TransferWise Ltd

On XX/XX/year>, Wise closed my account. On XX/XX/year>, Wise attempted to return my remaining balance to my bank account. However, my bank did not accept transfers from Wise, so the refund was returned back to Wise. On XX/XX/year>, I submitted a complaint to Wise requesting that they resend my funds to a different bank account. As of tonight, XX/XX/year>, I still have not received any response, update, or resolution from Wise regarding my money. I am very concerned because my funds are still being held without any clear communication or timeline for resolution.

Ive had an account with Wise aka Transfer wise for 7 years. Ive recently used the service to send money to an overseas employee and I overpaid them. I had to verify XXXX account to send as its been a year since Ive used it. Once the overpayment was refunded I couldnt receive the funds. I had the sender resend via different currencies and then customer service mentioned I needed to be verified even though I just completed a form of verification and sent money with no issue. I had let them know my status was pending and they let me know that I would need to purchase a bank account from them to receive my funds. Its now been 24hrs with no clear responses and they have taken my biometric data including sensitive company documents and refuse to issue the funds nor will delete my data after being forced to attempt to open a bank account even though I already had a wise account on the platform. Online it mentions that an account with them is free with no mention of a XXXX dollar opening fee.…

I am filing this complaint regarding Wise US Inc.s prolonged failure to release the remaining funds from my Wise Business account after account closure. My Wise Business account for XXXX XXXX XXXX was closed on XX/XX/year>. Wise informed me that if I still had money in the account, I needed to submit an appeal so they could refund it to my bank account. I submitted the appeal and provided withdrawal/refund bank details. On XX/XX/year>, Wise confirmed by email that they had decided to keep the account closed and stated : Now weve completed our checks, well send your refund to the account you indicated during the deactivation procedure. Your refund should arrive within XXXX business days. However, in some cases, it can take up to XXXX business days. The funds were not received within that timeframe. On XX/XX/year>, Wise then contacted me again claiming that the account details I had provided were Wise account details and therefore they could not initiate the refund.…

Wise ( operating under Wise US Inc. ) abruptly deactivated my personal account and refused to reopen it under final internal complaint reference XXXX, citing generic boilerplate terms. I provided the company with 100 % financial transparency, including my official 8-page Government Tax Return from XXXX and XXXX XXXX XXXX XXXX XXXX. These official documents conclusively prove that my recent incoming funds of {$220.00} USD were legitimate personal freelance revenue-share earnings. Wise successfully cleared and refunded my remaining balance to my local bank on XX/XX/year>, which legally establishes that my funds carry zero security, fraud, or anti-money laundering ( AML ) risk. The company references a past warning regarding cryptocurrency in their internal files from months ago. However, their official warning explicitly stated they would only take action if I 'repeated ' that specific transaction type. I strictly complied with that warning and have zero repeated violations.…

PARTIES INVOLVED : Wise US Inc. ( XXXX ID : XXXX ) & Partner Bank : XXXX XXXX XXXX XXXX CHRONOLOGY OF EVENTS : Initial Compliance Hold : A commercial transaction under Transfer # XXXX for the amount of {$770.00} USD was received by my Montana business entity. Wise US Inc. placed a temporary compliance hold on these business funds pending a standard identity and corporate verification process. Proactive Fraud Warning by Consumer : While the verification was being processed, I discovered that the sender 's account environment had been permanently closed/deactivated. Recognizing the high operational risk of the funds being lost in a technical vacuum, I proactively opened two separate urgent customer support tickets with Wise, explicitly instructing and warning them NOT to reverse or bounce the transfer, as the sending account was non-existent and the funds would become trapped. Negligence & Forced Reversal : Wise completely ignored my active support tickets and structural warnings.…

My client paid {>= $1,000,000} XXXX through Wise on XX/XX/year> and the money still hasnt been received. My client has called Wise numerous times to complain and I complained on XX/XX/XXXX and XXXX with XXXX response. I emailed XXXX XXXX to complain with no response.

My checking account was debit/withdraw of {$400.00} on XX/XX/year>. The secondary description says XXXX XXXX and from a company called Wise with a phone number of XXXX. I called Wise provided them the details, but they said they have no information about the transaction. I called my credit union and had them cancel my debit card and send me a new one.

XXXX XXXX XXXX XXXX XXXX Existing profileld : XXXX, Full name : XXXX XXXX XXXX XXXX XXXX Profile type : PERSONAL, Source : XXXX XXXX, Target : XXXXXXXX XXXX This message is from Wise Payments Limited ( trading as Wise ). Registered in XXXX and XXXX ( No. XXXX ), Wise Payments Limited is an authorized Electronic Money Institution, regulated by the XXXX XXXX XXXX ( Firm Reference XXXX ). By using our services, you're agreeing to our customer agreements. Wise Payments Limited XXXX. All rights reserved. Note : Investment services are offered through Wise 's regulated subsidiaries. For information regarding your Jar or Assets account, please refer to communications from the respective investment entity.

