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Business Profile

Money Orders

The Western Union Company

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Money Orders.

Complaints

This profile includes complaints for The Western Union Company's headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 965 total complaints in the last 3 years.
    • 407 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint type

    • Initial Complaint

      Date:04/21/2025

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      ****** Dogazon **************************************************************************** ********** ****** Dogazon 04/21/25 Subject: Complaint Regarding Cashed Money Order Still in My Possession Purchased at ******* Dear Better Business Bureau,I am writing to formally file a complaint regarding a money order I purchased at *******, which has been cashed despite the fact that it is still physically in my possession and has never been used or sent to anyone. in November I tried to pay rent and landlord returned the money order because bank rejected the deposit The details are as follows:Money Order Amount: 1000 Money Order Number: 22-022984367 Date of Purchase: 7/18/24 Place of Purchase: ******* located at ************************************************************************* Issuer of Money Order: Western Union I contacted ******* and/or the money order issuer, but I have not received satisfactory assistance or a resolution. Given that the money order is still in my possession, I am concerned about the possibility of fraud or an internal processing error.I am requesting the BBBs assistance in investigating this issue and facilitating communication with the involved parties to resolve this matter and recover my funds.I have attached a copy of the money order, my purchase receipt and any correspondence I have had with ******* or the money order issuer.Please let me know if further information is required. I appreciate your time and attention to this matter.Sincerely,****** Dogazon

      Business Response

      Date: 04/25/2025

      Reference number: *********
       
      Hi ******,

      We are glad to let you know that we have reached a resolution to your claim and would like to share it next:

      To help make things right and thank you for using Western Union, weve sent $1,000.00 your way on 4/25/2025. To pick up your funds, please visit any Western Union agent locations in *******, except for ********* as they have a limit of payout of $300.00 with the tracking number (MTCN) 930-165-1047 and a valid government-issued ID. If you cant pick up these funds within 30 days from the date this service concession was issued, please contact us at the number below, and well give you a new MTCN.
       
      Sender: Western Union Customer Service
      Receiver: ****** Dogazon

      Thanks for being a valued Western Union customer.

      If you have any questions or concerns, please email us at ********************************************************************************************************************************** or call our corporate headquarters at ***************** (international call charges may apply),providing your reference number ********* to connect with me directly.

      Thanks for being a valued Western Union customer.

      ****** E
      Executive ************************ Team

       
      Please read our Privacy Statement to find out how we process your personal data.

    • Initial Complaint

      Date:04/15/2025

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I in of's paymentive transient modulation, the form of an money order I attempted to pay ********************** The monies was an direct payment for an monthly fee. This incurrence was cycled around the time of Black Friday through the first week of December pivot. The second week of this month of December, Farmers Furniture remailed the original money order too I due to my fault at the moment of signaturing I did not have mindful technology of paymentived consent of the change not too sign the backside of the alternative courier payment for the bill, I in-which previously I had been signing for many year's too and with other Incorporations. The money order consortium slip was purchased at ******** store locally, just as-ased the creditor was near, all in the ********************* area. I went to the ******* customer service desk to recash the original money order, and in this second cycle told that since the Western Union Money Order had my signature it could not be repaid to I, so I remailed all original information too Western Union in of's the 2nd/3rd week of December, yet I have nothing too state other than voice recognition to prove validics too state I mailed in two money orders, thused one being for another **** for an book order. I have contacted Western Union and in all true explanation, reserve I attempt, auxiliary wait!

      Business Response

      Date: 04/19/2025

      Hi **** ******,
       
      Thank you for reaching out. We appreciate your business and are truly sorry for the experience you had while using our services.

      We want to help you with your claim, but were still missing some information to help us with the review process.

      Please note that we were able to locate the documents, however the forms are missing from the document received.

      Please fill out the attached form (one for each of the Money Orders: *********** - 100USD, *********** - 17USD)
       
      At Western Union, we take every matter seriously to improve your experience with our services.
       
      If you have any questions or concerns, please email us at ********************************************************************************************************************************** or call our corporate headquarters at ***************** (international call charges may apply), providing your reference number 329305359 to connect with me directly.


