Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: AZ

Complaint narrative:
On XX/XX/XXXX I was paid {$5000.00} and funds we delivered to Wise.com. I then initiated a connection to my personal account at XXXX via wise.com system which uses XXXX. They system asked me to login to my chase account via plaid within the Wise webpage in order to connect and secure my account connection. I initiated a transfer of {$5000.00} to myself which after fees would be {$4900.00}. I was told these funds would likely arrive within XXXX hours but could take XXXX hours. I have still as of today XX/XX/XXXX never received the funds. These funds are crucial to my family basic needs and survival. On XX/XX/XXXX I notified Wise that the funds were not received. I was instructed that I could download a copy of the transmit receipt from their website. Upon download I noticed that the routing number was correct but the account number was truncated down from 9 digits to 6 digits. I then called XXXX to see if they could track or identify an incoming transfer or attempted transfer. At that time and in the subsequent 10 business days ( I called every day ) and XXXX could not find any record of a transfer to them or an attempted transfer to them. XXXX has done an extensive investigation and show now funds from Wise to me at any time or any attempt from Wise to send funds to XXXX on my behalf. 
On XX/XX/XXXX Wise indicated that if the funds do not arrive in my chase account then chase would send the funds back within 3 business days. Excluding the Holidays that would have meant that funds would be back to Wise for my by XX/XX/XXXX. XXXX also confirmed that funds would have been returned to Wise. As of XX/XX/XXXX Wise has indicated that they have not received my funds back. On XX/XX/XXXX Wise asked me if I would like to initiate a recall of the funds. I agreed to the recall. I was also informed that there is no guarantee that i would receive my funds and that it could take up to 30 days to even know what the status is. On XX/XX/XXXX I asked wise if they had any other internal tracking or trace numbers that I could utilize in an attempt to track the funds. I was given two different possible numbers. I promptly contacted XXXX and asked them to see if they could track anything. They did another extensive search and indicated that the numbers are not attached to any incoming or possibly past incoming transfers to chase from wise or any other entity. 

I can not wait for these funds to take 30 days to rightfully delivered or never delivered. Everyday since XX/XX/XXXX I have inquired via phone and email with Wise for an update on status or action taken In 14 business days I have not received any new valid information since day 1. I have been told I may not get paid my money. I have not been told what action has been taken on the part of Wise to track my funds. I have filed a formal complaint within Wise and have escalated the file multiple times with no new results. I believe that Wise is attempting to scam me out of my money and has no intention of delivering my funds. I am desperate for assistance in resolving this matter immediately so that i can keep my family housed and fed.

Company response to consumer: Closed with explanation