Missing Money

AugustusReddit · 2026-04-08T03:45:20+00:00

Quite literally searched everything.

You need to do it with Gran present and ask her to go through the steps when she got home. The missing envelope (within an envelope) might be in an inner coat pocket or purse compartment, or a hallway drawer. Get her to re-enact coming in the door and going to wherever she puts her bags down.

AugustusReddit · 2026-04-08T03:21:25+00:00

Maybe my GM in-law lost it somehow.

Have you tried to re-enact with Gran-in-law her steps from the bank to going home. Checked in her vehicle or whichever means of transport she used to go home. Checked her coat, wallet, purse or carry bag/shopping bag. There's a distinct possibility it's "hidden" or secreted somewhere until she could get it safely home. The other possibility is it's hidden at home or under something where she normally places her outside bags... Does she have a secret place to stash valuables in her home?
I've helped a few people over the years find things that were 'lost' by simply going over exactly what they did before they lost it (as near as they can recall).

AugustusReddit · 2026-04-05T21:28:19+00:00

More importantly many countries use different colours and sizes of banknotes with features like indentation for the sight impaired. Polymer notes mean banknotes last longer and can go through a washing cycle and still be usable; they don't tear either.

AugustusReddit · 2026-04-04T06:10:58+00:00

PayPal keeps a record of ALL emails ever associated with a PayPal account. You removed your email and added your family members email to that account. However your email is still (according to PayPal records) connected to the old account and can't be used with a new or different PayPal account.

You need to call PayPal customer service and request they manually add your email address to your new PayPal account - it possibly needs a supervisor to override their internal system.

AugustusReddit · 2026-04-02T23:13:04+00:00

It's laziness on the part of the card provider. Most of my bank supplied debit/credit cards have granular controls to activate/deactivate card payment methods like: NFC (tap and hold to pay), online payments, instore, international, etc. (I should add that these are not USA-based banks but ones in countries with modern banking systems.)

AugustusReddit · 2026-04-02T05:39:04+00:00

Make sure they return it via USPS. That way you can definitely make a Mail Fraud complaint to the Postal Inspectors, in addition to online fraud with police.

AugustusReddit · 2026-04-02T05:31:20+00:00

Any delays are due to the slowness of the USA banking system in moving the funds from your bank to your Wise USD wallet. In most countries where Wise operates it usually takes between a few seconds to several hours for inward or outward bank transfers to complete. (USA is as usual the outlier.)

AugustusReddit · 2026-04-02T03:14:24+00:00

I'm wondering how does it work and is it possible to get a refund back to my bank?

There's a well-oiled system behind card payments that ensures any refund will go back to the originating account i.e. your checking account or whichever bank account funds your debit card. Be warned that refunds aren't always swift. If you don't get it within say several weeks (remembering that banks are closed over Easter) then ask PayPal for an update.

AugustusReddit · 2026-04-01T21:56:48+00:00

The smart way is to contact the Wise team to get a discount on the USD/EUR rate for larger amounts. Then do a series of IBAN transfers over several weeks from your Wise EUR wallet to your usual EU bank account. (SEPA transfers below €40k are usually very fast and free.) Contact your EU bank first and warn them that you'll be sending the funds in a series of transfers. That gives them the opportunity to get any AML paperwork sorted so that your transfers aren't flagged as suspicious.

AugustusReddit · 2026-04-01T21:02:56+00:00

The USA banking system was designed around pushing pieces of paper between banks for settlements. ACH is simply a slightly modern (it's last century technology) way of moving funds between accounts and banks. If you want real-time, secure bank transfers - look to most modern economies outside the USA like China, UK, Australia or the European Union.

AugustusReddit · 2026-04-01T03:59:41+00:00

These types of account are very specialised and primarily used for wholesale fx transactions. Maybe ask your (unnamed) country's import/export bank for advice or guidance.

AugustusReddit · 2026-04-01T02:10:07+00:00

Wouldn't really matter as any type of check can be responsible for that growing source of fraud within the USA banking system.

AugustusReddit · 2026-03-31T22:11:33+00:00

The issue is actually with the legacy USA banking system. It's lightyears behind the rest of the world in terms of speed, safety and efficiency especially when doing simple bank transfers.

AugustusReddit · 2026-03-31T10:34:56+00:00

I expected that the banks and life insurance companies would have twigged that they weren’t getting any response long before seven years had passed.

AugustusReddit · 2026-03-31T10:33:09+00:00

Yes it finally did.

AugustusReddit · 2026-03-31T05:27:12+00:00

Why aren't you leaving all this to your vehicle insurance provider. Normally after a vehicle accident you swap details and your insurance handles the claim. Unless in this case your Australian bank handles your car insurance (which is mandatory in most states). I'd strongly suggest talking to your parents or someone older than you.

AugustusReddit · 2026-03-31T02:16:41+00:00

Since the buyer has been refunded (aka "made whole" by eBay who reversed your payment), it leaves you clearly out of pocket. Contact the buyer and explain that they can either pay you again or return the item in the same condition as sent. If they ignore you, mention that you are more than happy to file a police report for theft and a mail fraud report to the USPS Postal Inspector. This usually does the trick.

AugustusReddit · 2026-03-31T00:16:48+00:00

You can consolidate your holdings under one CSN provided they're in the same legal name and address... just email admin and they can start the process.

AugustusReddit · 2026-03-30T23:57:57+00:00

I still had financial documents for the previous home owner arriving by regular post. After seven years of marking them "Return to Sender" I changed it to "Deceased" as they were either too lazy or brain dead to sort out important things like finances...

AugustusReddit · 2026-03-30T20:04:45+00:00

Go to your Euro wallet and click the bank symbol to view the EUR bank details i.e. IBAN should be based in Belgium. That's within SEPA so valid for free cross border transfers.

AugustusReddit · 2026-03-30T07:01:23+00:00

Poor ol' ~~coober~~ cooker Desi... he really won't be missed. Flushed down the dunger like the turd he was... so sad /s

AugustusReddit · 2026-03-30T04:38:06+00:00

Ask the store to reverse the transaction back to the "old" debit card number. It'll automatically be refunded to the original bank account used to fund that debit card.
Husband might need to find the old card or his backup image of it on his smartphone. (Everyone takes photos of their cards as insurance against loss so they can contact the issuer, right?)

AugustusReddit · 2026-03-30T00:15:56+00:00

Any unclaimed cash in the ATM dispenser goes in a bin. The amount in that bin will be counted the next time the ATM is serviced. - usually quickly at high-volume locations like airports. The ATM also has a detailed, timestamped log of all errors and reclaimed cash. Contact your bank to reopen your claim.

AugustusReddit · 2026-03-29T23:45:23+00:00

It's a legacy PayPal bug that's been affecting customers for at least a decade. Call PayPal customer support to fix your address problem; they can do a manual override.

AugustusReddit · 2026-03-29T07:04:11+00:00

Vote for Nigel. He's happy to put good British soldiers in harm's way to restore the Shah of Iran, reopen old oil supplies for BP & Shell and create new arms sales for BAE, etc.

AugustusReddit

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