Discount Computer Center

(The consumer indicated he/she DID NOT accept the response from the business.)March 28, I received a marketing email from XoomI click unsubscribe.March 31, I got another one.I want all my information (email, phone numbers) gone from you systemI do not want to receive any marketing materials from XoomI am never going to use your business again.And as of March 31st I still havent receieve my money backIt's been weeks

Initial Business Response / [redacted] (1000, 6, 2015/11/23) */ Ms [redacted] , Please note the following statement concerning credit/ debit card refunds: "Refunds typically reach the customers account two to days after the merchant issues themThis varies by issuing bank." We have confirmation that the refund was successfully issued on 11/6/ We have been in contact with representatives from your bank's payments departments who can assist in tracking the transactionWe recently contacted you to attempt a conference call with the bank and have not since heard from youMost likely the refund has posted to your account, but if the it still has not, our offer to assist is of course open

Initial Business Response / [redacted] (1000, 5, 2015/12/28) */ We appreciate your concernIn cases where incorrect account information has been submitted, it can take some time to obtain a reversalWe are currently working with our partner on this and we will continue to do so until the issue has been resolved to your satisfaction

Initial Business Response / [redacted] (1000, 5, 2015/08/19) */ Mr [redacted] , We appreciate your patience as we investigated your caseWe have moved forward with a full refundWe apologize for this experience Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/08/20) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response / [redacted] (1000, 7, 2015/04/16) */ We sincerely apologize and understand this can be frustrating and am happy to try to explainPayments made with a bank account take 1-business days to complete as part of bank processingIn most cases, we make the transaction available to your recipient before payment processing completes as a benefit to our customersSometimes we're not able to do this for a number of reasons such as a prior payment issue, changes in sending frequency or send amount or concerns with general fraud in a particular regionWe take these steps to ensure your account is safe and that fraud is not occurringAgain, I apologize for the difference in experiences and greatly appreciate your feedback Initial Consumer Rebuttal / [redacted] (3000, 9, 2015/04/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) The concern about fraudulent activity is not acceptable, if your company is concern as such contact your customers not just holding their funds for such a long timeStop advertising that it take a minutes because you are misleading the people.transaction on a Thursday, debited the account on Friday and it was credit the recipient on TuesdayYour company knows the reason that your customers sending money to overseas is for emergency reasons and holding that long is not acceptableEspecially you debited the account immediatelyFraudulent for your customer is great BUT the actions is not acceptable because instead pro-active action by verifying to your customers if this their transaction it easy just to hold the funds I don't see and understand that logicThis is your representative reasons out to me because a concern of fraudulentEspecially if been a customers for such a long time and always sending money to my family because of emergency like this time it's for hospital and then for funeral expenses that is needed as soon as possibleI am so disappointed with XOOM, advertisement and slow in delivering the money Final Business Response / [redacted] (4000, 11, 2015/04/22) */ Again, we apologize for any inconvenience, however Xoom does not hold our customer's funds, everThe 1-day process is time it take for the funds to travel from your bank account to XoomAs we mentioned, most of the time we're able to pay out on our customer's behalf before actually receiving their paymentHowever, in some rare instances, we simply must wait for full payment to be received before we can pay out the transaction

Initial Business Response / [redacted] (1000, 5, 2015/09/18) */ Mr [redacted] , We are glad that we were able to help resolve this issue and we apologize for any inconvenience

Initial Business Response / [redacted] (1000, 5, 2015/04/27) */ We apologize for any inconvenienceWe have since confirmed that the transaction was successfully picked up by your recipientWe appreciate your confirmation of that as well

Initial Business Response / [redacted] (1000, 5, 2016/01/26) */ Xoomcom is in no way related to the service mentionedPlease know there is a energy services company that operates in TX also named XoomIf you'd like to discuss the matter further or you believe that the likely authorization charge was from Xoom.com and related to money services that you did not initiate, please contact us 24/at 877-815-

Ms [redacted] , We're very sorry for any inconvenienceYou submitted your transaction on September 12, The transaction delay you mention is due to payment processingPayments from a bank account can take up to four business days before Xoom receives the fundsWe're usually able to payout on our customer's behalf ahead of receiving payment, but at times for security reasons we must wait for payment to be receivedYou opted to cancel the transaction on September 13, and your refund is in processWe'll have a member of our team reach out to you to discuss the transaction and see how we can help avoid issues like this in the future

Initial Business Response / [redacted] (1000, 5, 2015/10/30) */ We apologize for the transaction delay and appreciate the sender helping us contact the recipient to complete the deliveryWe have sent a $electronic gift card via email to extend our apologies and have refunded the service fee of $at this time

