021 after the transfer requesting additional documents which had nothing to do with an estate but were geared towards a US Corporation. I immediately responded, cleared up the mistake and provided all equivalent documentation equivalent to an estate. In turn I received an e-mail from Wise which said they would need 2-3 days to verify. A day later I received another e-mail from WISE saying it would take and additional 5 business days to verify. For the additional 5 days i heard zero from Wise. on day 6 I followed up by e-mail ( that according tot heir webpage will be answered in 1 day asking what is preventing them from verification and completion of the transfer. No response. Today i used the " online chat option to contact WISE. I received not satisfactory answer except that they are opening a ticket and I will get a response in 1-3 business days. then i was thrown out of the Chat and all the chat trail was deleted before I could save it. Additional chat contact attempts remained unanswered. I conclude either on purpose ( to get an interest free unsecured loan ) or by complete incompetence Wise enticed me to send the fund to them and are now holding then under false pretenses and stopped communicating with me. This is a very cavalier treatment of other people 's money akin to embezzlement and request that Wise US Inc. 's business practices to be investigated and proper steps to be taken to protect future customers from them.
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| 10/03/2020 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
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- Wrong amount charged or received
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Web |
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My brother was going to send me USD but wanted to receive it in USD and transfer the USD to my US dollar account in XXXX. I did not want to lose on the exchange rate. The USD funds were paid to my XXXX account in USD. In order to transfer the USD to my USD account in XXXX and minimize on foreign exchange issues and transfer fees, I created a Transferwise account as I read that was the best way to transfer USD funds from a US bank to XXXX, by creating an account with Transferwise, Transferwise Inc has a US addressed listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY and it appears to be an affiliation with XXXX XXXX. Within the Tranferwise account, I set up both my XXXX chequing and US dollar savings account so that I have the option of transferring funds either in US or XXXX funds. When I received the USD from brother through XXXX, I then transferred the USD to Transferwise that was set up within the XXXX account. I then logged into Transferwise and requested a transfer in USD to my USD savings account. I paid a fee for the transfer and purposely wanted to receive funds in USD. At it turns out, my bank received the funds in Cad $ through the intermediary bank XXXX and converted to USD to deposit to my USD account. I lost on the exchange rate twice and lost on the exchange. I understand and accept that XXXX would charge a transfer fee and that was not the issue. I emailed and contacted Transferwise and explained the issue and they have not resolved it and insisted that the issue was clearly all a wire transfer fee by the intermediary bank. A wire transfer fee of USDXXXX is ridiculous as i recently was charged a wire transfer fee of USDXXXX by the same intermediary bank ( XXXX ) on a recent wire transfer to my USD for an amount that was way more than USDXXXX. I am very frustrated.
The transfer was initiated by me through transferwise in the amount of USDXXXX ( i paid a transfer fee, no problem ). Date received by my bank was XXXX in the amount of Cad {$1900.00}. My bank had to convert to USD as the transfer was going into my USD account and the deposit to my account was UDXXXX. The Cad {$1900.00} was after a transfer fee by the intermediary bank XXXX which i have no problem with. It is the conversion rate on both conversions ( intially from USD to Cad $ by XXXX, and then from Cad $ to USD by my bank ) that cost me to lose on the foreign exchange. I received about USDXXXX less I am guessing that it would have been about USDXXXX in wire transfer fees charged by XXXX ( which i accept-this was the fee charged by XXXX on an earlier wire transfer ) and the difference of USDXXXX is the foreign exchange loss. Transferwise refused to accept responsibility and if anything, they should at least investigate and reach out to XXXX to resolve this. They represented that i was going to receive exactly USDXXXX ( less wire transfer fees ) but that is not what happened. I should have at least received USDXXXX assuming wire transfer fees were {$20.00} I know that it is not a large amount to some people but it certainly is a lot to me during Covid. That is an issue that should be resolved between XXXX and Transferwise and I| should not be in the middle of it.
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| 05/19/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Other transaction problem
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Web |
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I started a transaction with Transferwise ( now only called Wise ) on XX/XX/2022 to send money to my mother in XXXX to buy an apartment. They asked for many documents, and then I just thought it would be simpler to send the money straight to the real estate agents without having to involve my mom.
I contacted Wise, and asked customer support whether I could edit the recipient of the money. They told me to cancel the transaction, and then I would be able to edit the recipient, as seen in the conversation transcript below ( from XX/XX/XXXX ) : " XXXX - XXXX The payment will be rejcted back to Wise XXXX - XXXX and then can I change the recipient?
XXXX - XXXX We'll send an email then XXXX - XXXX You can edit the recipient or get a refund XXXX - XXXX okay, that's useful to know " However, things did not go that way. After I cancelled the transaction, they said that I can't change the recipient, and that I would have to start a new transaction. Based on the new currency, that new transaction will cost me extra {$2300.00} ( as of today ). If they told me beforehand that I couldn't edit the recipient, I would never have cancelled the previous transaction.
I still haven't received my money back, so I don't even know what will be the currency exchange that I'll be able to use when I receive my money back. I might have to pay even more than {$2300.00}. In the meantime, my mom has her hands tied and can not complete the apartment purchase because of all these delays that were caused by Wise 's misleading customer support. If it wasn't for the incorrect recommendation from their Support ( XXXX XXXX, my mother would already have received her money, and I would be happy in sending the initially agreed amount of {$43.00}.
According with the Federal Trade Comission : " The Commission will find deception if there is a representation, omission or practice that is likely to mislead the consumer acting reasonably in the circumstances, to the consumer 's detriment. '' ( ... ) " A " material '' misrepresentation or practice is one which is likely to affect a consumer 's choice of or conduct regarding a product. In other words, it is information that is important to consumers. If inaccurate or omitted information is material, injury is likely. '' Since the transaction also involves Brazilian banks, the Brazilian Consumer Protection Code also refers to this issue ( in Portuguese ) : " Art. XXXX. Toda informao ou publicidade, suficientemente precisa, veiculada por qualquer forma ou meio XXXX comunicao com XXXX XXXX XXXX XXXX XXXX XXXX XXXX apresentados, obriga o fornecedor que a XXXX XXXX XXXX dela XXXX utilizar XXXX integra o contrato que vier a ser celebrado.
Art. XXXX. O fornecedor do produto ou servio solidariamente responsvel pelos atos XXXX seus prepostos ou representantes autnomos.
Art. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, o consumidor poder, XXXX XXXX XXXX XXXX XXXX : I exigir o XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX aceitar outro produto XXXX XXXX XXXX XXXX XXXX ; XXXX rescindir o contrato, com XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX a XXXX XXXX XXXX. ''
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| 11/16/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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My wallet was stolen and ATM withdrawals were made for the following amounts and date, these were all made in thai bath currency at XXXX XXXX, XXXX : Transaction 1 : Withdrawn XXXX XXXX at XXXX Transaction details When XX/XX/XXXX at XXXX XXXX Where XXXX XXXX , XXXX Which card XXXX Authorised via Chip and PIN Conversion details USD Amount taken XXXX USD Our conversion fee XXXX USD Exchange rate XXXX Our ATM fee XXXX THB 3rd party fee XXXX THB Transaction no. # XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Transaction 2 : Withdrawn XXXX THB at XXXX Transaction details When XX/XX/XXXX at XXXX XXXX Where XXXX, XXXX Which card XXXX Authorised via Chip and PIN Conversion details USD Amount taken XXXX USD Our conversion fee XXXX USD Exchange rate XXXX Our ATM fee XXXX THB XXXX party fee XXXX THB Transaction no. # XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Transaction 3 : Withdrawn XXXX THB XXXX XXXX XXXX Transaction details When XX/XX/XXXX XXXX XXXX XXXX Where XXXX XXXX, XXXX Which card XXXX Authorised via Chip and PIN Conversion details USD Amount taken XXXX USD Our conversion fee XXXX USD Exchange rate XXXX Our ATM fee XXXX THB 3rd party fee XXXX THB Transaction no. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transaction 4 : Declined XXXX THB XXXX XXXX XXXX XXXX declined - this payment would have taken you over your daily spending limit.
Transaction details When XX/XX/XXXX at XXXX XXXX Where XXXX XXXX, XXXX Which card XXXX Authorised via Chip and PIN Fee details Amount taken XXXX THB Our ATM fee XXXX THB 3rd party fee XXXX THB Transaction no. # XXXX XXXX XXXX XXXX Transaction XXXX : Withdrawn XXXX THB XXXX XXXX XXXX Transaction details When XX/XX/XXXX at XXXX XXXX Where XXXX XXXX, XXXX Which card XXXX Authorised via Chip and PIN Conversion details USD Amount taken XXXX USD Our conversion fee XXXX USD Exchange rate XXXX Our ATM fee XXXX THB 3rd party fee XXXX THB Transaction no. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transaction 6 : Withdrawn XXXX THB XXXX XXXX XXXX Transaction details When XX/XX/XXXX at XXXX XXXX Where XXXX XXXX, XXXX Which card XXXX Authorised via Chip and PIN Conversion details USD Amount taken XXXX USD Our conversion fee XXXX USD Exchange rate XXXX Our ATM fee XXXX THB 3rd party fee XXXX THB Transaction no. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The 4 transaction was declined since it went over the spending limit then the robber was able to make 2 more withdrawals with lower amount All actions were taken by me, blocking the debit card, contacting the bank about the fraudulent ATM withdrawals, filing a police report at with the number # XXXX at XXXX XXXX Police Station with the address : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX The bank hasn't provided with any resolution and I need the money to be refunded back urgently since I am in a foreign country and don't have in my possession another debit card.
In my wallet I had also 2 other credit cards and they have already provided a resolution for my case, I attached the documentation that I sent to those 2 banks.
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| 06/23/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Managing, opening, or closing your mobile wallet account
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Web |
Servicemember |
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TransferWise is an international money transfer company based in XXXX XXXX that offers digital customer accounts in various currencies ( USD, EUR etc. ) through regional offices ( New York, XXXX etc. ). I am personally impacted by the following, but have also studied many reviews ( XXXX reviews etc. ) and TransferWise has systemic problems with ( 1 ) improperly closing customer accounts, ( 2 ) improperly withholding and not returning customer funds, ( 3 ) not allowing for appropriate or well considered redress by their customers, ( 4 ) not providing the consumer details of his or her account or transfer information at account closure, thus making it difficult to research or to make a complaint using their own historical info, ( 5 ) using " risk appetite '' and financial regulatory compliance as a ruse to hide their improper mis-dealings and that they are simply ineffective, inefficient, and negligent with properly handling and processing customer appeals and the related compliance requirements. ( 6 ) I suspect TransferWise might also be doing some form of " redlining '' ( above and beyond actual monitoring for suspicious financial activities ) in deciding which accounts to selectively close and withhold funds.
My situation - Recently started relationship with TransferWise. On or about XX/XX/2020, sent three money transfer transactions ACH funded directly from my personal US non-TransferWise bank account. Also, because it seemed convenient, opened a EUR and USD accounts with TransferWise and funded those accounts. TransferWise closed system access and accounts on XX/XX/2020 without warning and gave no details. I appealed decision on XX/XX/2020 and TransferWise requested ID and I provided passport. TransferWise said they would review and get back to me. On XX/XX/2020, a TransferWise email advised " We need some more information from you to reopen your account '' and provided a link. Following the link led to a page, without TransferWise requesting more information, that simply stated " After reviewing your case again, weve decided to keep your account closed. Re-onboarding you is out of our risk appetite. '' My issue is that on one money transfer transaction, I am unable to provide the details of the payment to beneficiary as I do not have access due to the closed system access and accounts. Plus, TransferWise owes me USDXXXX which is combined amount in a USD and EUR account opened with them ; they did not address the return of these funds in their last communication. And I was not given a fair opportunity to understand their concern or to even appeal. Plus, TransferWise, from a risk standpoint never provided any information or expectations on my usage of their service from a risk standpoint ( transfer limits etc. ). In TransferWise 's final exchange, they never requested any appeal information contrary to their email ; it was as if they already made up their mind without actually attempting to research the situation. Whatever concerns TransferWise has about me or my transactions they are without merit. The myriad of negative online consumer reviews of TransferWise corroborates my situation.
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| 04/02/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Other transaction problem
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Web |
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On XX/XX/2023, I created an international money transfer ( # XXXX ) in the amount of {$3100.00} USD via the Wise application on my smartphone. The money was directed from my XXXX bank account in USA to my partner 's closed XXXX XXXX account in XXXX. -- - Transfer receipt is attached for your reference : XXXX Wise reported that the funds were 'paid out ' the same day, and that they would be available on XX/XX/2023 or sooner. But from what I understand this should not be possible, as the funds were directed to a closed account. The recipient financial institution confirmed on XX/XX/2023 that no transfer from Wise was ever received. And if it were received, since the account doesn't exist, then the only possible outcome is that the funds would bounce back to the sender 's account. -- - This document from XXXX XXXX is attached for your reference : Account Information.pdf Between the start of XXXX and now, both the recipient and I ( the sender ) have spoke with dozens of employees from Wise as well as both of our financial institutions, and we are getting contradicting information depending on who we talk to.
On XX/XX/2023 Wise provided what they called a 'proof of wire trace ' document vaguely stating " NAME AND ACCOUNT DO NOT MATCH NSF '' at the bottom. Nobody was really able to explain to us what this actually means. In our opinion, this document only makes it seem like no action was taken, nobody was ever contacted and no follow up was made. Wise was unwilling to provide us with any further insight as to the action taken during their investigation. -- - This document is attached for your reference : XXXX On XX/XX/2023 I disputed the charge with my XXXX bank. They provided me with a temporary credit and they are currently investigating what they can from their end. I have not heard the results of this investigation as of yet. They did tell me it can take some time. -- - This document is attached for your reference : XXXX On XX/XX/2023 Wise contacted us saying the beneficiary had already withdrawn the funds and there is nothing Wise can do to further recover the funds. -- - This document is attached for your reference : Wise Transfer XXXX They will no longer assist with any investigation, and they recommended we file this complaint. If this is true that the funds have already been withdrawn, then it would lead us to believe that Wise somehow directed the money to a completely different account than the one we provided. If the funds were sent to the account we provided, then the only possible outcome should be that the funds return to the sender 's account. But here we are now in XXXX, and the money is still missing.
On XX/XX/2023 Wise contacted us with a legal threat indicating I need to pay for this transfer and that I will be charged interest at the greater of 15 % per annum, as well as charged for all of Wise 's cost of collection. -- - This document is attached for your reference : XXXX XXXX XXXX I feel like Wise has robbed me, this whole situation has already caused so many problems and stress in our lives, and now collections are going to come after me. I'm getting really scared.
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| 07/25/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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Web |
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On Friday XX/XX/XXXX I needed to wire {$25000.00} from my XXXX XXXX XXXX account to XXXX. A few of my customers recommended in the past to use the service of a company - TransferWise Inc. so I checked their website - they promote their fast, reliable service with a good exchange rate. I set up an account with them and wired the funds to their XXXX XXXX account. I received a confirmation email that same day that they received the funds and that it should be delivered to the recipient on Monday XX/XX/XXXX. However on Monday the recipient contacted me that he did not receive the money. I quickly tried to sign in to my TransfeWise account and track the payment, but to my surprise I couldn't - the information there stated - account was deactivated by TransferWise. Nobody informed me about this, I did not receive any email or phone call. So I quickly contacted their customer service at XXXX and also XXXX but the representative just said, that he can see the account was deactivated, but he doesn't have the access as to why and that he can not help me. I asked them for a phone number to a department that can help me and he said, that their Appeals Department doesn't have a phone number only email XXXX and that I should email them and should get a response in about 10 business days???!!! Also he added that he wishes me, ,Good luck '' as to getting my money back. At that point I got really scared and quite helpless. I'm emailing them every day to XXXX and also XXXX to get an information, when they will return the money to the originator 's account since they were not able to transfer them to the recipient in XXXX. They requested unnecessary detailed personal information from me - my bank details, bank statement, over the email! Why do they need it? They received the wire transfer from me, so they are able to return it to the originator 's bank account without this information! They keep repeating in their emails that they don't have access to my deactivated account information, refund should take 2-3 business days ( it's been over a week now ) and they advise me to talk to their appeals team ( they've never contacted me nor replied to my emails ). I did also a little research on them and found online many bad reviews and complaints of people with the same problem as mine- that they deactivated their account and some of them claimed they never received their money back. This is not normal! How can they be in the business - nonexistent customer service, it seems like a fraud. They are holding my money with no information whatsoever. It's been over a week now. This is the information I found on the California Department of Business Oversight website about this company and I also filed a complaint with DBO : License # : XXXX Institution Name : TransferWise Inc.Officer Name : XXXX XXXX XXXXAddress : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX Office Key Consumer Links Consumer Alerts Consumer Advisories File a ...
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| 09/04/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
Servicemember |
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I made several transfers between XXXX XXXX and XXXX XX/XX/2023. The money was withdrawn from my bank account at XXXX and placed on hold at Wise. It was to be held for about 3 days. Just hours before it was set to be released then my account at wise was deactivated. It never posted but my money was still gone from my account at XXXX It was 3 transactions. One for XXXX and two for XXXX. I contacted wise who assured me my money would be held safely and returned to me after the investigation. Almost 40 days later wise concluded their investigation and immediately refunded an amount of XXXX usd. I filed complaint with them and they stated they couldn't give me any detailed information. I filed complaint for a charge back with my bank. My bank refunded me the {$1000.00} and one of the {$500.00} transactions. Wise then sent me a notice saying I was owing them money.
Wise completed the complaint I filed after I did not receive my money. In their letter they refer to transactions made on XXXX XXXX and XXXX XXXX and XXXX XXXX. These are not the correct transactions. My transactions took place on XXXX XXXX and XXXX XXXX. Two transactions : {$1000.00} and {$500.00} on XXXX XXXX and one transaction of {$500.00} on XXXX XXXX. They didn't address the correct issue. I didn't have an issue with the transactions on XXXX and XXXX XXXX. I have proof the money came out of my account at regions bank on XXXX and XXXX XXXX and it was never returned. It had yet to post to my wise account so I never spent the money. I asked Wise.com for a statement of my transactions and they replied they can not offer a statement. Again, the transactions they bought up in the complaint result were from XXXX and XXXX XXXX and I used those funds. Which is why I was making another transfer on XXXX and XXXX XXXX. The transfers for XXXX and XXXX XXXX were never received by me in my Wise account. The money was withdrawn from my XXXX account and now appears to have disappeared because before it could post wise deactivated my account. Wise has also now made claim that I owe them for the {$1000.00} charge back from my XXXX account. If they were to investigate the correct transaction dates then the would see they owe me and I do not owe them. I have not received a straight honest reply from the customer service department. I have not received any bank statements from my account so I can verify my spending and transfers via the wise.com account. I have my proof from my XXXX account only and I feel that Wise.com is being dishonest about my money transfers which is why they won't give me any detailed information from my account in XX/XX/2023. I require help in recovering my money and clearing my account with Wise.com. I am not the only person that has experienced this with Wise.com. I took to XXXX to find numerous complaints regarding similar issues from other customers. This seems to be a recurring problem with Wise.com. they should be investigated for fraudulent services.
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| 03/26/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Confusing or missing disclosures
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Web |
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XX/XX/2022 - I sent an international transfer of {$1000.00} through XXXX website to XXXX to a family friend to cover unexpected medical expenses and in the reference field i had written " from XXXX ''.
XX/XX/XXXX and XXXX of 2022 - I received an email from XXXX asking for additional information : A detailed purpose for this transfer ; my relationship with the recipient ; and what. " XXXX '' refers to the reference field.
XX/XX/2022 - I answered the questions and in particular disclosed that XXXX is my wife.
XX/XX/2022 - I received an email from XXXX asking for Full name, date of birth ( dd/mm/yyyy ) and place of birth of my wife XXXX XX/XX/2022 XXXX I called Wise support to find out why Wise needs my wife 's personal information. XXXX answer was that this is a regulatory requirement.
XX/XX/2022 - XXXX wrote and said that they will reject the payment if they don't have my wife 's personal data.
XX/XX/2022 - I replied and mentioned that the fund was already in the recipient account and that it was withdrawn and inquired as to what would happen if I go the route of cancelling the transaction. I also asked for the following information : May I please know which regulatory body is requesting this information. Is this a US regulatory request or is it the XXXX governing request? Can I please get the text of the regulation where it states that information related to relatives of the sender of the transaction is required? May I also please know what constitutes the " detailed purpose of this transaction ''?
XX/XX/XXXX XXXX I received an email from XXXX XXXX again with a boilerplate template answer that they need the information due to regulatory requirements and they just sent me a link to the user agreement. XXXX failed to answer any of my questions specifically as to why XXXX was requesting my wife 's personal data. Furthermore, XXXX threatened to close my account.
XX/XX/XXXX XXXX I replied to XXXX XXXX the information they requested. Since I had done business with XXXX for many years and had all my contacts established in application, I did not want my account to be closed by XXXX. I was hence forced to give up my wife 's personal data. I requested XXXX for the contact information of someone in the chain of management and corporate office address to escalate my grievance.
XX/XX/XXXX XXXX I received a message from XXXX XXXX that the matter is resolved. XXXX however again failed to provide any specifics as to why they required my wife 's personal data except by providing the same generic answer that they under regulatory requirements to do. XXXX did not provide me with the regulatory statute enabling them to cast such a wide net of collecting personal information of relatives of an account holder. XXXX did not provide me any escalation point for this matter ( i.e. someone in management chain or corporate office contact )
|
| 12/08/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Confusing or missing disclosures
|
|
Web |
|
|
Transferwise uses XXXX XXXX XXXX Bank as its partner bank. Wise advertises a {$4.00} flat fee for receiving USD from overseas using XXXX. Wise also lists under my USD balance account information that the routing, account, and XXXX numbers are for " my account ''.
In reality, these transactions are being routed through XXXX using their routing and XXXX numbers, incurring fees that are not published nor disclosed by either XXXX nor by WISE. XXXX does not publish any fees fee information, but that is the subject of a separate complaint.
As Wise 's chosen XXXX XXXX, Wise is aware of the additional fees that it's clients may incur through their relationship with XXXX.
Wise has chosen to misrepresent the routing/account/XXXX numbers as mine and/or theirs, and they have also chosen not to disclose the actual costs associated with using their services - information which is available to them but which is not disclosed on either Wise 's website nor on the website of their partner bank.
This intentional obfuscation of the actual costs of doing business with Wise led me to choose their service as the more affordable option when, in reality, their price was too good to be true.
When speaking to a customer service agent, I was told that XXXX transfers pass through many banks with each taking a cut. In this case, the total was exactly {$30.00} - the same amount that my bank would have charged for me to receive the money directly. In addition to this undisclosed cost which both Wise and XXXX chose not to disclose, I also paid Wise {$4.00} for the privilege of receiving the money as well as an additional {$.00} fee for sending the money to my checking account.
I believe that Wise intentionally misrepresents the costs of doing business with it. They stated repeatedly that XXXX is their partner bank, and as such, there should be full disclosure of the associated costs of using Wise 's services.
At the heart of my problem is the fact that Wise won't disclose to me - either online or over the phone- whether their partner bank charges for this service. XXXX also does not answer the phone, and I was unable to communicate with anyone there.
I understand that it would be different if we were talking about an intermediary bank, but in this case, it's represented as a partner, so I find it difficult to accept that Wise would simply not know about potential additional costs. It's even more damning for a company which advertises its " transparent fees '' to partner with a bank which intentionally obfuscates its fees.
Wise has an obligation to its clients to give a full accounting of the actual costs of using its services, and in this case, it appears that they have tried to do the opposite in order to gain a competitive advantage.
|
| 10/18/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
- Money was not available when promised
|
|
Web |
|
|
On Thursday, XX/XX/XXXX a client attempted to pay my company {$4000.00} via XXXX for services and an error message came back We can not currently accept payments to this recipient.
XXXX couldnt or wouldnt tell me what the error was, so I accepted money from this client a different way but then transferred the money from that payment method into my companys XXXX account.
I transferred {$5000.00} on XX/XX/XXXX to my companys XXXX XXXX account from another method my company accepts payment. This transaction was simply a transfer between company accounts.
On XX/XX/XXXX, I attempted to transfer {$150.00} to a member of my company. When I initiated that transfer, an error message popped up : " We can not currently accept payments to this recipient. '' The same message my client had gotten a week earlier. I tried to send the money to myself, a XXXX of the company. Same error message.
The member of my company contacted XXXX support team. My business partner told me XXXX wouldnt talk to him, so I talked to Wises support team myself via phone on Monday XX/XX/XXXX about my issues with my XXXX account. They said they would email me a response about my issues within 2 business days.
On XX/XX/XXXX, more than 2 days of waiting for XXXX response, I tried to login to my wise account on a mobile device. I couldnt. I tried again and I was prevented from logging in again.
I attempted to login from a laptop on XX/XX/XXXX and an error message popped up when I tried to login to my account : Sorry, we deactivated your account. Read more in our Help Centre.
Their help center was unhelpful as it stated that they cant tell me why they decided to shut down my account.
I submitted an appeal to XXXX through the form online and gave them the details of one of my bank accounts to transfer the XXXX XXXX XXXX that I had between my XXXX accounts in the case they didnt accept my appeal.
My business partner told me on XX/XX/XXXX that XXXX had closed two other company bank accounts we held with XXXX. We now had even more money that was being held XXXX by XXXX.
On XX/XX/XXXX XXXX emailed me about my appeal. Weve decided to keep your account closed. And Weve checked the info that you sent us and we wont be able to send you the refund. They werent going to send me the {$5100.00} of company revenue in the account they closed.
I emailed 3 of their support emails ( XXXX ; XXXX ; XXXX ) with a quote from their Customer agreement and stating that if I didnt hear back from support within 72 hours I would initiate legal action because its illegal for a money transmitter to steal money from their clients.
XXXX has not contacted me via email since their appeal decision on XX/XX/XXXX.
I want the {$5100.00} that XXXX stole from my company returned to me.
|
| 10/20/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
I was having an account with Wise ( XXXX ). On XX/XX/2022, My account was accessed from the XXXX, though I am from XXXX. I received an email regarding this. Next morning I realized that my account has accessed by someone else. Wise should have detect this new login pattern and transferring {$72000.00} USD in just 30 seconds with 9 separate transfers and {$8000.00} USD each. The transactions happened when it was midnight for me and unusual time for me to login to my account. All are those payments were unauthorised and my phone wasn't working at that time. I didn't accesed Wise app on my phone nor I have installed Wise app on my XXXX XXXX XXXX phone. I also want to mention my account email was changed on that day. All these incident relates to account hacking and unauthorized access to my account. Wise at-least should have detected one of these.
I also asked Wise on the month of XXXX, 2022, that how much money I can hold in my account? And, Wise response was there is no limit to hold the amount of money. As, I informed Wise about this, they should have more security measures or look-up on my account. If they told me that I had to verify myself first, then I should have withdrawn my funds to my local bank account from my XXXX account, rather than transferring it to my Wise account. I have all the screenshots and evidence of transferring my funds from my XXXX account to my Wise account.
Moreover, my account was personal, not a business account on Wise. I delayed 15 day 's to report the inident because, the scam was so sophisticated that I was shocked at that time and I haven't got any time to response since the payments leave my account in 30 seconds. As, Wise didn't detect the scam automatically, I lost hope for a refund and on Wise part they say 's they don't take in part in dispute between sender and recipients. Though this is an unauthorised incident.
It was lot of money for me. I am living on the streets now. I don't have any financial support or anything currently. Those were my only funds left. My life is stucked since XX/XX/2022. I am physically not well that I can do works. As I am a needy person that's why I am looking for a refund of my hard-earned money till now today after 1 year of the incident. Wise took 8 months to conduct the investigation, yet they weren't able to recover any funds and blaming me that I have been overpaid by mistake. All these things are goes against humanity. As, Wise is a regulated firm, they have a duty of care to their customers. They can't just ignore customers problems, when large amount of funds were stolen. I tried to commit suicide several times since the incident happened. Those money were for my treatment and medical expenses.
|
| 09/08/2023 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
For years, I previously had accounts for years with Wise ( previously TransferWise ) without substantial issue.
This year, however, Wise has for months failed to resolve and remedy several failings that have been both directly and indirectly damaging for me personally and for my business : 1 ) That Wise has repeatedly held business transfers for weeks without notice and with no responsive means to resolve these hold. In multiple cases these holds were well beyond the stated timeframes for release 2 ) That Wise has for months held one business account in a state of " sanctions review '' despite that business 's having already provided valid, unexpired, up-to-date documentation as required to open the account. Wise continues to exceed the completion times provided for its own internal review it states to undergo in connection with several unresolved complaints I've lodged through email and phone conversations with Wise.
3 ) That Wise has cancelled inbound transactions while also failing to provide timely response regarding this months-long purported internal review.
4 ) That during the years of my use of Wise as a verified account-holder, Wise has demonstrated absent public policy, absent documentation, conflicting documentation, and conflicting accounts between various Wise representatives regarding these matters : - How to create, join, or access a Wise business account when a Wise user already has a Wise personal or business account - How to access, own, or manage multiple business accounts when one or more of the businesses require ( per security & compliance requirements ) accounts be made using email account ( s ) and domain name ( s ) authorized by and specific to that company - To what extent and by what means Wise supports having multiple profiles ( user logins ) given the dearth of clear policy, clear user experience, and accordant systems design around supporting multiple account access that also meets extremely common compliance requirements of client businesses- Wise 's demonstrated inability and/or refusal to reflect validated, approved account changes consistently throughout its services and interactions with customers and third parties - Wise 's demonstrated inability and/or refusal to address customers by their verified legal name ( s ) and or expressed title ( s ) or means of address - Wise 's demonstrated and extended failure to address almost universal misgendering in its customer support operations- Wise 's demonstrated failure to acknowledge the above and other failings and related failure to protect customers from the time-consuming and financially devstating implications of the corporate gaslighting implicit in the failings taken together
|
| 10/24/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
On XXXX XXXX i used TransferWise app to transfer XXXX $ XXXX to XXXX.
When I filled up information such a first, last name if receptionist, I checked currency exchange rates, fee, I realize other company XXXX has a better rate and lower fee. I didn't push the final button to complete this transaction.
Then I found link on XXXX in group, a link for TransferWise, which is promising to have free international transfer.
I try to transfer money by this link, it is showed me free transfer, then I proceed and pay with my credit/debit card XXXX XXXX XXXX.
When I received my bank statement for my surprise I had 3 transactions by TransferWise : 1.XXXX XX/XX/160 $ US XXXX converted to XXXX $ Can 2 XXXX XX/XX/160 $ US which converted to XXXX $ Can.
3.XXXX XX/XX/160 $ US which converted to only XXXX $ Can, that it's mean shortage of XXXX $ Can.
My ticket number for this issue is XXXX.
I tried to call their number XXXX, nobody answered, automatic voice says- '' this number is unavailable ".
I contacted them from the app to asked why they didn't refund me full amount, as I didn't proceed first transaction, even I have email confirmation they fully refunded my credit card, but wasn't!
Confirmation email from XXXX XXXX XXXX : Money refunded ( # XXXX ) Hello XXXX, Your transfer of XXXX USD to UAH has been cancelled.
So weve refunded XXXX USD back to your card. You should have it in the next 410 working days depending on how quickly your bank or card company processes refunds.
Refund details Amount refunded : XXXX USD This what they answered on second email : '' Re : Cancellations and refunds XX/XX/2020, XXXX XXXX Hi XXXX XXXX Theres no fee for cancelling and refunding a transfer. Well always refund the full amount you paid us, regardless of the type of transfer you made.
However, in reviewing your transfer XXXX, I can see you paid using an international card. When you pay using an international card, your bank might charge a fee to convert your money for you which seems to be the case here. You'll need to contact your card company.
You paid in XXXX USD which is the amount we refunded back to your card.
Should you have additional questions, let us know.
Best, XXXX XXXX TransferWise Yesterday I spoke with representative XXXX XXXX XXXX they stated, they do not charge any fee, and suggested me to contact the merchant, what I did so.
For some reason they can not dispute this transaction.
I will take another step will go on Monday, XX/XX/XXXX to my local branch, and try to speak with supervisor or manager, will see what they gon na suggest to me.
In the same time I hope you will help me out.
Thank you, Best regards, XXXX XXXX XXXX
|
| 11/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
We hereby file a complaint against WISE for their actions.
The facts : We opened a multi-currency bank account for our company with WISE in XXXX
WISE closed our company 's accounts, which would have been lawful if they had acted in a professional manner, respecting their client 's rights and business, i.e. all the legal rules incumbent on financial intermediaries.
In fact, this closure was carried out suddenly, without any reason, without any notification, and without any notice period, disrupting the business activity of our company.
Overnight, we were denied online access. Having received no prior notice from WISE, we estimate the closing date to be around the end of XXXX XXXX
What's more, since our access has been totally blocked, WISE has prevented us from retrieving a summary of our financial accounts for XXXX and the year-end, so that we can take copies and print them out for our auditors. As a result, we are now unable to justify our accounts, with the corollary of unjustified requests for payment to customers and major reporting problems.
Since this closure and despite our requests, email contacts, complaints, and formal notices, WISE has implicitly : 1/ refused to return our assets 2/ refused to provide the data they are obliged to communicate to us, i.e. the account statements requested ( for the years XXXX and XXXX up to the date of closure of the accounts, then liquidation ).
In the absence of a solution and fed up with their procrastination ( contacts with WISE 's COMPLAINT department have gone unanswered, WISE has twice failed to meet their own deadlines for supposedly dealing with problems- which ones? ), we are forced to lodge a complaint against WISE for misappropriation of funds and improper retention of our financial data, this type of behavior being clearly contrary to the obligations that WISE or its parent company entered into with your organization to obtain their license.
We request your intervention as the supervisory body for this financial company, and we would like you to take the following appropriate coercive measures against WISE : - restitution of our assets with interest due, - a summons to deliver the statements of financial accounts requested, with a daily penalty of XXXX USD per day, - a disciplinary indemnity of XXXX USD in our favor for failure to comply with their financial obligations and improper retention/or breach of trust, - plus appropriate administrative sanctions for WISE 's failure to comply with their license.
What would be a fair resolution of this issue : - restitution of our assets with interest due - deliver the requested statements of financial accounts
|
| 10/18/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
Beginning, XX/XX/XXXX, a Woman who says her name is XXXX XXXX, claimed to have a company called XXXX. The websites are still up and she claims to sell Luxury Designer Brands. After a lot of manipulation and storytelling, I was invoiced for my first order. Her only means of payment was through the app called Transferwise or XXXX. Well, after a month, and placing several orders of which 4 of my friends committed to because they trusted me. It turned out to be a HUGE fraud scam and I've been desperate to get Transferwise to help. They refused, time and time again. My credit union/bank said they couldn't do anything, they've even dropped the ball on two chargebacks where I used my debit card and can file it for items not received. XXXX was the only ones who showed some sort of decency so far and told me that XXXX XXXX XXXX XXXX should have done that first! Now, we are talking 18 days since I figured out this terrible person 's scheme and started this beg for money back. Worse, I've been accused of scamming and fraud until someone finally hears this crazy story. On, XX/XX/19, I called ( while standing in the managers office of XXXX XXXX -- per her request ) asking transferwise to send the money back to my bank but they said it was too late, it had released to the scammer that morning. They also stated that they do not get involved with disputes between buyers and merchants and users. After relentless emails, they asked me for information and I haven't heard anything since. To make matters worse, the woman closed my account and little did I know, you can't review your transaction history if it's closed. I'm being held liable for {$10000.00} of my friends money ( whom paid me through XXXX ) and trusted me since they didn't have Transferwise ( I only got it for this sole purpose! ). XXXX XXXX, the scam artist, received payments for 5 invoices through Transferwise ( of which pulled from my XXXX XXXX XXXX XXXX Checking account ) totaling, {$10000.00}. The total stolen to include XXXX transfers to her XXXX account is over {$14000.00}. Which is more than I originally thought! I've filed a police report, I've hounded XXXX XXXX, XXXX, and Transferwise. I've submitted it to the ic3.gov and other organizations. I've had my friends post about the scam on social media to hopefully protect others, but I'm desperate over here!! I've gotten no justice, no help and I don't have this kind of money. My friends banks didn't blink an eye to help them file chargebacks ( which they totally should since they didn't get any items ), however it looks like I'm the one with the most to lose and no one will do anything for me. Please help!
|
| 06/07/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
On XXXX XX/XX/2021 I made an international money transfer of precisely USD XXXX using the XXXX ( formerly Transferwise ) service. The receipt can be found attached, the # is XXXX ). Until today the amount was not credited in my account in XXXX. XXXX local partner requested a mountain of documentation without justification. How so?
As is laid out on XXXX FAQs once a remittance amount supersedes USD XXXX these documents are required by lhe local ( XXXX ) XXXX XXXX and in accordance to international XXXX standards : XXXX XXXX XXXX? origin=search-XXXX XXXX : XXXX? origin=search-XXXX Clearly, this criterium was not met in this case, the amount did not supersede USD XXXX as per receipt attached.
Verifying the FAQs of XXXX partner bank in XXXX the requirements for documentation are specified in more detail ( please find the full document attached ) : I did my transaction with International partners ; why should I send my documents to XXXX XXXX?
Answer : XXXX XXXX acts as an international correspondent that provides payments, and is obliged by the XXXX XXXX XXXX XXXX to keep the registration documents and the origin of the funds according to their use.
If the total amount operated in the last 12 months exceeds R {$100000.00}, XXXX XXXX will ask for : Identification document, CPF, proof of address, forms of XXXX XXXX XXXX registration form and power of attorney ) and documents to prove the origin of the funds.
What is the reason for signing a Power of Attorney for XXXX XXXX?
Answer : According to XXXX XXXX Circular 3,691, any transaction above US {$10000.00} requires a signature on an exchange contract.
In order to improve the customer experience, we have made available the specific Power of Attorney to XXXX XXXX, allowing us to sign on your behalf when you have contracted the operation. Bear in mind mentioning that this Power of Attorney is only valid for abroad incoming remittances, sent by XXXX XXXX 's partner financial institutions.
Again, neither one of these criteria was triggered in my case.
When speaking to the XXXX Customer Support team on the issue they simply refuted these criteria as well as the information provided on their own site and responded that the XXXX partner bank could request any documentation, at any time for whatever reason. This statement is not backed by above instructions of the XXXX XXXX XXXX They also cancelled the transaction without authorisation.
As the XXXX XXXX XXXX now confirmed the amount XXXX passed on to them was the equivalent of USD XXXX therefore triggering the request for said documentation. This is obviously inconsistent with the operation I executed.
|
| 01/27/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
Older American |
|
Good Afternoon, I am respectfully requesting your assistance to recover funds from TransferWise of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
I hold 2 accounts with them a business account and a personal account.
1. On XXXX XX/XX/2021 I received an email from TransferWise support advising me that an incoming wire for US {$63000.00} was on hold pending additional documentation being sent. I complied immediately and sent the requested documentation.
2. On XXXX XX/XX/2021 TransferWise support contacted me again requesting invoices for 2 incoming wires for XXXX XXXX XXXX and XXXX XXXX XXXX. Again, I complied immediately and sent the requested documentation. These wires were returned to my XXXX.
3. On the XXXX XX/XX/2021 support contacted yet again advising me that my accounts had been suspended. No notice period was given nor any reasons for their actions.
4. TransferWise support then advised me that returning my account balances could take up to 90 days due to your compliance procedures.
5. The balances suspended are US {$780000.00} in my business account and US {$2400.00} in my personal account.
I am extremely frustrated by the fact that you suspended my accounts with zero warning, which I consider to be totally unprofessional and extremely unethical.
Most of the funds in my business account were earmarked for my XXXX and now I find myself in a position whereby I can not fulfill my financial obligations in a timely manner thus affecting my credibility and good standing.
I have since complained and appealed for a refund and received the below email on XX/XX/2021.
Hello XXXX XXXX, Weve decided to keep your TransferWise account closed.
Because you still have money in your TransferWise balances, we'll work on sending it back to your bank account. But first, we need to carry out due diligence checks. While we do that, your money and information will be safe and secure.
This can take up to 60 working days. Please get in touch with us after that time so we could give you an update about the money held in your balances. We wont be able to provide any info on this in the meantime.
Unfortunately, we cant tell you the specific reason why weve closed your account its because of how were regulated. But you can read our Terms of Use, where we explain how were allowed to close accounts.
Thanks, The TransferWise Team I have a full set of emails from TransferWise should you require these.
I have grave concerns about the way this organisation is conducting their business activities and how they can treat consumers in this way.
I really do need your assistance with this matter.
XXXX, XXXX
|
| 11/22/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
Hello Sir, Today XX/XX/2023, I received the final resposne from Wise after complaining through your platform. Their response is similar to what they provided to me on XX/XX/2023. Today they just added some TOS. In their previous final response, they didn't mentioned I was a victim of a scam and I forwarded that complaint to XXXX XXXX amd XXXX XXXX didn't upheld the complaint due to wise lack of information which they provided now. But, XXXX XXXX has said to me now, they will not consider the same complaint. Wise again waisted my 1 month of time from XX/XX/2023 to XX/XX/2023. And previously they waisted my time from XXXX XX/XX/2023 to XXXX XX/XX/2023. And they didn't do anything or reveal where my money goes and how to recover it. Now, they are saying I am a victim of scam and now I can recover those money after 14 months? Here Wise shows professional negligence.
Sir, I am a XXXX XXXX. I am XXXX XXXX and I can't do day-to-day work. I haven't been able to see doctors for due to lack of money which I lost on Wise platform. I have asked wise so many times from XX/XX/XXXX to recover or reverse my transections and asked them before moving my funds there on my Wise account. But, Wise didn't do anything to safegurd my money when XXXX XXXX is transferred to another Wise account name " XXXX ''. I didn't authorize those payments and my account logged in from a different country. I don't have this kinds of large funds transfer previously, which Wise should have detected.
Sir, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Sir, I will not be able to bear this pain anymore. If I knew this could happen to me, I would never-ever transfer my funds to Wise. Sir, I am an XXXX XXXX and those were my only fund left which I have been looking to get reimbursed for the last 14 months!!!
I have a XXXX XXXX and we don't have any health insurance or govt. helps which can support me to see a doctor. It was hard earned money of me. I am needy person and from XXXX XXXX XXXX. I really don't know how this happened.
Sir, I with this XXXX XXXX and XXXX and tension for my lost money, XXXX XXXX XXXX XXXX. I am unemployed.
Wise attached a transection history where it shows my money goes to XXXX XXXX XXXX XXXX. I don't know anything about this. My money goes to another Wise account holder named " XXXX ''. I am not technically sound to understand this and I don't have any family member or support to discuss this.
XXXX XXXX said they will not consider my complaint again. Sir, where I will now refer my Wise second final response to?
|
| 10/20/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I would like to submit a complaint concerning potential financial malpractice involving Wise XXXX. I believe that their activities may warrant a thorough investigation to ensure transparency, fairness, and compliance with financial regulations.
The first case : My client issued the XXXX money transfer on XX/XX/XXXX, claiming that the fund would arrive to my bank account no later than in XXXX working days. Additionally, they asked me to provide some information to verify me as a recipient. All the information has been provided within a few hours after the request. Meanwhile, they advised me to use the XXXX sample in the transfer invoice they provided to my client so my bank could allocate the transfer. I have contacted my bank and provided this data, but they couldn't find the transfer. My client has contacted Wise a few times but got the same response : use the XXXX sample in the transfer invoice. The transfer finally arrived on XX/XX/XXXX. The XXXX number, sending bank, and reference number differed from the ones stated in the initial transfer invoice.
The second case : The same client sent me another XXXX transfer on XX/XX/XXXX. According to the tracking link provided by Wise, the transfer should arrive no later than XX/XX/XXXX. On XX/XX/XXXX, my client contacted Wise regarding the transfer status, and they stated that it was successful and that I should use the XXXX sample stated in the transfer invoice issued on XX/XX/XXXX. Again, my bank was not able to detect this transfer. On XX/XX/XXXX, they demanded that I submit my bank statement showing all incoming payments to my account to ensure that I don't lie. Though it contains sensitive information, this statement was submitted for their investigation. No further reply was not received. After numerous attempts to contact them and find out the status of the transfer, the money arrived in my account on XX/XX/XXXX. And, as in the first case, the XXXX number, sending bank, reference number, and date differed from the transfer invoice.
Considering these two cases, when Wise XXXX held money for no reason and no explanation on the transfer status, I believe that this was made intentionally and can be a sign of financial malpractice. There are also tons of negative reviews on their XXXX page, Trustpilot page, and other social media regarding similar situations, blocking accounts for no reason after receiving confirmation from users, or changing account details without any notice.
Please, find the transfer invoices by Wise and XXXX confirmations from my bank as proof.
|
| 11/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
We hereby file a complaint against WISE for their actions.
The facts : We opened a multi-currency bank account for our company with WISE in XXXX.
WISE closed our company 's accounts, which would have been lawful if they had acted in a professional manner, respecting their client 's rights and business, i.e. all the legal rules incumbent on financial intermediaries.
In fact, this closure was carried out suddenly, without any reason, without any notification, and without any notice period, disrupting the business activity of our company.
Overnight, we were denied online access. Having received no prior notice from WISE, we estimate the closing date to be around the end of XX/XX/XXXX.
What's more, since our access has been totally blocked, WISE has prevented us from retrieving a summary of our financial accounts for XXXX and the year-end, so that we can take copies and print them out for our auditors. As a result, we are now unable to justify our accounts, with the corollary of unjustified requests for payment to customers and major reporting problems.
Since this closure and despite our requests, email contacts, complaints, and formal notices, WISE has implicitly : 1/ refused to return our assets 2/ refused to provide the data they are obliged to communicate to us, i.e. the account statements requested ( for the years XXXX and XXXX up to the date of closure of the accounts, then liquidation ).
In the absence of a solution and fed up with their procrastination ( contacts with WISE 's COMPLAINT department have gone unanswered, WISE has twice failed to meet their own deadlines for supposedly dealing with problems- which ones? ), we are forced to lodge a complaint against WISE for misappropriation of funds and improper retention of our financial data, this type of behavior being clearly contrary to the obligations that WISE or its parent company entered into with your organization to obtain their license.
We request your intervention as the supervisory body for this financial company, and we would like you to take the following appropriate coercive measures against WISE : - restitution of our assets with interest due, - a summons to deliver the statements of financial accounts requested, with a daily penalty of XXXX USD per day, - a disciplinary indemnity of XXXX USD in our favor for failure to comply with their financial obligations and improper retention/or breach of trust, - plus appropriate administrative sanctions for WISE 's failure to comply with their license.
|
| 03/31/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
I register account in TransferWise company to use service of international transfer to XXXX ( XX/XX/XXXX ).
After my registration was completed, I set a transfer to XXXX for amount of {$100.00} XXXX. To complete transfer I had to top up my TransferWise account with amount of around 110 USD. XX/XX/XXXX I transfer money to Transfer Wise company from my private account - amount of {$110.00} USD.
After that TransferWise deactivated my account, cancel the transfer that was set, and block my money.
I send the email XX/XX/XXXX with questions 1 ) how to access account 2 ) when the transfer will be completed The answer inform me that : 1 ) my account is deactivated and following the regulation of company the investigation process for find reason may take up to 60 days.
2 ) my transfer is cancelled.
I request to get my money back. I had name this practice by stealing. However TW ask me for account number and proff of ownership to account. - I am a tour guide and I don't carry that kinds of documents with me!
Due to those procedures ( which I doubt are legal to the law ) I wait to get my money back till XXXX.
I received amount of {$90.00} USD to my account.
Differences 16.6 % less than I send. - $ XXXX.
I wrote email to clarify this, and answer from TransferWise said that : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hello XXXX, Thanks for your response!
We received funds from you as a SWIFT hence we processed refund using the same payment method.
Please note that SWIFT payments incur extra charges as intermediary banks as well as receiving bank may charge their own fee.
Unfortunately, we are not aware and have no control over these fees.
Just in case, you can read more about SWIFT here.
I hope this explains why you have received less. Please, let us know if you have any questions We are happy to help!
Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Today is XX/XX/XXXX.
- I did not receive email that explains reason of why services I ordered was cancelled, account deactivated, money blocked.
@ transferwise stuff informed : following theirs " company regulations '', account may be deactivated and investigation XXXX take up to 60 days, after that email will be send. They did not.
- I transfer to TransferWise {$110.00} USD, and after unknown reasons of refusing me to use their service, I received back to my account amount lower of 16.6 % / $ XX/XX/XXXXUSD.
|
| 09/16/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I used XXXX to transfer XXXX dollars from my US account to my account in The XXXX ( XXXX ). Because there was a lack of funds in my US account, there was a chargeback that occurred after the transfer was completed. This left me owing XXXX XXXX dollars but I did not notice it.
On XXXX, I noticed the amount owed from the transfer and contacted XXXX 's customer service line. The agent explained to me the situation. I asked if I could use my XXXX account to pay the XXXX dollars in Eur. The agent told me that this was not possible. I explained that I had to move a large amount of money from my XXXX account to my US account to service a US-based debt, with a payment date of XXXX, not related to this transaction. I asked the agent if I could transfer XXXX Eur from my XXXX account to my US account using their service then pay them in dollars. She stated that this would be an acceptable way of paying. I initiated the transfer on XXXX.
I was then contacted by their debt collections team on XXXX stating that the transfer had been placed on hold due to the outstanding debt that I owed them. I attempted to contact their team via their customer service chat. Each day I was told that they could not contact the team directly and I had to wait for them to process my complaint. On XX/XX/XXXX I was contacted via email from their debt department stating they could take the XXXX dollars in equivalent Eur from the transfer. I contacted their customer service team stating that this was fine however I needed the transfer expedited as I was already past due on my US-based loan. I did not hear from them until XX/XX/XXXX stating that I needed to create an additional transfer request in the amount of XXXX Eur. on XX/XX/XXXX I contacted the customer support team as I was going to be charged an additional XXXX Eur in transfer fees from doing it this way. The agent stonewalled me and stated that they didn't have any answers for me. I requested to speak with a higher-up customer support manager but was denied.
