Friday, March 17, 2023

Western Union Cancel Money Order

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Cancel A Western Union Money Transfer Via Interac E

Man loses money when Western Union money orders are stolen from mailbox
  • Login to your Heritage Credit Union online banking account
  • Select Western Union Money Transfer from the dropdown list
  • Select Transfer History
  • Click Cancel on the transacion
  • Western Union® Money Transfers via Interac e-Transfer® can be cancelled as long as they have not been accepted by the recipient. The funds will be returned to your account. The service charge will not be refunded.

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    Western Union is a convenient way for people to instantly send money to other people, no matter their locations. However, situations might arise in which the money gets lost, stolen or the senders might simply change their minds about sending the orders and want to retract them. Getting a refund for a Western Union money order is possible with the appropriate documentation and by going through the proper channels.

    Refund A Money Order On Western Union Through Donotpay

    DoNotPay is relying on groundbreaking AI technology that enables us to request your Western Union money order refund.

    If you would like DoNotPay to get your money back for you, simply do the following:

  • Open the DoNotPay app in your web browser
  • Tap or click on Get Protected under the Chargeback Instantly icon
  • Answer the simple questions that our chatbot will ask
  • Verify your signature
  • Submit the request
  • Please note that this will work out only if you sent money through Western Union by paying with your Visa or MasterCard credit, debit, or prepaid card.

    Once DoNotPay builds your case with all the necessary information, we will reach out to your bank with your refund request. The app will also attach all relevant VISA and Mastercard codes and regulations to make sure that you receive your money back.

    Do you want to avoid communicating with the bank altogether? DoNotPay can contact Western Union directly to ask for a refund in your stead.

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    Advantages And Disadvantages Of Money Orders

    • It’s easy to find a place to purchase a money order.

    • You don’t need a checking account to purchase or cash a money order.

    • Only the recipient can cash the money order.

    • A money order can only be used for up to $1,000.

    • If you lose or need to cancel your money order, it can take up to 30 days or longer to be reimbursed.

    • If forget to put the recipient’s name on the order and lose it, anyone can cash it.

    When To Use A Money Order

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    When you need to pay someone or someone needs to pay you, but cash, a personal check, or a smartphone app are not available options, a money order might be the solution. Money orders are widely accepted because they are prepaid, eliminating the risk of non-sufficient funds.

    A money order resembles a check and is more secure than cash because it names a specific recipient, who will have to endorse it and show identification to cash it. Money orders are beneficial for those who don’t have a checking account or do not want to accept personal checks.

    Certified and cashier’s checks issued by financial institutions, often for large dollar values, offer more security than money orders but carry much higher fees.

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    How To Protect Yourself From Money Order Fraud

    Money orders are often used as part of bank scams. There are steps you can take to protect your money If youve purchased or received a money order.

  • Fill out the money order as soon as possible. Write the payees name and other information on the money order shortly after you purchase it.
  • If you receive a money order, deposit or cash it promptly. The less time it spends with you, the less likely it is to get lost.
  • Always keep your receipt. Keep it until you know the payee has received the payment.
  • Avoid leaving money orders in a dropbox. Either hand-deliver it to the payee or drop it off in person at your local post office.
  • Refund Policy For International Money Transfers

    Under the applicable law, international transactions can be canceled for a full refund of the transfer amount within 30 minutes of making the payment, unless the funds have already been collected or deposited. You might also receive a full refund in certain circumstances if you prove that youve made an unintentional mistake.

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    If The Money Order Has Been Cashed

    Filling out a money order completely, with the recipient’s full name and address, makes it difficultbut not impossiblefor a criminal to cash it. When you contact the issuer of the money order to request a cancellation, they’ll check to see if it has already been cashed.

    If the money order has been cashed, the issuer will not replace it or refund the purchase amount.

    Your best bet at that point is to request a copy of the signed, cashed money order from the location that cashed it. Contact local law enforcement and provide them with the copy so they can begin an investigation. If they locate the imposter who cashed the money order, you may be able to get the stolen funds back from them.

    If you’re careful to fill out a money order in detail, and hand it off directly to the recipient or send it by certified mail, your payment will likely go without a hitch. But if the money order goes missing, you have a good chance of getting your money backminus a fee and a few weeks’ delayas long as it hasn’t been cashed.

    As an alternative to using money orders, you might want to consider opening a checking account, which lets you send funds without fees, and makes it easier to stop payment on lost or missing checks.

