Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/19/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I bought a money order, and I can't find anywhere that cashes the money order. The customer service department can't even provide me a list of places that accept their money orders. After calling 4 times, I got hung up on sometimes, and other times was told to call places that do not accept Memo money orders. So, they sell their money orders in places where they can't be cashed or redeemed, and can't tell me where I can go to cash it, essentially just stealing my 195 dollars. It's absurd.

  Business Response

  Date: 03/28/2025

  Please see attached.

• Initial Complaint

  Date:07/09/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased a money order for ****** on the top of the money order it says international money order when I filled it out and sent it to the mass dot the sent it back explaining that it could not be used for payment in the us. When I called the company I spoke to a really rude b**** *********************** I explained my troubles and she started to say how people are ignorant to the fact it says international I said I must be also because when brought to a check cashing location to endorse to myself and write not used for intended purpose on the back they also had never seen these money orders and also stated it was used to send funds over seas. *********************** then stated there was only one thing to do and that was go on their web site and print out a replacement form or she could email one to me for me to print out . I stated how this is very inconvenient as I do not have a printer no car and Im really unable to get to one but I agreed to have her email me the information. Now we all know an email is very quick I said I would wait on the phone while she did so to confirm I received it she got very ***** said she did email it but here it is hours later and still no email. I feel like this company is scamming people who are simply trying to get their bills paid when I asked her where I would be able to cash this replacement money order she stated at my bank lmfao if I had a bank I would use a f****** check and not be purchasing money orders its probably easier anyways but not everyone has a bank and on top of that this company now wants me to pay ***** dollars for a replacement money order that I do not want as I cant cash them anyways and I do not feel like I should have to pay for something they are selling in mass thats not able to use and I just simply wanted to pay my bill not have it returned to me almost 2 months later by the said receiver please help me get a refund not a replacement and put a stop to this company charging people ridiculous money for replacements

  Business Response

  Date: 07/09/2024

  I listened to the recorded call where ******************** spoke with our CSR.  During the call, our CSR attempted to explain to ******************** that our money orders say the word international on them so that they can be cashed in other countries, and that some people take that to mean something different.  It was explained to ******************** that we could replace the money order with a new money order made payable to her, and that the form could be printed from website, one could be emailed to her, or one could be mailed to her. There was no mention that there was not a printer available. If that had been mentioned, the offer to mail the form would have been the one that would have been suggested. Most of the call consisted of ******************** making accusations, shouting at, and cursing at our CSR.  At no time was our CSR disrespectful, in fact she spent a good deal of the call allowing ******************** to voice her concerns and then attempting to assist her whenever she stopped speaking.  She told ******************** that she understood that she was upset, but that she may be angry at the wrong party.  The response that she could take the new money order to her bank to cash it was simply a suggestion that works for many of our customers.  Our CSR really wasn't able to provide any other possible solutions, as she had little opportunity to speak without being shouted at or cursed at.  She was also not able to relay to ****************** that because she has her original money order, there would be no charge to replace it to her.  I also reviewed the email that was sent out and it was addressed properly and was sent during the phone call.  It may be possible that it went to Junk mail, or that there was a problem receiving it because of the attachment.  We have no way to determine that.

  If ******************** would like to have a replacement money order sent to her, payable to her, we would be happy to mail a Money Order Request Form to her.  The form would have to be completed, signed and sent back to us along with the original money order and copy of the purchaser's receipt.  This may be easier to cash than one that was made payable to someone else.  We normally suggest that the customer have the check ****** contact our office to verify that the money order is valid and many times this validation allows them to cash the money order.  However, we cannot "make" someone cash one of our money orders.  We do not have a large number of agents in **, so it is possible that the check ****** she went to had not seen one of our money orders in the past. It is also common for a check ****** to only accept the type of money orders that they sell.  ******************** was under the impression that MEMO is a bank and voiced that she was going to drive to our office to get her money order cashed.  We are not a bank or a financial institution, and we do not have the ability to cash money orders or checks, so this is not an option.  

  If ******************** would like to move forward with the replacement process, we are happy to accommodate her in the same fashion as we do for all of our customers. We would need her mailing address if she would like us to mail the Money Order Request Form to her.  

  Please feel free to reach out with any further questions or if any further explanation is needed.

  Sincerely,

  *********************, Business Operations Director

  *****************

• Initial Complaint

  Date:06/11/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On05/27/2024 2 money orders were purchased at *************************************** store in *********************, 1st for $500, and 2nd for $280. I then sent them to my chase bank. The money order #s are as follows:$500- #********* $280- #********* I paid cash for both. As of 06/11/2024 I started making inquiries with my bank about $ not hitting my account. I then spoke to memoco who stated my money orders were cashed but couldn't tell me who cashed them, until I sent them $25 per money order to receive paperwork as to whom cashed my money orders or where. $780 is already a large lump to be outted. Ifeel like in missing money cases like this, no fees should be included in finding a customers tender. Seeing as Noone should be able to cash it unless thier name is on it. It would be nice to know our tender is in safer hands.

