International Money Transfer Complaints: Which Companies Draw the Most
Original analysis of 2,387 records from the CFPB, 2018–2025. Published October 22, 2026.
We counted every complaint in the CFPB's public database filed under international money transfer from 2018 through 2025 and ranked companies by the number of complaints received in 2025.
What the CFPB Complaint Data Show
Western Union was named in 237 of the 2,387 international money transfer complaints the CFPB received in 2025 and published, more than any other company. JPMorgan Chase (210) and Bank of America (200) follow, so banks rank next to remittance companies. The counts are raw numbers and do not account for how many transfers each company handles.
- 2.39KInternational transfer complaints, 2025
- 237Complaints naming Western Union, 2025
- 27%Share of the top three companies, 2025
Western Union ranks first
Western Union drew 237 complaints in 2025, 9.9% of the total and 27 more than JPMorgan Chase in second place.
Banks rank next to remittance firms
JPMorgan Chase (210) and Bank of America (200) rank second and third, ahead of Wise (187), MoneyGram (166), PayPal (163) and Remitly (157).
Back on top after three years
Western Union was the most-named company each year from 2018 to 2021; JPMorgan Chase led from 2022 to 2024.
Complaints rose six years in a row
International transfer complaints rose every year from 2019 to 2025, reaching 2,387 in 2025, 18.3% more than in 2024.
Monetary relief varies widely
Companies reported closing 9.1% of 2025 complaints with monetary relief. MoneyGram reported it in 32.5% of its complaints; Western Union and Remitly reported it in none.
Which Company Has the Most CFPB International Money Transfer Complaints
Of the 131 companies named in 2025, Western Union drew the most international money transfer complaints.
Western Union (237), JPMorgan Chase (210) and Bank of America (200) together account for 27.1% of the 2,387 complaints.
The ranking counts complaints the CFPB received in 2025 in which the consumer chose the product "Money transfer, virtual currency, or money service" and the sub-product "International money transfer". It covers all 131 companies named in these complaints. The ten most-named companies account for 69.0% of the total.
Companies are listed under the name the CFPB uses. Some groups appear under more than one name: PayPal (163) and its Xoom unit (9) are listed separately, as are Chime Inc. (59) and Chime Financial Inc (23). Combining them would not change the first place. Wise appears under its legal name TransferWise Ltd.
These are raw counts. A company that sends more transfers will tend to draw more complaints, and the CFPB does not publish transfer volumes by company, so the ranking is not a complaint rate.
International money transfer complaints by company, 2025
- Western Union2379.9% of all · 0 with monetary relief
- JPMorgan Chase2108.8% of all · 3 with monetary relief
- Bank of America2008.4% of all · 59 with monetary relief
- Wise (TransferWise Ltd)1877.8% of all · 9 with monetary relief
- MoneyGram1667.0% of all · 54 with monetary relief
- PayPal1636.8% of all · 14 with monetary relief
- Remitly1576.6% of all · 0 with monetary relief
- Wells Fargo1355.7% of all · 9 with monetary relief
- Block (Cash App)1124.7% of all · 0 with monetary relief
- Citibank803.4% of all · 7 with monetary relief
- Early Warning Services (Zelle)763.2% of all · 0 with monetary relief
- Chime Inc.592.5% of all · 16 with monetary relief
- Ria Envia451.9% of all · 0 with monetary relief
- Bank of New York Mellon371.6% of all · 0 with monetary relief
- TClub Inc281.2% of all · 0 with monetary relief
