RIA Financial Services

Please see the attached pdf of our Response Letter to Complaint [redacted]. Dear Ms. [redacted]:We are in receipt of the complaint filed with the Revdex.com regarding our services. We are proud to be theremittance transfer provider of your choice when you send money abroad to family and...

loved ones. Your experience as acustomer is of utmost importance to us, and we hold your inquiry with the highest regard.We would like to inform you that our investigation concerning the complaint you submitted regarding your money transferhas concluded. The complaint noted that Ria Financial Services, failed to issue you a refund. Our investigation hasdetermined this to be an invalid claim.Per our policy, which is reflected on your receipt; you can cancel for a full refund within 30 minutes of payment, unless thefunds have been picked up or deposited. Furthermore, per our Terms and Conditions if you instruct us to pay a moneytransfer to a designated recipient and later request that we stop the payment of such transaction, we will need to check firstwith the paying agent to determine if the money transfer has been paid to the recipient.Our records show that you contacted our Customer Services Department on October 12, 2016 to inform that funds have notbeen deposited into the beneficiary’s account. We contacted the Correspondent to request status of transaction;Correspondent informed that the transaction was successfully deposited into the beneficiary’s account on October 12, 2016.Please see the attachment Proof of Payment. On October 19, 2016 you request a refund for transaction, however we wereunable to assist you since your money transfer has been paid out. On October 21, 2016 you request to recall the funds sincethe funds were not needed any more. Since the funds have been deposited into the beneficiary bank account, we are not ableto request to recall the fund, only the beneficiary can provide you with the funds.Since customer satisfaction is something that we take very seriously and would never compromise under any circumstances; asan extra measure to our unconditional commitment to customer satisfaction, we have been actively assisting you in placing arequest with the beneficiary’s bank to recall the funds that were deposited. It was informed by Correspondent that there is afee to assist you with your request to recall the funds.Based upon our investigation into Ms. [redacted] complaint, we have determined that Ria Financial Services did everything underits control and followed all protocols in the handling of this transaction. That is, if you instruct us to pay a money transfer tobeneficiary and later request that we stop the payment of such transaction, we will need to check first with the paying agent todetermine if the money transfer has been paid to the recipient. You may cancel for a full refund of payment, unless the fundshave been picked up or deposited.Contingent to any new pertinent information provided, we would be pleased to reconsider our decision.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 [redacted]
[redacted] or via email at [redacted] should you have any furtherquestions or concerns.Sincerely,[redacted]VP, Compliance Officer

Dear Mr. [redacted]:Thank you for
contacting Ria Financial Services 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 you submitted
regarding your money transfer [redacted] that was requested on July 28th,
2015 in the amount of $2000.00, has concluded. Your complaint noted that Ria
performed deceptive practices by requesting sensitive information for
validation purposes for a money transfer that was ultimately denied for no
reason.  Our
investigation has determined this to be an invalid claim. 
Ria uses Accertify Inc., a third party provider, for fraud prevention and payment
gateway solutions.  Your money transfer
payment was rejected by Accertify Inc. due to prevention measure such as
possible fraud activity.  While placing
your money transfer order, you did not list your full name, your email address was
not verifable and lastly your order was placed out of a high risk IP address.
Because of these three reason, unfortunately Accertify Inc. rejected your
payment, as a preventive fraud measure.  In
an effort to validate your payment, Accertify Inc. requested for you to submit
validation documentation, which they have not received to this date.
In order for
you to send future money transfers via Ria Financial Services, we advise for
you to send and confirm receipt of the requested documentation to Accertify
Inc.  Accertify Inc. can be contact via
telephone at (844) 278-1911. 
Since Accertify
Inc. has not received any sensitive validation information from you, your
information does not exist on Accertify Inc., or Ria’s servers.  Thus such information can not be deleted, scrubbed, or remove per your request.
Again for more
information to prevent future transactions from beign rejected, please contact
Accertify Inc, our third party payment processor at (844) 278-1911. 
We sincerely
appreciate the opportunity to serve your needs for international payments and
thank you for choosing Ria Financial Services. Please do not hesitate to
contact the Compliance Department – Resolution of Complaints via telephone at
(562) 345-2100 or via email at [email protected] should you have any further questions
or concerns.
Sincerely,
[redacted]
Vice
President – Compliance Officer

