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I made a withdrawal of $400 from my XM account on the 20th of January 2023 and have not received the funds to date. I checked with my bank and after looking into it they said the funds never came through. I have contacted XM support and it has not yielded anything. They sent me a swift copy and their response always is that i refer to the swift copy. My bank does not have direction at this point because XM did not give me a swift copy with details the bank requested. Does it take this long to get money through bank account?