All 131 companies
- TapTap Send271.1% of all · 18 with monetary relief
- PNC Bank261.1% of all · 1 with monetary relief
- Chime Financial Inc231.0% of all · 1 with monetary relief
- Newport Intermediate Inc.220.9% of all · 0 with monetary relief
- TD Bank220.9% of all · 6 with monetary relief
- Capital One210.9% of all · 0 with monetary relief
- WorldRemit210.9% of all · 2 with monetary relief
- HSBC North America200.8% of all · 2 with monetary relief
- Navy Federal Credit Union170.7% of all · 2 with monetary relief
- Truist170.7% of all · 0 with monetary relief
- Discover Bank160.7% of all · 0 with monetary relief
- U.S. Bancorp130.5% of all · 0 with monetary relief
- IDT Telecom, Inc100.4% of all · 0 with monetary relief
- Revolut Technologies Inc.100.4% of all · 2 with monetary relief
- AMERICAN EXPRESS COMPANY90.4% of all · 2 with monetary relief
- Paysend US LLC90.4% of all · 0 with monetary relief
- Xoom (PayPal unit)90.4% of all · 0 with monetary relief
- FIFTH THIRD FINANCIAL CORPORATION80.3% of all · 1 with monetary relief
- Google Compare Credit Cards Inc.70.3% of all · 0 with monetary relief
- Grey Inc70.3% of all · 0 with monetary relief
- Mercury Technologies, Inc.70.3% of all · 0 with monetary relief
- UNITED SERVICES AUTOMOBILE ASSOCIATION70.3% of all · 3 with monetary relief
- Coinbase50.2% of all · 3 with monetary relief
- HUNTINGTON NATIONAL BANK, THE50.2% of all · 0 with monetary relief
- Nala Payments LLC50.2% of all · 0 with monetary relief
- Sigue50.2% of all · 0 with monetary relief
- CITIZENS FINANCIAL GROUP, INC.40.2% of all · 0 with monetary relief
- Deutsche Bank40.2% of all · 0 with monetary relief
- ENOVA INTERNATIONAL, INC.40.2% of all · 0 with monetary relief
- FLORIDA HOME TRUST MORTGAGE40.2% of all · 0 with monetary relief
- INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION40.2% of all · 0 with monetary relief
- ROBINHOOD MARKETS INC.40.2% of all · 0 with monetary relief
- Relay Financial (US), Corp.40.2% of all · 0 with monetary relief
- SANTANDER HOLDINGS USA, INC.40.2% of all · 0 with monetary relief
- Experian Information Solutions Inc.30.1% of all · 0 with monetary relief
- Layer2 Financial Inc.30.1% of all · 0 with monetary relief
- Majority USA, LLC30.1% of all · 0 with monetary relief
- Meta Payments Inc.30.1% of all · 0 with monetary relief
- Pavilion Payments US BuyerCo, LLC30.1% of all · 0 with monetary relief
- Pomelo Technology US Inc30.1% of all · 0 with monetary relief
- REGIONS FINANCIAL CORPORATION30.1% of all · 0 with monetary relief
- ZIONS BANCORPORATION30.1% of all · 0 with monetary relief
- ALLY FINANCIAL INC.20.1% of all · 0 with monetary relief
- Airtm Inc.20.1% of all · 0 with monetary relief
- BANKUNITED, NATIONAL ASSOCIATION20.1% of all · 0 with monetary relief
- FIRST NATIONAL BANK OF OMAHA20.1% of all · 0 with monetary relief
- Foris DAX, Inc.20.1% of all · 0 with monetary relief
- KEYCORP20.1% of all · 0 with monetary relief
- M&T BANK CORPORATION20.1% of all · 0 with monetary relief
- Northern Trust Company, The20.1% of all · 0 with monetary relief
- PENTAGON FEDERAL CREDIT UNION20.1% of all · 1 with monetary relief
- PINGPONG GLOBAL SOLUTIONS INC20.1% of all · 0 with monetary relief
- Payward Ventures Inc. dba Kraken20.1% of all · 0 with monetary relief
- Pintor Partners, LP20.1% of all · 0 with monetary relief
- SOFI TECHNOLOGIES, INC.20.1% of all · 0 with monetary relief
- SYNCHRONY FINANCIAL20.1% of all · 0 with monetary relief
- VIAMERICAS CORPORATION20.1% of all · 0 with monetary relief
- Veem Inc.20.1% of all · 0 with monetary relief
- WEBSTER BANK, NATIONAL ASSOCIATION20.1% of all · 0 with monetary relief