Dear [redacted]:Thank you for contacting Revdex.com regarding your recent money transfer transactions. 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 you submitted regarding your money transfers, has concluded. Your complaint noted that, Ria Financial Services “Ria” should have not process the money transfers knowing you did not have funds link to your bank or credit card account. Your complaint also noted that, Ria is unwilling to cooperate in arranging a payment arrangement. Our investigation has determined this to be an invalid claim.All money transfers placed with Ria are subject to our terms and conditions. During each of your money transfers and when establishing at www.riamoneytransfer.com account, you were advise of our terms and conditions, which includes our Payment Authorization Terms. Per our Payment Authorization Terms, it is not Ria’s responsibility to ensure you have funds in your account. Our Payment Authorization Terms reads as follow:“When you initiate and submit a money transfer transaction on the website, you authorize Ria (or its designated agent) to charge your designated credit card account or debit your designated debit card or bank account for the amount of such money transfer transaction and Ria's associated service charge. You are responsible for ensuring that your designated payment method has sufficient funds or credit available for payment of your money transfer transaction. If Ria executes payment of a money transfer pursuant to your money transfer instructions and subsequently is advised that your designated credit card had insufficient credit available or your designated debit card or bank account had insufficient funds available, you remain liable to Ria for the full amount of any such payment of the money transfer by Ria and the Ria's associated service charge.”Furthermore it is impossible for Ria to know if you have funds or not in your account. However per our protocol we do not process your money transfer till the Automated Clearing House (ACH) file clears. In your case, the ACH file was later returned by Key Bank National Association due to insufficient funds. As the account owner it is your responsibility and not Ria’s to track the account ledger balance and ensure funds are available for purchases when making a purchase.As an extra measure to our customer satisfaction and despite this was a non error of Ria, Ria has made several payment arrangements in which you elected, for your outstanding balance of $822.00. However you had failed to comply and respond to any of our communications. We have records documenting the arrangements and our attempts to work with you.Our collection department has made a last special payment arrangement details were sent via e-mail and listed below:Payment Date                         Amount DueJuly 7, 2016                             $100.00 July 21, 2016                           $120.00 August 4, 2016                         $120.00 August 18, 2016                       $120.00 September 1, 2016                   $120.00 September 15, 2016                 $120.00 September 22, 2016                 $122.00 Total Amount to be Paid        $822.00You may wire the payments to Ria Money Transfer to following bank account;Bank               :        [redacted] Routing No.     :        [redacted] Account No.    :        [redacted] Account Name :        RIA FINANCIAL SERVICES City                 :        KANSAS CITY, MOIf payments are not received Ria will take the necessary steps available by law to recover amount owed. If you have any questions or concerns regarding the payment arregenements please do not hesitate to contact our Collections Department at (562)345-2100 Ext. [redacted].We sincerely appreciate the opportunity to serve your needs for international payments and thank you for choosing Ria Financial Services. Please do not hesitate to contact the Compliance Department – Resolution of Complaints via telephone at (844) 698-2732 or via email at [email protected] should you have any further questions or concerns.Sincerely, [redacted] Vice President – Compliance Officer

Dear Ms. [redacted]:Thank you for contacting Ria Financial Services regarding your recent money transfer transaction. We are proud to be theremittance transfer provider of your choice when you send money abroad to family and loved ones. Your experience as a customeris 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 you submitted regarding a refer-a-friend promotion,has concluded. Your complaint noted that Ria failed to honor a refer-a-friend promotional offer. Our investigation has determinedthis to be an invalid claim.We have reviewed the referral and discovered that you did not completely follow the required refer-a-friend process. Therefore yourrefer-a-friend request was not process. However we believe that you were well intentioned and since you have a reputable history asa Ria Money Transfer customer, we are going to make an exception and issue you a gift card. The gift card associated with yourreferral will be sent directly to you.We sincerely appreciate the opportunity to serve your needs for international payments and thank you for choosing Ria FinancialServices. Please do not hesitate to contact the Compliance Department – Resolution of Complaints via telephone at (562) 345-2100or via email at [email protected] should you have any further questions or concerns.Sincerely,Luz LapeyreVice President – Compliance Officer

