Remitly: Send Money & Transfer Reviews

Their app and website is simple and direct, except for changing the country the Recipient do you want to send the money to. It took quite a bit of searching around to find out that I had to go to settings in order to change the country first and then I could find the recipient that I had previously sent money to. If you look under history, only the recipients in the country the country that’s presently selected will show up. So that way you cannot switch back-and-forth between different recipients. Without going to the settings and changing the country. Took a while for me to figure this out and the software in this case needs to be corrected to make that simpler. Other than that it draws money directly out of my bank account and only charges a very low fee if I do that method. There is an option of sending money by credit card or debit card, but you’d have to check with your bank about the charges involved with sending money to a foreign denomination. I just go with the less expensive simple withdrawal from my bank account.

They called and asked me for more information to verify my account and promised to give me a call back if they need more info. And then suspended my account without giving me the call as they promised. Very unprofessional. I called the main line and there is nothing they can do to reactive my suspended account even tho I am willing to provide them more information but it’s always “we can’t do anything”. They do not really know what’s the exact issue but its because of suspicious activity. Can they be more professional? If it is because of suspicious activity, they should have call me as what they promised and tell me about it, so I can answer to all of the questions they have. But they did not call me and just decided to suspend the account and cancel the transaction. What if my transaction is critical and someone’s life is on the line because of it? What if my transaction is for something in the hospital and they really do need that amount? this app just decided to suspend and cancel the transaction without getting anything? What is the point of having customer service when they can’t help you with anything? Instead of helping or fixing the issue, they just told me that I cannot use this app anymore. And that, my friend, that’s how you lose clients. This is my first time using Remitly too. This is such a let down. Going to delete Remitly and tell me friends to do so as well. Unbelievable customer service.

I’ve been using this app for about 10 years. I have no problem with them from the start but with what happen recently I have concluded that this is not the right remitance you should trust. I try to send money for my family in the Philippines then suddenly they delayed my transaction for some unusual reasons. They want me to send a copy of my bank statement to push throught with the process. After sending the requirements, they told me I need more information about the money that comes in and out of my bank. In my own perspective, its none of their business if I have money that get deposited from different account due to personal reasons. I felt disrespected by this company as they didn’t even bother to consider my reasons that someone back home needed the money for emergency. I was stress for 4days because if this matter. They promised to give me updates and help to resolve this matter but theh end up suspending mu this app account due to this. Which is why I told ny friends and family never trust this remitance ever again. They can make people’s life more miserable and could make a big impact to us. This remitance has no consideration !!!! and no respect to the customers especially the Loyal ones like me. I will never ever consider this if I were you Please dont be a victim of this shaddy company.!!!! Who knows what they do with those bank statements they ask from their customers!!!!

I have been waiting 6 days for my 4th transaction to complete. I’m watching the updates all the time, and it just say that it is processing since May 14, I tried to get more information about my process and nobody could give me a concrete time estimate for when my transaction would be completed. In orden to get my money back as soon as possible, I cancelled my transaction, and today I received a mail where they told me that I have to wait 7 business days more. They claimed that this waiting time was due to the recipient bank. Nevertheless, the recipient bank in colombia had not idea about this and had never took part in the transaction. It is insane how Remitly is playing with my money. Moreover, I couldn’t pay my insurance in Colombia last Monday, and now I have to pay a additional fee as a result of the incompetence and terrible service received from WorldRemit. It is sad that I’ve encountered this situation, I was very satisfied with their service so far and I send money back and forth quite often. Bitterly I’ll have to stop using their services, and would never recommend them to anyone.

I wanted to increase my sending limit to tier 3. They requested my Govt issued ID, SSN and Bank Statement which I sent over to them, I sent over a screen shot of the first page of my bank statement the information on this page includes, Acc name, Acc Number, my PERSONAL ACCESS NUMBER, Balance and a few transactions. They went ahead to reject it citing I needed to send a PDF copy of my bank statement. Why does your company need a PDF format of my full statement of account? I don’t know what you are using this sensitive documents for or what database you store them that might or might not be vulnerable to hackers. You guys have a lot of questions to answer. I am penning a letter to FTC. I called their customer service to fully understand why they needed a .PDF copy and not a .JPEG or .GIF or .DOCX none could explain why they needed it. They said it’s to protect their integrity, what about my privacy? Somethings is wrong.

