not an easy one,
her uncle could have kept the money, telling her that he never got the money, keeping it for himself. so your g/f is innocent.
he did get the money, but wouldn't give it to her, what can she do ? probably woludn't tell you anyway if he did refuse to give the money (knowing what trouble that could cause)
why didn't she go with him when he went to collect the money, this is what would worry me..
not sure you do need ID, if you know the number and answer to the question, i'm sure they would give you the money..
