West Virginia daily

A two-year review after hundreds of complaints found 38 percent of transfers from the United States to Canada during 2003 were "fraudulently induced," according to the committee's announcement.

Western Union, part of the Denver-based First Data Corp., wasn't accused of any wrongdoing. Still, it has agreed to pay $8.1 million toward a national consumer awareness program to reach 3 million of the most vulnerable customers.

Older consumers have been targeted most by the fraudulent telemarketers, which were often based in Canada and other countries, the state officials said.

_ Reimbursing any wire transfer and fee to any consumer who requests, before the pickup of a transfer, to stop the transfer because of fraud concerns.

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