On XX/XX/XXXX, I signed up for wise to complete a domestic transfer of funds from one of my bank accounts at XXXX. Wise requested for me to complete their verification process by uploading my drivers license and proof of address along with scanning my face using biometric data to verify my identity. Later that day, I received an email saying they have verified my documents ( attached ) so I set up a transfer from my varo account to be sent to my new wise account in the amount of {$150.00}. I connected my bank via XXXX and initiated the transfer. Wise said the money would be available XX/XX/XXXX ( today ). ( 5 business days ) It is now XX/XX/XXXX and although wise has confirmed receipt of my funds, their system says I cant use them because Wise is still verifying my documents. I reached out to their support team who told me that they still needed proof of address. No one sent me an email requesting this information. I had no clue they were missing anything until I called.…
CFPB COMPLAINT DATABASE
TransferWise Ltd
212 real consumer complaints filed against TransferWise Ltd at the Consumer Financial Protection Bureau in the last 12 months. 3 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Other transaction problem59
- 02Fraud or scam38
- 03Managing an account25
- 04Money was not available when promised25
- 05Closing an account15
Top states filing
How others won relief
These complainants filed at the CFPB and the company refunded or credited money in response. The CFPB doesn't force outcomes, but it does force a response in 15 days.
I initiated a transfer with Wise inc. on XX/XX/XXXX at XXXX XXXX for XXXX USD to convert to CZK. they state they received the funds at the same time from my US account. There were fees of XXXX USD for the ACH fee and XXXX USD for the Conversion fee, with a total in fees of XXXX USD. This means the total converted from USD to CZK at an Exchange of XXXX USD to XXXX CZK was XXXX USD to XXXX USD. They state they converted the funds to CZK on XX/XX/XXXX at XXXX AM XXXX ( paid out CZK ) then sent the funds at XXXX XXXX US-CST. The funds were taken from my account but I never received the funds to my XXXX account. I have been told over and over to wait, then I waited and the funds never came. I sent proof of the documents was told it would take 1 working day to complete the review of the documents. Then, after 1 working day, I was told it would take 1-2 working days, then lectured about how working days work as if I was unfamiliar.…
On XX/XX/scrub>, 2025, around XXXX eastern, I called Wise to cancel a transaction that appeared to be glitched in the app. I spoke directly with an agent and the agent confirmed the transfer would be canceled given that the money had not yet been debited from my account. The agent then followed up with an email at XXXX XXXX stating that the transfer was canceled and any debited money would be credited. This morning, XX/XX/year>2025 at XXXX XXXX eastern, I received an email from Wise rhat the money had been sent. I followed up with the merchant and they confirmed that they received the money. When I called Wise they told me there was nothing that they could do.
Recent complaints
The 30 most recent complaints against TransferWise Ltd where the consumer chose to publish their narrative.