I understand that the original issue was because of me. However, due to XXXX XXXX customer service agent 's incorrect information, this transfer was placed on hold and I am now overdue on my loan. I have incurred additional financial harm via late fees and now an additional XXXX Eur in additional transfer fees due to their customer service agent 's incorrect information.
|
| 07/06/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
Dear Sir or Madam, My name is XXXX XXXX XXXX from XXXX, owner of XXXX XXXX XXXX XXXX a travel agency holding a membership account with Transferwise.
Were informed about XXXX XXXX is apparently one of the Transferwise partner banks and we are contacting you for help since Transferwise staff say that the matter is beyond their control and its to be handled by their partner bank.
On XX/XX/1919, we initiated a XXXX USD wire from our Transferwise account going out to XXXX XXXX XXXX as payment for gorilla tracking tickets for our clients. The wire was meant to take just a few hours to reach the recipients account but didnt.
On Tuesday XX/XX/1919 afternoon, we received an emails from XXXX saying ; Hi XXXX, Im getting in touch regarding your recent transfer no. XXXX with TransferWise in the amount of XXXX USD.
Due to our regulatory obligations as a financial institution, we sometimes require to conduct due diligence. Which means- were occasionally required to ask for additional information from our customers.
Therefore, please reply back to this email and provide us with the following : What is the purpose of this payment?
Please advise what XXXX in payment reference field is referring to? If it is an individual, please provide us his full name and date of birth.
Is there any direct or indirect involvement of any prohibition countries ( XXXX XXXX, XXXX, XXXX, XXXX, and XXXX ) in this payment/transaction?
Please note that should we not hear back from you, we will not be able to proceed with this transfer, nor will we be able to process any future transfers for you.
Best regards, XXXX We sent all the required information ( in attachments here ) and followed up with several emails but there has been absolutely no response neither have they remitted the funds to the intended recipients account.
And just to help you understand our company better, were a safari agency and the funds we transfer are actually not ours but were sending them out on behalf of our customers who even have no idea about Transferwise. The funds are meant for gorilla passes for our customers, some of whom are already in the country but cant see the gorillas because funds to purchase gorilla tickets are being held in Transferwise partner bank which do even understand the urgency of the transfer and the frustration this causes to customers and our agency as TW customers.
XXXX
|
| 10/23/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
Older American |
|
As a customer of Wise Account, I contacted that entity in an effort to execute damage control after my Wise debit card had been stolen in XXXX, XXXX on XXXX XXXX, XXXX
When I contacted Wise to 1 ) block my card, and 2 ) send a replacement card, I was initially told that Wise was forbidden by law to send a replacement card to the hotel at which I was staying in XXXX. Upon further questioning from me, they indicated that there would be no point in doing so since the card needed to be activated in the United States. At that point, I suggested that an authorized user in my family activate the card for me per Wise 's requirements and then send the card to me via overnight delivery ; Wise refused, then canceled my request for a replacement card.
-- I contacted Wise again to complain ; they credited me the {$5.00} replacement card fee, but still did not issue an order to ship me a replacement card -- It took a fourth complaint to get them to agree to send an actual card -- The replacement card didn't arrive for three weeks -- long after I had arrived back home in California In addition to unacceptable delays and inattention to my requests, Wise did not respond to communiqus. To date, the following requests made by me have been ignored by Wise : -- A refund of the wire transfer fees that I paid when I transferred funds from my regular United States bank account to my Wise account -- Fee waiver of any and all fees associated with future account activity Because my requests were ignored, I tried to activate the replacement debit card from my home in California so that I could transfer all funds out of my Wise account ; however, that action precipitated a double charge to access my own money.
My attempt to activate the Wise card failed ; I told customer support the same. My requests were delayed further by Wise 's announcement that they needed " proof '' of the card activation failure. I had already provided the requested information.
Today 's ( XXXX XXXX XXXX ) current status regarding this situation -- which commenced on XXXX XXXX XXXX -- is as follows : All three of my requests for credits against wire transfer fee charges have been neglected : no response and no refunding of charges.
No action has been taken to remedy the lack of service with respect to my case.
I have not been apprised in any way of the status of my resolution request.
|
| 02/22/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
In XX/XX/XXXX, based on a friend 's recommendation, I visited a vacation rental home website to rent her neighbor 's property in XXXX, California, USA. The vacation rental home website is called : XXXX. I used the right side of the website called " Contact Owner '' to reach out to the owner. I received an email from the owner, XXXX, who let me know that the property was only available for 26 days at a time, as such, I did not move forward. I also received another email from the email address : XXXX. The contact was named XXXX XXXX who asked for desired check-in/out dates, number of bedrooms, and preferred location. He also asked about preferred budget and stated that he manages a lot of properties and could offer an attractive discount. I responded with my preferences and he sent an offer for a vacation rental property. He included a link to view the property via XXXX. I asked for the address of the property and he provided the following address : XXXX XXXX XXXX XXXX, California. He let me know that 50 % of the total was due as a deposit and the remaining amount was due 30 days prior to the arrival date. He also let me know that the owners of the property live in XXXX and require payment with the company XXXX ( formerly TransferWise ). I recognize XXXX as I have used the company in the past and already had an account. Therefore, on XX/XX/XXXX, I sent the money through XXXX to the stated " Owners '' of the property : XXXX XXXX and XXXX XXXX.
Eight days later, I realized that the transaction was a scam after Googling the email address ( XXXX ). There were at least 20 reviewers with similar experiences that claimed this entity was a scammer for rental properties. At this point ( on XX/XX/XXXX ), I reached back out to XXXX via email to ask for the money back, and he agreed to send the money via check to my mailing address. However, the check did not arrive. I let him know that the money did not arrive and asked him to reverse the XXXX transaction. However, I did not receive a response from XXXX. After this, I contacted my bank. My bank provided a temporary reimbursement while an investigation was performed. After the investigation was complete 60 days later ( XX/XX/XXXX ), the reimbursement was removed since my bank determined that XXXX is the company responsible in this matter. As such, I am looking to get a refund for the amount with XXXX.
|
| 10/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I purchased airline tickets from XXXX XXXX and authorized an amount of {$1600.00}. This was immediately debited to my account and showed up as pending. A few days later, I received notification from my bank that the transaction had not been completed and that the money had been returned to my account. I tried to contact XXXX XXXX repeatedly to find out what had happened, but the wait time to speak with an agent was over 8 hours. Since I was desperate to get to our destination for a wedding as well as to see my terminally ill father, I booked alternative flights with another airline. It later came to light that XXXX XXXX had debited my account with XXXX further smaller transactions totalling the same $ amount as the original transaction, but because this is a multi currency borderless account, this was not obvious because the amounts were actually debited in British Pounds. I contacted Wise for further information about these amounts and found that under authorization they both said " authorization unknown ''. Wise agreed that since there had been no communication from XXXX XXXX as to what they were doing, that these transactions were not in fact authorized and they would initiate a chargeback to get the amounts refunded to me. They later reneged on that verbal agreement and said there was nothing they could do. I do in fact have an email from XXXX XXXX at Wise dated XX/XX/2022 which states that an amount of {$1600.00} was debited on XX/XX/XXXX. It also states that instead of debiting that amount the merchant split the payment and debited additional amounts BEFORE the first transaction was refunded on the XXXX and XXXX of XXXX respectively. I have attached a copy of that email. As it clearly confirms in the email, the transactions say " authorization unknown ''. I contacted XXXX XXXX separately and they said because the ticket is non-refundable, there is nothing they can do. I did tell XXXX XXXX before the flight departure date that I would not be using the tickets and therefore they were free to resell those seats, which I am sure they did. In summary, These smaller transactions were not authorized, Wise agreed that they were technically fraudulent and that they would help us and then renegued. I need to know that my interests are protected when I used my card, and in this case they were not. I need a refund as soon as possible.
|
| 05/12/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
|
Hello, On XX/XX/2023, we transferred {$1800.00} USD to XXXXXXXX XXXX XXXX using Wise ( https : //wise.com/us/ ). We paid in USD and Wise converted the amount to XXXX ( {$1500.00} XXXX XXXX since XXXX XXXX is located in the XXXX XXXX.
We followed up with XXXXXXXX XXXX immediately after sending the payment via Wise and for several weeks afterwards. She did not receive our payment. She contacted Wise several times and Wise stated she they were unable to talk to her or assist her since she is not the sender. XXXX also worked with her bank and they confirmed our payment was not received. She has bank statements to show the payment was never received.
XXXX was advised by her bank that we ( the sender ) needed to recall our funds to ensure we did not lose the money. We recalled the funds and received the money back in our bank. However, Wise is now saying we recalled the money from them and we owe the amount back to them.
I do not believe we owe this money to Wise because the service they provide was not fulfilled. I do know where they transferred our payment to but it was not the intended recipient. We have been working with Wise customer support since early XXXX and they took weeks to investigate and trace this issue with the recipient 's bank. Wise has completed the trace and said : Regarding your recent error request and claim, we appreciate your patience.
Weve finished investigating to determine whether the funds were completed by Wise and sent to the recipient 's bank account. What weve found from the trace is that the funds were completed and sent to them in XXXX, but the recipient 's bank converted them to USD. You have the right to request any documents weve relied on in our investigation to come to this conclusion. We have requested documents from the investigation and have received nothing. We simply do not agree with the conclusion to their investigation because the recipient never received our payment and has the bank statement to provide it.
Wise has threatened collection and legal action to us several times. We dont know what else to do and any help you can provide would be much appreciated. This is a lot of money and we do not believe we should have to pay Wise since our payment never reached the recipient. Please let me know if you need any additional documentation.
Thank you, XXXX XXXX
|
| 11/28/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
On XX/XX/XXXX, I used Wise to donate {$120.00} to XXXX. I received the notification from Wise that the money has been successfully transferred, and my contact in XXXX confirmed it.
A week later, Wise emailed me saying that there was a problem with my transfer and that they were unable to withdraw money from my bank account. They instructed me to top off my Wise account via a wire transfer, which most banks charge for. It made no sense to pay a {$25.00} fee on a {$120.00} transaction, especially since, from my perspective, the problem was on Wise 's side.
I asked if there were any other ways to transfer the money to them ( again ) and was given the option of ACH transfer, which I ( again ) set up.
This failed ( again ), and Wise requested that they need to " verify '' that I am, indeed, trying to send them {$120.00}, by providing whole host of private information : A copy of my passport photo page, or both sides of a drivers license or national ID card ; A photo of myself, holding my photo ID next to my face ; A copy of a recent bank statement, credit card statement or check.
All for me to pay them the {$120.00} they weren't able to transfer from my bank account, which, arguably, is the very service they claim to provide. From the account I have already used for a while.
When they did not receive the information above within XXXX days, ( who has the time to jump through all these hoops right away for {$120.00}? ), they canceled the transfer.
Less than a week later, they sent me a " Final Notice '', threatening to send a collection agency after me if I do not wire the money to their bank account. No attempt to resolve this situation has been made by Wise.
Finally, I received a notification that my account had been closed and that I should expect a collection agency to contact me. I responded to Wise, expressing my disappointment with this experience, and, again, was not offered any viable option to pay the balance without incurring unnecessary fees.
When the collection agency contacted me, I paid the balance off immediately. It was an easy choice between a credit card and an ACH payment. However, I strongly believe that this should never have never been taken to this point and that Wise should have attempted to work this out without imposing third party fees or asking me to take selfies.
|
| 02/02/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
Hi, This is a continuation of a complaint ID XXXX. Please reopen the case since I have new findings : This isnt about fraud, Its about a financial Institution that should have a fiduciary duty to customers.
I flew to XXXX to meet with XXXX bank in person and further investigate the case.
The customer care agent was totally understanding and willing to helpwithin the banking regulations of customer confidentiality.
She confirmed that neither the address or the name of the beneficiary matches the account XXXX. Furthermore, she directed me to the branch location where the account was open. She advised me to meet with the branch manager.
The branch location is XXXX bank XXXX XXXX XXXX XXXX XXXX The branch manger, XXXX XXXX XXXX confirmed the following : - The account name is not in the name of Cosal Interiors - The account address is not the one in Wise receipt.
- The bank has never received any request or any corespondents from XXXX or any other financial institutions to return the fund. Even if it was directed to any other department, it would have arrived to him since the account is in his branch. He mentioned Have I received a request from the sending party, we would have refunded the amount since neither the account name or number matches the XXXX.
He refused to send me the above in writing since Im not the account holder. However, he said that he can put that in writing if a formal request from the sending party was addressed to his bank through the proper channels.
Based on the above facts. Please consider the following : - XXXX should have been acted as a fiduciary to protect their customers by making sure that the XXXX, address and account name matches what I provided.
XXXX XXXX falsely claims that they have attempted to recover the funds but they never did.
Please find a link to : - The branch manager business card : XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - Fax XXXX XXXX XXXX XXXX : XXXX -Videos of my conversation with the manager. Its in a bad quality but it its a best I could get. XXXX sure we can suppena him or depose him if needed. He doesnt speak English, his assistant was translating for him.
XXXX XXXX XXXXXXXX? XXXX I appreciate looking at this case from a different perspective and not to treat it as a fraud case.
Thanks
|
| 10/08/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
Good morning, I will put you in situation so that you can see the seriousness of the acts of Wise US Inc. and XXXX XXXX, as well as the acts of their employees regarding this case.
Wise XXXX XXXX closed on XX/XX/2022 my company account ( XXXX XXXX XXXX XXXX ) without any reason and left me without money to be able to eat or have accommodation while I was traveling in XXXX, XXXX.
I had to sleep several days in the street and I could not eat on several occasions for lack of money because Wise had blocked the access to my money and they did not offer me any solution until several weeks later.
I was able to survive thanks to my family because they sent me money and I had to ask for medical assistance for XXXX XXXX XXXX XXXX and go to the Spanish embassy in XXXX for help and support, in addition to denouncing what had happened to me.
Today it is XX/XX/2022 and I have STILL NOT RECEIVED THE MONEY FROM MY COMPANY ACCOUNT XXXX XXXX XXXX XXXX. This money corresponds to a sum of XXXX USD ( all my life savings and all the money I HAVE ).
I am still waiting for a TOTAL OF 31 days to receive the remaining money from my XXXX XXXX XXXX XXXX account, which Wise XXXX XXXX XXXXold me they will sent to my company account in XXXX on XX/XX/2022.
This transfer, which Wise XXXX XXXX told me was made, was made on XX/XX/2022 to my company bank account XXXX XXXX XXXX XXXX in XXXX XXXX, but after talking for several days with XXXX XXXX, the transfer does not appear in their systems or this is what they told me.
So I'm still waiting for 18 days to receive a transfer that Wise XXXX XXXX made to my own business XXXX XXXX account.
I have also spoken with XXXX XXXX repeatedly by email and phone and they tell me that they have no record of this transfer in their systems and that they can not track the transfer.
And NOW there is ANOTHER PROBLEM : Yesterday XXXX XXXX blocked and closed my company account, that same company account that was waiting for more thanXXXX days to receive the amount of XXXX USD from Wise XXXX XXXX .
XXXX XXXX closed my account for no apparent reason ....
So the question here is : Where is my money then? Can you see that this is a really serious problem?
And I want to repeat this again : who is going to pay for the damages caused to my company and person?
|
| 01/05/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Money order
|
- Lost or stolen money order
|
|
Web |
|
|
They wont give my back XXXX XXXX, Thanks for getting in touch!
In my previous email I mentioned that I was referring to the email screenshot you sent with 4 transfers in an email from Wise. Those are the ones we saw were already refunded. I've attached the screenshot you sent us for clarity.
You have now confirmed that these other 4 transactions are the only transfers you are stating were not made by you.
XXXX ( https : XXXX ) - XXXX USD XXXX ( https : XXXX ) - XXXX USD XXXX ( https : XXXX ) - XXXX USD XXXX ( https : XXXX ) - XXXX USD We will be sending you our final response shortly.
Thank you, XXXX Complaints Officer | Wise XXXX XXXX XX/XX/2023, XXXX XXXX XXXX ( https : XXXX ) - XXXX USD XXXX ( https : XXXX ) - XXXX USD XXXX ( https : XXXX ) - XXXX USD XXXX ( https : XXXX ) - XXXX USD Those havent been chargeback. My bank told me you declined those claim. You havent refund me those yet.
XXXX XXXX ( Wise ) XX/XX/2023, XXXX XXXX Hello XXXX, Thanks for getting back to me so fast.
From the screenshots ( to confirm with you ) you're stating that the following transfers were not made by you to this recipient : XXXX - XXXX USD XXXX - XXXX USD XXXX - XXXX USD XXXX - XXXX USD XXXX - XXXX USD We're aware that you've already filed chargebacks with your bank for the XXXX transactions in the email screenshot and thusly have already been refunded.
Please let me know if I've misunderstood anything.
Thanks, XXXX Complaints Officer | Wise I didnt even talk with someone from fraud department? I got spam. I told my bank. They told me I could speak with you about this matter. This person hack my account and took my money. What should I do? This is ridiculous. All they say is Wise doesn't help me in any way. I will never do business with your company if you don't protect my account. I have lost XXXX from your business. You won't even investigate it. You keeping saying you don't get involved with dispute.
The person is blackmailing me and forcing sent email to you. He make me screenshot and sent email to me. I told my bank. He might come back to me and my family. First he targeted my school and classmates XXXX customer is blackmailing me. I am scared of my life. I think he is trying hack my account before and sent himself the money. I have called my bank about this.
|
| 04/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XX/XX/XXXX Evening XXXX XXXX Laptop received a pop-up stating to call " XXXX Support '' XXXX.
This number stated they were authentic XXXX XXXX. They performed various things on my laptop and I was told I needed a new FIREWALL, which would cost {$440.00}. They transferred me to a company THEY suggested to have the firewall installed. They worked IN my laptop for several hours requesting address, DOB, laptop password, and of course, credit card number. Because they were working on it until late Tuesday night, they said they would call me the next day.
XX/XX/XXXX Morning Being suspicious, I contacted my number for XXXX XXXX to confirm whether work had been completed on my laptop. The REAL XXXX XXXX said no activity was done by REAL XXXX XXXX but numerous corrupt malware had been installed. The REAL XXXX technician cleaned it all up. I have changed numerous passwords and canceled existing credit cards. I have notified all banking institutions.
The REAL XXXX Care, who repaired all their corrupt malware, gave me a case number, in the event they must be contacted for the damage observed : XXXX XX/XX/XXXX Afternoon The charge from TRANSFERWISE of {$440.00}. was PENDING on my credit card. The CASE NUMBER is XXXX. I called the XXXX number requesting the charge be reversed but they became angry and demanded I do not call them again.
LATER, I happen to receive a call from same scammers from number XXXX explaining they were NOT able to install the firewall and wanted to attempt it again. I actually had them repeat the statement " did NOT install it yet ''. Without letting on to their scam, I informed them I was no longer interested ( since they had not completed it ) and asked to have the charge on my credit card reversed. " No problem, we have a MONEY BACK GUARANTEE. I asked the name of their company - they said XXXX but I suspect it is fake, also.
XX/XX/XXXX, + XXXX, XXXX XXXX sends emails requesting a PHOTO ID. Needless to say, I did not respond. They stated the transaction would be " unsuccessful '' if I did not provide photo ID ( which is what I desired ). Their last email, XX/XX/XXXX stated it was, in fact, unsuccessful and I would be refunded.
XX/XX/XXXX The TransferWise charge is now in POSTED charges on my account ( versus the earlier PENDING ). No refund.
|
| 06/04/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Dear Customer Financial Protection Bureau I am writing to file a formal complaint against Wise Payments Limited regarding the unjust closure of my account without providing any valid reason or justification. I am seeking assistance and intervention from the Customer Financial Protection Bureau in resolving this matter.
On XX/XX/2023, I attempted to log into the Wise Payments Limited platform and was met with a notification stating that my account had been deactivated. To my dismay, the notification did not provide any explanation as to why this action was taken, leaving me in a state of confusion and frustration. Furthermore, it stated that I could file an appeal, but the system prevented me from submitting any information or details for the appeal process.
As a loyal customer of Wise Payments Limited, I have always adhered to the terms and conditions outlined in the agreement. I have consistently utilized their services responsibly and have never engaged in any activities that violate their policies. Therefore, I find it unjust and unreasonable that my account was closed abruptly without any notice, explanation, or opportunity to address any concerns that may have led to this decision.
The lack of transparency and communication from Wise Payments Limited has resulted in significant inconvenience and potential financial loss for me. Without access to my account, I am unable to use my funds. This situation has caused immense stress and uncertainty regarding the status of my account and the funds associated with it.
I have made numerous attempts to contact Wise Payments Limited to seek clarification and resolution, but all my efforts have been met with automated responses or non-responsive customer service representatives. Despite my persistent inquiries, I have yet to receive any substantive information or a satisfactory explanation for the closure of my account.
I believe that Wise Payments Limited has violated my rights as a consumer by closing my account without providing a legitimate cause, denying me the opportunity to appeal, and failing to respond to my subsequent inquiries. Such actions not only disregard consumer protection regulations but also demonstrate a lack of professionalism and fair business practices.
Yours sincerely, XXXX XXXX
|
| 10/14/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Confusing or missing disclosures
|
|
Web |
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I have a XXXX XXXX XXXX company. And I decided to use wise ( formerly known as transferwise ) to transfer {$21000.00} to my overseas supplier for the goods purchased.
I completed the forms as described, and the disclaimer was informing that it takes 1 business day. I wired money to wise 's XXXX bank account from my XXXX bank account, and they were supposed to wire this money to my overseas supplier ( this is how wise operates in the XXXX ) as soon as they receive the money.
Then, however, they sent me an email saying 'Weve received money for your transfer of USD to XXXX USD. But we couldnt confirm that it came from you. ' And they asked me to provide additional documents showing I own the bank account the money was sent from. In only 1 minute, I provided all the documents ( wire details, bank statement etc. ) which prove I am the sole owner of the account and my company, I wired the money etc.
Then they did not take any action, and remove that transaction from my dashboard. It was pending before, now it shows nothing as if I did not send money to transferwise. They were supposed to solve it in 1 day ( as they stated so ), not they are saying it may take up to 3-5 working days to verify the documents. I say if you are not wiring it to my supplier, I want my money back and they are not even answering this request.
This company keeps giving wrong information, holding my money and blocking my business ' operation. If I can't pay to my supplier today, it will be a late payment and I will fail to make required payment on our debt.
With their way of fraud, they harm my and my company 's financial and reputational health. I believe CFPB should take an action against such companies, holding our small and family business owners ' money for no reason. They are not verifying the account ownership, they are just ignoring my emails, extending the time and keeping the money in their own bank account.
They keep providing conflicting information ( 1 working day suddenly becomes 5 working days ). That is why I wanted file a complaint against wise.com. The existence of such companies causes the confidence in the whole sector to be shaken. A financial services institution that constantly provides conflicting information is causing the suffering of its customers.
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| 05/29/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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This complaint is about the company XXXX ( formerly TransferWise ) which I use frequently for sending money abroad. However this transaction was between two USD accounts. Both accounts are XXXX accounts, that of myself and my sister.
The fundamental complaint is that on XX/XX/2021 XXXX sent XXXX to an account without confirming the name on the account matched the account number. I had mistyped in the account number ( transposing the last two digits ) of my sister for whom the money was intended. Thus the funds went to an account with a name which did not match the number.
Note that : ( i ) The receipt I received on both the phone app and the website indicated the transfer had gone to the right place - ie they contained the name of my sister. Only the emailed receipt ( which I would not normally check, but happened to see within a few minutes ) contained the name of a person XXXX XXXX who is unknown to me. Thus a secondary complaint consumers might be concerned about is that this process has leaked the name and account number of a customer of theirs.
( ii ) Both accounts ( sending and receiving ) are accounts with XXXX. So they clearly have access to the relevant information.
( iii ) Because both accounts are with XXXX the transfer happens instantly. They proudly announce this fact to you. When XXXX sends money to an external account it takes time and you can cancel the transfer if you notice such an error up until the time it has actually happened. Therefore the onus should be on XXXX to at least confirm instantaneous details to which they have instantaneous access if they are going to transfer instantly.
( iv XXXX XXXX does ( presumably by law? ) confirm names on accounts for many transfers because there are varuous things ( daily limits etc ) which are different when you are transferring between accounts in your own name versus ones in other names.
( v ) XXXX had asked for access to my contacts, and therefore could find my sister 's account via that mechanism ( which presumably would then have the correct account details ). There is no way to identify within the app whether the person you are sending to is someone you have manually entered ( and therefore should check more carefully ), or that they have automatically added to your list.
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| 04/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
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On XXXX I submitted to WISE card the following information, whereby initiating a review/dispute of my account : As a traveler, I use Wise. I used it on XX/XX/ to pay a cab driver in XXXX who charged me XXXX pesos ( for a ride under one mile ) and I saw him enter the amount as XXXX thinking he was doing so correctly. It turns out that he failed to enter the decimal XXXX and my card was charged XXXX pesos for a ride of one mile. Please know, no receipt was offered as he specifically asked me if I wanted one and I said Wise would send me the receipt.
Wise responded with the following : We couldnt confirm that transaction # XXXX was unauthorised. You can review the info that we used to make our decision. If you would like to, please reply to this email and let us know.
I then filed a complaint with XXXX - to which WISE than responded : It looks like you have made the purchase with a scam merchant, and sadly you will most likely not be receiving the goods you purchased. I have filed a chargeback for your transaction to the XXXX network. I have also issued provisional credits to your account. From here, the merchant will have 50 days to respond to our dispute. Should there be any updates, we'll let you know. If you don't hear back from us in 2 months, the credit will be automatically considered as final and the chargeback as won.
Wise also suggested I get a new card but as I am in XXXX, they won't send me a card to my address here and I do not see traveling to US just to pick one up. - I can not afford the USA on my ssi.
I currently have a provisional credit however WISE failed to provide the Cab driver info as requested. I seek assistance to solidify the credit and remove it from provisional as this was clearly a negligent situation on behalf of the cab driver, the cab company and Wise denying my request. Wise offers exchange of the USD in all foreign currency but fail to understand the monetary system within that country and how the monies are posted and listed. This was an honest error on behalf of the cab driver and I have never ever spent that much money on any account in the length of time I have used Wise. Why did they not provide the info as requested but offered me a provisional credit instead? I never belonged or have been a part of XXXX.
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| 11/04/2023 |
No |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
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- Problem with customer service
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Web |
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I hope this message finds you well. I am writing to bring to your attention the issue I am currently facing with my TransferWise account. When I attempted to log in recently, I received a message stating that my account has been deactivated.
I value the services provided by TransferWise and have been a loyal customer for over a year. I understand that there may be reasons for account deactivation, and I would like to take this opportunity to rectify any issues that may have led to this decision. I submitted an appeal and this is what I got as a reply from wise. " Thanks for your email. Unfortunately, I cant see why we closed your account Customer Support cant see this information. We know this is frustrating. To claim any remaining money or appeal this decision, please go here and follow the steps : http : //wise.comXXXX Once youve made your appeal, our team will be in touch with updates. Let us know if you have any other questions. Were happy to help. Best, XXXX XXXX Wise '' I kindly request you to review my account status because this is a mistake. Reason being that I havent made a duplicate account or unauthorized payment or uncompleted payment arising to this decisions. If there are any outstanding requirements or concerns that need to be addressed, I am more than willing to cooperate and provide any necessary documentation. I have being operating with my business account via wise legally registered under the Registeration in the United State Alabama. I got up a few week ago just to my surprise, logging into my account I was told its deactivated. I have other business services to transact with supplies and I wish you can look into this for me to reactivate my account for me respectfully as I am ensuring I dont violate any regulations by your noble firm.
I assure you that I am committed to adhering to all the policies and guidelines set forth by TransferWise. I genuinely appreciate your prompt attention to this matter and your assistance in reactivating my account.
Please do not hesitate to contact me at XXXX if you require any further information from my end. I look forward to your positive response and the reinstatement of my account.
Thank you for your immediate attention to this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
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| 11/29/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
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|
Web |
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On XX/XX/2023, my client paid me {$4000.00} via wire from their account at XXXX to my business account at XXXX XXXX XXXX XXXX that was managed by Wise. ( https : //wise.com/ ) Also on XX/XX/2023, XXXX XXXX XXXX XXXX and Wise formally ended their working relationship.
I received one email message from Wise notifying me about this transition on XX/XX/XXXX : " Your old account details will continue to work until XX/XX/2023. After that, any payments sent to these details will automatically be refunded to the sender. '' Based on this language, it was unclear whether the wire would go through or not. I contacted Wise and was told it would not go through and the money would be refunded to my client within 5-10 business days. By XX/XX/XXXX, my client had still not received a refund, so I escalated the issue with Wise via email and phone, providing official proof of payment as requested.
It's now XX/XX/2023, and still no refund. I've uploaded requested documents with no followup, and talked to customer support multiple times. No one can provide a date the money will be returned and Wise is refusing to take responsibility for their mess.
It was only once I quoted Wise 's transaction agreement that a Wise agent started to take my issue seriously : RIGHT TO REFUND You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if Wise US Inc. does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you.
If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money.
If you want a refund, you must mail or deliver your written request to Wise US Inc. at XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX or via email through our Help Center. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to {$1000.00} and attorney 's fees pursuant to Section 2102 of the California Financial Code.
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| 03/12/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Other transaction problem
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|
Web |
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I have an account with the money transfer service Transferwise.
On XX/XX/2019, I received an e-mail about a money transfer being sent to a recipient in the XXXX, which I did not recognize nor authorize, in the amount of XXXX US Dollars.
I contacted Transferwise and they informed me the money had already been sent and wasn't recoverable.
I strongly believe my Transferwise account was hacked into and this person used saved payment data to make a transfer to themselves ( or a fake alias ).
Once I logged onto my bank accounts and cards and noticed no money was taken out of my accounts, I immediately contacted Transferwise again to inquire how could the transfer be completed and the money sent, and no transaction be showing in either of my bank accounts. They informed me, then, that the payment method used was a Debit Card from XXXX XXXX XXXX. I do not have nor did ever have business with that bank institution.
After realizing the money that funded my transaction had not come from my personal accounts, Transferwise said the matter was resolved.
However, I called XXXX XXXX XXXX to inquire if any accounts had been opened using my personal data and they were unable to find any accounts under my name ( and all possible variations ), nor my Social Security Number.
My best guess is some fraudster ( details below obtained from the Transferwise Transaction receipt ) used my account and someone else 's payment info to make this XXXX US Dollars transfer.
I did inform XXXX XXXX of that, and did forward a copy of the transaction receipt to their representative XXXX XXXX, who was very helpful in trying to find if any accounts had been opened under my name or SSN.
This is all the information I was able to retrieve from the recipient to which the money transfer was sent. I managed to obtain the following details in the Transfer Receipt : Recipient Details Recipient : XXXX XXXX Order Number : XXXX Address : XXXX XXXX XXXX., XXXX, XXXX, XXXX XXXX Phone : XXXX XXXX XXXX Bank Account Details Sort Code : XXXX IBAN : XXXX IBAN BIC : XXXX Account Number : XXXX I have also submitted a report with the National Fraud & Cyber Crime Reporting Center in the XXXX XXXX, home of the Recipient of the transfer.
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| 07/11/2022 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
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- Other transaction problem
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|
Web |
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XX/XX/XXXX - I attempted to make an international transfer through Wise to a service provider using an XXXX. Wise sent me a message immediately saying they could only make the transfer using the XXXX XXXX. I responded providing the XXXX details. ( Transaction # XXXX ; amount XXXX XXXX ) XX/XX/XXXX - I logged into my account to see the transaction was still paused. This transfer had urgency so I contacted customer service via Wises in browser chat to see what was the status. I was informed that there was an error on their end and it would take 5 days to clear. I asked if the agent could cancel the transaction. He said he could. I asked him to. He confirmed the transaction as cancelled. I made the transfer again using alternative XXXX based account details provided by the service provider. The transfer was made instantly and the service provider confirmed. ( Transfer # XXXX, amount XXXX XXXX ) XX/XX/XXXX - I logged into my account and notice that the transfer that had been cancelled is marked as sent. I immediately contact Wise support via email. I received a response from XXXX XXXX ( Wise ) with an email saying my transaction had not been cancelled but could be recalled. I replied immediately explaining again that they had provided cancellation confirmation to me, the transaction should not have been sent, and they payment needs to be recalled.
XXXX - I receive notification that my account is being closed. I file a formal XXXX with Wise regarding the cancelled transaction.
XXXX - I receive an email from XXXX XXXX ( Wise ) telling me my transaction has been sent ( It appears they are not reading my messages at all ). I respond with the following immediately : " I realize it was sent. I received confirmation that it was cancelled from you via your support chat and the money was sent twice as a result. You then sent it even though your support told me it was cancelled. You need to return my money for this transaction. '' XXXX - After receiving no reply. I send one more message telling them I will be filing formal complaints with whatever regulatory authorities are relevant. I receive no reply to this message either.
XX/XX/XXXX - I no longer have access to my account or support.
|
| 08/29/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
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|
Web |
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Money sent via wire transfer to WISE.
XX/XX/23 Wise emailed me confirmation that recipient has received funds.
XX/XX/23. Recipient messaged me that funds still have not been received.
XX/XX/23 Called and spoke to Wise representative. Informed them that transfer recipient did not receive funds. Told me I needed to wait for funds to " bounce back/ be rejected '' from recipient bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' This generally takes between 1-3 days. Call back tomorrow if I don't see my funds have " bounced back '' to my account.
XX/XX/23 Called Wise to let them know my funds have not been returned. They told me I need to ask client to take receipt to her bank to inquire about the funds.
Her bank tells her there's a mismatch with the name and the account number. I had put her name in error instead of her company name, so funds could not be accepted.
XX/XX/23 Spoke to WISE explaining recipient 's bank saying account name and account number are mismatch and can not accept funds.WISE requests bank statements of recipient. I let them know recipient declines to send confidential bank statements to me ( I am her customer and she does not wish to disclose this information to her customers ).
I sent message to XXXX XXXXXXXX XXXX referencing transaction number XXXX. If they have the funds, please take action and reject funds so that they will " bounce back '' and then I can try to re-send with correct information.
XX/XX/23 XXXX XXXX responded back saying I need to talk to Wise 's partner bank, XXXXXXXX XXXX as XXXX XXXX does not have direct relation with WISE.
XX/XX/23 WISE confirms that their partner bank, XXXX confirmed receipt of WISE transfer and if I want any further investigation of transaction, I need to send them my recipient 's bank statements showing no funds have been received from XXXX XXXXcurrent date. I asked them if recipient could send her bank statements to WISE directly instead of through me since I am her client and that is confidential information. WISE replies saying my recipient can send me her statements and I can upload them. ( NOT HELPFUL ). No further investigation will happen without bank statements.
|
| 07/17/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
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|
Web |
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On Saturday, XX/XX/XXXX of the current month, I tried to make an international transfer from the Transferwise platform ( Transferwise.com ) in US dollars, to a bank located in XXXX ( XXXX XXXX XXXX ). The information they gave me from the recipient bank was that I had to transfer the money to the intermediary bank : ( XXXX XXXX, XXXX XXXX ) as an ACH transfer. That was effectively what I did. The account number they provided me was XXXX ( will be provided later if needed ). The transfer was made for XXXX USD.
On XX/XX/XXXX Transferwise confirms that the transfer has been completed. A few days later I contacted the owner of the account that should receive the funds and she confirmed that she did not receive them. Until today the funds were not received and from the receiving bank they know absolutely nothing and did not give me any response.
I have received the following responses from Transferwise : Hello XXXX, Thanks for reaching out to us.
I took a look at transfer # XXXX and can see that it was sent to the intermediary banks details that are shown on the document you've sent us.
I have attached a transfer receipt to this email. Providing this receipt to the intermediary bank, and asking them to reject the funds, may help to get this money back to you.
If the payment is rejected successfully, the funds would be sent back to us and we would notify you via email with the option to change the bank details of this transfer and send the payment out again, or, you'd be able to cancel the transfer and receive a refund.
However, I'm also going to reach out to our payments team here to see what they would advise in this particular situation. We'll be following up with you via email as soon as we hear back from them.
In the meantime, if you have any questions, please don't hesitate to ask. We are always happy to help.
Best wishes, XXXX TransferWise After that I have sent more queries and have not received answers. Anyway, I don't know where my money is. I have also tried to contact XXXX NY to no avail so far.
What I would like is for my money to go back to my transferwise account so that I can withdraw the money and pay my provider.
|
| 02/07/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
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THEY CLOSED MY ACCOUNT, CANCELLING MY TRANSACTIONS. FOR NO REASON.
I am not happy with Wise decision to close my account. I tried to appeal. I do not know if it makes any sense to appeal, but I tried to because I want to understand what happens. I appealed, and they said that after reviewing, they have decided to keep it closed, and if I need any clarification, I have to connect with support and have the right to complain. I do not have access to support anymore, and this is my complaint.
None of the reasons they expose to close accounts are seen in my case. I tried to make a depot to add money to my account, and after all ok, they sent me an email telling me that my transfer was canceled, that my bank debit payment failed, and that my money was still in my bank account ( which is true ). Then, the next day, appeared a negative balance in my Wise Account and the thread to close the account if I did not pay the difference asap. After reviewing with my accountant, the transfer I did on XXXX XXXXXX/XX/XXXX, was not deposited to the Wise account because the sender 's bank canceled it, but I could not find out why. And also do not understand why a negative balance. I think all this needs an explanation.
I am not making a refund request.
I really do not care for the remaining balance. So I am not submitting a refund request. But if I wanted to check the couple of dollars they owe me, it would be impossible to review because I can not access the balance statement because no support contact is activated and this point.
As said, I am not happy, but I am not interested in reinstatement or re-assessing deactivation. Nor speeding up refunds. We are already looking for another financial technology company to create my digital strategy without borders. However, due diligence is needed to define what happened here ; I need to know precisely why they closed my account to avoid it in the future if any fault was from my side.
I am making a complaint.
As their policy states, I have the right to ask for a review of my case by lodging a complaint. But it was very complicated to access the page after the account was closed or blocked, so I wrote this way.
|
| 07/23/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
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On XX/XX/XXXX, I used TransferWise to transfer XXXX XXXX to my blocked account in XXXX, which is required for obtaining my XXXX XXXX visa. The amount was to be deducted from my XXXX XXXX account in XXXX. I chose to use TransferWise because it advertised its service as fast, convenient, and more affordable than its competitors. I needed the money to arrive in my blocked account quickly because my visa appointment was approaching.
I entered all the necessary information on TransferWise 's portal and authorized the transfer through a built-in XXXX XXXX online banking portal. TransferWise 's portal said the transaction was successful and that the money would arrive by the next day. I didn't receive any notifications when 24 hours had well passed, so I decided to log in on to the TransferWise portal to check the status. I was so dumbfounded that it said my account had been deactivated. No reasons were given on the page. I contacted customer service who instructed me to contact their appeals team because only they were able to handle this.
Worried about not receiving the transfer on time, I emailed the appeals team with my passport scan, a selfie of me holding my passport, my blocked account details, as well as my university admission letter. Customer service told me specifically to include the first two items involving my ID, as well as other relevant details.
As I was awaiting the resolution of this, I googled " Transferwise account deactivated '' and found a lot of similar complaints of TransferWise deactivating accounts without notice and reasons, with some people 's money still in their TransferWise accounts. Luckily, my money was still sitting in my bank account when this happened.
I ultimately chose XXXX XXXX to complete my money transfer. I asked TransferWise to cancel my transaction and to delete my personal data. XXXX days later, they replied with an apology and said that my account had been reactivated. They did not explain what led to the " reasonable suspicion '' or why they deactivated accounts without notice.
I think this way of deactivating accounts without notifying people is very unprofessional and problematic.
|
| 04/24/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
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|
XXXX, XX/XX/XXXX Dear Sir/Madam, I need your help.
XX/XX/XXXX, I fell victim to a multilayered scam operation by XXXX. The company offered investment services that aim is robbing and defraud clients. I lost XXXX, XXXX USD which was transferred from my wallet utilizing their services.
XX/XX/XXXX : My first telephone contact with the investment manager and cryptocurrency broker XXXX XXXX and the security officer XXXX XXXX XXXX at XXXX. XXXX XXXX XXXX showed me the broker check at XXXX - that both he and XXXX XXXX were registered there. After several phone calls, answers to my questions, and a homepage check I didnt find anything suspicious ; the company seemed to be in order.
XX/XX/XXXX : Opened an account with XXXX for bitcoin trades.
XX/XX/XXXX : My first transaction from my bank XXXX, XXXX XXXX XXXX to XXXX ( Attached file : XXXX XXXX ) ( Attached file : XXXX XXXX ) XX/XX/XXXX : My second, and last, transaction from my bank XXXX, XXXX XXXX XXXX, to XXXX.
( Attached file : XXXX XXXX ) ( Attached file : XXXX XXXX ) XX/XX/XXXX : The cryptocurrency broker XXXX XXXX reported an unreal profit which made me understand that something was wrong.
( Attached file : XXXX XXXX ) XXXX XXXX : I tried to withdraw my invested money from my account at XXXX but found out the funds were stolen.
( Attached file : XXXX XXXX ) XX/XX/XXXX : A police report was filed, by me, against the company XXXX. ( Attached file : Police report ) XX/XX/XXXX : Sent an ADR Protocol Letter to XXXX anXXXX XXXX
( Attached file : XXXX XXXX Letter to XXXX ) ( Attached file : XXXX XXXX Letter to XXXX ) XX/XX/XXXX : Answer from XXXX ( Attached file : XXXX answer ) XX/XX/XXXX : Sent a Dispute Letter to XXXX.
( Attached file : Dispute Letter to XXXX ) XX/XX/XXXX : Answer from XXXX ( Attached file : Wises answer ) XX/XX/XXXX : Sent Police report to XXXX ( Attached file : Copy of sent email ) XX/XX/XXXX : Confirmation from XXXX ( Attached file : Confirmation of receiving my email XX/XX/XXXX : Sent a Rebuttal Letter to XXXX.
( Attached file : XXXX XXXX to XXXX ) I have tried to get help from XXXX and XXXX without any success. Can you please help me?
Kind regards,
|
| 08/07/2023 |
No |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
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|
Hello, I have an account with Wise where I typically store USD to facilitate international fund transfers. In this case, Wise has erroneously charged me a {$46.00} fee for a canceled fund transfer by treating it as two separate transfers.
On XX/XX/23 I mistakenly made a transfer from another XXXX XXXX account I possess to my Wise USD balance in the amount of {$7100.00}, of which {$48.00} were fees and commissions collected by Wise ( Wise transfer # XXXX ).
On XX/XX/23 I realized my originating XXXX XXXX account did not possess sufficient funds for the transfer and contacted Wise to notify them so that they could cancel the transfer as the originating bank told me they, of course, would not transmit the requested funds.
On XX/XX/23 Wise responded to my notification and falsely claimed that the transfer had already been completed, which is impossible since the originating bank informed me they had not and would not transmit the funds.
On XX/XX/23 Wise notified me that the transfer had indeed failed and that they would deduct the balance from my Wise USD account. However, they deducted more than the transfer amount, leaving me with a {$46.00} negative balance, even though I had left the total amount of {$7100.00} untouched.
On follow-up exchanges with Wise between XX/XX/23 and XX/XX/23, I attempted to contact Wise to clarify the issue and asked them to refund the {$46.00} fee that they had erroneously charged. This has left it impossible for me to use my Wise account without first paying the {$46.00} erroneously charged fee. They have further threatened to close my account over the matter.
It seems to me that Wise is treating the one canceled transfer as two separate transfers, in an attempt to extract a {$46.00} fee. I believe they have erroneously done this by floating me the funds so that the transfer appeared as completed within their system. However, it was never completed because the funds were never transmitted.
The user agreement with Wise does not allow for such a fee. I know Wise is not a traditional bank, but I and most others use it as such, and therefore should follow the rules of a normal bank.
|
| 05/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Wise prompted me several times to go through an appeal process after a month of raising the first appeal, holding my money for more than a month and finally refunded it partially, surprisingly for reasons that was never communicated to me. This is totally unacceptable The company ( Wise Inc ) has not fulfilled all my requirements and has based their conclusions based on their own hypothesis/assumptions, without following the normal standards and procedures which are agreed in the customer agreement. I have briefed below the points in breach by Wise Payments : 1 ) Wise has listed the potential reasons of account closure ( 4 reasons ), however, they didn't elaborate which reason in specific is related to my case or how they arrives to their own conclusion. They claim that the " way how they are regulated '' prevents them from discussing this forward. This is totally random and against the industry best practice. Moreover it diminishes the basic customer rights inline of financialregulations worldwide.
2 ) Wise decided to act on their own discretion to " refund '' senders in response to disputes raised by them pertaining transactions XXXX from XXXXXXXX XXXX ( XXXX XXXX ) & XXXX ( XXXX XXXX ). They performed the refund from " my account '' without intimating me, raising specific questions as to why or how I received these funds or what I have provided in return and/or without a court decision to perform this action! This is totally unacceptable and reflects a discrimination against their own clients, aligning with " potential scammers '' without proper reasoning or justification. These transactions took place as a trade of virtual assets/crypto ( XXXX/XXXX ) on a peer-to-peer platform. Screenshots of the completed trades and/or my conversation with the buyers ( who turned out to be scammers have been sent to Wise Payment 3 ) While I am now in loss of ( XXXXXXXX XXXX ) due to the random illegitimate action of Wise Payment performed on my account, Wise is offering in a return a compensation of {$150.00} for the damages impacted me and my family due to the delay and unprofessionalism of their action!
|
| 12/13/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
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CFPB On XX/XX/XXXX, I tried to transfer {$2000.00} from my XXXX XXXX XXXX XXXX ( also known as XXXX, XXXX XXXX number XXXX ) XXXX account to my Wise ( also known as XXXX XXXXXXXX XXXX XXXX, XXXX XXXX number XXXX ) checking account through XXXX.
Unfortunately, the Wise account information listed XXXX things called Account number. I figured out later that one was for XXXX and XXXX was for XXXX. Since they both were just called Account number, I chose the wrong one. When my transfer didnt show up after a week, I started contacting both banks, each of which told me that there was nothing they could do and that I should contact the other bank. Its been XXXX months.
XXXX attempted to contact Wise and nothing came of it. XXXX provided me a proof of payment with Dates, Destination routing and account numbers, and a trace number. I sent these to Wise over a month ago. I had attempted a smaller transfer a few days earlier that ended up getting returning. XXXX told me : You can contact Wise and provide them with the destination account number and routing number so they can use the trace number to locate it. You can also mention that you transferred to it on XX/XX/XXXX and it was returned for account frozen. The XX/XX/XXXX amount was sent next and it was delivered successfully. That indicates the account was unfrozen between XX/XX/XXXX and XX/XX/XXXX.
So XXXX confirmed that the money got transferred successfully to Wises routing number.
The most recent email from Wise after yet another week or more of delay says : Since the funds are being sent from your XXXX bank, and the recipient details are incorrect, Wise will never receive the funds. Because of this, we can't trace them, nor can we trace incoming payments that would arrive to us otherwise.
Since I correctly used their routing number, as confirmed by XXXX, it seems unlikely that they were not the ones to receive the funds. This directly contradicts what I was told by XXXX. Nobody can find the money.
My understanding of the friction and delays in the XXXX system is exactly to allow honest mistakes like this to be reversed.
|
| 01/11/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
My account has been deactivated by Wise US Inc ( formerly TransferWise ) for pointing out a flaw in their customer verification, and I can not access the account or withdraw my money from my account.
I have had an account with Wise since XX/XX/XXXX. One of my routine transactions on was blocked on XX/XX/XXXX by Wise citing verification of my ID. I uploaded my passport copy and was informed that it has been verified. But the transaction did not go through.
I was then asked to upload a personal photo holding my ID. I was opposed to uploading personal photos due to privacy reasons and I have had several phone calls and email exchanges with Wise about how a personal photo would be a better verification than other methods such as XXXX, phone call, etc. I contended that using Artificial Intelligence ( AI ) to verify a photo may not be the best option.
In order to prove my point, on XX/XX/XXXX, I uploaded a " doctored photo '' of my own to the Wise website. Wise promptly verified my photo ( most probably by AI ) and I was able to conduct transactions including transfer of money. Subsequently I informed Wise through email that the photo that I uploaded was " doctored '' and asked them how their system was able to verify my photo? I questioned their security and due diligence.
I was given vague answers to my concerns but when I pressed about their security flaws again and again, Wise deactivated by account saying that my activities exceeded their " risk tolerance ''. On asking what this risk tolerance is and how I exceeded this level, Wise did not provide any answer. I believe this action was purely punitive to mask Wise 's lax security and their embarrassment.
I have thousands of dollars in multiple currencies in my Wise account. As I do not have access to my account, I have requested Wise to transfer my money to my own verified account in another US bank ; but Wise refused. Wise wants me to appeal to reactivate my account. I do not want to reactivate my account- all I want is to get my money back and close my account.
|
| 12/01/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American |
|
Admittedly, I unknowingly participated in the process by providing essential personal information before I realized I was being scammed. On XX/XX/2022, I called a number from an email invoice supposedly from XXXX on the purchase of an XXXX laptop for {$340.00}. Since I had not made such a purchase I called the phone number ( XXXX ) to inquire. Identifying themselves as XXXX XXXX XXXX Fraud Security Unit. I was informed that my XXXX account had been hacked. The laptop was purchased by a " XXXX XXXX in Ohio '' I was asked questions about if I knew the person or anybody in Ohio that would have access to the account etc. I responded NO, I rarely use the XXXX account. Instructed to go to XXXX XXXX and download " XXXX ''. They took control of the cell phone, I was instructed not to touch it or answer calls that were coming in. They signed me up for Wise.com using the personal information provided. Apparently, they knew I had a XXXX XXXX credit card because they asked if I had it. They used that information to charge {$1000.00} putting it into the Wise account they set up in my name. ( This detail I discovered through my investigation ) When I protested the charge to XXXX XXXXXXXX " No mam, no charges to your account this " is blocking codes '' so we can block the Ohio hacker. {$990.00} was sent to XXXX XXXX ( XXXX ). I became suspicious when another charge was attempted for {$850.00}, however, it did not go through declined by XXXX XXXX. I was asked for another card or if I had a XXXX XXXX account. By now knew this was not right and a scam. Protesting and refusing to cooperate further, I was transferred to a Manager, XXXX XXXX who tried to convince me they were legitimate. However, while on hold though told not to move my phone screen. I more closely evaluated the initial email that prompted my phone call and realized it was phishing. The bottom line this {$990.00} charge was obtained fraudulently. I am disputing the {$1000.00} charge with XXXX XXXX and seek your cooperation in getting the {$990.00} from XXXX XXXX ( XXXX ).
|
| 10/27/2018 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Older American |
|
This is regarding transaction ID # XXXX with TransferWise.com.