      Sincerely,
       
      ******* C
      Executive Resolutions Team

    • Initial Complaint

      Date:04/15/2025

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Complaint Summary:I attempted to receive a Western Union money transfer and was repeatedly sent to multiple locations by their customer service and online locator. **************** claimed each location claimed they could process the transaction, but in reality, either the Western Union terminal was not working, or the location did not dispense cash. This lack of transparency and coordination caused significant inconvenience, wasted time, and unnecessary travel.Details:I provided all required information, including the transaction number and valid government-issued ID. Despite this, I was redirected to multiple affiliated locations, none of which could complete the transaction. These locations were either not equipped to pay out funds or had inoperable systems.Desired Resolution:Clear disclosure of which locations can actually process money transfers and dispense cash.Immediate correction of inaccurate information on the Western Union locator and CFCS should process Western Union Transaction based on Western Union policy not their own internal policy. Compensation for the inconvenience caused by repeated failed attempts and misinformation.

      Business Response

      Date: 04/17/2025

      Hi ****** ********,

      Thank you for reaching out. We appreciate your business and are truly sorry for the experience you had while using our services.

      Im one of the Executive Resolutions team experts at Western Union who is handling your claim that was addressed to our corporate office from BBB.

      Unfortunately I was unable to reach you at the phone number provided, however please find details below:

      We sincerely apologize for the inconvenience and frustration caused by this situation, we can see that your transaction: ********** has been successfully collected on Apr/15/2025.

      Please note that due to this transaction being a elevated amount not all locations are capable of paying this amount, reason why you may have encountered issues at the locations you visited.

      We will be sharing this feedback with our Regional Operational Manager so this incident can provide feedback on the handling of your case.

      We hope youll give us a second chance to win back your trust. To help make things right, we want to offer you a promotional code for a zero-fee money transfer.

      These promo codes were shared with you via email.

      At Western Union, we take every matter seriously to improve your experience with our services.

      If you have any questions or concerns, please email us at ********************************************************************************************************************************** or call our corporate headquarters at ***************** (international call charges may apply), providing your reference number ********* to connect with me directly.


      Sincerely,
       
      ******* C
      Executive Resolutions Team

    • Initial Complaint

      Date:04/14/2025

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I purchased a money order for $128.07 on February 8, 2025. The money order was not received to the intended person. I called Western Unionto see if it was cash and it was not. I went online and filled out the request for a refund of my money order. to several people not one of them has an answer as to when Im getting my money back and it was given false information as far as they were returning it to me, but still have not received my refund. I started this process on March 5 of 205 and I still have no resolution. I called to see if the money order was cashed. It is still not cashed and Ive submitted ******** for a refund three times now

      Business Response

      Date: 04/17/2025

      Reference number: *********
       

      Hi ******,

      Thank you for reaching out. We appreciate your business and are truly sorry for the experience you had while using our services.

      Im one of the Executive Resolutions team experts at Western Union who is handling your claim from 04/15/2025 submitted through the Better Business Bureau (BBB) where you mentioned that you need help with your Money Order refund request.

      Please note that weve sent a total of ****** USD your way. To pick up your funds, please visit any Western Union agent location in **/** with the tracking numbers (MTCN) sent through a separate email, per privacy purposes, and a valid government-issued ID. If you cant pick up these funds within 30 days from the date this service concession was issued, please contact us at the number below,and well give you a new MTCN.

      At Western Union, we take every matter seriously to improve your experience with our services.

      If you have any questions or concerns, please email us at ********************************************************************************************************************************** or call our corporate headquarters at ***************** (international call charges may apply), providing your reference number ********* to connect with me directly.

      Thanks for being a valued Western Union customer.

      Sincerely,


      ****** *.
      Executive Resolutions Team
       
      Please read our Privacy Statement to find out how we process your personal data.

