XM  Arvostelua 

Subject: Request for Beneficiary Statement / Proof of Credit – Account 317210352
Dear XM Support Team,
I visited my bank regarding both UPI transactions.
The bank informed me that they cannot provide any further information or take any action unless they receive proof from the beneficiary's bank. They advised me to obtain the beneficiary account statement or a confirmation showing whether the funds were credited or not.
Therefore, I kindly request you to provide the beneficiary account statement or official confirmation from the receiving bank for both transactions so that I can submit it to my bank.
Transaction 1
Amount: ₹29,999.37
Date: 19 March 2026
UTR: 503654066015
Transaction 2
Amount: ₹29,999.77
Date: 19 March 2026
UTR: 819491039843
Please provide the required documents or confirmation as soon as possible so that this issue can be resolved.
Thank you.
Best regards,
Rajmal Choudhary

Spreed Altíssimo em XRP, BTC e swap t CARO. IMPOSSÍVEL DE VOCÊ GANHAR DINHEIRO COM ESSA CORRETORA. MEU STATUS QUE ERA ELITE ELES TIRARAM DEPOIS QUE ATUALIZARAM OU VENDERAM A CORRETORA. NÃO HÁ MAIS BÔNUS DE INCENTIVO DE 100% A ANOS. A EXNEES É BEM MELHOR, NÃO TEM QUASE NADA DE SPREED E NÃO COBRA SWAP NO BTC E EM ATIVOS DE ALTA DEMANDA.

Dear Senior Management and Compliance Department,

I am writing to formally challenge what I consider to be an arbitrary, inconsistent, and unsupported decision to confiscate USD 4,574.89 from my trading account No. 420153187.

Over the course of this matter, I have received multiple explanations from the Company, each presenting a different basis for the action taken against me.

In one communication, I was informed that there were “direct connections” between my profile and another blocked client’s account and that “corresponding trading activities” constituted the breach. In another communication, I was informed that my “trading information was the same” as another client’s.

These are materially different allegations. A direct connection between accounts, corresponding trading activities, and similarities in trading information are not interchangeable concepts. If the facts supporting your decision are as clear and conclusive as repeatedly claimed, then there should be no difficulty in presenting a single, coherent, and consistent explanation rather than a series of shifting descriptions.

More concerning is the Company’s continued reliance on broad assertions while refusing to provide any evidence whatsoever to support accusations that have resulted in the confiscation of legitimately earned profits.

It is unacceptable that serious allegations are being made against me while I am simultaneously denied the opportunity to understand the factual basis upon which those allegations rest. Fundamental fairness dictates that a party accused of misconduct should be informed of the conduct allegedly committed and the basis upon which such conclusions were reached. An accusation unsupported by evidence remains an accusation, not a proven fact.

The repeated invocation of “internal findings” and “security systems” does not transform assertions into evidence. Security procedures may justify withholding proprietary methodologies, but they do not justify depriving an affected client of the ability to know the facts relied upon in reaching a decision with substantial financial consequences.

I categorically reject the notion that I should simply accept the confiscation of USD 4,574.89 based solely on your demand that I trust conclusions which I am not permitted to examine, challenge, or even properly understand.

Furthermore, I find it deeply troubling that the Company publicly presents itself as “BIG. FAIR. HUMAN.” while simultaneously taking irreversible financial action against a client without providing a single piece of verifiable evidence or maintaining consistency in its own explanations.

If your conclusions are indeed supported by objective facts, then there should be no legitimate reason why those facts cannot be disclosed to the individual against whom the allegations have been made. If evidence exists, I formally demand that it be produced. If such evidence cannot be produced, then serious questions inevitably arise regarding the validity and reliability of the conclusions reached.

Accordingly, I hereby make a final request for the following:

1. Identification of the exact clause allegedly violated.
2. A clear and definitive statement of the conduct that allegedly constituted the violation.
3. Disclosure of the evidence relied upon in reaching the conclusion that my account was connected to another client account.
4. Clarification as to why materially different explanations have been provided in separate communications regarding the same matter.
5. Immediate reconsideration of the adjustment of USD 4,574.89 should the allegations prove incapable of being substantiated.

I wish to make it absolutely clear that I am not challenging the existence of your Terms and Conditions. I am challenging the unsupported application of those Terms to my account and the refusal to provide the accused party with the factual basis necessary to meaningfully assess or contest the allegations being made.

A decision of this magnitude cannot reasonably be expected to rest upon secrecy, inconsistencies, and unverified assertions alone.

I therefore request that this matter be escalated once again for review by the highest level of management and that a comprehensive response addressing each of the above points be provided.