My account is deactived. I know that your team refunded me but my bank account is problem so my money sent back to Wise. I asked your team refund to my friend 's account from XX/XX/year> but they haven't refunded it yet

On XX/XX/2026, an unauthorized, manual-entry charge of {$130.00} was processed on my Wise debit card ( ending in XXXX ) by a merchant named XXXX XXXX XXXX XXXX. I did not authorize this specific dollar amount, nor did I ever sign a Card-on-File ( COF ) agreement or Financial Policy allowing this merchant to securely store my payment data and initiate manual charges without my presence. The merchant relied solely on an automated text message stating a fee " may '' apply for a cancellation, which did not disclose a specific amount and does not constitute a valid Visa Card-on-File authorization agreement. I disputed this unauthorized electronic fund transfer with my financial institution, Wise. I provided proof of the text message, the merchant 's vague online policy, and the fact that no signed agreement exists. However, Wise has refused to properly investigate or process the chargeback under Visa rules or the Electronic Fund Transfer Act ( Regulation E ).…

In XX/XX/year>, XXXX XXXX placed multiple pre-authorization holds on my Wise debit card during a cruise. My final onboard folio was fully settled and paid upon disembarkation. However, the pre-authorization holds remained active for more than 30 days, restricting access to my funds and causing overdraft/financial issues. I contacted XXXX XXXX multiple times and was told they could not release the holds and that the issue was with my bank/card issuer. I then contacted Wise multiple times and filed disputes for each stale authorization. Wise continued to state that the transactions were still pre-authorized and did not provide a resolution timeline or manual release process. These duplicate/stale authorizations continued to tie up my funds despite final settlement already being completed by the merchant.…

I paid approximately XXXX XXXX to activate a Wise Business account because I needed the payment link feature that allows customers to pay using credit cards. This feature was one of the main reasons I upgraded and paid for the business account. After completing payment and account activation, I discovered that the payment link and credit card payment feature was not enabled on my account and remains unavailable. I was not clearly informed before payment that the feature would not be immediately accessible or that additional approval or activation delays existed. Because of this, my business experienced delays in accepting customer payments and interruptions in normal operations. I contacted Wise support to request clarification and activation of the feature, but the issue has not been resolved within a reasonable timeframe.…

A merchant ( Grok ) charged my Wise account approximately {$10.00} during what was advertised as a 3-day trial offer on XX/XX/XXXX. I contacted the merchant on the first day requesting cancellation and a refund after I learned of the charge. I submitted evidence to Wise, including screenshots showing 3 attempts to the merchant ( XXXX ) : * my prompt refund/cancellation request for refund on first day of trial Wise denied my dispute, stating they could not confirm the transaction was unauthorized. However, my concern is that the dispute appears to have been reviewed only as an unauthorized transaction claim rather than as a merchant billing dispute involving trial terms, cancellation during the trial period, and refusal to refund. I requested clarification regarding why the evidence submitted was considered insufficient, but I did not receive a meaningful explanation addressing the substance of the billing dispute.…

I am filing this complaint against Wise for gross operational negligence regarding a {$770.00} payment ( Transfer ID : XXXX ). The Timeline of Negligence : 10-Day Hold : Wise held my business funds for 10 days while my identity verification ( Passport under renewal ) was pending. I provided official proof of the renewal process. Explicit Warnings : During these 10 days, I filed XXXX formal complaints ( Ticket XXXX and Ticket XXXX ). I specifically warned Wise multiple times that the sender had already received my services and was no longer responding. I explicitly requested Wise NOT to refund this specific payment as I feared a fraudulent reversal. The Failure : Despite two active investigation tickets, Wises automated system ignored my human-filed warnings and processed a refund on XX/XX/year>. This refund was sent back to a sender whose account was reportedly blocked/closed by XX/XX/XXXX.…

On XX/XX/year> I made a money transfer to XXXX XXXX through the app Wise. It was the first time I sent with them. First at all they offered me to charge XXXX $ but they finally charged XXXX. ( Misleading advertising ) I sent XXXX $ but they ( without ask ) discount to my beneficiary XXXX because some fees they never told me. I just knew when the Sent was done. It means my beneficiary just received XXXX .. causing a big damaged because they never mentioned anything about it and my family expected the total amount. Its total abusive