    • Initial Complaint

      Date:04/14/2025

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I went to *******, where I purchased a check from Western Union. They refunded one check but refused to cash the other check. I was told to contact Western Union for a refund. The company directed me to fill out a refund form, which I did (twice). I have not received a refund or response from Western Union. The company told me the check was cashed. How can the check be cashed if I am holding it in my hand and I have the original receipt? All I want is my $20.00 returned. They will no longer help me. I would appreciate BBB's help in resolving this situation.Thank you,******* *******

      Business Response

      Date: 04/17/2025

      Hi ******* *******,

      Thank you for reaching out. We appreciate your business and are truly sorry for the experience you had while using our services.

      Im one of the Executive Resolutions team experts at Western Union who is handling your claim that was addressed to our corporate office from BBB.

      As mentioned over the phone, please note that we have completed the refund for Money Order: *********** under new MTCN: ************.

      Previous MTCN shared has been cancelled, this new MTCN is currently available for collection at a Western Union location in **/US.

      If you cant pick up these funds within 30 days from the date this service concession was issued, please contact us at the number below, and well give you a new MTCN.

      Sender:Western Union Customer Care
      Receiver:******* *******


      At Western Union, we take every matter seriously to improve your experience with our services.

      If you have any questions or concerns, please email us at ********************************************************************************************************************************** or call our corporate headquarters at ***************** (international call charges may apply), providing your reference number ********* to connect with me directly.


      Sincerely,
       
      ******* C
      Executive Resolutions Team

    • Initial Complaint

      Date:04/13/2025

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I went to ******** to get a refund on the Money Order in the amount of $20.00. The money order originally cost me $25.00. The ********* system either informs of errors like it cannot find the tracking information or the sender's information. I called customer servers of ***************************************** and followed there advise. I inputted into the computer at ********* what they told me to input and still got errors. I give up and would like Western Union to mail to my address a check in the amount of $20.00.

      Business Response

      Date: 04/16/2025

      Reference number: *********

      Hi ****,


      Thank you for reaching out. We appreciate your business and are truly sorry for the experience you had while using our services.

      Im one of the Executive Resolutions team experts at Western Union who is handling your claim from 04/14/2025 where you mentioned that you would like to receive the refund related to MTCN ********** via check.

      Unfortunately, I couldnt reach you at the phone number you provided. Please let me know if youd prefer to receive updates by phone or if you have another preferred contact method.

      Please note that we have received your request, and a refund check will be issued to the mailing address linked to your profile. As soon as we have the tracking details, I will get back to you.


      At Western Union, we take every matter seriously to improve your experience with our services.

      If you have any questions or concerns, please email us at ********************************************************************************************************************************** or call our corporate headquarters at ***************** (international call charges may apply), providing your reference number ********* to connect with me directly.

      Thanks for being a valued Western Union customer.

      Sincerely,


      ****** *.
      Executive Resolutions Team


       
      Please read our Privacy Statement to find out how we process your personal data.

    • Initial Complaint

      Date:04/12/2025

      Type:Product Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I believe the date of the transaction was on 8-5-24. I paid the business $375.00. The business committed to provide me a refund of $375.00 because of a lost money order for rent by the apartment manager. The nature of the dispute is that they have failed to send me the check for the $375.00. I have called them several times. I once called them and waited thirty minutes and they hanged up on me after I told them what the call was in reference to. They keep saying give it 7-10 business days. I have yet to see the refund. The business has not tried to solve the problem if anything they seem to be avoiding it. The case# is *********. The 11 digits are ***********. They keep giving me the run around. I even asked to speak to the Supervisor. I am getting no where with them. I even said I would report them to your business but they just seemed to blow it off. They didn't seem to care one bit. I have recently moved so my address is now: ************************************************************************************************************************. I live on a very TIGHT income especially since I had to pay my rent twice because of this matter. Please help me. Thank you and God bless.

      Business Response

      Date: 04/18/2025

      Reference number: *********

      Hi ****,

      We appreciate your business and are truly sorry for the experience you had while using our services. Im one of the Executive Resolutions team experts at Western Union who is handling the claim you submitted through the Better Business Bureau (BBB) on 4/12/2025. In your claim, you mentioned that you need assistance with the refund of the ** *********** for 375 USD.