- AMERICA FIRST FEDERAL CREDIT UNION10.0% of all · 0 with monetary relief
- AMERIS BANCORP10.0% of all · 0 with monetary relief
- ARVEST BANK GROUP, INC.10.0% of all · 0 with monetary relief
- AXOS FINANCIAL, INC.10.0% of all · 0 with monetary relief
- Atlantic Union Bankshares, Inc.10.0% of all · 0 with monetary relief
- BANK OF HAWAII CORPORATION10.0% of all · 1 with monetary relief
- BANNER CORPORATION10.0% of all · 0 with monetary relief
- BMO BANK NATIONAL ASSOCIATION10.0% of all · 0 with monetary relief
- BitGo Holdings, Inc.10.0% of all · 0 with monetary relief
- Branch Messenger, Inc.10.0% of all · 0 with monetary relief
- COINFLIP LLC10.0% of all · 0 with monetary relief
- COLUMBIA BANKING SYSTEM, INC.10.0% of all · 0 with monetary relief
- CUSTOMERS BANCORP, INC10.0% of all · 0 with monetary relief
- CVB FINANCIAL CORP.10.0% of all · 0 with monetary relief
- Comerica10.0% of all · 0 with monetary relief
- Credit Sage LLC10.0% of all · 0 with monetary relief
- Currencies Direct Inc.10.0% of all · 0 with monetary relief
- Customer Service Mortgage Corporation10.0% of all · 0 with monetary relief
- DApps Platform, Inc.10.0% of all · 0 with monetary relief
- Dave Operating, LLC10.0% of all · 0 with monetary relief
- EAST WEST BANK10.0% of all · 0 with monetary relief
- EQUIFAX, INC.10.0% of all · 0 with monetary relief
- Escrow Inc10.0% of all · 0 with monetary relief
- Exeter Finance, LLC.10.0% of all · 0 with monetary relief
- FISERV FINXACT CORE10.0% of all · 0 with monetary relief
- FinCo Services Inc DBA Current10.0% of all · 0 with monetary relief
- FourLeaf Federal Credit Union10.0% of all · 0 with monetary relief
- GOLDMAN SACHS BANK USA10.0% of all · 0 with monetary relief
- Higlobe, Inc.10.0% of all · 1 with monetary relief
- IDAHO CENTRAL CREDIT UNION10.0% of all · 0 with monetary relief
- INTER & CO PAYMENTS, INC.10.0% of all · 0 with monetary relief
- Instarem PTE Limited10.0% of all · 0 with monetary relief
- John C. Heath, Attorney at Law, PLLC10.0% of all · 0 with monetary relief
- Klarna AB10.0% of all · 0 with monetary relief
- LCI Acquisition Inc.10.0% of all · 0 with monetary relief
- MECHANICS BANK10.0% of all · 0 with monetary relief
- MIDFIRST BANK10.0% of all · 0 with monetary relief
- MORGAN STANLEY & CO. LLC10.0% of all · 0 with monetary relief
- MoneyLion Inc.10.0% of all · 0 with monetary relief
- Nav Technologies, Inc.10.0% of all · 0 with monetary relief
- Netspend Corporation10.0% of all · 0 with monetary relief
- OLD NATIONAL BANCORP10.0% of all · 0 with monetary relief
- Omnex Group, Inc.10.0% of all · 1 with monetary relief
- OneMain Finance Corporation10.0% of all · 0 with monetary relief
- PAY-O-MATIC10.0% of all · 0 with monetary relief
- Plastiq Inc.10.0% of all · 0 with monetary relief
- RANDOLPH-BROOKS FEDERAL CREDIT UNION10.0% of all · 0 with monetary relief
- Servicer under contract with Federal Student Aid10.0% of all · 0 with monetary relief
- Skrill USA, Inc.10.0% of all · 0 with monetary relief
- TEXAS CAPITAL BANCSHARES, INC.10.0% of all · 0 with monetary relief
- TOYOTA MOTOR CREDIT CORPORATION10.0% of all · 0 with monetary relief
- TradeStation Group, Inc.10.0% of all · 0 with monetary relief
- VALLEY NATIONAL BANCORP10.0% of all · 0 with monetary relief
- VYSTAR CREDIT UNION10.0% of all · 0 with monetary relief
- WSFS FINANCIAL CORPORATION10.0% of all · 0 with monetary relief
- Winklevoss Exchange LLC10.0% of all · 0 with monetary relief
- eToro USA LLC10.0% of all · 0 with monetary relief
How International Money Transfer Complaints Have Changed Since 2018
International money transfer complaints rose from 884 in 2018 to 2,387 in 2025.
