RIA Financial Services

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below( Offer is on file with Revdex.com)
Ria financial services IS deceptive and their flimsy response to my Revdex.com complaint validates this assertion.- I provided all information that Ria ever requested. I was never asked for supplemental info during the transfer process, after the process in order to resolve it nor during Ria's so called "investigation".- The name I provided is my LEGAL name and the EXACT name and SSN used on my bank account. My bank account name and the name I provided to Ria are identical.- Ria successfully deposited to and withdrew "test" amounts of money from my bank - This proved who I say I am and that I am the owner and have access to the account I provided.- I was never asked for additional information by Ria or any "3rd party verification" service, even when phoning customer service.- Ria is hiding behind some 3rd party "verification" service to excuse to hide its bad behavior. It is also trying to divert any remedy to THEIR sub-contracted 3rd party verification service. Ria collected it...Ria can ensure the information is wiped clean no matter where its stored IF they chose to not accept my transfer request.- I will allow that the IP address may be a concern. I spend a great deal of time overseas as a representative of the US Government and did initiate this transfer from an overseas location. Even so, I explained this to the customer service rep. Its clear Ria was not going to be cooperative even after the phone discussions I had with customer service.- I have used Ria's competitor XOOM.com successfully for years. Because Ria offers a 'slightly' better exchange rate I was willing to give them a try. Now they (or their sub contractors) have taken my sensitive personal and banking information, have FAILED to fulfill my lawful transfer order and claim "they do not have access to or oversight of" the sensitive info they collected. This is GARBAGE.Finally, when I tried to resolve this issue via Ria "customer non-service" rep, I was given NO help other than told to show up in person with cash to one of their physical service centers. I asked multiple times, "how can we move this transfer forward". Ria's response was both non nonsensical and non helpful IF my identity is compromised based on the info I provided to RIA, I will surely point law enforcement Ria's sloppy and unhelpful treatment.To Revdex.com. Please clearly flag Ria as an untrustworthy business and warn other customers of its propensity for extremely poor customer service and unsavory business practices (collecting highly sensitive info and then NOT fulfilling their obligation to process).At a minimum, I would have expected Ria to offer a re-send of my transfer...but as you can see from their reply, they've "doubled down" on an inflexible, unhelpful position
Regards,
* ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***
First they did not tell me why the transfer did not go throughWhen I asked why they told me it is was an internal matter they could not discussThat is unsatisfactory to a counter like myselfIf they want to reject a transfer finBut when asked why it was rejected don’t pass on a government type excuses of its an internal matter or some half baked story like thatBE A MAN AND EXPLAIN YOUR DECISIONS, NOT HIDE BEHIND POLITICAL GAMES LIKE THEY DO IN WASHINGTONThat is they only reason I can see them doing this, they are hiding something and they do not wish to discuss it, than let me tell you a piece of advice get out of the business if you do need ot wis( to talk about your decision making process

