Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: FL

Complaint narrative:
I am submitting this complaint against Abound regarding a severely delayed and unresolved international remittance for which the funds have not been received even after 18+ days, despite the transaction being marked as Delivered by the company. The issue involves misleading transaction status, lack of transparency, failure to provide customer support, and financial as well as mental hardship caused by the companys actions and inaction. 

On XX/XX/XXXX, I initiated an international remittance through the Abound mobile application in the amount of USD XXXX, under Transaction/Reference ID : XXXX. According to the conversion rate and fee disclosure provided within the app, this amount was promised to be delivered as XXXX  XXXX to my own bank account at XXXX XXXX XXXX, XXXX. 

At the time of initiating the transfer, Abound indicated that the transaction would be completed between XX/XX/XXXX and XX/XX/XXXX. However, the expected delivery date later changed without clear justification, and the transaction continued to show as In Process for several days. 

On XX/XX/XXXX, the transaction status in the Abound app changed to Delivered. Upon verifying with my destination bank account, no funds were credited. I immediately contacted Abounds customer support to report that the transaction was incorrectly marked as delivered despite non-receipt of funds.

After multiple attempts to follow up, I received a response on XX/XX/XXXX, requesting my destination bank statement covering the period from the transaction date onward. I provided the requested bank statement on the same day, which clearly proves that no such remittance was received. 

Since submitting the bank statement, Abound has completely stopped responding. I sent a follow-up email on XX/XX/XXXX, but as of XX/XX/XXXX, I have received no response, no explanation, no resolution, and no proof of delivery. 

For clarity, my interactions with Abound support occurred on : - XX/XX/XXXX Inquiry regarding delayed processing - XX/XX/XXXX Reported false Delivered status - XX/XX/XXXX Submitted destination bank statement as requested - XX/XX/XXXX Follow-up email due to lack of response - No response received thereafter This situation has caused significant financial disruption and mental distress. The funds were urgently required at the destination for time-sensitive needs. The failure to deliver on timecombined with falsely marking the transaction as deliveredcaused delays in planned financial obligations and resulted in ongoing stress, frustration, and mental anguish.

I am also deeply concerned that Abound may be holding customer funds for extended periods, potentially benefiting from them through interest or other means, while misrepresenting transaction status to consumers. Marking a transaction as Delivered when no funds have reached the destination bank is misleading and unacceptable.

I have retained all supporting evidence, including transaction confirmations, app screenshots, destination bank statements showing non-receipt, and email correspondence with Abounds support team.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation