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Wow, I can't believe it, but the saga for now seems to be over and it finally worked. I just went to Kroger where they have customer services for Western Union, filled out the paperwork (not very long), turned it in, payed for it in cash, and got my receipt with the MTCN #. I entered that # into my account online and in 10 minutes or less (although they say it could take as long as 60), I was all set and playing.
Like I said before, there was a $15 fee, which is a little steeper than I'd prefer and it's not instantaneous, HOWEVER it is so worth it to me because you don't need a bank account, credit card, or sensitive information like your SSN. You don't have to GUESS if it will work, although make sure you do it in person with a teller, not online, and use cash. The only paper trail is that you sent money to someone, but it's just a person's name and not an organization. The teller didn't ask what the money was being used for or anything like that. It probably took 10 minutes tops to fill out the form, turn it in, process it, and get my receipt.
The only slight snafu to be aware of is that the name they gave me had two last names and they tell you they are not middle names. However, on the form, there is a spot for two types of last names - the paternal last name and the maternal last name. I tried putting both last names under paternal, but had to actually put the first last name under paternal and the second part of the last name under maternal.
I would definitely NOT recommend this method for anything other than a reputable site like Stars, but for someone reputable, I definitely do recommend it.
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