CalWORKs EBT card theft - money withdrawn from ATM but still have my card?
I'm freaking out right now. Just checked my balance to buy groceries and found out someone stole $468 from my CalWORKs cash aid! The weird thing is I STILL HAVE MY CARD with me the whole time. The transaction shows an ATM withdrawal from a location I've never been to across town. Has anyone dealt with this before? Do I call BenefitsCal or the EBT customer service number? Will they even believe me since I have my physical card? This was my rent money and now I'm terrified about getting evicted. My worker never picks up the phone when I call the county office.
19 comments

Admin_Masters
This happened to me last November! Someone skimmed my card somehow and took $380 at an ATM I never go to. Call the EBT customer service number (on the back of your card) IMMEDIATELY to report it stolen. They'll cancel the card and send you a new one. Then you need to fill out an EBT-2259 form for cash aid theft - you can find it online or ask your worker for it. I got my money back but it took almost 3 weeks. I was getting nowhere with the regular county line until I used Claimyr (claimyr.com) to actually reach a real person. They have this service where they wait on hold for you and call when someone answers. Saved me hours of frustration and I finally got through to someone who could help. There's a video showing how it works: https://youtu.be/jzISHxCPLwE
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Charlotte White
AuthorThanks for responding! Did they ask you a bunch of questions about how your card got stolen? Like I said I literally have my card in my wallet, so I'm worried they'll think I'm lying or something. I've never heard of card skimming with EBT cards before.
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Matthew Sanchez
thats scard skimming happens all time now. they got devices that copy ur card when u swipe at store or atm. its happened 2 me twice!!
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Charlotte White
AuthorTwice?? OMG that's awful! Did you get your money back both times? I'm so scared they won't believe me.
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Ella Thompson
REPORT IT IMMEDIATELY!!!!!!! They only give you 10 days from when it happens to report or you WON'T get your money back. The county does NOT care if you can't pay your rent. This happened to my sister last month and she had to borrow money from everyone because they investigate for SO LONG before replacing anything. The system is designed to punish us even when we're victims!!!
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JacksonHarris
This is correct about the reporting timeframe, but the information about the system being designed to punish people isn't accurate. The 10-day reporting requirement is to prevent fraud, and while the investigation can take time, CalWORKs does have emergency assistance options if you're at risk of homelessness due to benefit theft. Ask about emergency assistance when you report the theft - they can sometimes issue a partial replacement while investigating.
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Jeremiah Brown
I know exactly what you're going through! First, call the EBT Customer Service line (877-328-9677) right away to report the theft and get your card canceled. Then immediately contact your county office to report the theft and request form EBT-2259 "EBT Cash Benefit Theft Report." Here's what you need to know: 1. You have 90 days from the date of theft to REPORT it 2. The form must be submitted within 90 days of the theft 3. You'll need to provide details about the unauthorized transaction 4. Once approved, replacement benefits can be issued Tips for prevention: - Change your PIN regularly - Cover the keypad when entering your PIN - Check your balance frequently - Don't share your card or PIN with anyone And yes, card skimming with EBT cards is unfortunately becoming common. Thieves install devices on ATMs or POS terminals that capture card information.
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Charlotte White
AuthorThank you for all this info! Wait, I thought someone said I only have 10 days to report it? You're saying it's 90 days? That's a big difference. The transaction happened 3 days ago.
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Royal_GM_Mark
Can u check if ur card has any scratches or weird marks on the magnetic strip? My cousin had her benefits stolen and the investigators said someone probably swapped her card at the store with a fake one that looked identical. They make copies that look EXACTLY the same but have different numbers programmed. Check if the numbers on your card match your last statements.
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Charlotte White
AuthorI just checked and the card looks totally normal. No scratches or anything unusual. I'm pretty sure it's my original card because the last 4 digits match what's on my statements. This is so scary that they can somehow get our money without having the physical card!
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JacksonHarris
To clarify the timeline confusion: You have 90 days to REPORT the theft to the county welfare department, but it's best to report it as soon as possible. The 10-day timeframe mentioned earlier may be referring to the time to report a lost or stolen card, which is different from reporting unauthorized transactions when you still have your card. For EBT cash benefit theft, California regulations (MPP Section 16-705) allow benefit replacement when: 1. The theft was due to electronic misuse 2. You still have possession of your card 3. You didn't give anyone permission to use your card/PIN When you call, be sure to specifically mention "electronic benefit theft" and request the EBT-2259 form. Document everything, including who you spoke with and when.
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Charlotte White
AuthorThank you for explaining! I'll definitely call today and start the process. Do you know how long the investigation usually takes? I'm worried about my rent being due next week.
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Amelia Cartwright
same thing happened 2 my neighbor last month!!! she said they making fake card readers that steal ur info when u swipe. always use atms inside banks now not the ones at stores or gas stations!!!
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Matthew Sanchez
truth! i only use the atm at the welfare office now cuz its safer
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Admin_Masters
@OP - Just checking if you were able to file your report? One more thing I forgot to mention is that when this happened to me, I asked my worker about emergency assistance while waiting for the investigation, and they helped me with a small emergency payment since my rent was due. Don't be afraid to tell them if you're at risk of eviction - there are sometimes emergency funds available specifically for these situations.
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Charlotte White
AuthorI finally got through to someone at the EBT customer service line and reported it. They canceled my card and are sending a new one. I also got the EBT-2259 form and will be dropping it off tomorrow. The worker I spoke with wasn't very helpful about emergency assistance though. She just said I have to wait for the investigation to complete. I might try calling again tomorrow and hope for someone more helpful. Thanks for all your advice!
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Ella Thompson
Has anyone noticed the welfare office acts like we're lying when this happens?? My friend had to call FIVE TIMES before anyone took her seriously about her cash aid being stolen. They kept asking her the same questions over and over like they were trying to catch her in a lie. Meanwhile she couldn't feed her kids!!
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Jeremiah Brown
Unfortunately, this can happen because they have to investigate all claims thoroughly. That said, you should always be treated with respect. If you feel you're being treated unfairly, ask to speak with a supervisor. You can also contact your county's Civil Rights Coordinator or file a state hearing request if you believe your case isn't being handled properly. Document every conversation with dates, times, and names of who you spoke with.
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Zainab Ahmed
I'm so sorry this happened to you! This is becoming way too common. I work at a legal aid clinic and we've been seeing more EBT theft cases lately. A few things that might help: 1. When you file the EBT-2259 form, include a written statement explaining everything - where you were when the theft occurred, that you had your card the whole time, etc. The more detail the better. 2. If you have any receipts from transactions you made around the same time period, bring those to show your card was in your possession. 3. For emergency assistance while waiting - don't just accept "no" from the first person. Ask specifically about "immediate need" payments or emergency aid. Different workers know about different programs. 4. Consider filing a police report too, even if they say there's nothing they can do. Having a police report number can sometimes help with the county investigation. The skimming is real - they're using devices that steal your card info when you swipe, then create duplicate cards. It's not your fault and you're not crazy. Stay persistent with the county office and don't let them make you feel like you're lying. You deserve to have your benefits protected.
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