I opened a Wise account and deposited {$20.00} on XX/XX/XXXX at XXXX XXXX to access my wire transfer details ( account number and routing number ) for business purposes. I then spent {$10.00} on XXXX XXXX to test the service of the debit card. Shortly after, Wise closed my account without notice. I did nothing wrong this was only a legitimate test. Because the account was closed, I had to withdraw the remaining {$10.00}, and the {$10.00} I spent on XXXX XXXX is now lost. Most importantly, I can not access the account details I paid for, which prevents me from initiating important business wire transfers. I should not have to repeat the deposit process on a new account or this account just to access the same information again. I have screenshots of all my transactions and communications and timestamps of when money was deposited and where it was moved to, showing that this was a small test and not an investment.…
XXXX. On XXXX XX/XX/year>, I made a payment of USD XXXX to Wise via wire transfer from my XXXX XXXX XXXX account. Immediately after receiving my payment, Wise locked my account and decided to refund the funds. XXXX. The refund process was initiated on XXXX XX/XX/year>. At that time, Wises Terms and Policies, as well as your Customer Support team, clearly assured me that the refund would be returned to the original payment method, which in this case was my XXXX XXXX XXXX wire transfer details. 3. However, Wise did not follow its own stated policy. Instead of refunding the money via wire transfer to the original payment method, Wise processed the refund via ACH. This is a completely different refund method and uses a different routing number from the one originally used for the wire payment. 4. As a result, the refunded funds could not be properly credited back to my XXXX XXXX XXXXXXXX account ( because the ACH routing number is different from the WIRE routing number ).…
I am filing this complaint regarding an international transfer refund that was not properly completed by Wise. Transfer ID : XXXX The original transfer was made in XXXX XXXX ( XXXX ). Later, the transaction was refunded. However, instead of returning the funds to the original senders bank account ( XXXX XXXXXXXX XXXX, Wise sent the refund to a different bank account at XXXX XXXXXXXX XXXX. This account is not owned by the recipient and is not accessible. It appears to be an intermediary or technical account used internally by Wise or its payment partners to process local transfers in XXXX. The original sender, XXXX XXXX XXXX XXXX, has an account at XXXX XXXXXXXX ( account number ending in XXXX ), which is the correct destination for the refund. However, the refunded funds were not sent back to that account. Because the funds were sent to an intermediary account that neither I nor the recipient can access, the refund was not completed in a usable or valid way.…
I was using my account. I believe I verified wrongly however I got sent around {$1200.00} in total XXXX my Wise Account Balance. I spent my money with their debit card XXXX it ultimately led XXXX my account being closed by Wise, no reason why. However, I was fine until I successfully verified XXXX have my funds sent out XXXX my XXXX bank provided XXXX only {$290.00} USD was sent out XXXX the provided XXXX bank account because a majority of the funds were supposedly subject XXXX reversal. Perhaps XXXX the sender, I am not sure. I was paid by customers XXXX it's hard XXXX locate their contacts since I'm deactivated from Wise. They also failed XXXX specify why only {$290.00} was proved XXXX be not subject XXXX reversal XXXX sender. I am missing {$940.00} at this point XXXX I want the funds sent back to my XXXX account correctly. XXXX XXXX XXXX XXXX XXXX received : XXXX XXXX Transfer Number : # XXXX
TO : Consumer Financial Protection Bureau ( CFPB )/ Wise Compliance Department FROM : XXXX XXXX XXXX XXXX. DATE : XX/XX/XXXX RE : FORMAL COMPLAINT : Deceptive Support Practices & Violation of XXXX XXXX Fraud Rules Reference : Wise Transfer # XXXX ( {$26000.00} USD ) 1. Statement of Deceptive Trade Practices ( UDAAP ) I am filing this complaint to flag a systemic, deceptive practice within Wises customer support operations. During multiple telephonic consultations regarding the above-referenced transfer, Wises trained representatives explicitly assured me that the ACH transfer " would be returned '' due to the merchants total non-performance. Relying on these verbal commitments, I delayed taking further legal action. However, Wise subsequently reversed this position, claiming their " internal policy '' prevents assistance.…
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.…
On XX/XX/year>, I initiated a {$300.00} USD international transfer through Wise ( Transfer # XXXX ). Wise confirmed receipt of the funds. The transfer has been stuck in sending paused and verification status for several months. Current status : Wise has received the funds The transfer has not been completed The funds have not been returned The system does not allow cancellation ( transfer can not be cancelled ) I have provided all requested verification documents Wise is holding my funds without completing the transfer or returning the money. I previously filed a complaint, and the company responded without addressing the actual issue, stating only that the account type was not eligible. The funds remain held and inaccessible. This is a funds access issue. I can not complete the transfer, cancel it, or recover the money.
