1. No way to reach a human for Customer (Dis)Service.2. MORE IMPORTANTLY: BEWARE!! Huge loss of personal financial confidentiality. When I sent money to an individual I discovered that, by selecting that person's name, I could see EVERY financial transaction that that person made. In addition, when others sent money to this same person, by selecting the other person's name, I could see ALL THEIR FINANCIAL TRANSACTIONS. THIS IS A HUGE INVASION OF PRIVACY.