On XX/XX/2018, I created an account and used transferwise.com for the first time to send USD XXXX to XXXX. TransferWise asked me my XXXX XXXX account login and password. I gave it to them, so they can use it to get the fund from it. The site showed the money should arrive in 1 hour ( XXXX ).
On XX/XX/2018, I received an email confirming me that TransferWise has received the money ( XXXX ).
On XX/XX/2018, I found my account has been deactivated without notice and I can't login to TransferWise.com. So, I sent email to TransferWise and they asked me to send a photo and photo ID ( XXXX ). By this time, it's already 5 days and I already gave up waiting for TransferWise and have already used a different online service to send the money.
On XX/XX/2018, I replied I don't want the account anymore and just want my money back ( XXXX ). TransferWise asked me to check with the bank ( XXXX ). I called the bank but there's nothing the bank can do because the fund is already cleared. I asked if TransferWise has initiated the refund process or not ( XXXX ).
On XX/XX/2018, TransferWise replied they have initiated the refund process on their side ( XXXX ) On XX/XX/2018, it's 10 days later and the money hasn't been refunded yet. So, I asked TransferWise again and provided them with a screenshot of the transaction from my checking account ( XXXX ). TransferWise replied that they're conducting a further customer due diligence check on my account and it can take approximately 60 working days ( XXXX ).
On XX/XX/2018, I sent an email to complain they can't hold my money for that long without my permission ( XXXX ). TransferWise replied with similar info ( XXXX ).
On XX/XX/2018, I sent another email to TransferWise mentioning it has been 2 months and I haven't received the money back ( XXXX ). TransferWise said they're forwarding my concern to the team ( XXXX ).
Note : I also have called TransferWise regarding the issue, but they said they can't provide more info.
|
| 12/17/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I initiated an international money transfer on the XXXX of XXXX using Wise formerly known as TransferWise. The transfer was to pay for medical expenses for my parents in XXXX. On Wises website and app, they promised to complete the transfer the next day when you send a wire transfer of your funds to their account. I did just that and even incurred an additional wire transfer fee from my bank. Around that time, the exchange rate stated my recipient would receive about XXXX cedis. I followed up several times after I noticed the international transfer wasnt completed the next day as promised. However, the wire transfer was completed by my bank a few minutes after I initiated it on the XXXX of XXXX. Wise however claimed they never received my money, and as a result the amount the recipient was supposed to receive kept decreasing due to fall in exchange rate. I sent over proof that my bank had completed the wire transfer on XXXX different occasions to wise. I sent several emails to Wise to follow up as well. I corresponded with both XXXX and XXXX from Wise about the reduction in the exchange rate and delay in transfer during those times. After a week, when the rate had dropped significantly, Wise finally decided to send my transfer. Because the rate had dropped significantly, they only sent about XXXX cedis yesterday, which is almost half the amount I was initially quoted. Throughout my communication with Wise, I made them aware that the rate keeps dropping and since their service promised to send the money the next day of your funds are sent to them via wire transfer, they should at least honor the XXXX I was quoted. I didnt use the normal ACH transfer which according to their app and website takes a week to complete. The amount they finally sent cant cover the entire medical expense and their procedure had to be pushed back because the funds werent even sent on time. The health of my parents are at stake, and the least Wise can do is to honor the XXXX cedis I was quoted and promised considering Im a longtime customer.
|
| 07/21/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
Hi Sir, I would like to file a complaint against Wise US Inc .
I was victim of a scam. The scammers robbed me XXXX USD from my Wise account. I complained to Wise and the final answer was that I will not be refunded. I believe I should be refunded. Below you find more details.
I tried to make several XXXX transfers from my XXXX bank account ( XXXX XXXX ) to my Wise account. Due to the international sanctions applied to XXXX, it was extremely difficult for me to get these transactions done. XXXX scammers approached ( pretending to be from the Customer Service ) me and told me that they could help me to finish this process. They said all I had to do was to transfer money to one Wise account and then I would get all my transactions done. So I transferred XXXX USD to another Wise account ( transaction number # XXXX ) and then I realized I was a victim of a scam. As soon as I realized I was a victim I contacted Wise and filed a report to the local XXXX authorities.
After some investigation Wise confirmed the scam and denied my right to get a refund.
As I'm a resident from XXXX, I also tried contacting XXXX XXXX XXXX and ask for a refund. But they responded that since the transaction was carried out in USD, they can't help me. They said I should report to the US Wise team, because the transaction was carried out in USD.
I believe that since I am a victim, and the scammers used an Wise account to carry this scam, Wise should refund me 100 % of my loss.
Attached to this file you find : - A police report ( XXXX ). It is in XXXX. But I can provide translation if required.
- Conversation screenshots where the scammers tell me I need to use Wise to get help.
- Scam transaction pay receipt.
- Official response from Wise XXXX ( where Wise XXXX are ) based team where they confirm I was a victim of a scam but can't refund me.
- XXXX Video Call record. Since the scammers contacted me through XXXX, for safety measures I decided to record the video call. There you find the exact moment I realized it was a scam.
|
| 05/05/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
Hi, My client sent payment to my account on XX/XX/XXXX via XXXX. It says there will be 1-2 days delay. I've waited but 2 days has passed. Wgen my sender checked the transfer, it shows that the money will be on my account on XX/XX/XXXX. XX/XX/XXXX has also passed and it's still not credited to my account. I started to reach out to XXXX. But their customer service is so slow! And the only response I am receiving from them are generic and they are keep on telling me that they are not disclosing any transfer details to the recipient. That I need to ask my sender directly. My sender reached out to XXXX, but he has not gotten any clear response and updates from XXXX. They already take the money to my client 's account. They just keep on telling people to wait but has no reason why we need to wait for our money. They are saying that they need to do additional checks. We are asking for what and they can not even explain it to us. Additional check from XX/XX/XXXX?? That's too long. They didn't even send updates to inform the customer what's happening to our money! When my sender checked the status of the transfer on XX/XX/XXXX ( the date which XXXX promises that my money will be here ), it shows that they removed the date. Now, me and my sender have no idea where the money is and when will it be credited to my account. They are making fool of people! I have all the screenshots for proof.
Look at their XXXX page, many people are complainig. There are some that have been waiting from almost a month and haven't received their money. That's horrible!
I, myself, has a family and kids to feed! I have bills to pay that are already over due and have to pay for penalties for late payments. The amount I am expecting is around XXXX and my husband is expecting to receive around XXXX. Both of our salaries are being held by XXXX! Very disappointing!
I hope you'll do something about this ASAP. My kids are starting to starve! And WISE DID NOT TAKE THIS MATTER SERIOUSLY!
Looking forward to your prompt response. Thank you!
|
| 08/05/2023 |
No |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to report a grievous issue with Wise.com related to two wire transfers I initiated on XX/XX/XXXX, for amounts of {$15000.00} and {$15000.00}. The Wise.com app indicated that the transfers would be completed within 45 minutes and 2 hours respectively. These transactions were wired to a XXXX XXXX account in Wise.com 's name.
Despite waiting through the weekend, the funds were not transferred. Upon contacting Wise.com, they denied receiving the funds and advised me to check with my bank. I shared the wire transfer instructions and confirmation with Wise.com, after which they confirmed the correctness of the account number used.
I contacted Wise again on XX/XX/XXXX, and they reiterated that they had not received the funds and suggested my bank should be able to trace it. My bank reviewed the transaction and confirmed the wire was sent to the intended account, which Wise.com had previously confirmed.
On XX/XX/XXXX, Wise.com still denied receipt of the funds and suggested I initiate a trace of the wire and a potential recall. I followed their advice and initiated a trace with XXXX XXXX through my bank, XXXX XXXX.
Even after providing Wise with the wire transfer confirmation and federal trace number, they maintained they had not received the funds and made no attempts to contact XXXX XXXX to trace the money.
Wise.com has now advised that I initiate a recall which could take several weeks. They also stated that if the recall is unsuccessful, there will be no way to recover the funds. Despite multiple confirmations from different Wise representatives that the account used for the wire was correct, Wise.com appears to be shifting the burden onto me and making no effort to locate the funds.
The misleading transfer time advertised and their lack of effort to resolve the issue have caused significant frustration and inconvenience. I hope that CFPB will help in resolving this matter.
Best Regards, XXXX XXXX
|
| 01/06/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Problem with customer service
|
|
Web |
|
|
I made an order to TransferWise on XXXX XXXX, 2019 for converting {$830000.00} XXXX dollars to USA dollars, and transmitted the {$830000.00} XXXX to them. Because of the long time it took them to approve the associated documents, they cancelled my order and requested that I inform them where to send the {$83000.00} refund. They then, without my permission, resurrected the cancelled order and made the transfer any way using the original conversion rate of XXXX XXXX. Since the order was cancelled, they had no right to do this without my permission. I was accordingly prevented from obtaining the refund that the cancellation involved, and using this money for a new order. Since the rate of exchange had improved at the time of the cancellation from what it had been in the original cancelled order ( and has remained improved to this day XXXX, I have incurred a substantial loss, in not having the {$830000.00} available for a new order that I intended to make. I can substantiate these facts in particular from a XXXX XXXX email from Transferwise in which they state concerning the unauthorized resurrection of the order " I believe that a confirmation by yourself would have been necessary before proceeding. I am sorry this did not happen ''.
In resurrecting the cancelled order, they transferred the {$830000.00} XXXX using the XXXX XXXX rate of XXXX resulting ( after theXXXX % fees ) in XXXX USD, whereas a new order would have employed the improved rate that had become current of XXXX resulting in {$580000.00} USD. So because of the unauthorized transfer I received {$9500.00} USD ( {$580000.00} - {$570000.00} ) less than I would have been able to receive if the unauthorized transfer had not been made and I had been able to use the {$83000.00} in a new order as planned. I accordingly requested transferwise to reimburse me the {$9500.00} loss that I had thereby suffered. Their response was merely a limited offer to waive their commission on a future transfer that I might make.
|
| 10/05/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
I bought a XXXX XXXX vintage cast iron from a XXXX woman in XX/XX/2023. We both were the group members of XXXX XXXX XXXX XXXX. She approached me from a posting that she made and I commented it was a beautiful pot. She was nice and responsive at the beginning before the deal was made. The pot arrived broken and it was packed badly and also without any alarming sticker such as Fragile. I spoke to her that night and she agreed will compensate me by sending me a pot if she found a similar one and requested me to wait. I waited for few months. I began running out of patient and fear for the uncertainty in life. I spoke to her in XXXX, she became impatient and saying me do not threaten her. I did not do anything, I was purely just checking with her how she wanted to resolve the issue. I wanted the pot or the money back so I was nice to give her another 2 months. On XX/XX/XXXX, I checked with her again. She denied everything and saying that she would give me a good price if she found the pot in the future.
I posted the incident on the XXXX XXXX XXXX groups. Some commented that they had the same thing happened to them from this same woman. Few days later, I realized I was removed from the XXXX XXXX XXXX group without notice. The admin did not even investigate or talk to me.
It is very hurt and painful. Months and months thinking of the pot and fearing of not getting anything back. I feel like I am being bully on top of loosing money. I reached out to Wise Inc and then my own bank, XXXX. Wise said they cant do anything. I replied the email asking for Chargeback but did not hear back from them. Then I called XXXX. XXXX explained that the nature of the transaction not allow them to do anything and advice me to report to a local police if I really wanted my money back.
Wise does not allow adding any credit cards when setting up the account. I was all lead by the Wise. XXXX did chargeback for the customers.
I want justice and I want my money back.
XXXX.
|
| 01/17/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
- On XX/XX/XXXX, I initiated an international money transfer for {$14.00}, XXXX to an international recipient using the TransferWise.com remittance service.
- In the prior 6 months, I had successfully performed 6 remittances to the same recipient without issue.
- I paid a fee of {$130.00} to Transferwise to conclude the transaction within 3 days - By XX/XX/XXXX the funds had not yet been received by the recipient.
- On XX/XX/XXXX, I contacted Transferwise customer support to inquire as to why the funds had not yet been received by the recipient. They indicated that they did not know what was causing the delay but they would look into the matter. They also indicated that they did not know where the funds were.
- On XX/XX/XXXX, I contacted Transferwise customer support again and inquired as to whether they had been able to locate the funds. They said they were still looking.
- On XX/XX/XXXX, I contacted Transferwise customer support again, but still they were unable to tell me where my funds were.
- On XX/XX/XXXX, I contacted Transferwise customer support and asked to speak with a manager or have my case escalated. I was informed that there was no escalation procedure and that I should keep waiting for them to try and trace the funds. I asked where my funds were and they said they did not know. I also asked when they expected to have located the funds and they said they could not tell.
- On XX/XX/XXXX, I contacted Transferwise customer support again to inquire if they had traced my funds and they indicated that they had not been able to make any progress on the matter. At this point, more than 2 weeks had elapsed since I had initiated the transfer. I had also incurred significant financial loss since I had to borrow funds to pay the recipient who should have received the initial transfer.
- As of today, XX/XX/XXXX, I still do not know what happened to my money and I have not been able to get any resolution from Transferwise.
|
| 07/26/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
|
SUMMARY : On XX/XX/2022 my Wise.com [ Wise US Inc., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX Compliance, phone XXXX ] account got hacked. Multiple unauthorized transactions were made to destinations outside the US amounting to US {$21000.00}. This is what I found out when I finally reached Wise in XXXX XXXX on XX/XX/2022. On XX/XX/2022 at XXXX pm I received an email with an Account Closure notification which triggered off my activities to contact Wise.
In the Wise terms and conditions they are committing to immediately send an email notification for each and every transaction being made online to review and make you aware of any fraud. This did not happen. Wise also has my phone number on file. They never called me. This is very poor Cyber Security service.
I relentlessly contacted Wise by email, phone and certified mail explaining what happened and requesting a refund. Since XX/XX/2022 they never responded to me neither by email, phone or mail. In the attachment you can see all the details and dates.
Note : How can you contact Wise.com : a ) XXXX phone number - nobody every answers The Wise customer service phone number you find on XXXX is XXXX with an automated response : " Hi, thanks for Calling Wise. Our phone lines are closed at the moment. Find another way of contacting us or check when our phone lines are open on wise.com/help. '' b ) Wise.com/Help : I could not use the wise.com/help as it requires you to log in, however Wise had closed my account.
c ) I XXXX Wise in XXXX, yes it worked on XX/XX/XXXX. I explained The person what happened, he promised to email an appeal form but never did.
d ) I found address and phone number on the online Wise.Com XXXX XXXX XXXX for the US. I called them and explained what happened, he promised to email an appeal form but never did.
e ) It is not possible to talk to Wise Compliance, you are blocked by the customer service and the customer service is of no help.
|
| 07/21/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
On XX/XX/2020, I initiated an " ACH Push '' into my " TransferWise Borderless Account '' from my XXXX XXXX XXXX XXXX checking account in the amount of {$1000.00}. The transaction ID is # XXXX. Soon thereafter Transferwise closed my account, and after going through their KYC and appeals process, including sending photos of State identification and selfies holding such identification, I was informed on XX/XX/2020 that my appeal was denied and the account would remain closed. It is now XX/XX/XXXX, and the {$1000.00} has still not been returned either via ACH or escheat to Florida, or check to my residence address, or any other way. I have sent numerous email requesting account statements and further information regarding the {$1000.00} held by Transferwise , INC., a Delaware corporation, and have received no information. Their Customer agreement states, with heading : " Borderless Account Statements and Requesting Account Records in Writing, '' that a customer has " the right to receive an account statement showing your Borderless Account activity, '' this has not been provided. Their customer agreement also states the following : " If we close your TransferWise Account or terminate your use of the Services for any reason, well provide you with notice of our actions and make any unrestricted prepaid money held in your Borderless Account available for withdrawal. '' This " prepaid money '' had not been made available. I received a correspondence from Transferiwse Customer Service today with the following message : " We are currently conducting an additional due diligence check on your TransferWise account which takes approximately 60 days. Once this standard procedure is complete we will be in a position to give you a clear response regarding the funds on your account after XXXX XX/XX/2020. Unfortunately, we can not provide any further information until we have finished our standard processes. ''
|
| 12/24/2018 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I tried to add money to my account at transferwise.com ( created through the US part of the company ). I tried to add XXXX ( XXXX kroner ), and their website clearly states that the money " should arrive in 4 minutes. ", with no " but '' or " estimated time, may very '' or other similar qualifications. The money was to be added from my bank account in XXXX. ( I am a citizen of XXXX but have studied and worked in the US, and I made the transferwise account while in the US ).
I used the " trustly '' option to add money to my account. ( trustly is the external service provider that transferwise uses to transfer the money ).
I transferred the money on XX/XX/XXXX, and after making the transfer - the money having been drawn from my bank account in XXXX - I am told that the money will actually not be available until XX/XX/XXXX. 6 days, not 4 minutes!!!!!! I have contacted the company 's customer service and asked them to do something multiple times, e.g. provide me a temporary credit / access to the funds before the arrive on the XXXX, but they have repeatedly declined this. They are telling me that the transfer will be slower than promised as a result of banking holidays, something that transferwise 's website did not inform me of.
During my interaction with the customer service they repeatedly said that the money has been transferred to trustly and that they can not do anything as the money is now in the hands of trustly. I have not made any agreement with trustly, only with transferwise.com, so I do not see how it supposed to be my responsibility that trustly does not deliver the money as promised when it is transferwise that has promised me a delivery time of 4 minutes. If transferwise uses a third party to handle the service, and the service is not up to standard, then it is not fair ( and probably illegal ) for me to suffer as a result.
What fraud! I am very angry. It is misleading.
|
| 02/17/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
I wanted to pay a pending invoice to my outsourcing vendor in XXXX from my business account at XXXX and given that XXXX outbound money transfer was expensive, I opted to use wise.com for international money transfer and paying the vendor. It was 75 % cheaper.
I signed up on wise.com on XX/XX/2023, filling in my business details, shareholding, XXXX number, Business Name, DBA, Address, Shareholders name and addresses, DOB, and all personal information they needed in order to process the account.
Next step was to take picture of my ID and myself live on camera and I did that too. After that step I was asked to connect via XXXX to my business account and I finished that process and then initiated a transfer on XXXX XXXX itself.
I got a transfer confirmation email with subject " Your transfer # XXXX '' on XX/XX/XXXX itself. I sent a XXXX message to my vendor immediately as under " Just paid XXXX invoice. XXXX XXXX to your ac is showing XX/XX/XXXX Amount is XXXX USD '' I got a message from My vendor last week that they did not get the funds in account and wanted me to follow up.
I tried to login to wise.com but it showed that my account was deactivated. I got no email, no notice, no documentation request, nothing from Wise on this action. I logged into my chase account and didn't see money withdrawn from my business account.
I followed up via email to get a written response but have not been provided XXXX with exact reason for deactivating my account. This is a new business, they verified it, then they got my personal Identifiable information and connected to my bank and then they deactivated account without notice or giving any specific reason.
I need full disclosure please on this. Even if my account gets reactivated, I will need to know why it was deactivated. If others are treated and get their account opened, I feel I am discriminated against without giving any reason.
|
| 11/22/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Problem with customer service
|
|
Web |
|
|
Using Wise ( formerly Transferwise ) I began a transfer of around {$4000.00} USD into XXXX Pesos on XXXX XXXX, 2022 using a business account.
-It is important to note that setting up the business account cost me {$31.00} USD and it required me to provide proof of address of the business, ID 's of myself and account details for my business.
The next day, on XX/XX/ 2022 and after XXXX hours that Wise received the money they asked me again for proof of the bank account transfer and proof of ownership to this bank account ; I submitted them immediately. After XXXX hours of submitting it Wise sent me another email asking for the same details : I uploaded them again and called their customer service line ; they told me that I uploaded the documents in a wrong place but they've found it and will take care of it ( I did not wanted to argue but there is only XXXX place I could upload information ).
XX/XX/2022 still no news about the transfer. I called again and they told me they would take a look into it. After this, a button to share the status of the transfer appeared on my end and it was shared with the receiving end ( the estimated time to deliver the transfer was at most XX/XX/XXXX ).
XXXX XXXX, 2022 after another unproductive call to the customer service line another set of documents were requested over email and the web app. They ask again for proof of ownership of the account and again for an ID which i submitted. They confirmed they've received the documents but should wait XXXX hours.
XXXX XXXX, 2022 the button to share the status disappeared sending a very troublesome communication to the receiving end. Delivery status changed to undefined. I cancelled the transfer and asked for reimbursement.
After this I called every week to customer service without effectiveness. My money is still on Wise 's hands for a month now and with no clear date to when will I get it back.
|
| 12/03/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
Dear Wise manager, With due respect, I am maintaining a membership account in your financial institution.
I am sending this complaint on behalf on myself and the transfer sender, which authorization I got.
On XX/XX/23 an ACH transfer, tracking number XXXX was sent to me.
Last digit account number on XXXX transfer order was XXXX that do not match my Wise last digit account XXXX digit.
Receiving Financial institution must control that both, account name and account number, matches sender ACH order instructions before releasing funds to a beneficiary account. In case that XXXX account name is not consistent with ACH account number funds must be returned to the sender.
Wise was ineffective executing control mentioned above, as consequence funds were deposited on different account instead of returned to the sender.
I first contacted Wise Customer Support on XX/XX/XXXX and they replied that funds will be returned to sender and that Wise can not trace ACH transfer because funds have not been paid to Wise. I got the same reply in the next XXXX emails I sent to Wise XXXX XXXX.
On XX/XX/XXXX Wise customer XXXX contradicted its previous position replying that Wise denied a funds recall request because other Account XXXX withdrew the funds.
Wise Customer Support has not shared any information about if it was a fraudulent transaction or any action to investigate a fraud will be taken from Wise side.
The fact is that somebody who is not the XXXX transfer beneficiary withdrew funds that are not its property due to a Wise ineffective control.
I request Wise to return ACH tracking number XXXX funds to sender.
This request is sent on behalf of myself as XXXX transfer beneficiary, and on behalf ot the transfer sender, which authorization I got.
I look forward to your reply and a resolution to my problem.
Thanks
|
| 11/30/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Servicemember |
|
I attempted to transfer funds from my Swiss bank account ( in the amount of XXXX Swiss Francs ( CHF ) ) to my XXXX bank account ( XXXX XXXX XXXX using the " Wise '' money transfer service on XX/XX/2022. However, Wise ( or its partner bank/intermediary bank in the USA, XXXX XXXX XXXX appears to have either lost or stolen my money. For over XXXX months now ( since XX/XX/2022 ), Wise has not been able to track my money nor to refund it, despite countless e-mails to their customer service department and hours spent on the phone with my bank ( XXXX XXXX ) in the USA, as well as with Wise. Wise customer service has been shockingly and unacceptably incompetent and unhelpful. Essentially, they have not been willing or able to find or return my money. I have even suspected possible fraud ( though I'm not sure ). Finally, on XX/XX/XXXX, Wise admitted they could not trace the funds and offered to initiate a recall of funds ( which i had previously requested but they ignored my request. ) I asked how long it would take for me to get my money back and what the process is and heard nothing back. So I desperately wrote again & pleaded for a response and was, unfortunately told by Wise that, " no estimation or timeline we can provide for re-call, as it's outside our control ''.
This appalling situation and unprofessional, unethical practice on the part of Wise has caused my family and me undue, prolonged and extreme stress. I never want any other customer or human being to endure what I have suffered at the hands of Wise. I also believe Wise should not be allowed to operate as a money transfer company if they are going to lose people 's money and fail to provide adequate redress and customer service.
Please see attached document for details of my correspondence with Wise.
Thank you in advance for your guidance and support.
|
| 04/04/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
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Web |
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I have used Wise ( previously Transferwise ) for over 2 years to make weekly payments to parties in the XXXX and more recently to XXXX as well as domestically to the U.S. I made three transfers on XX/XX/23 and those went through. Since then I have attempted to make an additional transfer ( on XX/XX/23 and again today XX/XX/23 ) in the amount of {$120.00} but the Wise app and website keep claiming that there isn't enough money in my bank account for the payment to go through. This is false. The account in question has over {$600.00} in it.
I called their " customer service '' and the person was completely unhelpful and basically said there is nothing she can do : I have to wait 4 days for this to " clear '' and she blamed the ACH system because the 3 transfers have somehow " not cleared. '' This is a false statement. The 3 transfers have already been reflected on my bank account and the recipients have received the money - there is no " clearing '' needed. And I've never had this problem before. She claimed you can only make one payment at a time and then you have to wait 4 days and that is also not true, I have made multiple payments in the past, including the ones on XX/XX/XXXX.
I asked to be connected to someone ( e.g., a supervisor ) but she claimed none was available. Sounds like a real control risk here.
I am going to completely switch my business to a more reputable and reliable transfer service. I am asking you to investigate " Wise '' because something is clearly fraudulent going on here if I can't access money I know is in my account. These transfers are to people in XXXX XXXX XXXX who are supporting my business and although the amounts are small, this is what these people live on. Waiting 4 days is out of the question and would break my contract with them that requires payment in 3 days.
|
| 05/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
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Web |
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I completed a transaction through Transfer Wise using a credit card. Transfer Wise charged a fee to use the credit card however, they failed to disclose that the transaction would be considered a " cash withdrawal '' by my credit card company and therefore subject to fees other than a regular consumer purchase transaction. My credit card company, XXXX XXXX, charged a flat fee of {$20.00} for the {$160.00} Transfer Wise transaction, plus a minimum interest fee that applies for just the cash portion for two months in a row at a near 30 % interest rate. So in addition to the Transfer Wise fee, with the credit card cash fee plus two months of mandatory interest ( despite the fact that I pay off my credit card in full every two weeks ), I was charged over $ 30 % for the Transfer Wise amount of {$160.00}. Consumers need to be aware ahead of time so that they are informed of the potential consequences of using a credit card for these transactions. Transfer Wise, and other similar companies, should be required to warn consumers that transactions using a credit card are considered " cash withdrawals '' and subject to fees as appropriated by credit card companies when making a cash withdrawal. Also, that cash withdrawals may be subject to higher interest fees and high withdrawal charges for the transaction.
I was unsuccessful to have the charges reversed by my credit card company. I wrote to Transfer Wise to let them know that they should be informing consumers of these issues but did not receive a response. This is where your organization can be of help to consumers, by intervening and requiring the organizations to provide full disclosure regarding fees for these transactions. The companies are otherwise taking advantage of consumers charging outrageous fees and interest for very little amounts of money.
|
| 08/13/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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Web |
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Transfer wise of company is fraud and closed my account without prior warning and thereby frozen my funds unlawfully rendering me homeless without refunding me.
Wise closed my account around XX/XX/2023 and I filed an appeal on XX/XX/2023 for me to get a refund and wise has told me over email that they will not refund me.
Normally when an account is deactivated, the funds inside the account is always refunded to the owner.
Considering the nature of my need for this money I need wise to refund to my bank account.
I do not have any dispute in my account and wise is holding my funds unlawfully rendering me homeless.
To resolve this matter to my satisfaction, I am requesting that wise should refund me my money back now This is very frustrating for a company trusted to hold peoples money to deactivate accounts without warning and also without giving out the money to the owners.
As a result of this, I have been rendered homeless as I am not able to pay my rent and I sleep at motor parks.
Since XX/XX/2023 I have been homeless and sleeping on motor parks as I am homeless and my landlord threw my things outside as a result of wise holding the money I wanted using to renew my rent.
Wise in response said that they may hold my money for 5-20 days, but in this case it is more than 5-20 days since XX/XX/2023.
I will attach wise response saying they may hold the money for 5-20 days.
This is very unlawful and I need my refund back.
I have reported this matter to XXXX XXXX XXXXXXXX, XXXX, XXXX and XXXX XXXX XXXX as this is considered as a fraud.
I am requesting that wise should uphold this complaint and process my refund to me immediately and also wise should tender an apology to me for the damages caused as a result of this.
The email associated with my wise is XXXX XXXX
|
| 11/11/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
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Very good afternoon friends, a cordial greetings to distinguished financial protection institution, I was a user of the service provided by the transferwise company, since due to the economic and political situation of my native country ( XXXX ) I had to emigrate to XXXX, from the services that this company lends ( transferwise ) it was possible to send and receive money from family and friends for monetary help, but from one moment to another my account was closed on XX/XX/XXXX of this year, freezing a balance of XXXX usd product of my savings and work, in the midst of this pandemic and the situation that I have at the moment my wife is XXXX and we will have our XXXX in XXXX XXXX willing and my XXXX XXXX is in college I feel very anguished and desperate.
At the time of closing my account, this company gave me the option of requesting a refund of my money in its entirety, it turns out that on XX/XX/XXXX I received an email from an assistant of the wise company named XXXX XXXX where she told me not to They will make the refund, even so the status of the appeal says that my money was sent to my bank account of XXXX ( national currency bank in XXXX ) which I am the owner, they do not explain or give me any reason why they do not make the payment, I have made the complaint to their customer service email and they respond that they do not have access, my concern is that seeing the opinions of said transferwise company online there are many users who brand this company as scammers and abuses when withholding money. Please help me with this case, my financial situation and the responsibilities that I have make me desperate, my wife spends the day crying because we don't know what to do and that is not good for the XXXX that is in her XXXX. Please help me
|
| 12/06/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Servicemember |
|
On XX/XX/2023 I logged into my online account at Wise Bank and requested a domestic transfer of {$1600.00}. The transfer was being sent to a XXXX XXXX account that was previously 'Trusted ' by Wise and added to my list of trusted accounts. This is a transfer request that I make every month on the XXXX of the month. I have do so for a year without any issues. However, after submitting my transfer request, I was notified by Wise that my transfer has been paused while they verify my documents. Meanwhile, the {$1600.00} was subtracted from my checking account. I was not notified by email and was not given any details related to the type of documents that needed to be verified. I immediately used Wise support to create ticket XXXX XXXXXXXX. Two days later I received a response with instructions on how to login and cancel the transfer. The instructions provided were not able to be completed because the option to cancel was not available. I reported this to Wise support. I have since called twice to try to get the transfer either cancelled or completed. On XXXX XXXX, the customer service rep spent 15 minutes looking into why the transfer was paused. The representative told me she could not find a reason why the transfer was paused and verified that there were no documents that needed to be verified. She also told me that she did not have the ability to cancel the transfer or return the money to my account. She said after my previous conversation with a Wise representative that my ticket was being escalated to another department. I have not heard back from Wise or received any emails since XX/XX/XXXX. The {$1600.00} that is being held by Wise is not disposable income! I need depend on this money to pay bills which are not in jeopardy. Please help!
|
| 02/01/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
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|
Web |
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|
Hello.
I booked a vacation rental in XXXX, XXXX that I discovered on XXXX The listing on XXXX directed me to this website. XXXX XXXX XXXX
Through this website I inquired about the vacation rental I was interested in. I received a response. I was told the property is available and that I needed to transfer the full amount of the rental in order to secure the booking. Because this was through a XXXX booking site, they only allowed direct bank transfer. I used a site called wise.com to transfer XXXXXXXX euro into the account information provided. XXXX XXXXXXXX. I then received a confirmation of the booking. Also I was told I could cancel up to 24 hours before the booking.
When I tried to access the listing a few months later, it was completely gone. When I canceled the booking, I never received a refund. When I tried to contact the agency XXXX XXXX XXXX I never received a response.
Upon further inspection, this website is clearly fraudulent. Listings and descriptions dont match locations etc etc. They bate people through XXXX with the lure of a cheaper booking on their website. They further incentive the booking by allowing for a generous cancelation policy.
I have reported this website and fraud to the US FTC and a local police precinct in XXXX, XXXX.
I used Wise.com to transfer the funds to XXXX. One payment from my US checking account and one payment via my us XXXX credit card.
I have requested that wise request a return of fund from your bank, but they do not seem able to do this.
I will attach documentation of all related transactions. Email communication and police report.
This website is still active and likely continuing to steal money from people.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 11/14/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
On XX/XX/XXXX a XXXX transfer from XXXX XXXX ( XXXX XXXX ) has been initiated for XXXX USD. The XXXX status message provided by the sender bank helped me to track the money. Which showed that money has reached XXXX XXXX XXXX XXXX ( which Wise uses ) on XX/XX/XXXX at XXXX. Per the field XXXX in XXXX message I've confirmed that routing number and account number was correct and with a slight possibility that account name was not entirely correct. The account name included my name but with an additional word as well.
Money should've been in my account at this point but I've waited XXXX business days as Wise suggested on their application. With numerous calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I haven't reached any conclusion on the whereabouts of my money. Their so called " payments team '' has failed to track the money. They informed me in XXXX instances that they were unable to find the money. By fail I mean they couldn't even see any failed transaction as well.
The first email that I received from them was on XX/XX/XXXX. The email stated, " Sorry, we couldn't locate your payment. '' without any additional detail. The second email I received was on XX/XX/XXXX. This email had the same text as previous one but added this statement, " Thats because the account number entered was incorrect. So the payment was automatically rejected. ".
Now, this suggest that they were able to see the transaction and I should've received the money back long time ago. No such thing ever happened. Also the account number was correct. To clarify field XXXX was concatenation of my routing number and account number.
My sender bank informs me that the money has been accepted by XXXX XXXX XXXX XXXX ( Wise ) so no rejection..
|
| 09/30/2023 |
No |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
|
|
I have a business account with Wise, since before the name change from TransferWise. I represent a nonprofit org ( XXXX ) and have used them for years to receive donations and reimburse volunteers on out of pocket expenses.
Without warning, 3 days ago, Wise sent me an email stating I was deactivated : Weve deactivated your whole Wise account. We've also cancelled any pending transfers and refunded them to their origin.
Learn how long refunds take.
The reason behind our decision is because your activities exceed our risk tolerance. Please refer to section 1.2 of our Acceptable Use Policy, which states that we reserve our right to deny our services to any customers who exceed our risk tolerance. Just because we cant offer you our services going forward doesnt mean that we think your business activities are illegal or illegitimate it just means that we dont support those types of activities.
I appealed it, and they said they will keep the account closed. I got no other information why.
So now they have all the org 's money, so I asked for an ETA when they could send me back my money, and provided the same bank account info that was in the Wise account again in the Appeal form.
They linked me XXXX XXXX XXXXXXXX, which says ACH transfers such as mine can take up to 60 days.
I have reached out to them via XXXX in hopes it would be a helpful discourse, and learned many others didn't get their money for far longer than this.
I am still trying to work with them, but its frustrating because they give me bad links and advice ( telling me to go enter the info in the appeal form, telling me the 'self service ' was cancelled, all sorts of things ) and I have no idea how my org will operate with no money.
|
| 07/13/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
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On XX/XX/XXXX, I initiated a trade to sell {$500.00} to buy XXXX using Transferwise. Shortly afterwards, ( they claim hour and a half ), I was able to cancel the trade on thr app. The reason for the cancel is, I realised I held XXXX in my bank account, and traded with Transferwise for XXXX. But I only executed the trade for XXXX only after I was able to cancel the trade for {$500.00} on their app. The reason is I have cancelled in the recent past without incident. I have been unable to cancel on their app after a short timeframe and accept this as reasonable. This time, I was able to cancel and, because of all previous experience, believed there was no problem. In the past, if I tried to cancel, and the transaction was being processes as over 30 minutes or the US amount was already ringfenced, the Transferwise app did not allow it.
Because Transferwise took XXXX and then tried to take an additional XXXX, my XXXX XXXX has charged me {$29.00} in an NSF fee ; because taking the XXXX would have created an unauthorised overdraft on my bank account. I asked Transferwise to pay the fee as they took the XXXX, and then tried to take the XXXX. I only learned of the fee the following day when I got an email from my XXXX XXXX. I have had to contact Transferwise to try to resolve this every step of the way. I even have to chase them as they do not reply to my emails. Transferwise never contacted me without being chased, and I have had to intiate all contacts to try to resolve the matter. I requested times to justify their argument about cancelling an hour and a half later ( they did not comply ) or explain how I was able to cancel a trade and they still take the funds ( it has never happened before ).
|
| 05/18/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
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1. Three ( 3 ) transfers made from my XXXXXXXX XXXX to the Cdn recipient account to date that are not received : i ) {$2200.00} US ( {$3000.00} CDN ) sent XX/XX/XXXX.
ii ) {$300.00} US ( {$400.00} CDN ) sent XX/XX/XXXX I have submitted the recipient 's bank statement showing non-receipt. When contacting their bank, recipient is told no transfer appears as pending. I have previously send 10s of thousands ( if not hundreds by now ) in aggregate over the years using Wise, formerly TransferWise. The transfers have always arrived by the second business day and usually within 4 - 8 hours of being sent.
I have contacted them multiple times. Initially, I received what appear to be boilerplate auto replies. Now I am receiving nothing. I have not yet located the customer service phone number. It is not readily available on the app or site. It appears this is a known issue so I am not waiting longer to raise the red flag. My family needs this money and we can't wait weeks or months for a resolution.
I have attached the 2 'receipts ' Wise provides with a link on the app. The receipts imply that the reference number on each document a XXXX XXXX confirmation number. The recipient presented these to the XXXX division of their bank ( XXXX ). That team was unable to locate any inbound XXXX transfers in general or with those references, specifically. The next step Wise recommends online is to upload a bank statement demonstrating non-receipt since the date it was sent. This was done. There was no reply to this submission ( 2 days ago ) although they declare a response will come in 1 business day.
It was at this point I did some investigating and found that Wise has been doing this to others.
|
| 04/19/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
Hello, XXXX XX/XX/2019 i sent XXXX to XXXX with XXXX Two days after that, I tried to use my debit card and I realize I was negative.
I checked my account and I realized I was negative.
I don't know why but XXXX made 2 transactions with XXXX ( XXXX total ) If I want to send XXXX I can just make XXXX transaction not 2.
I called then and I cancelled the second transaction. And they said will take 5 days do get refund.
The first XXXX arrived in XXXX, the second transaction they send back to my account, and also they gave me one transaction for FREE because of this problem.
**Was n't my problem!!!!
Now ONE MONTH after got my money back I received a e-mail from Transferwise and they said I OWE XXXX, because they sent the refund 2 times.
I checked my checking account and there just one refund, I sent the screen to then with all the informations and they still want to send my name to the collection without PROVE.
I have a screen on XX/XX/XXXX I got XXXX witch was " pendent '', and in XX/XX/XXXX finally the XXXX shows again in my account as " available ''.
Just one time refund not two. Same reference number. They still can't prove it the debit!!!
Trying to talk with then but they still saying they will send this debt to collection.
THEY CAN PROVE IT!!!
I am very upset, I am very honest and this company is very desorganized.
I don't know what I have to do it, please help me I have all the proves I do not OWE anything and they want to destroy my credit.
They sent to me on XX/XX/XXXX the money was pending and in XX/XX/XXXX the money got available, same track number was just one deposit not two. They said there was 2 deposits NOT TRUE they cant prove!!!!
Thank you.
|
| 12/15/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
Hello, I would like to submit an official complaint against XXXX XXXX XXXX .
I have been a victim of fraudulent activity as Wise did not put in the right controls to verify fraudulent activities to prevent fraudulent transactions from occurring. I request that Wise reimburse my money ASAP as this is unacceptable as financial institution that should be doing proper know your customer checks.
I made a purchase for a handbag for USD {$4700.00} on XXXX XX/XX/2022 and paid this amount to a fake account that was set up on Wise. I was provided these details by the sellers wife who told me this was her husband. The Wise account details the seller gave me is as follows : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX : XXXX I then proceeded to make a transfer to this account as the above details were verified and approved by Wise as a legitimate account so I did not see any issues with the transaction. It is XXXX policy that a form of identity MUST be attached to the persons account for security and verification purposes and knowing this information, it gave me confidence that I was moving forward with a legitimate transaction to a legitimate source.
On XXXX XXXX I discovered that this was a fake account created by a fake person that I had sent money to. This was verified by the real wife who advised me that her husband IS NOT called XXXX XXXX and that her REAL HUSBANDS name is XXXX XXXX who DOES NOT have a Wise account. I raised a case via their website with Wise on XXXX XX/XX/2022 and also called to raise a case on XXXX XXXX but have not received any updates on my case.
|
| 04/29/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
We were trying to send money ( {$2000.00} ) from US to XXXX for medical purpose. XXXXe, Online Money Transferring vendor, on website promised that the money transfer will happen in just XXXX hours if I allow the site to access our Bank Information and that's what I did. Once the information is collected, the ACH debit immediately happened and money went out my account right away and then confirmation message said It's all set and the money will be available after 4 days instead of XXXX hours. We checked at the receiver end and confirmed that it was not received after 4 days.
After 7 days, I logged into the website just to check what happened and realized that they have not processed yet waiting for me to answer two inappropriate questions to be answered for the transfer to start. I called up the Help Desk with XXXX and the support user promised that this case will be expedited and the person will be sending a confirmation email at the end of the day, which I have not received even after 10 days. That shows failure in providing a satisfied Customer service.
I made a second call with Help Desk just to realize that my money is still not gone any where. So asked to get the transaction cancelled which will take another XXXX working days. XXXX was at least helpful to send an email confirmation of the discussion that I had.
So we will lose a total of 14 days on a money transaction and caused delay in the medical treatment for a XXXX patient.
I have done multiple transactions in the past with other companies, with no issues. I would definitely want XXXX to look into this and provide us a with a good compensation for the poor customer service and a failed transaction service.
|
| 10/13/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
Dear Sir/Madam, On XXXX XX/XX/2022 I made a money transfer to the company Wise, which operates with XXXX XXXX , in the USA, to be sent to a foreign bank at the value of US {$45000.00}.
This money was expected to be deposited into my own bank account at home. I have used Wise for over several years and never had any problem until this incident. I was contacted by email asking for an explanation on the money what I did and given the lack of contact from Wise for over two days, I requested the money be refunded. Wise, informed me that started the refund on XXXX XXXX and needed 2-5 working days to deposit it back into my account. This never happened. I contacted my bank XXXX XXXX, which informed me that the money was never paid back, they asked for a tracking number/ swift number from Wise, which refused to provide it. Since then, I have been calling and writing to Wise customer service every day ( I have the documentation ). After asking for my banking statement and ensuring that I did not receive the money, they informed me that a " second transfer was made '' on XXXX XXXX and I should again wait for 2-5 working days.
Every day, I contact them, I receive the same explanation : " We do not know why the refund hasn't reached you. We are escalating it with the team and will get back to you when we hear something back. We are sorry for the inconvenience. '' I explained to them that this goes beyond inconvenience and the I needed the money back immediately into my account, to no avail.
I am afraid of reports which indicate that they have done it to others.
I really ask for your assistance with this serious and urgent matter and your kind advice.
Thank you.
Sincerely.
|
| 05/14/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I am a customer of TransferWise ( now XXXX ) ( Membership XXXX ). I submitted two transfers that have the same recipient : # XXXX on XX/XX/XXXX, XXXX XXXX # XXXX on XX/XX/XXXX, XXXX XXXX All funds in XXXX are supposed to arrive in one working day. But there are significant delays. I have contacted TransferWise every morning and every evening in the last two weeks. But no progress was made. On XX/XX/XXXX, TransferWise received the requests from their banking partner XXXX.XXXX, then they replied and sent the information to XXXX.XXXX on the same day. Till now XX/XX/XXXX, I still did not receive any updates on the two transactions. It's easy for TransferWise to contact XXXX.XXXX directly to follow up on the progress, to see the current status of the two transfers and whether there are other issues that cause the delays. But they don't do anything and just wait. Even if I told them the funds from these transfers are in urgent need, they kept telling me that they have already sent the requested information to the bank and asked me to wait. They did not provide me any updates and are not willing to contact XXXX.XXXX again to see what happened.
My family moved from U.S. to XXXX this XXXX. All the funds are from our own savings and are used for our house downpayment in XXXX. Because of the delays, we can't provide the down payment on time, and we will lose XXXX security check as well as our first dream house in XXXX. We feel frustrated every moment in these two weeks.
Please ask TransferWise to address the issues with their banking partner XXXX.XXXX directly, and have the recipient receive all the funds as soon as possible. We don't want any delays.
|
| 07/18/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
1. My XXXX registered company is a paying customer of TransferWise Ltd. As part of its services to us, Transferwise has given us a bank account in the US with XXXX XXXX
2. A customer of ours did a wire transfer of ~USDXXXX to our bank account on XXXX XXXX. This amount did not reach us.
3. Our customer 's accounting section says that the funds have gone out from their bank account into the recipient bank account.
4. This is an inbound transaction to our bank account via TransferWise. The funds are sitting inside Transferwise systems somewhere and they have failed to discharge their lawful duty in putting the funds into our bank account.
5. On XXXX XXXX, I contacted TransferWise support with proof of the transaction asking them what's going on.
6. Since then, TransferWise has been stonewalling and refusing to do anything, absolutely anything, citing " privacy issues ''.
7. I fail to see what privacy issues are being quoted here.
8. Imagine this - thousands of dollars have been transferred to us which TransferWise is lawfully required to transfer to our account. Not only have they failed to do that, they are not even willing to look into the matter.
As a consequence of this, our essential working capital is stuck. We are a software XXXX startup and we need to make many many different payments for our inbound services. Every day of delay in not receiving the funds from TransferWise means that we are unable to pay our suppliers, which severely hampers our ability to serve our customers, which means we dont generate any revenue - its a massive cascading effect which can sound the death knell to a startup that has just been incorporated.
|
| 08/06/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
Received USD XXXX for work done by XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX to online Bank Account with Wise ( formerly Transferwise ), XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX.
To transfer USD XXXX from Wise, USA to XXXX and with no direct way to move money directly from Wise to XXXX, I thought to to move USD XXXX from Wise to XXXX by transfer to a XXXX XXXX XXXX virtual account linked to XXXX. ( account details attached ) On not getting the funds to my XXXX on XXXX XX/XX/2022 as expected, and as displayed on the Wise online funds transfer tracker, I inquired from XXXX.
XXXX responded saying, " Even if XXXX XXXX is linked to XXXX, there is no set up for XXXX XXXX to automatically transfer funds to XXXX ( that is nowhere in current existing services offered to XXXX XXXX ). '' ( screenshot attached ) They additionally explained that the virtual account at XXXX XXXX XXXX account and linked to XXXX is not a regular bank account and can only reads funds already in XXXX and can not receive funds directly. Subsequently, I did not and will not receive the USD XXXX through XXXX from Wise.
I reported the matter to Wise.
They keep insisting that it is only XXXX that can initiate trace the funds. But I did not transfer from a XXXX account, but from my Wise account.
XXXX Wise instructions, I asked XXXX to confirm that they indeed sent me the USD XXXX, which XXXX did with a valid bank statement. ( attached ) I also gave Wise my XXXX XXXX statement for XX/XX/2022 showing I did not receive the USD XXXX as expected.
REQUEST : could Wise kindly initiate a " trace and recall '' as the USD XXXX is somewhere between Wise and XXXX XXXX XXXX.
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| 09/15/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
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XXXX this person on XXXX. Got lured into this website site ( XXXX XXXX XXXX ) by this person from facebook ( XXXX XXXX XXXX XXXXXXXX ). I Deposited money with international money transfers apps ( XXXX XXXX XXXX XXXX XXXX XXXX ) including bank wire transfer and XXXX XXXX XXXX. Once I started trading with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then I can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research on the scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account XXXX XXXX XXXX XXXXXXXX Please help me, what should I do to get my funds back. I have other transactions starting XX/XX/2022.
|
| 05/25/2017 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Wrong amount charged or received
|
|
Web |
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This relates to an international transfer of funds from my bank in the United States to a recipient who lives in XXXX , using a service called transferwise.com. The amount of the transfer was XXXX XXXX , plus a XXXX XXXX fee charged by transferwise for a total transaction of XXXX XXXX . Per transferwise 's instructions, I directed my bank to send XXXX XXXX to XXXX , XXXX And XXXX ( XXXX ), t he bank in XXXX designated by transferwise to receive the funds. A day o r two la ter, I received a communication from transferwise informing me that only XXXX XXXX had been received. I confirmed with my bank that it had indeed sent XXXX XXXX , so I asked transferwise what happened to the missing XXXX XXXX . At first, transferwise said that some bank along the way MAY have charged a fee on the transfer. Later, it became clear that transferwise 's own bank was the one that charged the fee. My complaint is that transferwise knew that its bank would charge a fee but failed to disclose that fact prior to the transaction. I would not have used this service had I known of the additional fee. I have asked transferwise to reimburse the fee, but they refuse on the basis that it was the bank, not transferwise, who charged the fee. Transferwise does say that they will return the XXXX XXXX , but cautions that its bank may once again charge a transaction fee on the returned funds. Additionally, the fee I paid to my bank in the United States for originating the transfer in the first place will be forfeited and I will incur an additional fee from my bank for processing the returned funds.
|
| 08/18/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
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|
Web |
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I received a notification on the XXXX of XXXX that a transfer to my account was put on hold and that I needed to provide further information. The reference number provided to me was # XXXX. The amount is not stated, but I am expecting XXXX USD ( minus any bank fees ). I submitted the requested information on the same day. I received confirmation that everything was set via email. I was expecting to see the funds the next day as normal, but I didn't see anything so I wrote my bank asking if everything was OK. They told me they needed more information, which I provided. I received confirmation via email from an agent on Sunday the XXXX of XXXX that they had everything they needed and to review the case. Monday, I still did not receive the funds so I emailed the agent again and didn't receive a response. I chatted with an agent online and they let me know that these checks will take 1-4 business days and they will get back to me. I waited until Friday the XXXX and still didn't have any funds or answer from them so I reached out again via chat. The agent told me that they escalated my case, they could see it was still in progress but they would be in contact with me. The next day XXXX hadn't heard back so I wrote again, and I was told these things take time and all I can do is wait. I wrote via XXXX complaining about the response and the fact that I still do not have the funds, or any idea what so ever about why the funds were placed on hold. I have been in contact with them via XXXX since then ( today is the XXXX of XXXX XXXX and I still have no answer as to when my funds will be available or what checks are taking place.
|
| 07/29/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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My name is XXXX XXXX XXXX, I am a customer of Wise and my email address on wise is XXXX but Wise is very unfair in for stealing from me This company is fraud and deactivated my account with over XXXX USD inside my account.
