Federal rules also protect you if the remittance transfer provider makes a mistake. Examples of mistakes include payment of the wrong amount, failure to deliver funds on time or to the right person, and failure to deliver the funds at all.
If you think there was a mistake or error with your remittance transfer, you should immediately contact the remittance transfer provider. You have 180 days from the date the money was supposed to be available to the person to whom you sent the money to notify the provider of the error. The remittance transfer provider then has 90 days from the date of your complaint to investigate your concern and determine if an error did in fact occur. If the remittance transfer provider investigates and determines an error has not occurred, the provider must tell you why.
If the remittance transfer provider determines that a certain type of error did occur, then the remittance transfer provider must either refund your money or re-send the remittance. If you do not receive a satisfactory response from the provider, you can submit a complaint to the United States’ Consumer Financial Protection Bureau (CFPB). Complaints may be submitted online at: consumerfinance.gov/complaint.