January 23, 2015  Re: Consumer Compliant  Dear Valued Customer:  Tha...⇄ /> [redacted] Vice President – Compliance Officer   CONTINENTAL EXCHANGE...⇄ A Euronet Worldwide Company

To Whom It May Concern:
We are in receipt with complaint filed with the Revdex.com regarding the below referenced money transfers.
We would like to inform you that we have concluded our investigation for the above reference matter based on the limited
information that was provided to...

us. The complaint noted that Ria Financial Services (“Ria”), failed to deliver thirteen (13)
money transfers totaled to $[redacted].00. Our investigation has determined this to be an invalid claim.
Upon reviewing the Consumer’s transactional history with Ria we found that the Consumer has placed a total of fourteen (14)
money transfer. Six (6) of these transactions totaled the amount of $[redacted], were successfully paid out to the Beneficiary.
Seven (7) of these transactions totaled the amount of $[redacted], were successfully refunded to the Consumer. For your
reference, below please find a table detailing the Consumers transactional historyIn additions to our many strong controls and procedures to ensure timely delivered and payment of transactions, Consumer
Complaints, is one of the main sources to identify payment issues. Since we never received any complaints from the
Consumer, prior to this Revdex.com complaint, regarding the above listed money transfers, we sincerely believe that the payments
and refund payments were made in accordance to our records. It is rare that a Consumer would not timely place an inquiry
regarding his/her money transfer if payment was not made.
Furthermore, per our records the above listed refunded transactions were refunded due to the Beneficiary’s failure to timely
collect payment and/or per the Consumer’s request. Upon our investigation, it was noted that the Consumer had stated that
he was unable to contact Beneficiary, [redacted], and thus requested to refund the transaction and not to
resend them.
Lastly, as part of our procedures, when a beneficiary collects a money transfer, the correspondent must validate the
beneficiary’s identification and collect proof of payment. Based on this control and procedure it is likely that your
Beneficiaries did receive the payments.
Based upon our investigation into the Consumer’s complaint, we have determined that Ria Financial Services did everything
under its control and followed all protocols in the handling of these transactions. Therefore, we disagree with the Consumer’s
claims that we failed to deliver thirteen (13) money transfers.
Contingent to any new pertinent information provided, we would be pleased to reconsider our decision.
Please do not hesitate to contact the Compliance Department – Resolution of Complaints via telephone at [redacted] or
via email at [redacted] should you have any further questions or concerns.
Sincerely,
[redacted]
Vice President – Compliance Officer

Dear Sir or Madam:We are in receipt of the complaint filed with Revdex.com regarding the above references money transfer.We would like to inform you that our investigation concerning the complaint regarding the above reference money transferhas concluded. The complaint noted that you...

were a victim of identity theft and that Ria Financial Services facilitated thefraudulent act. Our investigation has determined that we are not at fault for the unfortunate act that presumably took placenor did we facilitate the act.Ria uses [redacted], a third party provider, for fraud prevention and payment gateway solutions. The money transferpayment was rejected by Accertify Inc. due to prevention measure such as possible fraud activity. While the money transferorder was placed, the sender information was not verifiable, the transaction was placed out of a high risk IP address, and lastlythe location of the IP address was not in the proximity or consistent of billing address. Because of these reasons, AccertifyInc. rejected the transfer, as a preventive fraud measure.Ria Financial Service never charged you for the rejected transaction. When the transaction was placed, an authorization holdwas only place. This is a common bank practice handling credit card transactions to ensure sufficient funds and accountauthenticity. An authorization hold (also card authorization, preauthorization, or preauth) is the practice within the bankingindustry of authorizing electronic transactions done with a debit card or credit card and holding this balance as unavailableeither until the merchant clears the transaction (also called settlement), or the hold "falls off.” Debit card authorization holdscan fall off the account (thus rendering the balance available again) anywhere from 1–5 days after the transaction datedepending on the bank's policy. Credit card holds may last as long as 30 days, depending on the issuing bank. If you needhelp speeding up the process, you can contact the issuing bank of your credit card. Or if you still feel that Ria FinancialServices did charge you for the rejected transactions, please provide your bank statement in which the charges reflect on.Ria Financial Services did everything under its control and followed our protocols. It’s troubling to find that a fraudster hasattempted to use a legitimate service as a way to defraud consumers. However it is comforting to know that our fraudprevention protocols were successfully able to prevent you from being defrauded and charged.Contingent to any new pertinent information you provide, we would be pleased to reconsider our decision.We suggest for you to report your case to local law enforcement and the Federal Trade Commission’s Bureau of ConsumerProtection, among others. These are important steps to help prevent fraud and protect others from falling victim to scams.Lastly, for security measures your account will be disabled. This does not mean that you will no longer be able to use ourservices. This is a protocol we follow for prevention measures.Please do not hesitate to contact the Compliance Department – Resolution of Complaints via mail at 6565 Knott Avenue,Buena Park CA 90620, telephone at (844) 698-2732 or via email at [email protected] should you haveany further questions or concerns.Sincerely,[redacted]Vice President – Compliance Officer

