The first thing to do when your money order is stolen is report it to the company that issued it. This must be done by either you or the purchaser, depending on company policy. A refund is then processed, unless the money order has been cashed. If so, additional steps may be required.
USPS Money Orders
The United States Postal Service will replace lost or stolen money orders for a fee of $6.10, as of 2015. Obtain PS Form 601 from your local post office. Provide your personal details, such as your name and address, and serial number of the stolen money order. If you don't know the serial number, call the Postal Inspection Service at (877) 876-2455 to obtain it. USPS will research the matter and send you a replacement money order after completing an investigation.
Western Union Money Orders
For Western Union money orders, complete a Money Order Customer Request form. Provide your personal details, money order number, date purchased and amount of money order. Send the completed form, along with a copy of the receipt and $15 processing fee to Western Union Financial Services Inc., P. O. Box 7030, Englewood, CO 80155–7030. Western Union will research the matter and process your refund within 30 days if the money order has not been cashed. If you don't have the receipt, you must complete a Money Order Research Request form instead, and send it along with a $30 processing fee to Western Union. If not cashed, Western Union will issue a refund.
MoneyGram Money Orders
To report a MoneyGram money order stolen, complete and mail a claim card listing its serial number to MoneyGram International, P.O. Box 610, Minneapolis, MN 55480-0610. A copy of the purchase receipt and $15 processing fee must be included. MoneyGram will send a refund within 65 days of receiving the claim, although most requests are usually processed within 30 days. If cashed, MoneyGram will send a copy of the cashed money order instead.
Bank Money Orders
Although bank policies can differ, you must notify the bank a money order was stolen. Depending on bank policy, the purchaser may also request a stop payment on the money order. The bank will likely charge the purchaser a fee for both the stop payment and to replace the stolen money order.
If Your Money Order Is Cashed
If the stolen money order is cashed, the issuer may still issue you a refund. You may be asked to complete an affidavit in which you state under penalty of perjury that the money order was stolen and not cashed by you. You may be required to report the theft to police and provide the issuer with a copy of the police report. Even if not required for refund, it is still a good idea to report the theft to police. In other instances, no additional paperwork is required. The issuer sends you a refund after confirming the stolen money order was cashed by someone other than you.