The 2025 count is 2.7 times the 2018 count; the most-named company changed from Western Union to JPMorgan Chase in 2022 and back to Western Union in 2025.
After a dip to 839 in 2019, the yearly count rose every year through 2025. JPMorgan Chase was the most-named company from 2022 to 2024, with a high of 277 complaints in 2023, when Western Union drew 129. In 2025, Western Union returned to first place with 237, about as many as its 236 in 2018.
From January through September 2026, the CFPB published 2,250 international money transfer complaints, 255 of them about Western Union. This partial year is not comparable with full years, and recent months can still grow as complaints are published.
International money transfer complaints by year, 2018 to September 2026
| Year | Complaints | Most named |
|---|---|---|
| 2026 | 2,250 | Western Union |
| 2025 | 2,387 | Western Union |
| 2024 | 2,018 | JPMorgan Chase |
| 2023 | 1,752 | JPMorgan Chase |
| 2022 | 1,567 | JPMorgan Chase |
| 2021 | 1,258 | Western Union |
| 2020 | 1,192 | Western Union |
| 2019 | 839 | Western Union |
| 2018 | 884 | Western Union |
The 2026 row covers January 1 through September 30, 2026, only.
What People Complain About in International Money Transfers
Funds that were not available when promised and fraud or scams together account for 46.9% of 2025 complaints.
"Other transaction problem" leads with 41.4%; "Money was not available when promised" (24.3%) and "Fraud or scam" (22.6%) follow.
Consumers pick the issue themselves from the CFPB's list. In 2025, 580 complaints said the money was not available when promised and 539 described fraud or a scam. The largest group, 989 complaints, chose "Other transaction problem".
International money transfer complaints by issue, 2025
- Other transaction problem98941.4% of all · 10.3% with monetary relief
- Money was not available when promised58024.3% of all · 13.6% with monetary relief
- Fraud or scam53922.6% of all · 4.6% with monetary relief
- Other service problem984.1% of all · 3.1% with monetary relief
- Confusing or missing disclosures723.0% of all · 4.2% with monetary relief
- Wrong amount charged or received713.0% of all · 7.0% with monetary relief
- Unexpected or other fees381.6% of all · 2.6% with monetary relief
Which Companies Report Monetary Relief Most Often
Among the 12 companies with at least 50 complaints in 2025, MoneyGram and Bank of America reported monetary relief most often.
MoneyGram 32.5%, Bank of America 29.5%; 4 of the 12 companies, among them Western Union and Remitly, reported none.
When a company answers a complaint, it tells the CFPB how it closed it. "Closed with monetary relief" means the company reported giving the consumer money back or another monetary benefit. Across all 2025 international transfer complaints, 218 (9.1%) were closed this way. JPMorgan Chase reported it in 1.4% of its complaints.
The response type is reported by the company and is not verified by the CFPB. A low share does not show that consumers were not helped, and a high share does not show wrongdoing.