Revdex.comServing San Diego, Orange & Imperial CountiesAttn: Ms*** ***Viewridge Avenue #200San Diego, CA 92123-1688Re: Complaint ID ***Customer Iffat S*Dear Ms***:ViaFedExTracking No***My name is *** E*** and I am Legal Counsel
for Continental ExchangeSolutions, Inc., dba RIA Financial Services ("RIA")This letter constitutes RIA's fonnalwritten response to Complaint ID *** (the "Complaint")I respectfully request thatyou direct all future communications regarding Complaint ID *** to my attention.As a follto my call to your office on August 10, 2015, RIA would like to assurethe Revdex.com that RIA takes seriously and fully investigates all consumer complaints filed withthe Revdex.com in order to resolve any and all issues by taking the necessary and appropriate actionto fulfill its legal obligations to its customers and to provide to its customers the best possiblecustomer service.RIA has conducted an investigation of the issues set forth in the ComplaintRIA'sresearch reveals that customer Iffat S*** placed a money transfer transaction (No.US*** on May 14, in the amount of USD $1,throughriamoneytransfer.com, RIA's on-line money transfer service, to be paid out to her designatedbeneficiary located in PakistanBy way of brief background, when a customer places amoney transfer transaction through riamoneytransfer.com, the customer is prompted by thewebsite to select a payment method for the transactionWhen Ms*** placed transactionNoUS ***, she opted to pay for the transaction with funds from her bank account.In the F AQs page, riamoneytransfer.com informs the customer that when it elects to sendmoney via a bank account, the processing time may take approximately four ( 4) businessdays from when the customer verifies the micro deposits that RIA will place in thecustomer's accountThe customer is also informed that this is because it takes time for RIAto veri with the customer's bank that the funds are in fact availableHowever, when theCONTINENTAL EXCHANGE SOLUTIONS, INCA Euronet Worldwide Company ~ WOALDW&DaRevdex.comServing San Diego, Orange & Imperial CountiesAttn: Ms*** ***August 14, 2015Pageof2the required time limit, the transaction cannot be processed and is cancelledThat is whatoccurred with transaction NoUS***Since Ms*** did not complete the stepsnecessary to verify her bank account, transaction NoUS *** was automaticallycancelled by RIA's system on May 24, Please note that no funds were debited fromMs***'s bank account by RIA in regards to transaction NoUS***.On May 27, 2015, Ms*** placed a second money transfer transaction, No.US*** in the amount USD $1,through riamoneytransfer.com, to a designatedbeneficiary located in PakistanShe opted to pay for the transaction via her bank account andcompleted the necessary steps for account verificationAccordingly, RIA debited the fundsfrom her account and proceeded with processing the orderOn or about June 8, 2015, inresponse to Ms***'s inquiry regarding the status of transaction NoUS***, RIAreached out to the correspondent paying bank in Pakistan to determine the statusDue to thetime difference between California, the location of RIA's headquarters, and Pakistan, thelocation of the paying bank, there were some reasonable delays in communications betweenRIA and the correspondent paying bankOn June 9, 2015, RIA was able to confirm with thepaying bank that transaction NoUS*** had not been paid out to the beneficiaryAtsuch point, in accordance with Ms***'s request for a refund of transaction No.US***, RIA commenced the cancellation and refund processOn June 19, 2015,RIA issued a refund of transaction NoUS*** in the amount ofUSD $1,toMs***'s bank account.RIA apologizes for the inconvenience caused to Ms*** by the delay in refundingmoney transfer transaction NoUS ***Please be advised that such delay was anisolated incident and that RIA intends to review its procedures to determine what steps RIAcan implement to avoid any such occurrences in the future.Finally, it is RIA's position that because RIA has fulfilled its obligation to refund Ms.*** for transaction NoUS ***, the Complaint should be deemed resolved andthus closedWe also respectfully request that the Revdex.com remove any and all negative ratingassigned to RIA related to the Complaint.If you would like to discuss this matter further with RIA, please feel free to contactme directly at 562-***Regards,*** E***, Legal Counsel

Dear M***:I am responding to your message submitted to the Revdex.com (“Revdex.com”) in which you expressed dissatisfaction with the response of Ria Financial Services (“Ria” or “we” or “our”) to your original complaint that you submitted to the Revdex.com on July 29, 2015.As indicated in our prior response, we have concluded our investigation into this matter and determined your claim to be invalid.We regret that we were unable to complete the above-referenced money transfer order, which was ultimately rejected on the basis of your failure to provide additional requested documentation to verify your identifyWhile we understand your frustration with this decision, I would direct you to our Terms & Conditions (available at https://www.riamoneytransfer.com/legal/terms-and-conditions), which provide that we may, in our sole discretion, reject a proposed money transfer.With respect to your concern regarding our treatment of your personal information, I would direct you to our Privacy Policy (available at https://www.riamoneytransfer.com/legal/privacy-policy), which includes detailed provisions regarding Ria’s collection (including through service providers acting on our behalf), use and treatment of personal information.Upon visiting Ria’s website and attempting to conduct a transaction, both our Terms & Conditions and Privacy Policy became applicable to you.We regret that as a result of our policies you were not able to have a more satisfactory customer experience, and we would welcome the opportunity to serve your needs for international payments in thefuture.Regards,*** ** ***Senior Legal Counsel

