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Unclaimed Property by a Private Investigator
The Unclaimed Property Page
Money that belongs to you might be sitting in a state unclaimed property office, just waiting for you to claim it. A Background Check can be conducted to reveal Unclaimed property in your name. State escheators currently hold several billion dollars of "lost money" belonging to millions of people. Advanced Investigations Can help you find out - whether there is unclaimed property belonging to you, and how to claim that property.
How Property Becomes Lost
Most unclaimed property becomes abandoned as a result of a change of address (the owner moved), a name change (the owner got married or divorced), or death of the owner (the estate was unaware of the money or the heirs could not be located). Sometimes the owner knows about the asset, but is unaware that it has been decleared abandoned and turned over to the state.
For example, here are a few of the most common scenarios in which you could "misplace" your money and not even know about it:
Perhaps you moved and forgot to claim your security deposit.
Perhaps the utility company owed you a refund check or a refund of your deposit, and you forgot to inform them of your new address.
Perhaps the dividend checks from your stock or mutual fund have been going to the wrong address.
Perhaps you moved your money to a new bank, but forgot about an account or safe deposit box you left with the old bank. Or maybe you left a little money in the checking account to be safe, and forgot about it.
Perhaps you have a certificate of deposit with a bank that has seen no activity for five years. If you let it roll over and ignore the bank's mail, it could be declared abandoned.
Perhaps a long lost relative died without a will, and its taken years for the courts to settle the estate.
Perhaps a relative died and the insurance company took a while to send the check for the proceeds of the life insurance policy. Or the life insurance company may have undergone demutualization and was unable to find a current address for the policyholder.
Perhaps you simply forgot about some money owed you.
To prevent your property from getting lost, you should keep an up-to-date list of all your family's assets, including bank accounts, certificates of deposit, mortgage escrow accounts, retirement accounts (IRA, Keogh, and 401(k)), layaways, stocks, bonds, mutual funds, life insurance policies, security deposits, and safe deposit boxes. If you change your name or address, write to the address associated with each asset to notify them of the change. Likewise, if you regularly receive insurance benefits or dividends, and the checks stop coming, promptly notify the company of the problem.
What is Unclaimed Property?
Unclaimed property can include:
Dormant Savings and Checking Accounts and Certificates of Deposit
Safe Deposit Box Contents
Uncashed Money Orders, Cashiers Checks, and Travelers Checks
Uncashed Payroll Checks
Unused Gift Certificates
Oil and Gas Royalty Payments
Uncashed Stock and Mutual Fund Dividends
Stock Certificates
Mineral Royalty Payments
Unclaimed Security Deposits
Utility Deposits
Customer Deposits, Overpayments, Credit Balances, and Refunds
Court Deposits
Insurance Payments
Probate Court Judgments
Property Overlooked in the Probate of an Estate
Paid Up Life Insurance Policies
Uncashed Death Benefit Checks and Life Insurance Proceeds
Health and Accident Insurance Payments
HUD/FHA Refunds
What Happens To Unclaimed Property?
Every state has unclaimed property laws which declare money, property, and other assets to be abandoned after a period of inactivity of three to five years. During this abandonment period landlords, banks, utilities, hospitals, brokerage firms, mutual funds, insurance companies, and other organizations are required to try to return the valuables to their rightful owners. If they are unsuccessful, they then turn the property over to the state's abandoned-property division or unclaimed property office.
According to a US Supreme Court decision (Texas vs. New Jersey, 379 US 674, 1965), the unclaimed property is returned to the state of the property owner's last known address. If no address is known, it is returned to the state in which the business holding the funds is incorporated.
The unclaimed property office then tries to find the rightful owners, by placing advertisements in newspapers and trying to trace the owners. Unfortunately, many states only advertise the new additions to their files.
There is no time limit on claiming your property. Abandoned property has been reunited with its rightful owners 30, 40, and even 50 years after it was turned over to the state. Some states have unclaimed property dating to the late 1800s. (A few states have started setting time limits, but in most cases a tracer that talks about statute of limitations is trying to create a false sense of urgency.)
If the owner of the property is deceased, the relatives can file for the unclaimed property.
Finding Out About Your Lost Money
So how can you find out if there's money waiting for you? Very simply. If you think there might be unclaimed property that belongs to you, call Us at 1-877-999-7715 or email at
It is a good idea to check every five years, even if you are certain that you haven't lost any property!
A comprehensive Background check can reveal unclaimed property and will state any names assoiated with your name (including your maiden or former names), Social Security number, current address, and all previous addresses where you lived while in the state. The Goverment will want the same information about any other individual for whom you're the legal beneficiary.