On XX/XX/XXXX, I purchased {$49.00} in XXXX photo credits from XXXX ( Invoice : XXXX ; Wise ID : XXXX ). This was a pay-per-use credit purchase. The service delivered output that was materially different from the advertising and the input provided. Specifically, I am a XXXX man who wears a turban, and the output delivered did not accurately depict me, instead ouputs showed different-looking individuals without my turban or other Sikh gentlemen. Other pictures would remove my arm or not listen to my prompt such as adding a watch on my wrist. Other pictures were just identical to past outputs. Even one output looks like someone copied and pasted a very creepy looking version of me on someone else 's body. The unusable outputs consumed the credits I purchased. Between XX/XX/XXXX and XX/XX/XXXX, I tried three times to contact the merchant through their website form to resolve this, but received no response. The form did not generate a confirmation email.…
This is complaint against wise.com who I used to transfer the money I am writing to formally escalate a complaint regarding a transfer initiated on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX ). At the time of initiating the transfer, I provided all required information and completed the on boarding process in good faith. On XX/XX/XXXX, your team requested additional documentation, which I provided immediately. Despite my prompt and complete responses, Wise unilaterally cancelled the transaction and returned the funds. I explicitly requested that the funds remain in EUR to avoid XXXX exposure and fees, but this request was declined. I was advised to re-initiate the transfer once the funds were returned, which I did on XX/XX/XXXX at the earliest possible opportunity. During this delay period caused entirely by XXXX internal review process, the USD weakened materially against the EUR.…
Complaint against Wise US Inc . Transfer # XXXX On XX/XX/year>, I initiated a {$300.00} USD transfer through Wise ( Transfer # XXXX ) from my business, XXXX XXXX and XXXX XXXX. Wise accepted the transfer, charged fees, and withdrew the funds. The transfer has not been completed and the funds have not been returned. Since initiating the transfer, Wise has repeatedly delayed resolution while requesting extensive documentation, including : Bank statements Source of funds documentation Business licenses Personal and business identification I provided all requested documentation promptly and in full. Despite full compliance, Wise has : Failed to complete the transfer Failed to return the funds Failed to provide a clear reason for the hold Failed to provide a definitive resolution timeline This is not a single complaint.…
It has been XXXX business days since theyve submitted the chargeback for my atm dispute. My dispute falls under eligible disputes for XXXX XXXX provisional credit which they have yet to credit and I have escalated via phone, chat, email and placed XXXX separate complaints. A XXXX XXXX told me they will see what they can do within XXXX days which sounds illegal to me
I attempted to create an account with Wise, but I was unable to do so because my phone number is already associated with another account that does not belong to me. I have never created a Wise account before. I contacted Wise customer support by phone to resolve the issue. During the call, I explained that this is my personal phone number and that it has been incorrectly linked to another users account. However, I was told that they are unable to remove or disassociate my phone number and that there is nothing they can do. This situation is preventing me from accessing Wises services and raises concerns about potential misuse of my personal information. I am requesting that Wise investigate this issue, remove my phone number from any account that is not mine, and allow me to create an account using my own information.…
Over the past XXXX months, XXXX financial service providers have abruptly terminated my accounts without prior notice, explanation, or opportunity to appeal : XXXX XXXX ( account active for XXXX years ) Wise ( most recent ) My Wise account was closed without warning. I was informed the decision was final and not subject to appeal. I immediately contacted customer support by phone and was denied any meaningful explanation. I work in the cruise industry and travel internationally on a continuous basis. I depend on global financial platforms to receive and send funds. These repeated account closures have left me effectively locked out of essential financial infrastructure. At no point was I informed of any violation, suspicious activity, or compliance issue. This reflects a broader issue : consumers are being de-banked by private platforms without transparency, due process, or recourse.