Complaints closed with monetary relief by company, 2025
| Company | Complaints | Relief | Relief share |
|---|---|---|---|
| Western Union | 237 | 0 | 0.0% |
| JPMorgan Chase | 210 | 3 | 1.4% |
| Bank of America | 200 | 59 | 29.5% |
| Wise (TransferWise Ltd) | 187 | 9 | 4.8% |
| MoneyGram | 166 | 54 | 32.5% |
| PayPal | 163 | 14 | 8.6% |
| Remitly | 157 | 0 | 0.0% |
| Wells Fargo | 135 | 9 | 6.7% |
| Block (Cash App) | 112 | 0 | 0.0% |
| Citibank | 80 | 7 | 8.8% |
| Early Warning Services (Zelle) | 76 | 0 | 0.0% |
| Chime Inc. | 59 | 16 | 27.1% |
All 131 companies
| Company | Complaints | Relief | Relief share |
|---|---|---|---|
| Ria Envia | 45 | 0 | 0.0% |
| Bank of New York Mellon | 37 | 0 | 0.0% |
| TClub Inc | 28 | 0 | 0.0% |
| TapTap Send | 27 | 18 | 66.7% |
| PNC Bank | 26 | 1 | 3.8% |
| Chime Financial Inc | 23 | 1 | 4.3% |
| Newport Intermediate Inc. | 22 | 0 | 0.0% |
| TD Bank | 22 | 6 | 27.3% |
| Capital One | 21 | 0 | 0.0% |
| WorldRemit | 21 | 2 | 9.5% |
| HSBC North America | 20 | 2 | 10.0% |
| Navy Federal Credit Union | 17 | 2 | 11.8% |
| Truist | 17 | 0 | 0.0% |
| Discover Bank | 16 | 0 | 0.0% |
| U.S. Bancorp | 13 | 0 | 0.0% |
| IDT Telecom, Inc | 10 | 0 | 0.0% |
| Revolut Technologies Inc. | 10 | 2 | 20.0% |
| AMERICAN EXPRESS COMPANY | 9 | 2 | 22.2% |
| Paysend US LLC | 9 | 0 | 0.0% |
| Xoom (PayPal unit) | 9 | 0 | 0.0% |
| FIFTH THIRD FINANCIAL CORPORATION | 8 | 1 | 12.5% |
| Google Compare Credit Cards Inc. | 7 | 0 | 0.0% |
| Grey Inc | 7 | 0 | 0.0% |
| Mercury Technologies, Inc. | 7 | 0 | 0.0% |
| UNITED SERVICES AUTOMOBILE ASSOCIATION | 7 | 3 | 42.9% |
| Coinbase | 5 | 3 | 60.0% |
| HUNTINGTON NATIONAL BANK, THE | 5 | 0 | 0.0% |
| Nala Payments LLC | 5 | 0 | 0.0% |
| Sigue | 5 | 0 | 0.0% |
| CITIZENS FINANCIAL GROUP, INC. | 4 | 0 | 0.0% |
| Deutsche Bank | 4 | 0 | 0.0% |
| ENOVA INTERNATIONAL, INC. | 4 | 0 | 0.0% |
| FLORIDA HOME TRUST MORTGAGE | 4 | 0 | 0.0% |
| INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION | 4 | 0 | 0.0% |
| ROBINHOOD MARKETS INC. | 4 | 0 | 0.0% |
| Relay Financial (US), Corp. | 4 | 0 | 0.0% |
| SANTANDER HOLDINGS USA, INC. | 4 | 0 | 0.0% |
| Experian Information Solutions Inc. | 3 | 0 | 0.0% |
| Layer2 Financial Inc. | 3 | 0 | 0.0% |
| Majority USA, LLC | 3 | 0 | 0.0% |
| Meta Payments Inc. | 3 | 0 | 0.0% |
| Pavilion Payments US BuyerCo, LLC | 3 | 0 | 0.0% |
| Pomelo Technology US Inc | 3 | 0 | 0.0% |
| REGIONS FINANCIAL CORPORATION | 3 | 0 | 0.0% |
| ZIONS BANCORPORATION | 3 | 0 | 0.0% |
| ALLY FINANCIAL INC. | 2 | 0 | 0.0% |
| Airtm Inc. | 2 | 0 | 0.0% |
| BANKUNITED, NATIONAL ASSOCIATION | 2 | 0 | 0.0% |
| FIRST NATIONAL BANK OF OMAHA | 2 | 0 | 0.0% |
| Foris DAX, Inc. | 2 | 0 | 0.0% |
| KEYCORP | 2 | 0 | 0.0% |
| M&T BANK CORPORATION | 2 | 0 | 0.0% |
| Northern Trust Company, The | 2 | 0 | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | 1 | 50.0% |
| PINGPONG GLOBAL SOLUTIONS INC | 2 | 0 | 0.0% |
| Payward Ventures Inc. dba Kraken | 2 | 0 | 0.0% |
