TransferWise Ltd

Wise.com company just closed my account with no reason and I have XXXX $ in my bank account and they hold my money illegally. When I tried to contact their customer support they are not even bothering to respond me. I am really concerned about the safety of my money.

Called Wise.com twice in an attempt to find out why they shut down my account. They refused to give me answer. Since I have been using their service to transfer money to my partner in XXXX for years, there is no reason for them to stop sending money to his company where he does digital marketing for me. By shutting the account down it eliminates my capability to pay my partner for his services. Wise.com is part of a public company. Wise XXXX XXXX is a nonbank remittance transfer provider a licensed money services business ( XXXX ). In the XXXX it operates under state-by-state money transmitter licenses ( which is why Florida 's and New York 's regulators have authority over it ) and is registered with XXXX at the federal XXXX. Its parent, Wise XXXX XXXX, is a publicly traded XXXX company ; the US subsidiary is incorporated in Delaware and headquartered in New York . Its products are international money transfers ( remittances ), multi-currency accounts, and prepaid/debit cards.…

The company : XXXX XXXX XXXX, my personal account and my XXXX XXXX account were deactivated for no reason, no prior warning, I spent lots of time providing all kinds of information, contacted the support and etc Now it is more than a week now. still No result, no status update, no explanation.

On XX/XX/year>, I set up an international remittance transfer of XXXX / {$320.00} USD through Wise ( Wise US Inc. ) from my business account to a recipient abroad. The transfer was immediately placed on " Sending paused. '' That same day I received an email from Wise titled " Action needed for your Wise Business account, '' and I replied the same day with all requested information. On XX/XX/year>, Wise debited {$320.00} from my bank account via ACH ( statement entry " Wise Inc WISE XXXX '' ). Since then the money has been held and the transfer has never been completed. The status has remained on hold ( " Sending paused '' / " We're verifying you '' ) for approximately four weeks. On XX/XX/year>, I requested cancellation of the transfer in the Wise app. The app returned " Transfer can not be cancelled, '' with no case number or explanation. On XX/XX/year>, I spent about 30 minutes in a live chat with a Wise agent.…

This was my first time using Wise. I received a legitimate payment of {$620.00} from a guest for my short-term rental accommodations during the XXXX XXXX XXXX. After receiving the payment, I used my Wise digital card for a routine XXXX XXXX transaction and then attempted to transfer my own funds into my own previously linked traditional bank account. Almost immediately afterward, Wises automated system restricted my account and then closed it before I had any meaningful opportunity to respond or before any review appeared to take place. I was not sending money to an unknown person, adding a new external bank account, or engaging in suspicious or unusual activity. I was simply transferring my own money into my own bank account that had already been linked to my Wise account. The payment was directly connected to an active short-term rental reservation that I was contractually obligated to honor.…

I have a Wise account for my living expense pool while I am traveling as a retiree. I was notified by the Wise company around XX/XX/year>, where I can create a Savings account within my Wise account and I will be paid 3.14 % annual interest from the Savings balance accordingly. I have decided to do it, so I created a Savings account, then made two deposits on XX/XX/year> of {$20000.00}, then on XX/XX/year> of {$25000.00}. Total of {$45000.00} deposit has made, then I noticed there is no interest paid in XXXX, XXXX. I have stumbled on Wise app few areas, and found a button which was almost hidden from the main account page where I have to click ( turn on ) for interest payment. This made me frustrated, because I was never informed during the enrollment nor after months of using the app. Therefore, I have contacted few times to Wise customer support, submitted a complaint officially.…

On XX/XX/year> I recieved an email stating my account has been closed. No reason given and appeal denied. I am not aware of any recent activity on the account. I do not know the balance on the account because I no longer have access.

I am filing this complaint because I have unresolved transactions and refunds involving Wise, XXXX, XXXX XXXX, and XXXX. For XXXX, the amount is {$4000.00}. Wise gave me an XXXX/reference number, but XXXX said they never received the funds and could not trace the XXXX. I need Wise to prove where the money went or return the funds to me. For XXXX XXXX, the amount is {$3300.00}. These transactions were unauthorized. I reported the issue, but XXXX refused to help or refund me. For XXXX, the amount is {$5600.00}. XXXX confirmed that this refund was processed, but the money has not been released or credited back to me. The total unresolved amount is {$13000.00}.

