1. Offers a rate that is a full 20% worse than the rate officially offered (not black market or gray market) in at least 4 leading banks in this country. (Backed by an official web site citing these rates.) And that's separate from and in addition to their hefty commissions.

2. When asked in a clear way why their rate was so inferior to local banks, they gave a complete non-answer that didn't even make sense.

Wasted my money; wasted my time.