XE is holding a $1k transfer because they say I owe money! Already paid them in full for this transfer. Backstory is: in May 2021, I made a transfer and they charged me TWICE for it. Okay, mistakes happen (but you hope not with a financial institution). Problem is they never contacted me about it! I discovered and then began "chasing" them for 4 months to refund the overcharged amount. They dodged me for four months until I told them I had involved my bank to dispute, then they finally refunded. Apparently around the same time, the bank charged it back. So two weeks ago, (silly me) I made another transfer with them. They took the amount, signed a contract to transfer, and are refusing to send it to the recipient because they say I owe them money. First time they've said a word about it. I've been on the phone for 3 days... no resolution. Filing complaints with regulatory agencies... DON'T DO IT. There are others out there offering the service.