When you are funding your account using moneygram do you go to the location or do you do it through the moneygram website? I have always go to a moneygram location.
It is fairly common for a name (sender or receiver) to get burnt and they cut off that user. Of course you can take the risk of losing the money if uncollectable and send without id in Phil Atio's name as well if you wish to forever.