The reason I am complaining here is because I have a USD account with wise and had over {$22000.00} inside my wise account.
When my wise account deactivated, I previously submitted an appeal but the bank account I submitted was hacked and closed and I have sent in my new bank account details and instructed wise to send my funds to the new bank details, but I haven't heard from Wise and because of this, I am not able to renew my rent because wise is holding my funds.
My landlord is about to send me out if I do not renew my rent within few days.
I have explained everything to wise in an email and sent official email to wise with the new bank account details for wise to refund me but wise has not refunded me yet.
The ticket number of my email to wise with my new account details is XXXX I want wise to refund my money in USD using the routing number and account number I provided to Wise and I also want wise to send transfer receipt to my email upon reading this complaint.
These are the details in which I want my funds to go to in USD Routing number : XXXX Account number : XXXX Account owner name : XXXX XXXX XXXX I want wise to convert all the money leftover in different currencies in my wise account upon closure to USD and send to me in the USD bank account I provided to Wise in email, and not the Malaysian account I previously submitted to wise during the appeal as the account as been hacked
|
| 06/21/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
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|
Web |
|
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Dear CFPB, I work as a XXXX XXXX XXXX and on XX/XX/2021 I sent {$1000.00} of my salary to my US account that was held by XXXX ( former TransferWise ) XXXX XXXX XXXX from my XXXX XXXX XXXX XXXX account. On the XXXX of XX/XX/2021 I sent another {$1000.00} of my salary to the US account held by XXXX ( former TransferWise ) XXXX XXXX XXXX. I was able to do an international transfer and paid for debit card fees with balance left of {$1100.00} and some additional balance in the XXXX XXXX still provided by XXXX.
However I work up to a rude shock with XXXX having closed my account and promising to refund the money left in 2 days now its many days later and they even barely respond to my numerous emails requesting a refund. I have even furnished them with details of the transaction and the bank account that they can use to refund the money as attached with this complaint but my pleas have fallen on deaf years. I am the bread winner and support my family and this event has put me in a very bad situation and would honestly need your help to recover the funds and have it sent to my account. I have written numerous emails even to the CEO and CTO and just about all manner of emails I could get about the company but no one is interested in helping me get my refund since they said they have the prerogative of closing accounts and have no obligation of telling the customers why. I do not care about their account I just need help in recovering my stolen funds. I deem the funds stolen since no one is responding to my emails despite having promised to refund me in two days.
Kindly I seek your help in following up with this matter.
|
| 01/18/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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My name is XXXX XXXX XXXX XXXX, I am a Transferwise customer with email address XXXX Transferwise has deactivated my account with over XXXX XXXXXXXX XXXX without refunding to me.
Each time I tried to appeal by submiting my bank details in the wise appeal website, I got an error message that I need to send email to XXXX XXXX XXXX which I did with subject " My Refund Details '' and tickets number XXXX was given to me on XXXX XX/XX/2022 containing my bank details which I need wise to send my refund to.
I also sent email to wise support email which is XXXX XXXX XXXX containing my USD bank details and instructions on how I want my refunds to be sent to me, but I got no reply. The subject of my email to wise was " My Refund Details '' and the date of correspondence was XXXX XXXX, 2022 I will share the details of the instructions I sent to wise here My decision is as follows ; XXXX. That Wise to convert all the funds that was leftover in my Wise account to USD and send to my USD bank details below : Bank Name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX Routing Number : XXXX Account Number : XXXX XXXX. I also need wise to cancel any pending transfers on my account and move the money to my refund bank details Which is stated in decision number XXXX.
This means if there was any pending transfers to any beneficiary before my account got deactivated, wise should cancel those transfers that wasn't completed and send the amount to my refund Bank details which is Routing Number : XXXX Account Number : XXXX.
I want wise to respond in timely manner and send me my refund and provide the refund receipt to this complaint
|
| 07/27/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
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|
Web |
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On XX/XX/XXXX I submitted a transfer request in the amount of {$4300.00} with the company TransferWise, now rebranded as Wise.
There was no communication of any need for verification at the time this company accepted the wire transfer. Thus, the funds were taking from my bank account prior to me having any knowledge of the extra time it would take for it to be delivered.
Once funds were received the company communicated that the transfer would undergo verification. According to them this would take 4 days and the money would be delivered on the XXXX of XXXX.
Today is the XXXX, marking 15 days since the transfer was requested and the money taking from my account. It has been 11 days since the scheduled delivery date.
I have called the company 5 times. Each time I was told that they would verify my account and call me back. I have not received any calls from the company. I have also sent emails and messages to their XXXX page. They refuse to give me a straight answer as to a realistic timeline. They refuse to refund me the money. They refuse to deliver the money to the person I sent it to. They refuse to explain what exactly this verification means.
This company has fraudulently kept my money, not paying interest for having borrowed it, and continues to refuse to deliver on the services I have paid for.
Had the company communicated clearly the time it would time for the transfer to undergo verification, I would have had to opportunity to make decisions that would minimize the harm caused by it.
Instead, their lack of communication and transparency has cause extreme difficulty to myself and others.
|
| 05/05/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Older American |
|
I signed up to Wise.com - I needed to transfer {$8200.00} to XXXX to pay a shipping company importing my household furnishings there. I submitted all the identity documents they requested ; I verified my bank account via their system and proceeded to make the money wire. I received a XXXX XXXX request to send more information : Why I needed to send these funds and who was the person I was sending these to. I guess I did not answer soon enough, and the account was closed. I saw the information request on my phone a XXXXXXXX XXXX, it was sent at XXXX XXXX.
I sent an email with the information they requested at XXXX XXXX ( approx. ).
I called their customer service and they said they could provide no information.
I sent an Appeal email, but it can take up to 20 days.
There is no basis for this action, all my personal data is legally compliant, verifiable and was shared with them.
My credit score is almost perfect and my relationship with my bank is more than 25 years old.
The only explanation is my XXXX name and my XXXX destination ( I am a bi-national, XXXX ) XXXX
I feel I was typecast and discriminated against in the middle of the night and given no explanation or resource to appeal other than this open ended " send us an email and we will respond someday ''.
If they are suspecting me of being a narco or money launderer because of my ethnicity they need to present their facts to back up their suspicions and give me an opportunity to respond.
This is blatant XXXX discrimination unless explained in some other way. and if so, why can't I respond to whatever questions they have?
XXXX XXXX
|
| 06/28/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
My name is XXXX XXXX with a wise member number : XXXX which my account was deactivated by wise wrongly and Wise has stolen my money Email address associated with the deactivated wise account is XXXX I had Funds into my wise account in different currencies such as British Pounds, XXXX Dollars, XXXX and XXXX XXXX making thousands of dollars.
I previously submitted an appeal to have my funds sent to an account provided but unfortunately the bank I previously submitted which is XXXXXXXX XXXX with account number XXXX has been closed I wrote again to Wise on chat with a wise agent XXXX by submitting my current bank details and my identification documents including a selfie holding my ID card which she asked me to which my refunds are to be paid into by Wise. I was told it has been forwarded to Wise relevant teams to send my refund. I asked for a proof that it was forwarded to the relevant teams and I got an official email from Wise agent by name XXXX confirming that my new bank details has been submitted to Wise for a refund and that I would receive my funds within XXXX days but I have not received.
Here is my new account details which I submitted to wise : Routinng numberXXXX Account number : XXXX Account name : XXXX XXXX I need this funds immediately as wise is accused of stealing people 's fund. I have read thousands of cases on XXXX and XXXX from wise users who are going through same issues All my funds in different currencies should be converted to US dollars and sent to me in my account details I have provided which is Routinng number:XXXX Account number : XXXX Account name : XXXX XXXX
|
| 03/09/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
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|
Web |
|
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I want to file a fraud transaction report that happens to me, I have become a fraud victim on our transaction with XXXX XXXX, XXXX, XXXX, Florida. - I pre-ordered five XXXX Bikes with total of {$15000.00} in XXXX XXXX. I did a wire transfer to XXXX XXXX Account two times, {$9000.00} in XXXX and {$6000.00} in XX/XX/XXXX. XXXX XXXX promised to deliver these five XXXX in mid-XXXX XXXX. However, until today ( XXXX of XX/XX/XXXX ), they have not delivered any of these bikes, or sent any refund to us. - I have tried to discuss with them since midXXXX XXXX, regarding our order and possibility of refund. However, they always make an excuse to us in regards the delivery, pick-up in store & refund, also I have a difficulty to contact them. - I have contacted our Bank, to help me to get the refund. However, they could not help me to reverse the wire transfer that has been made. I made three wire transfer with two different Bank. My first bank transfer was with XXXX XXXX, and my second & third transfer was with TransferWise. - Furthermore, I checked some review in XXXX, XXXX, XXXX, and XXXX about XXXX XXXX, I found there are some people that has a same issue likes me. Based on this information and our above-mentioned situation, I believe that XXXX XXXX has done a fraud transaction to us. - I have all the evidence to support my case, such as my wire-transfer, invoice and written communication with XXXX XXXX. I hope CFBP Team could help us to solve this issue, and prevent this issue happens again to our community. Thank you so much for your attention and further support. - Warmest Regards, XXXX XXXX XXXX
|
| 04/29/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
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I created an account with TransferWise.com in XX/XX/XXXX to transfer some USD to DKK for a trip to The XXXX XXXX in XXXX, XXXX.. I did not use the account after that. TransferWise.com then changed to XXXX in XX/XX/XXXX. In XX/XX/XXXX, the email address that was associated with my XXXX account was 'spam-bombed '. I could not send/receive emails for several days as a result of my email address receiving thousands of unsolicited emails. In XX/XX/XXXX, I had worked to try and 'unsubscribe ' from the hundreds of sites that I had been receiving emails from, and began trying to use my email address again. I found an email from XXXX saying that my account had been deactivated because of an outstanding debt of {$15000.00}. I searched through the tens of thousands of emails I had received and found one in XXXX that contained a PDF saying that I had tried to convert {$15000.00} of USD to PLN on XX/XX/XXXX, and XXXX, XXXX. The bank account numbers on the PDF were not mine. It's clear that someone compromised my account and changed the bank account numbers and attempted to wire/transfer currency in my name with a bank account that does not belong to me. I have tried to contact XXXX numerous times. They will not help me via email because my account has been deactivated. When I try to call, they have very short hours during the working-day, and when I do have time to call I am told that there may be a wait time of 30+ hours. They will not schedule a call-back, have no chat service, and yet I have a document claiming that they will send me to collections for what is clearly fraudulent activity.
|
| 05/12/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
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I sent a transfer from XXXX XXXX XXXX to my mother 's account in XXXX XXXX using the money transfer company, 'Wise ' ( previously known as TransferWise ) on XX/XX/XXXX. I have attached the transfer details to this complaint. The facts are as follows : - I sent {$1200.00} to Wise from XXXX XXXX XXXX on XX/XX/XXXX - Wise acknowledged receipt on XX/XX/XXXX - The money did not arrive and I called on XX/XX/XXXX to inquire as we discovered that the account I had provided at the receiving bank had been closed ( Without my knowledge ). I sent them evidence of the account closure and they told me I had to wait for the money to " bounce back '' - I called on XX/XX/XXXX again and they said I should keep waiting - On XX/XX/XXXX I spoke to them again and Wise advised that they would initiate a funds recall via their intermediary bank ( XXXX XXXX ), but they said they could not guarantee actually finding the funds, which I found really outrageous - The result of this recall is that I received {$320.00} of the {$1200.00} and on XX/XX/XXXX Wise explained that they could do nothing about it and that they would not be able to investigate anything further. The answer to every question I've asked them in this process is " they don't know '' and they have no way of knowing, which is shocking as costumer entrusting money to them, and not have them be liable for this money.
To sum up, no service was provided, my recipient didn't receive the money and I lost a considerable amount.
At this point I have no ability to get these stolen funds and I am seeking CFPB support in having them returned.
|
| 05/06/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
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On the XX/XX/2019, I executed 2 transfer ( s ) on the Transferwise platform under transaction ID : XXXX and XXXX for a total amount of US {$6000.00} where I was looking to sell those US $ to buy Euros and Sterling GBP. This was executed on the usual XXXX XXXX XXXX XXXX ( XXXX ) Account of Transferwise as I have been doing over the past 6 months On the XX/XX/2019, after Transferwise and XXXX received those US {$6000.00}, I received a notification from Transferwise that the transaction was cancelled as the bank account details was not accurate. Transferwise advised that the transaction was being cancelled and that I will receive the refunds within 2-5 business days On theXX/XX/2019, Transferwise advised that the transaction was cancelled because of a change of license and hence had a new bank account for non-US based US $ transaction. This change of license was never communicated and was not explained on the platform when executing the transaction On the XX/XX/2019 after multiple phone calls to Transferwise and several e-mails Transferwise sent a document arguing that this was a proof of cancellation and return of fund. This document was shown to XXXX XXXX XXXX with all details. XXXX advised that they never received any communication from XXXX that these wire transfers were cancelled. Typically for bank to bank transfer a swift message is sent so the other party bank can take appropriate action On the XX/XX/2019, after 11 days ( 7 working days ), no money has been received on my bank account. I have been spending more than 10 days with no idea where are my US {$6000.00}
|
| 07/09/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Older American |
|
Approximately XX/XX/XXXX, I tried to use Transferwise to transfer funds of about {$150.00}, to a student in XXXX who is in his last year of college. I have been supporting him so that he can finish and get his degree in Mechanical Engineering. He and I have had an on-going friendship for over a year and I am comfortable with his truthfulness. I feel like I am his mom. We text on a regular basis, and he never has asked me for more than he absolutely needs. In fact, he does not ask at all ... I just send him a little money whenever I wish to help him out. I anticipate no longer needing to send him any money after he graduates in XXXX. I have no doubt he will be able to secure a job.
Now, I find I can no longer send him any funds and this breaks my heart. There is also a XXXX year old boy in XXXX that is an orphan and lives is an orphanage in XXXX. I have been helping to pay his tuition for the past 2 years. He wishes to become a doctor. He is highly intelligent and I want to see his dreams fulfilled. I am so proud of this teen.
But, I am barred from sending him any money also. This is not right. The funds are MY money. I don't need the government to " save '' me from myself.
I am not, nor are the people I support in XXXX, money laundering. I have vetted these young people and am comfortable with their truthfulness. I am extremely careful with whom I make friends with. I want to be able to send them funds for as long as its needed, or at least until they have finished their educations.
I am requesting your help in this matter.
Thank you
|
| 05/11/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
Since XXXX, I use the services of Wise.com ( formerly Transferwise ) for US to Europe and EU to US money transfers in EUR or USD.
On XX/XX/XXXX, I transferred XXXX $ to my Wise account from my account at XXXX XXXX XXXX.
Wise.com recorded the incoming transfer from XXXX on their corporate XXXX XXXX account on XX/XX/XXXX and notified me that my money can not be sent to my XXXX XXXX account under the pretext of missing information concerning my account name, number and wire transfer details at XXXX XXXX XXXX ( the bank they got the money from ).
I submitted comprehensive information about my XXXX XXXX XXXX account, name, account details - despite that, Wise.com did not credit my account with the XXXX , but went silent and kept the transfer on hold. I called their service center three times on XX/XX/XXXX and XXXX, and although the call center agents said the information was comprehensive, the money was not credited to my balance. They had no explanation why Wise does not process the information I submitted, held back the transfer, or even credited it to my account. The XXXX $ is inaccessible to me.
I assume Wise uses the collection of more information as a tool to prolong transfers in the interest of cash management. A transfer that normally takes 2-3 business days has been put on hold for several days without proper explanation.
I would like to request the CFPB to investigate the deterioration of customer service at Wise.com. As I write this, nobody at Wise.com could so far explain why the XXXX $ are not credited to my account balance.
|
| 05/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Hi There ; I am XXXX resident for USA, XXXX XXXX, Living in XXXX XXXX and own my XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX with document number XXXX and XXXX Number XXXX with its registered address through our registered agent as XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX DE XXXX. We are paying regularly the yearly fees for XXXX membership as well as registered agent XXXX XXXX.
In XXXX we had opened our business account in Transfer Wise, now its Wise and account number allocated to us as Account holder : XXXX XXXX XXXX XXXX.
Routing number : XXXX Account number : XXXX Account type : Checking Address : Transfer Wise XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX United States We had published this account to our XXXXwebsite payments and were receiving payments smoothly. Also we were sending payments/ costs to our vendors from same account.
This month while receiving a reoccuring payment from our client in XXXX XXXX XXXX XXXX for amount of XXXX USD, Wise terminated our account without prior notice, took online access from us, so we could not get our money from the account balance. We submitted appeal in their online system, they accepted our appeal and we got back the login information, but account held blocked temporarily. We initiated our balance to move out to our other bank account but these transfers were kept on hold, saying we are checking details.
Now account is permanently closed with no access to account. Money which was in balance is not received and we lost our clients with this tricky behaviour of our bank.
|
| 09/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I set up an account with TransferWise several months ago. It took them a very long time to verify my identity and get me a debit card -- much longer than they promised. But when the account was finally established, I linked it up with my Massachusetts unemployment payment via direct deposit. But the first two payments of {$2100.00} and {$1400.00} never arrived in my account. I contacted TransferWise approximately 25 times over several weeks to try to get to the bottom of this. But they kept asking for more information and more information. I obliged them every single time. But they did nothing. It has been several months now and they still haven't given me my money.
Eventually, a TransferWise customer service representative sent me a message over XXXX XXXX saying the deposits were rejected because they can not " accept deposits from the United States federal government. '' I replied that the State of Massachusetts is not the federal government. They said they would look into this.
Since then, my more recent direct deposits from Massachusetts unemployment have indeed been coming into my account. This shows there is no problem with TransferWise receiving money from Massachusetts unemployment. But the question remains what happened to my {$3500.00}? Massachusetts unemployment told me that they sent the money and that it was never returned to them.
After several months of contacting Transferwise, they still say they are " investigating. '' But they have made no progress and they still have my money. I need this money to live.
|
| 10/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
The company ( WISE ) asked us for some documents and extra information about our transfers the day XX/XX/XXXX, they stated that it is a routine check.
We replied and sent all the required information the day XX/XX/XXXX ( within the 7 days that they kindly asked us to get back to them ).
After sending the documents, our account was " frozen ''. We could still access to the account but we could not send nor receive any transfers ( our provider stated that they were sending the payments and making the transfers but we never received them in our account ).
After that we received an email saying that everything was fine, but we still had our account frozen ( we couldn't receive any transfers )... we tried to contact them to know what was happening and we were waiting for almost XXXX weeks for a response. I sent several emails, called a lot of times but they just stated that there was XXXX document still pending of revision.
The day XX/XX/XXXX they just closed our account and asked for bank details through our appeal to refund our money back. Our account had around XXXX in balance, but over XXXX in pending transfers!!
So after filling everything, they refunded us the money that was in the account which was around XXXX but we still don't know what happened to the transfers that never came! I tried to contact them several times but they don't give me any information. I talked to our provider aswell and they say that the transfers were made and none of them were returned to the sender So they are keeping over XXXX from us!
|
| 06/05/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
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|
I XXXX XXXX XXXX, and I was doing my business through. Beginning of XXXX I was facing problem of buying through this online account. I did my all efforts including approaching XXXX my supplier but all in vain. Then I posted my problem on my XXXX account and few account holders of my business approached me but they couldn't fix it.
Then a XXXX XXXX on dated XXXX XXXX XXXX, contacted and he told me to deliver XXXX $ to an account for proxy and I did at XXXXXXXX XXXX XXXX from my mobile. And then at XXXX XXXX XXXX XXXX I received a message from wise bank by email that XXXX $ delivered to same account which I did not deliver even no one asked any XXXX or any account details. This boy was setting proxy on my account when I asked him about money he started abusive language and disconnected the call. Then wise bank responded my query which I quickly registered and refund my amount after all investigation on XXXX. But unfortunately wise bank took back my amount XXXX $ XXXX $ on XXXX XXXX without any prior info and emailed me that they are not responsible for this fraud. My humble appeal is that if bank can took back my account money without any prior info, why not a culprit account can be access as he is also using the wise bank for his business purposes. Bank has done all the required details and investigation bout his account already.please help me regarding this illegal approach of my personal business account and grabbing of big amount XXXX $ from my account with out my permission. I am waiting for your kind response
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| 02/01/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
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Web |
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I had a Wise account XXXX XXXX XXXX //wise.com XXXX with XXXX XXXX XXXX XXXX
XXXX XXXX and XXXX... XX/XX/XXXX of XXXX ) After recieving a few payments they decided to forcerly close the acount, since I had " violated the terms and conditions ''. When inquired, They were not able to clarify what terms and conditions I was violating, leaving me out of the account and funds, They gave me access to a sequence of steps in which i had to fill a form and enter a bank account of my preference so they will send the money to that account.
Picture XXXX... XX/XX/XXXX of XXXX Once I succesfully compled the form they replied by email saying " money is on its way '' and it should take about XXXX working days XXXX at most '' ( not providing transaction receipt of any sort ) Picture XXXX XX/XX/XXXX of XXXX After XXXX working days had passed I contacted via mail asking about the money with no reply. Then I tried calling customer service XXXX times, They told me something different and vague each time, and ended up telling me to send an email to XXXX XXXX XXXX ( the same address they didnt reply before ).
Picture XXXX ... XXXX the XXXX of XXXX I sent a second email telling them to stop ignoring and playing with my time and money or I will make a complait to the CFPB, still no reply.
Picture XXXX, Present day ) If I go through the customer center where they explain how to get the funds from a closed account they let me check me account status, when i enter my account details it says that the money has been refunded already.
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| 04/25/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Other transaction problem
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Web |
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My checking and savings accounts were compromised with multiple transactions being debited to the Wise company. I was able to contact my bank and stop some of the transactions, but some were still processed and the bank was unable to address it. I contacted the Wise company multiple times. I was unable to access Wise online and when I called them they told me the account had been closed. I was instructed to submit an appeal online, which had to be done through an email link since I didn't have an account to submit it through their appeals process through their website. I received confirmation via email that it had been received and was told it would take up to 20 business days for the case to be addressed. I received this confirmation on XX/XX/2023. I called again after the given time frame and was given the appeal number and was told they would escalate the case. As of XX/XX/2023 I had still not received any correspondence. I called again today ( XX/XX/XXXX ) and was told I had not submitted the appeal properly since I did not use the link -- mind you, I CAN NOT ACCESS THE LINK ) -- and was told I needed to resubmit and it would take up to 30+ business days for this to be addressed. The money being held up in that account is having a severe impact on me, my family, my financials, and my livelihood. The customer service has been poor and reaction times have been atrocious. The amount that I believe is in the account is {$650.00}, although it is difficult to confirm since I am unable to access the account.
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| 12/07/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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Update to the previous complain, because WISE marked it as competed although it's absolutely not completed, and right at the moment they just cancelled my account without notice. This looks like a huge scam, I'm hoping to get a regulatory service to look at that.
Here attach their answer to my lost money : pretty much " we don't have the money, we're not liable '', but they gave me 2 WEEKS notice before changing account infos, assured that money sent to the old account would bounce back, but it did not.
It seems to me that wise cancelled thousands of accounts, and kept all the money sent to these previous accounts. Pretty much stole XXXX of XXXX of customers. Could you look into this please?
Thanks -- -- -- -- -- - previous complaint, not addressed -- -- -- I asked someone based in XXXX to send me money on my account with Wise. I have a XXXX account through Wise. Without notification, Wise changed my account number and put the old XXXX as not operational anymore, saying that " any payment done to that account will bounce back ''. Just like any interaction I had with Wise which is more and more looking like a giant scam, the money that got sent to that old account absolutely didn't bounce back. Customer support must be done by robots because it's absolutely useless and AI-like. They told me to check with the sender 's bank, but there's nothing to check, the money got sent, didn't bounce back. I suspect Wise kept the money and is doing that with tons of " deactivated '' account.
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| 09/24/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
|
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Web |
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This complaint is about XXXX, formerly known as Transferwise.
On XX/XX/2021, I took a XXXX car service from XXXX XXXX airport. As this is a car service ordered through an app, the price is already set when you request the ride. When I accepted the ride, the price showed XXXX. However, I was subsequently charged XXXX. When I contacted XXXX regarding this, they claimed the driver manually added an additional short-term parking fee as well as a longer ride fee. When I explained to XXXX that the driver did NOT have to pay the fee, citing that there was no wait time and XXXX has a specific area for ride service pick-up and no fee is charged to the drivers, XXXX ignored this information and refused to credit the difference. Additionally, the driver intentionally took a longer route through central XXXX while he spoke on his handheld device and frequently stopped. A ride that should have taken approximately 1 hour took 1 hour and 52 minutes.
XXXX still refused to refund the difference of what was overcharged, so I then contacted XXXX about the issue. It has now been two weeks and after first claiming that the would submit a chargeback, XXXX is now refusing to dispute the transaction, despite me explaining that at no point in the XXXX app does the word " estimate '' come up, nor did it state that I would be charged additional fees for airport pick-up when I ordered the service. I do not believe that XXXX is following US banking regulations in refusing to submit the dispute.
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| 03/23/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
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*Initiated a transfer of {$50000.00} USD to the account of a friend in XXXX XXXX XX/XX/XXXX via Transferwise.
*While the transferwise website indicated that the transfer was complete after 3 days the money did not arrive in my friend 's account *Upon contacting Transferwise, they indicated that the money was being held by their intermediary agent in XXXX was requesting additional documentation on the reason for the transfer. The transfer was to cover costs associated with our construction of a family home so we provided our land title and info regarding the source of funds.
*After many inquiries and approximately 10 days delay, we received a notification from Transferwise that the money was rejected and returned. The website requested routing and account info to transfer the money back to me. At this time I provided info for the exact same XXXX brokerage account from which the original transfer came.
*After several days the money did not arrive in the XXXX account and upon inquiring again with Transferwise, I was told that they can not transfer to a brokerage account.
*Subsequently I provided them information for a bank savings account under my name.
*I then received a request for documents showing from where the original funds came from, so I provided that even though there own records should have shown that it came from XXXX XXXX
*Now 3 days have passed and I have bot received the funds back into my XXXX account and customer service is now longer responding.
|
| 08/15/2018 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
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On XXXX of XX/XX/2018, I tried to transfer XXXX USD and XXXX USD to my brother, who lives in XXXX, to pay the medical bills of my mother. It was an urgent situation so I chose to send the money with XXXX XXXX ( www.transferwise.com ) Unfortunately, as soon as they received the money from my checking account, they deactivated my account. I have been trying to reach them and learn why they deactivated my account, why they did not transfer the money to my brother, why they have been holding my money instead of refunding it back to my checking account. To date, I have not got an answer. I have repeatedly called the customer service about the situation but all they have said to me is " we don't know ''. They don't give me a meaningful answer and they hang up the phone to my face.
Currently, I don't have enough money to pay the medical bills of my mother. I need that money as soon as possible. They are refusing to answer me. They are refusing to refund my money.
It is their job to transfer my money. If they are unable to transfer it, they should tell me the REASON and REFUND my money as soon as possible.
I trusted them but they have been holding my money and not giving an answer and reason why they don't refund it back to my checking account.
I need that money to pay the medical bill of my mother. I am a poor guy. I withdrew a loan from my 401K retirement account to pay the medical bill of my mother.
What I have been through during the last week is unbelievable.
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| 07/11/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Older American |
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I opened an account with Wise to facilitate transferring money from friends in several different countries who are all sharing XXXX accomodations in multiple countries around the world. My account was opened on or about XX/XX/XXXX. My friends ' accounts in the XXXX, XXXX and XXXX were opened around the same time. They transferred about {$1800.00} to my account, but about a week later Wise closed our accounts without explanation. When we protested, they denied our protest and we no longer have access to our accounts or any information as to amounts held or the disposition of the funds. When you attempt to file a complaint, it requires you to log in. This brings up a message saying your account has been closed and there is no further access. This feedback loop continues no matter where you go on the site. To get any specific information or file a complaint requies a log in, which they deny. I finally found a phone number for a US office for Wise and spoke to a customer service person who was unable to tell me anything except that my accont was closed. He provided an email address to contact someone who could help. This week I received a response saying the funds had been returned to the original senders, but no one who sent me money has received any funds back from Wise and neither have I. I don't have any paper documents to share since everything was handled electronically. Their entire operation seems like a huge scam. How do I get my money back from them?
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| 02/08/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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Web |
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I booked my honeymoon at a villa/resort in XXXX in XX/XX/2022. I received a confirmation email form the resort, and I was told that I had to pay the resort through Wise.com, as my card was declined for the first charge. I did not notice that XXXX letter at the end of the email had been different and this was a phishing email. I proceeded to pay the phishing email through Wise.com on XXXX different occasions. This XXXX was on XX/XX/2022 in the amount {$2700.00} for the booking. The XXXX was for a security deposit of {$1400.00} on XX/XX/2022. The XXXX was for monkeypox and covid testing for the amount of {$830.00} on XX/XX/2022. I found out that this was actually fraud when I landed in XXXX in later XXXX, went to the resort, and they explained that I had not yet paid. Luckily, I had the money, so I paid the resort and had a beautiful honeymoon. However, I was scammed and paid a total of {$5000.00} to a scammer in XXXX. I have email chains to prove what I went through, and I would be more than happy to forward these email chains on. When I tried to login in to Wise.com to report fraud, my account had been deactivated. When I tried to call to report the fraud, I was told that I would not be able to report the fraud unless I was able to provide my account number which I could not obtain due to my account be deactivated. When I submitted an appeal, Wise.com decided to keep my account closed. I recently reported the fraud to authorities at ReportFraud.ftc.gov.
|
| 05/20/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
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Web |
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I have an international money transfer account through XXXX XXXX I have used their services for appropriately XXXX year for my currency exchanges for travels abroad. Upon my return to the XXXX in XXXX going forward to XXXX, I have been unable to convert my remaining XXXX funds back to XXXX I have contacted the company about this issue by phone and also via their " contact us '' form via their app, and they have not provided a solution to retrieve my funds nor have they responded to my query through the " contact us '' form. I have used their service for almost XXXX year converting and re-converting my funds and have only had this problem XXXX time. I have conducted an online search recently and have discovered that they are withholding funds from consumers. They have held my funds without reason and solution for appropriately XXXX month. When I asked if why and who was responsible for this, the representatives say that it is Wise themselves and there is no reason. I told them that this is theft and they have stated that there is nothing they will do. I have phone recordings and I also have screenshots of my balance and the message received while trying to convert my funds to XXXX I have also threatened to close my account and can not even close my account because i have remaining funds which they are fraudulently possessing. I request that they refund my funds to my XXXX account and that my account is closed following this solution.
|
| 12/10/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
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|
Web |
|
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- On XX/XX/2023 I used Wise money transfer app to send {$49000.00} ( Equivalent of XXXX XXXX ) to send money to XXXX, XXXX to a real estate broker - On XX/XX/2023 I got email that my money is sent successfully and will be available in 2 buiness days. However money was not there despite calling Wise customer support manytimes I was just told we had sent it.
- On XX/XX/XXXX, I got email to send more documents and info about recipient which I shared same day.
- XX/XX/XXXX. I got email that info is processed and my money will reach there in XXXX days - XX/XX/XXXX : I got another email confirming money will reach there for sure by XX/XX/2023 - XX/XX/XXXX : Another confirmation, I was assured, money will reach by XX/XX/XXXX. So I initiated another transfer of {$50000.00} to same recipient.
- XX/XX/XXXX. Money was still not there, they asked me to wait XXXX more day. After 1 day, there was no money.
- XX/XX/XXXX : I got different conflicting emails saying money is sent and another mail that its still being reviewed by Wise partner team of Visa Payments Ltd XXXX XX/XX/XXXX : I got email saying essentially that money is lost and if we can not trace it all your funds are gone we can not help. Their words in writing : " If you do not receive a response from Wise after 30 days, the trace is considered unsuccessful and the case will be closed. '' At the time of writing this compliant, still my money {$99000.00} ( $ XXXX ) is no where.
|
| 08/18/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
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I sent {$12000.00} USD on the XXXX of XXXX from my XXXX XXXX bank account through Wise to XXXX. This fund was supposed to be available in three day but never came through. I am still waiting on the funds till date.
On XX/XX/XXXX, I requested for an XXXX from Wise to figure out where this funds where and also to send to my recipient bank. They took 7 days to respond to me and when they did and the XXXX was sent to my recipient bank. My recipient bank noticed that the intermediary number they used was not one they use and in that case would not work again. I have been calling Wise twice every day since the XXXX of XXXX to find a solution but nothing was done. I was only sent to customer service with a promise that the payments team would call me.
On XX/XX/XXXX, I ask them to recall my funds and send it back to me. It took them till the XXXX of XXXX to respond back saying they have initiated the recall but can guarantee my fund. I am beyond appalled by this.
On the XXXX, I realized the funds was sent from Wise to their partner bank ( XXXX XXXX ), XXXX XXXX sent this to XXXX XXXX XXXX based out of XXXX. Since my recipient bank never got this, I have told them the money is probably stuck with their intermediary bank. All efforts have proven abortive. This was an emergency fund and its been a month, without any proper guidance on how I would be getting my money. I also have all the corresponding emails I have sent to them
|
| 09/02/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
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I sent {$12000.00} USD on the XXXX of XXXX from my XXXX XXXX bank account through Wise to XXXX. This fund was supposed to be available in three day but never came through. I am still waiting on the funds till date. On XX/XX/XXXX, I requested for an MT103 from Wise to figure out where this funds where and also to send to my recipient bank. They took 7 days to respond to me and when they did and the MT103 was sent to my recipient bank. My recipient bank noticed that the intermediary number they used was not one they use and in that case would not work again. I have been calling Wise twice every day since the XXXX of XXXX to find a solution but nothing was done. I was only sent to customer service with a promise that the payments team would call me. On XX/XX/XXXX, I ask them to recall my funds and send it back to me. It took them till the XXXX of XXXX to respond back saying they have initiated the recall but can guarantee my fund. I am beyond appalled by this. On the MT103, I realized the funds was sent from Wise to their partner bank ( XXXX XXXX ), XXXX XXXX sent this to XXXX XXXX Bank based out of XXXX. Since my recipient bank never got this, I have told them the money is probably stuck with their intermediary bank. All efforts have proven abortive. This was an emergency fund and its been a month, without any proper guidance on how I would be getting my money. I also have all the corresponding emails I have sent to them
|
| 11/15/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
|
On XX/XX/XXXX XXXX EST I've issued a request to convert XXXX USD to XXXX XXXX XXXXnclusive of all fees via Wise. The rate expired due to a technical difficulty on the Wise side, they are holding my funds in their accounts refusing to respect our contract. I am calling for a deeper investigation not only to my case, but all other customers that may have been affected.
Wise provides a guaranteed rate for a certain amount of time. I have received a confirmation email from my bank XXXX XXXX that the money transfer has been processed on XX/XX/XXXX XXXX AM, XXXX within the timeframe for the guaranteed rate.
My membership number with Wise is : XXXX Additional factors : * XX/XX/XXXX was XXXX day, meaning no bank transfer could've been processed during this day. I have set up my transfer to Wise immediately after filing the request with them on XX/XX/XXXX. I also reached out proactively to Wise support on XX/XX/XXXX as soon as I heard it no transfers are being processed that day and was reassured by the agent. I also provided confirmation that I issued the transfer already.
* On XXXX XXXX Wise announced XXXX their website that they are having technical difficulties with their systems causing delays in transfers issued via bank transfers.
* On XX/XX/XXXX I called into the call center and Wise told me they are going to investigate but refused to release my money and respect their guaranteed rate without fault on my behalf.
|
| 08/02/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
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I opened an account on wise.com on XX/XX/2022 because I was closing my bank account because I wanted to get a local one where I moved. I put my funds ( {$300.00} ) inside of wise until I found another bank. When I decided on what bank I transferred {$250.00} to that account they pushed the transfer date twice and I wanted to look into investing so I made another account for me to start investing and I made 2 {$10.00} transfers to it to open and fund my stocks. On XX/XX/XXXX which was one of the times I was supposed to receive my funds in both my accounts they delayed it again to XX/XX/XXXX, when I woke up on XX/XX/XXXX I had an email about my transfer being delayed again so I went to log into wise. Well they deactivated my account without even telling me in a email that they even did and I have been email and contacting them constantly with no response. I put in an appeal like their online help stated to do so they can get my new bank info to send my money to that was in the account, so I gave them that info and submitted my appeal. We'll today XX/XX/2022 the email that I finally received wasn't even to help or try to get me my funds. They just stated that my bank debit failed and they took my money and now they want me to pay it off when the day they deactivated it, it still had my {$300.00} in the account. I have no received my {$300.00} in my new account I put on the appeal like I was told to do by their website.
|
| 10/26/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
On XXXX Transferwise ( wise.com ) took {$700.00} out of my bank account.
On XX/XX/21 Transferwise ( wise.com ) took {$700.00} out of my bank account.
I have only approved one of the 2 transactions.
Transferwise says that they only took {$700.00}, not {$1400.00} but my bank account clearly shows {$1400.00} has been deducted.
In the Transferwise app, it only shows {$700.00} was taken.
Transferwise says that they had investigated this and this was their response : " Our payment 's team has investigated this, and we can confirm that only one payment of {$700.00} was taken from your account.
It looks like two transactions from your history, but the first " deduction '' was our system communicating with your bank to check if your balance can cover the total amount of bank debit transfers over the past 4 business days. The only payment was pulled out on XXXX XXXX XXXX ( UTC ). '' So basically Transferwise is denying having taken {$700.00} on XX/XX/21 when it is clear from my bank that they took {$700.00} that day.
I am attaching my bank account 's transaction activity showing dates from XX/XX/21 to XX/XX/21. It clearly shows that 2 different {$700.00} amounts were deducted and not refunded ( each transaction also has a different ID # ).
I am also asking my bank to look into this as Fraud but have not yet received a response since I requested an investigation 12 days ago.
Thank you so much!
|
| 08/18/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Confusing or missing disclosures
|
|
Web |
|
|
Last summer I saw a XXXX ad for a company called Transferwise I am very Financially minded so I was interested in the services of the company , especially their Borderless Account , allowing you to transfer money Between various currencies instantly all within the app I had no particular use for the service at the time , but I wanted to play around with it, and since the company officially allowed for payments using visa or mastercard , and because my Chase credit card did not treat transferwise like a Cash Advance, which at the time I thought was neat, and could be useful in some way to make me some extra money ... I continued to use the service as intended for about three months, until I got an email from transferwise saying they were shutting my account down I asked them to refund me any and all transactions, but they quite openly and rudely refused , leaving me with about $4,500 in fees... I asked Chase to dispute and and revoke the transactions, but they were pretty much powerless, and or did not want to get involved ... and now Im stuck paying down $4500 in fees .... it would be nice if yall could force transferwise to return as much of my money as possible.... ThanksXXXX PS I would have submitted this earlier , but honestly was a little sceptical to submit this , until somebody mentioned to me , that in this Case I very much have grounds to submit this case
|
| 04/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Hi, on XX/XX/2022 my Wise bank account was blocked for no reason, I contact them to see what was happening, on XXXX XXXX XXXX they answered me that they decided to close my account, they didnt gave me any reason and they asked me for an account number and routing number from another account under my name to send me the funds that remain on my account at the time that was closed, XXXXXXXX XXXX ( XXXX $ approximately ). I immediately provided my banks details, they told me it would take about XXXX business days, I waited XXXX month and never received the funds, after that I contact them again and they changed me the information and told me it could take up to 60 days, even dough thats too much waiting time to wait for a reimbursement I waited the 60 days, but I still have not received my funds. I have contacted the bank customer support for an answer to this matter but now they dont want to give me more information, I have called them several times and wrote them a lot of emails and they only reply me automatic email saying my account was closed and there is nothing else to do and by phone they told me the same that my account is closed and they dont have more information about my funds. I am very concern about this issue I had a lot of problems lately because I need my funds to paid for my living and medical expenses and they dont care about that, I dont know what else to do, please help me.
|
| 04/22/2023 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
This is a complaint against Wise, formerly known as TransferWise.
I made a money transaction on WIse on XX/XX/ to purchase a designer handbag in the amount of USD XXXX ( {$8000.00} for the bag + XXXX Wise fees ). Transfer was completed on XX/XX/, the recipient received the money. On XX/XX/, I received the handbag. On XX/XX/, I received the authentication results that the bag is a knockoff, fake, counterfeit bag. I contacted the scammer ( aka the recipient of the money on Wise XXXX, there was no response ever since.
On XX/XX/, I filed a police report through U.S. Federal Trade Commission. I also reported the scam to Wise on their website.
On XXXX, I called my bank and reported the scam to them and they said they will investigate and do a reverse withdrawal if necessary.
XX/XX/, my bank initiated the reverse withdrawal.
XX/XX/, Wise responded to my scam report, straight denying that it was a scam, and they do not handle disputes among their customers. So no actions were taken by Wise in this scam. Also on XX/XX/, they demanded me to pay them back the money I got scam after my bank did the reverse withdrawal.
I told them the scammer ( aka the recipient of the money ) is liable to pay Wise back the money, not me, the victim. After a few other communications with Wise, they sent me a final formal notice on XXXX, that I am liable to pay them back the money I got scam.
|
| 04/19/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
On XXXX of XX/XX/2022, I made a swift transfer from my XXXX XXXX account on wise.com with a wrong amount : XXXX USD ( instead of XXXX USD ).
The transaction has passed and recipient has received the money on XXXX XXXX.
I've asked the recipient for return. Recipient said he couldn't confirm my identity because the transfer is international and can only execute the return if it comes through intermediate bank. So, recipient needs to receive a " Request for Cancellation '' from wise.com 's bank.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX I contacted wise.com on XXXX XXXX and tried to negotiate " Request for Cancellantion ''. Wise denied me the request to quoting its Customer Service Agreement : XXXX You must ensure the information you provide to us is correct. You must make sure that the information you provide when setting up a payment order is accurate. If we have processed your order in accordance with the information you have provided to us it will be considered correctly completed even if you have made a mistake.
I don't see it as a reason to deny " Request for Cancellation '' because it is a common practice for swift payments.
Is there any law that enforces wise.com to send the request?
Bank Name : XXXX XXXX and Trust Wise Address in the US : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX United States Wise 's Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX United States
|
| 10/24/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
I was contacted by a person representing themselves as XXXX XXXX, a XXXX national living in XXXX, XXXX. He sounded legitimate, so I agreed to what seemed like a too good to be true offer at the risk of {$49.00} to begin with. He had me attempt the transfer through a company called Wise, which has acted in extremely bad faith, threatened and coerced me, to make payments to them through unusual and uncustomary means requiring me to share excessive personal information such as copies of my passport with them, to the point of refusing my payment to clear the matter up rather than accept any usual and customary form of payment such as personal check, credit or debit card, XXXX or XXXX.
On XX/XX/2023 XXXX XXXX used his access to my ads account on XXXX to create an unauthorized XXXX account, which apparently was bad enough that it immediately violated XXXX XXXX community policies and caused my XXXX, and all XXXX accounts ( XXXX ) to be disabled.
In retrospect, it appears that Wise may be involved in some kind of money laundering scheme with this person representing themselves as XXXX XXXX. I suspect I was being set up for a much larger transfer and identity theft due to the proposed deal with XXXX XXXX. Furthermore, with his, confirmed by bank transfer, connection to XXXX, I have become somewhat concerned that this money laundering may have some connection to XXXX XXXX
|
| 06/02/2023 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
Hello CFPB, XXXX XX/XX/2023, my Wise account was unexpectedly closed by the company. At the time of the closure, there was a significant amount of money in my account, totaling nearly {$2000.00} dollars. Following the account closure, Wise requested my bank details to process a refund to another account.
In compliance with their request, I promptly provided them with the necessary bank information to facilitate the refund. However, despite 20 days since then, I have received no indication or confirmation that the refund has been processed. To add to my frustration, Wise has consistently informed me that they can not proceed with the refund.
I have contacted Wise multiple times via various channels, including customer support, to seek clarification and resolution. Unfortunately, their response has been consistently disappointing and unhelpful. They have failed to provide a valid reason for the account closure and subsequent refusal to refund the funds.
I sincerely hope that by bringing this matter to your attention, the necessary steps can be taken to rectify the situation. I believe it is essential for the company to honor its responsibility and provide a fair and prompt resolution, including the refund of the funds rightfully belonging to me.
Thank you for your attention to this matter, and I appreciate any assistance you can provide in resolving this issue.
|
| 07/19/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
The company TransferWise advertises their " brilliant '' service TransferWise for Business for all businesses to open quickly and use it efficiently. It did sound great to have a Borderless Account for our non-profit organization so we can lower international bank fees of our charitable causes. However, in reality this was very different, complicated and eventually not even allowed.
I first had to open a personal account, uploading personal documents. Then connect a business account to it, giving details about our charitable organization and its bank account details. Each step of confirmation took several days. Then, in an e-mail they asked 4 questions about our non-profit without explaining why they need to know those questions or what their policy is about. After several days of answering those questions they just said that we can not open this account ( without any explanation ) and blocked both the business and my personal accounts for good but keeping all the sensitive data we have provided in the process.
They show a false advertisement, as apparently they only open business accounts for their selected clients. Their whole procedure just felt very dodgy and unprofessional to me. Not allowing a charitable organization to open a business account just sounds very untrusty or they just want to deal with big and rich for-profit organizations as businesses.
|
| 12/12/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
After my first complaint ID XXXX they company said that they are going to send refund of my funds, but until now XX/XX/ I still not received my money, and they company didn't answer my email anymore, I need to open another complaint and ask to provide more additional information, when I will get my funds!
As on the last response in XX/XX/ They say that Wise is available to provide additional information upon request.
And this is the last response from the last complaint ID XXXX We have received the customers complaint and appreciate the opportunity to review and respond to their concerns. Upon review, we confirmed that the customers account was deactivated in line with the Wise Customer Agreement, which all customers must consent to upon account signup. As such, we are unable to consider reactivation of their account and we are unable to provide an explanation for the deactivation. At the time of closure, we confirmed that there was money remaining in the customers account. Please note that Wise is currently performing required due diligence checks that must be completed before we can provide an update regarding the possibility of a refund of these funds. As soon as the process is complete, we will confirm the outcome of these checks and, where applicable, return the outstanding funds. Wise is available to provide additional information upon request.
|
| 02/17/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
|
On XX/XX/2022 I sent a wire transfer to XXXX XXXX, with XXXX XXXX XXXX, in the amount of {$1500.00} for wholesale hair extensions for my company. Upon receiving the hair extensions at my retail location we discovered that the extensions were infested with XXXX XXXX. I sent pictures to the supplier and requested a return and exchange or refund, which both were denied. I continued to plead with the supplier for months to accept a return or exchange, with no luck. Finally in XX/XX/2022 I disputed the charge with XXXX XXXX XXXX. After less than 24 hours XXXX XXXX denied the dispute with the response : we looked into this, and our research show the payment was processed according to your payment instructions. I never argued that I did not authorize the payment. I argued that I received good that were not usable. This is evidence that they, in fact, did not research my claims, or even reach out to the merchant.
After to luck with the supplier, or XXXX XXXX, I reached out to Wise, INC on XX/XX/2022. Wise is the service that I used to transfer the funds to the supplier. Wise advised me to file a police report and take up the matters with my local police department.
I am at a loss here and I am unsure how to retrieve my funds or actual retainable good. I operate a small business that can to afford to take a loss.
I will attach photos of all communications.
|
| 10/08/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I am a military member of the XXXX XXXX in XXXX XXXX XXXX abroad.
To receive my salary, I have a bank account at the XXXX XXXXXXXX XXXX in XXXX, USA.
The transactions are made between this account in the US and an account, also in my name, in XXXX.
On XX/XX/2020, I created a transfer from the US to XXXX, worth USD XXXX, which discounted the fees, would be at the date XOF XXXX via TransferWise.
The confirmation of such transfer is attached, which includes the transfer code, my identification code, the partner bank, the destination bank, the values and the date.
The planned date of completion of the operation was XXXX XX/XX/2020.
The allegation is an international policy against dirty money of illicit origin.
After the problem, TransferWise offers imprecise advice, slow, eluding end avoiding responsibilities.
On XX/XX/2020, TransferWise sent a message announcing the interruption of XOF transactions, also attached.
I have not been prompted to submit documentation that attests or supports the suitability and lawfulness of the money involved. This is my monthly salary.
TransferWise does not direct me and does not offer me subsidies for a lawsuit, such as - documents questioning the reason for the refusal of the money, - date of refusal of the money and name of the partner who refused, - tracking of money, - names of partners, etc.
|
| 05/03/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I have witnessed the worst experience of my life facing a serious of problems with Transferwise.com. It has not only cost me financial loss but also my reputation. I have been a customer for almost a month. My documents were not verified for 3 weeks despite countless calls and several emails. The worst thing, i couldn't even withdraw my money into my own account. Neither i can send personal transactions of large amounts just because i accidentally applied my business account during signup. There were days when i had to call even thrice. I couldn't make a purchase from my own money and i seem to stuck my funds with transferwise. They have the worst customer service one can ever imagine with csr telling you they can't do anything. It is what it is so don't bother dialing their support phone. Their verification department seems to be in hibernation or somewhere in XXXX where you have to wait for days for your turn. You get 1 email and then another number of days. Finally they disabled my account which i am sooo thankful for because i was just so frustrated of all the wait. After all this : I am still waiting for my funds to clear out. I have sent them 2 emails and 3 calls in last 24 hours. 1 agent seems to say one thing and other agent seems to say another. Also now they are dropping my calls without any explanation.