| Pintor Partners, LP | 2 | 0 | 0.0% |
| SOFI TECHNOLOGIES, INC. | 2 | 0 | 0.0% |
| SYNCHRONY FINANCIAL | 2 | 0 | 0.0% |
| VIAMERICAS CORPORATION | 2 | 0 | 0.0% |
| Veem Inc. | 2 | 0 | 0.0% |
| WEBSTER BANK, NATIONAL ASSOCIATION | 2 | 0 | 0.0% |
| AMERICA FIRST FEDERAL CREDIT UNION | 1 | 0 | 0.0% |
| AMERIS BANCORP | 1 | 0 | 0.0% |
| ARVEST BANK GROUP, INC. | 1 | 0 | 0.0% |
| AXOS FINANCIAL, INC. | 1 | 0 | 0.0% |
| Atlantic Union Bankshares, Inc. | 1 | 0 | 0.0% |
| BANK OF HAWAII CORPORATION | 1 | 1 | 100.0% |
| BANNER CORPORATION | 1 | 0 | 0.0% |
| BMO BANK NATIONAL ASSOCIATION | 1 | 0 | 0.0% |
| BitGo Holdings, Inc. | 1 | 0 | 0.0% |
| Branch Messenger, Inc. | 1 | 0 | 0.0% |
| COINFLIP LLC | 1 | 0 | 0.0% |
| COLUMBIA BANKING SYSTEM, INC. | 1 | 0 | 0.0% |
| CUSTOMERS BANCORP, INC | 1 | 0 | 0.0% |
| CVB FINANCIAL CORP. | 1 | 0 | 0.0% |
| Comerica | 1 | 0 | 0.0% |
| Credit Sage LLC | 1 | 0 | 0.0% |
| Currencies Direct Inc. | 1 | 0 | 0.0% |
| Customer Service Mortgage Corporation | 1 | 0 | 0.0% |
| DApps Platform, Inc. | 1 | 0 | 0.0% |
| Dave Operating, LLC | 1 | 0 | 0.0% |
| EAST WEST BANK | 1 | 0 | 0.0% |
| EQUIFAX, INC. | 1 | 0 | 0.0% |
| Escrow Inc | 1 | 0 | 0.0% |
| Exeter Finance, LLC. | 1 | 0 | 0.0% |
| FISERV FINXACT CORE | 1 | 0 | 0.0% |
| FinCo Services Inc DBA Current | 1 | 0 | 0.0% |
| FourLeaf Federal Credit Union | 1 | 0 | 0.0% |
| GOLDMAN SACHS BANK USA | 1 | 0 | 0.0% |
| Higlobe, Inc. | 1 | 1 | 100.0% |
| IDAHO CENTRAL CREDIT UNION | 1 | 0 | 0.0% |
| INTER & CO PAYMENTS, INC. | 1 | 0 | 0.0% |
| Instarem PTE Limited | 1 | 0 | 0.0% |
| John C. Heath, Attorney at Law, PLLC | 1 | 0 | 0.0% |
| Klarna AB | 1 | 0 | 0.0% |
| LCI Acquisition Inc. | 1 | 0 | 0.0% |
| MECHANICS BANK | 1 | 0 | 0.0% |
| MIDFIRST BANK | 1 | 0 | 0.0% |
| MORGAN STANLEY & CO. LLC | 1 | 0 | 0.0% |
| MoneyLion Inc. | 1 | 0 | 0.0% |
| Nav Technologies, Inc. | 1 | 0 | 0.0% |
| Netspend Corporation | 1 | 0 | 0.0% |
| OLD NATIONAL BANCORP | 1 | 0 | 0.0% |
| Omnex Group, Inc. | 1 | 1 | 100.0% |
| OneMain Finance Corporation | 1 | 0 | 0.0% |
| PAY-O-MATIC | 1 | 0 | 0.0% |
| Plastiq Inc. | 1 | 0 | 0.0% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 1 | 0 | 0.0% |
| Servicer under contract with Federal Student Aid | 1 | 0 | 0.0% |
| Skrill USA, Inc. | 1 | 0 | 0.0% |
| TEXAS CAPITAL BANCSHARES, INC. | 1 | 0 | 0.0% |
| TOYOTA MOTOR CREDIT CORPORATION | 1 | 0 | 0.0% |
| TradeStation Group, Inc. | 1 | 0 | 0.0% |
| VALLEY NATIONAL BANCORP | 1 | 0 | 0.0% |
| VYSTAR CREDIT UNION | 1 | 0 | 0.0% |
| WSFS FINANCIAL CORPORATION | 1 | 0 | 0.0% |
| Winklevoss Exchange LLC | 1 | 0 | 0.0% |
| eToro USA LLC | 1 | 0 | 0.0% |
Download the Data and Cite This Study
Every table as a CSV file and in one Excel workbook, a short PDF summary and every chart as an image, free to reuse with attribution (CC BY 4.0).
