RIA Financial Services

Dear Mr. [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 the above referencemoney transfer has concluded. The complaint noted that Ria Financial Services failed to send money transfers you have paidfor. Our investigation has determined that an unforeseen error occurred when rejecting your money transfers.The above reference money transfers were rejected due to prevention measures such as possible fraud activity with yourbeneficiary and should have been immediately refunded to your debit card.However due to an unforeseen situation with the refund file it failed to process. We have placed a request with ouraccounting department to issue to a refund check in the amount of $96.00. You should expect to receive such check within 1to 2 weeks, along with a copy of this letter.The above described circumstances that led to the unforeseen situation are unusual and are unlikely to ever happen again. Wethank you for bringing this to our attention. It will help us improve our operations and services. We very much appreciateyour business and hope that you will remain a valued customer.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 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.
The business has twisted my response in an attempt to show no wrong doing, more deceptive practices. My complaint was that RIA allowed transactions to go through when using a debit card with a PIN, which I attempted to using a third card, however they mistakenly processed it as a credit card, therefore without a PIN, which they assumed was higher risk, and stopped my transaction. This is what was told to me over the phone by the customer service rep. I said I wanted to send it as a debit transaction, but there was no option for me to, and asked him how, and he wouldn't tell me, merely saying he would no longer let me send! Yet they accepted many transactions before this via debit to the same person. While RIA's business of sending money works well, RIA's customer service and policies are DISGUSTING.
Regards,
[redacted]

Dear Mr. [redacted]: We are in
receipt of the complaint filed with the Revdex.com regarding our
services.  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 inquiry with the
highest regard. We would like
to inform you that our investigation concerning the complaint you submitted
regarding the above reference money transfer has concluded.  The complaint noted that Ria Financial
Services failed to timely issue you a refund. 
Our investigation has determined that that an unforeseen error occurred when
refunding one of your money transfers. The above
reference money transfers were rejected for delivery by our Correspondent,
since incorrect beneficiary information was provided to us. On or about April
27th, 2015 our Customer Service team contacted you regarding the
rejection and to obtain correct beneficiary information.  We did not hear back from you till June 18th,
2015 via our online chat.  However we
were not able to assist you then since you were not able to verify security
information.  On September 1st,
2015 our Customer Service team was instructed by you to cancel the
transactions.  Since we did not
successfully hear from you till 4 months later, your transactions were flagged
to be unclaimed property.   Once your
transactions were retrieved and release from our unclaimed property, Ria
immediately initiated your refund.  Our
records show that money transfer [redacted] in the amount of $1214 was
successfully refunded on October 12, 2015 via [redacted], our third party
vendor. However due to
an unforeseen situation with the refund file for money transfer [redacted]; it
was not pick up by [redacted], causing a delay in refunding your money
transfer.  We have placed a request with
our accounting department to issue to a refund check in the amount of
$1214.00.  You should expect to receive
such check within 1 to 2 weeks. The above
described circumstances that led to the unforeseen situation are unusual and
are unlikely to ever happen again.  We thank you for bringing this to our
attention.  It will help us improve our
operations and services.  We very much
appreciate your business and hope that you will remain a valued customer. 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 five 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 Financial
Services. Please do not hesitate to contact our Compliance Department –
Resolution of Complaints via mail at 6565 Knott Avenue,
Buena Park CA 90620 or via email at [email protected]
should you have any further questions or
concerns. Sincerely,[redacted]VP,
Compliance Officer    cc:        Revdex.com 
    * Disclaimer: Promo Code Only Valid for One
Transaction at www.riamoneytransfer.com; Maximum limit of $2999.00 per
transaction; Expiration 12/31/2017

Dear Customer,Thank you for contacting Ria Financial Services regarding a problem with your recent money transfer transaction toPhilippines .We are proud to be the remittance transfer provider of your choice when you send money abroad to familyand loved ones. Your experience as a customer is of...

utmost importance to us, and we hold your complaint with thehighest regard.We write to confirm that an error occurred while processing your money transfer and that the fee for this transactionhas been reimbursed. It has been noted that we failed to make funds available by the disclosed date. We deeplyapologize for any inconvenience this error may have caused you and your beneficiary in Philippines.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 viatelephone at (562) 345-2100 or via email at [email protected] should you have any furtherquestions or concerns.Sincerely,[redacted]Vice President – Compliance Officer

Dear Ms. [redacted]: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 8th, 2016.As indicated in our prior response, we have concluded our investigation into this matter and determined your claim to be invalid.Your complaint noted that Ria Financial Services (“Ria”) failed to honor a refer-a-friend promotional offer.A refer a friend offer is subject to terms and conditions of Ria Refer a Friend Program. Terms and Conditions for your referrals canbe found at https://www.riamoneytransfer.com/promos/refer-a-friend-terms. Via our Terms and Conditions, in order toparticipate in the program one must follow the on-screen instructions. We have reviewed all of your referrals and discovered thatyou are not completely following the required refer-a-friend process. Therefore your refer-a-friend requests were not automaticallyprocessed. Since we believed that you were well intentioned we made an exception on three occasions and issued you the followingrefer a friend gift cards.Refer a Friend                              Email Address Gift Card Reference No.          Date Gift Card was Issued/Sent[redacted]             [redacted]                                      01/22/2016[redacted]      [redacted]                                    01/27/2016[redacted]                   [redacted]                                     02/01/2016We will no longer be making similar exceptions. We regret that we were unable to complete your refer a friend referral for[redacted]. However if you wish to move forward with the referral for [redacted] and any futurereferrals we highly suggest that your read our Ria Refer a Friend Program’s Terms and Conditions. Within the Terms andConditions the process on how to submit a referral has been outline. As a courtesy, we have prepared a special instruction sheet onhow to submit a referral (Attachment A) that may help you in submitting any future referrals you may have.We regret that as a result of our polices 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.Sincerely,Luz LapeyreVice President – Compliance Officer