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Western Union: We’re reviewing your transfers

[email protected] <[email protected]>
Sáb 23/05/2020 02:15 PM
Para: [email protected] <[email protected]>

Dear Miguel Martinez,

Thank you for using Western Union. We wanted to let you know that we’re reviewing your transfer.
This review typically takes about 30 minutes. There is nothing you need to do at this time, however we may need to
contact you.

When we are finished with our review, we will notify you . You can check the status anytime in your profile.

Thanks again,

Western Union.

For mobile transactions, this is your receipt. For all other transactions , this is a summary of your online receipt.

Your tracking number (MTCN) is: 4667907470

Date of Transactions: May 23, 2020 17:15:11 ET

Payment Method: Delivery Method:

Card Number: XXXX-XXXX-XXXX- 6350

Sender: Final Receiver:

Name: Miguel Martinez Name: Juan Diego Ruiz Gomez
Address: 2731 N PERSHING AVE
City: SAN BERNARDINO
Country: COLOMBIA
State: CA
Expected Foreign Country COLOMBIA
ZIP: 92405
Payout Location:
Phone Number: 9096313876
Payment Information: Payout Information:
Card Type: Visa Today's Date: May 23, 2020
Card Number: XXXX-XXXX-XXXX-6350 Date available in Final May 24, 2020
Expiration Date: 042021 Receiver's country:
Transaction type: Purchase Delivery Method: .
At any agent location in Final
Receiver's Expected Foreign
country Payout Location.

Billing Summary: Transfer Summary:

Transfer Amount: 210.00 USD Exchange Rate: 1.00 USD = 3398.8463 COP
+ 7.00 USD
Transfer Fees:
Transfer Amount: 713,758.00 COP

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Promotion Discount: - 0.00 USD

Total: 217.00 USD

Any promotion discount already has been applied Total to Final Receiver: 713,758.00 COP

For all transfers, Final Receiver may receive less due to Foreign taxes. For transfers to a bank account, Final Receiver may
also receive less due to fees charged by the Final Receiver's bank.

You have a right to dispute errors in your transaction s. If you think there is an error, contact us within 180 days of the
date we promised you that the funds would be made available to the Final Receiver at 1-800-325-6000 or
https://care.westernunion.com/us/en/ask You can also contact us for a written explanation of your rights.

Subject to applicable law, you may cancel for a full refund within 30 minutes of payment, unless the funds have been
picked up or deposited.

For inquiries or comments, please visit https://care.westernunion.com/us/en/ask, e-mail Western Union or write to:

Western Union.
P.O. Box 6036, Englewood, CO 80155
or call: 800-325-6000

For questions or complaints about Western Union, contact:

Consumer Financial Protection Bureau

1-855-411-2372
1-855-729-2372 (TTY/TDD)Ftran
http://www.consumerfinance.gov/

California Department of Business Oversight, Consumer Services

1-866-275-2677
1-916-327-7585
http://www.dbo.ca.gov
WUFSI issues the receipt when you pay WUFSI and WUIS issues the receipt when WUFSI pays WUIS on Your behalf.

The issuance of this receipt is subject to the terms of the pre-transaction disclosure statement You received before You
paid for the transaction and our Terms & Conditions.

For transactions initiated in California: If you have complaints with respect to any aspect of the money transmission
activities conducted at this location, you may contact the California Department of Business Oversight at its toll-free
telephone number, 1-866-275-2677, by email at [email protected], or by mail at the Department of
Business Oversight, Consumer Services, 1515 K Street, Suite 200, Sacramento, CA 95814

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Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both
transfer fees and exchange rates. Fees,foreign exchange rates and taxes may vary by brand, channel, and location based
on a number of factors. Fees and rates subject to change without notice.

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Gold Card/My WU®: 431291585 Points Earned: 7 Total Points: 7

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CONSUMER FRAUD ALERT: PROTECT YOURSELF. BE CAREFUL WHEN A STRANGER ASKS YOU TO SEND MONEY,
ESPECIALLY FOR INTERNET AUCTIONS, NEWSPAPER OR TELEPHONE OFFERS. Western Union does not guarantee
delivery or suitability of goods or services paid for with Services. Western Union is not an escrow service provider.
Customer and Receiver agree not to use Services for escrow purposes.

“THE SERVICES, AS DEFINED BELOW, ARE PROVIDED TO YOU SUBJECT TO THE FULL TERMS AND CONDITIONS
AND APPLICABLE LAW.”