On XX/XX/year>, I initiated an international money transfer using Wise from the United States to a XXXX XXXX XXXX XXXX XXXX. I entered the correct routing number and correct account holder name, but I accidentally made an error in one digit of the account number. Details of the transfer : Date sent : XX/XX/year> Sender : Me ( via Wise ) Intended recipient : XXXX XXXXXXXX XXXX XXXX of origin : Wise ( XXXX ) Receiving bank / correspondent bank : XXXXXXXX XXXX XXXX XXXX XXXX ) Error : One incorrect digit in the beneficiary account number ( routing number and account holder name were correct ) When I realized the mistake, I immediately requested a recall of the transfer through Wise on XX/XX/year>. Since then : Wise informed me that the recall request was sent to XXXX XXXX. However, Wise has not received any clear response or action from XXXX XXXX regarding the recall.…
I am submitting this complaint against Wise ( formerly TransferWise ), a money transfer XXXX financial services company, regarding several practices I experienced during XXXX after their onboarding process that I believe violate consumer protection standards. -- - ISSUE XXXX PREMATURE XXXX XXXX XXXX DATA COLLECTION Wise demanded biometric data ( facial recognition / identity scan ) as a condition of onboarding before conducting any standard Know Your Customer ( KYC ) verification. The sequencing appeared designed XXXX collect XXXX XXXXc data XXXX, with XXXX checks performed afterward meaning XXXX data was surrendered before it could be determined whether I would even qualify for the service. Consumers should not be required to provide biometric data as a precondition to a KYC determination. -- - ISSUE XXXX COERCIVE XXXX-PARTY DATA ACCESS VIA XXXX XXXX ARBITRARY ACCOUNT CLOSURE Wise required access XXXX outside financial accounts through XXXX as XXXX of their process.…
I am filing this complaint against Wise for failing to properly investigate a dispute regarding transactions with the merchant XX/XX/XXXX ( Transaction IDs : XXXX, XXXX, XXXX ). ( Amounts : XXXX {$110.00} ( XXXX ) XXXX {$110.00} ( XXXX ) XX/XX/XXXXXXXX ( XXXX ) ) I paid for a trading evaluation service with the expectation of receiving a payout upon successful completion. After meeting all requirements, the merchant terminated my account based on an automated "XX/XX/XXXX '' error. I explicitly offered to perform a live video identity verification to prove I am the authorized user, XXXX XXXX, but the merchant refused. Wise has declined to process a chargeback for " Services Not Rendered, '' claiming they " don't have chargeback rights. '' They are accepting the merchant 's unproven allegation of " payment misuse '' while ignoring my documented evidence and my willingness to verify my identity.…
I just registered my business account with Wise.com to receive payments from a potential international client that recommended that's their preferred payment method. Upon signing up with the company, I immediately noticed after their ID verification scan that they inputted my first name spelled incorrectly. There's no feature on the site to correct this information yourself. I inquired with their chat agent on their website and my account was immediately frozen for what they say is Fraudulent activity for trying to correct my name that THEY mispelled. I wanted this done so that the debit card I paid for would be correct. I paid {$31.00} USD for their business services, I paid an additional {$20.00} obligatory deposit to get a physical debit card and they froze my account within 5 minutes of my opening it. I can not with draw my funds, I can not get a refund.…
Beginning on or around XX/XX/2026, the company paused multiple incoming transfers and direct deposits to my account, stating that additional verification was required. I repeatedly tried to complete the verification through the links provided by email, the mobile app, and the desktop site. Each time, the system only showed messages such as Thanks for confirming your details or We are reviewing your documents, and did not give me any working option to upload the requested information. Between XX/XX/XXXX and XX/XX/2026, I contacted support many times by chat and email. I was given conflicting instructions. Some representatives told me documents could only be uploaded through the app flow, while others told me to send payslips by email so they could upload them manually. I sent the requested documents, screenshots, and followed all instructions, but the issue was not resolved. One transfer was canceled, several incoming payments remained paused, and my direct deposit was also affected.…
I am filing a complaint regarding the closure of my Wise account. I used my account to receive legitimate payments from a U.S. company for contract work. After my account was closed, I submitted an appeal and provided identification and requested documentation. Wise reviewed the appeal but decided to keep the account closed. Wise stated they can not share the specific reason for the closure due to regulatory limitations. This closure has had a significant impact on my ability to receive payments from my employer and manage my income. I am requesting that Wise provide a clearer explanation of the reason for the closure and confirm that the decision was made in accordance with their regulatory obligations and customer agreement.
