Rather than send any form of check etc., what I do is a direct transfer from one specific bank account, directly into theirs. That "specific account" has only a few dollars in it until I am about to send. I then transfer into the "low level account" and send from there. I use an FCU for doing this type of movement as they are much more efficient than any of the major/minor banks. Dave_n
Stolen USPS Money Order
- Thread starter Wengayoo
- Start date
I've sold some guns on this forum. I've had a few buyers ask if they could send a personal check. They were long time members and it saved the a trip " into town". So I said ok…… I had an interesting transaction on GB this summer. I made an $1100 rifle purchase. I sent the seller a pic of USPS Money order and tracking number. An hour later he sent me tracking info for the rifle. I thought WOW! He just sent the rifle without receiving payment. They crossed in mail and he got paid the same day I received rifle.
Doug M.
Member
*
I voted with my feet. Wells Fargo has a well earned terrible reputation for a variety of intentional misconduct and ineptitude. Under most circumstances, using them for any purpose is unsound.
I have had a few very frustrating experiences with serious incompetence involving medical insurers (Kaiser in particular, and among other things that I put in writing as a result, I referred to them as "Fuhrer"). Another one screwed up cashing a check for a clearly incorrect amount and then sent me a letter asking if I intended to leave their company. I not only put in writing that the manager who sent that letter needs to be fired for engaging in and tolerating serious fiscal misconduct AND I had already contacted the company and gotten steps taken to fix it but she did not check. Pretty clearly this manager was grossly incompetent and illiterate and I urged firing the dullard who hired her as they had not done the needed due diligence.
OTOH, my dialysis supply/treatment company has been pretty good and they went full stupid and changed the cassettes (pre-assembled tubing) in a way that was pretty dumb. (Shortened the tubing and it created a trip hazard.) I google stalked the president and found her email. I sent my complaint at about 1800, and had a call from one of my nurses by 0830 the next morning. The shortening had made for a trip hazard, and I am SURE that there are other patients who are much worse off than I am. Citing to the WA statutory definition of "vulnerable adult" probably clued them in 2 important things. The first is that I know of what I speak and do this for a living. The other is that they had not adequately considered the collateral impacts.
Circumstances dictate tactics. I have been harsh enough about WSP's regular (civil and criminal) misconduct at the command/executive level that the Chief called me at home because he was unhappy about what I had to say. Didn't care. Made it worse when I pointed out that I had an earned certificate when theirs was a legislative gift because their academy had never met state standards.
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Beemer-mark
Member
I like certified checks, written on the bank's account not the seller's. A CC can't have a stop put on it and the recieving bank has to verify the cashier. Put the check iin a box to mail, boxes are way lass likely to be lost in all the automatic sorting machinery. Lastly require a signature. You can also write a personal check for the amount, scan the check on both sides and email it to the buyer. If the buyer has the bank's mobile app on his phone he can take a picture and deposit.
Last month I had a buyer send me 100 twenties for some grips.
Last month I had a buyer send me 100 twenties for some grips.
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No doubt you're a tough customer Doug. Someone who doesn't suffer fools gladly.
FWIW, I also avoid Wells Fargo, just because they have been accused of so many and varied forms of maleficence and incompetence. Around 20 years ago we did a mortgage re-fi through them and that all went well for us right up until we sold the house and paid off the note. Unfortunately, I haven't been able to persuade my mom to switch from Wells Fargo to a credit union - which is how I've done all my personal banking for the last 35 years.
As for Kaiser, they are my medical insurer and provider, and I have no complaints with the care and service I've received.
Everybody's experience is different.
That's clever. I bet it does not need to be the same bank, but just a mobile bank app.
Doug M.
Member
*
My brother has told me my standards are too high. I apply the same to myself, so ... oh well. I am decently paid to be such a person at work.
The Kaiser thing was a perfect storm of bad timing. They had just sent me a "how are we doing" letter and then made some pretty bad errors in trying to tell me that my dialysis provider was not covered despite a contract with my primary provider (Multicare/Rockwood). The errors were due to a failure of reading comprehension, and silly stuff like trying to find my kidney doctor in Moses Lake when his office is in Spokane (which I told them) and he travels from there to a variety of clinics. I copied him on my hatemail. He keeps it on his computer for when he needs a laugh.
The transplant program is at Providence/Sacred Heart. Coordinating the work of the two is my problem and while not easy, the total of 5 different doctors makes for some potential confusion. I would not dream of imposing that on already busy medical folks; logistical silliness is not a skill I expect to find in doctors/nurses. I have received excellent care from both systems. Modest hiccups are the worst I experience. I did have one bad decision at the SHMC ER, and I did not understand it. One of my doctors did and he raised holy hell. The issue underlying it all was odd and they had to take pretty serious efforts for a diagnosis of exclusion and then addressed it. I never knew for some time how really ill I was. A gallon of blood transfusions in 9 days ... weeeee.
beach elvis
Member
In 2019, I bought a Gretsch guitar online from a reputable seller. Paid for it through the usual channels, no sweat. Got a tracking number from USPS, good…good…,
Starting two days later, that same tracking # said, "delivery to be determined". A MONTH goes by! After a week, I got an email from the seller saying, "WTH! Saw it as not yet delivered."
