Product: Money transfer, virtual currency, or money service

Edit this section What happened? 
-- -- - Forwarded Message -- -- - From : XXXX <XXXX> To : XXXX <XXXX> ; XXXX XXXX <XXXX> ; XXXX XXXX <XXXX> ; XXXX XXXX <XXXX> Cc : XXXX <XXXX> Sent : Thursday, XX/XX/XXXX, XXXX XXXX  MST Subject : Deposit of XXXX funds TO : XXXX XXXX, XXXX CEO XXXX XXXX FROM : XXXX XXXX I XXXX, XXXX, XXXX, XXXX CC XXXX XXXX XXXX , Attorney at Law Good evening XXXX XXXX , I appreciate that you are quite a busy person and will endeavor to be brief : By way of introduction, I am XXXX XXXX, an Arizona XXXX, and a very long-term customer of XXXX. As a XXXX, I have borrowed six figures with XXXX to finance expansion of my former practice in XXXX. I buy and sell properties, as well as loan on properties in Arizona, and regularly wire and deposit six-figure amounts in my accounts. I have also had a first mortgage with XXXX on a home in XXXX, and currently have two separate lines of credit totaling about {$340000.00} which are auto-debited. I have never been delinquent, and I have made XXXX quite a bit of money as an individual/single member LLC. I need your assistance sir. OnXX/XX/XXXX, I spoke with XXXX XXXX at the XXXX branch office, and deposited a check in the amount of {$170000.00} CAD. This check was drawn on XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX and represented the final payment of my deceased aunt 's estate. XXXX XXXX mentioned that it could take up to 8 weeks for the money to be credited to my account. On XX/XX/XXXX, the check was returned by OFAC, and I was asked by XXXX XXXX if I wanted to send it through again. As I had committed to numerous engagements in California for the month of XX/XX/XXXX, I asked him to process it. This check was confirmed received by your intermediary, Western Union, on XX/XX/XXXX. I discussed with XXXX XXXX the possibility of a personal appearance by me in XXXX to execute a wire, as the option of returning the check to the executor of the estate in XXXX to wire funds to me ( without my personal appearance ) was denied by the branch manager, XXXX XXXX. I truly believed that, at the latest, 8 weeks from XX/XX/XXXX would be exactly XX/XX/XXXX - 5 days after my return from California. XXXX XXXX corrected me last month, and indicated 8 weeks would be from XX/XX/XXXX, the date Western Union received this check. Accordingly, that places the expiration of 8 weeks on today 's date, XX/XX/XXXX, and I do not have my funds. My impression of this entire process XXXX XXXX, is that no one is accountable, nor is anyone in this chain taking responsibility for the transfer of my funds. I have spoken with, and emailed to both XXXX XXXX and XXXX XXXX in XXXX domestic collections in XXXX, and there is a manager at Western Union named XXXX involved. I understand that this check has been presented to XXXX XXXX, however, I received an email from branch manager XXXX XXXX in XXXX, indicating that their back office has not received this check. As I am not able to speak with Western Union, and as XXXX has indicated that XXXX does take XXXX business days to process payment, I have no idea when my long overdue funds will arrive. At this point XXXX XXXX, I am suffering from the lack of these expected funds, and there is a lost opportunity cost for me now to consider. Is it possible for you to find out exactly the current status of this check, and when it will show in my account? I imagine that XXXX answers to regulators, and that there are also federal and state laws to consider in these transactions. I can assure you that I am not a litigous person, and I imagine that you would wish to limit XXXX 's exposure as well. Thank you in advance for your time and consideration. XXXX XXXX XXXX I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 







Edit this section What would be a fair resolution to this issue? 
Immediate payment of long overdue funds. Payment of interest at prevailing rate for one month due to delay. Payment of any monetary damages that could be due for falsely claiming that this process could take up to 8 weeks, and now has exceeded this time. 

Edit this section 1 attachment Remit letter.pdf ( 45.4 KB ) Step 4