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.This is my bank statement from *** *** Credit Union , included in the dates are the transactions from RIA financial services that took out $on different days , from my debit card which is on file with RIA financial services.Basic Checking *** Make a transferExportPrint ‹‹ Aug - Aug 31, 2015 days ›› Narrow by items containing DateDescriptionDepositWithdrawalBalanceDateDescriptionDepositWithdrawalBalance08...⇄ Of Sale Withdrawal / *** *** *** $28.00-$28.0008/31/2015Overdraft Protection Deposit$51.06 $0.0008/31/2015Point Of Sale Withdrawal / WWW.RIAFINANCIAL.COM *** *** $32.00-$51.0608/31/2015Point Of Sale Withdrawal / WWW.RIAFINANCIAL.COM *** *** $32.00-$19.0608/31/2015Deposit Internet Transfer from / *** ***$28.00 $12.9408/31/2015Point Of Sale Withdrawal ** * *** #*** *** *** $4.77-$15.0608/30/2015Point Of Sale Withdrawal / *** *** *** *** $5.75-$10.2908/30/2015Point Of Sale Withdrawal / *** *** *** *** *** $4.54-$4.5408/29/2015Overdraft Protection Deposit$3.97 $0.0008/29/2015Point Of Sale Withdrawal *** / *** *** *** *** $3.36-$3.9708/29/2015Point Of Sale Withdrawal *** / *** *** *** *** $2.35-$0.6108/29/2015Point Of Sale Withdrawal / *** #*** *** *** $4.26$1.7408/28/2015Withdrawal Internet Transfer to / *** *** $0.19$6.0008/28/2015Point Of Sale Withdrawal / WWW.RIAFINANCIAL.COM *** *** $32.00$
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
yes miss *** they promised me a refund on record they are trying to use california laws to weasel there way out of payingThey failed to mention that the scammer is also not held criminal responsible:(
Regards,
*** ***

To Whom It May Concern:We are in receipt of the complaint filed with the Revdex.com about the above-mentioned transaction.We would like to inform you that our investigation concerning the complaint the Consumer submitted regarding the abovemoney transfer has concluded. The complaint...

noted that Ria Financial Services (“Ria”), failed to issue the Consumer a refund.Our investigation has determined that that no error occurred while processing the refund request.In reference to your money transfers we would like to inform you, while placing a money transfer with Ria the transactionsbecome subject to terms and conditions of Ria Financial Services. Terms and Conditions can be found athttp://www.riafinancial.com/global/terms-and-conditions/us.aspx. Via our Terms and Conditions Ria reserves the right, inits sole discretion to reject a proposed Money Transfer. As per our protocol, the above money transfer was immediatelyrejected due to prevention measures and was funds were reverse to your debit/credit bank account.As a result of the rejection Ria never charged you for the rejected transaction. When the Consumer placed the transaction, anauthorization hold was placed. This is a common bank practice handling credit/debit card transaction to ensure sufficientfunds and account authenticity. An authorization hold (also card authorization, preauthorization, or preauth) is the practicewithin the banking industry of authorizing electronic transactions done with a debit card or credit card and holding this[redacted]nce as unavailable either until the merchant clears the transaction (also called settlement), or the hold "falls off”. Debitand credit card authorization holds can fall off the account (thus rendering the [redacted]nce available again) anywhere from 1–30days after the transaction date depending on the bank's policy. If the Consumer needs help speeding up the process, theConsumer can contact the issuing bank of his/her debit/credit card and speak to management. Or if the Consumer still feelsPage 2 of 2that Ria Financial Services did charge for the rejected transaction, please have the Consumer provide a bank statement inwhich the charges reflect on.We sincerely appreciate the opportunity to serve your needs for international payments and thank you for choosing RiaFinancial Services. Please do not hesitate to contact our Compliance Department – Resolution of Complaints via mail at 6565Knott Avenue, Buena Park CA 90620 or via email at [email protected] should you have any furtherquestions or concerns.Sincerely,[redacted]Vice President – Compliance Officer