      Thank you for your patience while we conducted our investigation regarding your recent money order.

      After thoroughly reviewing the details, we have confirmed that you provided all required information to process the refund. Previous refund checks have been sent to the mailing address you had; however, to avoid you dont receive the refund check plus to expedite the refund and you dont have to wait the usual 7 to 14 business days, weve fully refunded your money order, totaling 375 USD on 04/18/25 with the tracking number (MTCN) 930-164-8389. You can pick up the money at any Western Union agent location in **/***

      When collecting your refund, please provide the following details:

      Sender: Western Union Customer Care
      Receiver: **** ******
      MTCN: 930-164-8389
      Amount: 375 USD

      Please make sure that you have a valid government-issued ID when collecting your money transfer. If you cant claim this refund within 30 days from the date it was issued, please contact us directly at the number provided below to get a new MTCN.

      We understand this may be disappointing, but please know that we are committed to ensuring transparency and accuracy in all our transactions. If you have any further questions or require additional assistance, please feel free to contact us.

      At Western Union, we take every matter seriously to improve your experience with our services.

      If you have any questions or concerns, please email us at ********************************************************************************************************************************** or call our corporate headquarters at ***************** (international call charges may apply), providing your reference number ********* to connect with me directly.

      Thanks for being a valued Western Union customer.

      Sincerely,
      ***** G
      Executive Resolutions Team

       

      Customer Answer

      Date: 04/26/2025

      I just wanted to let you know that I got my $375 back from Western Union.  I went in person to the store and finally got it in cash.  You guys were great.  Thank you and God bless.  Keep up the great work.  ??

    • Initial Complaint

      Date:04/08/2025

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I sent $200 on 1/21/25 to my dad's account in ***** who suffered from ************** to help with medical bills, MTCN ********** but he never received this payment. I have been repeatedly trying to get a resolution but all I receive from Western union is a letter that they accept a problem may have been occurred with the transfer and as a courtesy refunding $0.99. I have provided bank statement of receiver's account proving those funds were undelivered. $200 may not be a whole lot for a lot of people and those highly paid Western union managers but it is a whole lot for someone living in third world country. I have made all the efforts before this post calling them since January 27, 2025 trying to resolve and get a refund. I will file a complaint with ************************ and Media wherever possible as a last resort and will never recommend anyone to use Western union.Also beyond pathetic is how their customer service associates do not try to genuinely help long time customers like me who have been using them since 2017.

      Business Response

      Date: 04/18/2025

      Reference number: 328091466

      Hi *****,

      Thank you for your patience while we conducted our investigation regarding your recent money transfer transaction MTCN **********.

      After thoroughly reviewing the details, we have confirmed that the refund was successfully started on 04/18/25 totaling ****** USD. Please know that it may take up to 7 business days to show in your account. If you dont receive the refund within this period, please reach out to us directly at the phone number or email address provided below, and well be happy to help.

      We deeply regret any inconvenience caused and offer our sincere apologies. Your feedback is invaluable, and we are taking swift action to address the issues raised, with a commitment to delivering an enhanced and seamless experience for you.

      We understand this may be disappointing, but please know that we are committed to ensuring transparency and accuracy in all our transactions. If you have any further questions or require additional assistance, please feel free to contact us.


      If you have any questions or concerns, please email us at ********************************************************************************************************************************** or call our corporate headquarters at ***************** (international call charges may apply), providing your reference number 328091466 to connect with me directly.

      Thanks for working with us on this.

      Sincerely,

      ****** E
      Executive Resolutions Team

       
      Please read our Privacy Statement to find out how we process your personal data.

