Buckeye Appraisal Service

[redacted] contacted MEMO Financial Services on 10/26/and stated that he had purchased a money order, but did not have possession of the money order or the purchaser's receipt, nor did he know the serial number of the money order He was provided with a money order number based on the purchase date, amount, time and store location that he provided to our customer service representative, and a "Lost Receipt Form" was sent to him so that he could file a claim on the money order, and could be refunded in the event that the money order did not become cashed The money order was cashed and cleared the bank on 10/27/and MEMO did release funds as required, so a copy of the cashed money order was provided per our procedure.Because the money order was cashed, there is no reimbursement available to [redacted] , as the funds have already been paid out on this money order Additionally, [redacted] has no proof that he is the purchaser of the money order as the receipt was lost with the money order The money order was blank (not made payable to anyone), so there is no alteration or forgery involved All of these things being the case, MEMO has no recourse available for [redacted] .I have attached a copy of the money that was also previously sent to [redacted] If he wishes, he can try to pursue collecting the funds from whoever cashed the money order based on the information on the back of the money order However, because he has no proof that he is the purchaser, and MEMO has no way to know if he is the purchaser, it is unlikely that he will be successful in doing so.The $fee that [redacted] is referring to is the fee charged to either replace an un-cashed money order or to provide a copy of a cashed money order As we did provide a copy, this fee cannot be refunded.If any further information is needed regarding this situation, please feel free to contact me at ###-###-####.Sincerely,Terry S [redacted] Manager of Money Services MEMO Financial Services, Incand Subsidiaries PO Box Camp Hill, PA - PH: ###-###-#### Fax: ###-###-#### [email protected] www.memoco.com

Complaint: [redacted] I am rejecting this response because:Copy of lost Money orderdue 2 file a police report also money order was not cashed but now they said someone cashed it at [redacted] Bank. [redacted] Bank said on one cashed or deposit it in Harrisburg called. Regards, [redacted]

Per the attachment that *** *** included with his most recent response, the copy of the money order clearly shows that the money order was cashed as there is a bank stamp on the back of the money order and MEMO was charged for and paid out on the money order. Otherwise, there would be no copy to provide to *** ***. Whoever deposited the money order deposited it into an account at *** Bank. This could have been done directly at the bank or through a check cashing location, or via remote deposit. Unfortunately, MEMO has no way to know where or by what means the money order was deposited. Again, per our previous response, *** *** has no proof that he purchased this money order. We provided as much assistance as we could based on the information he provided as far as purchase date and time, however, this may not be the money order that he purchased. The fact that *** *** has no proof of purchase and he is not the owner of the account into which the money order was deposited may prevent the bank from providing any information to him, as this information is private and not accessible by anyone other than the owner of the account. We are very sorry that our response does not satisfy *** ***'s desired outcome of his money being refunded to himHowever, only the purchaser of the money order has control of the receipt which is the proof of purchase, so the responsibility does fall on the purchaser to retain this receipt. Because there is no receipt available, there is nothing more MEMO can do to assist in this matter. *** *** may try to contact the police to file a report, but again, he has no proof that the money order in question belongs to him, so there is no guaranty that this course of action will be successful. Unfortunately, in most cases, losing a blank money order with the receipt attached is the equivalent to losing cash.As always, I am available if further discussion is neededI can be reached at ###-###-####.Sincerely,Terry S***, Manager of Money ServicesMEMO Financial Services, Inc.PO Box ***, Camp Hill, PA ***@memoco.comwww.memoco.com

Complaint: [redacted]
I am rejecting this response because:Copy of lost Money orderdue 2 file a police report also money order was not cashed but now they said someone cashed it at [redacted] Bank.  [redacted] Bank said on one cashed or deposit it in Harrisburg called.
Regards,
[redacted]

[redacted] contacted MEMO Financial Services on 10/26/15 and stated that he had purchased a money order, but did not have possession of the money order or the purchaser's receipt, nor did he know the serial number of the money order.  He was provided with a  money order number based on...

the purchase date, amount, time and store location that he provided to our customer service representative, and a "Lost Receipt Form" was sent to him so that he could file a claim on the money order, and could be refunded in the event that the money order did not become cashed.  The money order was cashed and cleared the bank on 10/27/15 and MEMO did release funds as required, so a copy of the cashed money order was provided per our normal procedure.Because the money order was cashed, there is no reimbursement available to [redacted], as the funds have already been paid out on this money order.  Additionally, [redacted] has no proof that he is the purchaser of the money order as the receipt was lost with the money order.  The money order was blank (not made payable to anyone), so there is no alteration or forgery involved.  All of these things being the case, MEMO has no recourse available for [redacted].I have attached a copy of the money that was also previously sent to [redacted].  If he wishes, he can try to pursue collecting the funds from whoever cashed the money order based on the information on the back of the money order.  However, because he has no proof that he is the purchaser, and MEMO has no way to know if he is the purchaser, it is unlikely that he will be successful in doing so.The $15.00 fee that [redacted] is referring to is the normal fee charged to either replace an un-cashed money order or to provide a copy of a cashed money order.  As we did provide a copy, this fee cannot be refunded.If any further information is needed regarding this situation, please feel free to contact me at ###-###-####.Sincerely,Terry S[redacted]
Manager of Money Services
MEMO Financial Services, Inc. and Subsidiaries
PO Box 8863
Camp Hill, PA  17001
-8863
PH: ###-###-####
Fax: ###-###-####
[email protected]
www.memoco.com