Dear Mr. [redacted]:Thank you for contacting Ria Financial Services regarding your recent money transfer transaction. We are proud to be theremittance transfer provider of your choice when you send money abroad to family and loved ones. Your experience as acustomer 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 you submitted regarding your money transfer[redacted] that was requested on December 24th, 2015, has concluded. Your complaint noted that Ria Financial Services(“Ria”) performed deceptive practices by failing to disclose terms and conditions regarding sending transfers to a business.Our investigation has determined this to be an invalid claim. Your complaint also noted that Ria discriminates against paymentmethod (credit card vs. debit card) when sending a transactions. Our investigation has determined this to be an invalid claim.During your money transfer transaction and when establishing a www.riamoneytransfer.com account, you were advise via ourterms and conditions that “our service is offered exclusively for the personal money transfer needs of users. Any other use orattempted use of the service for commercial purposes, promotion of products and services, or other such purposes, directly orindirectly, by you or by a third party is prohibited” (Attachment A). In addition, our terms and conditions are made availableprior to submitting payment for a transaction at the bottom of every page of www.riamoneytransfer.com (Attachment B) acustomer visits for his/her money transfer transactions. Ria clearly warns and discloses multiple times during a Customer’svisit on www.riamoneytransfer.com that our services are for personal money transfer needs.Ria does charges a higher fee for processing payments via credit card as opposed to debit card, as Ria is personally charged ahigher fee to process such credit card payment. However, Ria chooses to pass the savings on to the Customer for using adebit card, and thus charges a lower fee. Therefore, we do not discriminate against various payment methods. Furthermore,during your money transfer transaction and prior to sending your transfer, you were provided an opportunity to calculate thefees associated with your payment method for your transaction (Attachment C). In addition, our procedures on how to SendMoney Online (Attachment D) and are Frequently Asked Questions (Attachment E) clearly states that the different paymentmethod types may affect the cost of your transfer. Ria clearly informs Customer’s that a payment method type may affect thecost of your transfers.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 telephone at(562) 345-2100 or via email at [email protected] should you have any further questions or concerns.Sincerely,[redacted]Vice President – Compliance Officer

To Whom It May Concern:We are in receipt of the complaint filed with Revdex.com regarding the above referenced matter.We would like to inform you that our investigation concerning the complaint has concluded. The complaint noted that theComplainant was a victim of identity theft and that...

