Say you are in Philadelphia and want to get $500 delivered to someone in Mexico. If you pay cash at a Western Union agent, and the recipient picks it up in cash, it costs $28 for three-day service, and $40 for immediate delivery. The same transaction costs $5 if it is a bank-to-bank transfer, or $25 if a credit or debit card is used to pay money into a bank account. The most cost-effective way to pay is online or via the mobile app , where fees for most of the above variations are only $4 to $7. But even using the mobile app, if you’re paying with a credit or debit card, and the money will be picked up in cash, the fee for that $500 transfer is a steep $45.
In November 2012, MoneyGram International admitted to anti-money laundering and wire fraud violations.  MoneyGram services were used by unrelated parties involved in mass marketing and consumer phishing scams that defrauded thousands of victims in the United States.  As a part of the settlement, MoneyGram created a $100 million victim compensation fund.  MoneyGram also retained a corporate monitor who will report regularly to the United States Department of Justice for a five-year trial period. If MoneyGram fulfills its obligations under the settlement, prosecutors will seek dismissal of the charges of aiding and abetting wire fraud.  MoneyGram also terminated any agents complicit in the 2009 scams and invested more than $84 million in improvements to the company's consumer anti-fraud systems and consumer awareness education.  In February 2015, MoneyGram assisted a Houston reporter in shutting down a fraud scam after discovering a scheme that utilized an account with the company. 
A stranger begins a close relationship with you and offers to manage your finances and assets. Or, signatures on documents do not resemble your own signature. Don't get duped into parting with your money through financial abuse scams. Scammers will try to manipulate you into turning over property and/or money, and this can leave your cash, checking account or even life savings completely wiped out in one transaction. Financial abuse scams can take many forms, including telemarketing fraud, identity theft, predatory lending, and home improvement and estate planning scams. Never trust your money with anyone you don't know.