Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: GA

Complaint narrative:
XXXX XX/XX/XXXX : transaction made to XXXX XXXX XXXX XXXX in the amount of {$400.00}. XXXX XX/XX/XXXX : transaction made to XXXX XXXX XXXX XXXX in the amount of {$600.00}. What happened here was an annoying kind of scam : Business offers a specific service, is paid for that service, and fails to deliver such a service. Red flags only hit right after the second transfer, after which I contacted XXXX demanding a full on refund. After " promising '' to get back to me the next day, XXXX did not return any calls and ghosted the line. Someone else ( unknown name/source ) from within the same department area knew what was going on, and gave me the warning and instruction to file chargeback with my back, assuring me this was a scam. Phone records can later be pulled to provide this evidence. Unfortunately, my bank ( the one attached to Wise Bank ( the XXXX party interest ) ), took out this charge back on Wise instead of the scammer. Wise wants me to pay them the total {$1000.00} to reconcile. Fair, so I contact Wise to file the charge back correctly, the way it should have been done the first time. I gave Wise EVERYTHING they would need to complete the charge back. I filed a scam report through their application service, made several complaints and calls, and provided the following on the recipiant ( scammer ) : Full name ( as listed in the Wise Bank statement ) : XXXX XXXX XXXX XXXX ; Their account and routing number, bank address ( XXXX listed ), XXXX number, and the contact number details. Despite giving them an absurd amount of evidence that this individual was using Wise to scam others, and providing evidence that XXXX had owed me this money, not the other way around, Wise Bank continues to side against me, the victim, and demands I pay them the money that I recovered. It is too unlikely that XXXX will refund the money himself ( because duh, why would he? ). This puts me in a terrible position as a person, and now ex-customer of Wise bank, because not only was I scammed out of this money, Wise basically wants to screw over their own customer and side with the scammer, demanding the same amount be returned to a now dead bank account. I, have thus far personally refused. Why would I have to pay money to something that I should not technically owe? I gave Wise every detail that they needed to credit the money in my account by debiting away the money in XXXXXXXX XXXX account ( whom is an active Wise user to date ), so there is no technical reason why they can not perform the operation ; they simply refuse to. Therefore, this CFPB complaint is one being made against XXXX parties, one unknown party, XXXX, whose " business contact '' details are still unknown ( Wise either can not or will not provide them ), and Wise Bank itself, for bullying their own users and making threats of lawsuits and garnishments, siding with scammers. At the very least, my evidence is enough to prove that Wise Bank, as an online app service, will not take the side of customers who are wrongfully scammed or have money taken away from them. Wise refuses to help me when they have every necessary means and tools to do so ; any other bank I have ever used would not have this kind of problem. Currently, I am unaware how this might affect my credit, but it should not leave a negative impact on such a score, because I still attest that I do not owe either party money. I did my best attempt of research to learn anything about XXXXXXXX XXXX business information, but it was a blank ghost chase, which in itself is more red flags to the fact that he is a likely scammer. Contacts for the services he offered were provided only after payment, contracts which by the way, I never signed in any format. Additionally, I had previously instructed XXXX to hold off on fulfilling any action with any further steps until such could be provided, and by the time they were, this is when I got that alert call and demanded a refund, which was denied, ( under his pretext of already starting the service ), which I told him not to do, and which was never legally signed off on. The point of this statement is simply, if XXXX does indeed work for a legitimately registered company, whether in the XXXX or overseas, the company in question should become the primary target of this complaint and scam investigation. I wanted to make it so, but those details are unfortunately scarce, and Wise doesn't seem to know it either. If I had more information into such a process, I should be able to divert litigation directly against that company. Instead, I can only draw my hand to Wise, as a service, a service which does not care if money is stolen from its own customers and will more often side with any scammer or any party that make fraudulent transactions. If any public eyes can view this report, please, DO NOT use Wise bank. If you have an account with Wise, get your money out of there and entrust it to another bank or other savings apparatus. Wise has lost any credibility and respect from me, and I will publicly black list them going forward.

Company response to consumer: Closed with explanation