Ria Financial Services (“Ria”) reluctance to provide details regarding theindividual behind the act infers that Ria facilitated the act. Our investigation has determined that we are not at fault for theunfortunate act that presumably took place nor did we facilitate the act.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, Ria has strong systems in place to identify and stop fraudulent transactions. Furthermore, we also havepolicies to ensure that we are cooperative in all criminal investigations as part of our efforts to identify and stop fraudulenttransactions.As a financial institution, we have statutory obligations such as the Gramm–Leach–Bliley Act, to comply with. The Gramm–Leach–Bliley Act, governs the collection and disclosure of customers' personal financial information by financial institutions.Thus, under the Gramm–Leach–Bliley Act, we have a statutory obligation to safeguard our consumer data, and therefore wereunable to provide any information about the transaction and consumer. Hence, Ria Financial followed all our protocols whenwe did not disclose the information to the Complainant.We suggest for the Complainant to report this matter to local law enforcement. These are important steps to help preventfraud and protect others from falling victim to scams. Furthermore, in response to the appropriate legal process such as asubpoena, court order, or other valid legal process, we be able to and we will assist any law enforcement investigation to thefullest by providing any nonpublic information about the transaction.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 mail at 6565 Knott Avenue,Buena Park CA 90620, telephone at (844) 698-2732 or via email at [email protected] should you haveany further questions or concerns.Sincerely,[redacted]Vice President – Compliance Officer

To Whom It May Concern:We are in receipt with complaint filed with the Revdex.com regarding the below referenced money transfer.We would like to inform you that our investigation concerning the complaint submitted regarding the above referenced money transfer has concluded. The complaint...

noted that Ria Financial Services (“Ria”) unreasonably rejected the Consumer’s transaction. Our investigation has determined this to be an invalid claim.After placing a money transfer with Ria Financial Services the transaction is subject to terms and conditions of Ria Financial Services. Terms and Conditions can be found on your receipt and at http://www.riafinancial.com/global/terms-and-conditions/us.aspx. Via our Terms and Conditions Ria reserves the right, to: (i) reject a proposed money transfer; (ii) limit the amount of a money transfer; (iii) require additional information to complete a money transfer; and/or (iv) take reasonable measures with respect to a money transfer in an effort to comply with applicable laws and regulations.As a statutory obligation via The Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act, (USA PATRIOT Act), we must prevent money laundering, terrorist financing and fraud. CES have built enhanced technology into our computerized transaction monitoring system (TMS) to assist in the identification 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 to determine whether it merits full investigation and reporting. The transaction triggered a manual Fraud and Money Laundering prevention review, which resulted in a full compliance investigation. Unfortunately, the transaction did not meet or pass our review for compliance reasons. It was discovered the Consumer’s purpose of the transaction merited activity associated with a common Consumer scam. To prevent the Consumer from becoming a victim of such scam we rejected the transaction.Contingent to any new pertinent information provided, we would be pleased to reconsider our decision.We regret that as a result of our policies that the consumer could not have a more satisfactory customer experience. Please do not hesitate to contact the Compliance Department – Resolution of Complaints via telephone at (844) 698-2732 or via email at [email protected] should you have any further.Sincerely,[redacted]VP, Compliance Officer

Dear [redacted]:We are in receipt of the complaint filed with the Revdex.com regarding our services. We are proud to be theremittance transfer provider of your choice when you send money abroad to family and loved ones. Your experience as acustomer is of utmost importance to...

us, and we hold your inquiry with the highest regard.We would like to inform you that our investigation concerning the complaints you submitted regarding your money transfershas concluded. The complaint noted that Ria Financial Services, failed to issue you a refund. Our investigation hasdetermined that no error occurred while processing your refund request.Per our policy, which is reflected on your receipts (see Attachment A); you can cancel for a full refund within 10 days ofpayment, unless the funds have been picked up or deposited. Furthermore, per the Terms and Conditions (see Attachment B)you consented to via www.riamoneytransfer.com, if you instruct us to pay a money transfer to a designated recipient and laterrequest that we stop the payment of such transaction, we will need to check first with the paying agent to determine if themoney transfer has been paid to the recipient. If we can confirm that payment has not been made, the money transfer will becancelled and we will refund the amount of the money transfer, including the service charge.Ria issued the refund on January 22th, 2016. Therefore, [redacted] acted in accordance to our policies and federal regulations, inwhich we have ten days to issue a refund, when a customer expresses his or her wish to cancel his or her transaction and canconfirm payment has not been made. However, once a refund is issued, it can take 2-10 days before it reflects on thecustomer’s account depending on which he or she banks with. This refund delivery delay is taken into consideration bygoverning regulations which state that the requirement to refund funds to a sender does not require a provider to ensure that arefund is delivered to a sender within ten business days after receiving the sender's request to cancel the remittance transfer,since credit takes several days to appear due to bank/card processing systems.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]VP, Compliance Officer