At the end of 6 weeks, the tracking # STILL said, "Delivery to be determined". The same day I last checked that #, the guitar showed up on my doorstep. I pictured it showing up with the box looking like a claymore had been pointed at it but it was perfectly intact. No damage whatsoever.
How do you misplace a freakin GUITAR??? Not like it was an envelope or something small.
I got nuthin.
(edditid fer spelin)
Starting two days later, that same tracking # said, "delivery to be determined". A MONTH goes by! After a week, I got an email from the seller saying, "WTH! Saw it as not yet delivered."
At the end of 6 weeks, the tracking # STILL said, "Delivery to be determined". The same day I last checked that #, the guitar showed up on my doorstep. I pictured it showing up with the box looking like a claymore had been pointed at it but it was perfectly intact. No damage whatsoever.
How do you misplace a freakin GUITAR??? Not like it was an envelope or something small.
I got nuthin.
(edditid fer spelin)
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OP
UNBELEIVABLE UPDATE!
UPDATE! I filed a lost/stolen report for my missing USPO Money Order and I received a notice from USPO accounting office a week later that said if the MO was not cashed in 10 days, I would receive a full refund. The MO was not cashed within 3 days, and after that it was cancelled by USPO. After 10 business days, I received a full refund check. This was after they verified delivery by GPS location of the mailman. It was suspicious though, because the USPS delivery time stamp was more than an hour off from a private neighbor video camera. In any case, I was blown away that they actually sent me a full refund!
UPDATE! I filed a lost/stolen report for my missing USPO Money Order and I received a notice from USPO accounting office a week later that said if the MO was not cashed in 10 days, I would receive a full refund. The MO was not cashed within 3 days, and after that it was cancelled by USPO. After 10 business days, I received a full refund check. This was after they verified delivery by GPS location of the mailman. It was suspicious though, because the USPS delivery time stamp was more than an hour off from a private neighbor video camera. In any case, I was blown away that they actually sent me a full refund!
Not ready for prime time as far as I am concerned. Any service that directly links your bank account to their platform needs more time to ensure safety from fraud. The following is from a December 20, 2024 CBS report on Zelle.
Zelle "has been slow to implement anti-fraud measures, including closing accounts accused of fraud," Jaret Seiberg, an analyst with TD Cowen Washington Research Group, said in a report, pointing to the CFPB's allegations. "It also permitted the registration of emails that were impersonating legitimate entities, including Zelle itself."
Since Zelle launched in 2017, according to the CFPB, JPMorgan Chase received 420,00 customer complaints involving more than $360 million; Bank of America heard from 210,000 customers with more than $290 million in fraud losses; and Wells Fargo tallied $220 million in fraud losses by 280,000 people.
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Having done business with Wengayoo in the past, I found him to be a straight up guy, a pleasure to do business with. This news makes me happy. That's karma smiling on you for being a good guy.
Good to know. This story lends some credibility to the idea that using a USPS money order affords the buyer at least SOME protection from fraud. At least some of the time and in some cases...
Sold a pistol to fella in FL. He said he sent USPS money order. I never received the money order. Had to wait three months for him to be able to send another. Everything worked out fine. Close to a year later I received the original money order he had sent. Original priority envelope with money order enclosed with no damage. How is that for fast service. John
Yeah, sometimes sorting machinery "eats" envelopes, and they may not be found until someone is doing a full maintenance/service on the machinery. And some machines only get a full service once a year.
It happens. Not often, but it does happen.
sigp220.45
US Veteran
I'm glad it worked out without you having to turn into a Telephone Tough Guy!
stevebarracuda
Member
- Joined
- Nov 3, 2010
- Messages
- 77
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- 79
I recently attempted to purchase car parts with a usps money order. The seller never received the letter and the money order has not been cashed. I had to wait 60 days and then pay $20.15 to open a lost money order inquiry . So i purchased the money order , the post office lost my letter , then i had to pay the post office $20.15 to see if maybe Iĺl get some of my money back . Iĺl never do that again
OP
I did have to pay the $20.15 too....
Mainsail
Member
I'm currently tracking three packages, one mentioned earlier sent the 20th of November, one sent two weeks ago by my wife to Ohio, and one sent to me from NC the 16th - all "in transit" and not getting to where they were sent. I think the USPS employees are quiet quitting.
Are you sure the neighbor cam was correct? We get video from neighbors regularly. The time stamps are rarely accurate . . .
Lady who delivers my mail said the supervisors warned the carriers to expect people complaining. Said there is a 5-7 day backlog for packages at the service centers and warehouses. So if a package had to go through two or three centers, that's up to three weeks' delays.
THE PILGRIM
Member
Had a one Ounce Silver Mexican Libertad disappear at the Albuquerque Main Post Office.
Apparently the perpetrator broke into the facility and took my coin.
Yeah Right!
It was an EBay buy and they finally did reimburse me.
Apparently the perpetrator broke into the facility and took my coin.
Yeah Right!
It was an EBay buy and they finally did reimburse me.
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