Consumer complaint received 2023-11-16
Company: TransferWise Ltd
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
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made for the following amounts and date, these were all made in thai bath currency at XXXX XXXX, XXXX : Transaction 1 : Withdrawn XXXX XXXX   at XXXX Transaction details When XX/XX/XXXX at XXXX XXXX  Where XXXX XXXX , XXXX Which card XXXX Authorised via Chip and PIN Conversion details USD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 # XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX Transaction 2 : Withdrawn XXXX THB  at XXXX Transaction details When XX/XX/XXXX at XXXX XXXX Where XXXX, XXXX Which card XXXX Authorised via Chip and PIN Conversion details USD Amount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 # XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX Transaction 3 : Withdrawn XXXX THB XXXX XXXX XXXX Transaction details When XX/XX/XXXX XXXX XXXX XXXX  Where XXXX XXXX, XXXX Which card XXXX Authorised via Chip and PIN Conversion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 # XXXX XXXX XXXX XXXX Transaction XXXX : Withdrawn XXXX THB XXXX XXXX XXXX Transaction details When XX/XX/XXXX at XXXX XXXX  Where XXXX XXXX, XXXX Which card XXXX Authorised via Chip and PIN Conversion details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 # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transaction 6 : Withdrawn XXXX THB XXXX XXXX XXXX Transaction details When XX/XX/XXXX at XXXX XXXX  Where XXXX XXXX, XXXX Which card XXXX Authorised via Chip and PIN Conversion details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.

Company response to consumer: Closed with explanation