Remitly lures you in with a smaller fee and better exchange rate, BUT when an issue occurs they show their true colors. They won’t help in anyway! Won’t even contact you to inform you your money was not paid out. So beware if you send money through Remitly to loved ones YOU will need to keep up with Remitly because all they will do is TRY REALLY HARD to steal your money. Because if it weren’t for my receiver calling me to tell me they didn’t pay her the money this app it’s self wouldn’t have said a word to me! I have been “helped” ( NOT AT ALL) by their customer support team (FYI JUST A CHAT ROOM WHERE THE EMPLOYEES HAVE LIMITED ENGLISH WHICH WOULDN'T HAVE BEEN A PROBLEM IF THEY AT LEAST RESOLVED THE ISSUE!) for 3 WEEKS already trying to get my money back but this app KEEPS PUTTING BLAME ON THE OTHER BANK ( still don’t know what “OTHER BANK”) and asking for my bank statements with all my information on them which I don’t understand why this app needs to see all my transactions they should just need to see the posted withdrawal of my money from them! SO IF YOU WANT TO USE Remitly BE HOPEFUL THERES NO ISSUES WITH YOUR TRANSACTIONS BECAUSE IF THERE IS YOU WILL HAVE TO FIND OUT ON YOUR OWN AND KEEP TRACK OF this app BECAUAE THEY WILL NOT MOVE A FINGER FOR YOU THEY WILL JUST SAY “ ITS AN INVESTIGATION THE OTHER BANK NEEDS TO DO WE (this app) CAN NOT DO ANY THING WE CAN ONLY SEE YOUR TRANSACTION NOT FIX IT” NO HELP AT ALL!!! NO RESOLVE OF PROBLEMS !!

I opened an account using my Fidelity checking account as form of payment, then after a test transfer I applied for an upgrade to Level 2 or 3 because Level 1 is restricted to very low dollar amounts. After dealing with four different csvce reps I am frustrated: they claim that Fidelity is not a retail bank and that they can’t accept it. They seem not to understand that the very purpose of this app is to bypass or replace retail banks. Customer service is really poor and their agents lack training to even recognize an statement of account ( I provided 3 different statements and was told that they “were not statements..”) I did a couple if trial remittances and they went well and were credited in one day. When I tried a 3rd remittance to the same account for a larger amount it did not work : they just hold onti your money for weeks without credit to beneficiary nor refund. After a week waiting for credit a customer service rep told me that they needed copy if my id and proof of funds both of which this app had from the time I opened my account.

Very sketchy people. You can also see in their response that they do not allude to my issues and just talk about privacy (???). Stay away fron these people if you value your time and your money. Use a different app or just use Apple pay or Paypal

I have been using Remitly since more than a couple of years now. I hardly had to interact with their service representatives since Remitly has a very good user experience. It just i got used to the waiting for refunds when the transaction is cancelled for any reason. Not everyone has that parience to wait 3-4 days to get the funds back.
The Economy transfer time (which is actually below the current market exchange rate) takes minimum 5 days to complete. And if started on Monday, it reaches the other end on Friday. Otherwise it will be received next week, if started the transaction after Monday of any week. It’s ridiculous to take so much time. The funds gets deducted from the account within a day and another 4 days you just wait to get it delivered. I really hope they deliver the money to the recipient within 2 days, but in reality it’s not the case.
On the other hand, for the same delivery account, if used the express option, the funds get delivered within 10-15 mins. Which is a pretty good option if you are in hurry and ready to lose some more $$ on exchange price.

I have been using the service for almost 3 years now and always send money to Ghana for a project I was embarking on back home, just last week I sent an amount of $2,300 the money was deducted from my account successfully. Then called them to increase my daily limit bcs I need to quickly send more money, the agent I spoke with was very rude and disrespectful but I kept my cool but after I got off the phone and tried to log in to my account I saw it was not responding then I called but just to hear my account has been blocked bcs they suspect fraud. Then I said how could that be you have all my details on the account why don't you reach out to me or do your investigations first before closing the account? And also after a while, I received an email saying my transaction has been canceled.... Well since you guys have no respect for your customers and have decided not to return my funds back into my account my lawyers will respond to you guys shortly and also you will hear from BBB ( Better Business Bureau ) it's about time you guys respect the people who uses your platform....... The name of the agent who did that is called Archie an
Account Specialist..... Refund my money