On XX/XX/year>, I made a {$420.00} debit card purchase from a temporary vendor operating out of a XXXX in a shopping center parking lot in XXXX which is in XXXX, Colorado. Within approximately XXXX hour, I returned all items fully intact, unopened, and still frozen. The merchant informed me that the transaction was still pending and would be canceled. Despite this, the transaction later posted to my Wise account and no refund was issued. When I returned to the location the following day, the vendor was no longer present. The transaction was later identified as being processed by XXXX XXXX XXXX, but the merchant appears to be a mobile operation with no reliable contact information. I disputed the transaction with Wise and explained that this was not buyers remorse, but a case of misrepresentation because I returned the goods promptly and was told the charge would be canceled.…

COMPANY : Wise US Inc . PRODUCT : Money transfer, virtual currency, or money service ISSUE : Problem with a money transfer DESCRIPTION OF COMPLAINT : On XX/XX/year>, I used my Wise debit card to withdraw XXXX ( XXXX ) from an ATM located at XXXX XXXX XXXX XXXX, XXXX ( Transaction ID : XXXX ). The money was debited from my Wise account, but the ATM did not dispense any cash. I received nothing. I immediately reported this to Wise. Wise opened a dispute and initially provided me with provisional credit. However, Wise subsequently accepted an ATM audit log from the machine operator as sufficient evidence that the cash was dispensed, closed my dispute, and clawed back my provisional credit. The ATM audit log Wise relied on contains the notation 'XXXX ( XXXX ) " meaning two notes were rejected during the dispense cycle which is direct evidence of a mechanical malfunction.…

On XX/XX/year>, a transfer of approximately {$50000.00} XXXX was sent from XXXX XXXX to Wise Payments XXXX XXXX. On XXXX XXXX XXXX, Wise Payments XXXX XXXX processed a return transfer through its banking partners, including XXXX XXXX XXXX in XXXX. The transaction references indicate a return of the original payment dated XX/XX/year>. However, the return transfer has not completed through the expected banking chain back to the originating account. The expected return path was XXXX to XXXX XXXX to XXXX XXXX , back to the originating account. However, the return transfer has not completed. As of today, XX/XX/XXXX, the funds have been unaccounted for since XX/XX/year>. We contacted XXXX XXXX directly, and they confirmed they have not received the returned funds in any capacity. This indicates the funds are currently held somewhere upstream in the banking chain ( likely at XXXX or XXXX ). Since XX/XX/year>, I have been in active communication with Wise support.…

I sent two wire transfers from my XXXX bank ( XXXX ) to my Wise US account with IDENTICAL recipient details : Transfer 1 : {$100.00} on XX/XX/year> ( XXXX : XXXX ) - SUCCESSFUL, processed by Wise Transfer 2 : {$43000.00} on XX/XX/year> ( XXXX : XXXX ) - REJECTED by Wise Both transfers used the exact same recipient information : Account number : XXXX Routing number : XXXX XXXX : XXXX Bank : WISE US INC . Beneficiary : XXXX XXXX I used the successful {$100.00} transfer as a saved template in my bank 's system and only changed the amount to {$43000.00}. It is impossible that I entered different recipient details. Wise rejected the second transfer, and the intermediary bank ( XXXX XXXX ) charged me {$76.00} in fees before returning the funds.…

I initiated an international transfer from my bank in XXXX to my bank account in the United States through Wise ( Transfer ID : XXXX ). I am a long-standing Wise customer and have previously completed multiple international transfers, including transfers from XXXX ( XXXX XXXX XXXX ), without issue. After initiating this transfer, Wise requested identity verification. I fully complied and submitted all requested documents multiple times. Specifically, I provided all forms of government-issued identification available in XXXX : XXXX XXXX Drivers License - XXXX XXXXXXXX ( XXXX National Identity Card ) - XXXX Passport Despite submitting all required identification, Wise repeatedly rejected my documents for inconsistent and contradictory reasons, including : - Stating that my ID was not accepted, despite Wise documentation indicating otherwise - Claiming my face was not sufficiently visible, then later requiring submission without my face - Rejecting my XXXX National ID for lacking an…

I opened my Wise account in XXXX, 2026. It was suggested to me to use Wise to pay for a virtual assistant who is assisting me with running business reports. Once my account was opened and verified by Wise, I subsequently sent two payments without issue. Those payments were as follows : XX/XX/year> for XXXX {$240.00} XX/XX/year> for XXXX {$350.00} I was sending a third payment on XX/XX/XXXX and received the message Your transfer of XXXX USD to XXXX is set up. Your money will get to us in 3 working days. Later in the day on XX/XX/XXXX, I received the following message : Weve paused your transfer until we can verify your bank account. We need to make sure that this account is yours before we can complete your transfer. Please upload a copy of a bank statement that clearly shows your full name and account number your bank should be able to provide you with a PDF of this. I complied with the request and uploaded an XXXX bank statement.…