To Whom It May Concern:We are in receipt of the complaint filed with the Revdex.com regarding the above- referenced money transfer. Asyou are aware the Complainant is a beneficiary to the above referenced transaction, therefore we do not hold a service orcontractual relationship with the...

beneficiary. However, in good faith, we will still respond to the complaint.We would like to inform you that our investigation concerning the complaint regarding the above reference money transferhas concluded. The complaint noted that Ria Financial Services “Ria” unreasonably placed the transaction on hold. Ourinvestigation has determined that we are not at fault and thus are not responsible for any losses that may have occurred.After placing a money transfer with Ria, the transaction is subject to terms and conditions of Ria. Terms and Conditions canbe found on the receipt and at http://www.riafinancial.com/global/terms-and-conditions/us.aspx. Via our Terms andConditions Ria reserves the right, to: (i) reject a proposed money transfer; (ii) limit the amount of a money transfer; (iii) requireadditional information to complete a money transfer; and/or (iv) take reasonable measures with respect to a money transfer tocomply with applicable laws and regulations.Furthermore, as a statutory obligation via The Uniting and Strengthening America by Providing Appropriate Tools Requiredto Intercept and Obstruct Terrorism Act, (USA PATRIOT Act), we must identify and know our customers. Therefore, inaddition to the personal details, we must have sufficient information to understand the purpose of the transfer and therelationship between the sender and the beneficiaryIn addition, Ria has built enhanced technology into our computerized transaction monitoring system (TMS) to assist in theidentification and prevention of money laundering, terrorist financing and fraud. The system has “real time” prevention and“post-monitoring” capabilities. Each transaction that is logged by the TMS is analyzed by a Transaction Reviewer toPage 2 of 2determine whether it merits full investigation and reporting. The Fraud Department will conduct further investigation whichmay include contacting the consumer by telephone and conducting an interview to gather additional information tounderstand the purpose of the transfer and the relationship between the sender and the beneficiary.The transaction triggered a manual fraud and money laundering prevention review, which resulted in a telephone interview.On February 22nd, 2018, the same day the transaction was placed, a Transaction Reviewer attempted to contact the Consumerto understand the relationship between the Consumer/Sender and Beneficiary, but was initially unsuccessful in speaking to theConsumer. As a result, the transaction was placed on hold and unavailable to be paid till the Consumer confirmed therelationship with the Beneficiary. While the transaction was on hold, the Beneficiary attempted to collect the funds, but wasdenied payment as a result of the hold. Once our Fraud Department was able to validate the relationship, the transaction wasmade available to the Beneficiary. On February 24th, 2018, the Beneficiary successfully collected the funds.Based upon our investigation into the Beneficiary’s complaint, we have determined that Ria Financial Services did everythingunder its control and followed all protocols in the handling of the transaction. We sincerely regret the inconvenience this mayhave caused.Lastly as per our terms and conditions, Ria is not liable for any damages including without limitation, any direct, indirect,special, punitive, incidental or consequential damages. This also includes a beneficiary of a transaction, as we do not hold aservice or contractual relationship beneficiaries. We will not be compensating the Beneficiary for the request gas and timespent at the [redacted] location.Contingent to any new pertinent information you provide, we would be pleased to reconsider our decision.Please do not hesitate to contact the Compliance Department – Resolution of Complaints via telephone at (844) 698-2732 orvia email at [email protected] should you have any further questions or concerns.Sincerely,[redacted]VP Compliance Officer, Americas

Thank you. The complaint has been resolved. No further action from Revdex.com needed[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I didn't received any gift-card on or after Jan 27th 2015. When I called customer service and explained my situation they have no clue what is this about. also in the mean time I found same issue happening with other two referrals I did and I get the same response from customer service saying they didn't followed the procedure. I am ready to get confirmation from those person saying that they heard RIA from me for first time and they registered in RIA from my email reference. Here are the id's[redacted]  - Customer service confirmed he didn't following my link[redacted] - still in investigationThis is really frustrating for me to follow up on referrals, despite of encouraging my friends to register in RIA and make transactions diverting them from existing money transfer websites.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