  Business Response

  Date: 06/12/2024

  I have reviewed the complaint filed by **************.  Per the Money Order Request Form that ************** submitted and signed, there are fees involved to replace or to provide a copy if cleared, of a missing money order. These fees are necessary to cover the bank fees as well as the cost to provide this service.  This is a standard fee across the industry. In most cases, the money orders have been cashed by the intended payee and posted to the incorrect account.  If the account number and customer name and address were written on the money order prior to sending it, there should be no reason that the payee should have a problem posting to the correct account.  If this information was not written on the money order, this could prevent the payee from posting the payment correctly.   ************** may be able to recover the cost of the photocopies from the payee if they made an error and the money orders were credited to the incorrect account. 

  I hope this explains the need for the fees and a possible solution that would allow ************** to recover these fees from the payee.  If there should be any further questions or concerns, I can be reached at ***************** or ************. 

  Sincerely,

  *********************, Business Operations Director

  MEMO Financial Services, Inc.

• Initial Complaint

  Date:02/13/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased a international money order from a supermarket down the road thinking money orders are safe and secure like it says on their website. I sent it to my car insurance company. After 3 weeks, they said they still have not received it. I found an 800 number on the money order receipt there was an 800 number and i called it to see where my money order was. They said to me that the number on the money order was wrong. They then said pay $25 and we will get you a copy of your money order. They sent me a money order that wasn't mine. I spoke with an ****** there whole said the number on the money order you purchased is wrong. We will send you a full refund. I received a refund for the amount of the money order I purchased but not the $25. I called and they said I have to pay that $25 for a fee for them to send me the money order I already purchased and paid a fee for. It's not my fault the numbers were wrong. I shouldn't have to pay for nothing. In my opinion they are advertising fraud saying their money orders are safe when obviously they are not. I paid $26 and some cents for a money order thinking that should of cost $.80 that I already paid. Now the company is saying yes they were gonna refund the $25 but they took it and applied it to a fee to send me a refund of my money order. I never agreed for them to use the $25 out of my bank account to use to apply a fee to sending me a money order I already purchased and paid the fee for it when they screwed up the numbers on the money order

  Business Response

  Date: 02/14/2023

  ************** contacted MEMO when the money order she purchased and mailed was not received by the recipient.  When this occurs, one of two things can happen.  Either the money order is lost in the mail, and not cashed, or the money order has been cashed and the recipient didn't apply it to the purchaser's account.  In both of these cases, there is a $25.00 fee required to resolve the situation.  When *** ***** contacted us, our records indicated that her money order had been cashed, so the procedure was followed to provide a photocopy of the cashed money order.  When the copy was retrieved, it was found that a keying error had occurred at the bank when the money order was deposited, and the wrong serial number had transmitted to MEMO, so the money order that *** ***** had purchased had not actually been cashed.  When this was discovered, *** ***** was instructed to complete a Money Order Request Form, which allows MEMO to place a stop payment on the lost money order and issue a replacement money order to her. ****** informed *** ***** that because she had already paid the $25.00 fee for the photocopy, there would be no further fee charged for the replacement money order, and that the full amount of her money order would be replaced to her. She did not tell her that the $25.00 fee she had submitted would be refunded. The form that *** ***** completed and signed, clearly indicated the fee.  This was an unusual situation that was a bit confusing because of the error made at the bank when the money order was deposited.  ****** did try to explain this to *** *****, and she offered my phone number to call if there were any further questions, but I did not receive a call from her.  There is no further refund due to *** *****, as she did request a stop payment and replacement money order, and her request was processed.

  I would be happy to discuss this further with ************** if there are any further questions after this explanation.  I can be reached at ************.

  Sincerely,

  *********************, Business Operations Director

  MEMO Financial Service, Inc.

  ***************************

• Initial Complaint

  Date:11/21/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Purchased money in July 2022 from Memo international for an incarcerated Uncle. Unfortunately my uncle was released before receipt of the money. After several weeks the money order was returned to me and I then contacted Memo International requesting a refund. Paperwork was mailed to me. I contacted Memo international and a representative assured me that a replacement was in the mail Here it is October 21 2022 and still no refund. Everytime I contact them they always say there's nothing no one can do and want me to continue ********* paperwork. I simply want my refund

  Business Response

  Date: 11/21/2022

  MEMO Received **************** request to replace his money order to him on 10/06/2022 and a new money order was mailed to him on 10/07/2022.  He called to check on his replacement money order on 10/24 and 10/31/22 and was advised that the replacement money order was mailed to him, at which time he stated that he would wait a little longer to see if he would receive it.  Then he called twice on 11/07/22 and was very unhappy.  His address was verified to assure it was sent to the correct address.  He verified his address and we offered to provide him with a lost replacement form so that we could print a 2nd replacement money order to mail out to him.  ************ yelled at, and then hung up on the first representative who spoke with him.  He then called back in, at which time he was yelling at the next representative he spoke with and demanded that we give him his money.  The 2nd representative again verified his address and explained that we need his consent to stop the first replacement money order and issue a new one to him.  He refused to fill out the form and hung up again.  Our representative mailed the form to the address we have on file in hopes that he will fill it out and return it to MEMO so we can issue a new replacement and resolve this matter.  As of today, 11/21/22, we have not received the completed form from *************  We are unable to stop payment on the money order we sent that is apparently lost in the mail without **************** consent and signature and will be happy to take care of this as soon as he completes the required paperwork.  If there are any further questions, I can be reached at ************, or **********************.

  Sincerely,

  Terry S********, Business Operations Director

  ***************************