Money transfer, virtual currency
Winklevoss Exchange: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 33
- Closed with money back
- 0
- 2023 to 2025
- 11 to 16
Winklevoss Exchange received 754 complaints from everyone in the window; 33 carried the servicemember tag. The complaints are mostly about money transfer, virtual currency, or money service, and the single most common issue is "Money was not available when promised". 0 of the 33 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 11 in 2023 to 16 in 2025.
What the complaints are about
By product
| Money transfer, virtual currency, or money service | 24 |
| Credit card | 3 |
| Checking or savings account | 2 |
| Credit card or prepaid card | 2 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
By issue
| Money was not available when promised | 8 |
| Fraud or scam | 6 |
| Other transaction problem | 6 |
| Fees or interest | 2 |
| Improper use of your report | 2 |
| 2023: 11 | 2024: 6 | 2025: 16 |
Which accounts, specifically
| Virtual currency | 32 |
| General-purpose credit card or charge card | 7 |
| Credit reporting | 2 |
| Mobile or digital wallet | 2 |
| Other banking product or service | 2 |
What went wrong, specifically
| Reporting company used your report improperly | 2 |
| Credit card company isn't resolving a dispute about a purchase on your statement | 2 |
| Other problem | 2 |
| Problem accessing account | 2 |
| Problem with fees | 1 |
Busiest month: August 2024, with 4 servicemember complaints. Most were submitted by web.
Most complaints came from FL (5), CA (3), NY (3) , then TX, WA, IL.
How Winklevoss Exchange answered
| Closed with explanation | 33 |
Winklevoss Exchange responded within the CFPB's 15-day window on 97% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Money transfer, virtual currency, or money service; Money was not available when promised. FL, 2024-08-24. Outcome: Closed with explanation. Complaint 9910621
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Money transfer, virtual currency, or money service; Fraud or scam. VA, 2024-08-08. Outcome: Closed with explanation. Complaint 9749118
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Money transfer, virtual currency, or money service; Other transaction problem. NV, 2024-08-04. Outcome: Closed with explanation. Complaint 9696471
If this is your problem at Winklevoss Exchange
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with money transfer, virtual currency peers
- Moneygram Payment Systems Worldwide 32 servicemember complaints; 8 with money back
- Remitly 29 servicemember complaints; 0 with money back
- TransferWise 38 servicemember complaints; 4 with money back
- Google Compare Credit Cards 54 servicemember complaints; 0 with money back
- Western Union Company, The 54 servicemember complaints; 0 with money back
Next in the directory by volume: Guaranteed Rate, Rushmore Loan Management Services.
Frequently asked questions
How many complaints did servicemembers file against Winklevoss Exchange?
33 complaints tagged servicemember were received by the CFPB about Winklevoss Exchange LLC between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 11 in 2023 to 16 in 2025.
What do servicemembers complain about most at Winklevoss Exchange?
Money transfer, virtual currency, or money service accounts for 24 of the 33 complaints, and the most common issue is "Money was not available when promised" (8). Next: "Fraud or scam" (6).
Does Winklevoss Exchange give money back when a servicemember complains?
0 of the 33 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 33 closed with an explanation only. Winklevoss Exchange answered 97% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.