Account number : XXXX
|
| 04/03/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
On XX/XX/2022 I was being blackmailed over the internet by a person named XXXX from the XXXX threatening to send indecent photos of myself after posing as someone else from a dating serviced called XXXX XXXX XXXX I was forced to send {$1400.00} over the course of 3 transfers over a service company called TransferWise LTD ( or Wise in short ). In the height of this incident I drove down to my local police department to open case as I was being blackmailed. I reached out to my bank afterwards to put a stop on these transfers because they were incriminating and were able to not transfer the dollars via Wise. Wise the company have since been threatening me about these transfers saying they'll send me to collections. In light of this I not only have a full address of this person but also evidence of he/she saying this is blackmail specifically. I am shock after communicating my circumstances I was still told to pay. At the same time I'm being collateral damage/scapegoated after a traumatic event I personally had to experience on my own. Attached are documents for proof, the police case by XXXX Police Department ( XXXX XXXX ) and a complaint sent to the state of NJ Department of Banking and Insurance. Please see the address below to this individual from the XXXX. Thank you!
XXXX Address : Project XXXX, XXXX XXXX : XXXX XXXX XXXX, XXXX
|
| 03/07/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
Our business uses Wise to pay our overseas vendors. I had found their service to be generally effective and reliable. After conducting an internal audit, I discovered that a refund from Wise back in XX/XX/ of {$1800.00} had not been deposited into our bank account.
I contacted Wise regarding this issue, and they informed me that the transfer had been completed. I then asked for the trace ID for the transaction so that the transaction could be verified through the banking system. They again informed me that the transaction was completed and that they could not supply me with the trace ID for the transaction.
I informed Wise that the receiving bank may have not received these funds and that I will need the trace ID number for this transaction in order for the receiving bank to fully investigate why these funds were not transferred to the receiving account. Wise again told me that they could not supply me with the trace ID for the transaction.
Wise then asked for a statement from the receiving bank showing that the funds had not been deposited. I supplied this to them.
After a week and no response from Wise I contacted them again. I received no explanation why the transferred funds were not deposited in my account. I received no trace ID from Wise for this transfer. I received no refund from Wise for the missing {$1800.00}.
|
| 05/10/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
Dear Consumer Financial Bureau, I am writing to file a strong complaint regarding the recent closure of my account with Wise. I reported to Wise about a scam that had happened to me a few days ago, but instead of taking appropriate action to resolve the issue, they closed my account without providing any reason.
As a customer, I believe it is my right to be informed about the reason behind the closure of my account. I have not engaged in any fraudulent activity or violated any of the terms and conditions of my account, and I am deeply concerned about the sudden and unexplained closure.
I am extremely disappointed with the lack of communication and support from Wise during this incident. As a financial institution, they have a responsibility to protect their customers and help them resolve any issues that may arise. Instead, they have chosen to close my account without any warning or explanation, which has caused me significant inconvenience and frustration.
I urge you to take immediate action and demand that Wise reopens my account as soon as possible. I expect a timely and satisfactory resolution to this matter, and I hope that Wise will take steps to ensure that this kind of situation does not occur in the future.
Thank you for your attention to this matter, and I look forward to hearing back from you soon.
|
| 08/13/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
We can not operate like that.
How is it possible that {$30000.00} simply disappear after being transferred, with absolutely no follow-up from XXXX XXXX ( former TransferWise ).
The status for the transfer in XXXX XXXXXXXX website says : ransfer successfully sent Keep in mind It can take up to 2 working days for your bank to credit the account.
It has been over 4 days, and nobody has reached out to me ( in case they need any verification ).
How is it possible that {$30000.00} just disappeared like that.
Do I really have to chase my own money because the involved banks and partners are not doing their job?
I understand if there are additional checks and I will provide anything that is necessary. What I don't understand and don't agree is that nobody reaches out to me. They just keep my money somewhere ( possibly earning interest to them? ) waiting for me to take an action that I don't know what would be.
I don't have anybody other than XXXX to contact. However, XXXX website shows it as fully completed.
It is a service that is completed, but not just not delivered, but I'm not even aware where my {$30000.00} went to.
This is just absurd, and poor job from regulators ( unfortunately I'm not surprised - it's money first, service second ).
I would like to request an audit of all services provided by XXXX.
|
| 09/21/2023 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
Older American |
|
Using WISE, on XX/XX/XXXX, I transferred {$9000.00} to a bank affiliated with a non-profit religious organization called XXXX in XXXX XXXX ( Transaction # XXXX ). On the same day, they asked several additional information, which I provided the same day. They took the money out of my account and said everything has been verified.
I have contacted them several times by email and by phone because the transfer ( which usually takes a few days ) has been taken much longer. Specifically, I have copies of email correspondence with WISE support on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They keep saying sorry, it's taken longer than normal and need a bit more time. It has been nearly two months, and I asked them to refund my money back into my account if they can not complete the transfer by certain dates. The latest response from them was they deferred the case to another team but no reply yet.
Today is XX/XX/XXXX. The money is a community money ( donations ). The donors as well as the recipients are not happy with me. My credibility is diminished. I think it is not right that the transfer is taking nearly two months, I have a right to a reasonable and satisfactory explanation for an extra-ordinary delay, and I have to right to cancel it and get a refund ( possibly with interest ).
|
| 10/26/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
This is related to a virtual currency service over the internet by a company called XXXX.
I made a transaction through them using my credit card. Instead of taking the money out as any other credit transaction ( as done by similar other service like XXXX ), they took the money from the credit card as a cash advance. They did not provide me with any information that they will do so. As a cash advance, it triggered interest on all of my credit card transactions from that day ( i.e., before I could spot the problem and paid of all balance ). It also imposed cash advance fee and transaction fee by the credit card. The original transaction was {$260.00}. I paid more than {$50.00} on fees already. It seems this can be a scam by XXXX perhaps in cahoots with credit card cos. on unsuspecting customers. I have never kept any balance on my credit card because I am aware of the punitive interest rates. But in this way, the credit card company can impose interest from day 1 before I am even aware that a third party took out cash adavnce instead of a credit transaction. While I am still dealing with this problem with the credit card XXXX and XXXX and, hopefully, get it resolved, I think for many other regular customers will end up falling for this unfair practice ( or, perhaps, a scam ). That is why I am reporting this.
|
| 09/15/2017 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I have a TransferWise Borderless account to which I attempted to make 2 deposits in XXXX XXXX XXXX XXXX XXXX via bank transfer. The deposits are as follows : # XXXX for XXXX XXXX # XXXX for XXXX XXXX Upon receipt of the money, TransferWise flagged the deposits as problematic. When I contacted their support team, they falsely claimed it was because those were " cash deposits '' which they do not accept.
The attached bank receipts clearly demonstrate they are bank transfers, from a valid bank account at XXXX XXXX in XXXX and in my name, which they have already used to both make transfers from and deposit into. Despite me providing them with those receipts, as requested ( via email and their online document upload tool ), they refuse to hear my plea for a speedy resolution and credit my Borderless account. They still have the money, and the only resolution offered is for me to provide them with a " family or friend 's XXXX bank account '' to which they would refund the deposits. Alternatively, just today, they offered me to refund them to the very XXXX XXXX account with which they claim they are unable to work " due to government regulations '', as they are a third party.
These are clearly unfair business practices, and TransferWise 's refusal to credit my Borderless account is arbitrary and groundless.
|
| 09/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
XXXX XX/XX/2021 Funded account with XXXX XXXX XXXX XXXX XX/XX/2021 Requested ACH disbursements totalling {$2100.00} XXXX XX/XX/2021 Contacted Wise customer service due to held transaction - submitted requested information XXXX XX/XX/2021 Submitted formation and identification information on website.
XXXX XX/XX/2021 XXXX XXXX customer service to followup. They said it could take XXXX days for compliance to respond, that I didn't need to do anything.
XXXX XX/XX/2021 Placed wire request for XXXX XXXX XX/XX/2021 XXXX XXXX Customer service. Was told to just wait. I said " thank you, may I know how long I should wait until checking again? '' The response was " I already told you, you need to wait '' and they ended the session.
XXXX XX/XX/2021 Found email in spam from " XXXX '' requesting a statement on source of funds.
XXXX XX/XX/2021 Customer Service assured me that funds will be released in the morning.
Later XXXX requests detailed business plans and other private information. Later that was amended to an Official Notice from the sender of funds.
We are a very small company. We don't know when the requests will stop, we can not pay our suppliers. This grant was a lifeline to help us stabilize our business after a very hard 18 months. TransferWise will likely cause our company to fold.
|
| 01/07/2022 |
No |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Facts : On XXXX XX/XX/XXXX I have opened a personal account in Transferwise On XXXX XX/XX/XXXX I have opened a business account in Transferwise On XXXX XX/XX/XXXX both accounts were deactivated. It was impossible to obtain any explanation from Transferwise On XXXX XX/XX/XXXX I completed an online appeal form and sent an email to XXXX My personal account login ID is XXXX and it has a balance of USD XXXX at least. My business account login ID is XXXX and It has a balance of EUR XXXX at least. In both cases I had to estimate the amount of the balance because I can not access to any statement.
Problem : I am still waiting for any explanation about what happened, waiting for the refund of my balance, waiting for any documentation/information request but there is no feedback at all.
Transferwise provides an appeal process but it is not possible to present a reasonable appeal to a decision without knowing why it was taken and without having access to the account information.
The service was good so far and I do not like to complain but a month has passed. I do not even understand why my account was closed in the first place. I was hopping that to be some kind of error in an automatic process but nobody is providing me with any feedback and my funds seem to have disappeared.
|
| 11/04/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
I have used TransferWise, or now Wise to transfer money from the XXXX to XXXX, with most transfers to my XXXX bank account from my XXXXXXXX XXXX account, personal accounts A few months ago, after XXXX years of these transfers, I found that they had lost the original ID documentation and wanted to to through the process again. It required passport, drivers license, photographs and other methods. As their own regulations state that my account, bank to bank, does not require ID since both banks have in-person ID verification I contacted them, stating their own regulations.
XXXX XXXX XXXXXXXX They refuse to budge. As I'm in the computer security business I have serious concerns about their alleged security, so do not want to do it. I already had a phisher try to get into my PC as they had apparently intercepted communications and knew all about the problem. Naturally Wise claims that they are perfect.
I have even offered a local notary documenting my ID or a conference call with my bank manager with me in person in the bank, but they refuse to accomdate.
My experience with the software that they use is that it doesn't actually work propertly so I don't want to spend weeks going back and forth, since I've used them for years without incident.
Can you intercede please?
|
| 03/28/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Wrong amount charged or received
|
|
Web |
|
|
On XXXX XXXX I had {$100.00} in my Wise account. I topped up {$35.00} from my XXXX XXXX account to make the total {$130.00} and sent it XXXX. The amount after Wise 's fees was XXXX The recipient recived XXXX on XX/XX/XXXX. A difference of {$35.00} dollars, the exact amount I topped up was excluded from the transfer. I contacted Wise and they said it was probably swift fees taken out. I investigated further and spoke with the recipient 's bank. I also received a signed and verified document from her bank showing their fees and the intermediary bank fees ( XXXX ) totaled {$8.00} and was removed from the XXXX. No banks took {$35.00}, the amount missing. It was an error on Wise 's behalf. When I logged back into my Wise account I saw that they paused that {$35.00} transaction, but they had taken it out of my bank account and continue to claim they sent it despite me having evidence they did not. I have spoken with multiple customer service agents and sent screenshots and verified documents from my bank, their site, and the recipients bank/fees. They refuse to help me and keep saying some mystery bank probably took the {$35.00}. They will not admit their mistake or provide any evidence even though I have full evidence they never sent the {$35.00} I topped up my account.
|
| 06/28/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
XX/XX/2022 financial company " Wise '', registration ( XXXX XXXX " XXXX '' - XXXX number XXXX ). Closed my account. My Wise account is XXXX.
At the time of closing the account, there was an amount of {$650.00} on the account, as of XX/XX/2022. Wise did not refund my money, and did not provide my account statements, as of closing date XX/XX/2022.
Transactions for which Wise did not provide statements ( these are internal transfers ( receipt to the account ) made in Wise ) : Sell XXXX USD XXXX Wise ( TransferWise ) XXXX XXXX XXXX Successful Sell {$21.00} XXXX Wise ( TransferWise ) XXXX XXXX XXXX Successful Sell XXXX XXXX Wise ( TransferWise ) XXXX XXXX XXXX Successful Sell XXXX USD XXXX Wise ( TransferWise ) XXXX XXXX XXXX Successful Sell XXXX XXXX Wise ( TransferWise ) XXXX XXXX XXXX Successful There is also a video from the screen, my account on the day the account was closed. Statements for these transactions, for which these transfers were made to me, through the Wise financial company and statements from the Wise company itself until the account was closed.
At the time of closing the account, there was an amount of {$650.00} on the account, as of XX/XX/2022. Wise did not refund my money, and did not provide my account statements, as of closing date XX/XX/2022.
|
| 05/01/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I requested a money transfer on XX/XX/XXXX and received a Transfer Confirmation Receipt pdf which showed both the Funded and Paid Out dates asXX/XX/2019. However, the recipient is yet to receive the transfer. I called TransferWise customer assistance on XX/XX/XXXX and was advised to tell recipient to go to his bank with the receipt for collection. On XX/XX/XXXX, the recipients bank informed him that the money had not made it over to the bank, and that he needed a different form to be able to collect the transfer. The bank also informed the recipient that he would have to collect the money in XXXX, even though his bank is in XXXX where he lives. I called TransferWise back on XX/XX/XXXX to request a cancelation of the transfer. However I was told that it could not be canceled, and they are unable to determine when the transfer would be completed at this point. I was asked by the representative to wait and they would contact me via phone and/or email whenever they are able to determine that the transfer is truly complete and ready for collection. It has been 8 days since I made the original request. The time it takes for transfer was falsely represented by TransferWise and now I have no way to know how much longer it might take. I find this rather unacceptable.
|
| 08/19/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
On XX/XX/XXXX I requested TransferWise Ltd a wire transfer of USD XXXX from my Wise USD account to my bank account. After being on hold for nearly 10 business days, it was cancelled on XX/XX/XXXX without further explanation.
I contacted TransferWise Support during the following days by phone and chat and they could not indicate the reason for the cancellation.
On XX/XX/XXXX I exchanged XXXX USD from my TransferWise balance into XXXX GBP for which TransferWise charged me the related fees. Assuming there were no issues with my account, I requested two new wire transfers : Date : XX/XX/2021 Amount : GBP XXXX Date : XX/XX/2021 Amount : USD XXXX Again, both transactions were blocked by TransferWise without any explanation. TransferWise support told me to wait up to 10 business days to see if the money was released and on XX/XX/XXXX my account was suspended which prevents me to recover the remaining balance in my account.
Due to the suspension of the account, I can not log into the app anymore or make any kind of complaint through phone or chat.
Currently, my Wise account has a remaining balance of : USD XXXX GBP XXXX which I need to recover. I wrote to the Wise Appeals at XXXX requesting a refund and providing my bank details but I can not get an answer.
|
| 07/06/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
I had a phone call from someone claiming to be a technician from XXXX internet provider, they said that my IP address and other personal information had been hacked and stolen and they said they would help me to clean up the infected internet equipment including my pc they also claimed that my personal banking details may have been compromised and hacked. they connected to my computer vis any desk and after I securely logged in to my bank account, they kept distracting me so that the could steal and transfer my money from my bank into my wise.com account.
my PC screen kept going blank so I was not able to see or know what actions they were doing on my pc, they stole more than 3000 from 2 of my bank account. then transferred the money into a bank account in XXXX.
I still have the name of the account holder and their account details, in order to recover the money and to get their account frozen and to investigate them.
Wise.com failed to take the necessary precautions in order to protect my money by allowing XXXX transfers to be sent and received all on the same day. they finally rejected XXXX transactions of XXXX but by this time it was already to late. XXXX have behaved are guilty of negligence and treating my account and money in an irresponsible way.
|
| 06/30/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
Good afternoon, I opened a Wise account so that I could use my money safely during my trip to the XXXX, where I am at this moment.
I lost my Wise debit card yesterday around XXXX. After looking for it, I decided to report the lost of the card on wise.com.
Everthing was fine with my balance up until I loggind into my Wise account to report the lost of my debit card.
As soon as I logged in and start reporting the loss of my card I noticed that my account balance was below what it should have been. In less than 2 minutes, my balance dropped even more like someone was stolen my money. I found that to be very strange so opened my email to see if I had received any notifications related to fraudulent transactions, which showed me several notifications of new transactions which was happening on that exactly moment outside the XXXX. Including transactions in the XXXX, XXXX and XXXX.
My account was definitely hacked and my money got unfortunatly stolen.
I did report what happend to the Wise costumer service but they did not give me any reassurance that I would get my money back.
What is so frustrated was the fact that their system could notice multiples transactions coming from multiples parts os the world but it did not blocked my account for safety purpose.
|
| 09/02/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
This is in response to complaint number XXXX and in responding to XXXX XXXX XXXX The notion that I gave Wise an incorrect swift is wrong. The swift I provided to Wise is the correct and valid swift for the recipient account. The intermediary and partner bank that was used on this transaction are totally from wise and I had nothing to do with it. To clarify, on the MT103 given to me, Wise sent the money to XXXX XXXX and XXXX XXXX sent the funds to a XXXX XXXX in XXXX. This information is based on there MT 103. Wise can not claim I used a wrong swift. What I have told them is that on giving the MT103 to my recipient bank. They told me the Intermediary bank used by by wise isnt a bank they use at all ( XXXX ) so there is no way the money would come to them. This I explained to wise before I made a recall. The recall is more than 15 stipulated day they have committed to and yet I am still waiting to receive this funds. I am personally not interested in what Wise has to offer. I maintain that the money never got to my recipient bank and I even did a screen shot of the bank account of the recipient and sent it to them to see, which again was never addressed in their response to me .All I have requested is to get back my funds to save me all this headache
|
| 09/29/2023 |
No |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I created a personal Wise ( formerly Transfer Wise ) account ( date unknown - early 2023 ) and the account was deactivated without any reason or notice during XX/XX/2023. On the XXXX of XXXX, 2023, I appealed the decision. The only response I received was an automated response that stated that the Wise team will reach out in XXXX working days. To this date I haven't receive any updates. I asked for an update on the XXXX of XXXX, 2023, no response from Wise. During this time, I registered an XXXX in XXXX and proceeded to open a Wise Business Account under my business email. This account was deactivated ( with funds in the account ) sometime this month, I only realised it when I tried to login on the XXXX of XXXX, 2023. Since it's been about 130 days since my first appeal and still no answer, I decided to contact customer support directly. The initial response was quick, stating that customer support can not provide any info and the only thing that I can do is to appeal. I responded and requested contact information for the manager and/or someone in the appeals department, since the appeals team doesn't respond within the stated 20 working days. I received no response and have asked for and update two times after that, still no response.
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| 08/14/2023 |
No |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
My wise account has been deactivated by wise which has now put me in a situation where I am unable to withdraw the funds from my account I have filed an appeal in which I was given the estimated time frame of XXXX Working Days or longer for the review to be completed.
A team member of wise in an official letter to me told me that it may take 5-20 days but it's more than the days she gave me already.
I have asked Wise to refund the balance left on my account as it was needed to pay my Landlord for rent and because the funds have not been returned me I have been rendered homeless.
To consider this matter solved, I would like Wise to uphold my complaint and Process my refund immediately, and give a formal apology for the distress caused due to this situation.
I am not requesting wise to reactivate my account so there is no need for taking long to review. I am only asking Wise to give me back the money that was on my account prior to account deactivation.
In Wise website it says, " if you still have money in your Wise Balances when we close your account, well work on sending it back to your bank account ''.
I need wise to uphold this complaint and send what belongs to me to my bank account now.
My email on wise is XXXX XXXX
|
| 10/19/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
|
Hi I Have a Major Emberassing and Frustrating situation with Wise.
I Have been submitting a XXXX $ wire transfer that didn't go through and was stuck with XXXX XXXX on wise side if the transaction, and after so much time been transferred from XXXX XXXX to wise, for this I got an approval from both XXXX XXXX and Wise.
I got an email from the company more then 3 weeks ago to either setup another transaction request or that my money will be refound to me.
I have records showing a comunication with the Wise support center to refound me the money back. they conformed more the 3 weeks ago that I should recive my money in 5 buissnes days.
Since then I am back and forth with them, with there respond that the issue now again is with the partner bank. That is passing the terms of my refound that should not take more then 10 days and the guarantee that I have been promise to receive my money back.
This delay cause me so much on my personal life and my relationship beacuse that is my savings money.
I was trying to speak with a supervisor that can speed this up and help me get my money back.
I am a client that planning to use those kind of services in the future as well and this is unfortunate that we got to this situation.
XXXX
|
| 07/09/2021 |
No |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Problem with customer service
|
|
Web |
|
|
Since XX/XX/XXXX I have problems to access my account, so I asked for support on the XXXX, to which they replied that I should make an appeal, so I made an appellation because I wanted to understand why they have blocked my account, as I had only introduced money to be able to use it, to take advantage of to have my savings in a multi-currency account and to be able to make payments when necessary. On the XXXX they answered me they need it more information, but the documents they asked me for were the same I had already sent in the appellation, so I send them again ( picture of me and my ID, picture of my ID with a code number they gave me and the explanation of the appeal ). After they sent me an email that says they have decided to close my account, that they can't give me my money back, and they cant tell me the reason why they have taken the decision.
After this I have tried to contact the in different ways, call center, social media, emails and the answered is always the same, they cant give me explanation or reasons of what happened with my account or my money. I have XXXX eur in the account and nobody is given me and answer of where is my money, why do they block the account or been responsible to give me the money back.
|
| 04/28/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XX/XX/23 Name XXXX XXXX XXXX Home address XXXX XXXX XXXX XXXX, OH XXXX To whom it may concern, I had a wise account with the email address : XXXX They deactivated my account unfairly and they closed any way for me to have access to my wise account, and the money that I had in that account was removed and sent back. Moreover. I need you to assist me in retrieving access to my account.
If It is found that I made any mistake, I sincerely apologize and I promise to ensure that no problem will occur again regarding my account. I have carefully read all the terms and conditions and I promise to abide by those terms.
If we are unable to regain access to that account, then I would like to register a new account and I will need assistance to be able to do so. The reason being is Ive already tried to register a new account and it wasnt allowing me to do so.
The best way to reach me is through my phone number ; XXXX.
I am more than willing to follow any steps that will enable me to either regain access to my old account or at least be able to register a new account. Once again I sincerely apologize for any mistake I may have done, and I agree to abide by the terms and conditions, by being an astute member of wise services.
|
| 06/15/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
XX/XX/XXXX- I set up the money transfer to my family friend in XXXX XX/XX/XXXX - Wise received my money and started running some checks XX/XX/XXXX - I wrote an email to Wise customer support trying to confirm the cancellation of the transfer because it was taking a longer time than promised ( see attachment ) XX/XX/XXXX - I received an email from Wise worker XXXX XXXX saying " ... We're writing to let you know we got your cancellation request for transfer XXXX ... Right now were experiencing a high volume of transfers, so we may take a little longer than usual to review yours our estimate for most transfers is 1-4 business days, with some as an exception taking 5-10 business days ... '' XX/XX/XXXX - The status of the transfer did not change XX/XX/XXXX - I wrote an email to the Wise customer support and didn't get any reply XX/XX/XXXX - I started chat with Wise customer support again XXXX Answer to my complain was the same as before " ... I checked your account and see that the transfer was paused due to regular checks. I'll inform our team about the cancellation, once we've an update from them, we'll get back to you via email... It usually takes 1-2 working days for our team to look into this and get back to you. ''
|
| 02/27/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Problem with customer service
|
|
Web |
|
|
I have sent numerous emails and phone calls on the following dates.
XXXX, XXXX I have been calling and contacting them because I set up my account to pay for an international symposium and school visitation.
I used the company I was informed to use WISE. They let me set up an account, I then transferred the money and they withdrew it from my bank account on XXXX. Then I was notified that they deactivated my account.No reason and no excuses why because no one can offer that answer. I have been emailing, calling and trying to get my money back since then. I have been unsuccessful in trying to collect back {$3200.00}.
It is stated on their website that it can take 5 days. However, after speaking with them they informed me that they would return the money to my account within 10 days. Then it switched to 20 days. Then I am being told it can take sometimes longer. It has been 14 business days and 20 calendar days since they have withdrawn my money from my account.
I have been trying to find out the status and they simply state that they have no answers because customer service can only see that it is closed and i have to send and email and wait.
No one can give answers as to when I can receive my money back.
|
| 08/23/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
I am a US citizen who is currently based in XXXX. On Friday XX/XX/XXXX two unauthorized transactions were made via my debit card number through TransferWise linked to my XXXX XXXX checking account. The illegally withdrawn funds appear to be sent to an American based account.
I noticed the fraudulent charges on Saturday, XX/XX/XXXX. The transactions were for {$990.00} and {$1000.00}, totaling {$2000.00}.
I immediately called XXXX XXXX XXXX Saturday XX/XX/XXXX ) to place a freeze on my card and to open a fraud claim. Because the bank 's fraud department does not operate over the weekend, I have to wait a few days before I hear back from the fraud investigation. The XXXX XXXX XXXX supplied me with a fraud claim number and asked me to wait for further contact.
I then tried to reach out via phone and TransferWise 's online message center to report fraud but received no response. On TransferWise 's website I read that all of their transfers are final and can not be reversed or stopped once started, and that I have to file a complaint though this website ( https : //complaint.consumerfinance.gov ).
I then placed a freeze on my credit, placed a fraud alert, and reported the action to IdentityTheft.gov
|
| 03/20/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Confusing or misleading advertising or marketing
|
|
Web |
Servicemember |
|
Ok theXX/XX/XXXX Transferwise which exchanges currency and funds. Advertised a new borderless account that you can use to transfer money and pay bills with in different currencies. I exchanged Pounds sterling into dollars {$600.00}.
I was told several times by Transferwise staff that payments can be debited and bills paid.
When I made the payment on the XX/XX/XXXX. The money {$600.00} was returned because Transferwise changed there mind and decided not debit any account even though I was told I would. Because I was using that money to pay my credit card those funds were past due and my account is in delinquent significantly decreasing my credit score. My credit card company charged me {$110.00} cents in late fees and interest charges. I was told via phone on Saturday XX/XX/XXXX by a member of Transferwise called XXXXXXXX XXXXv that any late charges of fees will be reimbursed by Transferwise for any inconvenience caused. Also I filled a complaint and no one returned my calls. I called 5-6 times and yet my complaint was ignored and Transferwise refused to honor the pay even though they said they would. Transferwise has misled me through false advertising and refuses to be accountable for there mistakes
|
| 01/06/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
This is a complaint against Wise XXXX Inc .
Filed by : XXXX XXXX XXXX XXXX XXXX. XXXX, VA XXXX T : XXXX XXXX XXXX I have used Wise XXXX Inc. to wire XXXX EUR ( XXXX USD ) to XXXX XXXX XXXX
Somehow there was a suspicious fraud and the money were not received by the beneficiary ( XXXX XXXX XXXX ).
I have contacted Wise to put a trace and refund the amount but they did not.
When I attempt to file a police report in the beneficiary country. The local authorities requested me to produce the following : - A document from the beneficiary bank that proofs the fund was received by XXXX XXXX XXXX, the document should include the beneficiary company name, owner of the account, account address and XXXX.
Wise XXXX INC refused to provide me with such proof and asked me to contact the beneficiary bank directly. The beneficiary bank " XXXX XXXX XXXX '' .refused to provide me with any information since the wire was initiated by Wise . All communications have to be through Wise.
It's highly unlikely that a hacker is able to open a bank account in one of of XXXX biggest financial institutions ( XXXX XXXX XXXX ) in the name of a company XXXX XXXX XXXX ) without providing a registration documents and ID.
|
| 02/25/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
A company called Transferwise we're meant to send my funds to my XXXX bank account. They promised this would take 48 hours. The money is coming from my personal US account to my personal XXXX account which I use for a vacation property. They now have taken over 3 weeks and their customer service is giving me the runaround. They're blaming a 3rd party bank. My relationship is with Transferwise, not a 3rd party - they need to refund me but are making all types of excuses. Their customer service is non-responsive and only answer when you complain when they do answer they say " we have no update ''. My contract is with Transferwise, not the 3rd party they promised me funds in 48 hours.
My health and business are suffering and my staff had to be paid late. It is over $ XXXX USD.
I am not the only person who has issues with this company, I have met 100 's of customers over the past few weeks who have had similar experiences, some peop [ le have waited over 6 months for a refund. I have reason to believe this company is committing fraud and using our funds as operating expenses, they recently started to file an IPO. Please help before any more innocent people lose their money from this company.
|
| 07/21/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Problem with customer service
|
|
Web |
|
|
Hi there, I made a transfer via ACH wire at XXXX XXXX XXXX to repay a debt amount back to a XXXX XXXX another Wise user into their USD account.
I did transfer the money from my account which is XXXX XXXX XXXX, the account is linked with my XXXX wise account ending in XXXX.
They rejected this payment as it did not match the name XXXX, in which I stated that XXXX is the head company and no bank accounts are associated with this at the present.
I explained this and sent all documentation explaining this with my ID, bank statements, and closing docs for the property sale pertaining to the loaned funds being retuned.
After some back and forth they finally accepted this and issued a refund.
I have been waiting for my refunds of {$24000.00} USD to be retuned.
All the help center can tell me is that the refund has been actioned and will be returned to the original source.
I have been waiting for these funds to be returned for over 30 days. and I feel they are just stringing me along.
they only correspond now with email and no contact phone number.
I have used this company for multiple transaction across the globe however this is the first ACH transfer I have ever done with them.
|
| 08/31/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
1. Tranfered {$4500.00} to TransferWise for an international bank transfer ( XX/XX/2020 ) 2. Transfer was cancelled by TransferWise due to missing information. They issued a refund XXXX XX/XX/2020 XXXX 3. I never received the refund and reached out to their customer service XXXX mid XXXX XXXX 4. TransferWise claims to have transfered the money to an account ending in XXXX which is not my account. They refunded the money to an incorrect account. They try to get the money back from this account. In a later statement they claim to have refunded the money to the correct acccount, see transfer receipt. XXXX XXXX of XXXX XXXX 5. TransferWise puts a trace on the money XXXX XX/XX/2020 XXXX 6. I reach out again. They are still waiting for the money to bounce back XXXX XX/XX/2020 XXXX 7. TransferWise asks for payment information and I provide a bank statement ( XX/XX/2020 ) 8. TransferWise asks for a newer bank statement which I also provide XXXX XX/XX/2020 XXXX 9. TransferWise recalls the money from wherever they transfered it to ( XX/XX/2020 ).
10. I gave TransferWise 5 days to get me my money back before contacting the ombudsman. As of today, XX/XX/2020 I still did not get the money back.
|
| 07/30/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
- Money was not available when promised
|
|
Web |
|
|
I have opened account with WISE on the name of my company. XXXX XXXX XXXX. My account was deactivated by WISE without any intimation or information. i had a funds in my account that were XXXX USD. I was told my Wise that it will take 2-5 days for XXXX bank transfer as i have provided my US account detail of other bank to transfer my stuck funds. But they have not kept their commitment it's been 20 plus days i am begging for my money and even they are not even bother to respond. Just respond once or twice and said we don't understand the problem but it will take time. They made a commitment and i suffering loss because for their false commitment and pathetic behavior.
Moreover i am amazed and disappointed to see the poor response of American bank. I was of the view that people and system in US is very much customer oriented and they care for the rights of normal person but unfortunately it is vice versa. I had paid XXXX USD for their membership but not able to use my account properly. I am requesting you to help me out to refund my stuck amount and membership fee that is basically my right to get back my money that is XXXX USD.
Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 06/09/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
XX/XX/XXXX afternoon, I've entered incorrect recipient personal identifiable information for a Business/organization ( as provided in the option ) for purchase of goods/services of {$490.00} because the business refused to provide their address and claimed that it is a sensitive information. The required information provided to TransferWise for sending money to the recipient was incorrect. The company did not do its due diligence in ensuring that the purchase/sale of a product/service from an organization/business ( Wise provided this selection without differentiating between sending an individual/family/friend whom you can trust and a business/organization where consumer protection is warranted ). I had input my information instead per recommendation for shipping purpose. The business refused to send the product that I have paid via TransferWise, and there was no cancellation button seen on the app. Wise was not available on the weekend as soon as I detected that the business disappeared from active communication, so when the weekend was finally over, I had called Wise to request for a cancellation to which they claimed to have successfully sent the money on XX/XX/XXXX.
|
| 12/06/2022 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I had a money transfer sent to my wise account on XX/XX/XXXX, which was due to arrive on XX/XX/XXXX, from an external bank account.
The transfer was marked as being completed by the external bank, but it is still not present in my Wise account and this is now 8 days late.
I have tried reaching out to their customer service on multiple occasions and provided them with numerous pieces of documentation, and still, they have done nothing- they keep saying it'll be " 1 to 2 more days ''.
The phone number they provide on their website for customers doesn't work and their chat is offline. They also don't respond on social media.
They have provided NO WAY for me to have my issue resolved in any manner that is acceptable.
There is no way for customers to get timely, efficient help with their issues.
I have now looked further into wise and realized there are thousands of reviews from people having a highly negative experience with this company.
It's a shame as I've used them for a number of years now.
I would recommend all buisness owners to stay away from Wise- they can hold your money for up to 90 days without explanation - this can wreck small businesses.
|
| 04/12/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I sent {$130000.00} to Wise.com via Wire transfer on XX/XX/XXXX at XXXX XXXX time. The funds were delivered to Wise.com on XX/XX/XXXX at XXXX XXXX. This was meant to be an international transfer used for an emergency medical purposes. I chose Wise.com for their promise to deliver on XX/XX/XXXX itself. The funds were not delivered on XX/XX/XXXX, so I called on XX/XX/XXXX, and XXXX XXXX the agent I talked to ) told me there has been a hold up at the partner bank in XXXX and the funds should be delivered in a day or two. So I called again on XX/XX/XXXX, and talked to XXXX, who said the same. I called again on XX/XX/XXXX and talked to XXXX, this time he promised the fees of {$700.00} to be refunded due to the delay. But promised the funds will be delivered on Friday XX/XX/XXXX or Monday XX/XX/XXXX. Over the weekend, I got a call from XXXX also promising the same. I called again on Monday XX/XX/XXXX, spoke to XXXX, and heard that XXXX bank rejected payment. And again on XX/XX/XXXX I called and the lady promised no specific date when the funds will be delivered or refunded to me.
After XX/XX/XXXX, even their tracker in app and website stopped showing updates.
|
| 06/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Hello! I opened my WISE Bank account during the past a few days and suddenly I find all the amount have more then XXXX dollar in my account withdrawn without interference from me through Using of a card Detail! Thant Not good, this is a robbery that happened by taking all my money from my account of wise Bank! and The Strangar is The Thief Have doing 35+ Transactions, In one same Time Happened in my account, And each Transaction took place at the One time and take {$50.00} dollar from each Transaction! My personal Data was hacked and my card was used without my knowledge! That's why I consider this a robbery that happened,! And I have lost confidence with wise Bank, I want Here Refund My all Money, and Start Investigation about this Case, I will share with the bdf file have all Transactions happened in my account bank name : Wise Bank Name Thief : Line Financial 1 Date taking My Payment : XX/XX/2023 at XXXXXXXX XXXX All the money that was stolen : XXXX Dollar There no taking any action by Wise Bank of my payment! I want Here Immediately Doing start investigation about that problem! and also Refund My all Money In my account as soon as possible Thank you
|
| 03/21/2023 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Older American |
|
On XXXX XXXX, XXXX I attempted to use WISE to transfer {$60.00} euros to XXXX a XXXX insurance company, to cover a co-pay for my deceased brother-in-law. I erroneously put his name and date of service in the purpose line so XXXX immediately returned the payment to WISE on XXXX XXXX, XXXX because they did not know where to credit the payment. WISE then sent the money to an unknown account on XX/XX/XXXX. XXXX has assured me that they did not receive a payment on XX/XX/XXXX. WISE refuses to provide me with the account number to which they sent the payment but have shared that the address is in XXXX. XXXX is located in XXXX. I am attaching the document that WISE gave me with details of the transaction on XX/XX/XXXX. It seems that they sent the money to the wrong bank. ( See details in the first email chain that I am attaching. ) I have asked them for a refund but they have replied that they have asked the bank for a refund but that this process takes time and is at the discretion of the receiving bank. I have been asking for this refund since XXXXXXXX XXXX XXXX XXXX. I will also attach their latest email to me after one month without hearing from them.
|
| 08/15/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
Hello- XXXX XXXX XXXX XXXX XXXX XXXX XXXX that uses Wise.com to make international payments to offshore contractors ( mainly programmers ). I made two transfers : 1. XXXX XXXX for {$6700.00} 2. XXXX XXXX for {$5100.00} The money was withdrawn from my checking account on both occasions ( XXXX XXXX and XXXX XXXX respectively ), but I was informed the transfer was put on hold pending some documentation. I later received an email requesting verification of my co-founders birth date, that I promptly provided.
On XXXX XXXX I received an email stating everything looked good with my account. However my transfers have still not been made, and despite sending multiple emails and making multiple calls to the Wise customer support team, I have not been given any reason as to why the transfers have not been completed or where my funds currently are.
I believe this is a systematic problem with Wise as several consumers and small business have indicating that their funds have gone missing after attempting to using Wise : XXXX XXXX XXXX I urge the CFBP to kindly investigate their practices and help us consumers get back our hard earned money. Thank you.
Best,
|
| 09/02/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Older American |
|
- I used XXXX ( formally TransferWise ) to send money internationally.
- I sent {$4000.00} from my account in the US to my friend 's account in XXXX. The source account in the US has me and my friend as signatories.
details : XX/XX/2021 TransferWise Inc / TrnWise ACH Trans - {$4000.00} - the money never arrived. it has been more than 2 weeks now.
- XXXX claim the money was transferred successfully. I sent them a copy of my friends account printout in XXXX showing no such success.
- XXXX claim the money is stuck in the receiving bank ( XXXX XXXX XXXX XXXX ). they are probably right, who knows. But as far as I am concerned the transfer I hired them to do, was never completed and it is THEIR job to make sure it is complete.
- As a response to me nagging them for days about this vanished {$4000.00}, Wise, very wisely, CLOSED MY ACCOUNT with no further explanation.
- I demand that they wil do whatever it takes to COMPLETE the transaction or refund my {$4000.00} - I demand an explanation ( they refused to provide one ) why they closed my account. They mumbled something about " regulation I broke ''. Not sure what would be that.
|
| 12/14/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
On XXXX, XX/XX/2020, at XXXX XXXX, I received money ( XXXX USD ) from Translators Without Borders ( XXXX XXXX ) Through a money transfer agent known as Wise ( Transfer Wise ) with reference number XXXX XXXX.
I went ahead and registered with Wise in order to receive my money, however, I have never received that money in my bank account.
At first, I suspected that I might have selected the wrong bank ( XXXX bank instead of XXXX XXXX bank ).
I reached out to Wise, however, according to their policy, they do not consult receivers rather they consult with the senders, so for the next XXXX or more months, I had to contact my money senders ( XXXX XXXX XXXX who in turn consulted with Wise.
Wise made it clear that the transaction was completed, however, they couldn't specify on which account the money was deposited. In case if the details I entered were wrong, Wise couldn't confirm if the money would return to the sender or if the transaction failed.
I have since reached out to anyone I could about the matter without help until I previously tried to make a complaint.
I have all the emails and conversations with all parties involved.
|
| 10/06/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Problem with customer service
|
|
Web |
|
|
I have transferred XXXX USD using Wise from my XXXX XXXX XXXX account to an external XXXX account.
Wise has debited the money from my US account but no transfer was performed. The transfer has been pending for over 30 days and I do not have access to my money.
Money has been taken from my XXXX XXXX account by wise. No transfer has been processed. I have not been able to access this money or see any information about the transfer.
Contact with wise customer support has not generated any resolution. The communication have never provided any information and only seem to extend the time indefinitely. Here are some reasons that Wise customer service have provided me with regarding the frozen transfer and missing funds : - The transfer is frozen becuase it was done on a weekend - 5 day security checking is required - technical problems - another 5 day security checking is required - I will enquire with my colleagues and email you with information - I will get more information tomorrow- we will contact you soon with an update Ideal resolution : The transaction will be processed and sent or cancelled and returned to my bank account
|
| 10/30/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
On XX/XX/XXXX I have received a notice that Wise.com is closing your account on XX/XX/XXXX on my business email XXXX. Wise.com is cancelling my account without any valid reason. My membership number with Wise is XXXX. I have not violated any terms and conditions and have been honest and upfront with all my dealings and communications with Wise. This closure is unfair and arbitrary hence I request for reactivation of the account. I have been cooperative and honest throughout and provided all the documents you have requested or answers to the questions you have asked. I don't deserve this unfair treatment of account closure. On Friday, XX/XX/XXXX. I have made a deposit from my own XXXX XXXX Account into my Wise.com account. They have paused the payment for without any valid reason and have asked questions regarding the nature of transaction. I have promptly replied to them with all the questions they asked by XX/XX/XXXX and all of a sudden without any valid reason a day later they sent a notice that they are cancelling my account. This is totally unacceptable. I have attached my XXXX XXXX Bank Statement as well for verification.
|
| 02/07/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
We encountered difficulties with the following banking institution : TRANSFERWISE ( Delaware License XXXX / Statute : Section 2308 ( b ), 5 Del C, Chapter 23 ) TRANSFERWISE decided to close our accounts last week ( held in dollars and euros ), disable our access to online banking, without explanation, and without any notice.!!
Since then, we no longer have any visibility on the cash flow of the company, and nobody at Transferwise seems to understand how catastrophic the consequences could results to their actions. Note that nobody on their phone customer support can explain or give us any information.!
We try to contact them since XX/XX/2019, without success.!
Our company is in danger and the risk of bankruptcy is real for us because they hold the cash of our company, USDXXXX $ : we can not pay anything ( payrolls, wages, rents, credits, etc ).!
We understand that our company does not interest them anymore, and we will not appeal their decision, but they have no reason to keep our cash.!
The days are numbered : we therefore urge you to intervene so that they return our cash, as we asked them by email several times.
|
| 01/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Wise XXXX XXXX ( formerly known as XXXX ) gave my personal information without my written consent to a third party debt collector known as XXXX XXXX.
According to 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt XXXX has email me 7 times and and texted me 6 times this month. They are not on my credit report.
This has been exceedingly stressful on my person and I am seeking monetary compensation.
According to 15 U.S. Code 1681n - Civil liability for willful noncompliance Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or
|
| 09/15/2023 |
No |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
|
On XX/XX/XXXX I initiated a transfer of {$25000.00} to Wise Inc with the intent to convert it to XXXX and use these funds to fund my living expenses in XXXX. After the stated 2-5 days the status changed to " We're running some checks ''.
For the 30 days I patiently waited ; I didn't receive any correspondence from them. There had be no attempt to contact me ( phone, email or letter ). So I contacted them on XX/XX/XXXX to enquire the status of my money. I received a generic response stating it could take up to 30 working days or longer- with no other details.
On XX/XX/XXXX I opted to cancel my transfer in hopes to have my money refunded. They told me that the " regulatory checks '' need to complete and can take any amount of time.
I need this money to keep the lights on. This behaviour seems unethical and disgusting, even if it was only for a few XXXX dollars - this is my money and if I don't wish to use their bank then I expect it to be returned. If they have any issues they can discuss with my bank - XXXX. Holding a persons money hostage because they have the right is outright abuse to the consumer.
|
| 07/07/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
Our company uses Wise.com to pay our international team members. One of our new employees that we tried to set up had there account deactivated. Our employee was not told why and created an appeal as told to by Wise.com. It has been XXXX business days and there is still no resolution or reason as to why their account was deactivated. The appeal was put in XX/XX/2023. I have contacted them several times to see what we can do on our end to push this along but they will not assist as it is not my account. I have asked them what they are doing and how I am to handle this should this happen to a future employee to be told to have the employee contact them. Nothing for the business side of things to help with. The employee has been contacting them on a daily basis only to get told after 23 days to submit another appeal. Still no information or guidance on how to fix the account other than NOT to open a new one as it would be flagged and cause more issues. So we wait. Still waiting with no help what-so-ever. This is very frustrating and will result in us taking our business elsewhere if this is not resolved soon.
|
| 05/17/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
On XX/XX/XXXX there was an unusual activity from my Wise account. I received an email reporting a login from XXXX wich I tried to report without any result ( Wise telefones were wrong, the " not recognizing operation '' button didn't work and took about 15 min to find a way to communicate with them ). Then in the next 10 minutes I received notifications of 3 money withdrawal forms mi Wise Euro balance to GBP : XXXX XXXX - XXXX GBP ). Then a money withdrawal from my XXXX XXXX XXXX account. Only in that moment Wise suspend my account and I could reach to talk to them.
Clearly my account was hacked. I clearly told them what happened and gave them all the documentation they asked to prove it. Today Wise respond that they will not recognize anything although they know it wasn't me. Even XXXX XXXX XXXX could proved that my account was hacked and made a refund, but Wise took from me all my money without any guarantee. It was an entire year of work lost on the garbage.
This kind of services should not be permitted in US. They offer something they don't give, they're irresponsible, insecure and thieves.
|
| 06/05/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
I opened an account with Transferwise on XX/XX/2020.
My intention was to use their services to do an international wire transfer from my account in the United States to my account in XXXX where I am currently stranded due to Covid-19 travel restrictions. Both accounts are owned by me. I planned to transfer {$2000.00}.
On XX/XX/XXXX I was notified that the transfer was taking longer than usual. Since I was in urgent need, I attempted to use a different funding method to transfer the funds instead of waiting.
After this point, my account was suspended. I initiated an appeal process and I was able to supply the company with all documents required to verify my identity.
On XX/XX/XXXX I was notified that my account would remain closed. As is company policy they were unable to tell me the reason.
Since transferring money between two accounts that one person owns is a normal use of this kind of service I can not imagine what problem is. If there are signs of identity theft or fraud using my identity, it is something I am unaware of but would like to be made aware of it so I can deal with it.
|
| 03/03/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
My complaint XXXX was wrongfully closed by CFPB without all my request for information provided to me by Transfer Wise.
Please attach the old compliant resolution sought to TransferWise/ Wise Inc Transferwise wrongly terminated my account.
Transferwise accused me indirectly of money laundering and criminal activities Transferwise i.e Wise Inc took my call of filing appeal and their agent said that they have indicators in system that my account is flagged and it will not be activated After CFPB complaint, Transferwise activated my account. If there were flags and due appeal process followed, my account should not have been reactivated by Transferwise.
This proves that Transferwise wrongly closed my account, didn't do proper review during their appeal process, targeted me by indirectly saying that I am involved in criminal activities or money laundering when this account is totally new and I have never even had a single audit or question by any govt agency.
CFPB did not look at my fair resolution before closing my complaint. Please DO NOT close this complaint before checking with me.
|
| 04/19/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Confusing or missing disclosures
|
|
Web |
|
|
Following up on unresolved complaint XXXX. The previous response addressed by TransferWise was the wrong transaction, I am referring to the transaction # XXXX.
I locked in my rate to transfer from USD to XXXX to support my brothers XXXX XXXX struggling in XXXX with TransferWise. Consistent with previous transfers, I was informed I had 24 hours to send the money. I received a message that my transfer had been canceled without consulting me ( within 12 hours of locking it in ) because the rate had changed. Disappointed is an understatement. Its evident the only reason they cancelled my transfer was due to the fact that I had locked in the transfer at a good rate and that subsequent changes in the dollar were more favourable to TransferWise. As a foreign exchange business surely its a business practice to hedge rather than arbitrarily cancel customers transfers. How on earth can customers trust this business? This affects people, their families and their businesses. On top of this, they are choosing to engage in shady cancellations during one of the most tumultuous and stressful times.
|
| 05/07/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
On XX/XX/2020 I arranged to transfer {$5000.00} to a vendor in XXXX. The number transfer is # XXXX. Payment was to be made in XXXX XXXX. I received a confirmation from Transferwise that the transaction went through. However, to this day the money has not arrived in the XXXX bank, nor was I refunded for the transfer by Transferwise.
There was an error in the account number I originally provided ( where the funds were to be transferred to ), which I was advised would usually cause the receiving bank in XXXX to return the fund.
TW has provided me with a copy of the payment confirmation issued by their correspondent XXXX showing the transfer was completed on XX/XX/2020 to XXXX XXXX in XXXX. XXXX XXXX advised me directly that no such transfer was received by them. My vendor showed my transcripts of their bank statement for the period around XX/XX/2020 showing no incoming payment.
I can not get anyone to talk to me. I have had maybe 20 email exchanges with XXXX and the answer is " we are working on it ''.
It is now 7 weeks and I am asking for your help.
Sincerely, XXXX XXXX
|
| 02/14/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
i posted a request on a XXXX group of freelancers many inbox me for their offers among them i accepted XXXX XXXX XXXX for the job i checked his profile everywhere and he seemed to be indeed a very professional person with a good IT background so we started the deal and he requested me to pay advance to be on the safe side, i sent him {$20.00} on XXXX XX/XX/2022 as from then he told me he will start the work feeling something weird, i made out a plan to tell him i need the project asap until yesterday XXXX XX/XX/2022, he told me i will get the work at end of night at XXXX on XXXX XX/XX/2022, he messaged me on XXXX saying : " XXXX XXXX not well my health is too much down please search another developer for your project.
And send me your account details I will transfer your money.
And am not able to reply you am in high fever hope you understand Thank you '' i knew he finally managed to scam me out of anger we had a discussion and he blocked me saying he will not refund my money because we discussed the {$20.00} advance payment was made through the XXXX payment XXXX
|
| 08/01/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
Older American |
|
I opened an account with Transferwise ( www.transferwise.com ) In XX/XX/XXXX and made one funds transfer from the U.S. to XXXX that worked correctly. I did nothing further until XX/XX/XXXX when I received an email from Transferwise stating " You can only have one account with TransferWise. So we deactivated the other account you had with this email address. '' Alarmed that someone had accessed my account that is linked to my bank account, I tried emailing the company per their instructions, demanding to know why they would allow a second account to be opened using my email address. But they never responded, and my account remains " deactivated. '' Consequently, I have no idea whether someone has access to funds in my linked bank account.
