Consumer complaint received 2018-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I received a confirmation to my XXXX email on XX/XX/XXXX  at approximately XXXX XXXX regarding a confirmation for a transfer that I supposedly made to XXXX via Western Union.

The original message is below : XXXX XXXX XXXX, Your money transfer 's complete.

XXXX XXXX  will need to bring a government-issued photo ID and the tracking number ( MTCN ) to pick up the XXXX USD you sent. Your receiver can pick up cash only at a location in the receiver 's state. You can also track the progress of your transfer using your MTCN.

Need help? Chat online or call us toll free 24/7 at XXXX.

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.

Transaction Date : XX/XX/2018 XXXX  ET Sender : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX City : XXXX  XXXX State : NY ZIP Code : XXXX  Country : UNITED STATES Phone Number : XXXX Receiver : Name : XXXX XXXX City : XXXX State : XXXX ZIP Code : XXXX   Country : XXXX Expected Payout Location : XXXX, XXXX, XXXX Payment Information : Card Type : Visa   Card Number : XXXX Expiration Date : XXXX Auth Code : XXXX  Transaction Type : Purchase Payout Information : Today 's Date :XX/XX/2018 Date available in receiver 's country : XX/XX/2018 Delivery Method : Only available at a location in the receiver 's state.

Billing Summary : Transfer Amount : XXXX USD Transfer Fees : + XXXX  USD Promotion Discount : - XXXX USD Total : XXXX USD Transfer Summary : Exchange Rate : XXXX USD = XXXX  MXN Transfer Amount : XXXX MXN Total to Receiver : XXXX MXN For all transfers, receiver may receive less due to foreign taxes. For transfers to a bank account, receiver may also receive less due to fees charged by the 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 Receiver at XXXX   or XXXX XXXX XXXX. 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 XXXX XXXX XXXX e-mail Western Union or write to : XXXX XXXX XXXX  XXXX  , Inc XXXX XXXX XXXX XXXX XXXX CO XXXX or call : XXXX For questions or complaints about Western Union, contact : Consumer Financial Protection Bureau XXXX XXXX ( TTY/TDD ) www.consumerfinance.gov XXXX XXXX State Department of Financial Services XXXX http : //www.dfs.ny.gov Western Union also makes money from currency exchange.

If your payment method is a credit or debit card, please note card issuer cash advance fee and associated interest charges may apply. XXXX  Card/ My WU # : XXXX   Points Earned : XXXX  Total Points : XXXX  END OF MESSAGE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is a fraudulent transaction as my name and address where utilized as senders to a person in XXXX XXXX . I report that I DID NOT MAKE THIS TRANSFER AND I DO NOT KNOW THIS INDIVIDUAL. THIS IS A FRAUDULENT TRANSACTION.

Company response to consumer: Closed with explanation