Consumer complaint received 2024-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TapTap Send Inc.
State: PA

Complaint narrative:
Subject : Formal Complaint Against Tap Tap Transfer Dear Sir/Madam , I am writing to formally lodge a complaint against Tap Tap Transfer , a money transfer service provider, regarding a transaction that I initiated through their mobile application. The details of the transaction are as follows : - **Transaction Date : XXXX/XXXXXXXX  - **Transaction Amount : {$92.00} - **Recipient : XXXX XXXX XXXX XXXX XXXX ID : XXXX Despite initiating the transaction and receiving a confirmation from Tap Tap Transfer, the intended recipient has not received the funds. I contacted Tap Tap Transfer immediately to resolve this issue, but to date, they have refused to take responsibility or provide any satisfactory resolution. Furthermore, they have ceased responding to my emails and have restricted my access to their platform. 

This conduct by Tap Tap Transfer is unacceptable and potentially fraudulent. As a consumer, I believe my rights under U.S. law have been violated. I would like to bring your attention to the following laws that protect consumers transmitting money : 1. **Electronic Fund Transfer Act ( EFTA ) : ** Under the EFTA , consumers are protected against unauthorized transactions and errors. Financial institutions are required to investigate and resolve any reported errors promptly and fairly. Tap Tap Transfer 's failure to respond and restrict my access appears to violate these protections.

2. **Remittance Transfer Rule ( Regulation E ) : ** This rule provides specific protections for consumers who send remittance transfers, including the right to error resolution and cancellation. According to the rule, remittance transfer providers must investigate reported errors and remedy them within 90 days. Tap Tap Transfer 's lack of response and remedial action is in direct violation of this rule.

3. **Federal Trade Commission Act ( FTC Act ) : ** The FTC Act prohibits unfair or deceptive acts or practices in or affecting commerce. Tap Tap Transfer 's refusal to address the issue and their subsequent restriction of my access to their platform constitutes an unfair practice.

Given the above violations, I request that your agency take immediate action to investigate this matter and compel Tap Tap Transfer to : 1. Refund the full transaction amount to me if the recipient can not receive the funds.

2. Provide a detailed explanation of the failure and the steps taken to prevent such issues in the future.

3. Restore my access to their platform and respond to all my previous communications.

Please find attached copies of all relevant correspondence with Tap Tap Transfer, as well as any other supporting documentation.

I appreciate your prompt attention to this serious matter and look forward to your response. If you require any additional information or documentation, please do not hesitate to contact me.

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation