I am one of many complaints I have seen on the internet regarding Xoom cancelling accounts alleging violation of their user agreement.
I read their user agreement and found I did nothing wrong but upon contacting xoom for the specific reason they refuse to tell me.
These people are a rip off, you are much better to use Money Gram or Western Union. Xoom is not a reputable company and when their is a problem their customer service department refuses to help you.