Issue : {$13000.00} USD Transfer Stuck - Reference Included Correct XXXX XXXX On XX/XX/year>, I initiated a transfer of {$13000.00} USD ( Transfer ID : # XXXX ) via Wise. What Happened : I provided my XXXX XXXX XXXX account number ( XXXX ) and explicitly included the XXXX XXXX XXXX Code ( XXXX ) in the reference field. However, I mistakenly selected the XXXX XXXX Routing Number ( XXXX ) path. Key Points of Dispute : Previous Success : I have successfully sent funds using Wise before, but this time the funds are stuck despite providing the correct XXXX details in the reference. Invalid Account : The funds were sent via XXXX XXXX ( Trace ID : XXXX ) to XXXX XXXX XXXXXXXX. Since a XXXX XXXX account is invalid in the US system , it should have been rejected immediately. Lack of Support : I initiated a Recall with Wise on XX/XX/XXXX. After 10+ business days, Wise has failed to provide any concrete update or proof of return from XXXX XXXX .…
The situation is as follows : My transfer of XXXX or XXXX to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Branch ) in XXXX XXXX XXXX using the money transfer app Wise on XXXX XX/XX/year> in favour of XXXX XXXX, holder of XXXX XXXX XXXX account XXXX, is classified by Wise as successfully completed. However, the recipient bank has not received any payment into XXXX XXXX 's account and has asked for the XXXX code of the correspondent bank ( s ). After repeated enquiries to Wise by me ( as the sender ), Wise only provides the transfer number XXXX and the unique reference XXXX, but not the requested XXXX code of the correspondent bank ( s ). However, the XXXX recipient bank insists on knowing the XXXX code, as this is the only way it can track the transfer.…
WISE.com is not letting me transfer money from my account. Their excuse is that I need to wait XXXX days for this transaction. Attached is a screenshot of their denial message and a screenshot of my bank 's account showing that my previous money transfer transactions cleared my bank account on Monday, XX/XX/2026. So their bank should have received money from my account on the same day. They could have verified these deposits in their bank account.
am filing this as a NEW complaint regarding a separate regulatory violation by Wise US Inc. that occurred during their investigation of transaction # XXXX. 1. Misrepresentation of Law and Bad Faith : Wise specialist 'XXXX ' committed in writing that a refund would be issued if I provided proof that 'no service was rendered. ' I provided the merchant 's ( XXXX XXXX ) official mortgage statement dated XX/XX/year>, which clearly shows {$0.00} was applied to any account. Despite providing the exact XXXX XXXX ' proof Wise requested, Wise has refused to honor their written commitment. 2. Violation of Visa Core Rules ( Reason Code 13.1 ) : Wise is falsely claiming they can not process a chargeback because the merchant uses a 'third-party processor. ' This is a direct violation of Visa Rule 13.1 ( Services Not Received ). Under Visa regulations, the Merchant of Record ( XXXX XXXX ) is responsible for the delivery of services.…
Account was closed when I am conducting business in good faith. I created a business account to separate my business operation, and upon uploading proof of business, along with personal identification, XXXX XXXX, and a selfie taken by their platform. Wise have closed my account without providing any reasons. I strongly believe this was closed upon my race or identification was disclosed. Trying to appeal decision was denied immediately, with no customer support to speak to.
