How To Find Out If A Money Order Has Been Cashed Usps

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Money orders are similar to checks, in that you specify who tin cash them. They are useful if you don't have a checking business relationship, or if you don't want your personal data or bank account details attainable. Like checks, money orders are often sent through the postal service, which involves some doubt. Luckily, organizations that provide money orders also provide services to trace the condition of those coin orders. Yet, the usefulness and fees of these services vary between issuers and depend on whether or not you have your original receipt.^[1]

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Exist sure that you accept the proper receipt. In order to track your money order, you'll take to accept the right receipt; that is, yous'll need the one with the serial number or receipt number of the coin gild on it. For USPS money orders, this volition be the stub on the side of the club. For Western Union orders, this volition be the bottom portion.
- Some resellers (convenience stores, supermarkets, etc.) may provide y'all with an additional receipt that does not bear witness the required numbers. This is not the receipt that you lot need.
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Know who to contact. You will need to contact the issuer of the money order. This is the service that actually processes the club, usually your banking concern, the U.s. Postal Service, or another coin-sending service similar MoneyGram or Western Spousal relationship. The name of the issuer volition also appear on the money order and receipt. Yous should not contact the reseller of your money order, which could exist any convenience store, supermarket, or other store where your money order was purchased.^[2]

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Follow the status of the money society online. Some issuers permit you to track the coin order online for free using the serial number. The USPS, for instance, has a convenient tracking site that you can use to check the condition of your money order and see if information technology has been lost or stolen.
- Most issuers do non offer online tracking. If it is unclear if yous can do so, or how yous tin do so, contact the seller to see if it is possible.
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Choose a shipment method with its own tracking number. Even if you cannot track the money order directly, you lot tin typically track the physical package that contains it. Almost mail services and postal service offices volition provide a tracking number, which y'all can employ online to follow the location of the shipment. If the package does not arrive at its destination, you can show your receipt for the money order to the shipper and request reimbursement.
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Call the money order issuer. You can detect a client service number on the receipt or stub for the money order. If for some reason the number is illegible or missing, yous can easily find contact information for the issuer on their website. All that you lot volition have to do when you lot telephone call is tell the representative that you lot need to trace the money society and provide them with the serial number or receipt for the your social club.^[3]
- The representative will only be able to tell y'all if the money order has been cashed or if it is outstanding, and will not exist able to tell you it's location.^[four]
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Complete the necessary paperwork. If you believe your money order is lost or stolen, y'all will have to fill out the proper type of form and mail information technology in to trace your money order.
- For USPS money orders, visit a USPS location and enquire for a PS Form 6401 Money Order Inquiry. Y'all will need a valid photograph ID and a fee of $half-dozen.10 to issue the request. From there, USPS will trace your money order and it will appear on the lost coin gild list on the USPS website if it is indeed lost or stolen.^[5]
- For Western Matrimony or MoneyGram orders, take the receipt to the agent that y'all bought the money order from. After you fill out the required paperwork and pay a fee ($xv for Western Matrimony), the service will trace the money order for you. For some tracing requests, this may take up to viii weeks.^[half-dozen]
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File for replacement or compensation if the money club is lost or stolen. Depending on the issuer and the materials you tin can provide, this tin can be either an easy or a time-consuming procedure.
- Western Marriage has a variety of applications for compensation available to customers, and yous must select the advisable course depending on which materials you lot have (serial number and receipt, for example).^[7] If the money order has non been cashed, Western Wedlock will either refund your money or replace the money lodge.
- For MoneyGram money orders, expect that, if the money club has not been cashed, the full amount volition be refunded to yous within 30 to 65 days of filing the correct paperwork. If the money order has been cashed, though, you volition only receive a photocopy of the cashed money order.^[8]
- If you lot purchased the money club from the USPS, and your money order is found to be lost or stolen, you volition exist allowed to receive compensation or replacement no sooner than 60 days after you first filed the 6401 grade claim mentioned above.^[ix] USPS will crave a processing fee of $6.10.^[ten]
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Check if you can trace the money order without a receipt. While well-nigh banks and issuers volition allow you to trace your coin order without a receipt, some will not. For example, if you have lost your receipt for a USPS money guild and wish to trace it, read no further. USPS does non permit tracing of whatever money order without a receipt.^[eleven] Phone call your issuer's customer service number (easily institute on their website) to see if they can trace a money order without a receipt.
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Know who to contact. Yous will demand to contact the issuer of the money order. This is the service that actually processes the social club, usually your bank, the US Postal Service, or some other money-sending service similar MoneyGram or Western Union. You should not contact the reseller of your money order, which could be whatsoever convenience store, supermarket, or other shop where your coin social club was purchased.^[12]
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Gather relevant information. Money orders purchased from an establishment other than a bank may exist difficult to rail. Try to come up upwardly with as much information as possible to help the establishment locate your money gild before contacting them. Important data to have may include:
- Appointment and time of purchase
- Your contact data
- Where you lot bought it
- The amount of the money order
- Whatever information about other money orders yous purchased on that day, if applicable.
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Contact the issuer. How this procedure will work varies between issuers.
- For a bank-issued money order, your bank volition likely keep a re-create of the receipt, as they are the issuing institution. Information technology is also likely that they will exist able to identify your coin gild from your business relationship history and trace it this way. However, none of this is guaranteed and will vary between banks. Contact yours for more information.^[13]
- For tracing orders through a non-depository financial institution issuer (such every bit MoneyGram or Western Matrimony) without a receipt, this volition take to be washed either in person at the store or with the agent that you purchased the money guild from or through the mail. Both options will require you lot to make full out a form that requires some or all of the information listed above, pay a fee, and either plough it in at the store or mail service it in.^[14]
  - For Western Marriage "Research Requests," as these requests are called, a fee of $xxx must be paid at the store or included with the mailed-in form.^[15]
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File for replacement or bounty if the coin club is found to exist lost or stolen. Depending on the issuer and the materials you tin provide, this can be either an piece of cake or a time-consuming process.
- If the money social club is located and has non been cashed, Western Union volition either refund your money or supplant the money guild.
- For MoneyGram money orders, expect that, if the money order has not been cashed, the total corporeality will be refunded to you within 30 to 65 days of filing the right paperwork. If the coin society has been cashed, though, you will just receive a photocopy of the cashed coin order.^[16]
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How do I still trace coin gild if I just accept a copy of series numbers but no purchase appointment?

