What To Do If Money Order Lost In Mail

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Coin orders are like to checks, in that you lot specify who can cash them. They are useful if y'all don't accept a checking account, or if you don't want your personal data or depository financial institution account details accessible. Like checks, money orders are oft sent through the postal service, which involves some doubt. Luckily, organizations that provide coin orders as well provide services to trace the condition of those money orders. Nevertheless, the usefulness and fees of these services vary between issuers and depend on whether or not you have your original receipt.^[ane]

1. 1

   Be certain that y'all take the proper receipt. In lodge to rail your money gild, y'all'll have to take the right receipt; that is, you'll demand the 1 with the serial number or receipt number of the money order on information technology. For USPS money orders, this will be the stub on the side of the social club. For Western Matrimony orders, this will be the lesser portion.

   • Some resellers (convenience stores, supermarkets, etc.) may provide you with an additional receipt that does not show the required numbers. This is not the receipt that you need.

2. 2

   Know who to contact. You volition demand to contact the issuer of the money society. This is the service that actually processes the gild, unremarkably your bank, the US Postal Service, or another coin-sending service like MoneyGram or Western Union. The proper noun of the issuer volition as well announced on the money order and receipt. You should not contact the reseller of your money order, which could be any convenience store, supermarket, or other shop where your money order was purchased.^[ii]

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3. iii

   Follow the status of the coin society online. Some issuers allow you to track the money order online for gratis using the series number. The USPS, for example, has a user-friendly tracking site that you tin can use to check the status of your money guild and see if it has been lost or stolen.

   • Most issuers do not offering online tracking. If information technology is unclear if you can do so, or how you tin can do so, contact the seller to come across if it is possible.

4. 4

   Choose a shipment method with its own tracking number. Even if you cannot track the money social club directly, yous can typically rail the physical bundle that contains it. Most mail services and post offices will provide a tracking number, which you can use online to follow the location of the shipment. If the package does non get in at its destination, you lot can bear witness your receipt for the money order to the shipper and request reimbursement.

5. v

   Call the money order issuer. Yous tin can find a customer service number on the receipt or stub for the money order. If for some reason the number is illegible or missing, you can easily find contact data for the issuer on their website. All that you volition have to do when y'all call is tell the representative that you demand to trace the coin order and provide them with the series number or receipt for the your order.^[3]

   • The representative will only be able to tell yous if the money guild has been cashed or if it is outstanding, and will not be able to tell y'all it's location.^[4]

6. 6

   Complete the necessary paperwork. If you believe your money order is lost or stolen, yous will have to make full out the proper blazon of form and mail it in to trace your money social club.

   • For USPS coin orders, visit a USPS location and inquire for a PS Form 6401 Coin Order Inquiry. Yous will demand a valid photograph ID and a fee of $half-dozen.10 to issue the asking. From in that location, USPS will trace your money society and it volition appear on the lost money order listing on the USPS website if it is indeed lost or stolen.^[five]
   • For Western Union or MoneyGram orders, take the receipt to the agent that you bought the coin order from. After yous fill up out the required paperwork and pay a fee ($fifteen for Western Union), the service will trace the coin gild for yous. For some tracing requests, this may have up to eight weeks.^[six]

7. vii

   File for replacement or compensation if the coin gild is lost or stolen. Depending on the issuer and the materials you tin can provide, this can be either an easy or a fourth dimension-consuming procedure.

   • Western Union has a multifariousness of applications for compensation available to customers, and you must select the appropriate course depending on which materials you take (serial number and receipt, for example).^[7] If the money order has not been cashed, Western Matrimony volition either refund your money or supercede the money club.
   • For MoneyGram coin orders, expect that, if the money gild has not been cashed, the full amount will be refunded to y'all inside 30 to 65 days of filing the correct paperwork. If the money lodge has been cashed, though, you will only receive a photocopy of the cashed coin order.^[8]
   • If you purchased the money order from the USPS, and your money order is found to be lost or stolen, y'all volition exist allowed to receive bounty or replacement no sooner than 60 days later you offset filed the 6401 form claim mentioned in a higher place.^[nine] USPS will crave a processing fee of $half dozen.10.^[10]

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1. 1

   Cheque if you can trace the coin order without a receipt. While most banks and issuers volition let yous to trace your money order without a receipt, some will not. For example, if you take lost your receipt for a USPS money order and wish to trace it, read no farther. USPS does not allow tracing of any money lodge without a receipt.^[11] Phone call your issuer'southward customer service number (hands found on their website) to meet if they tin can trace a money club without a receipt.