XX/XX/year>, I attempted to transfer funds from my Wise account to a company in XXXX. I logged into the Wise website without issue as I have for the past four years or so. When attempting to finalize the transaction I was prompted to complete a two-step verification process by Wise. This is also a process I have bee able to complete at various times and have used this transfer service for a similar transfer only months earlier without issue. The process I selected for two-step verification requires a phone call to my voice phone with the required code. On this particular occasion, no call was ever received although several attempts were made without success. I have contacted the Wise support team multiple times and tried various solutions with different phone numbers as they have suggested without success. One solution they seem to emphasize is for me to register a cell phone service which I do not use and do not plan to acquire.…

Today I tried to pay a friend back using XXXX. When I went to pay it said that my USD would be XXXX for XXXX XXXX, with a XXXX cent transfer fee. I approved. Then, while it was processing, it suddenly switched the amount to XXXX XXXX- draining my account, increasing the USD I was spending, and charging an even higher transfer fee. When I called to fight it they refused to process a reversal, escalate to someone that could help, and said it would take several days to resolve. I was told I needed to file a complaint, I said I needed to speak with that department asap since this was essentially all of my money. The fraudulently switched the amount, refused to connect me with the proper channels, and put me in an unspeakable position. I have no idea if I will be able to afford the bills I have paid from my checking account. I will lose XXXX of dollars in transfer fees. The conversion rate even shifted while I was trying to sort this out on the phone.…

On XX/XX/year>, I initiated a USD {$2800.00} transfer from my business account ( Transfer XXXX XXXXXXXX ). The recipient institution rejected the payment on the same day. I subsequently provided the company with the XXXX and XXXX ( Output Message Accountability Data ) tracking numbers, which are the Federal Reserve 's definitive receipts confirming the funds were received by the companys partner bank. Despite the company formally acknowledging in multiple emails that these tracking numbers are valid, they have refused to credit my business balance. Instead, they repeatedly state the funds are " in transit, '' which contradicts the nature of an OMAD receipt. Furthermore, my account dashboard incorrectly lists the transfer status as " COMPLETED, '' which prevents their automated bounce-back workflow from triggering. As a business account holder, this is a violation of UCC Article 4A-404, which obligates a beneficiary bank to pay the beneficiary once a payment order is accepted.…

My wallet and cellphones were stolen late early morning on XX/XX/year>. Thieves were able to access my account using my cellphone. When I learned of the theft and was able to login to the accounts I immediately notified the financial institutions of the affected accounts to notify them of the fraudulent transactions. Wise was used to transfer cash from my bank /credit card accounts for immediate transfer to unknown third parties. Approximately {$5000.00} was taken.

At approximately XXXX on the XXXX XXXX XXXX XXXXXX/XX/XXXX, I attempted to withdraw XXXX XXXX from my WISE euro account. That transaction was canceled, as you can see from the receipt from XXXX XXXX. However, my account was debited for XXXX euro plus charges of XXXX euro for a total of XXXX euro. I only learned of this debit several hours later when I checked my account. As soon as I learned of the error, I contacted WISE. I was told that I had to wait for a certain period of time, seven days if I remember correctly, before I could dispute the transaction. As the initial transaction was denied/canceled, the screen displayed the message please select a different amount, I chose XXXX euro. Another message appeared about accepting the exchange rate or not. I was confused as I was withdrawing money in euro from my euro account. In a panic, I accepted the exchange rate and was debited a criminal amount to access my money. But so be it. That was my mistake.…

XXXX XX/XX/XXXX : transaction made to XXXX XXXX XXXX XXXX in the amount of {$400.00}. XXXX XX/XX/XXXX : transaction made to XXXX XXXX XXXX XXXX in the amount of {$600.00}. What happened here was an annoying kind of scam : Business offers a specific service, is paid for that service, and fails to deliver such a service. Red flags only hit right after the second transfer, after which I contacted XXXX demanding a full on refund. After " promising '' to get back to me the next day, XXXX did not return any calls and ghosted the line. Someone else ( unknown name/source ) from within the same department area knew what was going on, and gave me the warning and instruction to file chargeback with my back, assuring me this was a scam. Phone records can later be pulled to provide this evidence. Unfortunately, my bank ( the one attached to Wise Bank ( the XXXX party interest ) ), took out this charge back on Wise instead of the scammer.…