Dear [redacted]:We are in receipt of the review you made with the Revdex.com regarding your money transfer.We would like to inform you that our investigation concerning the complaint has concluded. Your complaint noted that RiaFinancial Services “Ria”, failed to deposit your money to...

the appropriate bank account. Our investigation has determined thatthis is in invalid claim.While placing the money transfer, you were provided with a Pre-Order Confirmation receipt. The Pre-Order Confirmationreceipt referenced your transaction details including the Beneficiary details and bank account number. The Pre-OrderConfirmation receipt allowed you an opportunity to review the details of your transaction including the bank account numberin which the funds will be deposited in and elect to move forward with the money transaction. You had elected to moveforward in submitted the money transfer.Additionally after placing the money transfer, you were provided a receipt. The receipt also included details of the transactionincluding the Beneficiary’s bank account number. Please see Attachment A, of your receipt which includes your signatureacknowledgment.At any point of your transaction but prior to it being payout to the beneficiary, you were provided multiple opportunities tocancel or modify the transaction for any reason. Our records show that you did not contact our customer service to correctthe Beneficiary bank account number.Based on the above reasons, we have determined that Ria did not fail to deposit your money to the appropriate bank depositaccount, but instead we deposited the money into the account number that was directly provided by you. We have determinedthat Ria did everything under its control and followed all protocols in the handling your transaction. We sincerely regret theinconvenience this may have caused you. However, we are not able to refund or exchange your transaction.Lastly, at Ria, customer satisfaction is something that we take very seriously and would never compromise under anycircumstances. As an extra measure to our unconditional commitment to customer satisfaction, we have been actively and willcontinue to assist you in placing a request with the beneficiary’s bank to recall the funds that were deposited in the incorrectaccount you provided. Since the funds of the transaction belong to you, we are not able to request to recall the fund, only theowner can.We have advised you that a Letter of Indemnity will need to be submitted to the Beneficiary’s bank. However if theBeneficiary’s bank may not honor the Letter of Indemnity, you will need to work with the Beneficiary to reclaim the funds asyou provided incorrect information to facilitate the order. We have been assisting you in submitting a Letter of Indemnityhowever we are still pending required information from you, such as the beneficiary branch location.Contingent to any new pertinent information you provide, we would be pleased to reconsider our decision.Please do not hesitate to contact the Compliance Department – Resolution of Complaints via telephone at (844) 698-2732 or viaemail at [email protected] should you have any further questions or concerns.Sincerely,[redacted]Vice President – Compliance Officer

March 1, 2017Sent via Revdex.com Portal[redacted]Re: File No. : [redacted]Internal Money Transfer No. : [redacted] / [redacted] Transfer Amount : $895.00 / $920.00 Sender : [redacted]Dear Mr. [redacted]:Thank you for contacting Better Business...