The omprehensive Background check will use your information to check the database. If there's a match, Advaned Investigations will send you a form to fill out. You'll have to provide proof
that you are who you say you are (a photocopy of your driver's license will do),
that you resided at the address you provided (a bill showing your name at the address or a copy of your tax return showing the address), and
that the money is yours (a pay stub, bank book, utility bill, or similar documentation of a connection between you and the money).
If money is in someone else's name, you will also have to supply proof that you're the beneficiary, such as a copy of the deceased's will.
Once you submit the claim form, it should take about two months for you to get the check.
Even if you don't find any money, you should continue to check yourself with a comprehensive Background check which will reveal unclaimed property every few years. Sometimes the money takes a while before it is turned over to the unclaimed property office.
Federal Unclaimed Property Offices
If you had an old FHA mortgage paid off before November 5, 1990, you may be due a refund. For more information, call the FHA Support Service Center at 1-800-697-6967, see the HUD Get A Refund search engine on the HUD site, or write to HUD, Distributive Shares Branch, PO Box 23699, Washington, DC 20026. Questions about refunds may be emailed to .
The Pension Benefit Guaranty Corporation maintains a list of 12,000 people who are owed approximately $27 million in unclaimed pension benefits. The PBGC database can be searched by name, company name, or state. Use the Pension Search box.
If you forgot about a bank account, try calling your state banking commission. If the bank account was at a bank or savings & loan that went out of business, try calling the Federal Deposit Insurance Corporation's (FDIC) Division of Resolutions and Receiverships (DRR) at 1-888-206-4662. They can help you track down the current location of your bank accounts and reunite you with your funds.
You can also search for bank accounts (including IRAs) with failed banks on the FDIC web site. The search tool is very sensitive to how you spelled your name in the account title, so try your name in several variations (i.e., with and without the middle name or middle initial, with and without a period after the middle initial, etc.).
If you have an unclaimed income tax refund, contact the IRS for information on how to obtain the refund.
If you know that a Federal agency has money belonging to you, but need the phone number for the agency, try calling the Federal Information Center. They can direct you to the appropriate Federal office.
US Savings Bonds
After US Savings Bonds have reached their maturity dates, they stop earning interest. You should cash them in at that time.
If you have lost your US Savings Bonds, you can file a claim to have them replaced using Form PD F 1048. It helps if you kept a record of the bond serial number, issue date, registration, and the social security number of the bond owner. But the Bureau of Public Debt may be able to trace the bonds even without the serial numbers. For more information, send email to .
Life Insurance Company Demutualization
Several of the nation's largest life insurance companies started as mutual life insurance companies, which are owned by the policyholders. When these companies converted to publicly traded firms through a process called demutualization, shares of stock were issued to the policyholders in exchange for their ownership interest. If the current address of the policyholder was unknown, the shares of stock and any dividends are held in trust. Millions of policyholders and their heirs may be entitled to these funds.
The largest life insurance companies that have demutualized include the following firms:
American Mutual Life - AmerUS
Anthem Insurance
Central Life Assurance
Equitable - Axa
General American Life
Indianapolis Life
John Hancock Mutual Life
Manufacturers Life - Manulife
Metropolitan Life - MetLife
Mutual of New York - MONY
Mutual Service Life
Nationwide Life
Northwestern - ReliaStar
Phoenix Home Life
Principal Mutual Life
Provident Mutual Life
Prudential Life
Standard Insurance
State Mutual - Allmerica
Sun Life
Sun Life - Clarica
Union Mutual - UNUM
A more comprehensive list of more than 75 life insurance companies that have demutualized is maintained by Glenn Daily, a fee-only insurance consultant.
If you believe you may be owed money or shares from the proceeds of the demutualization, contact the insurance company directly. If the demutualization occured more than five years ago, usually you will then be referred to the state unclaimed property office.
State Unclaimed Property Offices
A list of the state unclaimed property offices follows. If an unclaimed property office maintains a web site, the name of the state is linked to the web site.
In addition, there is now a free national database that combines the state databases. This site, called Missing Money, is sponsored by Checkfree.
ALABAMA State Treasury Unclaimed Property Division PO Box 302520 Montgomery, AL 36130-2520 1-334-242-9614
ALASKA Department of Revenue Unclaimed Property Unit 1111 W. Eight Street, Room 106 (99801) PO Box 110420 Juneau, AK 99811-0420 1-907-465-4653 Includes a searchable interface to the name database.