Please, please, PLEASE. Do not use this app. I had use Remitly some time ago and had activated my account. Everything was fine and I was able to do transactions without a problem. I tried to do a transaction like a week ago and was told my account was locked and had to contact customer service which I did but they could not do anything for me. They suspended my account without a reason and when asked about it, the person on the phone kept on telling me she could not do anything about it and my account would be permanently suspended. When asked why, she could not tell me anything because “of your protection.” ??? What does that even mean? How can you not tell me the reason for suspending my account and on top of that tell me its because of MY PROTECTION. This was a very unprofessional way of handling the situation on their part. The customer service agent kept on telling me that if I wanted to get an answer as to why my account was suspended, I needed to read the user agreement which did not answer any of my questions. WHAT A HORRIBLE APP AND CUSTOMER SERVICE. I have been reading some of the reviews, and this is a reoccurring issue that needs to be addressed! PLEASE THINK TWICE BEFORE USING Remitly.

Please don't use this app if you want a smooth transaction. They claim that the money will be available on a particular day but it's not the case. Also on cancellation, it takes 10 business days for your money to be back to your bank account. They have mentioned on the website that if you cancel a transaction within 24 hours, no money will be deducted from your account. However when I did so because I was getting a far more better rate on Xoom, they deducted my money from the bank 3 days after I had already canceled the transaction (within 24hours). When I contacted the customer care, they were rude and non-cooperative and brushed away my concerns. The amount I was sending was not small but in thousands and it mattered to me that my funds reached on time. Now I'm left with no option but to wait for another 10 business days to transfer my money.

I was so disappointed that I immediately uninstalled Remitly and decided never to use this app again.

Advice to this app: The customer service is the worst. Please help your loyal customers or else all the other money transfer services that give better rates and smoother transfers will soon take over.

My entire family has always used Western Union to send money to Mexico. Naturally, when I started to need to transfer money from my US to my Mexican bank accounts, I used Western Union. I thought a “quick” transfer was 24 hours. I had a horrible experience transferring a large sum of money with them around the same time that I saw an ad for this app and thought I’d give it a try. And I am never going back! The this app app is such a streamlined and more modern experience, and my money arrives in MINUTES, every time! I’ve never waited over an hour to receive the funds, and the fastest time was 20 minutes. It’s nice not to feel like your money is floating lost in some wires somewhere out there in the world. I’ll be making sure my entire family switches over, it’s a much better experience from start to finish.

this app is a safe way for scammers now a days to get your money and never hear from them again. Happened to me as well. I got scammed for almost $400 that I worked very very hard for. I should’ve read these reviews before I decided to use Remitly. Customer service is THE WORST you can find out here. They hang up on you if you have any issues and they say they will call you back and never do.
They have canceled my this app account in order to keep me from getting into the account. Which makes no sense. Remitly supports fraud that is being committed over seas.
Once your money goes through couple of clicks your money will be gone forever. this app and people that work for this app refuse to help you with any help that you need. Even though the company policy says that if there’s any issue with transfer., they can give you a refund within 180 days. DO NOT BELIEVE THIS. Once your money gets through this app, it is gone. I have been trying to get in touch with customer service for the past month now regarding the refund that I requested literally a day after it was done and they won’t help. BE AWARE.

I got Remitly to send money to family in need in Brazil. I’ve had the worst experience with them so far! I sent MY MONEY to Brazil a week ago and it’s still “in review” by the partner bank which is bull cuz I payed the fee to have it available right away! I’ve sent them all the information they requested and keep calling them to see why my transfer is at a stand still and it takes over an hour before someone answers and most of the time they close the phone on me before it gets resolved! I have to go through the whole process all over again! It’s still not resolved and it’s been a WEEK! I’ve been calling everyday and it’s the same everyday! I don’t have the time to sit here babysitting them just so MY money could be released to MY family member! Money is going towards my elderly grandmas care who is very sick and Remitly is making it that much harder to those who are taking care of her without the needed funds. This is my first and last time using Remitly! Ridiculous!!! I’m going back to using trusted old WesternUnion

Did a transaction and would like to cancel. But couldn’t find the cancel option so connected to the customer service executive, they couldn’t help to cancel that transaction and started saying false information to get this transaction completed. I never prefer to be using this app back again for my future transaction anymore and will never suggest to any of my friends. Hope the this app people can give a well organized, well designed training to there executives of how to help the valuable customers who work hard to pay off there bills by taking the chance of high exchange rates but that’s not helping with this app customer service staff. So I hope this app can train some educated staff who can understand the customer needs/questions and solve by providing 100% satisfaction. Good bye this app.

