Consumer complaint received 2022-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
On XX/XX/XXXX, I deposited XXXX money orders ( See attached ) via ATM XXXX issued from XXXX via their money services issuer- Western Union and the XXXX XXXX XXXX  . All money orders issued by the XXXX XXXX XXXXXXXX XXXX were successfully deposited. However, XXXX money orders issued via Western Union were rejected and returned ( See Attached ) on XX/XX/XXXX. Per the letters for the XXXX money orders that were returned, the letter states to endorse the money order with NOT USED FOR PURPOSES INTENDED. 

On XX/XX/XXXX, I deposited the same money orders with the teller at XXXX XXXX XXXX XXXX in XXXX XXXX, VA. I endorsed the Money Orders- NOT USED FOR PURPOSES INTENDED as instructed with the attached letters present, where the money orders were then placed on an additional XXXX hold. However, On XX/XX/XXXX, I received a second letter rejecting the Money Order-XXXX  and REFER TO MAKER. I have attached the letters, the Money Orders deposit, and the bottom of the money order that was paid and where to whom it was initially issued. Therefore, please inform me if I did everything instructed ; why were the money orders still rejected? 

I recently had the same issue with Western Union with a money order for {$30.00} deposited at XXXX XXXX. I filed a complaint on XX/XX/XXXX against XXXX XXXX with the XXXX Case # XXXX and filed a Complaint with XXXX Case # XXXX XXXX Western Union as the money order was rejected as that Money Order was not lost or stolen either. Western Union responded to the CFPB on XX/XX/XXXX : Western Union reference number:XXXX Dear XXXX XXXX, We are writing in response to your complaint through the Consumer Financial Protection Bureau ( CFPB ) portal. In your complaint, you indicate that you deposited a depreciated money order, and it was returned to you by the bank, and you incurred a bank fee as a result. This Money Order was purchased on XX/XX/XXXX ; the remaining amount is {$1.00}. The money order network is set up to sell money orders intended to be deposited at a bank once they are issued. Please be advised that if a Money Order is not presented for payment within one year from the purchase date, a service charge is applied as per the Money Order purchase agreement. The money Order Service Charge statement is available on every Money Order sold, and purchasers can always refer to it for the exact information about the charge. Please note that Money Order Service Charge/depreciation is automatic and irreversible. We sincerely apologize for the inconvenience you experienced using our services. We hope that you won't form your opinion about us based on this incident and give us another opportunity to provide you with the high-quality service that has made Western Union a global leader in the money transfer industry. If you have any questions or concerns, please contact our Corporate Headquarters at XXXX, and provide the Western Union Reference # XXXX to be connected to me directly. You may also email us at XXXX. Sincerely, XXXX, XXXX XXXX # XXXX Executive Resolutions Team Per the UDAAP regulation enhanced from the Federal Trade Commission ( FTC ) Sec

tion 5 as part of Dodd-Frank to include a new standard for abusive. UDAAP has been the primary enforcement action used by the Consumer Financial Protection Bureau ( CFPB ). Western Union Continues with its fraudulent and unethical business practices with t2 cases to include class actions lawsuit of the same. Therefore, I will contact the Office of Enforcement to open an investigation into this matter.

Company response to consumer: Closed with explanation