    • Initial Complaint

      Date:04/08/2025

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am filing this complaint because Western Union allowed a known scammer, ******* ******** Ticarau, to use its platform to receive over $6,931.50 in fraudulent transfers from me throughout 2024. I filed a fraud report, and Western Union opened Case #*********. They ultimately confirmed wrongdoing by permanently banning her yet they continue to keep the funds that were sent under deception.******* manipulated me emotionally, exploiting my mental health vulnerabilities, and fabricated emergencies to pressure me into sending money. She later escalated into sextortion, which has now been reported to the *** (IC3), FTC, NY Attorney General, and other agencies.Western Union claims they are not liable once funds are picked up, but this case goes far beyond that. The company has already confirmed fraud occurred, and it has both the global infrastructure and legal ability to pursue restitution from the perpetrator. I do not. I am just a private individual while ** is an international financial institution with the resources to investigate, recover, or at minimum, share the loss.Their refusal to refund me despite banning the scammer and closing a confirmed fraud case feels like they are punishing the victim while protecting their bottom line. The amount I lost is just $6,931.50 which is approximately *******% of Western Unions multi-billion dollar net worth. To me, that is life-changing debt. To them, it is a rounding error.I am requesting a full refund of the $6,931.50 that was transferred to ******* ******** Ticarau via Western Union. This is a matter of fairness, corporate responsibility, and honoring their own findings.

      Business Response

      Date: 04/11/2025

      Reference number: *********

      Hi Hamza,


      We appreciate your business and are truly sorry to hear you have been affected by fraud.


      Im one of the Executive Resolutions team experts at Western Union who is handling your claim from 04/08/2025 through the Better Business Bureau, where you mentioned that you need assistance as you were victim of a scam.


      Our records show that in 2024 you sent 15 money transfers from ************* to a receiver located in *******. The total amount sent is ******** USD.


      Our records show that you started a money transfer with MTCN ************ totaling ****** USD to ******* ******** TICARAU in ******* on 08-OCT-2024 at 01:40:42 EDT Eastern Standard Time.


      On 08-OCT-2024 at 09:58:01 Eastern Standard Time, a person with identification bearing the name of ******* ******** TICARAU visited an agent location in *********, ******* to pick up the funds.


      Our records show that you started a money transfer with MTCN ************ totaling ****** USD to ******* ******** TICARAU in ******* on 15-OCT-2024 at 04:48:02 EDT Eastern Standard Time.


      On 15-OCT-2024 at 10:03:11 Eastern Standard Time, a person with identification bearing the name of ******* ******** TICARAU visited an agent location in *********, ******* to pick up the funds.


      Our records show that you started a money transfer with MTCN 162-470-1484 totaling ****** USD to ******* ******** TICARAU in ******* on 20-AUG-2024 at 00:08:04 Eastern Standard Time.


      On 20-AUG-2024 at 02:55:29 Eastern Standard Time, a person with identification bearing the name of ******* ******** TICARAU visited an agent location in *********, ******* to pick up the funds.


      Our records show that you started a money transfer with MTCN  ************ totaling ****** USD to ******* ******** TICARAU in ******* on 27-AUG-2024 at 13:13:10 Eastern Standard Time.


      On 27-AUG-2024 at 13:45:37 Eastern Standard Time, a person with identification bearing the name of ******* ******** TICARAU visited an agent location in *********, ******* to pick up the funds.


      Our records show that you started a money transfer with MTCN 025-871-7034 totaling ****** USD to ******* ******** TICARAU in ******* on 30-AUG-2024 at 21:24:49 Eastern Standard Time.


      On 31-AUG-2024 at 09:17:30 Eastern Standard Time, a person with identification bearing the name of ******* ******** TICARAU visited an agent location in *********, ******* to pick up the funds.


      Our records show that you started a money transfer with MTCN ************ totaling ****** USD to ******* ******** TICARAU in ******* on 02-SEP-2024 at 01:13:29 Eastern Standard Time.


      On 02-SEP-2024 at 10:25:06 Eastern Standard Time, a person with identification bearing the name of ******* ******** TICARAU visited an agent location in *********, ******* to pick up the funds.


      Our records show that you started a money transfer with MTCN ************ totaling ****** USD to ******* ******** TICARAU in ******* on 03-SEP-2024 at 13:27:01 Eastern Standard Time.


      On 03-SEP-2024 at 13:35:56 Eastern Standard Time, a person with identification bearing the name of ******* ******** TICARAU visited an agent location in *********, ******* to pick up the funds.