I used the services of Remitly for several years. Then I started to send transactions more often due to medical expenses of my relatives. So this people started to ask me for personal information like ID , social security number at first I agree and provide some documentation but then they asked me for my bank statement?? Like seriously who they think they are??? I refused to share my personal information, and they wouldn’t let me send money. So I took my business to a different company. There are better companies out there than this company I recommend MoneyGram, BarryMoney, WorldRemit, Elektra just to name a few. STAY AWAY FROM THIS COMPANY SINCE THEY ONLY CARE ABOUT MAKING MONEY AND NOT TO CUSTOMERS.

To Developer. I understand perfectly about regulations. That’s why proper identifications are provided but to ask more private information it’s not right. YOU got no right to ask for more confidential information that not even government agencies ask for. And for that more customers will stop using this service.

I started to use Remitly because a friends recommended me to it after i decided to give it a try i send 50 dollar to a friend a have and he don't have money for food for his family and for some reason they put s hold on my money well after that i called the company customer services they told me to provide a photo of my id i did it my account was supposed to be verified but it did not i call again and they told me i have to talk with customer protection and guess what she just told me that i can’t use this service and that i should have uninstall Remitly and never use the service again she locked my account after that told me that she canceled the transaction just because she can do it all of that happened after she saw on my id that I’m black and latin i gotta told people i felt denigrated and treated like trash for that person that was supposed to help me out if somebody on the management is reading this told then i manage myself with some other people like xoom and i will never use Remitly again in my life neverrrrr

I’ve been searching for an app or service which can transfer money overseas without charge me too much, take a long time to get the and secure. I am very sceptical when it comes to money, so I need to be sure that my information is safe and my money have sent out securely. I found Remitly on google and it turns out very amazing! When I used it the first, a customers service called to verify my information and ID is correct. Since then, I’ve been using Remitly without feeling scared or worried that my money will be stolen. They have express service which your fund will be delivered only in a few minutes! The service fee isn’t too bad only 4$. Plus, Remitly is very user friendly. I hope Remitly continuing their best performance and stay superb! Thanks for helping me solve my overseas money problems! 😆

Using REMITY, other than the cellphone GPS is the best thing that technology has given this 74 year old, who to this day chooses pencil and paper to his computer. Very hard to break old habits, and I think technology, in general, will ruin this Country. That being said, there is nothing in this world EASIER and COMPLETELY RELIABLE than transferring money form my Bank in New Jersey to where I now live, Medellin Colombia. I know there are dozens and dozens of services, but when you are told your money will be wire transferred, and be to you on Wednesday @ 1:34pm, and is available about two hours earlier, you have to tip your hat and say thanks. If everything in life was this easy, my last years would be a lot more enjoyable. A SIX STAR SERVICE, with constant updates.

So I was sending money and I pay a fee for a rush service they promised a quick service for 3 usd$, then they violated the agreements for such service and call they’ve even care to call you when they are having issues giving you different time or even days for a new day to the money to arrive to final destination, I call them requesting my 3$ because is was the right thing to do so because they say something and they then violated they own rules and agreements this is very stupid. And of course Remitly is a good candidate to be reported in the consumer protection office. Sadly Remitly relays on 3 person partnership meaning that the company itself has nothing to do with money involving so for instance is the partner say not to a transaction you’re done. Also when sending money since app relays in that partnership as well the service will be affected by those partner.

Recommendations I suggest keep using other services like xoom or western union which they are more easily and friendly (personal experience)

I sent my remittance Nov 9. According to the receipt, fund would be available Nov 16 which is fine with me coz the schedule of my mortgage payment for my house is every 18 of the month.
I was relaxed hoping that the money would be in my account in the Philippines since I saw a record of transfer from my US bank account. On the 16th of afternoon I informed my uncle in the Philippines that he could pay my mortgage since the money is at my Phil account already but my uncle checked and said no record of fund yet so I checked and he was right. No one ever bothered to call me or email me to inform me so that I could have done something. I emailed customer service once, no response. I emailed again but still no response. The next day Emailed again but still no response. I called and I was told that because my account was Chinabank and they are only partnered with BDO. What? I have been sending my remittance to my chinabank account. The CSR told me that by Monday morning the fund would be in my account. My uncle contacted me again and said still none. Today is Monday and 18th of Nov. Meaning I was not able to pay my mortgage on time because of this app’s negligence. If you only informed me ahead of time then this problem would not occur. I entrusted you my hard earned money. I have been your customer for 5 years. I also work in the customer service industry and I am trained to never neglect our clients.