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 dont agree with RIA reply in my referrals, I am referring in the same way they mentioned in the message and I got one automated email  too from RIA after one of my referrals registered in RIA and got  gift card after 2 days(see attachment). I referred other members also in the same way too. and for them I had to follow up with customer care several times on this issue and they dont even try to look into the issue until I raise complain in Revdex.com.I see the email id mentioned in the reply is not the correct one, this is the correct email id [redacted] for which I still didnt get referral.I dont want any generous consideration from RIA as a courtesy for my referrals. My friends already have accounts in other websites like Xoom and they moved to RIA upon only my recommendation, even though they are some websites like Remitly which is offering first time transfer promotion and giving same exchange more or same as RIA.If RIA think I am just claimingg these referrals out of blue with out actually spending my time referring them, they can cancel my account and I am ok with that.Thank you,
Regards,
[redacted]

Dear [redacted]:Thank you for contacting Ria Financial Services regarding your recent money transfer transaction. We are proud to be theremittance transfer provider of your choice when you send money abroad to family and loved ones. Your experience as acustomer 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 you submitted regarding your money transfer[redacted] that was requested on December 16th, 2015, has concluded. Your complaint noted that Ria Financial Services(“Ria”) performed deceptive practices by failing to disclose terms and conditions regarding sending transfers to a business.Our investigation has determined this to be an invalid claim. Your complaint also noted that an Agent of Ria, [redacted] of[redacted], provided you with poor customer service. offer. Our investigation has encouraged additional customer servicereviews and training.During your money transfer transaction and when establishing a www.riamoneytransfer.com account, you were advise via ourterms and conditions that “our service is offered exclusively for the personal money transfer needs of users. Any other use orattempted use of the service for commercial purposes, promotion of products and services, or other such purposes, directly orindirectly, by you or by a third party is prohibited” (Attachment A). In addition, our terms and conditions are made availableprior to submitting payment for a transaction at the bottom of every page of www.riamoneytransfer.com (Attachment B) acustomer visits for his/her money transfer transactions. Ria clearly warns and discloses multiple times during a Customer’svisit on www.riamoneytransfer.com that our services are for personal money transfer needs.At Ria, customer satisfaction is something that we take very seriously and would never compromise under any circumstances.As an extra measure to our unconditional commitment to customer satisfaction, we decided to forward your complaint to[redacted]’s employer and a third party service provider. We encourage that [redacted] review the recording of yourinteraction with [redacted] and further train him/her. These precautions will ensure that such errors will not happen again in thefuture. This would not have been possible without you drawing our attention to your case. We take this opportunity to thankyou for your feedback which allows us to serve you and other customers better.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 telephone at(562) 345-2100 or via email at [email protected] should you have any further questions or concerns.[redacted]Vice President – Compliance Officer

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 Revdex.com,We are currently investigating this complaint and will provide our response no later than 9/11/15.Thank you very much.Best regards,[redacted]

Dear Mr. [redacted]:This letter is in response to your message submitted to the Revdex.com (“Revdex.com”) in which you expresseddissatisfaction with the response of Ria Financial Services to your original complaint that you submitted to the Revdex.com on April26th, 2016.As indicated in our prior response, we have concluded our investigation into this matter and determined your claims to beinvalid. The complaint noted that you were defrauded or scammed. Our investigation has determined that we are not at faultfor the unfortunate fraud act that presumably took place and thus are not responsible for any losses that may have occurred.In regards to your claims that a promise of a “One-time refund” was made by a Ria Financial Service associate, we find yourclaim to be false. We have re reviewed all phone recordings made with Ria Customer Services and Compliance Department,and validated that such promise was not made. Furthermore, as explained in our prior response, it is against our policy torefund transactions to victims of fraud, when Ria Financial Services is not at error and did cause the fraud.Via the recording, we have concluded that you made several calls to our Customer Services Department to confirm if yourtransaction was flagged as Fraud and not to request a refund. We can assure you that your transaction was flagged as Fraudper your initial request. However the Customer Service Representatives were not able to confirm this with you as suchinformation is case sensitive and for security purposes is only reviewed and managed by Compliance Department.Again, we take this opportunity to thank you for the feedback, Ria can reassure you that the beneficiary will not receive norsend any Money Transfer via [redacted] 2 [redacted] and Ria Financial Services. These precautions will reduce/preventfraudulent transactions. This would not have been possible without you drawing our attention to your case.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]Vice President – Compliance Officer

