What is WUVISAAFT?

Edited by Hannah Locklear

When 'WUVISAAFT' shows up in your bank statement transaction history, it may mean some money was transferred using your credit card or debit card through Western Union Money transfer services.

Please note that the card used to transfer funds is not necessarily a Western Union-issued card. If and when you made the transfer, you could have used Western Union Services to transfer the money using a credit or debit card.

In this process, funds were transferred from your account to the recipient's debit card or prepaid card account, depending on the recipient's preference. Your card issuer likely supports Western Union's Visa Account Funding Transaction (AFT) for the transaction to appear on your statement.

Here's how to determine whether it's a legitimate credit card charge or a scam.

What does WUVISAAFT stand for?

The WUVISAAFT acronym can be further broken down into:

• WU: Western Union
• VISA: Visa credit account
• AFT: Account Funding Transaction

As a multinational company, Western Union provides money transfer services for people looking to send funds locally, interstate, or even abroad.

Here are some typical scenarios:

• Paying a bill (utility, restaurant, etc.)
• Repaying family and friends' debts
• International money transfers for family members

If you transferred funds using Western Union's Visa Direct Account Funding Transaction (AFT) service, you might have noticed that the words' WUVISAAFT 800-325-6000' appear on your bank statement as a deduction because of the funds transfer you carried out.

Of course, as with most large institutions, there is no guarantee of speaking to a real person if you attempt to call the number listed. The WUVISAAFT number listed is that of Western Union customer service.

The transaction can include the following variations:

• WUVISAAFT CO
• WUVISAAFT 8003256000
• WUVISAAFT 800-3256000 CO
• WUVISAAFT 800-325-6000 CO
• WUVISAAFT 800-325-6000 COUS
• WUVISAAFT 800 325 6000 CO 80112
• WUVISAAFT 800-325-6000 CO 80112
• PYMT SENT WUVISAAFT 800-325-6000 CO

To understand what all of this means, let's break it down:

• WUVISAAFT: Stands for Western Union, Visa Direct, and Account Funding Transaction (as seen above).
• 800-325-6000: Essentially, this is Western Union's customer service number.
• CO: The abbreviation for Colorado, where Western Union's headquarters is located.
• COUS: Western Union's headquarters are in Colorado and the United States.
• 80112: Zip code of Western Union's headquarters in Colorado.
• PYMT: A simple abbreviation for "payment."

I haven't transferred money with Western Union, so why does "WUVISAAFT" appear on my statement?

You may see WUVISAAFT on your bank statement for one of the following reasons:

• You forgot that you made the money transfer (one-off or recurring).
• There may have been a mistake on the part of your card issuer.
• Your card has been compromised.

How to detect fraudulent activity on your credit card

Identify whether the transaction credited or debited your account. If you've received a small deposit into your account, it's usually a scam. You may also notice suspicious activity when a significant deduction has been made from your credit card. Even more alarming is that, unknown to you, someone may have opened a credit card in your name and made legitimate payments.

But before filing a dispute with your card issuer, or contacting Western Union directly, make sure you compile as much information as possible. The WUVISAAFT label results from Western Union money transfer services on your card, whether you or someone else did the transaction.

Is Western Union Visa AFT compatible with credit or debit cards?

If you use an AFT (Account Funding Transaction) through the Visa Direct network, your debit or credit card can be used to withdraw the funds.

In addition to facilitating person-to-person transactions like paying bills and sending payments, this system allows businesses and governments to issue reimbursements and refunds. Depending on the money transfer service provider, the recipient must be identified through a phone number, an email address, or card account information, according to the process of transferring money.

Western Union, for example, can deposit funds directly into eligible accounts using the card credentials of its customers. You will see a transaction that resembles a credit or debit card purchase on your bank statement when you send money through Western Union. You can set up a one-time transfer or recurring payment using your card issuer's online banking facility.

Will the WUVISAAFT charge appear on my credit or debit card statement?

A WUVISAAFT transaction is the result of a debit or credit card transfer. Because debit cards contain funds already, they are typically used to transfer money. You can still use credit cards to make transfers, but it is not recommended because the transfer will be treated as a cash advance, resulting in fees and high-interest rates.

Credit card fees may seem insignificant in the short term but can add up over time. Knowing the fees discussed above is one of the best ways to avoid paying such outlandish fees. To protect your financial future and credit profile, pay bills on time, keep enough money in your bank account, and take care to pay off as much revolving debt as possible.

In summary

Review your monthly statement for a detailed review of your transaction history. If you find fraudulent activity in your billing statement, federal law states that you have 60 days to report it.

Make sure you read your credit card statement monthly to catch any mistakes immediately. You should always investigate unfamiliar charges to make sure you made or authorized the purchase.

As soon as you believe that the charge on your card is fraudulent, you should contact your card provider to begin the process of disputing the charge. Also, contact the merchant to resolve the issue if it's a billing error. You can also report any fraudulent activity to the Federal Trade Commission (FTC).

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

• Alabama
• Alaska
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maine
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Mississippi
• Missouri
• Montana
• Nebraska
• Nevada
• New Hampshire
• New Jersey
• New Mexico
• New York
• North Carolina
• North Dakota
• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• Rhode Island
• South Carolina
• South Dakota
• Tennessee
• Texas
• Utah
• Vermont
• Virginia
• Washington
• West Virginia
• Wisconsin
• Wyoming

Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.

• Absolute Resolutions Investments LLC
• Accredited Collection Services
• Alliance One
• Amcol Clmbia
• American Recovery Service
• Asset Acceptance LLC
• Asset Recovery Solutions
• Associated Credit Services
• Autovest LLC
• Cach LLC
• Cavalry SPV I LLC
• Cerastes LLC
• Colinfobur
• Covington Credit
• Crown Asset Management
• CTC Debt Collector
• Cypress Financial Recoveries
• Delanor Kemper & Associates
• Eagle Loan of Ohio
• Educap
• Estate Information Services
• FIA Card Services
• Forster & Garbus
• Freshview Solutions
• Fulton Friedman & Gullace LLP
• Harvest Credit Management
• Howard Lee Schiff
• Hudson & Keyse LLC
• Integras Capital Recovery LLC
• Javitch Block
• Jefferson Capital Systems LLC
• LVNV Funding
• Mannbracken
• Mariner Finance
• Medicredit
• Michael J Adams PC
• Michael J Scott
• Midland Funding LLC
• Mullooly, Jeffrey, Rooney & Flynn
• Mountain Land Collections
• MRS Associates
• National Collegiate Trust
• Nationstar Foreclosure
• Northstar Capital Acquisition
• NCEP LLC
• NRC Collection Agency
• OneMain Financial
• Palisades Collection LLC
• Pallida LLC
• Paragon Revenue Group
• Pinnacle Collections Agency
• PMAB LLC
• Portfolio Recovery Associates
• Provest Law
• PYOD LLC
• Reunion Student Loan Finance Corporation
• Revenue Group
• Regents and Associates
• RSIEH
• Salander Enterprises LLC
• Second Round Sub LLC
• Security Credit Services
• Sherman Financial Group
• Suttell and Hammer
• T-Mobile
• Transworld Systems
• Tulsa Teachers Credit Union
• UCB Collection
• Velo Law Office
• Velocity Investments
• Waypoint Resource Group
• Weinberg and Associates
• Wolpoff & Abramson

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

• Bank of America
• Capital One
• Chase
• Credit One Bank
• PayPal Synchrony Card
• SYNCB/PPEXTR
• Synchrony Bank
• Target National Bank
• Wells Fargo

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouses Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

Youre Drowning in Debt — Heres How to Swim

Help! Im Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Heres What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court