    What If You Suspect That You Were The Victim Of A Western Union Money Order Fraud

    How do I Cancel a Money Order

    If youve transferred money and it hasnt yet been picked up, you can stop the transaction and receive a full refund, including the transaction fee. Call the fraud hotline at 1-800-448-1492 to block the transaction as soon as possible.

    If your money has been collected by the receiver, but you suspect you are a victim of fraud, Western Union encourages you to file an official fraud claim with them and to report everything to the police.

    Western Union will review all reported cases to determine if a refund will be permitted. The company works hard to identify scam transactions and prevent them from going through their systems, but scammers tactics change constantly and are difficult to eradicate altogether. This is why you should always stay alert and learn more about how to recognize a fraud attempt.

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    What If The Money Order Was Cashed

    If the money order has already been cashed, you probably wont get your cash back or a replacement money order. But you might still be able to collect.

    The provider might give you a photocopy of the cashed money order. If you think it was cashed fraudulently, alert your local law enforcement. The copy could help authorities catch the criminal and make sure the money is returned to you.

    To help protect yourself against fraud, write a name in the payee field as soon as you buy the money order and give one only to people or businesses you trust.

    If you receive a money order, cash it or deposit it in a checking or savings account before you have a chance to lose it. But if your money order does disappear, follow these steps for a decent shot at reclaiming your cash.

    Making A Cancellation Request

  • 1Find your receipt. Track down the original receipt from your purchase of the money order to present to the issuer when you cancel it. This receipt is your most reliable proof of payment and contains important information about your money order, including the tracking number and the date that you bought it. While rules vary between the different institutions that issue money orders, some will refuse to provide a refund if you cant produce the receipt.XResearch source
  • The cancellation process if often faster if you provide a receipt than if you dont.
  • 2Visit the institution that sold you the money order. To cancel a money order, it is best to show up in person to the institution where you purchased it. Bring the original receipt and at least one valid form of identification, such as your driver’s licence. If you cant go to the same location where you bought the money order, visit another branch of the same institution.XResearch source
  • If for some reason you cant present yourself in person to the institution, contact them by phone or email and ask for directions about how to proceed.
  • You will likely be asked to submit a copy of the receipt along with the request form.
  • Depending on the issuer, request forms may be available online. You may also be able to submit you claim via fax, mail, or email.
  • It is best to get a new money order if you are correcting a mistake on the original money order or if the original was lost or stolen.
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    How To Purchase A Money Order

    You can purchase with a money order with cash, travelers checks, or your debit card. In fact, one of the major benefits of using money orders over other money transfer options is you dont need a bank account to purchase one.

    Some issuers accept credit cards as payment, but it will likely be processed as a cash advance, which incurs fees and a higher interest rate. Consider waiting until you have all the necessary cash on hand before purchasing a money order to save yourself extra money.

    Another thing to keep in mind is single money orders are generally limited to amounts less than $1,000. If you need to send more than $1,000, talk to the agent about your options, including electronic money transfers. Lastly, you can expect to pay a small processing fee on top of the amount youre sending. Your agent will explain the cost when you arrive.

    How To Fill Out A Money Order

    35 Western Union Receipt Sample

    A money order offers a reliable alternative to cash, credit, or checks. You can use money orders to give as a gift, make purchases, and even pay bills. You can purchase a money order through banks, certain retail locations, and participating Western Union agent locations.

    Accurately filling out a money order isnt complicated, but it does require attention to detail. Need help filling out a money order for the first time? Learn how to fill out a money order correctly by following the step-by-step instructions below.

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    Request A Refund Over Email Letter Or Fax If You Dont Have Your Original Money Order Or Receipt

    You should follow this procedure if you dont have your original money order or receipt.

    If somebody stole the money order from you or you were the victim of a fraud, you will also have to attach a copy of the police report.

    Bear in mind that processing can take as long as six to eight weeks, and Western Union cannot guarantee that you will be eligible for a refund.

    *The documents that prove you are the purchaser could include:

    • The original store cash register receipt
    • Copies of other money orders or their receipts purchased at the same time
    • Bank statement showing the payment
    • Copies of other money orders purchased for the same purpose and same amount

    Other Money Order Questions

    If you are a purchaser and you have a money order receipt, submit refund request here.

    Click here for other submission options.

    You may be able to cash your money order at banks and other retailers . In some circumstances, the bank or retailer may charge you to cash your money order. You may also be able to deposit the money order into your bank account.

