Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: MA

Complaint narrative:
I am filing this complaint regarding a misdirected international transfer and Wises failure to provide verifiable proof that a recall request has been properly initiated and transmitted. On XX/XX/year>, I, XXXX XXXX XXXX XXXX, initiated a transfer in the amount of USD XXXX through Wise, intended to be deposited into a XXXXXXXX XXXX account belonging to my husband, XXXX XXXX XXXX XXXX, with whom I reside in the United States. Due to a clerical input error at the time of entering the recipients account information, the last two digits of the account number were mistakenly reversed ( entered as XXXX instead of the correct XXXX ). As a result, the funds were sent to an unintended account at XXXX XXXXXXXX XXXX XXXXXXXX. The error was identified immediately, and Wise was notified without delay. I complied with all instructions provided by Wise, including the required waiting period of XXXX business days before a recall could be initiated. The transfer details are as follows : Amount : USD XXXX Transfer ID : XXXX Trace ID : XXXX Routing number : XXXX Receiving bank : XXXX XXXXXXXX XXXX XXXX. After the waiting period elapsed, Wise informed me that a recall request had been initiated through its banking partner. However, Wise has failed to provide any verifiable documentation or confirmation of this action. Specifically, Wise has not provided : The exact date and time the recall request was submitted Any recall reference number or confirmation Proof that the request was transmitted through the banking system Confirmation that the receiving bank was formally notified I have independently contacted XXXX XXXXXXXX XXXX XXXX. The bank confirmed that they are willing to assist in recovering the funds. However, they explicitly stated that they are awaiting a formal recall request from Wise or its banking partner in order to proceed. This creates a clear inconsistency between Wises statements and the receiving banks position. Additionally, Wise has attempted to close the case despite the lack of resolution and without providing the necessary documentation to verify that the recall process has been properly executed. This situation is extremely time-sensitive. The recovery of funds from a misdirected transfer depends on prompt coordination between financial institutions. Wises failure to act with urgency, transparency, and proper communication is materially reducing the likelihood of recovering the funds. As a consumer residing in the United States, I am in a position where : The receiving bank is willing to cooperate But action can not proceed without Wise And Wise is not providing verifiable proof of action I am not requesting a guaranteed recovery of funds. I am requesting accountability, transparency, and confirmation that Wise has fulfilled its obligations to initiate the recall process properly. Desired Resolution : Provide documentary proof that the recall request was submitted Provide the exact date and time of submission Provide any recall reference number or trace associated with the recall Confirm that the recall request was transmitted to XXXXXXXX XXXX XXXX Ensure proper coordination with the receiving bank Keep the case open until the recall process is verified and properly hand

Company response to consumer: Closed with explanation