After reading hundreds of similar complaints on consumeraffairs.com, I do not want to have anything further to do with Transferwise anyway. But I do need to know that my account has been properly closed, that no one is using my email address to access a duplicate fraudulent account, and that there is no linkage to my bank account.
|
| 01/25/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Problem with customer service
|
|
Web |
|
|
I transferred the sum of XXXX XXXXXXXX from my XXXX bank account to transfer wise with the intention of moving that money to my comm bank business account! Wise transaction number XXXX XXXX imputed the correct bsb but I entered my personal comm bank account instead of my business this happened on XX/XX/year> Wise referred me to comm bank and commbank referred me back to wise. Wise told me the transaction had been complete and theyd reached out to commbank several times to initiate a recall. On XX/XX/year> wise told me You informed us that you've entered incorrect bank details for your recipient. Despite our attempts to initiate a fund recall, it was unsuccessful. The receiving bank confirmed their inability to reach the recipient for a response. Unfortunately, there is limited action we can take from our end, as submitting another recall request is likely to yield the same result. In this case, we advise you to reach out to the recipient bank to dispute and get them to response to Wise 's recall messages. In case if we have a response, we will reach you out.
|
| 02/09/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
Older American |
|
Using Wise ( Transferwise ), I sent funds to a friend in XXXX on XXXX, XXXX, and XXXX using my XXXX XXXX card. Normally, I transfer funds to XXXX from my XXXX XXXX account, but there were technical issues accessing XXXX, according to XXXX. Afterwards, I discovered that XXXX charged a {$10.00} cash advance fee for each transfer. I have not used a credit card like this before, but there was no disclosure on the XXXX website of a fee, so I assumed the transaction was the same as renting a hotel room or condo via XXXX or XXXX. XXXX and XXXX act as third party XXXX for funds transfers and there are no cash advance fees. I contacted both XXXX ( XXXX and XXXX ) and XXXX ( XXXX and XXXX ). Neither had a clear explanation or owned the lack of disclosure, but XXXX indicated they would credit my account for the fees.
I want a clear explanation of how these transactions should be treated, credit card charge vs. cash advance, why there is no upfront disclosure about fees, and whether XXXX decided on their own to modify the transaction in order to collect fees.
|
| 11/21/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
In XX/XX/XXXX I requested a transaction of ( EUR XXXX ) from my account Wise directly to the account XXXX XXXX XXXX XXXX. I tried to resolve with XXXX seen that this is the host account of XXXX that is the final beneficiary. I tried to resolve with many costumer service inclusive XXXX but nobody help me to recover my money. I know that the transition had been with other currency but Wise.com surely insurance my request and then why nobody try to help to refunded from the XXXX XXXX XXXX XXXX XXXX ( California ), that is the bank where XXXX XXXX XXXX has the account and where my funds was arrived them. I tried to communicate many time with XXXX, XXXX and they replied that I'd should contact Wise for refund. Finally I request the refund from Wise, but there was just this response " We sent you the Wire Transaction Details, We can't do more than this, sorry but it was been past many time. For me this is a steal or fraud because Wise tried to while made away time to told me finally that my funds was losted. So, I need your help to try to reclaim them.
|
| 08/08/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
I wired XXXX euro to an individual who provided all of her details including bank information to me. Because it was an International transfer, she suggested to use Wise. The XXXX never went through to the recipient. It was immediately taken from my account and left in limbo unable to be received by the person I sent it to. When I tried to get my money wired back to me, the company has continually said it will not go through. I have gotten all of the correct information from my bank, tried multiple times with different accounts and every time they say it won't go through. They had no problem receiving the money and now will not send it back to me. I have been going back and forth for months now and they will not give me any other answers other than it will not go through. They have now stopped responding to me.
If you were able to receive the money you should have no problem sending it back.
I looked up their reviews on XXXX XXXX and there are hundreds of people who claim wise has also stolen thousands of dollars from them. XXXX XXXX XXXX
|
| 06/09/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
Dear Sir / Mandam, A few weeks ago I had to transfer some money to XXXX, and then I selected Wise ( https : //wise.com ) for this service. I thought I had provided the wrong banking information, so eventually the fund was rejected. Wise was saying to refund the money to me but I still not yet received my fund at this moment. They claimed to need several weeks to trace the refund status.
XXXX : System replied me the refund sent to my account and need me wait 5 days to check my account.
XXXX and XXXX : I have sending send emails to wise to ask I did not receive the refund amount.
XXXX : I sent email again for chasing the refund status.
XXXX : got email reply from Wise saying that the money has been refund and attached the recipt to me.
XXXX : I sent email to them to confirm my refund did not received and the fund transfered to wrong bank, ask Wise how to solve it XXXX : Wise replied me our refund trace is started and need about 6 working days for the result.
XXXX : Wise replied me they need over several weeks to trace my refund status.
|
| 10/11/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
Hello Dear Sir, I am reporting this incident that happened to me with a broken heart.I am a XXXX by profession. I live in XXXX, XXXX.
On XXXX XX/XX/, my wise.com account which I used to receive my remittance dollars through XXXX was hacked and more than {$72000.00} USD was stolen from that account.
I have reported this to Wise.com bank. They started an investigation. But, after 8 months of waiting period and investigation, they weren't able to recover any funds. Also, they refused to reimburse or refund me my stolen funds in their final response.
Sir, I need your assistance to recover my funds. It was a big amount of remittance stolen from me through a cyber-attack. My phone was hacked somehow which I used to receive XXXX. I haven't received any OTP for making those payments. The Bank is making me liable for this and they even didn't try to track the money, where it goes.
I have all the documents and invoices of my payments and wise account transaction histories. These are the transfers that made from my Wise account.
|
| 01/13/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
My name is XXXX XXXX XXXX, I am a Transferwise Customer with email address XXXX I am reporting this case because wise has refused refunding my money to me.
My account was deactivated and I had funds on the account. On XXXX XXXX, XXXX I submitted my bank details to wise for them to send the refunds to but I haven't heard from wise in this issue in which wise said that they were still running some checks However, on XXXX XXXX, XXXX I received email from wise informing me that they have concluded their checks and would has processed the refund and they said it will take 2-5 business days for funds to hit my Bank.
However, I kept checking my XXXX XXXX I submitted everyday and there is no refund from wise into my bank account.
I am demanding Wise to explain to me why they have not sent my funds to my XXXX XXXX details within the 2-5 business days they promised and if they said they did, they should attach a proof to their response to this complaint.
I need my refund to be sent to my bank My wise email address is XXXX XXXX
|
| 04/26/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
On XX/XX/2022 XXXX Bank formerly Transferwise deactivated our business account for no reason or explanation.
I have personally used wise for a few years and have had no issues up until this time.
As we respected the service we decided to open up two business accounts for the purpose of acquiring property for a television series we are producing.
After de activating our account we immediately sent in all the required documentation, all updated from our Attorneys.
We have reached out to wise on a day to day basis for an update and have met all of their terms and conditions and have not found a reason why this is happening. They state on their web site we would receive some sort of update or notification within ten business days of the account being appealed, we are well past this date and still have not received any notice and they are holding over XXXX usd for no reason. Many people in our organization are counting on this money to survive and pay their bills. We have also lost a tremendous amount of money due to this.
|
| 09/23/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
On XX/XX/2022 I converted the equivalent of XXXX XXXX through Wise.com because I was trying to pay for a hotel by transferring XXXXXXXX XXXX ( cost of the hotel ) to a commercial account due to the fact that the wise debit card I had was not working to be able to pay with it. Wise stopped this transaction and I decided to cancel it because the hotel never received the money so I could stay in it. Today is XX/XX/XXXX and I still have not received my XXXXXXXX XXXX back to my Wise account. After calling the wise customer support team for more than 5 times I still don't get any information about why they are still holding my money, and why they have not refunded it back to my account. Anytime I try to request a supervisor over the phone they said they don't have supervisors working at Wise and they push me to finish the call with 0 solution or at least a reasonable explanation.
Wise never sent the money to the hotel and never refunded the money to my account.
I feel I am being stolen and tortured by Wise. Please help me.
|
| 01/20/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
WISE emailed me on XX/XX/2022 that my account has been deactivated and received my appeal to reopen my account.
After many many emails to their support team, they finally replied to me saying they will give me a refund and have sent my money to my bank details I provided to them.
The refund stated it will take 3-5 business working days ( this was from the support team sent to me on the XX/XX/2022.
" XXXX : XXXX XXXX, your money has been refunded. " Find attached the email.
To my surprise, the refund never arrived. I continued to email and call WISE for assitance and nobody would help me!
Until XX/XX/XXXX when I received a message saying they will not give me a refund and will not reopen my account!!
They said they will not give me a reason why and that the money never got refunded on XXXX XXXX.
I feel scammed and abused and I have very confused also what has happened to my money, the money is around XXXX USD that they have of mine.
Please help me get Wise to refund me and respond to my complaint.
|
| 11/20/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
On XX/XX/2023, at XXXX ART, I initiated a transfer request with Wise Inc US for {$2000.00}, which amounted to {$2000.00} after the company 's transfer fee. On the same day, at XXXX XXXX ART, I executed the transfer for {$2000.00} to Wise Inc US, which, as of today, has not been credited. I routinely make such transfers every month or two, consistently using the same Wise Inc account and the same method ( Wire RTP ). It was surprising that it didn't go through even after five days. I contacted Wise support multiple times without success ; their responses were consistently, " Your money hasn't arrived ; we will notify you within 1 to 2 days when it does, '' but no notification ever came. I called the customer service number provided on their website, and when attempting to speak with an agent, the call was abruptly disconnected. This is outright theft on the part of Wise, and I demand a refund of my money, as I no longer wish to deal with this company, nor do I want the already transferred funds to be credited.
|
| 09/30/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
I sent money to a company in XXXX using wise.com for a purchase of goods, first they sent me a fake tracking number then they gave me a lot of excuses and then they asked me for a copy of my passport and license. I was afraid it was also identity theft so I refused, I asked them for a refund and they have been giving me excuses not to do it. I called them out on social media and they wrote me back saying because I called them Thieves And insulted them they didnt have to go through that and they could refuse my refund. They blocked me from any type of communication and said I could do whatever I wanted they wont give me my money back.
I tried to get help from Wise.com but they also refused saying they didnt see any type of scam and that since I didnt give them my personal documents I was at fault. I dont see that as a reason why they are allowed to keep the money.
I sent 3 transactions : One on XX/XX/2021 for {$2000.00} Another one on XX/XX/2021 for {$1900.00} And the last one on XX/XX/2021 for {$140.00}.
|
| 02/18/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
On or around XX/XX/XXXX, my personal information including but possibly not limited to my name, address, phone number, and social security number were submitted to Wise.com, which I understand is a money transfer service.
Upon verifying that I did not nor have ever done business with Wise.com, I contacted them to request that my all of my personal information be deleted and any accounts open be closed immediately.
Wise responded that banking regulations require they keep my personal information for 6 years. I explained that I have conducted no transactions with Wise.com and did not authorize their retention of my personal details, and therefore the regulations they are hiding behind do not apply to me. I further explained that I had my identity stolen via the XXXX breach several years ago and that it is critical that my personal information only reside with companies I do business with. Wise continued to hide behind bank regulations, presumably XXXX regulations, which simply do not apply in this case.
|
| 07/13/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I am writing to file a complaint against Wise Bank. On XX/XX/2023, Wise Bank initiated a XXXX transfer to my XXXX XXXX XXXX account, which was supposed to arrive within 1-4 business days. However, it has been 14 days and I have yet to receive the funds. I have repeatedly contacted Wise Bank via phone and email numerous times, but the issue has not been resolved. Furthermore, I have no idea where my funds are, and I can not continue to wait endlessly for them to arrive.
I urgently need Wise Bank to locate my funds and provide me with a clear timeline for when they will arrive in my receiving account. I have been patient and cooperative throughout this process, but the lack of communication and resolution from Wise Bank has caused me undue stress and inconvenience.
I urge the Consumer Financial Protection Department to take action against Wise Bank and ensure that they fulfill their responsibility to their customers. I look forward to your prompt response and assistance in resolving this matter.
|
| 10/12/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Wrong amount charged or received
|
|
Web |
|
|
I transferred {$50.00} USD from my XXXX XXXX account to a Wise account that I created. The domestic wire transfer was completed by XXXX on XX/XX/2023. I sent Wise a domestic wire receipt that was sent to me by XXXX bank, as well as screenshots of my transaction history ; these documents contained the XXXX Reference Number, the XXXX confirmation number, and the XXXX tracking number, as well as the amount sent, the details of Wise 's bank information ( Account # : XXXX, Name : Wise US Inc , Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Bank name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX ). But they still claim to be unable to locate the money. I don't believe they are sincerely looking into the matter, because they respond to my emails with incorrect details ( example. They thought that I made the money transfer by card, when I have written multiple times that I made a transfer and provided the transfer receipt ). I am thankful that I did not send them more money.
|
| 10/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
We are a company who does legit business. We have a brand and we sell physical products in XXXX and other online marketplaces, including our own store. We have been using Wise since a few years ago for sending money to suppliers and receiving money from XXXX marketplace sales.
We haven't been engaged in any 'ilegal activities '. For that reason, I am surprised about the account deactivation with no reason. I have read all Wise terms of service, and the only thing that could be a reason to close our account is that we had another account for our previous company. However, that company is no longer active and I remember I asked Wise permission to open this second account for our new company.
I would really appreciate if you could let me know the reason for account deactivation, or if it is an error. I am ready to send you whatever document you need to re-open the account. We are really proud of using Wise and it is very important for our business needs and operations.
Sincerely,
|
| 01/27/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Confusing or missing disclosures
|
|
Web |
|
|
TransferWise heavily markets a debit card that allows customers to access their account balances. For the issuance and shipment, they charge customers {$9.00} per card.
One of the payment options for the debit card issuance is a personal credit card. TransferWise, however, does not disclose that it sends the transaction to the credit card issuer as a " wire transfer '' or a cash advance, and therefore it incurs a cash advance fee, cash advance balance, and interest payments from many banks on what is a fee / service paid to TransferWise.
The company says it has no control over how credit card issuers process the transaction, which means that they are knowingly miscategorizing transactions that could incur potential fees for customers.
Transferwise also creates a burden for the consumer and the bank to fix the issue with ( i.e. TransferWise told me to ask the bank for a refund ), rather than fixing on their end a clear miscategorization of transactions with individual XXXX XXXX
|
| 11/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
My wise ( https : //wise.com/ ) account has been deactivated on XXXX XX/XX/2023 without any reason they even didnt inform me regarding any deactivation. when I contacted customer support they said account has been deactivated and said they will not tell the reason of deactivation. Then I continued to contact them again and again but they didnt give me a proper response. There are XXXXXXXX XXXX in it. This is the first response I received from them ( XXXX XXXX, Thanks for contacting Wise.
XXXX received your appeal, and your ticket number is XXXX.
Please, make sure you are contacting us from the email associated with your deactivated account. If you contact us from a different email, we wont be able to review your appeal.
Our team will be in touch with any updates. This can take up to 20 working days. We wont be able to reply to any questions before this time.
Thanks, The Wise team ) one and a half month has passed but didnt receive any satisfactory response from them.
|
| 05/19/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I sent two transactions to a business in XXXX for a trip I'm taking this coming week. One on XX/XX/XXXX and one on XX/XX/XXXX. Both them took the money from my account right away and showed they went through to the business a day or two later.
The company I sent them to has told me they didn't receive the money in their account and has been communicating with Wise the entire time, several months after the first one and daily since the 2nd one.
Wise has now required me to communicate with the business and gather bank statements and upload them for review to confirm the money wasn't deposited. Wise refuses to speak with the business who received the money.
I should NOT have to be the point person on this dispute because my bank clearly shows the money was taken out and Wise clearly shows on their site in my account that the transaction w
as successful. Wise needs to work directly with the business in XXXX to resolve this with the bank on their side and leave me out of it.
|
| 03/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Wise closed my account without notice ( no email or any communication ).
I tried to login, account deactivated after years of use without any issues.
They gave me no reason.
I read their ToS and it could be only 2 things.
- can't have 2 personal accounts unless permitted < i literally spoke to a rep on live chat a year ago confirming it's OK for me to have 2 personal accounts since they're tied to 2 separate businesses. You can look up chat history to see this.
- they receive a large XXXX transfer for me since SVB got taken over the FDIC, I moved my money to Wise just for a day to then transfer it to my newly opened XXXX corporate account that morning but by the time I'd access my own money, my account was deactivated without notice!!!!
Now Wise has declined my appeal for incorrectly deactivating my account And I can't access my funds, getting half-complete answers, and saying it could take 30 days?! to have my appeal processed / funds sorted which is ridiculous
|
| 11/28/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
I received an invoice from XXXX XXXX, and their email address was XXXX. The invoice was for an XXXX XXXX XXXX that was purchased by XXXX XXXX in XXXX. The invoice also stated that they used my XXXXXXXX XXXX. The invoice said to call this number XXXX XXXX XXXX XXXX to report this incident and block this transaction. I called this number, and a person with an XXXX accent picked up. They led me into thinking that money laundering had occurred on my account. They told me to turn on screen broadcasting so they could see my screen. I was fooled into sending money to XXXX through TransferWise because the bank was under my name. I sent over {$9000.00} to XXXX in increments. However, I did not know the bank account numbers. They gave me the bank account number to enter in.
XXXX XXXX XXXX XXXX Account number : XXXX I hung up after they told me to use my investor account on XXXX XXXX. The next day I disputed the transaction with XXXX XXXX, and they are investigation as well.
|
| 01/15/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
My name is XXXX XXXX and I signed up wise to receive payments but unfortunately this company frozen my funds in my Wise account without any explanation as to why they would not give it to me.
My email with wise is XXXX This company called Wise is a very fraudulent company because they have blocked thousands of customers accounts and purposely hold their funds.
After a lot of appeal, I logged into my account through the appeal website and saw that wise has asked for details of my bank for a refund of the balance on my wise account and I provided my USD bank details on Monday XXXX XXXX, 2023.
I need wise to issue a refund to my XXXX bank details and to apologise to me for holding my funds for so long.
My Bank details I submitted to wise is Routing number : XXXX Account Number : XXXX I also need a receipt of payment to he sent to their response to this complaint after the funds have been sent Again, the email associated with my wise account is XXXX XXXX
|
| 02/18/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
I used the Transferwise system to send {$4500.00} in USD from my bank ( XXXX XXXX ) in the USA to a bank in XXXX XXXX to pay for an item.
I made an electronic transfer from my bank to the Transferwise XXXX XXXX XXXX account on XX/XX/XXXX. On XX/XX/XXXX my bank told me it could take 4 business days for the funds to transfer. I made an identical transfer with XXXX 3 weeks ago that was processed correctly.
On XX/XX/XXXX a Transferwise employee informed me that their bank rejected the funds for no apparent reason and that I would have the funds returned to my bank by XX/XX/XXXX. I do not have the funds in my bank as of today.
Transferwise customer service has no idea where the funds are and suggested contacting my bank to trace them. Since it is Transferwises bank that has rejected my funds my bank can't trace them.
This has severly damaged a business relationship and Transferwise has been shown to be incompetent if not fraudulent in their processes.
|
| 01/21/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
on XX/XX/2020 I sent XXXX USD ( converted to 20 euros ) using XXXX. The receiver account was TransferWise, but since according to their records some data was missing, they refunded the money. ( I have both proof of payment from XXXX and proof of refund from transferwise ). A whole month passed because they kept saying I should wait for 14 business days after the money wasn't there, they will take a lot of time for every response, etc. In the last recent emails, Transferwise says they need an official note from XXXX saying the money isn't there, but they keep asking unrelated questions, saying that the money is not there, asking me to show a proof that TransferWise is requesting this but no matter how many screenshots I send both companies refuse to help me tracking the money. The only intermediate is XXXX XXXX, so if the money is not in either of the companies, it should be there. Bot companies are refusing to help indirectly by asking absurd information.
|
| 05/06/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
On XX/XX/2022 I placed an order with XXXX XXXX XXXX for XXXX XXXX with XXXX XXXX the businesses owner. The total amount was XXXX XXXX and had agreed I would receive by XXXX XXXX or XX/XX/2022. We had agreed on me paying 50 % ( XXXX XXXX ) on that date XX/XX/2022 the rest by XXXX XXXX so they could have it on there account by XX/XX/XXXX XXXX. I kept insisting on getting receipt once they received on XX/XX/2022 and stopped getting response from business owner.I deposit remaining half {$350.00} on XX/XX/2022 get informed issues with finding flight for our package. I asked for a refund and kept calling and he blocked me since he was not responding. Finally when Im able to get a hold on XXXX XXXX asks for my bank info to process refund. I then get a refund receipt. I check it everything looked fine except no tracking number for wire transfer. It has been 6 days and I still do not receive refund. I reach out to ask for more information and I get no response.
|
| 12/04/2023 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I used Wise to make some instant transfers, which they charge an arm and a leg for. They took my money and never transferred the funds. Its been 2 days and I still have not received anything and they do not respond other than to send a form email about delays in transfers. If they can not perform an instant transfer, then they at the very least need to refund the service fees that they charged for an instant transfer. Taking Money under false pretenses is fraud.
This happened three times, just this week and this is not the first time that this has happened.
Additionally, this company in the past has lied about these practices and said that I chose a longer transfer time and their receipts will show that a different amount from what they actually charged me. However, I paid using the XXXX XXXX option and that is only available for instant transfers. The part where they claim that a different fee was charged is also 100 percent a fraud and a scam.
|
| 12/07/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I made a transaction to transfer money using Wise payments Ltd on XXXX of XXXX for XXXX USD ( converted into XXXX XXXX ). Wise promised to transfer this money on XXXX XXXX but since today even after tens of emails and phone calls they have not made this transfer. Their customer support keeps on lying and delaying this transfer and are not providing any real proof from their partner bank that the money is sent to my account. They are keeping these funds to themselves since 22 days now and on complain they just tell its going through regular checks with our partner bank. They havent given any timeline on when the issue will be resolved. This is a big amount of money and livelihood matters on this as this money was going to be used to pay rentals and pay for monthly living expenses and make business payments. Wise works with complete impunity and keeps their customers funds to themselves and only send money when Business wise it makes sense to them.
|
| 10/08/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
on XX/XX/2020 I wired {$5000.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The person who was supposed to receive the funds, NEVER received them. it never reached the beneficiary 's account.
I asked the XXXX XXXX XXXX to return the money to my bank account since it never got to the other count.
Several times XXXX XXXX XXXX contacted the XXXX XXXX XXXX XXXX, but there was no answer.
just once, the XXXX XXXX XXXX XXXX answered that the funds have been deposited to the beneficiary 's account and since they have withdrew them, they can not return the money.
When i contacted the beneficiary, they stated that the funds were never deposed in our account and they sent me a PDF from their account showing there no {$5000.00} deposed in their account from XX/XX/XXXX to XX/XX/2020 as you see it in attachment.
the XXXX XXXX XXXX XXXX is not returning the calls for XXXX XXXX XXXX, Nor do they return the funds to my account.
Where is my Money???
|
| 10/31/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
XXXX ) I am writing to express my complaint on WISE for holding my money for a long time. WISE has closed my personal account on XXXX of XXXX and is not returning the money to my personal account till now, XXXX of XXXX. I provided all the required data for refund from my personal account, where at the time of closing were XXXX euros. I would like to receive this money into my personal account in another bank as soon as possible, since I have nothing to pay for my expenses and this amount is very critical for me.
2 ) MY business account in WISE were closed as well. There was a small amount in my WISE business account, and I do not have another account for the same company name as WISE asked. I do not plan to open a new business account to return the money. can I receive them to my personal account?
3 ) Can those 2 refunds be done separately from each other? Can I firstly get my personal money back as I provided all required info asap, please?
|
| 01/04/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
Through Wise, formerly TransferWise.. On XX/XX/XXXX, completely after their 5 day process they put me personally through, giving them all my life info, ID, picture of ID, passport, passport photo with my face in photo, bank statements, proof of funds, my account was set and i initiated the transfer of {$14000.00} in USD to XXXX pesos transfer to someone i've met in person and know. I sent the money to them on XX/XX/XXXX. It fully left my bank account. On XX/XX/XXXX i woke up to log in to my account which was blocked, de-activated and shut down without notice. Nothing to track my money, over 32 calls with these terrible customer service representatives who all had nothing to say or help, finally once said a refund was issued XX/XX/XXXX ... complete lie to get me off the phone,12-15 emails until tagging CC : XXXX and someone's name high up in the company i found online, they finally wrote in email said they are holding my money for 60 days.
|
| 12/01/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Dear Wise Team, We have a few things to discuss with you.
Firstly, our account was unexpectedly locked without any notification via email from XXXX XXXX. Furthermore, during that time, We were informed that a sum of XXXX with ID number XXXX was transferred to the account. Because it was disabled, we could not check and had no evidence to prove that the money had gone into my account. However, On the sender 's side, they have invoices and documents proving that the money had entered our account. ( I will enclose for your reference ) Therefore, we would like you to urgently send our bank statement from XX/XX/XXXX to now. We have waited too long and have suffered a huge loss because of this, so we would like to make an appointment directly at your office in XXXX. Please urgently provide information such as phone number and address so that we can completely resolve this issue.
Were looking forward to hearing from you soon.
Best wishes,
|
| 10/26/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
Hi, I try to send {$400.00} in my account from XXXX, in that day I cancelled the transaction and they asking me for a refund, I gave them all my account details, after that they send me an email we paid you refund in XX/XX/XXXX you have the money 10 working days ... ..of course I don't have the money.. yesterday I call them and ask them what happened with my money, they told me money should be in you account, and asking me for my bank statement from XX/XX/XXXX until XX/XX/XXXX to check me if I have the money ... .and after that they told me ohhhh your money should be in that XXXX bank account... there is know way ... because that account is not a USD account is XXXX XXXX account ... I can't reserve in there only XXXX money ... ..I tell them if you said that ..where is the fee which I have to pay for the refund because is considering international tranzaction ... after I told than that they don't answer anymore... Thanks XXXX XXXX
|
| 10/14/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
This is regarding TransferWise now XXXX.
After 5 years of having an active account in good standing and with funds in multiple currencies, my account was suddenly closed because of a security breach on their end ( since they changed their name and website/app to XXXX ), my money is not being returned ( more than {$5000.00} USD in Dollars and two other currencies ) and no one from customer support is able to offer any insight or resolution into this. I've checked multiple times with my bank and there have been no refunds to my checkings account from XXXX.
I've been dealing with this issue for almost a month now. All they have said is to open a new account and enter again all info I had on my former account. Regarding my funds, they have no idea of how much it was nor account statements, and their team only says that " it should be refunded to my bank account '' emphasis on " it should '' but they don't tell me how much or when.
|
| 08/15/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
This complaint is regarding my WISE account. Wise is an international transfer app.
My complaint is that WISE will not let me contact them to verify if I have funds in my account.
Context : I was XXXX and robbed, and during the event my phone was compromised and my assailant transferred money on my WISE app. I became aware of this because there was a charge on my credit card. My credit card reported the fraud and got the transaction reversed.
Wise then terminated my account. But I believe I had funds in my account.
When I try to log into WISE, I can't, because my account was terminated. When I try to appeal on their website, I can't, I am told the decision is final. When I try to contact them ( following their directions ), I am consistently brought to their login page to log in first ( but, I can't login because my account was terminated ).
I believe WISE has my funds and is not giving me the option to return them.
|
| 05/13/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
I made an advertisement on this website : XXXX XXXX XXXX/ for a developer to about something on a video game. After claiming he was a developer, a person contacted me ( XXXX XXXX XXXX to take the job offer. After a good faith agreement, I hired him on. After paying him XXXX times because he lied about not receiving the money the first time, and it wasn't correct, I did not wait. He did not deliver what he promised. The transaction was done through TransferWise. I ordered a chargeback from my bank after finding out I was scammed. Transferwise does not do refunds. I have to contact TransferWise again to see if I can make a deal with them, but if I can not, I will have to pay the original amount I got scammed, which is roughly {$690.00}. I will ask if TransferWise lost money. If they did, I understand I will have to pay back what I owe and see about claiming my money back from XXXX XXXX XXXX who claims to live in XXXX, XXXX ).
|
| 03/09/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
Older American |
|
i tried to find out why the company was always charging me for remittances i never did. i just discovered it last XX/XX/2021, because i didn't have time to verify charges that were being done by this company as i got XXXX while in the XXXX, and more so the wifi system in the XXXX was inefficient. as soon as i reach america on XX/XX/XXXX, i iinvestigated and discovered that the company has charged me every now and then for a remittance that was never initiated. the amount taken from my XXXX XXXX XXXX amounted to {$49000.00} for the whole year of XXXX i reported the scam to my bank, XXXX XXXX XXXX XXXX but the bank seems to be knowing the scam. the investigator reported to me that on their end, they knew only $ XXXX were scammed because some details could not be verified. then suddenly, XXXX XXXX XXXX changed tune, and said that they can only charge back aeround $ XXXX because i discovered late that scam that was going on.
|
| 09/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
I encountered the account XXXX XXXX on XXXX, where " XXXX '' sells designer bags that are difficult to get. So I sent her a message and she said a bag that I wanted was available. First she offered that I pay with credit card, so I went ahead and purchased through the " XXXX '' 's transaction service. After a while, she told me that the transaction had an issue because the amount was too big and that she has to give me a refund. The refund also took me a very long time, so I decided to call the XXXX service and they were able to figure this out for me. After, she asked to pay through bank wire transfer. I believed her since she built her credibility through offering to pay with credit card and she offered to show her passport as well. I went through with bank transfer, then she disappeared.
The information I have is this bank information of Wise, and that they live in XXXX ( state of XXXX ). Her email is XXXX XXXX
|
| 07/13/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
Hello, I had my Wise account deactivated on XX/XX/2022, I had XXXX in my Wise account. On the same day, I submitted an application for the withdrawal of funds. Now I am very worried about my money, there is a war going on in my country and a very difficult situation, and I am afraid that it will not be returned to me, I looked at many reviews about Wise and found out that they do not refund their customers. I have proof that there was money in my account, I took a video on the day my account was deactivated, I also have a XXXX correspondence with Wise himself, and a statement from my Wise account. Please help me get my money back. Currently, I only get promises that my funds will be returned to me and that they are safe, I am sure that they are scammers and want to profit from innocent people, and return funds only when a complaint is written against them. I really hope for your help, thank you very much in advance.
|
| 07/26/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
XXXX XXXX, sent me payments through Wise on XX/XX/2010 and 15 including three {$500.00} and one {$1800.00} payments. Wise promises the money will arrive in recipient 's bank within three or four business days. However, its been one and half months, these three payment transfers still on pending. One {$500.00} transfer was canceled, but Wise did not return the money to senders bank account and still keeps it. One and half months is more than enough time for so called extra checks and fixing issues. I contacted Wise several times and asked them to resolve issues or cancel these immediately, but they did nothing. I did not ask for disclosure of transfer specific details ; I want my money back. The sender also asked Wise for cancelation so that they can resend them. But Wise did not take any action to help me to fix the problem, nor they cancel these transactions, it chose to steal my {$3300.00} money unscrupulously.
|
| 03/09/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau, I am writing this letter to file a complaint against Wise.com. The XXXX of XXXX Wise.com closed my account without any warning or notification. Although I accept the closure of my account, I strongly request the return of my funds of around XXXX XXXX
I was shocked by the sudden closure of my account, especially without any prior warning or notification. Additionally, I had no idea what terms and conditions I had violated. I had always complied with the platform 's rules and regulations.
Therefore, I am writing to request your intervention in this matter. I believe that Wise.com should be held accountable for their actions and should return my funds. I kindly request your assistance in resolving this issue as soon as possible.
As stated, my account with wise can remain closed. I only want my funds out.
Thank you for your attention to this matter.
Sincerely,
|
| 04/14/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
Hi I am a WISE formerly TRANSFERWISE, customer from the US. I am sending this email because I didn't see any other way to communicate with WISE to get help. I have a lot to say but not enoughtime to get it all out.
My issue, I can't reach anyone at WISE. My circumstance, my phone was stolen and I am in XXXX, I need to transfer money. I can not because Wise requires me to confirm using my phone. Every time I try to reach a help desk or someone to talk to I am asked to Login.I can login but then I'm asked to verify using my phone which is stolen. I have logged in several times but the only way I can communicate with anyone is by submitting a complaint.
I just want to transfer money to pay my rent so I don't get evicted. I guess I'll have to use another service.
Based on my experience there IS NOT a way to contact a representative at WISE though they claim to have customer service staff.
Thank you, XXXX
|
| 10/24/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I used TransferWise to make a bank transfer in the amount of {$3000.00} from my XXXX XXXX Account to my bank in XXXX, XXXX on XXXX XXXX. They sent me an email saying the money was sent on XXXX XXXX to my XXXX account. They took the money as an ACH, which means my own bank in the USA can not get involved in this transaction. The money was supposed to be in my bank account in XXXX around XXXX XXXX or a few days after, as of today ( XXXX XXXX ) I have not received the money. My bank in XXXX has made numerous checks over the last few weeks and say no money has been received and there is no indication that money is on it's way. I have called TransferWise numerous times, sent countless emails to no avail. They keep telling me they are investigating the situation, but have not provided me with any information. I have evidence of all the calls I made to them and all the emails I received and sent.
|
| 04/22/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
Servicemember |
|
The service provider, TransferWise - charged my account and has not provided funds. It was a transfer from XXXX debit card to TransferWise to allocate funds into one banking account. As a consumer, I thought it is easier to manage one account vs. two accounts. In essence, I chose TransferWise to utilize a service called " XXXX Account '' that comes with a Debit MasterCard - to carry my funds as they provided lower rates and extra tools when you use their banking services.
I transferred over {$2000.00} from my XXXX Debit card ( provided by nbkc ) to my TransferWise, they froze my account after my husband, XXXX XXXX XXXX, transferred money back and fourth to each other. We opened these accounts to make our lives easier and not complicated. I had them for 8-9 months without an issue until this point.
We are not working because of the COVID situation, and they took everything from us!
|
| 10/13/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
I opened a Wise account on XXXX XXXX and everything worked fine until XXXX XXXX when Wise deactivated my account for no reason.
So I appealed and followed the instructions to make a request.
My account was blocked from that date and no money came in. However, I still have money in my account.
After making several calls, sending a complaint directly to Wise and calling customer service several times, I still have no answer.
After several calls, they haven't been able to tell me the reasons for closing my account, and that with the appeal form I was at least going to be able to transfer the money from this account to another account.
To date I've had no news, no way of transferring my money and they've given me no solution.
i'm desperate and don't know what to do, i need this money for my business.
Normally they have to give a reply within 14 days, and I've still got nothing.
|
| 12/31/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
I have been using Transferwise, Inc. for 4 months without an issue, but all of the sudden they, wthout reason, fraudulently deducted money from my account and will not refund the money. This is the case for 2 and possibly 3 trasactions. The items marked in red on the first page of the package that I included with this complaint are the transactions in question.
Transferwise will not give me a reason for why they deactivated my account, nor will they give me contact information so that I can deal with someone with Transferwise, who can handle this, in order to resove the issue. The emails from Transferwise Support also state that they can't even contact anyone about this to get info or to try to resolve it.
Business behaving in this manner should not be allowed to operate and should be held fully accountable for their actions and damages.
Sincerely, Victimized Business Owner
|
| 09/06/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Problem with customer service
|
|
Web |
|
|
Several years ago without notice or warning Transferwise now operating as Wise, decided to close my account. They did not provide written explanation or reasons for as to why they had done so. I appealed the account closure through their customer service only to receive a response that they had decided to stand by their decision to close my account.
I did not use the account in any way which would have violated their terms and conditions, nor did I engage in any suspicious or unlawful activity using the account.
My only guess is that I may have inadvertently attempted to open another account at a later date, having forgotten my original account details or that I had an account with them and that perhaps this was viewed as fraudulent or suspicious. This is merely a guess.
I would simply like Wise ( Transferwise ) to reinstate my original account or help me to recover it.
|
| 09/10/2023 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
I'm waiting for Wise to reply me back to my email that i sent today but i am not wasting anymore time, waiting for the results whether its good or bad news. I was recently promised a refund from my seller and the total refund im expecting to get is XXXX PHP = roughly around {$30000.00} however i sent the money through wise for XXXX XXXX and i need to have the full refund asap even though the seller agreed to send me the refund but she wants to do it monthly payment installment which i did not agree because it is not fair to me and my clients to wait additional months and who knows how long she will take to send me the funds and i dont have that much time. I sent the whole funds to her right away and i expect to have the refunds to me back right away and not through payment plan. I just hope Wise will agree to issue the refund and work with my bank to investigate this matter.
|
| 03/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
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On XX/XX/2020 I sent an ACH transfer from own personal Transferwise checking account to another bank account, also in my name. The funds were sent from Transferwises XXXX XXXX partner bank to my bank, perhaps incorrectly, and bounced back from the destination bank. The destination bank noted improper ACH instructions and confirmed they never got a hold of the funds. As a result, the funds are currently sitting at Transferwises partner bank.
Throughout XXXX and XXXX and at least XXXX times, Ive been in contact with Transferwise, who continue to maintain that the only course of action is to wait because their partner is not responding to their recall requests. Effectively, Transferwise is not taking responsibility, nor exercising any sufficient oversight over their domestic banking partner, and are using their lack of banking license as a means of separating from the issue.
|
| 06/02/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Wrong amount charged or received
|
|
Web |
|
|
Hello. I am a customer of www.wise.com. On XX/XX/2023, I made a XXXX transfer of XXXX US Dollars from XXXX XXXX to my Wise account. The bank charged me XXXX XXXX as a transfer fee and an additional XXXX TL as a transaction fee. I was informed that the money would be transferred to my Wise account on XX/XX/2023 as the value date. However, instead of the XXXX US Dollars that I transferred to my Wise account, only XXXX US Dollars were transferred and a transaction fee of XXXX US Dollars was charged. I dont understand this situation, this is the first time something like this has happened to me. Where is my missing XXXX US Dollars and what is the mistake here? I want to find out. I paid all the transaction fees but XXXX dollars less came. I am attaching the receipt of the SWIFT payment I sent from XXXX and the receipt I received from Wise.com. Can you please help me?
|
| 12/28/2021 |
No |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Wise ( TransferWise ) is a scam Please protect people in the US from this scam.
After we add money to our accounts with Wise, Wise intentionally closes the account ( without any explanations ) and takes the money away. They don't respond when we call them to inquire or appeal.
There are many recent cases, many people they got SCAMMED by wise.
Wise victims created a group of XXXX explaining their experience please check the following link for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Group name on XXXX : Wise ( Transferwise ) Scam Victims Also please check the bad reviews on XXXX website from other victims at the following link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please protect us and help us to get out money back XXXX XXXX XXXX
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| 04/25/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
On the day XXXX of XXXX, I resend a transfer that I put with incorrect information, now with information that suppose to be correct. Then I wait until the XXXX of XXXX because this it suppose to be the date to recieve the money, but for my sorprise the operation appear to be completed but I do not see any money, appart of my actual amount, on it. Then, the next day I ask to my bank about my transfer with my reciept, but because some but data inserted, it suppose to be refunded again and be able to resend to the correct information as it can see on the files below.
And now because I wait the legal 48 hours for my refund and do not see nothing I need to look for help of some other organization because I do not see any cooperation from the site responsible of the Transfer TransferWise.
I believe that this error can be solved for continue with my studies.
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| 08/15/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
am XXXX XXXX Explanation of my income and tax situation The receipt and transfer of money on the wise app are all operated by myself and no violations or risks On the afternoon of XX/XX/2023, wise suddenly closed my account without giving a reason, so that I could not log in to the account and did not know where the funds had gone The current balance in the wise account is about {$17000.00} Without giving the reason for the account closure, I hope it will be handled properly.
Wise XXXX XXXX XXXX / XXXX I need your help, help me with the money that will be mine Here is the information about the company withholding my funds : Wise Payments Limited is a company registered in XXXX and XXXX with registered number XXXX. Wise Payments Limited is an Electronic Money Institution authorised by the XXXX XXXX XXXX with firm reference XXXX.
thank you XXXX XXXX
|
| 04/23/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
Good day, I am so unpleased with what happened with my XXXX account unfortunately, my XXXX account that I have been using since last XXXX has been closed. The company that I work for only pays through XXXX now. I am unable to receive payments from my employer. I Contacted XXXX regarding the closure of my account and they're unable to tell me why my account had been deactivated because there's no valid reason why it should be closed however, I am unable to retrieve the funds in my XXXX account. I have to file an appeal for no reason why are they holding on to my funds they're aware that I have been receiving my pay from my employer since last year and if they want any confirmation from my employer they won't hesitate to disclose any information. My main goal right now is to have my funds transferred to me and I also need my account to be reactivated.
|
| 02/28/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
My name is XXXX XXXX. I joined XXXX ( formally Transferwise ) to send money to my friend in XXXX. When the money was not received, I contacted XXXX and told my account had been deactivated. I was not given a reason why my account was deactivated just a list for possible reasons. I then filled out forms to have my money returned. i have tried many times but when I got to the last page where I prove who I am with a selfie and ID. The company app won't download the photo. XXXX 's help center keeps saying they are busy try later. There is no phone number to contact XXXX and the app is apparently the only way to contact them. They have XXXX dollars of mine which I want back. I was hoping you would be able to help by contacting them. My XXXX is XXXX and phone is XXXX XXXX XXXX XXXX. I want to Thank you in advance for your help in clearing this up.
|
| 12/28/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Older American, Servicemember |
|
I make regular transfers with the company called " Transferwise '' usually with no problem and within minutes from my bank in the United States to the XXXX. But, on XX/XX/XXXX a unauthorized transfer of {$150.00} USD was debited from my US account and was never transferred. I made a fraud report today ( XX/XX/XXXX ) with my bank in this matter but Transferwise has not replied to my messages. I also recently made another {$150.00} transfer on XX/XX/XXXX that was for some reason delayed which is usually not normal. Due to the delay I cancelled it but they still debited my account and are stating that they did not receive the money but when they do it will be refunded. Both cases are very suspect as usually they transfer the cash almost immediate before they even debit my account and sometimes that takes a few days. I suspect fraud in both cases
|
| 01/21/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Confusing or missing disclosures
|
|
Web |
|
|
I was attempting to rent a room from XXXX but there was fraud. I was skeptical of the payment issue however the disclosures with Wise, the company I am submitting a complaint on, state that I could cancel within 30 minutes unless the money has been paid out. In the disclosures it states it usually Takes up to 4 working days. Because of this, I submitted the transfer with the understanding that I would have a cancellation window to verify the transaction. After confirming there was fraud. I attempted to cancel within minutes and was told it was too late because the money was sent in 4 seconds. I find this deeply misleading and unfair as it is clearly impossible to cancel in 4 seconds and the disclosures state that it takes 4 days. Now they are trying to hold me accountable while refusing to acknowledge that their process is deeply flawed.
|
| 03/18/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
Servicemember |
|
Wise ( Formerly known as Transferwise ) is falsely advertising instant transactions.
On Saturday XX/XX/2023 I initiated a transfer expecting it to complete within 30 minutes. The app told me only after initiating the transfer that the money would not arrive for two days until Monday.
Well I needed the money to be transferred immediately, so I canceled the transfer only to receive a message later on saying I would be refunded in four days.
If for some reason the WISE app can't make the transfer instant then they should make WISE unavailable until they can provide instant service. They should also let customers know up front before transferring that service will not be instant or there will be a delay.
No one enjoys being inconvenienced or prevented from doing what they want to do on a weekend especially when I need the money now.
|
| 06/22/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
Initiated money transfer- XX/XX/2022 for {$300.00} US Per Wise.com they received USD on XX/XX/XXXX Per Wise.com they paid out my EUR Per Wise.com Transfer successfully sent Recipient has not yet received the money into her account.
Problem was diagnosed as I, the sender, sent money to Person A, but it went to her spouse 's account- I had her name with spouse bank information. This was acknowledged by all parties.
After several correspondences with wise.com, there is still no resolution. The money has been withdrawn from my account, and the recipient. Wise.com says they sent the money to the recipient 's bank, but the bank says they have not received the money.
Wise and I have corresponded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Still no resolution.
|
| 10/14/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
HI Team, I have made international money transfer through transfer wise ( Membership number : XXXX. I transfer money from my overseas account of amount {$5000.00} on XXXX ( Reference enclosed ) and ask them send it to my XXXX account for family maintenance. But they rejected the payment and suspended my account and confirmed me to refund it to origin bank from where funds were received.
Since then i am waiting for my funds into my bank account till now i wont received it and if i try to mail customer care they said payment already transferred it on XXXX but i dint received it in my account till date. And Customer Care people giving different answers when i try to mail multiple times. i am literally worried about my hard eared money i had lot of expense to paid off. could you please help me in this regard.
Mail id : XXXX XXXX
|
| 07/29/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I initiated my Wise account balance withdrawal to be transferred back to my checking account. 18 days later, Wise hasn't transferred my funds yet.
I reached out to their customer support several times via a phone and email and they always said they were " running some checks '' on my account which should not take longer than 10 business days. They promised to escalate the issue several times without any difference.
How is it possible to block withdrawal of my own funds? This is not an international transfer that should be verified, the funds are supposed to go back to my credit union checking account.
Here 're the details available on my Wise account : XXXX XXXX - You set up your transfer XXXX XXXX - You used your XXXX balance We're running some checks Sorry for the wait we need a bit more time to process your transfer.
|
| 12/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Membership Number : XXXX Transaction no. # XXXX XX/XX/XXXX, XXXX issued a refund for order number XXXX in the amount of {$160.00} to XXXX XXXX XXXX
Well the refund failed, so they issued another one which also failed.
I disputed it Wise, and wise said XXXX rejected the chargeback request.
Every time I reach out to XXXX they say they'll talk to their Billing department. Every time I reach out to wise they literally send me the exact same email over and over again. Almost as if they're copying and pasting " The merchant rejected our charge back request.
We're now 3 months in and we've gotten no where with a refund. 13 email conversations I've had 2ith
wise and they just spam the same email over and over and over again. I've already sent them additional contact from the merchant for arbitration ... a month and a half ago.
|
| 07/10/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I have been using ( Transfer ) Wise for several years.
My transfers used to happen in a matter of hours ( as long as it was not over the weekend ).
Just recently, they started taking longer and longer. One of the reasons to switch to this company was knowing when the money would show up reliably. Well, that just isn't happening since XX/XX/2023.
I am including my most recent transfer and correspondence with the company ( I did plan for initiating on XX/XX/XXXX here, realizing that money would not move until the XXXX ) ( Also, my bank IS open on Saturdays ).
I am also including a XXXX transfer showing how fast it used to be.
The company will not explain what has changed or what the problem is.
The time it takes matters... now I will be late paying 2 bills!
These transfers are from my XXXX XXXX to my XXXXXXXX XXXX.
|
| 04/21/2021 |
No |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
Subject : XXXX XXXX XXXX ; XXXX Claim Ending # XXXX ; Missing XXXX $ in Next Day ACH Transfer.
I initiated a next day ACH Transfer from my XXXX XXXX XXXX Checking Account on XXXX XX/XX/2021 to TransferWise Business Checking Account but it never got deposited into Recipient 's account. It has not credited back to my account either.
After further investigation, we noticed the TransferWise account number in the transaction is incorrect and XXXX XXXX XXXX requested for a Recall of the funds.
It has been almost 30 days now but no update on where the funds are from both the financial institutions ( XXXX XXXX XXXX & TransferWise ).
I created one claim with XXXX XXXX XXXX ( which was not approved ) that has all the information and multiple tickets to TransferWise on the missing funds but nothing worked till date.
|
| 03/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
We have booked a vacation rental for the last week of XXXX with an agent XXXX XXXX ( of XXXX XXXX ). We have contacted the agent through email and by phone. Here are the details provided by the merchant. We were not provided the vacation rental as promised and the agent has stopped responding to us, despite our efforts to reach out to him via email or phone.
We have followed up with XXXX through a dispute and they have closed the dispute when Transferwise refused to honor the dispute.
We have made a credit card ( XXXX ) transaction through Transferwise who transfered the funds to XXXX XXXX Property Managing Director : XXXX XXXX Listing Company : XXXX XXXX XXXX Property Owner : XXXX XXXX Property ID : XXXX XXXX at the second floor Property Location : XXXX XXXX, XXXX XXXX, Florida, United States of America
|
| 01/12/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Problem with customer service
|
|
Web |
|
|
I used XXXX XXXX XXXX XXXX service for more than 5 years, I received my expatriate salary on my account, including my company. One day my account was deactivated without any precise information on the exact reason for the closure.
I asked and contested the decision, and they keep it closed without giving a reason.
I have a work contract as an expatriate from an XXXX company, I received my salary legally, I made the exchange operations and personal payments normally, for me, for my wife, for whom I needed to pay.
Never have they come and questioned something, or asked for explanations of the movement. I could explain and prove all legality.
They just closed and don't give a reason.
I think at least one justification is a right I have to know why.
XXXX XXXX XXXX XXXX XXXX XXXX email XXXX XXXX
|
| 10/03/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Confusing or missing disclosures
|
|
Web |
|
|
I opened an account in TRANSFERWISE LTD ( https : //wise.com/ ) in the name of the company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the email XXXX.
In XXXX XX/XX/XXXX, they contacted me, to tell me, they were going to close my account.
The account had a balance of {$15000.00} usd, which I requested in XXXX XX/XX/XXXX, to be transferred to a bank account in the name of XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX
In XXXX XX/XX/XXXX, TRANSFERWISE LTD, told me, through their support service, that on my refund, transfer # XXXX, had been completed on XX/XX/XXXX.
The transfer did not arrive, the receiving bank says they have not received that money. I have requested the transfer receipts, the fedwire or imad code on many occasions by email, but I have not received any response from TRANSFERWISE LTD.
|
| 12/06/2022 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
Hi I recently transferred my money from US checking account to XXXX checking account. When I initiated a wise transaction on XX/XX/XXXX, initial time frame was XXXX days, then wise send me an email stating that it may take longer and money will be credited into my account by XX/XX/XXXX. I have already raised XXXX complaint to them but no action instead they sent me another email that it will take even longer without providing any timeline.
Money is deducted from my checking account and I am not yet paid in final account. I had done many transactions in the past and usually it never happened but this time as money was big, I am afraid that wise planning to keep the money. It has created a lot of mental stress to me, kindly look into the issue as soon as possible.