      Our records show that you started a money transfer with MTCN 213-063-9651 totaling ******** USD to ******* ******** TICARAU in ******* on 03-SEP-2024 at 14:12:03 Eastern Standard Time.


      On 03-SEP-2024 at 14:15:37 Eastern Standard Time, a person with identification bearing the name of ******* ******** TICARAU visited an agent location in *********, ******* to pick up the funds.


      Our records show that you started a money transfer with MTCN ************ totaling ****** USD to ******* ******** TICARAU in ******* on 06-SEP-2024 at 03:12:08 Eastern Standard Time.

      On 06-SEP-2024 11:54:50 Eastern Standard Time, a person with identification bearing the name of ******* ******** TICARAU visited an agent location in *********, ******* to pick up the funds.


      Our records show that you started a money transfer with MTCN 301-067-0067 totaling ****** USD to ******* ******** TICARAU in ******* on 12-SEP-2024 at 10:43:48 Eastern Standard Time.


      On 12-SEP-2024 at 11:58:07 Eastern Standard Time, a person with identification bearing the name of ******* ******** TICARAU visited an agent location in *********, ******* to pick up the funds.


      Our records show that you started a money transfer with MTCN 569-058-1829 totaling ****** USD to ******* ******** TICARAU in ******* on 12-SEP-2024 at 13:12:45 Eastern Standard Time.


      On 13-SEP-2024 at 09:54:13 Eastern Standard Time, a person with identification bearing the name of ******* ******** TICARAU visited an agent location in *********, ******* to pick up the funds.


      Our records show that you started a money transfer with MTCN 014-652-8649 totaling ****** USD to ******* ******** TICARAU in ******* on 19-SEP-2024 at 09:40:00 Eastern Standard Time.


      On 19-SEP-2024 at 10:12:00 Eastern Standard Time, a person with identification bearing the name of ******* ******** TICARAU visited an agent location in *********, ******* to pick up the funds.


      Our records show that you started a money transfer with MTCN ************ totaling ****** USD to ******* ******** TICARAU in ******* on 23-SEP-2024 at 15:03:30 Eastern Standard Time.


      On 23-SEP-2024 at 15:19:03 Eastern Standard Time, a person with identification bearing the name of ******* ******** TICARAU visited an agent location in *********, ******* to pick up the funds.


      Our records show that you started a money transfer with MTCN 158-525-5096 totaling ****** USD to ******* ******** TICARAU in ******* on 23-SEP-2024 at 15:06:42 Eastern Standard Time.


      On 24-SEP-2024 at 02:49:05 Eastern Standard Time, a person with identification bearing the name of ******* ******** TICARAU visited an agent location in *********, ******* to pick up the funds.


      Our records show that you started a money transfer with MTCN ************ totaling ****** USD to ******* ******** TICARAU in ******* on 23-SEP-2024 at 15:10:12 Eastern Standard Time.


      On 23-SEP-2024 at 15:21:49 Eastern Standard Time, a person with identification bearing the name of ******* ******** TICARAU visited an agent location in *********, ******* to pick up the funds.


      Western Union agents require the receiver to provide specific details for the money transfer, including tracking number (MTCN) and valid government-issued photo identification(s) to payout the funds. In the case of these money transfers, the receiver provided the agent with the tracking number (MTCN), senders name, money transfer country of origin, the expected payout amount, and their valid government-issued photo identification. As a result, the agent followed Western Unions policies and procedures and paid out the money transfers.


      Our records show that you have filed a fraud report with Western Union on February 3rd, 2025, fraud case number 314464933.


      Unfortunately, after reviewing the details of your case, we are unable to issue a refund.


      To learn more about fraud protection and #BeFraudSmart, check out our Fraud Awareness page or follow us on our social media channels.
      Were sorry for the inconvenience.


      If you have any questions or concerns, please email us at ********************************************************************************************************************************** or call our corporate headquarters at ***************** (international call charges may apply), providing your reference number ********* to connect with me directly.

      Sincerely,

      ****** *.
      Executive Resolutions Team

       
      Please read our Privacy Statement to find out how we process your personal data.