ARIZONA Department of Revenue Unclaimed Property Unit 1600 West Monroe PO Box 29026 Phoenix, AZ 85038-9026 1-602-542-4643
ARKANSAS Auditor of State Unclaimed Property Division 1400 West 3rd Street, Suite 100 Little Rock, AR 72201-1811 1-501-324-9670
CALIFORNIA Division of Collections Bureau of Unclaimed Property PO Box 942850 Sacramento, CA 94250-5873 1-916-445-8318 1-800-992-4647 (in CA)
COLORADO Unclaimed Property Division 1560 Broadway, Suite 1225 Denver, CO 80202 1-303-894-2443 Includes a searchable interface to the name database.
CONNECTICUT Unclaimed Property Division Department of Treasury 55 Elm Street Hartford, CT 06106 1-860-566-5516 Includes a searchable interface to the name database.
DELAWARE Bureau of Abandoned Property PO Box 8931 Wilmington, DE 19899 1-302-577-3349
DISTRICT OF COLUMBIA Office of Finance & Treasury Unclaimed Property Unit 810 1st Street NE, Room 401 Washington, DC 20004 1-202-727-0063
FLORIDA (alternate link) Department of Banking & Finance Bureau of Unclaimed Property 101 E. Gaines Street, Fletcher Building Tallahassee, FL 32399-0350 1-904-487-0510 or 1-904-488-0357 1-800-848-3792 (Comptroller's Hotline) 1-888-258-2253 (Unclaimed Property Office, FL only) Includes a searchable interface to the name database.
GEORGIA Dept of Revenue Property Tax Division Unclaimed Property 270 Washington Street, SW, Room 404 Atlanta, GA 30334 1-404-656-4244
HAWAII Unclaimed Property Section PO Box 150 Honolulu, HI 96810-0150 1-808-586-1589
IDAHO Unclaimed Property Division PO Box 36 Boise, ID 83722-2240 1-208-334-7623
ILLINOIS State Treasurer's Office Unclaimed Property Division P.O. Box 19495 Springfield, IL 62794-9495 Phone: 1-217-782-6692 See also www.cashdash.net
INDIANA Attorney General's Office Unclaimed Property Division 402 West Washington, Suite C-531 Indianapolis, IN 46204 1-317-232-6348 1-800-447-5598 Includes a searchable interface to the name database.
KANSAS (old link) Unclaimed Property Division 900 Jackson, Suite 201 Topeka, KS 66612-1235 1-913-296-4165 or 1-800-432-0386 Includes a searchable interface to the name database.
KENTUCKY Unclaimed Property Branch Kentucky State Treasury Department Suite 183, Capitol Annex Frankfort, KY 40601 1-502-564-4722/6142 Includes a searchable interface to the name database. See also Kentucky's Hidden Treasures.
LOUISIANA Louisiana Dept of Revenue & Taxation Unclaimed Property Section PO Box 91010 Baton Rouge, LA 70821-9010 1-504-925-7407/7425 Includes a searchable interface to the name database.
MAINE Treasury Department Abandoned Property Division 39 State House Station Augusta, ME 04333-0039 1-207-287-6668/2771
MICHIGAN Unclaimed Property Division Michigan Department of Treasury P.O. Box 30756 Lansing, MI 48909 1-517-636-5320
MINNESOTA Minnesota Commerce Department Unclaimed Property Section 133 East 7th Street St. Paul, MN 55101 1-612-296-2568 1-800-925-5668
MISSISSIPPI Unclaimed Property Division PO Box 138 Jackson, MS 39205-0138 1-601-359-3600
MISSOURI (alternate link) Missouri State Treasurer Unclaimed Property Division PO Box 1272 Jefferson City, MO 65102-1272 1-573-751-0840/0123
MONTANA Unclaimed Property Division Department of Revenue Mitchell Building Helena, MT 59620 1-406-444-2425
NEBRASKA (alternate link) Unclaimed Property Division PO Box 94788 Lincoln, NE 68509 1-402-471-2455
NEVADA (alternate link) Department of Business & Industry Unclaimed Property Division 2501 East Sahara Avenue, Suite 304 Las Vegas, NV 89104 1-702-486-4140 1-800-521-0019
NEW HAMPSHIRE Abandoned Property Division Treasury Department 25 Capitol Street - Room 205 Concord, NH 03301 1-603-271-2649
NEW JERSEY (see also) Department of the Treasury Property Administration CN 214 Trenton, NJ 08646 1-609-984-8234
NEW MEXICO Department of Revenue & Taxation Special Tax Programs & Services PO Box 25123 Santa Fe, NM 87504-5123 1-505-827-0767 1-505-827-0769
NEW YORK Office of Unclaimed Funds Alfred E. Smith Building, 9th Floor Albany, NY 12236 1-518-474-4038 1-800-221-9311
NORTH CAROLINA Department of State Treasurer Escheat & Unclaimed Property 325 North Salisbury Street Raleigh, NC 27603-1385 1-919-733-6876
NORTH DAKOTA Unclaimed Property Division State Land Department PO Box 5523 Bismarck, ND 58506-5523 1-701-328-2805 1-701-224-2805
OHIO Division of Unclaimed Funds 77 South High Street Columbus, OH 43266-0545 1-614-466-4433 Includes a searchable interface to the name database.