1.WHEN YOU SEND MONEY WITHIN THE U.S. OR ITS TERRITORIES ("U.S."), WESTERN UNION®, VIGO® AND

ORLANDI VALUTASM ("OV") MONEY TRANSFER SERVICES (COLLECTIVELY, THE "SERVICE(S)") ARE PROVIDED BY
WESTERN UNION FINANCIAL SERVICES, INC. ("WUFSI"). WHEN YOU SEND MONEY OUTSIDE THE U.S., SERVICES
ARE PROVIDED JOINTLY BY WUFSI AND WESTERN UNION INTERNATIONAL SERVICES, LLC ("WUIS"). THE U.S.
PORTION OF THE SERVICES ARE TYPICALLY PROVIDED THROUGH A WESTERN UNION, VIGO, OR OV AGENT.
WUIS PROVIDES THE NON-U.S. PORTION OF THE SERVICES. ALL PORTIONS OF THE SERVICES (U.S. AND NON-
U.S.) ARE SUBJECT TO THESE TERMS AND CONDITIONS ("AGREEMENT") AND APPLICABLE LAW. Additional
information regarding the Services may be obtained in this Agreement, at wu.com, vigousa.com and orlandivaluta.com,
depending on the Services you choose. As used in this Agreement, "WU" or "Western Union" refers to WUFSI for
transactions sent within the U.S., and WUFSI and WUIS for transactions sent outside of the U.S., and "Agent(s)" refers to
U.S. agents of WUFSI and/or international agents or representatives of WUIS, as applicable. Service and funds availability
depend on certain factors including the Service selected, the selection of delayed delivery options, special terms
applicable to each Service, amount sent, destination country, currency availability, regulatory or consumer protection
issues, identification requirements, delivery restrictions, agent location hours, and differences in time zones. "Receiver(s)"
or "Final Receiver(s)" means the recipient designated by the consumer ("You" or "Your") to receive funds sent by You in
the Expected Payout Location ("EPL"). For transactions sent within the U.S., EPL generally means any Agent location in the
destination state or U.S. territory You identify. For transactions sent outside the U.S., EPL generally means any Agent
location in the destination Country You identify. The Services offered by Telecomunicaciones de Mexico ("Telecomm") are
only available at Telecomm locations. Receiver will normally receive funds in cash, check, or a combination thereof; with
some Services, funds may be credited to a bank account, prepaid, debit or credit card ("Card(s)"), mobile wallet
("MWallet(s)"), or similar account (collectively, "Account(s)"). Receiver may be able to elect a payout method that differs
from the payout method You specify; You authorize WU to honor Receiver’s election of payout method. Receivers who
choose to receive funds through a payout method other than cash or in a currency other than the one You selected may
incur additional fees to access funds. Certain countries and/or jurisdictions may impose a tax, fee and/or tariff on
Receiver's receipt of, or access to, transferred funds. Transactions may be reported to applicable authorities. Messaging
and notification services may be included for additional fees. In some destinations Receiver may be required to provide
identification, a test question answer or both to receive funds in cash. Test questions are not an additional security
feature and cannot be used to time or delay the payment of a transaction and are prohibited in certain countries. WU
RELIES ON THE INFORMATION YOU PROVIDE US TO SEND MONEY. PLEASE REVIEW ALL TRANSACTION DETAILS FOR
ACCURACY BEFORE CONTINUING YOUR TRANSACTION.

2.REFUNDS: Subject to applicable law: (i) transactions may be canceled for a refund of the transfer amount,

unless the funds have been picked up or deposited at the time WU receives Your written request; (ii) for certain
services, excluding WU's bill payment and prepaid products and services, WU may provide a transfer fee refund
if funds are not available within the specified timeframe; and (iii) WU may charge You a fee to refund the transfer
amount back to You in those instances where Receiver rejects Your funds. Qualifying refunds for transactions
within the U.S. will be made within 45 days of receipt of Your valid written request. WU may issue Your refund
through a Western Union money transfer or WU may issue the refund to the credit / debit card or bank account
that was used to pay for the transaction. In lieu of receiving the refund by a Western Union money transfer, You
may request WU to mail You a check in the amount of the refund. SPECIAL TERMS FOR INTERNATIONAL
TRANSACTIONS: Notwithstanding the foregoing, and subject to applicable law, international transactions may
be canceled for a full refund of the transfer amount and fees paid within 30 minutes of payment, unless the
funds have been picked up or deposited. You may also receive a full refund in certain circumstances if You
successfully assert an error or as otherwise provided under applicable law.

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For transactions initiated in California: RIGHT TO REFUND: "You, the customer, are entitled to a refund of the
money to be transmitted as the result of this agreement if Western Union Financial Services, Inc. or Western
Union International Services, LLC does not forward the money received from you within 10 days of the date of its
receipt, or does not give instructions committing an equivalent amount of money to the person designated by
you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your
instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has
not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you
must mail or deliver your written request to Western Union Financial Services, Inc. or Western Union
International Services, LLC at PO Box 6036, Englewood, CO 80155. If you do not receive your refund, you may be
entitled to your money back plus a penalty of up to $1,000 and attorney's fees pursuant to Section 2102 of the
California Financial Code.