My Wise account was closed, but I am unable to appeal the decision. When I try to log in, I only see an account-closed page. I do not see an Appeal our decision link. Wises help articles say the appeal should be available after login or through the account-closure email, but I can not find the account-closure email and may have accidentally deleted it. I tried emailing support @ wise.com, but received an automated response saying that email address is not monitored. The help/contact flow keeps sending me back to the login page, which is a dead end because my account is closed. I am requesting that Wise provide a valid way to submit an appeal or manually route my case to the account appeals team. The email associated with my Wise account is : XXXX For context, I only used the account once for a small transfer of approximately {$5.00}, and I am not aware of any issue with my activity.…

On XX/XX/year>, a fraudulent and completely unauthorized transaction of {$350.00} USD was initiated on my Wise digital card by the merchant XXXX XXXX XXXX XXXX ( XXXX ). I have absolutely XXXX affiliation, business, or past transaction history with this merchant. Wise 's security infrastructure failed catastrophically : this manual card entry transaction was allowed to bypass XXXX verification entirely. I did not receive any OTP ( One-Time Password ), no in-app approval notification, and gave XXXX consent. I discovered the fraud immediately on the very same day ( XX/XX/year> ) and instantly filed a dispute. Even after I formally reported this fraud, the funds remained in a 'PENDING ' status on Wise 's end for XXXX to 3 days. Wise had ample opportunity to intercept, freeze, and reverse this unauthorized amount before it cleared, but they failed to act. Instead of protecting me, Wise rejected my fraud claim ( Dispute # XXXX ) stating they could not confirm it was unauthorized.…

Statement of Fact : Violation of Regulation E and UCC 4A-207 1. Initial Transaction : On XXXX XX/XX/year> at XXXX, I initiated a remittance transfer of XXXX to my Wise US account. At XXXX, Wise issued a formal receipt confirming the recipient as XXXX XXXX XXXX XXXXImmediate Error Notification : At XXXX ( XXXX minutes after receipt and XXXX minutes after initiation ), I called Wise to report a potential error and request a cancellation. This call falls within a reasonable timeframe for error notification under 12 CFR 1005.33. 3.Deceptive Information : The Wise representative falsely confirmed all details were 'correct ' and instructed me to 'wait. ' This deceptive advice prevented me from exercising my XXXXinute cancellation right and delayed any immediate recall. 4. Name-to-Account Mismatch : Wise processed the deposit into an account belonging to XXXX XXXX ' despite the XXXX XXXX XXXX XXXX.…

i sent a payment for a XXXX thru Wise.com as instructed by the seller. It has now ben almost a month since payment made, and XXXX site will not ship watch. i reached out to Wise.com, the company that processed the payment. their Q & A section instructs users to follow very specific instructions to process a refund request, but those instructions are non existing. that steps dont exist. All that i was able to file was a complaint, but NOT A REFUND REQUEST. it is clear they do not want to deal with or process refund requests.

I am submitting this complaint regarding Wises handling of a card payment processed through its Get Paid by XXXX XX/XX/XXXX. I used my own credit card to make a legitimate business payment as part of paying myself from another business. The payment amount was {$9000.00}. Wise deducted a card processing fee of {$370.00}. The fee of {$370.00} ( approximately 4.2 % of the transaction ) was significant, particularly for a USD-to-USD payment with no foreign exchange involved. Had this fee been clearly disclosed before I authorized the transaction, I would have chosen a different payment method. My complaint is not that Wise charges processing fees. My complaint is that this fee was not clearly disclosed before I authorized the transaction. Had I been presented with a clear disclosure that a {$370.00} fee would be deducted from the payment, I would have selected a different payment method.…

Wise closed my account and will not refund my money in the account They state the appeal process has to be completed first but its impossible to do. Meanwhile XXXX USD is there and being kept. I understand this could be worse but for many it is worse. US citizens need to be protected from this

On XX/XX/year>, I used my Wise card to make a payment of XXXX for Order # XXXX from an online merchant named XXXX. The purchase was for skincare products, and the transaction was fully authorized by me. After the payment was completed, I received an official order confirmation from the merchant confirming that my order had been accepted and was being prepared for shipment. After placing the order, I waited for shipping confirmation and tracking information. However, I never received any shipping notification, tracking number, or delivery of the goods. After waiting a reasonable amount of time, I contacted the merchant to request an update on my order. On XX/XX/year>, the merchant responded and informed me that their ecommerce platform account had been permanently terminated and that they had lost access to their order management and payment systems. The merchant further stated that they were unable to fulfil customer orders or process refunds.…

Wise closed/restricted my account and still has not returned my remaining USD balance after I canceled the appeal and provided the external bank details and bank statement they requested. More than XXXX business days have passed. I am requesting regulatory assistance requiring Wise to release my remaining funds immediately or provide a written legal basis for continuing to hold them, plus the transfer date, method, and trace/reference number.