Bureau regarding your recent money transfer transaction. We are proud to be the remittance transfer provider of your choice when you send money abroad to family and loved ones. Your experience as a customer is of utmost importance to us, and we hold your complaint with the highest regard.We would like to inform you that our investigation concerning the complaint regarding the above money transfers has concluded. Your complaint noted that Ria Financial Services, failed to honor your cancellation request in your attempt to increase sending amount. Our investigation has determined this to be an invalid claim.After placing a money transfer with Ria Money Transfer the transaction is subject to terms and conditions of Ria Financial Services. Ria Money Transfer Cancellations and Refunds terms and conditions can be found at http://www.riafinancial.com/global/terms-and-conditions/us.aspx. Via our Terms and Conditions, if you instruct us to pay a money transfer to a designated recipient and later request that we stop the payment of such transaction, we will need to check first with the paying agent to determine if the money transfer has been paid to the recipient. That is if you instruct us to pay a money transfer to a designated recipient and later request that we stop the payment of such transaction, we will need to check first with the paying agent to determine if the money transfer has been paid to the recipient. If we can confirm that payment has not been made, the money transfer will be cancelled and we will refund the amount of the money transfer, including the service charge once we receive it from the paying agent.It has been confirmed via audio recordings of your interactions with our Customer Service team that you were clearly informed that your transaction was already sent to our Paying Agent, and that we would need to confirm that the payment was not paid out prior to canceling the transaction for a refund. Furthermore, you were informed that you would receive an electronic mail confirming if the transaction was canceled.Prior to receiving confirmation that your transaction was or was not eligible to be cancel, you elected via your own sole discretion to send a second transactions in the amount of $925.00 which reflected the increase amount you wished to send originally. We are not responsible to know your financial status and available bank balance to complete such transaction. Since you elected to make a second transaction, prior to ensuring the cancellation status of the first transaction, you personally place yourself at risk for return payment fees and overdrafts. Based upon our investigation into your complaint, we have determined that Ria Financial Services did everything under its control and followed all protocols in the handling of these transactions.We sincerely regret the inconvenience this may have caused you. However, as per our Terms and Conditions, Ria Financial Services is not liable for any damages including without limitation, any direct, indirect, special, punitive, incidental or consequential damages. Therefore, we will not be providing the requested compensation over expenses and inconvenience.We regret that as a result of our policies you were not able to have a more satisfactory customer experience, and we would welcome the opportunity to serve your needs for your remittance payments in the future. Please do not hesitate to contact the Compliance Department – Resolution of Complaints via telephone (844) 698-2732 or via email at [email protected] should you have any further questions or concerns.Sincerely,[redacted] Assistant Compliance Officer

This letter is in response to your message submitted to the Revdex.com (“Revdex.com”) in which you expressed dissatisfactionwith the response of Ria Financial Services to your original complaint that you submitted to the Revdex.com on January 24nd, 2016.As indicated in our prior response, we have...

concluded our investigation into this matter and determined your claims to be invalid.Your complaint noted that we illegally requested personal information. Our investigation has determined this to be an invalidclaim.We regret that we were unable to complete the above-reference money transfer order, which was ultimately rejected on the basis ofyour attempt to use our services for commercial purposes.Your transaction triggered a manual review as per our Customer Identification Program. During the review interview, you hadadmitted the transaction was for commercial purposes and were advised the Ria Financial Services does not process transactions forcommercial purposes. It is against our Terms & Conditions to use our service for commercial purposes.Due to the above reasons your transaction was unable to be completed. Your transaction was rejected and refunded due to usingour services for commercial purposes.We regret that as a result of our policies you were not able to have a more satisfactory customer experience, and we would welcomethe opportunity to serve your needs for your remittance payments in the future. Please do not hesitate to contact the ComplianceDepartment – Resolution of Complaints via telephone at (562) 345-2100 or via email at [email protected] you have any further questions or concerns.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.* I will wait for the Company to actually send me the check in the mail within 2 weeks.  until then I considered it not a closed mattter.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[The company in question only "doubled down" on their earlier incorrect positions, assertions and incorrect assumptions of what they did and/or what I did and didn't do.  I have selected another provider who is much easier to work with than Ria.   I am disappointed with their resolution and I'm not willing to expend ANY further effort in dealing with Ria.   I consider this case closed and hold my position that Ria created a very unfavorable experience for me.Please discontinue correspondence regarding this complaint as I'm quite sure that I will not be interested in doing future business with Ria.]
Regards,
[redacted]

Dear Revdex.com:We are in receipt of the complaint submitted through office by [redacted] A. [redacted] on December 2, 2014 regarding a money transfer sent on November 25, 2014 for $514.00 (87,510.25 NGN). Ms [redacted]'s complaint states that sherequested a refund and as of December 2, 2014, she had not...

received the refund. Our records indicate that Ms. [redacted]'sMaster Card was credited for $514.00 on November 28, 2014. We have concluded our investigation and find no error has occurred. As such, we consider this matter to be closed. We'd like to thank Ms. [redacted] for choosing [redacted] Financial Services; we sincerely appreciate the opportunity to service hisneeds for international payments. Please do not hesitate to contact me via telephone at [redacted] or via email at[redacted] should you have any further questions or concerns. Sincerely,

We are in receipt of the complaint filed with the Revdex.com regarding the above references money transfer. Wewould like to inform you that our investigation concerning the complaint has concluded. The complaint noted that RiaFinancial Services failed to timely deliver your transaction....