I trust that the Company appreciates the seriousness of making allegations against a client and understands that confidence in any investigative process depends not on the mere assertion that evidence exists, but on the willingness to demonstrate that such conclusions are capable of withstanding scrutiny.

Yours faithfully,

Faith Enna

Trading Account No. 420153187

I am extremely disappointed with my experience. My XM Global account was blocked without any prior notice, warning, or clear explanation. I was unable to access my account, and this action was taken without my knowledge.

As a customer, I expect transparency and fair communication regarding any account restrictions or compliance issues. Blocking an account without informing the user creates frustration and raises concerns about customer support and account management practices.

I have attempted to seek clarification and would appreciate a prompt explanation for the account blockage, along with guidance on how this issue can be resolved. I hope XM Global will address this matter professionally and improve communication with its clients in the future.

I sent $17,800, followed all the instructions their team gave. I made sure there were no mistakes, i even took screenshots of the steps. When it was time to withdraw, I was told I had made several errors during the trading process and that to bring out my profits of $121,000, I would have to pay a 13.5% fee to clear the errors. which I did immediately, only for them to ask for another 6%. This was when I contacted the FCA, who directed me to 𝓐𝓶𝓫𝓮𝓻 L𝓪𝓷𝓮𝓼. They traced the deposits to one Mr Marty, who immediately sent all the funds to me.

I deposit 300usd with 50% bonus = 450usd,i grow my account to 1500usd ,when i did request my funds they send me 300usd to my account ,the rest they push me to withrawal it by another way except currencies...bunch of scamers

UPDATE (June 24): XM's public reply below is a COMPLETE LIE. They claim they sent me an "Important Notice" email requesting documents for "pending payouts." This is 100% false. The last email I received from them was on June 12, just saying my account is "under review." They closed my account on June 18, and their live chat agent explicitly told me my funds were permanently confiscated, not "pending." I received ZERO emails requesting documents. Stop lying to the public and send me this supposed request right now if it actually exists!

Stay away from XM! I waited over a month just to withdraw my $270. I provided all documents, including a 13-page stamped bank statement. Today, without any warning, they completely closed my account and confiscated my entire balance using a weird code "ADJ01-COR12".
I contacted their live chat, and the agent "Ioanna" explicitly admitted in writing that they "removed profits" claiming a breach of terms. BUT when I asked her multiple times to name the EXACT clause or rule I supposedly broke, she couldn't answer! She just told me to read the general "risk disclosure." Since when does a risk disclosure give a broker the right to manually steal your balance?
If you make profits, they will lock your account, confiscate your money, and refuse to provide proof. I have all the screenshots and statements and will be reporting them to the Financial Commission. Avoid them at all costs!

I made a deposit of 14999.9 via UPI to my XM account and the amount is transferred but not credited to my trading account it's been 15 days and till now the customer services team answer is 'Under investigation ' I have submitted all the required proofs to them too then also they are not givening any proper answer or not doing the needful full for the processing of the amount. XM is really making fool of their clints

I have deposited amount on 11/06/2026 and till its 5days gone but the balance didn't credited to my trading account. They're asked for all documents amd after provided all correct documents they didn't reach and any resolution and sending me false mails. This is a wrost support and trading platform. Please guys care about your hard earned money. Totally frauds and un professional community.

I'm getting a lot of threat call from international number to remove the review from Trustpilot. XM is scammer and fraud. XM scams my deposit INR 50000

Bu kurum paramı vermiyor 2.000 usd kripto para yatırdım 1 ay geçmesine rağmen halla oyaliyorlar müşteri temsilcisi bana bir ay olmasına rağmen aynı cevabı veriyorlar

I am a verified client of XM Global. Do not attempt to flag or take down this review again, as all my corporate details are clearly stated above.

On June 8, 2026, I made a successful deposit of 1,900 USDT via TRC20 network (TxID: 1e76b322aef984260687b24775aac62f2c1af9920a083f2730e5469f45b9b96b). XM held my funds hostage for 3 days due to their "technical fault".

On June 11, I explicitly warned their live support (Ticket: UPTS7B) that my account was hitting a margin crisis due to their delayed deposit and requested a temporary credit buffer. They refused. A few hours later, my account suffered a forced mechanical STOP-OUT precisely because my missing capital was not credited on time. I lost my entire balance of 2,398.08 USD solely due to XM’s operational negligence.

I have already escalated this solid blockchain proof and sessional evidence directly to the Financial Services Commission (FSC) of Belize. XM Management must immediately contact me at my registered email and fully compensate my lost balances. I will not stop exposing this case until my funds are returned.