Initial Business Response / [redacted] (1000, 5, 2015/09/02) */ We apologize for any inconvenienceThere was a technical issue that caused the transaction to be cancelledYou were not charged for this transaction Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/09/03) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response / [redacted] (1000, 5, 2015/07/08) */ We apologize for the inconvenienceThe transaction was cancelled for verification and compliance reasonsAs to the payment you're referencing, that is actually an authorization hold which we voidedNo funds were actually collected by Xoom, however an authorization may still be shown by your bank as a chargeAuthorization holds are usually dropped by banks within a couple of business days after payment is not made, and then the funds become available again Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) Ideally in such situations when xoom.com has to verify the person due to compliance reasons then till than xoom.com shall not process the funds out of their clients accountbut if still their is a need to verify then xoom.com shall process only $to ensure client provided valid detailsand then take a decission to debit the customer mentioned amount Final Business Response / [redacted] (4000, 9, 2015/07/14) */ Thank you for the feedbackThe $authorization you refer to only establishes whether the account is activeA pre-authorization prior to settlement for the total amount is common banking practice for debit and credit cardsIt is the delay in settlement that shows that we did in fact wait to ensure that the transaction was valid

Initial Business Response / [redacted] (1000, 5, 2015/08/05) */ Mr [redacted] We are sorry for any inconvenienceAfter reviewing your case it seems as if there is some confusion as to how ACH (eCheck) payment processing worksWhen you submitted the request for transaction XXXXXXXXXXXXXXXX on August 2, 2015, you did in fact authorize us to collect payment for that transactionThe request for payment was submitted to your bank right awayFor ACH payments it can take your bank up to two business days before your bank processes the request and debits your accountPlease note that ACH payments are not proprietary to XoomACH is a widely used form of electronic payment and it's processing time frames are standardAs to the time frame you describe, a week is not accurate and not what our agents explainedWe explained that it can take up to business days before Xoom receives your payment, even though your account has been debitedThe business days is the maximum amount of time it can take, and it very well could be lessOn August 3, you chose to cancel the transaction, and we complied with that requestWe also made you aware of the refund timing for ACH paymentsWe explained that once your funds were received they would then be able to be refunded back to youWe further explained that it can take up to additional business days before your funds are available in your accountOnce again, this is ACH payment processing and not Xoom's processRegardless of the cancellation, you initially authorized us to collect payment for the transactionAs was explained to you by representatives and supervisors the refund is in process and you will receive your money within standard ACH time framesOnce again, we apologize for any confusion and we're reviewing the calls you made to Xoom to see if there were opportunities to better explain how bank account funded payment processing works regarding refund timing expectations

Initial Business Response / [redacted] (1000, 5, 2015/11/24) */ Mr [redacted] , Xoom takes fraud very seriously and we are sorry to hear that your financial information was stolenWe have reached out to you to attempt to resolve the issueWe have sent you an affidavit that allows us to begin our investigation into the matter but we have not received the completed affidavit as of this timeWe of course want to assist you in this matterWe encourage you to return the completed affidavit so that we can continue our investigation

We apologize for the inconvenienceWe will review this and make certain your issue is resolved quickly

Initial Business Response / [redacted] (1000, 5, 2015/12/21) */ It can take some time to process rejected transactionYou refund was issued on 12/8/and you should have received it within a few business days Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/12/22) */ (The consumer indicated he/she ACCEPTED the response from the business.) Very disappointed in how this was handled and why it took several weeks and escalation to Revdex.com to resolveYour customer service team at no point offered any solution or attempt to help me fix this

Complaint: [redacted] I have send the bank statement multiple times per your request.you keep giving me the same answers.you were satisfied with the documents I sent the first time.but your reply was the same.you don't see anything deposited after Dec because there's no deposit made after that date.I am rejecting this response because:Sincerely,Elizabeth [redacted]

We apologize for any inconvenienceWe are working to resolve the issue with our partner in VietnamThe completed status is most likely a mistake made by a teller at the branch, which we will resolveYour money is not lost, and we will ensure that your recipient receives the funds or your money will be refunded to you

Initial Business Response / [redacted] (1000, 5, 2015/10/05) */ We're sorry for the inconvenienceHowever, our advertising is correctYou can send up to $2,to the Dominican Republic for $4.99, however that rate is for payout in pesosThe fee is made completely visible throughout the send processBut, we want to make our new customers happy, so we've refunded the difference as a courtesy

Initial Business Response / [redacted] (1000, 5, 2015/09/22) */ Mr [redacted] , Thank you for the feedbackWe're reviewing your case and we'll be contacting you in order to resolve thisWe apologize for any inconvenience