It has been noted that we failed to make your funds availabile byApril 10th, 2016, the disclosed date of available. Your transaction was successfully paid out and made available a day later onApril 11th, 2016. Such delay was a result of an Automated Clearing House (ACH) delay. We deeply apologize for anyinconvenience this error may have caused you and your beneficiary.As a courtesy for the error on our part, we would like to refund the $3.00 fee incurred on your money transfer. Enclosedplease find a refund check for the fees you incurred.We sincerely appreciate the opportunity to serve your needs for international payments and thank you for choosing RiaFinancial Services. Please do not hesitate to contact the Compliance Department – Resolution of Complaints via mail at6565 Knott Avenue, Buena Park CA 90620, via electronic mail at [email protected] or viatelephone at(844) 698-[redacted] should you have any further questions or concerns

Dear Mr. [redacted]:We are in receipt of the complaint filed with the Revdex.com regarding the above- referenced money transfer.We would like to inform you that our investigation concerning the complaint regarding the above-referenced money transferhas concluded. The complaint noted that you...

were defrauded or scammed via a shopping scam. Our investigation hasdetermined that we are not at fault for the unfortunate fraud act that presumably took place and thus are not responsible forany losses that may have occurred.We understand that our consumers work hard for their money and that they want a company they can rely on when it comesto their money transfer services. That’s why we strive to help our consumers protect themselves from fraud. As a MoneyServices Business, CES has strong systems in place to identify and stop fraudulent transactions, but consumer awareness toprevent the deception is the first and the strongest line of defense. CES is committed to educating its consumers so they donot become a victim of fraud.During your money transfer transaction(s) we provided informative tips and other useful material to stay informed and helpreduce her chances of falling victim to scammers. We ensure that [redacted] Money Centers have informative fraud warningposters and pamphlets available. Second, the Send Money Form he completed for the transitions included a Fraud Warning(see attachment A). Lastly, your money transfer receipts included that following fraud warning, “Wiring money is just likesending money – once it’s gone, you can’t get it back. So don’t wire money to a stranger or to someone you haven’t met inperson”.Per our Fraud Warning which asks “Are you sending money, returning an overpayment, or “escrowing” money to buy a car orother goods, or to rent an apartment?", your should have suspected that you were being defrauded when your answer to thisquestion would have been “Yes.” This is evident, since your complaint stated that you were sending money to individualswho are claiming to sell you a good.In addition to our many strong controls and procedures to identify suspicious/unusual activity and to rapidly respond to fraud,Consumer Complaints is one of the main sources to identify fraudulent activity. A timely reaction to a consumer complaintrelated to fraud is critical to stop the activity if the money has not been paid. It also helps to prevent future fraudulent activitywhen blocking the beneficiary involved in the reported transaction.We take this opportunity to thank you for the feedback, Ria can reassure you that the beneficiary will not receive nor send anyMoney Transfer via [redacted] 2 [redacted] and Ria Financial Services. These precautions will reduce/prevent fraudulenttransactions. This would not have been possible without you drawing our attention to your case.Based upon our investigation, we have determined that Ria Financial Services did everything under its control and followed allprotocols in the handling of your transaction. We sincerely regret the inconvenience this may have caused you. However, weare not able to refund your transaction.In regards to your claims that a “Ria Supervisor [redacted]” stated that a one-time refund will be issued, we find this unlikely.We currently, nor ever has, had any employee by such name or a similar name in our Ria [redacted] Customer Service or RiaCompliance department.Contingent to any new pertinent information you provide, we would be pleased to reconsider our decision.If you have not already, we strongly suggest for you to report your case to your local law enforcement and the Federal TradeCommission’s Bureau of Consumer Protection, among others. These are important steps to help prevent fraud and protectothers from falling victim to scams.Please do not hesitate to contact the Compliance Department – Resolution of Complaints via telephone at (844) 698-2732 orvia email at [email protected] should you have any further questions or concerns.Sincerely,[redacted]Vice President – Compliance Officer