Roseville Unclaimed Property Search

Roseville residents have access to free unclaimed money searches through the State Controller's Office, Placer County, and the City of Roseville. The state holds billions in lost property that businesses turned over after losing contact with owners. This includes bank accounts, stocks, insurance refunds, and uncashed paychecks. Placer County maintains records of tax refunds and excess auction proceeds. The City of Roseville publishes its own list of unclaimed funds. All these resources are free to search and let you file claims directly without hiring anyone. There is no deadline to claim property once it reaches the state database.

California State Controller Search

Start your unclaimed money search at ucpi.sco.ca.gov where the State Controller keeps all property turned over by banks, employers, insurers, and other businesses. Type your name or business name to search. Results show the property type, who reported it, and when it was sent to the state. You can see an estimated value for most items.

There is no fee to search or claim. There is no time limit once property reaches the state. If you lived in Roseville when a business lost contact with you, your funds may be listed under this city. The state holds your property until you file a claim.

Common property types include bank accounts, stock dividends, mutual fund shares, uncashed payroll checks, insurance policy proceeds, utility deposits, and safe deposit box contents. Most property escheats after three years with no owner contact. Wages and salaries escheat after one year. Money orders need seven years. Travelers checks require fifteen years before going to the state.

Search not just your current name but also former names from marriage or divorce. Search for deceased relatives because heirs can claim property. Business owners should search their company name and any DBA names used in Roseville. The database goes back many years, so you might find property you forgot about or never knew existed.

City of Roseville Unclaimed Funds

The City of Roseville maintains its own unclaimed property program. Visit roseville.ca.us to check for funds the city holds. You can also email UnclaimedProperty@roseville.ca.us with questions about city unclaimed money.

City unclaimed funds come from uncashed checks, refunds, deposits, and overpayments. If you paid fees to the city and got a refund you never cashed, it shows up on this list. Security deposits that were not picked up also appear. Vendor checks that were never cashed end up in the city's holding fund. Government Code Section 50050 requires cities to hold these funds for three years and publish notice before escheating them.

The city program works separately from the state program. Check both if you did business with Roseville or paid city fees in past years. You might have a refund or deposit waiting. Contact the city finance department directly if you find your name on their unclaimed property list.

Placer County Unclaimed Money

Roseville is in Placer County. The county treasurer maintains unclaimed funds separate from the state. Visit placer.ca.gov to search the county's list. Call 530-889-4136 with questions about county unclaimed property.

Placer County holds money from property tax refunds, estates without heirs, and tax sale excess proceeds. When the county sells tax-defaulted property for more than what is owed, the surplus goes into a fund. Former owners or people with legal interests can claim these proceeds. The county must publish notice and hold funds for three years under Government Code Section 50050. If no one claims the money, it escheats to the county general fund.

Always check both county and state databases when searching for unclaimed money in Roseville. Some funds go to the county while others go to the state depending on where they came from. Property tax refunds stay with the county. Unclaimed wages from private employers go to the state. Knowing which agency holds your funds helps you file the right claim.

Filing Claims from Roseville

When you find property in the state database, go to sco.ca.gov to file a claim. Search for your property and select it from the results. The website tells you if you can file online or need to mail paperwork. Many simple claims qualify for online filing.

For mailed claims, download the Claim Affirmation Form from your search results. Fill it out completely and sign it. Send proof of identity like a copy of your driver's license. Include proof you owned the property or have the right to claim it. Get your signature notarized if the claim is $1,000 or more. All securities and safe deposit box claims need notarization regardless of value.

Documents commonly needed:

• Government-issued photo ID
• Social Security card or proof of SSN
• Proof of address when property was lost
• Death certificate for deceased owner claims
• Probate documents for estate claims
• Marriage or divorce papers for name changes

Mail completed claims to Chief, Unclaimed Property Division, P.O. Box 942850, Sacramento, CA 94250-5873. Simple cash claims process in 30 to 60 days. Complex claims with heirs take up to 180 days. Security claims usually process within 120 days. Visit the public counter at 10600 White Rock Road, Suite 141, Rancho Cordova for help. Call 1-800-992-4647 with questions.

Note: You do not need to hire anyone to file a claim from Roseville.

Public Employee Retirement Searches

Roseville residents who worked in public service should check CalPERS and CalSTRS for unclaimed retirement benefits. These systems maintain separate databases from the State Controller. CalPERS covers most public employees. CalSTRS covers teachers and school staff.

Search CalPERS unclaimed property at calpers.ca.gov. If you find a match, call 888-225-7377 to get a claim form. Hours are Monday through Friday, 8:00 a.m. to 5:00 p.m. You can also write to CalPERS Member Account Management Division, P.O. Box 942704, Sacramento, CA 94229-2704.

CalSTRS handles teacher retirement accounts. Visit calstrs.com for information. Call 800-228-5453 or 916-414-1099 with questions. Teachers who left education without claiming their contributions often have unclaimed CalSTRS funds. If you taught in Roseville schools and left before retirement, check CalSTRS.

Unclaimed retirement accounts happen when public employees change careers and forget to withdraw their contributions. Survivor benefits also go unclaimed when family members do not know about them. Search both systems if you or a relative worked in public service.

Life Insurance Policy Locator

Life insurance is a major source of unclaimed money. The National Association of Insurance Commissioners runs a free policy locator at eapps.naic.org. Enter information about a deceased person to see if any company has a policy. This service checks nationwide.

California requires insurers to search the Social Security Death Master File for deceased policyholders. Insurance Code Section 10509.940 through 946 sets these rules. If an insurer cannot find the beneficiary, they turn benefits over to the State Controller. Call the California Department of Insurance at 1-800-927-4357 for help finding a lost policy.

Many Roseville families discover life insurance years after a death. The deceased may have had a small work policy that family forgot about. Policies purchased long ago get lost in moves or estate settlement. Always search both the state unclaimed property database and the NAIC locator if a relative died and might have had coverage.

Unclaimed Tax Refund Claims

The Franchise Tax Board holds unclaimed state income tax refunds. Refund checks expire after six months. After that, you must request a new check. For refunds one to three years old, send a letter to the Franchise Tax Board with your name, tax year, and "Old refund check" in the subject line. Processing takes about eight weeks.

Refunds over three years old need a Replacement Warrant Claim form. Use Form 3900A for individuals or Form 3900B for businesses. This takes up to 18 months. Call 800-852-5711 with questions. Very old refunds transfer to the State Controller and appear in the main unclaimed property database.

Uncashed refunds happen when people move from Roseville without updating their address. The check goes to an old address and gets returned. Some taxpayers do not know they are owed a refund. Others cash their main refund but miss a small supplemental check. Check both the Franchise Tax Board and the State Controller if you think you have an old refund.

Unclaimed Property Law in California

California unclaimed property law begins at Code of Civil Procedure Section 1500. CCP Section 1501 defines owner, holder, and apparent owner. These terms apply to all unclaimed property in Roseville and statewide.

CCP Section 1513 sets dormancy periods. Bank deposits escheat after three years. Wages escheat after one year. Money orders take seven years. Travelers checks take fifteen years. CCP Section 1530 requires holders to file annual reports with the State Controller.

CCP Section 1540 covers claim procedures. The Controller must decide claims within 180 days. No interest is paid. CCP Section 1576 sets penalties. Willful violations are a misdemeanor. Late delivery triggers 12 percent interest.

Government Code Section 50050 through 50057 governs local agency unclaimed money. This is why Roseville and Placer County have their own programs separate from the state.