Xoom is giving me the run around about a refund for a transaction that did not make it's destination. When you call there toll free number you get sent to some call center in India with very incompetent people. Each agent gives you a different story without really reading thru the case history. I have sent with Xoom before successfully but have learned from this experience when things go wrong they really go wrong. Xoom is not worth the small discount you get as compared to the headache you will receive to resolve an issue that arises. I wish I paid the extract money and just sent it with my bank branch. Xoom sucks at wire transfers because they rely on partner banks that are not associated to xoom. Buyers be ware!