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3.RESOLUTION OF DISPUTES: Unless You opt out as set forth below, any dispute arising from or relating to this

transaction shall be resolved by Final and binding arbitration. The arbitrator shall also decide what is subject to
arbitration. The arbitration will be administered by National Arbitration and Mediation ("NAM") under its Comprehensive
Dispute Resolution Rules and Procedures, which are available at www.namadr.com/downloads.cfm or by writing to 990
Stewart Ave., 1st Fl., Garden City, NY, 11530, and explain how to initiate arbitration. You will be responsible for up to $125
of the administration fees. WU may reduce this amount if You demonstrate hardship. This Agreement is governed by the
Federal Arbitration Act, and any award shall be subject to judicial confirmation. Any arbitration shall take place on an
individual basis; class actions or arbitrations are not permitted. If any part of this paragraph is deemed invalid, it
shall not invalidate the other parts. If NAM is unavailable, the parties or a court will select another arbitrator. You may opt
out of arbitration within 30 days after initiating a transaction by calling 1-800-325-6000 (WU), 1-866-519-0433 (Vigo) or
1-800-515-5505 (OV). IF YOU DO NOT OPT OUT, YOU WILL WAIVE ANY RIGHT TO A TRIAL BY JURY OR JUDGE IN COURT
AND ANY RIGHT TO PARTICIPATE IN A CLASS ACTION.

4.LIMITATIONS OF LIABILITY: TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW: (1) IN NO EVENT SHALL WU
BE LIABLE FOR DAMAGES WHETHER CAUSED BY NEGLIGENCE ON THE PART OF ITS EMPLOYEES, SUPPLIERS OR AGENTS
OR OTHERWISE, BEYOND THE SUM OF $500 (in addition to refunding the transfer amount and transfer fee and except as
provided in California Financial Code § 2102); and (2) IN NO EVENT SHALL WU OR ITS AGENTS BE LIABLE FOR ANY
INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR THE LIKE.

5.INTERNATIONAL TRANSACTIONS, CURRENCY EXCHANGE: When You send money outside the U.S., You are

contracting with both WUFSI and WUIS, which are conducting two separate money transfer transactions in order
to make the money available to Final Receiver. In the first transaction, You are engaging WUFSI and its Agents to
collect Your money and make it available to WUIS. In the second transaction, You are engaging WUIS to convert
Your money into the correct currency and make the funds available to Final Receiver outside the U.S. WUFSI
issues the receipt when you pay WUFSI and WUIS issues the receipt when WUFSI pays WUIS on Your behalf. In
addition to the transfer fees, which are charged by WUIS, a currency exchange rate will be applied. U.S. currency
is converted to foreign currency at an exchange rate set by WU unless the laws of the EPL do not permit WU to
set an exchange rate. Any difference between the rate given to You and the rate received by WU will be kept by
WU (and, in some cases, its Agents) in addition to the transfer fees. Subject to applicable law, the actual or
estimated currency exchange rate applicable to Your transaction will be provided on the written disclosures
provided to You by WU. Payouts will generally be made in the national currency of the EPL ("Local Currency"). In
some countries, You may designate a payout currency other than the Local Currency; however, the alternate
currency You choose may not be available at all Agent locations. WU is not responsible for the currency exchange
rate that will be applied if Final Receiver chooses to receive a currency other than the currency You selected.

6.PRIVACY: We may collect and disclose personal information to third parties as explained in our Privacy Statement. To

get a copy, visit wu.com or email [email protected]. We collect personal information, for example, when You
transact with us (e.g., using the Services) and other companies; submit information on applications, forms, and by other
means; use or visit our or other apps or online sites; enter a promotion; register for communications; or join a loyalty
program. We also collect information from many sources and may collect, track and combine information across devices,
platforms and channels. Information disclosed may include financial data (e.g., information on transactions with us and
other financial matters), contact information, identification, computer, mobile device and social network information.
Recipients may include financial and non-financial companies, service providers, government agencies and direct
marketers. You may direct us to limit certain disclosures, and Your choice will apply until You change Your choice or we
delete Your data. To limit disclosures (opt out), email [email protected].

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DON’T REPLY TO THIS EMAIL. IF YOU HAVE QUESTIONS PLEASE CONTACT US.

This is a customer service email from Western Union. Please don’t reply to this email, but instead contact us through the
"Contact Us" section at https://care.westernunion.com/us/en/ask if you need help.

Western Union
PO Box 6036 Englewood,
CO 80155

Privacy Statement

If you believe this may be a fraudulent email, type https://care.westernunion.com/us/en/ask directly into your browser.
Learn more about how to protect yourself from fraud.

Services may be provided by Western Union Financial Services, Inc. NMLS# 906983 and/or Western Union International
Services, LLC NMLS# 906985, which are licensed as Money Transmitters by the New York State Department of Financial
Services. See terms and conditions for details

©2020 Western Union Holdings, Inc. All rights reserved.

MTREVIEW_US_en

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