I haven’t used apps ever to send a lot of money before as I am skeptical and have a habit of not trusting things so easily but my friend recommended this to me and here as some of my good experiences. (Note: Again these are my experiences and may differ from others experiences)

1. App was simple to use.
2. Customer service was really good and answered all of my questions and cleared all of my doubts.
3. Took less than 45mins for the transfer which was still respectable in my eyes.
4. The security and verification i felt were important and necessary to protect my identity and prevent any fraudulent transactions from happening, so people have made a big issue out of it in the review section, i don’t exactly know what happened with them but these 1* reviews actually were hampering my judgement of trusting Remitly but the security and verification i felt was purely justified.

There still might be a time where I might not be happy or satisfied with Remitly but thats not today and I hope Remitly provides users the same security while sending money to others whether small or big and keeping it simple as well.

Well done this app.

After sending money for years via Western Union or Money Graham I was utterly frustrated with the fact that there are apps kept stopped working after a while and I’d have to delete and re-download them. And then one day Western Union in for me that I have been flagged they canceled my money transfer my fiancé needed the money to pay some bills and She had her cable shut off because of Western Union canceling my transfer and flagging me. I repeatedly contacted Western Union asking for an explanation on why they did that and all they could say is that I may have violated some law in some country they do business in and therefore I said bye-bye Western Union and Money Graham and now I switch to Remilty and I couldn’t be happier!!!

It’s the first time I tested the water using this service for money transfer to my friend in Vietnam. An agent with Filipino accent called me back and asked a ton of very-personal-questions such as “Where do you live? How long did you live there? Who is the receiver? How did you know each other? How long you did you know each other? What is the relationship between both of you? Where did you meet? What is the lucky money?” bla bla.... It was so annoying and impolite. I also told her that they are so personal questions. She kept asking and said she would process my transaction. After she hung up a few minutes, I received an email stated my transaction was canceled. How ashamed customer service is! I felt like being interviewed by USCIS. Just $500 sending as a lucky money for a friend for Lunar New Year. There is no problem with XOOM at all. Terrible service! Be mindful and careful if you want to try this service.

I was a very happy user until they started the double security step. I needed to send money right away, Remitly doesn’t tell you anything about uploading additional documents such as driver license and proof or residence before you send money. Once you ‘sent the money’ I got a message saying my founds were on hold until I uploaded additional information. I’ve been sending money before and now that I needed it urgently they just suddenly asked for that. Ok, so I sent the documents on a Friday at 1 pm, I got an email saying my money was going to be processed until Monday morning since they have to review my documents. What??? You should’ve let the costumers know the extra security steps before sending money. I canceled my transfer and I won’t ever use this service.
You guys don’t understand we need to send money as soon as possible and you can’t just simply hold your money without prior notice. Terrible!

I found Remitly just in the Knick of time. I have tried money gram, WesternUnion, and other transfer sites to no avail!!! They all block my transactions, and send no notifications, for “security reasons”. I have dealings in Nigeria, which I admit, has a sketchy reputation, but there ARE normal people there too. I like how this site takes no responsibility if your dumb enough to send all of your money to a prince. That’s how every transfer company should be. Then they would be able to send money in SECONDS... Just like these lovely people who made this genius app. If I hadn’t found this, my day and possibly near future may have been greatly altered!!! LITERALLY... thank you!!!!!!!!! Remitly is gold

Worked great the first time around. Well except for the fact that we had issues going through Palawan pawnshop. Talked to support on the phone and within in a few hours had the transaction available at a nearby banking partner or whatever it was. Either way it works nice the first time has a promo so express will be free the first time around which was nice. Customer support worked well and they were quick, it went smooth.
Overall would recommend to anyone needing to do a quick transfer to help out a friend/family member or spouse.