My membership ID with wise is XXXX.
|
| 08/21/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Confusing or missing disclosures
|
|
Web |
|
|
Wise.com offers a borderless account with XXXX so you can convert money to any other currency and spend it on a pre paid XXXX.
The problem becomes when you have arrived in a foreign country like XXXX and the card refuses to work in any store or ATM. That causes difficulty if youre hoping to use it as a primary payment card.
There is some well hidden fine print that has a list of countries the service doesnt work in, but its not obvious to find.
The end result was all my vacation money was converted to XXXX XXXX at cost, then had to be forcibly converted back at cost, then transferred to my bank at cost for a service that could but didnt warn me that it wouldnt work for that country.
Being in a country with no ready access to money was very scary, especially with a legal system like XXXX.
|
| 11/24/2023 |
No |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I canceled my wire transfer into my Wise account because they mentioned that it would take 3 weeks for them to credit my account. But when I cancel it, they refuse to send it back to the originating account, and keeps telling me I need to fill out their form online with the refund instructions. The problem is I can not fill out their form because their form doesn't provide " further credit to '' field which is required for me to get the wire returned to the originating account. My originating account in the US a private banking, and requires " further credit to '' field. Wise refuses to accept the instructions that I've emailed them, and continues to tell me it's not possible to refund to my originating account because it requires " further credit to '' info. And now they've stopped responding.
|
| 03/07/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
We were using Wise for a while to transfer international money for our partners purchase and our company payments, and accept international payments. Most of our method to Wire using Wise is by depositing from our US bank account to our Wise account, and we have all proof statement for our every transaction we made. After we used Wise for three months we got notification from Wise our account is deactivated on XX/XX/2022. We tried to open Appeal, again they decded to remain our account closed. The reason for our account deactivation is our nature of business is violates of their policy section 1.2.2 ( e ), and we don't see ur business is violates their privcy. After all their decision we need to open a compliant using CFPB, and we need Wise to check our issue and solve as possible as they can.
|
| 02/11/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
|
|
|
Web |
|
|
Hi, my name is XXXX XXXX with email XXXX and membership number XXXX. I have a complain on wise transfer Company. I have XXXX $ in my wise account. They Close my account without any reason. I request them to refund with take my my bank details and email me that they will send it in 5 to 10 days but it been month ago I didn't received a single Dollar from them. Then I email them again and again and after a week they said we nend your detail again and I give them after this they said your refund will be sended to your bank in 2 to 3 day I wait for week but not get my money back. I'm a student and that's money is very means to me for education expenses. I request to u thats plz take a quick action on them, so thats they will send my payment back. I'm very thankful to u if u do this for me. XXXX
|
| 11/03/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
Hello, One of our client accidently sent two wire transfers to an account that is not our account at Wise ( formerly Transferwise ). The last digit was changed by mistake.
Details about the two payments : XXXX XXXX USD on the XXXX of XX/XX/2021 XXXX XXXX USD on the XXXX of XX/XX/2021 We have asked Wise team to help us locate our funds and retrieve our money. The sender 's tried to recall the fund and ask for Transferwise help to confirm, they refused to make contact with the sender 's bank. We have then ask them to make contact with the owner of the bank account that accidently received those two wires transfer, they refused again and didn't propose any solution on how to solve this case, saying it is not their problem to handle conflict between its clients.
Thank you, Best regards,
|
| 10/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
To : Consumer Financial Protection Bureau I hope this letter finds you well. I am writing to bring to your attention an unusual situation that has recently arisen with my checking account bank ( Wise ). After months of planning my upcoming trip, I received notification from this other bank that my account and routing numbers have been changed, with only two weeks remaining before my departure. Have you heard of such a thing?
Given the proximity of my trip, I am concerned about the timing of these changes and whether they will take effect before my next direct deposit. I find this situation to be rather bizarre and unexpected.
I will be traveling between XXXX XXXX XXXX. I may need to use my Wise Debt Card.
Thank you for your attention to this matter.
Yours sincerely, XXXX XXXX
|
| 08/22/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
Older American |
|
XX/XX/XXXX 3 Transaction were attempted with Wise-LTD TRNWISE XXXX XXXX XXXX with Transaction ID XXXX XXXX with Transaction ID XXXX XXXX with Transaction ID XXXX I Reached out to their Customer Service at XXXX XXXX XXXX XXXX XXXX Thier Email is Appeals @ wise.com I was Told that I would Recieve My Funds After Cancelling a International Money Transfer ; due to Frustrations with the Service, My account was Subsequently closed and then i was out XXXX XXXX i Reached out to XXXX and explained My Parameters.
My appeal was Closed without any Explanation and The Customer Service Department had a Hand in Covering up This Instance of Fraud.
I am a Retired XXXX and I was Sending Money to My Family Back in XXXX and I am Astonished with the Fraudulent activity that occurred to me
|
| 03/07/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I use transferwise as my regular checking account I to which my employer pays my wages. My employer has so far made regular deposits into my account since XXXX and every time the bank holds the deposit as pending and I dont have access to my own cash for up to 4/5 days.
When Ive called and messaged them via their XXXX chat option they revert to repeating that sometimes need to do checks to satisfy regulators. However, this has happened every single time and they cant explain why or how long these checks should take. Which leaves me waiting indefinitely to access my own cash.
Its now in a situation where my rent is late and Ill will begin incurring fees associated with this. And they arent able to offer me a solution other than to continue no use waiting.
Please help
|
| 02/21/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
I submitted several transfers with TransferWise ( one on XX/XX/XXXX for XXXX, XX/XX/XXXX XXXX and XXXX, XXXX, XXXX, XXXX - further details in this image - XXXX ). Of these 6 transfers, none of them went through until we called and spoke with TransferWise on 5 separate occasions, taking us into XX/XX/XXXX. In XX/XX/XXXX, the TransferWise rep told us the money would be refunded into our XXXX account and it would take 10 days. Then, rather than getting the refund, transfers started going through to the US account ( XX/XX/XXXX for {$350.00}, XX/XX/XXXXfor $ XXXX, XX/XX/XXXX for $ XXXX ). Now in XX/XX/XXXX, were still waiting for a refund in the amount of approximately {$400.00} + a refund of the XXXX in transaction fees, which was also discussed with the TransferWise agent.
|
| 01/11/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Wise deactivate my account ( wise is a virtual banking services ) I use wise for my payments which is received from my clients and wise suspend my account almost 3 month ago and I summited an email with all the information which they demand like my picture and my national identity card and they give code and they told me to write on blank page and they told me to hold it beside my face with your national identity card and I summit all of the things and then they reply me after XXXX to 50 days and amount is stuck in that which is almost XXXX $ and wise not demand any extra bank account to give your amount but I send but not giving my amount and not telling me why your account got suspended here is my email from where the wise can verify or find my account XXXX XXXX
|
| 08/05/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
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On XX/XX/2019, I started a transfer from my borderless XXXX account to another account, the recipient details seems to be incorrect and transfers couldn't complete the payment, I wrote to them and tried to correct the details but my they deactivated my account instead and they advised me on XX/XX/XXXX that I'd have to wait for 60 days.
I have waited 60 days already and these people still will not release my funds into the account provided to them ; they keep stalling and I am being told different things ; I contacted them last week on the XX/XX/XXXX and I still do not have my money.
I am XXXX and In serious need of my money ; I am not appealing to use their services anymore, All I want is my hard earned money paid into my local account I have provided to them
|
| 01/19/2018 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
Older American |
|
I needed to send Euro XXXX to a hotel in XXXX that did not accept credit cards.
Before sending the money, I carefully researched the alternative methods of sending the money and determined that Transferwise was cheapest.
When I made the payment, I was offered the choice of having the money charged to my bank or credit card account.I was told that there was a small additional charge for using my credit card. I thought it worth it to earn air miles. At no time was I warned that my credit card might levy additional fees. I find I have been charged an additional {$22.00} cash advance fee by my credit card.
I called my credit card. They say that they are entitled to do this under my credit card agreement. This seems likely correct. The Transferwise case is XXXX
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| 08/09/2023 |
No |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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On Monday, XX/XX/XXXX at XXXXXXXX XXXX ( XXXX time ), my account was hacked. The associated email was changed, and XXXX euros were transferred from my account to another account within the same institution. Around noon of the same day, I received an email about an attempted login to my account. In the afternoon, I started receiving several notifications from the application. When I tried to log in to see what was happening, I couldn't access my account anymore. I attempted to recover the email by sending my photo with the requested document, but the verification was rejected. I tried this twice, and both times were rejected. Later, I received an email confirming the email change, and a few minutes later, I received a notification about the completed transfer.
|
| 04/08/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
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Transfer was started on XX/XX/XXXX with a completion date on XX/XX/XXXX. My money was taken out of my account on XX/XX/2022. The dashboard stated that they are verifying me, however no communication was sent to may email. I spoke to their agents on multiple occasions. They wouldn't tell me what else is needed and just said it was internal issue. The also encouraged me to cancel transfer. I did realize there was a change in the exchange rate to XXXX. The rate was locked in at XXXX per XXXX however that dropped, so it was better for Wise to cancel my transaction so they could benefit from a better rate ( for them ). I attempted to contact them 3 times. Each time they refused to forward me to a supervisor. I want CFPB to review their unfair business practice.
|
| 03/14/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
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My account got blocked. I've filed a dispute against a Merchant for {$1000.00} I had some money still in my account which I was told will be refunded. Other then the money which was in my account, I've won the dispute whose money was not added at the time of closure. Now, I think that to hold that money, bank has deactivated my account. I'm ready to provide any necessary document to verify my account or my actions but they are not allowing me to do so. I've proof of the dispute that merchant has accepted it and the money was refunded from their side. I've paid for account opening fee as well. But still if I've gone against the policies you can close my account but refund me any amount which was in my account + {$1000.00} which is refunded by the merchant.
|
| 08/26/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
Dear All, on XX/XX/XXXX I made a money transfer ( XXXXEuro ) using WISE app from my XXXX XXXX Account ( XXXX XXXX ) to my US Bank Account ( XXXX XXXX ).
The transfer was an exact repetition of a previous money transfer made on XX/XX/XXXX, using same bank information.
The money were debited from my XXXX XXXX but never transferred to XXXX XXXX.
I immediately started a communication with WISE to understand what happened but the only explanation I got refer to XXXX and XXXX XXXX tools used to transfer the amount, so something that should be dealt from WISE and myself.
In the meantime I activated the process with XXXX XXXX in order to collect back the money but is not a 100 % sure procedure.
Do you have any suggestion to get back the money?
Thanks
|
| 02/02/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
I am writing regarding the transaction of {$10000.00} with the transaction ID XXXX, which was sent to my WISE account associated with the email XXXX on XXXX XX/XX/2022. This account was deactivated by WISE. This transaction was made by mistake to my WISE account by one of my clients. The amount of {$10000.00} must return to the sender 's account, but it never happened. We already have filed a complaint to the bank from where this transaction was made, it's been almost over a month this amount was never sent back to the sender 's account. As we were paid for our services, my client is not willing to repay our services because He didn't get the prior transaction amount back in his account. We need this matter to be fixed ASAP. Thank You
|
| 05/25/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
I have been using Transferwise to send money from my XXXX XXXX account to friends and my family. I have been using this platform from past 2 years. However, they suddenly deactivated my account without any reason. As per their request, I have again submitted verification documents and also sent an appeal. They kept me waiting for 42 days and after that they replied that they have upheld their decision and my account will kept deactivated. This was the worst experience with a XXXX company like Transferwise. I'm attaching a screenshot of my last transaction made by me from Transferwise after which my account was deactivated. Atleast they could have proved any alllegation if i have done something illegal or conduct of companies policy.
|
| 11/23/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
I asked someone based in USA to send me money on my account with Wise.
I have a US account through Wise.
Without notification, Wise changed my account number and put the old one as not operational anymore, saying that " any payment done to that account will bounce back ''.
Just like any interaction I had with Wise which is more and more looking like a giant scam, the money that got sent to that old account absolutely didn't bounce back. Customer support must be done by robots because it's absolutely useless and AI-like.
They told me to check with the sender 's bank, but there's nothing to check, the money got sent, didn't bounce back. I suspect Wise kept the money and is doing that with tons of " deactivated '' account.
|
| 07/09/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
Tranferwise deactivated my account and cancelled all the transactions that were in the amount of {$660.00} {$990.00} {$990.00} {$990.00} {$1300.00} That is total of {$4900.00} taken out of my account. When i call customer service they tell me we didn't take any money nothing was taken out of your account so there will be no refund. I am going crazy since a week calling customer service over and over again all i get to know is we dont owe you anything there is no refund coming.
I have attached my bank transaction that completely shows money is taken out. They are just scam trying to take money fraudulently. Easiest way for them is to take money from bank and then deactivate tranferwise account saying we don't owe you anything.
|
| 08/11/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Wrong amount charged or received
|
|
Web |
|
|
Subject : Very disappointing and Unfair Transection this time I am a regular monthly client of Wise I been using this Apps 4 months previous 3 months was good but now this month Wise show and deduct from me more than sanded to me.
Here are the details with payments documents : I have sanded XXXX ) XXXX USD = XXXX XXXX XXXX I should get this amount ) which clearly show on transection but I received this XXXX XXXX XXXX less than I should receive ) 2 ) Service fee Wise show on transection : XXXX USD I should pay this amount but they deduct double = XXXX USD This is totally cheating and unfair Membership Number : XXXX Transaction Number # XXXX I am expecting a clear solution from Wise soon Thank you very much XXXX XXXX XXXX XXXX
|
| 01/15/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
|
My name is XXXX XXXX, I am a Transferwise customer with email address XXXX Wise deactivated my account with funds in it and they kept the money to themselves without sending it to me.
On XXXX XX/XX/2023, I tried the wise appeal website and noticed that wise asked for my bank details so as to refund my money which I have successfully submitted, but wise has still not refunded the money to me.
I am submitting this complaint because I need wise to send my refund to my USD bank details I provided to them on timely manner My bank details which I submitted to wise is Routing Number : XXXX Account Number : XXXX I need wise to send the receipt of the refund this complaint.
The email associated with my wise account is XXXX XXXX
|
| 10/28/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I used Wise Transfer to send money to my supplier in XXXX XXXXXXXX back in XX/XX/XXXX, wise promise that funds will be available to my recipients account within 3 days. 5 days gone by the recipient never received the funds. Wise emailed me asking for additional information on XX/XX/XXXX and I sent whatever information they needed. 5 days later my recipient still didnt receive the money I sent and I asked for the cancellation. It has been 16 days since the money was sent out and that my recipient still have not received the funds and I didnt received a refund from wise and been going back and forth with them spoke to 7 agents who just keep hanging up on me. Wise is holding my money in XXXXstage and it is for {$14000.00} USD
|
| 12/08/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Hello I opened my wise online back account and have been using it since a year, i am a freelancer and i am receiving money on that account number XXXX.
and its a checking account.
on the XXXX of XX/XX/2023 i tried to log in to my Wise XXXX bank and they showed a message that we closed your account with out any explanation.
I don't mind if they close the account if they wish but I need my funds as soon as possible to be transferred to the bank account that I gave them its info.
please help to solve this issue ASAP.
Account holder : XXXX XXXX XXXX XXXX and XXXX routing number : XXXX Account number : XXXX Account type : Checking Wise 's address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX United States Thanks
|
| 11/22/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
After the unexpected closure of my Wise account, I received a notification from Wise requesting my bank details to process the refund of the remaining balance. However, upon receipt of the refund on XX/XX/2023, the amount of {$1200.00} significantly differs from the balance I recall having in my account, which exceeded {$1400.00} at the time of deactivation.
Multiple attempts to resolve this issue directly with Wise by requesting a bank statement to verify the actual remaining balance on the date of deactivation have been unsuccessful. Despite my repeated efforts over a period of more than 1.5 months, Wise has failed to provide the necessary documentation or transparently address the discrepancy in the refunded amount.
|
| 11/22/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Confusing or missing disclosures
|
|
Web |
Servicemember |
|
XXXX XXXX Transfers are deceitful. They will say that the transfer is completed. And then a day or XXXX later they will say that it was incomplete or that it needs to be funded. They take the draw XXXX. And send the money XXXX
Theyve done this to me before, so I called them.
I also checked my bank statement, and I reported it to XXXX, then refunded me the first time.
But this is the XXXX time, And I have the statement attached that shows the {$110.00} that my XXXX XXXX XXXX already sent. Theyre asking me to find it again.
They try to legitimize the transaction as an error. But theyre asking us to call them on it. And Im sure a lot of people dont even see it on their statement, or just failed to call them on it.
|
| 03/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
I HAVE A TRANSFERWISE ACCOUNT ... WEEKS AGO I PLAY ON A CASINO ONLINE BUT THEY MAKE 2 DEBITS THAT I DONT AUTHORIZATE, I REPORT TRABSFERWISE AND THEY MAKE THE REFUND BECAUSE THEY KNOW CASINO WAS TAKING ME MONEY AND I DIDNT KNOW THAT THEY WERE DUPLICATING THE DEBITS. AFTER THAT I TOLD TRANSFERWISE TO BLOCK THE CASINO BECAUSE THEY WERE STILL MAKING THE SAME. BUT TRANSFERWISE NOT BLOCK THEM SO, 2 DAYS AFTER THE CASINO MAKE ANOTHER DEBIT. I ASK TO TRANSFERWISE WHY THEY ALLOW CASINO STILL TOKE MONEY FROM ME WITHOUT I KNEW ... TRANSFERWISE SHUTDOWN MY ACCOUNT THAT IS PERSONAL AND PROFESSIONAL WITH MONEY AVAIBLE AND I NEED MY ACCOUNT ... I NEED MY MONEY ... AND I WANT THE REFUND OF THE XXXX THAT CASINO STOLE FOR ME FROM THEM.
|
| 10/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have XXXX XXXX dollars in Wise ( previously Transferwise ) they ask on XX/XX/XXXX for proof of address, I sent them over several documents including bank statements and my ID, at first they said it will be XXXX days now I have been calling them for more than month asking for an answer about my case and always the same, that they are reviewing it and still nothing, I moved to a new a place and had to get a loan to pay for all my moving expenses and new stuff for the house having XXXXXXXX XXXX in a bank account, and now I am struggling for pay my bills having money, this I think is out of control, is not fair to me or my family, hope to get an answer from you and that this complaint help to speed up things, thanks
|
| 09/11/2023 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I have an account with Wise US Inc. ( www.wise.com ). On XX/XX/2023, access to my account was deactivated without any warning or explanation. According to the help section you are supposed to file an appeal, but the appeal webpage www.wise.com/appeals does not work. Here is an error message : " An unexpected error occurred. To appeal your account deactivation, please contact us by emailing XXXX XXXX XXXX. '' Sending multiple emails to XXXX XXXX XXXX does not work either, no reply. According to the Wise , Inc. website, the appeal process takes up to XXXX working days. It has been already about two months, but I still don't have access to my online account, and my funds appear to have been stolen by Wise US Inc .
|
| 04/25/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
At XXXX XXXX, 2021, XXXX GMT+2, the company known as " XXXX '' ( XXXX ), previously " TransferWise '' closed my account, which contained thousands of dollars, without previous warning or explanations, and they are now holding my money ( That I need to live ) for at least 60 days!
I did NOT break any rules or did anything illegal with the money. It is all honest money that I earn as an XXXX XXXX XXXX XXXX.
On the same day, I appealed to them for explanations via Email, without success. They told me they can not give me any details.
On the next day, I appealed for the balance, and gave them full details for them to refund me my money to my XXXX XXXX account. They told me this will take at least 60 days.
|
| 01/16/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
i opened an account in WISE formerly known as Transfer Wise, It uses XXXX and XXXX XXXX as a backend bank, I transferred an amount of XXXX USD in my account from my personal account of XXXX XXXX XXXXXXXX. They Blocked this transaction and even Closed/deactivated my account without any proper reason. They are now not refunding back the amount to my personal account.
I tried to emailed them several times but they are not responding to any of my emails The amounted holded in account details are already in this message Account holder : XXXX XXXXXXXX XXXX ACH and Wire routing number : XXXX Account number : XXXX Account type : Checking Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States
|
| 03/06/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
Hello.
I wanted to report the damage that was brought to me by the WISE payment platform.
They decided to close my account overnight without any kind of explanation ....
Appealing to non-existent and untrue violated policies.
I had had the account for over 2 years.
I was receiving payments from the most serious and verified payment processors on the market XXXX and XXXX.
From none of which I never received a refund request.
They keep saying that I violate their policies, even though mine is a simple business of consulting and selling do services.
They have done me a huge damage because now I will have to stop my business as I can not receive payments.
I hope you can help me.
Thank you.
|
| 05/28/2023 |
No |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
Hello. I have been trying to add money into my WISE account and opt to earn interest on the deposit. However, I was blocked from getting an interest-earning account on WISE because they could not verify my Tax status. I think it had something to do with my birth date being wrong ; it was XXXX on the website but its actually XXXX. I asked WISE to correct the type ( they did ) and to re set the account so they could re verify my tax status, but every time I have reached out to WISE about it ( maybe 9 times ), their customer service reps just ignore my question. They send me guides on how to deposit money or answer some other question I did not ask. Its like they are purposely ignoring me. It is horrible.
|
| 10/04/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
On XXXX, I went into my personal banking application ( XXXX ) and noticed we had a reduction to our personal checking account of {$2000.00} from Wise.com on XX/XX/2023. I checked all other accounts on my XXXX accounts and wise.com also had a reduction in our XXXX savings account of {$2000.00}. Both of these accounts are Joint accounts shared with my wife. We both discussed and do not have wise.com accounts or any other reason for us to have the reductions in our accounts. We reached out to XXXX and they are working to remedy. My wife and I each have individual checking and savings accounts through XXXX and didn't have any fraudulent activity in any other accounts other than our joint checking/savings.
|
| 04/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Problem with personal statement of dispute
|
|
Web |
|
|
transfer., .company I have account in wise comeny..my wise account e mail address is XXXXthey deactivated me for some wan was access my account and do some mistakes, ..they stollen my account and they accessed my wise account, .and I was in vacation, ..I came back and I change my password, ..so I need hep from you to help me to allow to access my wise account., .please I read agreement and rolls of wise, and will never habben again., .please help me to get back my wise account., .which they deactivated me., .I am in XXXX ohio XXXX XXXX address XXXX XXXX XXXX, XXXX, XXXX number XXXX, .please help me thanks very much., .itis very important for me., .to get back my account., .or allow me to get new one
|
| 09/24/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Wise.com ( formerly TransferWise Ltd. ) is an online FX/payment processing portal which my XXXX XXXX XXXX. has set up an online account and approved on XX/XX/2022. On XX/XX/2022 XXXX of our clients wired {$30000.00} to our XXXX account via transfer through Wise.com for IT consulting/development services from XX/XX/2022 thru XX/XX/2022. For some unknown reason, XXXX confiscated this wire ( {$30000.00} ) and closed our account ( XXXX XXXX. ). We have made numerous requests to send back/refund our funds to no avail. We've sent Wise.com numerous daily/weekly reminder emails but NO response back from them. We just want justice and get our {$30000.00} refund back to our other XXXX bank account.
|
| 12/08/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
Wise notified me on extremely short notice that they would be changing my domestic USA wire details to a new account. I notified my employer, however they did not update the details in time and my salary payment was sent to the old Wise account details.
It has been over one month now, and I still have no idea where the money is. Wise said that the money would be 'automatically returned ' after 14 days, but it's no where to be found and my employer has told me that the money has not bounced back or been returned at this point.
I have also called the receiving bank that Wise were using ( XXXXXXXX XXXX & XXXX ) but they have not been helpful in locating my money or returning the wire.
|
| 04/28/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
I had opted for a business account for my XXXX XXXX in the XXXX - my company provides XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need a multicurrency account to make transactions easy and secure for my clients- Wise promises just this!
However, they simply deactivated my account without any valid reason. They refuse to tell me the reason and it is very difficult to contact them and have logical exchanges - even if there is nothing wrong, they are reluctant to change their decision. Due to such behaviour, my transactions were interrupted, and I am having issues with my business. They are not delivering what they have promised to the business clients.
|
| 10/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I've been using Wise ( Formerly TransferWise ) for my business needs. I'm an XXXX seller and currently selling on XXXX. I had both Personal and Business accounts with Wise. I've been receiving payouts from XXXX to my business account. I wanted to transfer from my Business account to my Personal account. They asked for a Screenshot of the problem which I sent them and in reply, they told me that they can't identify the problem and deactivated my account and told me to submit the appeal. On response of appeal I made, they replied that they can't tell us the reason for account deactivated but it violated one of our policy that I agreed to during sign up which I don't think so..
|
| 04/23/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
Transferwise closed my account in XX/XX/XXXX without giving a reason and has not returned my money. I appealed their decision and the appeal was denied. There is approximately XXXX and approximately XXXX in the account and they said that this would be returned within 60 days. It has not.
I contacted them in XXXX, XXXX, well after the 60 day period had elapsed, and was told that the return of the funds had been delayed 'indefintiely '.
As of XX/XX/XXXX I still have not received the money.
I have attached a previous account statement to provide you with details necessary to identify me and the account. Please note the currency amounts listed are not current.
Thank you
|
| 08/25/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
XX/XX/XXXX - On this day, I sent the amount of XXXX USD using the WISE payment system.
When filling out the details, an error was made in the company name, instead of XXXX, I specified XX/XX/XXXX, but all other details were specified correctly.
The iaai company informed me that it rejected the transaction for this payment, respectively, the funds had to be returned to my account, which, by the way, was blocked on XXXX XXXX.
WISE says that no funds were returned to them.
That checking my account can take up to 60 days, but 4 months have passed, and we are not even one step closer to solving the problem.
This payment system simply stopped responding to my messages.
|
| 09/18/2023 |
No |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On the XXXX XX/XX/2023 I tried to buy some hand bags online on the XXXX, using XXXX digital card from Wise. When I was completing the transaction they took my card details and XXXX XXXX, after a week ( XXXX XX/XX/2023 ) they emptied my bank account on Wise sending over XXXX $ in more than XXXX transactions to a site in XXXX XXXX in XXXX. Obviously all UNAUTHORIZED Transactions. I informed immediately the bank that those are unauthorized transactions but they didnt replied to me. How can I proceed in order to get a refund for my losses? Theyre still trying to get my money but right now I blocked the card so the last transactions ( XXXX XX/XX/2023 ) has been refused!
|
| 10/27/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
My Account was deactivated by TransferWise without any prior notice or warning. When I contacted them for the reason they said we are not bound to provide you reason.
When I asked to refund me my money and the charges you deducted as the banking services then they said " Unfortunately we won't be able to refund you the charges. Regarding the remaining funds you had in your TransferWise account, we have to wait until the aforementioned due diligence checks are completed. Kindly note that these checks can approximately take 60 working days. '' There is no logic for deducting money as the banking services when they are closing my account my email id is XXXX XXXX
|
| 09/18/2023 |
No |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Here are the USD account details for XXXX XXXX.
Account holder : XXXX XXXX XXXX and XXXX routing number : XXXX Account number : XXXX Account type : Checking Wise 's address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX United States The above mentioned my wise account was deactivated at XXXX XX/XX/2023 without any prior information or warning email. My business is shutdown because all amount has stuck. While I generated an appeal for releasing of funds, mistakenly I put the receiving bank details of the same wise account.
Now wise bank management is not responding.
Kindly help me for the releasing of my amount.
Regards, XXXX XXXX XXXX
|
| 06/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
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I signed up for a business account with WISE formerly TransferWise. My business name is XXXX XXXX For no reason that they explained the account was immediately closed and the money in the account was not refunded to me.
I have called the customer service multiple times. I was told that this is a separate department and I can submit information to their email.
I have not received any response. I looked through their website and they promise 3 months to send any money in the account back.
I did a dispute with my bank and was told to contact them which I have done multiple times.
This is not being resolved. They have taken my money. I want it back.
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| 11/19/2018 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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Web |
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Hello, my e-mail at transferwise.com is XXXX.
i was sent a sum of XXXX USD by a friend " XXXX XXXX '' who lives in the U.S. on XXXX, with an ETA at the XXXX and i have a screenshot of the transaction and i had on my account a notification of this transfer but it said pending.
trying to logon to my acc XXXX, i find it to be deactivated without any notice and i was instructed to contact XXXX so i contacted them but i got no message of delivery ( contrary to what they write on the page ) nor did i get any response.
i contacted XXXX and he discovered his account was deactivated too.
my account is verified and i have everything on mail.
thank you.
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| 02/05/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Money was not available when promised
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Web |
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On XX/XX/XXXX, I initiated 2 transfers totaling {$720.00} and {$30.00} and they were promised with a maximum of 10 days transfer time. After that I initiated a dispute with my payment method around XX/XX/XXXX till XXXX, 2021. My bank suggested that I contract the company. I tried contacting the company via email, live chat, and phone. Some of my emails where not answered at all or just generic responses.
My recipient has still not gotten the money, around 3 months after the transfer and I am currently not been refunded as of XX/XX/2021.
I submitted a complaint to the California Department of Financial Protection and Innovation on XXXX.
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| 02/02/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
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- Other transaction problem
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Web |
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I am seeking your kind assistance in regards to my account with WISE ( XXXX XXXX XXXX ). I have an existing balance for only {$540.00} and some cents with WISE. However, they deactivated my account. When I asked for a reason, they were unable to provide any valid reason for the deactivation. Now, I am unable to transfer the remaining funds in my Wise account to my bank account. I know this is just a small amount but I worked hard to earn this money and I am very hopeful to get what I deserve.
My email associated with wise is - XXXX Please let me know what you need from me to resolve this issue.
Your assistance is greatly appreciated.
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| 05/31/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
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Web |
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Company : WISE US Inc .
Date of Transfer : XX/XX/2022 Amount of Transfer : XXXX dollars to XXXX XXXX TRANSACTION NUMBER : # XXXX I am XXXX XXXX XXXX, currently residing in XXXX XXXX. I sent a XXXX dollars to my sister in the XXXX last XX/XX/XXXX, but until now she hasn't gotten any amount or credit in her XXXX Account ( XXXX ).
They already debited the money to my account the day after I processed it.
Can you help me to get my money back or can you be able to send it to my sister please. It's for her graduation. Idk what's happening. I am so stressed now.
Please help me..
Call me at XXXX or email me at XXXX or XXXX XXXX
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| 03/03/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
Older American |
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XXXX XXXX has closed my account by saying that this account is risky and held my funds by saying that you are a victim of fraud, I completely agree with everything.
I just want my money to be released by the company to me as a cashier check to my address.
they have no rights to held my fund for so long, If company doesn't release my funds, please help me to file a legal complaint against the company and take my funds back.
They are stealing people money by closing the account and saying you could be a victim of fraud.
If i am a victim of fraud, who gave you right to kept my money, you are the one who did fruad with me.
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| 12/30/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Other transaction problem
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Web |
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Good day I was a Wise account holder. For some unexplained reasons, my account was deactivated. I opted not to appeal and asked them to transfer my money. Challenge is Wise will not tell me the final exchange rate used, the final amount they transferred, or send me the proof of payment. Now my bank wants me to show that funds came from the account but I am not able to do that if Wise does not share the final payment statements. This has caused me lots of strain.
May you kindly assist me? I also want the data for y account since inception to date as being locked out of the account and am not able to access anything.
XXXX
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| 12/24/2021 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
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- Other transaction problem
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Web |
Older American, Servicemember |
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Tried to send funds to XXXX. My niece needs a pacemaker. Very confusing instructions. XXXX did not explain that they would send separate emails. I did not know what to do. My bank sent some text messages with 6 digit codes.
Did not know what to do with these codes. Thought everything was fine until my niece emailed me asking why I cancelled transfer. I did not cancel. XXXX cancelled and then deactivated my account. Feel like I was never given a chance to try again. Filed an appeal and it was rejected. First time to use XXXX and found it difficult. Not computer smart. XXXX XXXX XXXX XXXX XXXX. This is all frustrating.
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| 06/02/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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Web |
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Hello, as far as I understand it is possible to help us with an unpleasant situation we are currently facing, 3 months ago my wife and I created 2 accounts at TransferWise ( Wise ), the accounts were verified with documents everything was fine until a certain point, we have an online store that generates the family income and we used the Wise account for transfers, Wise decided to close our accounts and our money stuck there, about XXXX euros, they tell us that the money back process takes 60 working days, but we can't wait that long and we consider this illegal. Can you advise or help us in this situation? Thank you!
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| 12/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American, Servicemember |
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On XX/XX/2022, I used my Wise Debit/Credit card to purchase gas. The gas station, XXXX XXXX, put a temporary {$100.00} hold on my card at XXXX. After I pumped my gas {$21.00} was charged to my Wise card and at XXXX the {$100.00} hold was released by XXXX XXXX XXXX On XX/XX/2022 I spoke with a representative at Wise, XXXX, and I have emailed Wise a letter from XXXX XXXX to verify they released the funds and a copy of my receipt for the charge of {$21.00}. As of XX/XX/2022, Wise still has not released my {$100.00} funds. I desperately need that money to purchase food and pay bills. Wise is holding my money illegally!
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| 10/19/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
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Web |
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WISE.COM I was attracted to the service due to many good reviews and the " legit '' like website. Due to strong USD against XXXX and XXXX, i went ahead and open XXXX XXXX, XXXX, and XXXX accounts with them and went and exchanged my hard earned USD into those currency as i was planning to travel to those countries. I also ordered Wise.com XXXX which never arrived and suddenly i found out today that my account has been deactivated! I probably had over $ XXXX USD in those foreign accounts. The only way to connect with them is via online and their website said 20 business days to get a reply!!!!
PLEASE HELP!!
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| 07/19/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Money was not available when promised
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Web |
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Dear sir/mam, I newly created account in Wise.com with my private and business both IDs. I have transferred XXXX XXXX and XXXX on XXXX XXXX from my private account which is not given to me yet.
Also, I have paid XXXX XXXX, XXXX XXXX and XXXX XXXX paid on XXXX XXXX which is not given to me yet.
I have sent them all evidences through emails and their XXXX chat. My bank has confirmed me that they have paid all full amount to the beneficiary.
Wise.com customer care staff is completely silent. 0 reply since last week.
I have to pay for my business registration and I am stuck now.
Kindly check out the issue
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| 09/14/2023 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
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- Other transaction problem
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Web |
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Hi, I made a transaction # XXXX to charity donate to a XXXX organization helping to make a humanitarian relief to people suffered from war via Wise remittance, but Wise ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX www.wise.com ) declined to do the transaction because they stated I violated their acceptable use policy and this is sanctioned entity, related to weaponry. In fact this is lies, this entity does not exist in XXXX XXXX list and never was.
Entity I was making a transaction is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is it lawful that Wise declines to do this transaction?
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| 10/25/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Other transaction problem
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|
Web |
Older American |
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I sent {$100.00} to my nephew 's bank account in XXXX, XXXX, via TransferWise on XX/XX/2021. The money has not arrived into his account as of today. TransferWise pulled {$100.00} out from my XXXX XXXX account on XX/XX/2021. I contacted the Transferwise via email and informed them about the situation. I had some correspondence with one of TransferWise representatives. I am not pleased with his responses. Here is what he wrote : " Just to summarize, are two options available. We can either wait 1-3 weeks until we receive back the payment, or we can try to recall the payment, but it might not be successful. ".
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| 08/21/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Other transaction problem
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Web |
|
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Hi, I downloaded an app called Wise ( transfer wise ), known as Wise Payments Ltd, its an multi currency and money transfer company, I opened an account and topped up {$21000.00} NZD, and on XX/XX/2023 I tried to transfer {$21000.00} to my own bank account, they just closed my account without notice, now I couldnt login to my wise account, and couldnt reach any of their customer service from the wise company, Ive been waiting for almost two months, still no one solving the problem and refund my money. I really need your help get in touch with them and get my money back, its all of my savings, many thanks!
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| 05/18/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Other transaction problem
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|
Web |
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I transferred an amount of {$10000.00} on XX/XX/2023, and {$15000.00} to Wise Inc. on XX/XX/2023 through wire transfer from my bank account. These were already both deducted from my account the same day then Wise closed my account after receiving all these money on XX/XX/2023. I called in today XXXX XXXX ( XXXX ) and they said they didn't know why my account was closed and they would get back to me after 30 days for them just to perform some review without guarantee that my money will be returned.
I want this resolved as early as possible as those are for my child 's medication ; hence, the transfer.
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| 11/30/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
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|
Web |
Servicemember |
|
I initiated a transfer through WISE from my XXXX XXXX account on XX/XX/XXXX. I use this account to pay my bills as an XXXX XXXX member stationed overseas. The amount was for XXXX which converted to {$2200.00} and was withdrawn from my personal account on XX/XX/XXXX as shown in the statement. I kept checking the status and of course it hadnt completed in time for me to pay my bills. So I contacted WISE and received this generic reply that apparently others have experienced. I expect no movement from them on getting my money back unless they have a incentive to do so, which this complaint may provide.
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| 03/25/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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Web |
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I had my Wise accpunt closwd for not or undisclosed reasons, and I had in the excess of XXXX dollars balnace with them. After 60 days of requesting my funds deposites back into my XXXX accpu t, where tbey withdraw the money from to fund the balance, I have not received said refund.
They already responded to an appeal to have my money back and said that the funds were already returned to my XXXX account, but they have not.
There leave you no way to contact their support team to resolve the issue, not any other option to reach such team.
So basically they are trying to steal/ keep my XXXX dollars.
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| 06/16/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Other transaction problem
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|
Web |
|
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On XX/XX/2023 I tried to make a payment to a XXXX XXXX of XXXX XXXX XXXX using the WISE Payments limited online service. Wise deducted XXXX from my bank account. One day later Wise canceled my account without a specific explanation and did not accept my appeal to reinstate the account. The message from Wise said that any pending transfers would be returned shortly. Unfortunately, I have only received a refund from Wise XXXX XXXX which is considerably less than they deducted from my account.
Surprisingly another transaction for XXXX XXXX ( XXXX ) done around the same time went through.
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| 10/16/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Other transaction problem
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|
Web |
|
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On XX/XX/XXXX, my partner XXXX XXXX makes me a transfer through the Wise platform, which sends me the link to follow up. For XXXX XXXX NUMBER XXXX They argue that my transfer and reached my account, but the money was never reflected. I have the receipt, I have already sent you many emails and it does not solve anything at all.
In some emails they tell me that it will be solved in five days. In another email. They tell me that only the person who sent the money is Who? You can follow up to date today. XX/XX/XXXX. It's time that it doesn't look reflected and they don't give me an answer.
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| 03/14/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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Web |
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I have a complaint for transferwise now the company change the name to wise.com i just try to send money to XXXX from my card i m not XXXX much rich person wise company will deduct payment from my card n from.the bank but they will not transferring the payment to XXXX and the shocked thing he will destroy my account automatically i just receive a mail your email address is change either i m not changing my email now i try to login but app show me email password wrong pls kindly call me.whenever you have the solution and transfer wise does not have the customer service or any helpine
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| 07/17/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
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|
Web |
|
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Hello, my company is an XXXX XXXX XXXX We are a legally registered LLC in New Mexico, fully compliant with all required documents. I have been using this service for a year to handle client payments and business-related purchases. Suddenly, my account was closed without any explanation, with a balance of approximately {$1000.00} to {$1500.00}. Additionally, there is a pending refund of {$10000.00} expected in the next few days. This means there would be more than {$11000.00} in my account that I currently have no access to. Please assist me as soon as possible. Thank you very much.
|
| 11/18/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
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|
Web |
|
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I hope this letter finds you well. I am writing to formally file a complaint regarding an issue I have been facing with XXXX XXXX XXXX XXXX, a business with which I have a registered account. I have attached supporting documentation, including screenshots, to provide a clear overview of the situation.
Wise deactivated my business account without prior notice or a valid explanation, and as a result, I am unable to access the funds currently held in the account. Despite several attempts to resolve this matter directly with the company, I have encountered significant challenges.
|
| 05/31/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
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Hello, on day XXXX XX/XX/XXXX company called Wise formerly known as Transferwise ( https : //wise.com/ ) closed my account for no reason. I have submited appeals and tried to solve with above mentioned company, but they refused to give me any insight or help regarding my account closure.
I have used wise as a banking provider for my company XXXX XXXX XXXX, registred in Wyoming.
I have been a user of wise since XXXX, never had issues with them, and in XXXX i started my business account for my USA company, everything was fine until XXXX XXXX, when my account was deactivated.
|
| 03/07/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Wrong amount charged or received
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|
Web |
|
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On XX/XX/21, XXXX XXXX ( XXXX USD ) was wire transferred to Transferwise. Transferwise claimed they did not receive this transfer. I inquired with both my bank and Transferwise. I forwarded Transferwise the copy of the receipt from XXXX XXXX XXXX showing that the wire was, in fact, sent from XXXX XXXX XXXXXXXX to Transferwise. Transferwise continued to claim they did not receive the transfer. Trasnferwise then returned XXXX XXXX ( XXXX USD ) to my account on XX/XX/21. I am due XXXX USD to my account. My bank has not charged fees for the wire sent nor received. Please advise.
|
| 07/13/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Money order
|
- Lost or stolen money order
|
|
Web |
Servicemember |
|
My Friend from XXXX send me money US {$65.00} to my account in XXXX. She sent in dollars but mg account is in euros. I didnt recieve the money.
Paid out from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX partner XXXX XXXX ( USD ) Trace id XXXX Transfer overview Amount paid by XXXX XXXX XXXX USD Transfer XXXX XXXX USD Converted and sent to XXXX XXXX XXXX USD Sent to Name XXXX XXXX Account details XXXX XXXX XXXX XXXX Fee Payin XXXX USD Conversion XXXX USD Total fees ( included ) XXXX USD Exchange rate XXXX USD = XXXX USD Reference XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX
|
| 07/03/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
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I am having a terrible experience with WISE also known as Transferwise stating that they would have sent over my transfers on XX/XX/XXXX. I have my XXXX bills to pay which are going to be cut off within XXXX hours and I tried telling them that they should find out what the XXXX is going on with this transfer. Why is my transfer taking so long than the normal times I would have got it? It XXXX me off!!!!!!! I need this to be resolved immediately!!!! because someone is going to be reported. I swear if I know who is behind all these scams!!! God knows what I would have done.
|
| 06/18/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
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I started the process of two money transfer from XXXX for TransferWise.com on XX/XX/2019, transaction numbers # XXXX of U {$1200.00} that was canceled, what a waste of time dealing with TransferWise and, # XXXX of U {$1200.00}, they send me emails to confirm that received at same day and the money should be in my XXXX XXXX XXXX account on XX/XX/2019. Now they tell me that was made the deposit and the problem is with XXXX XXXX XXXX. I know XXXX XXXX XXXX for at least 18 years and everything works on properly time. Until today, XX/XX/XXXX XXXX XXXX no money was credited!
|
| 10/25/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
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I made XXXX transfers with Wise business account on XX/XX/2022 totaling about {$20000.00}. They were both denied by the recipient 's bank in XXXX and I was alerted by my vendor ( the recipient ). I immediately reported this to Wise and they have been playing games with me for more than 6 months now.
XXXX of the transfers has been found and successfully returned to me but the second one they have lost or stolen and now their customer service is not responding to me either via chat or XXXX XXXX.
I've attached a copy of our email chain and all their responses.
|
| 10/15/2018 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
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On XXXX of XX/XX/2018, I tried to transfer XXXX USD to my brother.
They did not transfer the money and they closed my account.
Since then, I try to get my money refunded.
They have not refunded my money back.
There is no way to contact them, they do not give any information.
This company is a fraud.
I read a lot of reviews about them and they close people 's account and hold their money as long as they can and they use the money to make profit.
There are a lot of people like me.
You should stop this company to hurt the others like us.
XXXX XXXX XXXX
|
| 12/01/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
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I have initiated an international transfer in the amount of USDXXXX using Transferwise on XX/XX/XXXX. Transfer got rejected on the recipient side, but Transferwise shows transfer completed on XX/XX/XXXX. After questioning them about the issue they said transfer its probably stuck with an intermediary bank and theres nothing they can do for me and that I have to wait. Ive been emailing them regulalry and always receiving the same answer that I have to wait. After almost 4 months of waiting they finally advised me today XX/XX/XXXX to file a complaint with CFPB.
|
| 08/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
A payment came into my wise usd account from one of my associates. Which afterwards I tried paying some of my suppliers in XXXX for some goods. The payment I tried making to XXXX were stopped and my account was close. I was asked to make an appeal and also provide information for me to get a refund of all the money in my account which I did. After several business an email came that the refund wouldnt come to be without any explanation.
This has made my customers and associate upset with me. I need my money back as this has caused me a lot this period.
|
| 09/16/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
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Hi there so I use Wise to transfer and receive money from people that live internationally. I had XXXX taken from wise in the form of two payments. The money was taken on XX/XX/2022 at XXXX XXXX eastern time. The transaction type was direct debit payment. I did not authorize this payment nor did I add this recipient to my wise. I have two factor authentication on my wise account but did not get notified of this at all. I have tried to contact wise by phone and email but have not received any responses I even messaged their XXXX account but to no avail.
|
| 06/15/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
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On XX/XX/2021, I transferred XXXX USD via Wise. I entered a number incorrectly in the recipient account number. When I wanted to cancel the transaction, I couldn't. I sent an e-mail to Wise. They said they would fix it in 10 days. But two weeks later, my money has not been refunded and they said the money was sent to the wrong recipient account and they couldn't fix the problem. Although the name and routing number of the recipient I sent were incompatible. Wise wanted me to make the transfer and take this mistake on me. I need you to assist. Thank you.
|
| 05/23/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Confusing or missing disclosures
|
|
Web |
|
|
On the date of XX/XX/2020, I was charged {$120.00} by transferwise for a " cash advance ''. Transferwise never disclosed that I was being billed for a " cash advance ''. I never received the services from the merchant that was sent the {$120.00} payment, so I can not dispute this charge with my credit card company because I was never told this charge would be treated as a " cash advance ''. I attempted to call Transferwise customer service to explain the issue and they stated that they could not help me since their company does not support disputes.
|
| 09/24/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I opened an account with Transferwise, my credit card was charged with the following charges : XX/XX/2020 TRANSACTION FEE Fees & adjustments {$10.00} XX/XX/2020 TransferwiseCom_USD Personal {$9.00} XX/XX/2020 TransferwiseCom_USD Personal {$51.00} Total Charges {$70.00} I was trying to use the service to send money abroad and I was Told by their customer service representative that the account was closed, I request a full money refund. So far I haven't received any refund, funds or any communication from this company, They decided to keep my money.
|
| 01/30/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
Hi XXXX XXXX XXXX is here. I'm facing issue with Wise, Formerly TransferWise company. This company is doing fraud with me. This company is keep asking for documents which i already provide them. I'm an affiliate marketer and working with XXXX XXXX My company send me affiliate payment to my wise address via XXXX. Total amount is {$1100.00} which i received from XXXX XXXX Its been many days they are holding my money for no reason. This company is doing big fraud with their customers. Please help me to get my money from this fraud thief company.
|
| 11/11/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Hi, Hope your doing good I tried to register a business account with Wise as i have a registered company in United States along with verified XXXX.
Wise for some unknown reason deactivated the account. When we tried to call them they said nothing about what causing the issue. I would need a business account with Wise to get paid from my clients.
I also tried sending an appeal but couldn't do that because at that time Wise had already closed th account.
I will definitely provide the necessary details in order to resolve this issue. Thanks
|
| 04/28/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
On XX/XX/XXXX at XXXX. I sent the equivalent of XXXX XXXX to my partner, with whom I'm in a long-distance relationship. I chose Wise ( formerly called Transferwise ), because they promised that the transfer would happen instantly. It did not. My money is being held for " checks '' ; the company requested information about his name, date of birth, and place of residence. I forwarded the information at around XXXX on the same day.
He still has not received the money. On the website, it says it will not happen for another four working days.
|
| 10/30/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Money order, traveler's check or cashier's check
|
|
|
Web |
|
|
Complaint to Wise Payments Limited and XXXX XX/XX/23 I purchased a debit card from Wise and paid a fee of {$9.00} using my XXXX credit card. XXXX charged additional transaction fee of {$10.00} for cash advancement and demanding interest payment for the amount. The product was not money order. It was a card that contains absolutely XXXX value. There was no indication extra fee at any process of the transaction. Both companies are refusing to refund or do anything about it. From a consumer stand point, this is confusing and not fair.
|
| 03/26/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
On the XXXX of XXXX, I send XXXX usd from my XXXX account to XXXX. My XXXX account shows that XXXX successfully received it, and XXXX customer service staff confirmed this. But XXXX claims the didn't, but doesn't even do any tracing with numbers provided to investigate the issue. I only get generic answers back.
They say they could not receive a usd transfer as that account doesn't support it, and that's why they refuse to investigate. So even when I tell them that XXXX confirms a successful payout to XXXX, it falls on deaf ears.
|
| 05/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
hello my name is XXXX XXXX XXXX I had an account with Transfer wise bank a few days ago I made an account all the verification has completed but recently for some of my personal work I used a XXXX for the XXXX to change in XXXX suddenly they deactivate my account they need my national id passport and my selfie with documents I submitted all the documents they required but after wise team review my case may take a decision to keep my account closed without any reason so I req yo that please activate my account thanks XXXX XXXX XXXX
|
| 01/02/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I had an account with Wise. There is about $ XXXX USD in the locked account. $ XXXX is currently in the balance which I was trying to send to my bank account, from which they took 2 weeks to " review '' the transaction, and then today they closed my account. The other $ XXXX is in the account, but will not show up in my balance due to them not completing their " review '' which is what support told me. So there is $ XXXX in that account which has now been locked with XXXX reasoning. I'd like to get my money out to my bank account.
|
| 05/07/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
On XX/XX/XXXX I made a U {$5000.00} transfer with Wise XXXX transaction # XXXX XXXX. The money was wired from my bank account to Wise account on XX/XX/XXXX, Up to date XX/XX/XXXX the money has not been transferred. Worse than that, I have been contacting wise daily through chats, emails, and complaints, and have already sent them the transaction receipt along with print screen of my bank account showing the transaction went through. They apologized for the delay and told me this would be solved. Now they are simply not answering
|
| 04/14/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
|
I was promised a rate when conducting a transfer US to XXXX, which was guaranteed for 3 business days, not including weekends.
