I transferred money through Xoom to a friend in Peru on 12/16. Xoom reports that the money had been delivered. My friend says it it not delivered to his account. I tried contacting Xoom and keep getting back form letters, I can't get to a real person. Then I started investigating and many people have the same complaints. Particularly with South America, the money just disappears. I need to speak to a real person, locate the money or refund me ASAP.