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None. Dear Consumer Protection Officer, I am writing to formally report a serious issue involving Remitly , Inc., a digital money transfer service, concerning a transaction that may constitute fraudulent misrepresentation and mishandling of funds. On XX/XX/year>, I submitted an international money transfer through Remitly ( Transaction ID : XXXX ) to a recipient in XXXX. I sent {$400.00} USD, which Remitly confirmed as completed and deposited via Access Bank. However, the recipient has not received the funds to date. Upon further investigation, I discovered the following critical issue : The recipients account is a USD-denominated domiciliary account. Remitly processed the transaction in XXXX ( XXXX ), despite there being no disclosure or prompt during the transfer process to con