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

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To track most money orders, you need only the serial number of the coin order. Y'all can call the issuer, not the seller, of the order and they will exist able to tell you whether the money lodge has been redeemed.
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What can you do if you do not call back where yous purchased the coin society from?

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

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The issuer name should be on the receipt. If you practise not take the receipt and you lot paid for the money lodge with a credit card, check your credit card statement. If you paid in cash and practice not have the receipt, then re-visit places where you might accept bought the money club. Give the employees the verbal amount of your money club, and a range of dates when you might accept bought information technology. They should be able to tell you if they processed such a transaction.
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How exercise I find out if a money order has reached its destination?

Jill Newman is a Certified Public Accountant (CPA) in Ohio with over xx years of accounting experience. She has experience working as an accountant in public accounting firms, nonprofits, and educational institutions, and has as well honed her communication skills via an MA in English, writing jobs, and as a teacher. 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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If the shipping service provided a tracking number, apply it on their website to encounter when the money order was delivered. If you want to know if a money society has been cashed, the method depends on the issuer. Some let you put the money lodge's serial number on their website, while others allow you enter details on an automatic phone call. If you exercise not have a receipt, get dorsum to the original issuer with the details of your purchase to see what your options are.

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If the money order has not been cashed even so and yous all the same take suspicions that it is lost or stolen, ask the issuer of the money order to put a finish payment society on the coin order. Oftentimes this will require an additional fee and can take up to 24 hours. In one case the end payment society has been successfully executed, the issuer will issue a replacement money order in the same dollar amount as the original.^[17]
Most issuers of coin orders require that yous wait a predetermined amount of time before tracing a money guild. Some issuers volition crave you lot to wait as long every bit thirty days.

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Commodity Summary 10

To trace a money social club with a receipt, locate the name of the issuer and the receipt number listed on your receipt. Yous may be able to use the issuer'due south website to track your coin lodge, but if you can't, contact them directly using the customer service phone number listed on the receipt. Be sure to have the receipt number handy! If you believe your money order is lost or stolen, you lot 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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