Horrible, when they loose your money they would do a 30 day investigation, still complain have to do an affidavit than wait another 30 day. When they make an error they tried hard not to pay you. The service center is outsourced so their might be a lost in translation. I just ask xoom to close my account. I was a regular customer for a year prior to their mishandling. Update one year later see below: "We’re mailing you a check refunding the total amount of the disputed transaction".HORRIBLE !