    Please note, not all Western Union locations, including where you buy a money order, are able to cash them.

    No. However, depending upon the state of purchase, if you do not use or cash the money order within one to three years of the purchase date, a non-refundable service charge will be deducted from the principal amount.

    Click here for more information.

    You can buy a money order at a participating Western Union Agent location. Make sure to apply âMoney Orderâ as option in filters.

    Click here if you did not find answer to your question above.

    *Card issuer cash advance fee and associated interest charges may apply. Use a debit card to avoid these fees and charges.

    ** Terms and Conditions apply. Restrictions apply, see

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    Request A Refund Over Email Letter Or Fax If You Have Your Original Money Order Or Receipt

    You will need your original money order or receipt to complete this request.

  • Fill out, sign, and date the tracing-refund request on the back side of the money order receipt, or simply complete the Money Order Customer Request form
  • Submit these documents and the $15 non-refundable processing fee by:
    • Fax: 1-720-864-0477

    You should allow 30 days for processing.

    Where To Get A Money Order

    Western Union Girls won’t refund my Money on a Money Order

    Buying a money order typically requires you to visit a location that sells them and leave with a paper money order in hand. U.S. locations that sell money orders, many with evening and weekend hours, include Walmart, CVS, or any of the 31,300 U.S. Postal Service retail offices.

    The U.S. Postal Service carries its brand and format of money orders, as do some banks and credit unions. Other sellers generally offer MoneyGram or Western Union. Whichever type you get, the seller will imprint the date and the amount and then give you the incomplete money order to finalize by hand.

    Almost all money order purchases involve a fee, so its wise to shop around. Walmart charges $1.00 at most locations, and the USPS charges $1.65 to $2.20 depending on the amount. The value limit on money orders is $1,000, but you can order more than one at a time.

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    Contacting The Place Of Purchase

  • 1Contact the original place of purchase. You will need to visit or otherwise contact the place of purchase for the money transfer.
  • If the transaction took place at a sending agency, you will need to visit that agency’s physical location.
  • If the transaction took placed online, you will need to send an email or call the consumer line phone number.
  • 2Provide gathered information. You will need to share any necessary information in-person, via email, or over the phone.
  • You will need to explain that you are requesting a cancellation and provide an explanation for your request. This is to help avoid or report any potential fraud.
  • Provide verifying information. In order to verify your request, you will need to provide the following information: Your name, your address, MTCN number, Sender’s name, amount sent and the expected payout country. If any of these do not match the information, Western Union will be unable to proceed with your request.
  • 3Answer any additional questions. The sending agency or Western Union may ask follow-up questions to ensure proper privacy and security. Answer any required information in a timely manner.
  • How To Cancel Or Replace Money Orders

    The Balance / Theresa Chiechi

    As the Greek philosopher Heraclitus said, Change is the only constant in life. So what happens if your plans change after you buy a money order and drop it in the mail? What if it goes missing or gets stolen?

    With most money order issuers, including USPS, Western Union, and MoneyGram, you can cancel the payment. To do so, either fill out a form or take the money order back to the place you originally bought it. Bring identification and any information you have about the money order to start the process. Its best if you have a receipt from your original money order purchase.

    If successful, the issuer should return funds to you, often within about 60 days.

    The sooner you act, the better: If the money order gets cashed or deposited, youll have a much harder time getting your money back. Read on for more details about the process.

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    Can You Cancel A Missing Money Order

    The USPS doesnt allow you to stop payment on money orders, only replace them, if lost or stolen. You can cancel a money order through Western Union as long as it hasnt been cashed. To do so, visit the same location where it was purchased. Or, you can cancel a Western Union money order digitally if the purchase originated online or through the mobile app.

    Learn More Ways To Send Money With Western Union


    If you need help with the money order process or need a refund, contact Western Union customer service.

    Western Union gives you choices. In addition to money orders, you can transfer money the way that works best for youonline, with the app, in person, and more. You can learn how to fill out a money transfer on our website or contact us anytime if you need help with the steps to fill out a money transfer. For more information about using Western Union, view our frequently asked questions.

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    Keep The Money Order Receipt

    Your money order will have a detachable receipt to keep for your records. This is not only your proof of purchase, but it also provides transfer tracking information so you can confirm when the money is deposited by the recipient.

    If you suspect that your money order is lost, misplaced, or stolen, report it to the provider. You wont be able to do this without the receipt, so keep it in a safe place, at least until the money is deposited by the right person.

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