I have been sending money using Xoom.com starting this year. I've been pretty impressed with how fast it works. I've received $55 for the Manny Pacquiao fight when I did my first transfer. I have already sent money to the Philippines for almost 20 times afterwards. I've even referred it a friend. I've received a $25e-gift card from Walmart. My problem occur when my Dad was trying to send using his original Xoom.com account. He wasn't able to to log in because he forgot his password. He then click the forgot password but can't proceed with how to change his password. He then created a new xoom.account using different e-mail. He tried using the new account and send money to the Philippines. He can't proceed with the transfer and been receiving a message " that he can't use the account since another person is associated with the account." Thinking that this stemmed from 2 different accounts, he then called xoom.com customer service. He first inquired about why he can't proceed with the forgot password. He said he was using a MAC laptop. The customer service agent said that there might be problem because it's a MAC since they've received complaints for MAC users. The only resort then is to delete the original account. He requested to have the old account deleted or deactivated so he can use the new account with new bank details to be supplied. But when he was trying to use his new account he's been receiving the same message even after the original account was deactivated. He tried for 5 times. The sixth time a different message occur. It says that that there might be other issues so we can proceed with the transfer. Thinking that the he really can make a transfer. He asked me the following week to send money using my xoom.com account. I did, and was able to send money successfully. After 3 banking days my Dad checked his bank account was debited $754.99. I checked my account and nothing yet was debited. We were shocked. We thought that mine is pending to be debited from my account but he was also debited. We then called xoom.com and for 6 different calls we were able to trace the problem. At first they can't seem to find what transpired but for the 5th call, it appears that for whatever magical reason my xoom.com was used but my Dad's bank account was the one debited. A case of mismatch bank account and xoom.com account. We thought that this was a big problem. Customers need to have security. A transaction can not just be sent if the accounts are not matching. We demand an answer. Setting aside the idea why and how the transaction happened. We just wanted to know why xoom.com system allowed such a transaction. What if others just use another bank and send it to someone. The recipient already received the money and after 3 days the bank account holder is to be deducted. It's too late because another person already took the money. On that premise we wanted to know that their system was safe. But we were shocked upon knowing that it's not included in the user agreement. The user agreement doesn't stipulate that it's prohibited that bank accounts should match xoom.com account. We just want safety for the senders and it seems if there are people there who wants to cash in they can easily do so by using xoom.com and run away with as much as $2, 999. And the poor bank account holder will be debited or atleast an overdraft if there is no sufficient funds. So dissatisfied my initial reaction is to switch to trans-fast.com. I haven't tried it but when I call the customer service they told me that in their user agreement, bank accounts should always match transfast account name. They even wait for 3 days for the first transfer to double check the bank account holder. I may need to use transfast going forward. Nevermind the 3 days wait for the first transfer. Succeeding transfer should be also be in seconds or minutes just like xoom.com. Atleast my bank account is protected and secured. Thanks