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 Ms. [redacted]:Thank you for contacting [redacted] Financial Services 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 you submitted regarding your money transfer [redacted] that was requested on September 1st, 2015 in the amount of $700.00, has concluded. Your complaint noted that [redacted] performed deceptive practices by failing to disclose fees your recipient occurred. Our investigation has determined this to be an invalid claim. Your complaint also noted that [redacted] failed to honor a refer a friend promotional offer. Our investigation has determined this to be an invalid claim.Your money transfer [redacted] was sent to Colombia. In 2002, Colombian Tax regulation established a tax for Financial Transactions (Debit Tax - [redacted] a los Movimientos Financieros). Colombia is a jurisdiction that collects a 0.4 percent tax on all debited transaction.[redacted] Financial Services via it receipts and pre-order confirmation page (see Attachment A), discloses to all Customer that there is a possibility for fees to be deducted on the receiving end. The disclosure reads “Recipient may receive less due to fees charged by the recipient’s bank and foreign taxes”. Since [redacted] disclosed via your pre-order confirmation page and receipt that the recipient may accrued fees, we have determine that we did not perform deceptive practices by failing to disclose fees your recipient occurred.Our records show that in July both you and Mr. [redacted] referred a friend and each were rewarded a $10 gift card. In September you referred a friend via our double rewards offer and were rewarded a $20 gift card. Collectively, you and Mr. [redacted] were entitled to and rewarded $40 in gift cards. Therefore, [redacted] did not fail to honor a promotional offer. However in good faith, we have issued you an additional $20 gift card, which you should receive directly from our gift card provider. We sincerely appreciate the opportunity to serve your needs for international payments and thank you for choosing [redacted] Financial Services. Please do not hesitate to contact the Compliance Department – Resolution of Complaints via telephone at (562) 345-2100 or via email at complianceresolution@[redacted]financial.com should you have any further questions or concerns.Sincerely,[redacted] Vice President – Compliance Officercc: Revdex.com of San Diego, Orange & Impe[redacted]l CountiesEnclosures: A. Pre Order Confirmation

Dear [redacted]:Thank you for contacting Ria Financial Services regarding your recent money transfer transaction. We are proud to be theremittance transfer provider of your choice when you send money abroad to family and loved ones. Your experience as a customeris 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 you submitted regarding your money transfer servicerefer a friend promotion, has concluded. Your complaint noted that Ria failed to honor a refer a friend promotional offer. Ourinvestigation has determined this to be a valid claim.We have reviewed the referral that you made in July 2015 and confirmed that your friend did complete a paid money transfer afteryou sent the referral. We have communicated with you via email to issue an apology and explain why the referral was delayed. The$20 gift card associated with this referral has been sent to your email address as well. We apologize for any inconvenience this mayhave caused.Further, in the hope that you will choose Ria for your future payment needs, we would like to waive the fee for your nextmoney transfer. On your next two visits, please simply use the following codes to waive the fee*:[redacted]We sincerely appreciate the opportunity to serve your needs for international payments and thank you for choosing Ria FinancialServices. Please do not hesitate to contact the Compliance Department – Resolution of Complaints via telephone at (562) 345-2100or via email at [email protected] should you have any further questions or concerns.Sincerely,[redacted]Vice President – Compliance Officer

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.
 They are not referencing a transfer that is part of this complaint. There answer is fabricated. Transaction amount were $600 and $400 and were charged by RIA. I don't know there was no [redacted] to [redacted] transfer but it is disturbing that they would state that.  The response did not even address the issue of the complaint.  They refunded nothing.  They are addressing nothing.  They are attempting to defame me however which only makes me believe even more that they are facilitating fraud transfers an scamming.
Regards,
[redacted]