      Customer Answer

      Date: 04/11/2025

      Complaint: 23162235

      Dear BBB and Western Union,

      Thank you for taking the time to respond thoughtfully to my complaint. I want to acknowledge the professionalism of the Executive Resolutions Team and the respectful tone of your communication its a welcome change from other entities Ive dealt with throughout this process. However, I must respectfully disagree with Western Unions decision to deny a refund, and I would like to clarify why I continue to request a resolution in this matter:

      Western Union has confirmed fraud occurred. You permanently banned ******* ******** Ticarau, the individual who received these transfers, after reviewing my reports and your own investigation.
      The money was obtained through deception. ******* manipulated me with lies about medical emergencies, legal threats, and other fabricated crises. This eventually escalated into sextortion threats to release private content unless I stopped contacting law enforcement. This is no longer just a civil dispute it is part of an ongoing criminal matter that has been reported to the *** (IC3), NY Attorney General, ***, ****, and other agencies. Western Union has international tools I dont. As an international company with far greater resources than I have as a private individual, Western Union has more options for pursuing restitution or working with Romanian authorities to seek recovery directly from the perpetrator. Instead, I have been left to carry the full financial burden of her deception debt that, for me, is life-altering, but for Western Union represents less than ******% of annual revenue. $7,117.62 may be a small fraction of a multinational companys earnings, but to me, it represents deep credit card debt and ongoing emotional harm. It was sent under manipulation, pressure, and false promises all tactics now well-documented in my fraud reports and agency complaints.

      While I continue to request a full refund based on the facts of this case, I want to express that even a partial refund would be a significant help to me and a meaningful gesture that Western Union takes seriously the burden placed on victims of cross-border fraud.

      I truly appreciate your time, and I ask for your reconsideration in light of these details.

      Sincerely,
      Hamza Zahadi 

    • Initial Complaint

      Date:04/05/2025

      Type:Product Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have been trying to contact Western for 2 days and have been unable yo contact anyone about me refund. I tries using the website *************************************************************************************************************** and it keeps showing me errors every time I put in the information. I have 2 money orders that I have been trying to get a refund for, one for $336.00 and other for $400.00. I could not each a live person on the phone, so was my only option.

      Business Response

      Date: 04/08/2025

      Hi ****,

      We appreciate your business and are truly sorry for the experience you had while using our services. Im one of the Executive Resolutions team experts at Western Union who is handling the claim you submitted through the Better Business Bureau (BBB) on 4/7/2025. In your claim, you mentioned that you previously purchased two money orders which were not used. As a result, you submitted the money order refund requests but havent received a refund.

      Our records show that the following money orders were reported as not used on 4/6/2025:
       
      Money order number: Money order amount:

      19687496123               ****** USD
      19687496122               ****** USD

      We received your original money order refund request online on 4/6/2025, and our team processed your request on 4/8/2025.

      Weve fully refunded your money orders totaling ****** USD and ****** USD on 4/8/2025 with the tracking numbers (MTCN): XXX-XXX-8742 and XXX-XXX-8816. You can pick up the money at any Western Union agent location in **, ******************

      When collecting your refund, please provide the following details:

      Sender: Western Union Customer Care
      Receiver: **** ****
      MTCN: XXX-XXX-8742 and XXX-XXX-8816
      Amount: ****** USD and ****** USD

      Please make sure that you have a valid government-issued ID when collecting your money transfer. If you cant claim this refund within 30 days from the date it was issued, please contact us directly at the number provided below to get a new MTCN.

      Please be advised that due to the security reasons refund information was sent to the email address provided in the request.

      At Western Union, we take every matter seriously to improve your experience with our services.

      If you have any questions or concerns, please email us at ********************************************************************************************************************************** or call our corporate headquarters at ***************** (international call charges may apply), providing your reference number 327131034 to connect with me directly.

      Thanks for being a valued Western Union customer.
      Julija R.

      Executive Resolutions Team
      Please read our Privacy Statement to find out how we process your personal data.

      Customer Answer

      Date: 04/08/2025

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

      Sincerely,

      **** ****

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