xoom xoom corporation, xoom.com beware of unanticipated fees San Francisco California

Hello Matthew,

Thank  you for responding to my concern. As explained in my note to xoom, here's the screenshots of what I saw on xoom.com during my money transfer process:

dropbox.com/sh/cp13n2ll3git89h/wVVxRJWyuN

Notice no where on any of the money transfer process was I ever given a forewarning that this would be seen as a cash advance or that there would be a finance charge.

On the contrary, I was advised that using my CC would imply a "free" transaction. 

This, in my opinion is deceptive practice.

As requested earlier, the middle ground solution here is for xoom to cancel my credit card transaction (which would refund me my fees) and fund the transaction through my bank account.

Thank you for taking the time to share your concerns. We are sorry to hear that your credit card company has charged you an additional fee. When sending a transaction using a credit card, customers are notified that the customer's credit card company may charge additional fees. When choosing a payment method, there is a message to customers that states, "Your credit card company may charge additional fees." Additionally, when entering the credit card information, customers see a large text box that states: "Things to know about Credit Cards: *Pay with a bank account instead - it's safe, a better value, and usually as fast as a card. *Your credit card company may charge a cash advance fee for money transfers." We also provide this information to customers in our user agreement: "Xoom is not responsible for any fees or charges that may be imposed by the financial institutions associated with your Payment Instruments. For example (without limitation), some credit card issuers may treat the use of your credit card to use the Service as a "cash advance" rather than a purchase transaction, and may impose additional fees and interest rates for the transaction. Xoom is not responsible for any non-sufficient funds charges, chargeback fees, or other similar charges that might be imposed on you by your bank, credit card issuer, or other provider." While we are sorry to hear that your credit card company charged a fee, this charge was not made by Xoom. We appreciate your feedback and will take it into consideration when making future site improvements.

Thank you,
Matthew N
Xoom Customer Service