Licenses & Complaints
Licensed in 10 States
Atlantic Xchange LLC is registered with FinCEN as a Money Services Business and licensed as a money transmitter in every state listed below. NMLS ID 1544045.
Federal
FinCEN-registered MSB
Money Services Business
State licenses
10 states
FL, GA, IL, MD, MI, NJ, NY, NC, TX and VA
Headquarters
Dearborn, Michigan
5846 Schaefer Rd, Dearborn, MI 48126
State Licenses
State licenses and regulators
Each state regulator below supervises our money transmission in that state. You can contact them directly if you have a complaint we have not resolved. To see every license we hold, including license numbers, look up NMLS ID 1544045 on NMLS Consumer Access ↗.
Florida
Florida Office of Financial Regulation
- Complaints
- 1-850-487-9687flofr.gov ↗
Georgia
Georgia Department of Banking and Finance
- Complaints
- 1-888-986-1633dbf.georgia.gov ↗
Licensed by the Georgia Department of Banking and Finance, NMLS ID 1544045.
Illinois
Illinois Department of Financial and Professional Regulation
- Complaints
- 1-888-473-4858idfpr.illinois.gov ↗
Customers can contact the Illinois Department of Financial and Professional Regulation at 1-888-473-4858 with questions or complaints about Atlantic Xchange LLC's money transmission services.
Maryland
Maryland Office of Financial Regulation
- License No.
- 1544045 (NMLS ID)
- Complaints
- 1-888-784-0136labor.maryland.gov ↗
The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding Atlantic Xchange LLC (NMLS ID 1544045) at 100 S. Charles Street, Tower 1, Suite 5300, Baltimore, Maryland 21201, phone 1-888-784-0136.
Michigan
Michigan Department of Insurance and Financial Services
- Complaints
- 1-877-999-6442michigan.gov ↗
New Jersey
New Jersey Department of Banking and Insurance
- Complaints
- 1-609-292-7272nj.gov ↗
New York
New York State Department of Financial Services
- Complaints
- 1-800-342-3736dfs.ny.gov ↗
Atlantic Xchange LLC is Licensed as a Money Transmitter by the New York State Department of Financial Services.
North Carolina
North Carolina Commissioner of Banks
- Complaints
- 1-919-733-3016nccob.nc.gov ↗
Virginia
Virginia State Corporation Commission, Bureau of Financial Institutions
- Complaints
- 1-804-371-9657scc.virginia.gov ↗
Customers can contact the Virginia State Corporation Commission at 1-804-371-9657 or scc.virginia.gov with complaints about Atlantic Xchange LLC's money transmission services.
Michigan residents may also contact the Michigan Attorney General's Consumer Protection Division at michigan.gov/ag. Texas residents may also contact the Office of Consumer Credit Commissioner at occc.texas.gov. Rights specific to each state are in section 22 of our Terms & Conditions.
Complaints
How to file a complaint
- Step 1
Contact customer service
Most issues are resolved quickly this way.
- Step 2
Send a formal complaint
Write to our Compliance Department. We acknowledge complaints within 5 business days and respond in full within 30 days.
Atlantic Xchange LLC
Attn: Compliance Department
5846 Schaefer Rd, Dearborn, MI 48126compliance@atlanticxchange.com - Step 3
Contact your state regulator
If we have not resolved your complaint, you can contact the regulator in your state of residence.
See regulator contacts ↑
For Texas customers
NOTICE
If you have a complaint, first contact the consumer assistance division of Atlantic Xchange LLC at 1-888-444-3962, if you still have an unresolved complaint regarding the company's money transmission activity, please direct your complaint to the Texas Department of Banking:
- In Person or U.S. Mail
- Texas Department of Banking2601 North Lamar BoulevardSuite 300Austin, TX 78705-4294
- Telephone Number
- 1-877-276-5554 (toll free)
- Fax Number
- (512) 475-1313
- E-mail Address
- consumer.complaints@dob.texas.gov
- Website Address
- www.dob.texas.gov
Your Rights
When you send money with us
A short summary. Our Terms & Conditions and Customer Service Agreement are the full, binding versions.
See the details before you pay
Before you confirm, you get the transfer amount, fees, exchange rate, and the amount your recipient will receive. Your receipt also shows the estimated delivery date.
Cancel before the money is paid out
You can ask us to cancel a transfer any time before it is picked up or deposited. If we cancel it in time, you get the full transfer amount and fees back.
Report a problem within 180 days
If something went wrong — a wrong amount, a duplicate charge, or the money did not arrive — tell us within 180 days of the transaction and we will investigate.
Late because of us? Ask for the fee back
If your money is not delivered by the date on your receipt because of our error, you may be entitled to a refund of the service fee. Contact us within 180 days.