https://www.ftc.gov/enforcement/refunds/western-union-refund...
“What is this case about? For years, many people who lost money to scams sent their payment through a Western Union wire transfer. Scammers contacted people and promised prizes, loans, jobs, discounted products or other financial rewards in exchange for money upfront. They also pretended to be family members in need of cash, or law enforcement officers demanding payment. The scammers told people to send money through Western Union. No one received the cash, prizes or services they were promised.
Because of joint investigations by the FTC, the Justice Department, and the U. S. Postal Inspection Service, Western Union agreed to pay $586 million and admitted to aiding and abetting wire fraud. The Justice Department is now using that money to provide refunds to people who were tricked into using Western Union to pay scammers.”
https://www.ftc.gov/news-events/news/press-releases/2017/01/...
“In its agreement with the Justice Department, Western Union admits to criminal violations including willfully failing to maintain an effective anti-money laundering program and aiding and abetting wire fraud.”