Western Union $586M Consumer Fraud Remission (Phase 3)

People who sent a Western Union wire transfer between January 1, 2004 and March 9, 2020 and were the victim of a fraud scheme, and who did not already get full compensation in Phase 1 or 2. You need the 10-digit MTCN for each transfer. Open globally — you need not be a U.S. citizen.

• Sent a Western Union transfer between Jan 1, 2004 and March 9, 2020
• Were fraudulently induced to send it and did not get what was promised
• Did NOT already receive full compensation in Phase 1 or 2
• Have the 10-digit MTCN, sent date, and sent amount for each transfer (receipts/documents uploadable)

This is a U.S. Department of Justice victim-remission program, not a class action. It stems from Western Union's January 19, 2017 deferred prosecution agreement, in which it admitted willfully failing to maintain an effective anti-money-laundering program and aiding and abetting wire fraud, and forfeited $586 million — then the largest forfeiture imposed on a money-services business. Phase 3 extends eligibility to fraud-induced transfers through March 9, 2020 (Phases 1 and 2 stopped at Jan 19, 2017), capturing an additional window of victims. Unlike a typical class action, approved petitioners receive the FULL amount of their fraud transfer, not a pro rata fraction — over 175,000 victims were fully compensated in Phases 1–2.

Who's excluded: Not covered: Western Union fees, incidental losses (phone, gas), transfers through other companies (MoneyGram, Wise, PayPal, Zelle, etc.), cash/gift cards/bank wires outside Western Union, and any transfer after March 9, 2020. Treasury Offset may apply your payment to outstanding federal/state debts.

• Full loss recovery — 100% of the transfer

  You're reimbursed the full principal of each verified fraud-induced Western Union transfer (not a pro rata share). Foreign-currency transfers are converted to USD at historical exchange rates. Covers grandparent, lottery/sweepstakes, romance, employment, online-purchase, and advance-fee scams, among others.

1. 1Go to WesternUnionRemissionPhase3.com (or mail a petition). If you got a pre-populated letter, log in with the Claim ID and PIN.
2. 2For each transfer, enter the 10-digit MTCN, sent date, and amount; upload supporting documents if your MTCN can't be auto-verified.
3. 3Submit online or postmark by August 19, 2026 — filing is free and no attorney is required.

1. Petition deadlineAugust 19, 2026 (online or postmarked)

The DOJ hasn't published a definitive Phase 3 timeline. Based on prior phases, expect petition review over several months after the deadline, with initial distributions likely beginning late 2026 to early 2027 for fully documented petitions.

• Official settlement website & claim form
• Administrator: Verita Global LLC
• Case: United States v. The Western Union Company · No. 1:17-cr-00011-CCC · U.S. District Court, Middle District of Pennsylvania