On XXXX XX/XX/year>, I sent a payment of XXXX USD through Wise to a company for a business order. The company accepted the payment but did not deliver the goods/services as agreed and has not provided a proper refund or resolution. After the issue became clear, I contacted Wise and reported the transaction as fraud/scam. I requested that Wise investigate the transfer, explain the outcome of their review, and clarify what recovery or reversal steps were taken. Wise did not provide a sufficient investigation or clear explanation and stated that they did not see this as a scam/fraud, despite the merchant taking the funds and failing to fulfill the order. I have attempted to resolve the issue directly with the company and with Wise, but the matter remains unresolved. I am asking Wise to properly review the fraud/scam claim, provide a clear written explanation of their investigation, and take appropriate steps to recover or refund the funds.

Company Name : Wise Tracking/Complaint Reference Number with Wise : XXXX I am filing a formal complaint against Wise for XXXX predatory merchant practices, failing to protect consumer funds under material misrepresentation, and refusing to utilize its platform infrastructure to freeze or recall a fraudulent transaction. On XX/XX/2026, I utilized Wise to transfer XXXX THB to a premium business account in XXXX named " XXXX XXXX. '' The funds were secured under explicit verbal and contractual promises of service delivery. Immediately upon receiving the funds, the merchant altered the delivery terms, bottlenecked my service, and demanded an extortionate additional XXXX THB to deliver what was originally promised. When I refused, the merchant explicitly stated in writing that they were terminating all communication and customer support while withholding my XXXX THB fee.…

There is a transfer that happened in my Wise account from my client XXXX who paid me for software development services. The amount was of {$250.00}. On XXXX of XXXX the amount was paid. Wise immediately after receiving the payment shut down my account and till now they are sending me crafted response that they are working on releasing the funds to my account hence deliberately dodging. The transfer number was XXXX with the link as follows : XXXX XXXX XXXX They are not giving any details for the transfer and are neither returning money to the sender of the funds hence keeping the funds locked with them which makes no sense. The funds have been with them for more than 20 days now.

Before years ihave account with Transfer wise account with this email XXXX XXXX many times to contact them to open. Account they said my account was locked or closed why

To summarize what has happened : I opened and successfully used my Wise account as an XXXX currently living in XXXX. My primary use of the account was to access my own funds while abroad. To date, I had only used the service a handful of timestwice to pay rent and several times to withdraw cash from ATMs using my digital card. Because I planned to continue living and traveling throughout XXXX, I ordered a physical Wise card so I could access a wider network of ATMs. Shortly thereafter, Wise requested proof of my address in XXXX. I promptly provided the requested documentation. The very next day, my account was closed. When I asked why, I was told that customer support could not provide an explanation. I was instructed to submit an appeal, which I did immediately. However, the appeal process required a utility bill in my name, which I do not have because I rent the ground-floor apartment of a townhouse in XXXX XXXX .…

My mobile phone was physically stolen, along with my passwords and account credentials. Fraudulent transactions were subsequently carried out from my Wise account using the stolen device. During a recorded telephone call with Wise, a representative confirmed that my phone had been stolen and that the disputed transactions originated from the compromised device. I have retained a recording of this call. At the time the fraudulent transactions took place, I was physically present in the XXXX XXXX working shifts for XXXX. I can provide employer timesheets, work records, and location evidence confirming that I was at work when the fraud occurred. I therefore could not have carried out these transactions myself. My account was also accessed from foreign IP addresses in XXXX and XXXX XXXX during the period of the fraud. This activity was entirely inconsistent with my normal account usage. I reported the theft to the police and provided Wise with a police report.…