XM Global is holding my withdrawal capital and refusing to process it. Frontline chat support keeps copy-pasting robotic scripts blaming an unnamed local "payment provider". They are completely withholding my funds without providing any verifiable bank transaction trail or UTR code. I have already filed an enforcement complaint with the Financial Services Commission (FSC) of Belize. If this is not resolved, I will escalate to the local bank Nodal Officer against their Indian deposit node. Resolve this immediately.
XM MADARCHOD HE !! Don’t open account here !! DONT TRADE IF YOU LOVE YOUR MONEY!! They don’t give withdrawals!!!! AFTER ME ITS NEXT YOU WHO WILL POST HERE FOR WITHDRAWAL!!! They are SCAMMERS !!! They will EAT YOUR MONEY AND WILL HANG YOU COMPLETELY!!

Account number is 302433729
My deposits are delayed and i have many times submitted the contact form regarding my deposit of 8000 of UTR 822602167200 7th may i have shared the bank statement too.amount is still not reflected and agents always give same and generic replies .dont usee this app anymore .disappointed
@xmglobal.com

Very poor customer support

having difficulties with withdrawal. Case# 5R47FZ was opened 3 days ago and no one even asnwered for it

Worst broker i have ever seen I will give -4 rating

This is my Account Number 335233026.
I am extremely disappointed with my experience.
After investing significant time and effort into trading, I successfully generated profits in my account. However, to my surprise, my profits were deducted and my account was subsequently terminated.

I strongly disagree with this decision and believe it was unfair and unjustified. Despite complying with the platform's requirements, I was not provided with sufficient evidence or a clear explanation that would justify the removal of my profits and the closure of my account.

As a client, I expected transparency, professionalism, and fair treatment. Unfortunately, my experience has been the opposite. The loss of profits that I earned through my own trading efforts has caused significant frustration and concern.

I urge the company to conduct a fair review of my case, provide clear evidence supporting their decision, and return any funds or profits that were removed without proper justification.
I hope this matter can be resolved professionally and transparently.

I opened an account through the XM website. My decision to open an account and deposit funds was based on the 100% deposit bonus promotion that was displayed to me on your website.

At the time of my registration, it was clearly shown on the website that there were 19 days remaining until the end of the relevant bonus promotion. Relying on this information, I created my account, started the verification process, and deposited funds / prepared to deposit funds.

However, as soon as my account was verified, I noticed that instead of the 100% bonus that should have been applied to my account, only a 20% bonus was provided. This clearly contradicts the promotional conditions that were displayed to me before registration and verification.

When I contacted your live support team, I was only given a general response stating that “the bonus amount has been updated.” However, I was not provided with a clear and written answer to the following questions:

Why was the 100% bonus promotion, with 19 days remaining, displayed to me at the time of my registration?
On what exact date and at what exact time was the bonus rate changed?
When and through which channel was I informed of this change?
Since my registration and account verification process started while the 100% bonus promotion was still active, why was only a 20% bonus applied to my account?
If the promotional conditions were changed unilaterally after my account verification, what is the legal and contractual basis for this change?

The responses provided by your customer support representative were insufficient, irrelevant, and unprofessional. Even after I specifically requested a direct answer to my question, the same general statements were repeated, and no clear explanation was provided regarding the actual subject of my complaint.

Therefore, I kindly request that the following matters be reviewed and addressed in writing:

The 100% deposit bonus displayed to me at the time of registration should be applied to my account.
A written explanation should be provided regarding when and why the bonus rate was changed.
A written explanation should be provided as to why the promotional conditions displayed to me at the time of registration were not honored.
The live support conversations should be reviewed.
My complaint should be officially registered as a formal complaint, and a complaint reference number should be provided to me.

I believe this situation constitutes misleading promotional presentation, insufficient disclosure, and a unilateral change of promotional conditions to the detriment of the customer.

I am contacting you regarding my XM Global account number 362019896. On May 27th, I invested $950 USD in Crypto OLE and sent screenshots and the TXID as proof of investment via email. However, I have not received any refund or deposit into my account.

My experience with XM has been extremely disappointing.

After trading and generating profits on my account, I was informed that my account had been suspended due to an alleged violation of their terms and conditions. My profits were removed, and when I requested a detailed explanation and evidence, I received only a generic response stating that the decision was final and would not be reviewed.

As a trader, I believe transparency is important. If a broker takes such serious action, clients should be provided with clear evidence and a detailed explanation of what rule was violated.

I encourage anyone considering XM to carefully read all terms and conditions and keep detailed records of their trading activity. Based on my experience, I was left frustrated by the lack of transparency and communication regarding the decision.This review reflects my personal experience.