2. two

   Know who to contact. You lot will demand to contact the issuer of the coin guild. This is the service that actually processes the order, commonly your bank, the US Mail service, or another money-sending service like MoneyGram or Western Union. You should not contact the reseller of your money club, which could be whatever convenience store, supermarket, or other store where your money guild was purchased.^[12]

3. 3

   Gather relevant information. Money orders purchased from an institution other than a bank may be difficult to rail. Try to come with as much information as possible to assist the institution locate your money order earlier contacting them. Important data to have may include:

   • Date and time of purchase
   • Your contact information
   • Where you bought information technology
   • The amount of the coin social club
   • Any information about other money orders you purchased on that day, if applicable.

4. 4

   Contact the issuer. How this process will work varies betwixt issuers.

   • For a banking company-issued money order, your bank volition likely keep a re-create of the receipt, as they are the issuing institution. It is likewise likely that they will be able to identify your money order from your account history and trace information technology this style. However, none of this is guaranteed and will vary between banks. Contact yours for more data.^[13]
   • For tracing orders through a not-bank issuer (such every bit MoneyGram or Western Union) without a receipt, this will take to exist done either in person at the store or with the amanuensis that you purchased the money order from or through the mail service. Both options volition require you to fill out a form that requires some or all of the information listed higher up, pay a fee, and either turn it in at the store or mail service it in.^[14]
     • For Western Union "Research Requests," equally these requests are chosen, a fee of $30 must exist paid at the store or included with the mailed-in form.^[15]

5. 5

   File for replacement or compensation if the money order is found to be lost or stolen. Depending on the issuer and the materials you can provide, this can exist either an like shooting fish in a barrel or a time-consuming process.

   • If the money guild is located and has non been cashed, Western Union volition either refund your money or replace the money order.
   • For MoneyGram money orders, wait that, if the money order has not been cashed, the total amount will be refunded to you within 30 to 65 days of filing the correct paperwork. If the coin order has been cashed, though, you volition simply receive a photocopy of the cashed money social club.^[16]

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• Question

  How do I still trace money guild if I just have a re-create of serial numbers merely no buy date?

  

  Michael R. Lewis is a retired corporate executive, entrepreneur, and investment advisor in Texas. He has over forty years of experience in business and finance, including equally a Vice President for Bluish Cross Blue Shield of Texas. He has a BBA in Industrial Direction from the Academy of Texas at Austin.

  

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  To track about money orders, yous demand only the series number of the money society. Y'all can telephone call the issuer, non the seller, of the order and they will exist able to tell you whether the money order has been redeemed.

• Question

  What can yous do if you do not remember where you purchased the money social club from?

  

  Jill Newman is a Certified Public Accountant (CPA) in Ohio with over 20 years of bookkeeping experience. She has experience working as an accountant in public accounting firms, nonprofits, and educational institutions, and has besides honed her advice skills via an MA in English, writing jobs, and as a instructor. She received her CPA from the Accountancy Board of Ohio in 1994 and has a BS in Business concern Administration/Accounting.

  

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  The issuer name should be on the receipt. If you lot do non have the receipt and you paid for the coin gild with a credit card, check your credit carte du jour statement. If y'all paid in cash and do non have the receipt, then re-visit places where y'all might accept bought the money guild. Requite the employees the exact amount of your coin order, and a range of dates when y'all might have bought it. They should be able to tell yous if they candy such a transaction.

• Question

  How do I discover out if a money order has reached its destination?

  

  Jill Newman is a Certified Public Accountant (CPA) in Ohio with over 20 years of accounting experience. She has feel working as an auditor in public accounting firms, nonprofits, and educational institutions, and has besides honed her communication skills via an MA in English, writing jobs, and equally a teacher. She received her CPA from the Accountancy Board of Ohio in 1994 and has a BS in Business Administration/Bookkeeping.

  

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  If the shipping service provided a tracking number, utilize it on their website to see when the money order was delivered. If you desire to know if a money club has been cashed, the method depends on the issuer. Some allow you put the money order'due south serial number on their website, while others let you lot enter details on an automatic phone phone call. If yous practice not have a receipt, go back to the original issuer with the details of your buy to see what your options are.

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• If the coin order has not been cashed all the same and y'all notwithstanding have suspicions that it is lost or stolen, ask the issuer of the coin order to put a finish payment order on the coin social club. Often this will require an additional fee and tin take up to 24 hours. Once the finish payment gild has been successfully executed, the issuer will issue a replacement coin order in the same dollar amount as the original.^[17]

• Nigh issuers of coin orders require that you expect a predetermined amount of time before tracing a money social club. Some issuers will crave you to look as long as thirty days.

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Article Summary 10

To trace a money society with a receipt, locate the name of the issuer and the receipt number listed on your receipt. You may be able to use the issuer'southward website to track your coin order, simply if you lot tin't, contact them direct using the customer service phone number listed on the receipt. Be certain to have the receipt number handy! If you believe your money guild is lost or stolen, you may have to fill out and mail in paperwork to trace it. For tips on tracing a money social club without a receipt, read on!

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