RemittancePulse › Money Transfer Rights › Scammed? Honest Answer

Scammed? The honest answer

The honest answer: Funds delivered exactly as instructed to a recipient who turns out to be a scammer is NOT a Subpart B "error" — delivery occurred as disclosed (fraudulent PICKUP by someone other than the designated recipient IS an error, comment 33(a)-5.iii, but a scam recipient the sender designated is not). The free CFPB complaint route and provider goodwill remain; we do not sell a letter that has no regulatory engine behind it.

The line that actually matters

Delivered-as-instructed to a recipient who turns out to be a scammer is not a Subpart B error. Fraudulent pickup by a person other than the designated recipient is a different fact pattern entirely — that IS covered as a not-available-by-date error (12 CFR 1005.33(a)(1)(iv) — funds not available to the designated recipient by the disclosed Date Available: late delivery, non-delivery, delivery to the wrong account, FRAUDULENT PICKUP by a person other than the designated recipient, and agent retention all count (comment 33(a)-5.i–iv)).

What still remains

Free escalation that no arbitration clause can remove: the CFPB complaint portal (consumerfinance.gov/complaint, "money transfer" category) and the STATE licensing agency — both are printed on your receipt by law (12 CFR 1005.31(b)(2)(vi)). The provider's §1005.33 error-resolution duties are regulatory compliance obligations that exist regardless of any arbitration clause.

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Generated 2026-07-07 by RemittancePulse (The Aslan Group LLC) from the same source-cited legal reference data our paid engine uses (12 CFR 1005.30-.36, EFTA, CA Fin. Code §2102). Informational, not legal advice — rules change; verify with the cited instruments and your own receipt. Contact: info@theaslangroupllc.com