I used to xoom to send some money using paypal last year. A while later, somebody used my paypal and xoom and sent almost $1000 to someone in Vietnam. Luckily, I noticed very soon and tried to contact xoom. They were neither professional nor helpful in the all thing. Finally, I got the thing resolved through Paypal and BOA, but it was a lot of hassle. For security, please stay away from xoom.