- CFPB international money transfer complaints by company, 2025Every company named in a 2025 CFPB complaint about an international money transfer, with its complaint count, share of the total, complaints closed with monetary relief and its most common issue; raw counts, not adjusted for transfer volume. · 131 rows · CSV, 12 KB
- CFPB international money transfer complaints by issue, 2025Complaints per issue as selected by the consumer, with the share of all 2025 international transfer complaints and the share closed with monetary relief. · 7 rows · CSV, 1 KB
- CFPB international money transfer complaints by year, 2018 to September 2026Yearly international money transfer complaints, the company named most often and Western Union's count; 2026 covers January through September only. · 9 rows · CSV, 1 KB
- Companies with the most CFPB international money transfer complaints, by year, 2018 to September 2026The five companies named most often in international money transfer complaints in each year, with counts and share of that year's total; 2026 is partial. · 45 rows · CSV, 3 KB
- All tables in one Excel workbookOne sheet per table plus an About sheet with sources, method and citation · Excel (.xlsx), 19 KB
- Summary to print or forward (3 pages)Short answer, key figures, main chart, findings, method and citation · PDF, 209 KB
Charts for your story
International money transfer complaints by company, 2025
Embed this chart
International money transfer complaints by year, 2018 to September 2026
Embed this chart
International money transfer complaints by issue, 2025
Embed this chart
Complaints closed with monetary relief by company, 2025
Embed this chart
How to cite
Goldberg, L. (2026). International Money Transfer Complaints to the CFPB — Complaints by Company, Year and Issue (2018–2025) [Data set]. Settlement Insight. https://settlementinsight.com/research/international-money-transfer-complaints-by-company
BibTeX
@dataset{goldberg_2026_international_money_transfer_complaints_by_company,
author = {Goldberg, Leonard},
title = {International Money Transfer Complaints to the CFPB --- Complaints by Company, Year and Issue (2018--2025)},
year = {2026},
publisher = {Settlement Insight},
url = {https://settlementinsight.com/research/international-money-transfer-complaints-by-company}
}How We Measured
Checked against published figures
- Money services complaints (all sub-products, incl. international transfers) the CFPB sent to companies in calendar year 2025: published 85,100, our count 84,619 (0.57% apart).CFPB Consumer Response Annual Report, January 1 – December 31, 2025 (section 4.5)
Full method and limits of the data
We kept every complaint with the product "Money transfer, virtual currency, or money service" and the sub-product "International money transfer", as selected by the consumer. Each complaint is assigned to the calendar year in which the CFPB received it. The series starts in 2018, the first full year of the current product category, which appears in the data from April 24, 2017; 2026 is counted through September 30 and shown as a partial year only.