OKLAHOMA Oklahoma Tax Commission Unclaimed Property Section 2501 Lincoln Boulevard Oklahoma City, OK 73194-0010 1-405-521-4275/4273
OREGON Unclaimed Property Unit 775 Summer Street, NE Salem, OR 97310 1-503-378-3805 x283
PENNSYLVANIA Pennsylvania State Treasury Office of Unclaimed Property PO Box 1837 Harrisburg, PA 17105-1837 1-800-222-2046 Claims inquiries 1-800-379-3999 Reporting questions and Instructions Email: Includes a search interface to the name database.
RHODE ISLAND Unclaimed Property Division PO Box 1435 Providence, RI 02901-1435 1-401-277-6505 Includes a copy of the money list.
SOUTH CAROLINA Office of the State Treasurer Unclaimed Property Division PO Box 11778 Columbia, SC 29211-1778 1-803-737-4771
SOUTH DAKOTA Unclaimed Property Division 500 East Capitol Avenue Pierre, SD 57501 1-605-773-3378
TENNESSEE Unclaimed Property Division Andrew Jackson Building, 9th Floor Nashville, TN 37243-0242 1-615-741-6499
TEXAS Unclaimed Property Division Texas State Comptroller's Office Box 12019 Austin, TX 78711-2019 1-512-463-6060 1-800-654-3463 (in Texas)
UTAH State Treasurer s Office Unclaimed Property Division 341 South Main Street, 5th Floor Salt Lake City, UT 84111 1-801-533-4101
VERMONT Abandoned Property Division State Treasurer s Office 133 State Street Montepelier, VT 05633-6200 1-802-828-2301 1-800-642-3191 Includes a searchable interface to the name database.
VIRGINIA (direct link and press release) Division of Unclaimed Property Department of Treasury PO Box 2478 Richmond, VA 23218 1-804-225-2393
WASHINGTON Unclaimed Property Section Department of Revenue 1101 S. Eastside Street PO Box 448 Olympia, WA 98507 1-360-586-2736 or 1-800-435-2429 Includes a searchable interface to the name database.
WEST VIRGINIA Unclaimed Property Division Office of State Treasurer Capitol Complex Charleston, WV 25305 1-800-422-7498 Includes a searchable interface to the unclaimed property files.
WISCONSIN Unclaimed Property Division State Treasurer s Office PO Box 2114 Madison, WI 53701-2114 1-608-267-7977 Includes a searchable interface to the name database.
WYOMING Unclaimed Property Division State Treasurer s Office 1st Floor West, Herschler Building 122 West 25th Street Cheyenne, WY 82002 1-307-777-5590 Includes a searchable interface to the name database.
Unclaimed Baggage Center Ever wonder what happens to your bags when they are lost by the airline? They eventually wind up here for purchase by intrepid treasure hunters!
You've probably heard about government auctions, where you can buy government seized vehicles and boats for "pennies on the dollar" and other outrageous claims. The automobiles actually sell for closer to the price of a used-car (and are often bought by used car dealers). If you're interested in such government auctions, the U.S. General Services Administration publishes a guide to Federal Government Sales that provides detailed information about all federal government auctions. The guide is available from the US Government Printing Office (Washington, DC 20402, call 1-202-512-1800) for $1.75, or you can read it for free on the GSA's US Consumer Information Center.
For information about U.S. General Services Administration auctions, call 1-703-305-7814 or visit http://www.gsa.gov/.
For information about Treasury Department Auctions, call the Public Auction Line at 1-703-273-7373 or visit the Treasury Department's Auction Information Page.
Other useful resources include:
Guide to Federal Government Sales. How to buy land, houses, cars, and other items from 18 federal sales programs, including seize and unclaimed property.
National List of Authorized Sellers of Forfeited Property. The government sell real estate, motor vehhicles, boats, jewelry, art, antiques, and more that have been forfeited under Federal law. This booklet contains a list by state where items are sold and phone numbers for more information.