On XX/XX/XXXX, just like every other Friday, we went to our wise account to process payroll. The system appeared to have technical issues as it asked for us to use a card instead of the ACH option we usually use for same day delivery. Upon selecting the card option, their system just span and did not process any payments. When we tried this option several times on XX/XX/XXXX with no success, the system suggested sending a wire to Wise and then they would fund our wise account so we can pay out of there. A wire was initiated on XX/XX/XXXX in the amount of {$8200.00}. Wise provided us the wiring information and also asked us to include our member number on the wire memo, which we did. about 45 mins after sending the wire, we received an email from wise stating that the sender name did not match the recipient name they have on wise. So they asked for us to resend the wire from an account that has the same name as our wise account.…

On XX/XX/year>, Wise closed my account and retained USD XXXX belonging to me. To this day, Wise has never provided a specific reason for closing my account. Multiple representatives informed me that they could not access or disclose the reason for the closure. I understand that financial institutions may close accounts for regulatory or business reasons. However, what concerns me is that Wise continues to retain my funds without providing a clear explanation, without identifying any issue with the funds themselves, and without providing a definite date for returning my money. There is no legitimate concern regarding the source of these funds. The only person who ever deposited money into my Wise account was my husband, XXXX XXXX. I submitted our marriage certificate and supporting documentation proving that the sender of those funds is my lawful spouse. My husband, XXXX XXXX, owns XXXX XXXX XXXX, a long-established U.S. business that has operated for more than 35 years.…

I am writing to request information regarding my closed Wise account. On or around XX/XX/year>, a Social Security Administration ( SSA ) one-time payment in the amount of {$2600.00} was sent to my Wise account. Shortly afterward, my account was placed under review which i was asked to run a verification and i did perfectly but later closed up. I would like to know the status of this payment and request confirmation of the following : Whether the payment was returned to the sender ( Social Security Administration ). The date the payment was returned, if applicable. Any trace number, reference number, or documentation confirming the return of the fund. This information is important for me to follow up with the Social Security Administration regarding the status of my payment.

On XX/XX/year>2025 at XXXX PM, I used my CashApp card to fund a payment through Wise in the amount of {$1200.00} to XXXX XXXX for participation in an art residency program in XXXX, XXXX. In XXXX 2025, due to political, personal, and professional reasons, I withdrew from the program and formally requested a refund from XXXX. After submitting my refund request, I made numerous follow-up attempts to obtain information about the status of the refund and to resolve the matter directly with the organization. When I was unable to obtain a resolution, I contacted XXXX and Wise and requested assistance regarding the transaction and the outstanding refund. I provided information regarding the payment and sought guidance on available options. Despite my efforts, I did not receive a satisfactory response or resolution from Wise, and XXXX kept deferring me back to Wise. Since that time, I have continued attempting to resolve this matter.…

Individual involved : XXXX XXXX XXXX ( reconnected via social media, claimed to still be a high school friend from XXXX XXXX XXXX XXXX ) Summary of Events : I reconnected with XXXX XXXX XXXX through social media in early XXXX. After several months of conversations, he began pressuring me to invest in software projects. On XX/XX/year>, I sent him {$1000.00} via Wise for development of an XXXX analytics and auto-posting software. He claimed the full-time developer ( XXXX, described as an XXXX software engineer ) would begin work immediately and that the product would generate significant income with minimal effort. On XX/XX/year>, I sent an additional {$250.00} via Wise after he claimed he lost his wallet in XXXX and needed short-term funds.…

In early XX/XX/year>, I requested Wise to cancel XXXX wire transfers totaling {$170000.00} USD. Wise successfully returned {$72000.00}, but I have not received the remaining {$100000.00}. XXXX Complaints Officer later admitted it was caused by a system error on their end. They upheld my complaint, gave me a XXXX reference number ( XXXX ), and paid me {$800.00} in compensation. However, almost 3 months later, I still have not received my {$100000.00}. I have contacted Wise multiple times by email and phone with no resolution.

A Wise account was opened without my knowledge or permission on XX/XX/XXXX. I was traveling on business that week and on that very day I was in XXXX. On XX/XX/XXXX I emailed Wise with my concerns, citing fraud account takeover and my Identity Theft case, They assigned a case number ( attached ) and I attempted several times to complete their instructions to confirm my identity and get me the account data and history. Even using my 6-month-old XXXX, it was not possible to get a decent resolution for my photo ID. I tried to get help from Wise again, but I only received an email with a survey format from Wise on XX/XX/XXXX.