Bad service and also bad customer service. I’m in Mexico and I tried to send money to my brother in law so he can give it to me and he wasn’t able to get it out. The called me to let me know the money was in hold because they need to verified some information about my account. The half me on hold for 15 min. They the told me that they needed to verified my bank account that it was mine that I had to send a bank statement to them. First time using Remitly and it was a fail. It’s has 5 stars but it’s not what they say it is. I told the the lady that was helping me out if there anything they can do since there a 5 star rating and she only keep saying that she needed my bank statement and to top it of they blocked my account I can’t go in Remitly . What time off app does this so the won’t get a bad review I’m telling you this is not what they say it is. I honest don’t recommend Remitly if you need to seen money ASAP.

I would give this 0 stars!!!!!!!

I was recommended Remitly by my mom. She watched the advertisement in the morning. I saw the exchange rates which were great; I filled out all the information processed my transfer. 2 days later I get an email to verify information. I call during my lunch, they bombard me with person question....why are you sending money? Who is the person your sending? Why sooo much money? Also I needed to submit a copy of my bank statement to prove my account was joint since I did say it was a joint account.

It took a me a couple days to get the statement. I finally submitted it online and was told in an hour I would see a response. At the end of my work day no update was given. I called customer care and was bombarded by more questions. She dared to ask me if I was put up to send money. She kept asking me to state my name and if i was lying. Do I have to explain why I can speak English? Then I get an email that my transaction was canceled. I was soooo upset, this was a family emergency! I was patient to let’s all these days pass to get canceled for suspicious activity. I called to find out why and they read me the agreement and I hung up.

I went to Xoom and my money was sent in less than 24 hours with no questions asked. What a waste of time. Do not use Remitly!

About 6-7 months ago this app was the best service but in recent times its been the worst! They always put you in review and then you have to keep calling them back with no luck. Recently I was asked to provide the recipient’s ID card but then rejected the ID because it was not in English...how do you expect other country’s ID cards to in English if English isn’t used there?? Either hire people who can verify foreign language documents or don’t ask for those documents. We can’t have the government make this app specific ID cards. Had to ask them to return the payment so I can send some other way. Another payment of mine took 2 weeks to get cleared. Basically they always find a way to delay your payment. Some of my friends have had similar experiences but I gave it another chance because some months ago it was really the best service out there!

this app is the worst transfer app, I have ever seen. I went to Remitly Store to look for an app and I saw this app i downloaded it, the first time I tried sending money was very bad too I was told to do a verification about why m sending the money, where do I get my money from, how’s the receiver related to me at first I thought this is normal but after I tried sending money to him again The same thing was asked I was even asked to provide a govt Id just to send money, I had to be transferred from one person to another for verification and one of the customer service even told me if I don’t send my govt Id, my money won’t be send to the receiver or will I get my money back to my account and I felt threatened, as a 18 year old guy who is saving money back at home from my pay checks I should be concern about that I don’t know if it’s the company’s policy but I feel this is wrong

Im trying to help creat my grandma an account due to she got kids in the Philippines that she supported, she lives in a nursing home and she got no transportation, to go to a remittances center now due the question that I answered honestly they deactivated the account,they ask me who created the account I answered honestly that i did due to how can an 83 years old created an account by herself I assisted my grandma and it is under her email I provide her name , her phone number and her nursing home address, but because of understanding that the agent mistakenly understands that i do have all access to the account they still did deactivate the account , basically just waste my grandma’s min’s on her phone , her time and also she expects that she could have easy access from month2 without going anywhere., never recommend feel bad for my grandma but there is nothing that i can do.

So today was my first time ever using this service. I signed up input everything necessary...a few hours later I get an email that the TRANSACTION was canceled (a little over $200)and to call with questions. I called with questions and was asked 1000 questions until I stopped him and asked WHAT IS THE PROBLEM? I was given several inaccurate answers..."fraud dept closed your account"..."you've been exhibiting fraudulent activity" (on my first transaction)🤔 "the other representative you spoke with believes..." (haven't spoke to anyone) "let me see if we can reinstate the account" "you may have violated our terms of agreement" Ok, before you try to reinstate me, I need to know what im accused of because I will do the same exact thing on my second attempt that I did on my first, so tell me EXACTLY where I went wrong. "Im not allowed to tell you EXACTLY what you did for security purposes"...BOY BYE!