Consumer complaint received 2021-05-14
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2021 I arranged for money to be sent as shown below to the XXXX by Western Union, something that I have done monthly for around 8 years. Normally the money is sent and available within minutes for the receiver. However, this morning XX/XX/2021, I received an email saying that the money would not be available for pickup until XX/XX/2021, instead of within minutes, an hour, or even a day. This is evidently a scheme used to hold onto and use money in an unauthorized way. So I checked my bank to see if they had started the process by attaching to my funds in my checking account. They had not. So I immediately called and had the transaction canceled. I warned them to not try to attach to and hold up my funds as I was aware that my bank had not yet gotten a request for the funds. I checked the bank again after I got off the phone with her and still nothing attached to at my bank. A few hours later I checked again, and although the transaction had been canceled, they had attached to the funds. Evidently, they wish to use the value of my funds for a period of time. This was not only unauthorized, I forbade them from doing this, and they still did so. To follow is the tracking number and other details of the transaction for money from my checking account at XXXX XXXX to be sent to the XXXX that was later canceled. 

A night, Your money 's been sent. It will be ready for pick up on XX/XX/2021. 

XXXX XXXX XXXX will need to bring a government-issued photo ID and the tracking number ( MTCN ) to pick up the XXXX XXXX you sent. Your Final Receiver can pick it up at any agent location in the expected payout location. You can also track the progress of your transfer using your MTCN. 

Need help? Chat online or call us toll free XXXX at XXXX. 

Download our app and get real-time status updates on your transfer. 

Thanks for using Western Union. 

For a mobile transaction, this is your receipt. For all other transactions this is a summary of your online receipt. 

Your tracking number ( MTCN ) is : XXXX Date of transactions : XX/XX/2021 XXXX ET. 
Sender : Name : XXXX  XXXX Address : City : State : GA ZIP Code : Country : UNITED STATES Phone Number : Final Receiver : Name XXXX XXXX  XXXX XXXX : GMA State : CV ZIP Code : XXXX Country : XXXX XXXX Number : Expected Foreign Country Payout Location : XXXX, XXXX, XXXX Payment Information : Bank name : CHECKING Account ending in : XXXX Routing number : XXXX Account Type : CHECKING Payout Information : Today 's Date : XX/XX/2021 Date available in Final Receiver 's Country : XX/XX/2021 Delivery Method : At any agent location in Final Receiver 's expected foreign country payout location. 



Billing Summary : Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Promotion Discount : - XXXX USD Total : XXXX USD Transfer Summary : Transfer Amount : XXXX USD Total to Final Receiver : XXXX USD For all transfers, Final Receiver may receive less due to foreign taxes. For transfers to a bank account, Final Receiver may also receive less due to fees charged by the FinaXXXX Receiver 's bank. 

You have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days of the date we promised you that the funds would be made available to the Final Receiver at XXXX or https : //www.westernunion.com/us/en/customer-care.html. You can also contact us for a written explanation of your rights. 

Subject to applicable law, you may cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited. 

For inquiries or comments, please visit https : //care.westernunion.com/us/en/ask, e-mail Western Union or write to : Western Union XXXX XXXX XXXX  XXXX, XXXX, CO XXXX or call : XXXX For questions or complaints about Western Union, contact : XXXX  Western Union Holdings , Inc. All rights reserved

Company response to consumer: Closed with explanation