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What if the money never arrives?

Short answer

Contact the provider right away with your receipt. If it isn’t resolved, you can complain to the CFPB.

Rules differ by state. This is general information, not legal or professional advice.

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Official sources

CFPB: sending money abroad (remittances)consumerfinance.gov
FTC consumer advice: money transfer scamsconsumer.ftc.gov
NCUA: find a credit unionncua.gov