What To Do If Money Order Gets Lost In The Mail
Lost Coin Club? How to Abolish It and Get Your Greenbacks
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Money orders can exist a convenient style to pay bills or make payments to individuals. For case, if you lot plan to buy a automobile, you could pay the seller using a money order. Or if someone owes money to you, they might use a money club to pay.
A lost or stolen money social club, even so, can be a source of fiscal stress if you lot're worried most how to become the money back. While a lost money order may be an inconvenience, there are some things you can do to attempt to recover your cash.
Here's more on how to rail a coin lodge and what your options are when i is lost or stolen.
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What Is a Money Order?
- What Is a Coin Lodge?
- Can You Cancel a Coin Order?
- How to Cancel a Money Guild
- How to Track a Money Order
- Money Order FAQs
A money order is an alternative course of payment you can use in place of checks or cash.
You can purchase money orders at a variety of places, including the mail service, Walmart and money order issuers such as Western Union. It's as well possible to get a money order at your depository financial institution or credit spousal relationship.
The maximum dollar amounts immune for coin orders and the fees yous pay to purchase them can vary based on where yous buy them.
Can You lot Abolish a Money Gild?
The brusk answer is yeah, you can cancel a lost money lodge. The issuer should accept a cancellation process that outlines what steps yous need to take to recover your greenbacks when a money order goes missing.
Just at that place's a catch.
Typically, you tin simply cancel a money order if it hasn't been cashed nonetheless. This is similar to how a terminate payment works with a checking account.
If the money order has been cashed already, then information technology could be more difficult to get your money back or get a replacement coin club. The simply way you might be able to become your coin back then is if you can prove that someone cashed the money club fraudulently.
You need to try and go a copy of the cashed coin gild and written report it to law enforcement. If the money gild was stolen and the regime are able to track the person down, that might give y'all a better shot at getting the cash back.
How to Cancel a Money Social club
If you need to cancel a money order because information technology's lost or stolen, there are certain steps to follow. The cancellation procedure can vary based on where it was purchased. Merely generally speaking, here's what y'all need to do:
one. Contact the issuer of the money lodge
The first thing to practice if you're sure that your money order is lost is to contact the issuer. The issuer will be able to tell yous how to cancel a money gild and what to do side by side.
Once more, this can vary based on where the coin society was issued. For example, if you purchased a USPS money gild, you lot'd demand to visit your nearest post office location to request a cancellation.
If yous purchased a MoneyGram coin gild at Walmart, you tin can't identify a Walmart cancel order directly. Instead, you accept to request a counterfoil or replacement coin lodge through MoneyGram.
If you need to cancel a Western Wedlock money lodge, the style you can do it depends on how the money was sent. You can cancel your coin order:
- In person at a Western Wedlock location (if you lot purchased a money order in person)
- Over the phone
- Through the Western Union mobile app (for an online money order)
When you contact the issuer, explicate that you demand to cancel a money order and why. It helps to give every bit much detail equally possible explaining how the money order was lost or stolen.
2. Make full out the cancellation asking class
Unless you lot have the option to cancel a lost or stolen money order over the phone, you typically demand to complete a cancellation request class with the money lodge issuer.
Depending on the issuer of the money society, you lot may need your original receipt to submit a cancellation asking. The cancellation asking form will enquire you lot for specific details, including:
- The appointment the money club was purchased
- The coin gild amount
- The location that the money lodge was purchased
- The money club's tracking number
All of this should be included on your receipt. If you don't have the original receipt, y'all tin can even so submit a cancellation request form using the information y'all can recollect. The money order issuer may too ask for the name of the person or business that you intended to transport the money order to.
3. Pay the money order cancellation fee
If y'all need to cancel a money club, the issuer of the coin order may charge a counterfoil fee to do and so. This fee can vary based on from where you purchased the money guild.
Hither'due south a quick breakdown of what you can expect to pay for money order cancellation fees at some of the top money order issuers:
- Walmart (MoneyGram): $18
- Western Matrimony: $15 if y'all take your original receipt; $30 if you do non
- USPS Money Guild: $half-dozen.25
Different fees may apply if you purchased a money lodge at your banking concern or credit union. If you want to go a money order refund from your bank, first contact customer service to find out whether that is possible. Then, ask what you lot might pay for a cancellation fee and how to submit a cancellation request form.
4. Permit your cancellation asking time to procedure
If you have to cancel a coin guild, y'all may not be able to get the coin back correct abroad. A money society refund could accept several days or even several weeks to process.
Western Union, for instance, can take upwards to thirty days to give you your coin back if you lot canceled a money order and had your original receipt. Without your receipt, on the other paw, processing could take up to six to 8 weeks.
One time your request is approved, you tin receive a replacement money order. Depending on the issuer, you may receive an online coin society or be mailed a paper 1.
Or yous could ask for a coin social club refund if you only desire the cash dorsum. There may be a split up fee y'all have to pay to go a lost or stolen money order refunded. The processing times may be about the same, depending on the issuer's refund policies.
How to Track a Coin Order
If you're worried about a coin order that you've sent to someone beingness lost or stolen, or you lot're due to receive a coin society, yous should be able to track information technology through the issuer.
- Western Marriage Tracking
You can runway Western Marriage coin orders online, either as the sender or the receiver. You merely need to enter in the Western Wedlock tracking number that'due south assigned to the money order to find out where it is.
- Walmart (MoneyGram) Money Club Tracking
If you want to track Money Gram coin orders purchased at Walmart or another location, y'all can exercise so through the MoneyGram website. You need to have the series number and the dollar corporeality to rails Money Gram coin orders online.
- USPS Money Order Tracking
If y'all want to runway a money order USPS issued, you can too do that online. You demand to have the money club's series number, the post office number where it was purchased and the dollar amount to track it.
The options for tracking coin orders purchased elsewhere tin depend on where they were purchased.
Money Order FAQs
Yeah, y'all tin can use a credit card to purchase a money order at certain issuers. Walmart and the mail service office, for example, do not permit you to purchase money orders with a credit menu – only Western Union does.
Yes, they do. Like Walmart, CVS offers money orders through MoneyGram. This means if a coin lodge purchased from CVS is lost or stolen, you'd need to contact MoneyGram to cancel it or accept information technology replaced.
Money orders can be a safe and secure way to send coin. For example, if someone is sending you a money order instead of a cheque, y'all don't have to worry most its bouncing because information technology's already been funded. But if you're sending or receiving a money order, information technology's of import to make certain you're tracking it to minimize the risk of its beingness lost or stolen.
If you're worried about a money social club being lost or stolen, there are other ways to send coin. Opening a checking account, for case, can get in easier to write checks, schedule ACH payments or make person-to-person payments online.
When comparison checking accounts, exist sure to inquiry the fees, features and benefits, besides as the other products and services a banking concern or credit union offers. This can help you lot find the correct checking account for your needs and budget.
Source: https://www.moneyrates.com/checking/can-you-cancel-a-money-order.htm
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