Companies are counted under the name in the CFPB company field, without merging name variants. Shares divide a company's complaints by all international money transfer complaints in the same year. The monetary relief comparison lists companies with at least 50 complaints in 2025; the leaders file lists the 5 most-named companies in each year.
To check the data, we compared our count with the CFPB's Consumer Response Annual Report for 2025, which says the CFPB sent approximately 85,100 money services complaints (all sub-products) to companies in 2025. The public database holds 84,619 such complaints received in 2025, 0.6% fewer. International transfers make up 2.8% of them.
What this data cannot tell you
- Complaint counts are not adjusted for the number or value of transfers each company handles, and the CFPB does not publish those figures by company. The database is not a statistical sample of consumers' experiences, and a complaint is an allegation by the consumer, not a finding against the company.
- The CFPB does not publish complaints it refers to other regulators, such as complaints about banks and credit unions with less than $10 billion in assets. Banks and credit unions with less than $10 billion in assets are therefore largely missing from the ranking.
- Consumers choose the product and sub-product themselves. Some international transfer complaints may be filed under domestic transfers or other categories, and the data do not show whether a complaint concerns a cash-funded transfer.
- The CFPB publishes complaints with a delay of up to 15 days, and companies can update their responses. Counts for 2026 and the most recent months can still grow, so the partial 2026 figure is not comparable with full years.
Frequently Asked Questions
Which company has the most international money transfer complaints?
In 2025, Western Union was named in 237 of the 2,387 international money transfer complaints published by the CFPB, more than any other company. JPMorgan Chase (210) and Bank of America (200) followed.
How many CFPB complaints are there about Western Union?
Western Union drew 237 international money transfer complaints in 2025, 9.9% of the total, and 255 from January through September 2026. It was the most-named company in every year from 2018 to 2021 and again in 2025.
How many complaints does Remitly have compared with Wise and MoneyGram?
In 2025, the CFPB published 187 international transfer complaints about Wise (TransferWise Ltd), 166 about MoneyGram and 157 about Remitly. These are raw counts that do not account for each company's transfer volume.
What are the most common complaints about international money transfers?
In 2025, 24.3% of complaints said the money was not available when promised and 22.6% concerned fraud or a scam. The largest group, 41.4%, chose "Other transaction problem".
Are complaints about international money transfers increasing?
Yes. They rose every year from 2019 to 2025, from 839 to 2,387. The 2025 count was 18.3% higher than the 2,018 complaints received in 2024.
Does the 1% remittance tax apply to all international transfers?
No. Under 26 U.S.C. § 4475, the 1 percent tax applies to transfers made after December 31, 2025, for which the sender pays with cash, a money order, a cashier's check or a similar physical instrument. The CFPB complaint data do not show how a transfer was funded.
Sources
- Consumer Complaint Database — Consumer Financial Protection Bureau
- Consumer Response Annual Report, January 1 – December 31, 2025 — Consumer Financial Protection Bureau
- 26 U.S. Code § 4475 – Imposition of tax on remittance transfers — Legal Information Institute, Cornell Law School
Independent analysis. Settlement Insight is not a law firm and not affiliated with any agency named here. Analysis by Leonard Goldberg, Editor. How we work: methodology, our data.
More Research and Data
Other studies from our database of public legal records — each with free CSV downloads.
Related research
- Which Banks Pay Monetary Relief on ComplaintsHow often banks report closing CFPB complaints with monetary relief.
- Earned Wage Access App ComplaintsCFPB complaints about pay-advance apps by company.
- Government Benefit Card Complaints by CompanyCFPB complaints about Direct Express, EBT and other benefit cards.
Latest studies
- Clayton lenders in mobile home complaintsTwo Clayton Homes lenders account for 44.3% of CFPB manufactured home loan complaints
- Credit Card Interest ComplaintsSynchrony: 736 CFPB complaints about credit card interest in 2025, the most of any company
- Gift Card Complaints by CompanyAmerican Express: 50.6% of CFPB gift card complaints in 2024–2025, the most of any company
- Health Agency Data Breaches22.7 million individuals affected in federal and state health agency breaches reported to HHS since 2009