My account with Wise was closed on XX/XX/year>. At the time of closure, I received a notification stating that the remaining balance in the account would be refunded to me within 10 business days. After the account was closed, my funds remained in the account, and no refund was processed within the promised timeframe. I waited beyond the 10 business days as instructed, but the funds were still not returned. Over the following weeks, I contacted Wise support multiple times requesting an update and asking for the release of my funds. Despite these attempts, the funds have remained held by Wise for more than two months since the account closure date. No clear explanation or definite timeline for the refund has been provided to me. I have informed the company that I am willing to provide alternative bank account details or any required documentation to facilitate the transfer of the funds. However, the issue remains unresolved and my funds have still not been released.…
Complaint Regarding Wise US Inc . Denial of Access to Funds and Unreasonable Delays in XXXX XXXX. Wise US Inc . XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX United States legalrequests XXXX XXXX We have maintained a Wise Business account with Wise US Inc. ( Wise.com, formerly TransferWise ) since approximately XXXX. Our company uses this account for legitimate commercial transactions related to international manufacturing, logistics, and vendor payments connected with our U.S.-based business operations. For the first several years the account functioned normally. However, during approximately the past 1824 months Wise has increasingly delayed routine transactions and subjected them to extended reviews, despite the fact that our transaction patterns have remained consistent for more than five years.…
I am writing to formally raise a complaint regarding a bank transfer that has not been credited to my Wise account, despite confirmed proof of payment from my bank. On XXXX XXXX, I transferred XXXXXXXX XXXX XXXX from my bank account to Wise using the correct bank details provided by your platform. My bank has officially confirmed that the transfer was successfully completed and has provided me with a transfer confirmation document, which I have already uploaded to your system multiple times. Despite this, I continue to receive responses asking whether I am sure I sent the money. I find this extremely frustrating and disappointing, especially as I have been in contact with both Wise and my bank since Friday without resolution. To be clear : My bank confirms the funds were successfully sent. I have provided official documentation as proof. The funds have left my account. Wise states the funds have not been received.…
I am reporting a severe regulatory failure and unauthorized electronic fund transfer ( EFT ) involving Wise ( Wise US Inc. ) and XXXX XXXX XXXX XXXX. On XX/XX/XXXX, an unauthorized charge of {$1100.00} was debited from my Wise business debit card ( Transaction # XXXX ). The merchant of record is listed as XXXX * XXXX XXXX. Legal Basis for Complaint against XXXX XXXX : I am not a borrower on mortgage loan # XXXX, nor have I ever authorized any payments to this company. XXXX XXXX 's official statement dated XX/XX/XXXX, proves they received these funds but applied {$0.00} to the mortgage account, confirming they are unlawfully withholding unapplied funds. When I attempted to resolve this, XXXX XXXX executives ( XXXX XXXX and XXXX XXXX ) refused to provide written explanations, claiming it was a 'third-party vendor ' issue.…
I am filing a complaint regarding Wises handling of my billing dispute for merchandise that was never delivered. I filed a dispute for a charge related to an item purchased through XXXX XXXX. The package was never received at my designated XXXX XXXX XXXX XXXX. XXXX has confirmed that the package was not accepted into my XXXX XXXX XXXX The merchants only alleged proof of delivery consisted of photographs of a package outside a XXXX location. These photographs do not show : The package inside my XXXX XXXX XXXX by XXXX personnel A delivery scan confirming receipt A signature confirmation Verification of delivery to my assigned XXXX XXXX XXXX this, Wise denied my dispute. Wise has refused to provide : Documentation of the investigation The specific evidence relied upon in denying my claim Confirmation of whether they contacted the XXXX An explanation of how the merchant met the burden of proof I requested written documentation supporting the denial, but Wise has not provided it.…
XXXX Regarding the problem that occurred in the institutional communication of a financial institution that operates with the XXXX XXXX and uses the XXXX language, either directly or through automatic translation systems. I also request that the XXXX XXXX, within the scope of its responsibilities, notify the competent XXXX XXXX about the error committed, considering that the institution has objective responsibility for the accuracy in the use of the currency and language, as well as cultural and historical responsibility, ensuring an adequate customer experience. On XX/XX/year>, the complainant received an email from Wise XXXX containing an automatic communication regarding the verification of a personal document. The expected content of the message was : We have completed the verification process of a personal document that you sent.…
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