They reneged on their rate, then I was assured on the phone the difference ( ~ {$150.00} XXXX ) would be compensated and placed in my XXXXXXXX XXXX account. I was offered XXXX XXXX of " credit '' so if I use their service again, both short of the difference and not put in my account.
I can not even speak to anyone who has any power to issue a refund or even put the compensation into my bank account.
|
| 10/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company continues to try to collect a debt of {$750.00}, although it is clear that I do not owe it and that a XXXX party that is in privity with it is the party that may owe the money. The company has been told by me, XXXX and government regulators tgat no debt is owed. Therefore the company can not collect a non-existent debt. Nor can it sell a non-existent debt. Nor can a company continue to demand payment, after being put on notice of such facts, without violating federal debt collection statutes. Please sanction it.
|
| 10/19/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
I sent an amount of XXXX $ to a XXXX account, on the XXXX of XXXX, with the right XXXX information, but still to the date has never arrived.
TransferWise, who charged XXXX $ as a compensation for this service, keeps replying that they sent the money but it never arrived.
They blame the beneficiary bank for not answering to their demands, but the beneficiary bank can't trace any transfer as they never received anything.
I guess they do this in order to keep my money for some time but I literally need this money to live.
|
| 05/29/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Problem with customer service
|
|
Web |
|
|
My account with Wise was closed abruptly on or before XX/XX/2023. In doing so they are preventing me from helping and supporting friends and family abroad. They did not give me a valid reason nor the opportunity to defend the use of my account. This is unprofessional and done without concern or care for me as the customer. It is not a crime to help and support individuals that are less fortunate.
I am very disappointed and dissatisfied with the decision. I would like to have my account teopened.
Thank you, XXXX XXXX
|
| 10/01/2023 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
I opened my account this year on wise.com. My account got deactivated on XXXX XXXX for no reason communicated, and my XXXX $ got stuck on it. I applied for refund after that but no money was refunded till date. It's been about 5 months and after asking them many times, money has not been refunded to me. Please remove this website as they are using corrupt practices to steal people 's money. They are thieves that playing with people 's emotions and teasing them by looting them, and ignoring theirs emails after the SCAM.
|
| 11/01/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
On XX/XX/XXXX I issued a wire from my Wise account to my local business account. The wire was rejected by my local bank on XX/XX/XXXX ( due to incomplete information ) and returned to the sender ( Wise ). I reached out to Wise. Wise issued a recall on the money on XX/XX/XXXX and told me it would be between 1 week and 1 month for the money to find it's way back in my account. It is now XX/XX/XXXX and the money has not yet been returned and I'm not sure they're doing anything to get it back. The amount is {$6500.00} USD.
|
| 12/10/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
To whom it may concern : Without our consent there was multiples ACH transactions without our knowledge being debited from our savings account to at this moment an unknown wise account. Totaling a sum of XXXX in small transactions, such as XXXX and other amounts. These got undetected because we do have some legit payments with the same amounts such as vehicles loans, etc.
Wise or chase have not been of any help at the moment. We are not even sure which legal steps to take either.
I appreciated any help in advance.
|
| 08/09/2023 |
No |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
An account was created with wise on XXXX. The account was deactivated by them due to my age on XXXX. There had been the request of a transfer of money from my account at XXXX XXXX to the account on wise. After the account was deactivated I no longer can access it to cancel it. Today, XXXX {$93.00} were removed from my account even though the account was deactivated XXXX. I have no way to contact them nor to request the money back through the app since I cant log in to request help due to the account being deactivated
|
| 10/13/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
my name is XXXX XXXX and i had account with wise.com. My account details is AC No : XXXX ( USD ) ACH and Wire routing number : XXXX I am running XXXX XXXX XXXX in XXXX which is register and verified XXXX XXXX address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WY XXXX I keep on getting payment from my clients for the XXXX ads services.
Yesterday wise account got suspended without any pre intimation and my amount has been hold which is around $ XXXX USD.
I request you please look into this and get my fund released asap.
|
| 04/21/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
On XX/XX/XXXX I transferred funds from my XXXX XXXX acount to XXXX. A few hours later on the same day I decided to cancel the transfer. XXXX still took the funds off my XXXX account but never credited them on my XXXX account.
I have contacted XXXX daily and, after waiting on hold for XXXX mins daily, they don't know where the money, keep telling me they will fix it in a day or two and its been 21 days now.
Total nightmare, worse institution I've ever dealt with, doesn't sound like a real bank, sounds like a scam!
|
| 06/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Dear wise.com is a wire transfer company.
I tryed to send payment transfer and the company ( wise.com ) canceled the payment and charge my credit card with the amount of ( {$300.00} ), I asked my bank many times and they inform that wise.com never refund this payment to you.
Please resolve this issue because I been waiting since more than ( 60 ) days to recieve this amount back to my account.
Visa card end with ( XXXX ) Amount ( {$300.00} ) Date of payment : XX/XX/2021 Attached company reciept.
Thanks XXXX
|
| 06/27/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
Using service Wise.com I've tried to send money to different country.
After making a transfer I have not checked the status for a while. In about a month I've noticed that transfer is still not completed. I've contacted a company via online-chat option asking for a refund as service was not provided, the request was denied, and conversation abruptly ended. The company still holds my money, and they disabled online-chat function for this particular transaction so I can not request any information about it anymore.
|
| 04/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Despite several follow-ups to receive my funds, Wise XXXX XXXX is reluctant to wire my funds to the account details provided. The transfer details have been done on XXXX and till date it has not been disbursed No reasons have been shared with me till date and it seems all my efforts to reach out to the team through the call center goes in vain as the team is deliberately sends me in empty circles I would appreciate if you can help me at the earliest since Wise XXXX XXXX is regulated by your respected entity in US
|
| 10/23/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Money order, traveler's check or cashier's check
|
- Problem with customer service
|
|
Web |
|
|
Wise bank have closed my account down and I've had benefits money going in from XXXX and wise have said I can't have it so appealled over my bank being closed and submitted a refund and they sent me an email this morning saying my bank is staying closed so I phoned them and ask them to transfer the money in my account into my dads and they said they won't be able to do that for me as they have closed my account and that they are keeping my XXXX benefits money and that I need to make a complaint with yourselfs
|
| 10/25/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
Hi, I filed a complaint on XX/XX/XXXX, ID was XXXX. Then I received a reply from the complaints Administrator. He said he will reply the final response by XX/XX/XXXX. BUT I DID NOT RECEIVED ANYTHING UP TO TODAY ( XX/XX/23 ). I did a follow up by sending an email on XX/XX/XXXX and got a reply on XX/XX/XXXX saying that they were working on it. And I gave it a few more days. I just checked the status here, it stated XXXX. It is totally insane!
Please help or guide. Should I report to a the local police.
|
| 11/16/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
We have an account with WISE which had the accounts hosted at XXXX bank.
WISE informed us on a very short notice about account number change.
A large payment ( around XXXXUSD ) made on XXXX XXXX ( last day of account operativeness ) never reached us nor returned to the sender.
We asked several times WISE to track the payments and revert but we've been told to wait and possibly ask the sender to inquiry.
We are a XXXX and this missing payment is heavily affecting our business.
|
| 02/02/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
XXXX ( formerly transferwise ) deactivated my account on XX/XX/XXXX with more than XXXX USD and as of today XX/XX/XXXX my money has not been delivered. More than 90 days - 3 months have passed and my money has still not been delivered to my XXXX account that I provided in the appeal. They sent me an email and told me that they paid me but it is a lie, the money has not arrived. The 60-business-day deadline for the due diligence that you talk about so much has already expired.
|
| 03/29/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
TransferWise ( now wise ) suspended my account with active balance of XXXX aud on XXXX XXXX and requested for additional documents. I provided all supporting documents as requested but on XXXX XXXX, they closed my account. Since then, they have not issue any update concerning refund of my active balance and my emails are not replied. The customer service on phone also tell me they can not do anything except the account specialist team who are refusing to respond to my email
|
| 10/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I had an account online bank named WISE. In the past week, they have deactivated my account and held my funds without any notification or explanation of the reason. Upon contacting their customers ' service mentioned that they have very limited access to the account information. I have to appeal but after appealing I haven't had any accurate answer on how to recover my own money. So it looks like a scam bank that steals money from people working so hard to earn some living
|
| 04/06/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
I am transferwise user and I had large amount on money in my account. on XXXX XXXX my account was hacked then I told to wise immediately. transferwise answered me that they have closed my account to safe my balance in wise account they also said that my money is safe and secure.
they advised me to create new wise account and get in touch for refund of balance I did that but after some time they also deactivated my other account.
so i need my refund from transferwise
|
| 05/26/2023 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
Servicemember |
|
I initiated a {$1000.00} money transfer to XXXX using through Wise on XX/XX/2023. Wise withdrew the {$1000.00} from my XXXX XXXX account. They charged {$18.00} fee.
The money was supposed to be available to the recipient on XX/XX/XXXX and today is XX/XX/XXXX and the recipient still don't have the money.
I made several attempts to get hold of Wise customer service and every time they keep saying they will get back to me within 2 days. Still no resolution.
Thanks,
|
| 01/14/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Hi Our company, XXXX XXXX XXXX, had a bank account with WISE ( formerly Transferwise ). They close our account without any prior notice & reason. Now they are not giving us option to appeal for reopening the account & not telling the reason why they closed our account.
We request you to kindly look into the matter & help us reactivate our account.
we are facing heavy business loss due to their this unprofessional behavior.
looking forward for positive response.
|
| 01/31/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Servicemember |
|
Used Wise for money transfer. AFTER the transfer was initiated and money was taken from my account, they wanted extra personal information which the receiving party did not want to disclose ( date of birth, etc ). So Wise cancelled my wire and now they have yet to return my money to me.
Their app also shows no issue with the transfer and that it is still in process to receiving party. Only additional information given about it being cancelled is if I call them.
|
| 04/17/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I sent a remittance on the wise website. I made a mistake when filling in the beneficiarys account number. The beneficiarys account number is XXXX. This remittance has been completed. I hope the receiving bank can return the money. Thank you very much.
Amount : U.S. Dollar amount Recipient Bank Name : XXXX XXXX XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Number : XXXX For the Benefit of ( XXXX ) : XXXX XXXX XXXX XXXX Bank Account Number XXXX
|
| 06/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Hey.
So I'm having as issue that my account have been deactivated by WISE.COM on XXXX of XX/XX/2023 without any authentic reason.
I'm using it as a XXXX company.
And it is registered with my LLC. But suddenly they deactivated my account. And my amount of XXXX was in pending with wise..
And they don't even giving me any choice to appeal for my account reactivation.
I want my account to be reactive so i can peruse my business with it.
Thanks XXXX XXXX
|
| 09/08/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
|
Following up on the initial case I filled ( case number : XXXX ) Wise claimed they had no evidence that the recipient didn't get the funds and I am attaching couple of documents to show that 1 ) Bank Statement as of XX/XX/2022 ( 49 days after I sent the initial payment ) 2 ) Recipient Bank Policy on swift codes and Intermediary bank ( showing Wise used wrong intermediary bank ) 3 ) Letter from the recipient that states she didn't receive the funds Thanks
|
| 11/10/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Problem with customer service
|
|
Web |
|
|
Well trying to send money through The website https : //transferwise.com/ Because I have digital photographs of what they actually tell me is being sent the price changes the times constantly change I have no idea if the money been sent or the money been taken they refused to contact me : Because theyre XXXX around I want their legal department mailing address and their United States federal tax ID number theyre conducting business they have one.
|
| 04/21/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
Money was transferred through www.TransferWise.com to a bank account that belongs to a fraud/scam.
XXXX Euros on XX/XX/XXXX XXXX Euros on XXXX XX/XX/2019 XXXX Euros on XXXX XX/XX/2019 XXXX Euros on XXXX XX/XX/2019 The fraud 's bank information : Name : XXXX.XXXX.XXXX.XXXX.XXXX Address, : XXXX XXXX XXXX : XXXX XXXX XXXX..XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Swiftcode : XXXX XXXX XXXX
|
| 09/08/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
On XXXX XX/XX/2020 my sender from XXXX transferred XXXX Euros to my bank account in XXXX.
Unfortunately she missed one digit of of my bank account. We have tried to ask Transferwise yo bounce back the money to her but till today over three weeks nothing yet.
We feel so frustrated by transferwise bearing in mind the sender is a bit aged and tired to keep following.
It is illegal for them to keep that money for all that time. Kindly help
|
| 01/10/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I had to recieve a transfer in amount XXXX on XXXX XX/XX/2023. I have tried to contact my banking services several times and they're not responding. Till this date we did not receive a compatible response from them. We need our funds and it is requested to notify Wise XXXX XXXX about this complain.
>We are using Wise XXXX XXXX formally TransferWise for our banking services.
>Our clients company : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
|
| 10/19/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
On XXXX of XX/XX/XXXXi open an account on the portal Transferwise. I used it to receive and make payments of my clients. Everything was allright till XXXX that i realized that the account has been closed without any notifications. Till then i have been trying to recover my money without notice.
Send some mails and the answer is that they are doing some compliance but i think that the they are taking a lot of time to do the work.
Thanks
|
| 12/23/2021 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
I used the company " wise '' ( previously transferwise ) to get funds from my partner in the XXXX ... after i had these funds for about 2 days wise shut my account down and ive been trying to get my account reinstated and money returned to me for over 14 days.
the amount is about XXXX USD / XXXX GBP on XX/XX/2021, XXXX AM i was notified of my funds being paused and account closure.
their team is SO slow i no longer have the patience.
|
| 12/22/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
Hi, I want to do a 2nd complain, because after 1st one noting happened ... they didn't refund my money ( {$400.00} ), they just sent me an email and tell me to put my bank account into their application, I did that and I sent them back an email to let them know that, like they say... until know nothing happened ....
After 2 weeks and so, I sent them an email and tell them, what happened with my refund, they never answer to me!
Thanks.
|
| 10/11/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
After receiving a wire transfer amount of {$10000.00}, on XX/XX/2023 into wise account. My account was reactivated. After appealing for my account reactivated, I was being told that This can take up to 5-40 working days, but can take longer in some cases. Its over 40 working days now and I havent received respond yet. barely ever used the Wise App and I am very new to the Wise App I could use some clarification for this issue please
|
| 05/14/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Problem with customer service
|
|
Web |
|
|
Hello. The XXXX company blocked my account without explaining the reasons and does not respond to my letters of support about the amount of funds in my account XXXX the estimated amount is about 25-30 thousand dollars ) and the timing of their withdrawal.
I can't wait for an official document on the impossibility of a refund wrong trasfer for about two months. And near 1 week I dont have answer for my emails about refunds my money.
|
| 01/24/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Trouble accessing funds in your mobile or digital wallet
|
|
Web |
|
|
On XX/XX/year>, I completed a legitimate transaction and received payment in the amount of XXXX XXXX, but the following day, Wise disabled my account and prevented me from accessing my funds. I was directed to make an appeal when I contacted customer care. I did and provided my identity details, but after providing all the necessary information, they replied that my account would remain closed and I would not be getting a refund.
|
| 12/07/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
I was using this account from long time but they closed it with one statement i.e.
( After reviewing your case we've decided to keep your account closed.
If you had any pending transfers or money in your Wise account it has been fully refunded to the originating bank account ( s ).
Wise has the right to close your account without notice, however you do have the right to complain about this through independent adjudication )
|
| 12/15/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
Good morning, I have opened an account at WISE, after making a deposit and sending all the receipts, they blocked or closed the account, I asked them for a refund of the money on several occasions and now the system tells me that my money has already been sent to where I indicated, I gave them a XXXX XXXX account and a XXXX account and I have not received the money, it is {$45.00}, I appreciate the collaboration in this case
|
| 07/26/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
Sent money via Wise- several went through, then a couple were held up for " review ''. Was told it was a " random regulatory audit '' but then my account was frozen/suspended and the money didn't go through. When I inquired why, they told me it was because I was purchasing " cryptocurrency '' which was not the case. I appealed the matter and they denied my appeal without any evidence or support for their baseless accusation.
|
| 01/10/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I sent an international wire transfer of over {$1000.00} via transferwise and they claim to have sent the funds successfully but the recipient ( XXXX XXXX XXXX ) claims they have not received the funds. Transfewise is requesting for recipient 's bank statement to investigate further but recipient says they are not authorized to release their banking statement. Right now, my money is gone and i don't know what else to do
|
| 10/22/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Hello, My name is XXXX XXXX. I opened an account in Wise ( XXXX ) but after some time they deactivated my account without any notice or email stating the reason. I appealed there but they didn't respond. After that I appealed to tranfer the funds in my accounts but didn't respond yet. It has been almost 23 days. They have stated on their website that they will respond in 10 days. Please I want my hard earned money back.
|
| 03/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Older American |
|
The company - called Transferwise now called XXXX allowed XXXX XXXX to double bill my card- approximately {$500.00} two times = {$1000.00}.
This has overdrawn my account and blocked access to my good funds for 10 days. I have sent twitter and email messages. They apologized but refused to clear the double charges. My subsequent emails to them - no replies- only silence.
Account # XXXX My email address - XXXX XXXX
|
| 10/23/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
My Wise Checking Account was deactivated by the company without any reason. I provide all the information that they need and i also requested for a refund as i have XXXX XXXXXXXXUSD in my account i gave them all the details but nothing. Now the company is saying that they refunded my money to my bank account that i gave them while i appeal to review my account again. But i haven't got a single XXXX in my account.
|
| 08/04/2023 |
No |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
XX/XX/2022 opened a business account for {$31.00}. The company name is XXXX XXXX. The company closed the bank account immediately. The money remaining in the account including the cost to open the account have not been returned. It will be both the {$31.00} and the remaining balance in the account {$110.00}. XXXX XXXX XXXX wise.com as well as called customer support multiple times without success returning money.
|
| 09/01/2016 |
Yes |
- Money transfers
- International money transfer
|
|
|
Web |
Older American |
|
I transfer some money to an account that I have in XXXX, through Transferwise, after I open an account with them, given to them all the information they required, such as : ss # etc.The first ones went smooth, but on the last one, they ask me to provide aditional pieces of Id wich I refuse, all of this after they took the money from my account, I think this is not a correct banking procedure. What should I do?
|
| 11/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Hello, I recently submit a complaint and receive response from company. Company has responded but they are asking for their own bank statement and they have restricted my access to my account how can I send the statement. Please solve this issue because they are taking this issue too far. If I had access I will send the bank statement they have asked for but I dont have any access to download bank statement.
|
| 11/10/2023 |
No |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I have been using my account for the past 1 year. My account has recently been closed without any reason when I tried to contact the team said they don't know. I called the bank but no one provided me the reason. then I emailed but no one responded then I contacted them through XXXX XXXX but nothing has worked for me. there are around XXXX $ in it but the team is not replying to my emails, calls, or chats.
|
| 02/12/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
I used Transfer wise App to send a sum for a friend in XXXX, specifically she used XXXX bank account, almost 15 days ago She could not receive the money in spite she reviewed her bank The man in charge had reported that my bank ( transfer wise ) did not send the money, I gave her the transfer number and that could not help.
Please I want a method to be sure that she received the sum Thank you in advance
|
| 12/09/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
My salary was transferred to my Wise bank account on the XX/XX/22, the money is still not available to me. Wise simply says there is a technical error and the team is working on it. No additional information is given no matter how many times I ask. All excuses and reasons are vague. They have not located my salary nor given me any progress updates. It is now the XX/XX/22 and I still don't have my money.
|
| 11/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Transferwise bank closed my persnol account. In my account have more then $ XXXX also XXXX pounds and XXXX euro. They closed my account without any resason and notification and hold my funds. I need my account and funds asap. Because I have to pay bills. I will be really thankful to you.
Email : - XXXX Phone no : - XXXX Address : - XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX Last transfer number : - XXXX
|
| 11/11/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
Older American, Servicemember |
|
I initiated a {$10000.00} withdrawal in early XXXX. Nothing happened, so i emailed support. They responded that they have deactivated my account! I have exchanged multiple emails with them and submitted an " appeal '' per their instructions Nothing happens.
They have my money and I'm beginning to think this has become a fraud.
I need that money. And they will not respond and return my funds.
|
| 05/22/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I made a transfer of XXXX Euros ( XXXX, XXXX dollars, until the moment of the transfer ) from my current account in XXXX to the Wise account, in XXXX, onXX/XX/XXXX with the promise that the account is in my checking account, Bank XXXX XXXX, XXXX, within XXXX hours, however, it has been 5 days, and the money has not been transferred, and I have not been informed until now when I will see it.
|
| 03/26/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
by thursday i was to transfer XXXX usd and it says status change to checking transfer, then it says it will took a bit more to send the funds and when i entered the friday to the account my account says deactivated without any reason no emails or nothing they just closed the account without any reason cuz all the money i received there is legit and legitimate from my XXXX bussines account
|
| 10/06/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
An identity thief set up the account and I want to close it. He used an email from XXXX say I was being charged {$290.00} if I did not order call XXXX then he switched the call to XXXX said he would stop further charges and refund my money which has not been taken out yet.
He called himself XXXX XXXX. XXXX This happened XXXX When I refused to give him my new debt card no. He got angry.
|
| 08/21/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
After using the money transfer service Wise ( formerly TransferWise ) for more than five years, with my bank account at XXXX Bank, it has recently become impossible to do any transfer, while attempting to do so on a numerous occasions, my money is being held by Wise for a few days, then refunded to my account at XXXX. I have not received any meaningful support from Wise representatives.
|
| 12/01/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
Funded on XXXX XXXX paid out same day the bank account name XXXX XXXX XXXX and account number XXXX is dont have record tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX thats my complete name but there someone cashout using my name but i dont have already bank account i use my gruebd bank account so please refund my payment itge details is not valid again i dont have XXXX acount XXXX!
|
| 11/26/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Problem with customer service
|
|
Web |
|
|
Complaint to TransferWise Dear Whom May Concern, My TransferWise account got deactivated and money withheld because I used TransferWise to transfer money to invest in Cryptocurrency. I received an email stating the refund will be back to my bank account in a maximumof 3 workingdays, but still now l haven't received it. Please see the attachmentfor evidence.
XXXX XXXX XXXX XXXX
|
| 09/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Dear Sir Sir Wise Company Closed My business account without any notice and mail. Sir I know that I accept his terms and conditions. Then Tell me what the illegal activity in my account that they closed my account so i just want to know give me any valid proof that they have in my account so they closed. that a illigal action that they are closing accounts without any reasons.
|
| 01/19/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
Hi My complaint is against Wise ( formerly known as Transferwise ) Membership number XXXX Transaction Number : XXXX I have made my first transaction with Wise on XX/XX/2021 and the transaction failed. The payment was XXXX rupees ( XXXX $ ). they promised to refund it but right now its 38 days.
Wise is not responding to my emails or any tweets. I need help to recover my money
|
| 01/15/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
Hello Team, I did an international SWIFT USD transfer of XXXX XXXX ( incl. XXXX in fees ) through the TransferWise 's APP which in the end only received 1945 XXXX and paid nearly XXXX XXXX in fees which they never notice me as a customer during the whole process that such large fees can possibly occur. I have contacted the company by email and LiveChat resulted in no help
|
| 08/10/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
On XX/XX/2023 I used Wise Online Money Transfer to send {$3000.00} USD to XXXX XXXX of XXXX XXXX XXXX. The banking system he used was a US bank through Wise. The money was a deposit for a hockey season for my son to play, however, this man and his brother won't host a hockey season as promised. They are under investigation in the US and XXXX for over {$50000.00} dollars.
|
| 05/30/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
Hello, As owner of company I open Wise.com account on XXXX XX/XX/2023 and require me to paid {$31.00} after paid I send them my passport and my legal business papers, I receive email that my account is full verified I have linked with my stripe to start receive money Today my account has been closed without any reason!! and they say you can complaint on this website
|
| 09/28/2023 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Wrong amount charged or received
|
|
Web |
|
|
XXXX XXXX XXXX XXXX, I set up a XXXX transfer of XXXX from XXXX to XXXX to pay for a car, transfer number XXXX. The company account was correct but the car dealership give me the incorrect company name. Then the funds never arrived and to this date Wise has still not refunded the wire transfer. All this money somehow missing and Wise is not taking responsibility.
|
| 12/01/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
On XX/XX/2023, I submitted a money transfer ( XXXX USD ) from my XXXX Checking account to someone's business account in XXXX. I was paying for a tour. Wise.com says the amount is now in the business 's account on XX/XX/2023. It is now XX/XX/XXXX and Wise.com is not providing any tracing information and the business still has not received the money ( XXXX USD ).
|
| 09/24/2023 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I created a business wise account on XXXX XX/XX/2023 and then i put XXXX dollars in it to send money to my supplier but for no reason wise deactivated my account after that my money was kept by wise for 6 months Closed they gave me 30 working days every day made me wait 6 months but now I just want to know why they are not reactivating my Wise Business account.
|
| 08/30/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
The company called transferwise delayed my transfers for upto 3 weeks without any tangible reason. This caused the death of my XXXX XXXX XXXX brother in law that was under my care in the hospital. They closed my account due to my further complaints and a request for a compensation. They already know. They should remedy this situation before it goes out of hand.
|
| 09/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
TransferWise blocked the XXXX CONSULTING AND SERIVICES account after a received transfer of about XXXX XXXX without any reason or explanation. There is NO ACCESS to the account nor the balances and they did not responded back yet. The money received is for a PREPAID service we need to deliver in part to some vendors and the operation has been unable to be paid
|
| 06/27/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
On the XXXX XXXX, when transferring XXXX $ to XXXX on TransferWise, it will be XXXX until it's finished, after waiting until today, My account has been deactivated. site signs of appropriating money, my account was deactivated by no reason. TransferWise don't send any email about the completion then blocked my account for no reason.
Please give my money back
|
| 05/30/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
Its fraud company name is wise transfer i will made account in this application and i will pay XXXX usd of debit card payment and XXXX $ in my account but this company deactivate my account without my permission and I still haven't got my funds back yet they gave me 30 days time and I have not received my fund till now nor have I received any email from him.
|
| 10/20/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I have been using Wise for several years and this is the second time I am facing the issue, and in spite of my emails, they are not responding.
The funds have not been delivered to the beneficiary account. I have tried to reach out to the customer service of Wise, and haven't got my problem solved. I hope if CFPB could help.
At least, can they respond???
|
| 05/17/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
Company i have issue with : https : //wise.com/ Account registered under email XXXX Type of issue : They deactivated my account without reason. I have used it since XXXX, and for last 12 months using wise.com service as my virtual bank to recive payments of my busniess operations via USA based company in Wyoming.
They closed my account on XXXX XX/XX/XXXX.
|
| 11/22/2023 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I sent some money through wise to XXXX, XXXX since XX/XX/XXXX. I have been waiting for the money to be received. We decided to cancel the transaction after such a long waiting period. They refuse to recall or reverse the transaction. The recipient has been going to the bank to obtain the money and they cant locate the funds. The amount is {$1000.00}. O
|
| 09/04/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
- Other transaction problem
|
|
Web |
|
|
Transferwise.com deducted {$970.00} from my checking account on XXXX/XXXX/20 that I did not authorize. I have filed a claim with Bank XXXX XXXX but they can not provide documentation regarding how this transfer was done, who did it, where the money went, etc. I have also requested such information from XXXX and have yet to receive that information.
|
| 05/13/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
Trying to send money to XXXX relatives XXXX XXXX XXXX. Transfer has been held up for over three weeks, showing " We're running some checks. '' Customer service says this is standard and will take 10 business days at most, which have already passed. Refuses to furnish more details, unable to cancel. Looks like it'll be held up indefinitely.
|
| 03/21/2023 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
Servicemember |
|
I opened a wise account in XXXX. I've made several International wires and when I attempted to load XXXX from my business account TO the account for another transaction the funds were held. causing significant damage to my business.
They stated the funds would be available within 3-days then extended to the XXXX NOW the account is closed.
|
| 04/11/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Myself XXXX XXXX and my company name is - XXXX XXXX XXXX XXXX XXXX
Account holder : XXXX XXXX XXXX XXXX XXXX XXXX and Wire routing number : XXXX, Account number : XXXX with wise.com My account has been deactivated. I have been waiting for the remaining funds for the last 2 months but amount not received yet.
Thanks Regards XXXX XXXX
|
| 02/27/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
Older American, Servicemember |
|
Bogus wire transfer through Wise money exchange charged to my wife 's XXXX XXXX debit card. We do not have an account with Wise and you can only get customer service if you have an account. We cancelled the debit card and had it reissued, but there is still the charge that has to be resolved through complaint process ewith XXXX XXXX
|
| 12/30/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
Complaint about Wise Money Transfer online The first time they froze {XXXX and closed my account. After several attempts to contact them, they told me that my account had no money when they closed it.
And the second time they XXXX XXXX XXXX, and when I told them about this, they closed the account and did not respond to me again.
|
| 10/16/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Hi, I have had an account with Wise ( Wise Inc ) for 3 years. They asked me to provide some verification details, so I did, successfully.
They have still not unlocked my account and my {$2000.00} is being held for now 4 weeks. I am behind on rent because of this and wise are not taking responsibility.
Account : XXXX XXXX
|
| 02/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Wise financial institution decided to close my bank account with them. I filled out refund form and submitted it with my full refund to bank account information, my home address ( mailing address ) and a phone number. It has been more than XXXX weeks and I havent received any refund or a any sort of communication from them
|
| 08/18/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I've done a few transactions via transferwise. Second transfer a few months back Wise unfairly held my money and put me through hoops to get it back. This included vigorous identity verifications, horrible customer support and long waiting times. Nothing has been solved yet and my money is still on hold from this mafia.
|
| 06/17/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I have sent to XXXX XXXX XXXX XXXX XXXXUSD that should have arrived at XXXX XXXX. XXXX Branch, Beneficiary account number XXXX on XX/XX/XXXX, but the money never arrived at the destination. The Trace id of my transfer is XXXX.
Could you, please, inform me of the whereabouts of my transfer?
Please mail me at XXXX XXXX
|
| 03/06/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
I sent {$1000.00} USD from XX/XX/XXXXXXXX Wise 's partner ) to my Wise USD account on XX/XX/2021. On XX/XX/2021, XXXX sent me an email saying they were closing my USD account. Wise did not provide a reason why they were closing my account. Wise has said they will be holding my money for a minimum of 60 working days.
|
| 05/16/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Hi, My account was deactivated on XX/XX/2022 by the company, there is an XXXX USD worth balance kept in my account.
I didn't receive any formal notification or official letter from the company regarding the incident, and they did not provide me with any further explanation of how they deactivated my cash account.
|
| 02/16/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
Can not get the money in wise that was sent to my account. Already reach out for couple of times but still haven't got a resolution. Need the fund for my needs.. I am a verified account in wise. If they will not allow me to withdraw the money, much better to send it back to the sender XXXX XXXX XXXX XXXX XXXX XXXX
|
| 12/14/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Confusing or missing disclosures
|
|
Web |
|
|
My account with wise ( formerly wise transfer ) was deactivated and all efforts to get it activated back has been void. I need the account to be working cause I make use of the service to send funds to my love ones and family abroad.
So please I will be delighted if my complain is given attention Thanks XXXX XXXX
|
| 01/30/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
I had requested multiple times that I not receive my money as they closed my account but they never sent any money to my account or provided any proof of transaction record. Their appeal department has stopped responding to my email inquiries as that is the only way to contact this bank. they have stolen my money
|
| 02/15/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
Hi. I received to emails today XX/XX/2021 saying I created an account with Transferwise & that I sent money. I did neither of these things and this company has no contact info so I cant get into contact with anyone. My email used is XXXX. {$620.00} dollars was sent to someone named XXXX XXXX. This is fraud.
|
| 05/05/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Servicemember |
|
XXXX formerly Transferwise offers a multi-currency account as part of their services.
After transfering funds from my wells fargo account to my multicurrency wise account they deactivated my account. I have no access to the account and they are holding my money without any explanation. No refund yet.
|
| 05/13/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I transferred {$770.00} from wise to my local bank today XXXX XXXX. According to wise the money is already sent to my local bank but its not in there yet. It is almost XXXX hours from the time I transferred the money. It says the money will be transferred after XXXX minutes. But its still not here.
|
| 10/13/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
Servicemember |
|
I send money to my mom at XX/XX/2021, But until now my money not yet arrival, soppose to be if my number account wrong or name bank or the receiver wrong they can't send but my money they already take and when i sen email to then waiting until this coming XXXX,, Until now nothing respon any more
|
| 12/29/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Hello my name is XXXX XXXX right now I am working with a XXXX XXXX in XXXX my salary is XXXX XXXX I have uploaded all bank statements of my XXXX XXXX but wise rejected all now i am going to upload my compnay certificate which i working there i request to wise team please open my account
|
| 07/20/2023 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I transferred {$3000.00} to WISE to convert it in EUR for our coming vacation to XXXX, from XX/XX/XXXX to XX/XX/XXXX my bank already paid them and WISE is showing we have slight delay in our side, but the money should be on its way to us soon we are desperate for our money, please help.
|
| 06/29/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Confusing or missing disclosures
|
|
Web |
|
|
I operate a business I am a XXXX XXXX who buy my goods from XXXX however transfer wise decide to close my account because they couldnt fulfill My payments I definitely doesnt feel thats fair because I been doing business with these people for years all of sudden you shutting me down
|
| 03/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Older American |
|
Wise without any reasons have closed my account. They did not want to give a specific reason why they did it to me. I am starting my small business and clients are starting to learn my financial institution with them. Unfortunately, they closed it without any reasons or advice.
|
| 12/31/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
After explaining to the representative that my transfer is strictly legitimate and in addition I had the sender submit documents that they had full awareness of the transfer and details surrounding the amount they still deactivated my account without reasonable explanations.
|
| 02/28/2018 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Servicemember |
|
I used this service many times and had good results. Then one day they cancelled my account, refused to tell me the reason and will not send me my transaction record. I have contacted them many many times and always same answer, that its a secret why they cancelled me.
|
| 06/22/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Problem with customer service
|
|
Web |
|
|
Was supposed to relieve reimbursement from XXXX XXXX They used a company called Wise. They did the transfer 10 days ago and the money never hit my account. No one responds to inquiries via email and chat. Also you can not call. I think the whole operation is a scam.
|
| 01/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I just cant see how much I got in my closed account on transferwise.com ( personal and business ) in the login XXXX because they just closed the account with an automatic answer saying " aftwer reviewing your account we decided to keep it desactivated ''.
|
| 04/26/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
I sent money to the wrong bank details i have made a monet transfer from my wise account to a recepeint wise account but i made a mistake the account number should be 10 digits but me i forget one digit in the end.
my membership number is : XXXX
|
| 04/30/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
I never use TransferWise for sending money internationally. Today I noticed two transactions of {$200.00} USD each debited from my checking account by the company. I tried to report this problem to their help center, but they redirected me here.
|
| 07/23/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
On XXXX XXXX XXXX inr has been transferred by wise Their receipt shows that it was done by I had not got money yet I contacted my Bank customer regarding the same and even given them enough proofs but not use They said contact from other end
|
| 06/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Hi I was applied for wise account, the account was verified and I was order the card but after some time my account was deactivated when I try to appeal they are saying that you can't appeal.
Kindly help me to resolve my issue.
XXXX XXXX
|
| 01/06/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
XXXX close my account. I have money in this company account. They toll me about a rebound of this money, but never arrive to my account, I cant check nothing because my account is close. They send me a link but I cant do nothing there.
|
| 05/20/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Confusing or missing disclosures
|
|
Web |
|
|
I recently got my account suspended for no good reason on this company I did a transact of XXXX ( {$5000.00} ) with a friend in the USA in exchange of wire in USD which was successful but a weeks a later I got my account suspended
|
| 11/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
I deposited a large amount into my account and requested they deposit it back to my normal banking account but they told me my account have been deactivated.
This have been going on for 3 weeks and I need my funds returned.
|
| 07/04/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
My account on wise was deactivated without any prior notice and any other thing, my payment from the XXXX was on its way to wise account and they deactivated my account and there is no sign of any reply or notice from them,
|
| 07/25/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Wise online banking after 5 year being theirs client and doing transaction and paying taxes they just decided in desactive my account sine XXXX 22. The most problem is that they kept my money and never give me back.
|
| 08/02/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
On XX/XX/XXXX, a transfer was made through wise.We wrote to the support service.But they claim that the money was sent to the beneficiary 's bank.Although the recipient 's bank claims that the money did not come.
|
| 02/08/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Problem with customer service
|
|
Web |
|
|
I have setup XXXX Account to receive payments but when customers are trying that XXXX account email address system says email not found.
Raised this issue with XXXX but got not response and issue is still there.
|
| 06/19/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
I XXXX XXXX XXXX ( XXXX ) opened a account to send money international but they closed the account without any prior information. also not able to reactivate account.
XXXX XXXX XXXX : Wise Email : XXXX XXXX
|
| 08/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
Had used wise.com to pay technician contractors. Wise.com closed account without warning and no explanation. Submitted request for explanation. None was given. Disrupted our relationship with our contractors.
|
| 02/05/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
https : //wise.com/ this is a website, and this is the email to make the account : XXXX. I sent to them all documents then they closed my account. i want to reopen my account but they are not replying to me.
|
| 03/29/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
I initiated 2 transactions via TransferWise Ltd XXXX Transaction 1 : XX/XX/120 USD Transaction # # XXXX Transaction 2 : XXXX Monday XXXX USD Transaction # XXXX Recipient : XXXX XXXX Recipient Country : XXXX
|
| 01/12/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
I was notified on XX/XX/2023 that my account was closed, with no reason given. I filed an appeal, and received an immediate response saying the same thing. I have never used my account for illegal purposes.
|
| 11/04/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
On XXXX XXXX, 2020, I wire transferred an amount of XXXX USD from XXXX to transferwise.com. But on XXXX XXXX, 2020, it refused the transfer and started refunding.
Until now, I have not received the refund.
|
| 05/16/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
Wise closed my account without any explaination or request for any information to clarify whatever issue they identified.
I was not advised of the issue I found out when trying to access my funds.
|
| 07/19/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I am not getting amount of {$300.00} from the XXXX XXXX though he has paid via wise. He has made two transactions : XX/XX/2021 -> {$150.00} -> Trace ID XXXX XX/XX/2021 -> {$150.00} -> Trace ID XXXX
|
| 01/30/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
My wise got deactivated last month I have my funds in them but they didnt give me my funds back. I appealed them but they didnt give any satisfactory response. and said they wont give me my funds.
|
| 02/10/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
wise XXXX has closed my account for no reason, when i try ask them and send many mails no one answer, my account been created long time, and all was good until now, they close it for no reasons.
|
| 03/19/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
TransferWise has scammed me. They have blocked my account and they didn't back my money. They sent me fake wire transfer proof. It is not my account number. Please help me in this case
|
| 07/10/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
Company opened a personal account for me, and denied opening my business account. I'm not complaining about that, but they proceeded then to close my personal account without reason.
|
| 08/01/2023 |
No |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Account with TransferWise Inc. was opened a couple years ago. After customer transferred money to account, they decided to close our account. So, we don't have access to our money.
|
| 01/14/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
An unauthorized wire practices with the intention of collecting on a debt the business with not otherwise authorized to collect.
( SEE ATTACHMENT ; DETAILS, EXHIBITS )
|
| 11/03/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I have an account of 'Wise ' and I found the account was deactivated and closed suddenly. I could send money 10 days ago and after that I haven't logged in the account.
|
| 08/15/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
|
wise.com a money transfer service disabled my account and did not paid my money that was in my account. The refused to reactive my account and did not refund my money.
|
| 05/19/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
- Other transaction problem
|
|
Web |
|
|
My Business Wise account deactivated. it has the balance {$500.00} so I requested to refund the balance to the sender but they refused. Totally they stole my money.
|
| 05/26/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
I have created the account on XXXX and they have deactivated my account without any notice or reason. I have received the attached email then my account is blocked.
|
| 02/17/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
Took funds out of my account on Wednesday evening.
It Friday evenibg & they are holding my funds.
So I fo not have the funds.
And neither does the recipiant
|
| 06/02/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
I had to make a transfer to the account of one person, and the money went accidentally to a completely unknown account at the moment the company can not help me
|
| 11/11/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
They closed my account transferwise, I don't have access to the money I have there and they give me a very long time to return the money to my XXXX account.
|
| 02/13/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
Transferwise closed my account on XX/XX/2023 and denied my appeal and is refusing to refund the XXXX usd in my account.
Attached is the XXXX they stole
|
| 08/07/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Confusing or missing disclosures
|
|
Web |
|
|
I transfer XXXX USD to my account on XXXX but I put the wrong account number. Since they didn't deposited the amount yet I want to change the account.
|
| 09/06/2022 |
No |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
My account with " transfer wise '' was close by wise team on XXXX and it has XXXX USD in it.
I have appeal to send me back but never received back
|
| 07/10/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
My Wise Account was closed without a notice and That is what I used for my Tax Refund to be deposited into. Please I need my Account Reactivated
|
| 07/20/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
The money I transferred from wise money transfer agency on XX/XX/2022 to my accounts in XXXX was not reached as per the schedule
|
| 01/30/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have my funds in wise account they have blocked my account without any reason and didnt giving me my money back
|
| 11/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
hi I was robbed and defrauded by transferwise.com company he closed my account and refuse refund my money
|
| 09/01/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
My transferwise account was deactivated on XX/XX/XXXX, I have a balance of approximately {$770.00}
|
| 05/20/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
I had transferred XXXX dollar to my XXXX account it's said successful but i haven't received yet.
|
| 05/07/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Confusing or missing disclosures
|
|
Web |
|
|
My wise account has been closed without notice yet I had been sent money for family support
|
| 04/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
My account was deactivated with wise and the monies that was in there ahas dissappeared
|
| 02/13/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
Sent a wire for XXXX to wise they canceled transaction and refuse to refund money
|
| 12/06/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
My Transferwise account was terminated without explanation. My appeal was denied.
|
| 06/15/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
|
- Problem with customer service
|
|
Web |
|
|
I want to cancel my transaction,, and then come back to my money
|
| 03/22/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
My account was deactivated after they confirmed my documents
|
| 02/13/2024 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 02/10/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Confusing or missing disclosures
|
|
Web |
|
|
|
| 02/09/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
|
| 02/08/2024 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 02/08/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 02/07/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Trouble accessing funds in your mobile or digital wallet
|
|
Web |
|
|
|
| 02/07/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 02/06/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 01/16/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Phone |
|
|
|
| 01/12/2024 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 01/11/2024 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 01/08/2024 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
Servicemember |
|
|
| 01/08/2024 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 01/06/2024 |
No |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
|
| 01/05/2024 |
No |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 01/05/2024 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 01/04/2024 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 01/04/2024 |
No |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Confusing or missing disclosures
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Trouble accessing funds in your mobile or digital wallet
|
|
Phone |
|
|
|
| 01/03/2024 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 12/30/2023 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 12/29/2023 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 12/29/2023 |
No |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Problem with customer service
|
|
Web |
|
|
|
| 12/28/2023 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
|
|
|
| 12/27/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 12/21/2023 |
No |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Trouble accessing funds in your mobile or digital wallet
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
Older American |
|
|
| 12/20/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Problem with customer service
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 12/20/2023 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Older American |
|
|
| 12/18/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
- Other transaction problem
|
|
Web |
|
|
|
| 12/15/2023 |
No |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
|
|
| 12/12/2023 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 12/11/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 12/08/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 11/29/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Phone |
|
|
|
| 11/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 11/25/2023 |
No |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Problem with customer service
|
|
Web |
|
|
|
| 11/24/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 11/23/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 11/22/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 11/22/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 11/20/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Confusing or missing disclosures
|
|
Web |
Older American |
|
|
| 11/20/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Phone |
|
|
|
| 11/18/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 11/17/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 11/17/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
- Other transaction problem
|
|
Web |
|
|
|
| 11/14/2023 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Wrong amount charged or received
|
|
Web |
|
|
|
| 11/08/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Trouble accessing funds in your mobile or digital wallet
|
|
Web |
|
|
|
| 11/07/2023 |
No |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Confusing or missing disclosures
|
|
Web |
|
|
|
| 11/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
|
|
|
| 11/03/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Phone |
Older American |
|
|
| 10/28/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Trouble accessing funds in your mobile or digital wallet
|
|
Web |
|
|
|
| 10/27/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 10/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 10/25/2023 |
No |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Phone |
|
|
|
| 10/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 10/24/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Phone |
|
|
|
| 10/24/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
|
| 10/23/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 10/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Electronic communications
- Contacted before 8am or after 9pm
|
|
Web |
|
|
|
| 10/18/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 10/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 10/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/10/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
|
|
| 10/10/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 10/10/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 10/08/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 10/06/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Phone |
|
|
|
| 10/05/2023 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 10/04/2023 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 10/03/2023 |
No |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Trouble accessing funds in your mobile or digital wallet
|
|
Web |
|
|
|
| 10/02/2023 |
No |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 09/27/2023 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 09/20/2023 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 09/16/2023 |
No |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 09/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 09/12/2023 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 09/11/2023 |
No |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Confusing or missing disclosures
|
|
Web |
|
|
|
| 08/31/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
|
| 08/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
|
|
|
| 08/25/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Problem with customer service
|
|
Web |
|
|
|
| 08/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
Servicemember |
|
|
| 08/20/2023 |
No |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 08/17/2023 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 08/16/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
|
| 08/15/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 08/15/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 08/14/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 08/14/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Servicemember |
|
|
| 08/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 08/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 08/11/2023 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 08/10/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
|
|
| 08/01/2023 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 07/27/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
|
|
| 07/27/2023 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 07/24/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Servicemember |
|
|
| 07/21/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 07/20/2023 |
No |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
|
| 07/20/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
|
|
| 07/14/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Servicemember |
|
|
| 07/12/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 07/03/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Phone |
|
|
|
| 06/29/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 06/18/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 06/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 06/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 06/15/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
|
| 06/12/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 06/09/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 06/02/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 05/28/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 05/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 05/22/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 05/11/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
|
| 05/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 05/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 05/01/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Phone |
|
|
|
| 05/01/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 04/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 04/15/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 04/13/2023 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 04/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 04/06/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Confusing or missing disclosures
|
|
Web |
|
|
|
| 04/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 03/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 03/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 03/15/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
Servicemember |
|
|
| 03/15/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
|
| 02/26/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 02/21/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 02/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 02/10/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 02/06/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
|
| 02/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 01/30/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
|
|
| 01/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
|
|
|
| 01/21/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 01/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 01/17/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American |
|
|
| 01/17/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Phone |
|
|
|
| 01/13/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Referral |
|
|
|
| 01/09/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 01/08/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
Servicemember |
|
|
| 01/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 12/24/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
|
| 12/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/19/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
|
|
| 12/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 12/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web Referral |
|
|
|
| 12/10/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 12/06/2022 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Phone |
|
|
|
| 12/05/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 12/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 12/02/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Confusing or missing disclosures
|
|
Phone |
|
|
|
| 12/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Servicemember |
|
|
| 11/11/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
|
| 11/08/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Phone |
|
|
|
| 10/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 10/27/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 10/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 10/14/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 10/04/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
|
|
| 10/03/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 10/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 09/28/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 09/18/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 09/15/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 09/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 09/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 09/07/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 08/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 08/29/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
Servicemember |
|
|
| 08/24/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 08/24/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 08/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
|
| 07/25/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 07/20/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Problem with customer service
|
|
Web |
|
|
|
| 07/15/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Referral |
|
|
|
| 07/13/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
|
| 07/09/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 06/27/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 06/20/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 06/20/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 06/16/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 06/06/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 06/02/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Phone |
|
|
|
| 05/25/2022 |
No |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 05/19/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 05/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 05/13/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 04/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/22/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 04/12/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
|
| 04/05/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 03/31/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 03/28/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
|
|
| 03/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Phone |
|
|
|
| 03/22/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Phone |
|
|
|
| 03/15/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
- Money was not available when promised
|
|
Phone |
|
|
|
| 03/10/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 03/10/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 03/05/2022 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 03/05/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 03/03/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 02/28/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 02/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Phone |
|
|
|
| 02/24/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 02/02/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
|
|
| 01/21/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 01/19/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
|
|
|
Web |
|
|
|
| 01/18/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
|
| 01/14/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 01/11/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Referral |
|
|
|
| 01/07/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Referral |
|
|
|
| 12/29/2021 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 12/22/2021 |
No |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 12/03/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Older American |
|
|
| 11/13/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 11/09/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
Older American |
|
|
| 11/09/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 09/30/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 09/14/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 09/02/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
|
| 08/12/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
Older American |
|
|
| 08/03/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 07/27/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 07/21/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 07/12/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 07/01/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 06/29/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 06/23/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Older American |
|
|
| 06/22/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 06/06/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 05/28/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 05/21/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
|
| 05/14/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 03/29/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 03/26/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Confusing or missing disclosures
|
|
Web |
|
|
|
| 03/03/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 02/18/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 02/08/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 02/04/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Referral |
|
|
|
| 01/31/2021 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 01/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
|
|
|
| 12/29/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 12/24/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 12/03/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 12/01/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 11/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 11/24/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 11/11/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 11/10/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 10/23/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 10/19/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
Servicemember |
|
|
| 10/17/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 10/06/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Problem with customer service
|
|
Web |
|
|
|
| 09/17/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Phone |
Servicemember |
|
|
| 09/01/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 08/25/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 08/24/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 07/27/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
Older American |
|
|
| 07/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 07/14/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 07/10/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 06/25/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 06/10/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 06/09/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 05/30/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 05/29/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
|
|
| 05/25/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 05/20/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 05/15/2020 |
No |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Phone |
|
|
|
| 04/27/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 04/23/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Referral |
|
|
|
| 03/31/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 03/22/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 03/12/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Phone |
|
|
|
| 01/16/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 11/07/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 10/15/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 08/27/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 08/23/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Referral |
|
|
|
| 08/19/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
|
- Problem with customer service
|
|
Web |
|
|
|
| 08/12/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 08/12/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 08/06/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 06/24/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
- Problem with customer service
|
|
Web |
|
|
|
| 04/04/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 01/31/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Servicemember |
|
|
| 12/28/2018 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Phone |
|
|
|
| 09/25/2018 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 10/31/2017 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 08/11/2017 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 08/10/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 06/28/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 06/23/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|