U.S. Real Property Sales List. Lists government real estate properties for sale that are sold by auction or sealed bid. Tells how to get more information on specific properties. Specific properties are listed in the US Real Property Sales List. You can obtain a printed copy for free by calling 1-800-472-1313. You can also access it by modem at the Federal Real Estate Bulletin Board by having your computer dial 1-800-776-7872 or 1-202-501-6510.
Are There Any Public Lands for Sale? Describes the federal program to sell excess undeveloped public land and why there is no more available for homesteading.
For information on sales by the U.S. Customs Service, call 1-703-351-7887 or write to EG&G Dynatrend, Inc., US Customs Service Support Division, 2300 Clarendon Blvd., Suite 705, Arlington, VA 22201.
The FDIC sells the assets of failed banks (mostly real estate). For more information, call 1-800-873-7785.
BBB Alerts
The Better Business Bureau (BBB) issued an alert on March 21, 1997, about email messages which asked the consumer to call a number in the 809 area code to get information about unclaimed money.
The BBB has also issued an alert about National Assets Recovery, a company that sent post cards to consumers nationwide asking for $14.98 for information on how to find their unclaimed money.
The National Association of Unclaimed Property Administrators (NAPUA) is a professional association for state unclaimed property administrators. They are working on developing a national unclaimed property database, which will be available for free on the web.
The Unclaimed Property Holders Liaison Council is an association of corporate unclaimed property holders. UPHLC focuses on simplifying reporting requirements and legislative issues.
Tracers on the Web
Here's a list of tracers with web pages. Some of these tracers provide a free teaser online, which tells you whether there's money listed under your name, but they do not tell you any of the details.
Please note that I do not have a financial interest in these companies, nor am I otherwise affiliated with them. I am not responsible for the content of their web pages. I neither recommend nor endorse (nor disrecommend) the use of these firms. Caveat emptor. The sole criterion for listing them is the fact that they are tracers with web pages.
In addition to the above organizations, NUPA - Unclaimed Assets sells a 192-page book about unclaimed assets for $20. Orders may be placed over the phone at 1-800-247-6553 or online. Their web site also includes a variety of useful information.
Resources for Holders of Abandoned Property
This section lists resources for holders of abandoned property, such as tools and services for fulfilling reporting requirements.
Place this on myspace.com/advancedinvestigations
JEREMY DUDA - Daily Herald If it sounds too good to be true it probably is. But if it sounds too bad to be true, people should also be wary.
Orem police warned people on Wednesday of a recent scam going around in which potential victims receive an e-mail from a person who claims to have been hired to kill them. For a fee, however, the contract killer could be persuaded not to go through with the job. "I understand that that can be disconcerting to anyone that receives it," said Orem police Lt. Doug Edwards. Edwards said the e-mails are scams designed to bilk people out of money. He advises anyone who receives such a message to simply delete it. There's little or nothing that can be done to prevent scam e-mails from popping up in your inbox, he said, but people can choose to ignore them. E-mail scams are nothing new, and Edwards said Orem police have gotten reports of so many different types that it's hard to keep track of them all. Many are variations of the classic "Nigerian scam," so named because senders claim to have access to an illicitly gained fortune in Nigeria or another country. The senders claim to need a bank account number or money from someone outside the country so they can safely transfer the funds, and promise a cut of the money in exchange for help. Another common e-mail scam involves foreign lotteries. Edwards said he recently talked to a man who said he sent $12,000-$15,000 to a person who claimed to a need a deposit to free up a larger sum of money. "Maybe they've changed their tactics a little bit, but the Nigerian thing has been going on for a long time," Edwards said. "Notwithstanding all the stories and all the warnings that have come out, there's still some who are either unaware or think that maybe this couldn't happen to them." According to www.snopes.com, a Web site that tracks e-mail scams and other urban legends, rumors and hoaxes, the hit man scam originated in Russia in December 2006. The FBI issued a warning about the contract killer scam on its Web site that same month. The messages are often littered with misspellings and grammatical errors, including the one forwarded to Orem police. Anyone who receives a scam e-mail can report it to the Internet Crime Complaint Center at www.ic3.gov. IC3 is a partnership between the FBI and the National White Collar Crime Center. Jeremy Duda can be reached at 344-2561 or
Michael Joseph 1-877-999-7715 Office 407-999-7715 Direct www.911Detective.com
This information here is privileged and is intended for the person, corporation or organization. Misuse can be punishable by Federal and State Laws.
