It's not that this movie is really bad. It just lacks anything to make it good. It's bland.
The story is a fairly standard found-mystery-letter-quest. The search is pretty normal. There are no real surprises start to finish. The only tension comes from a misunderstanding that didn't really make sense on the offender's part to begin with and then was blown up out of proportion. It could have been resolved with a timely "I was wrong", but what effort was made in that regard seemed half-hearted.
Actually, a lot about the characters seemed half-hearted in terms of acting. In terms of effort, Mandy was passionate about her quest, but I didn't really feel that from Nicola Posener. Likewise in her feelings for Jonah. It didn't seem like she ever looked or smiled at him with any passion. Brad Johnson seemed half-hearted about everything. The best actor of the leading three was Renny Grames, and her part as the BFF was definitely secondary.
The dialogue was frequently boring. It was often too mundane and lacked any wit to spice it up.
To me it's sad because the writing in this movie does one thing as well as almost any. I often lament that a movie dilutes the screen time of the two leads in the romance with other people or sub-plots. This movie has them together almost non-stop until the misunderstanding. And the characters make a real effort to get to know each other. Somehow, that didn't translate into chemistry.
Then there are plot holes. A contractor whose business is in trouble spends way too much valuable time running around with a virtual stranger on a wild goose chase. He has no insurance for accidents. He promises to cook Christmas dinner for his parents yet clearly knows less about cooking than anyone on Worst Cooks in America. And his cupboard is empty. Mandy ignores her business equally, but at least her BFF is there to fill in. When searching for records on a very common last name, they find 4 unique results, all of whom are relevant.
And the thing that irritated me the most - if you are going to center a story around a coin, learn something about coin collecting. The first "expert" Mandy consulted used "proof" and "mint" interchangeably. They are entirely different types of coins. No one with any collecting familiarity would do that. Wear on a "proof" coin would reduce the value exponentially and they were tossing that coin around pretty freely. The first thing anyone with any collecting experience would have advised would have been to put the coin in a special protector, even if it had some wear, and probably would have done it himself immediately. But then a key plot point couldn't have happened.