HERE IS SOME MORE INFO I COLLECTED FROM THE FAQ SECTION OF WESTERNUNION.COM
6. Does Western Union offer an escrow service or any kind of buyer protection?
Western Union does not offer an escrow service or any type of "purchase protection" policy. Western Union's business is to transfer funds from a sender to a receiver. We caution people who use our services against sending money to people they don't know. It is the sender's responsibility to know the party to which the funds are being sent. Using a fictitious name or changing the Receiver name after the money transfer has been sent is not a guaranteed means of securing funds. If a receiver presents proper identification with the same name as on the money transfer, payment will be made.
Be wary of 3rd party "collection" or "holding" services unless they are a reputable, licensed escrow service. Western Union is not an escrow service, should not be used as an escrow service and is currently not affiliated with any escrow services.
1. What can I do to protect myself?
Make sure you know to whom you are sending money. Only transfer money to someone you know personally or whose identity you can verify!
If you are purchasing goods or services and paying through the Western Union network, it is your responsibility to verify the reputation and legitimacy of the seller. Western Union is not responsible for the non-receipt or quality of any goods or services.
Do not send money using a fictitious recipientís name. This will not protect you when purchasing from someone you donít know.
Remember that Western Union does not require a receiver to present a money transfer control number (MTCN) to pick up funds.
Discontinue a call if a caller instructs you on how to respond to questions asked by Western Union.
Discontinue a call if a caller suggests ways of delaying payment of a transaction until goods and services can be received. Remember, Western Union does not offer an escrow service.
In order to safeguard your transaction, never provide the details of a money transfer transaction to anyone other than the intended recipient.
- Who is this person?
- Does this money have to be sent immediately?
- Does this offer sound too good to be true?
Security is everyone's responsibility. Stay informed. Keep abreast of consumer fraud trends. A few excellent sources of information include your local newspaper and websites hosted by the United States' Federal Trade Commission (www.ftc.gov) and the National Association of Attorney's General (www.naag.org).
Remember, if an offer seems too good to be true, it probably is.