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I can totally relate to the paranoia about scams - EDD-related fraud is so common these days! But this sounds 100% legitimate based on your description. The fact that it only requested address verification (not personal info like SSN or bank details) and showed your wife's correct benefit year are the key indicators it's real. I got a similar request about 8 months ago, also after my claim was completely finished, and I was convinced it was fake at first. Turns out EDD started doing these random post-payment audits in 2023 as part of their enhanced fraud prevention system. I submitted a lease agreement and like others mentioned, never got any confirmation - just radio silence, which apparently means everything was accepted. You absolutely did the right thing responding quickly with the bank statement. The whole process is confusing and poorly communicated by EDD, but it's become pretty routine now unfortunately.
Thank you so much for this detailed explanation! It really helps to hear from multiple people who've been through the exact same thing. The fact that EDD started these post-payment audits in 2023 explains why this seemed so unusual to us - it's relatively new. I feel much better knowing that radio silence from EDD actually means approval. It's frustrating that they don't communicate this process clearly, but at least now we know what to expect (or not expect) going forward. Really appreciate everyone taking the time to share their experiences here!
I just went through this same exact situation last month! Got the address verification letter about 3 weeks after my benefit year ended and I was totally convinced it was a scam at first. The timing felt so random and suspicious. But after doing some research and talking to others who'd been through it, I learned this is EDD's new normal process - they're doing way more post-payment audits now as part of their fraud prevention efforts that started ramping up in 2023. The dead giveaway that yours is legitimate is that it only asked for address proof, not sensitive info like SSN or banking details that scammers typically want. I submitted a utility bill through their official portal and never heard back, which I later found out means everything was approved. You definitely did the right thing responding quickly with your bank statement - that's perfect documentation for address verification. Don't stress about not getting a confirmation; EDD's system is terrible at communication but silence usually means you're good to go!
I was in a very similar situation last year - scheduled interview for eligibility determination after a hours reduction at my retail job. The waiting was absolutely brutal, especially when you're already struggling financially. From my experience and what I've learned from this community, calling early unfortunately won't help and could potentially create confusion in their system. However, here's what I wish someone had told me during that awful waiting period: apply for emergency food assistance immediately (CalFresh can be approved within days), contact your utility companies about hardship programs, and start documenting EVERYTHING about your job situation now. For your specific case with the restaurant hours cut from 40 to 10, that's typically considered "constructive dismissal" or reduction in work that constitutes good cause for leaving. Make sure you have any texts, emails, or schedules showing the dramatic hour reduction. The interview itself was much shorter and less intimidating than I expected. Hang in there - this community has been a lifesaver for navigating this process!
This is exactly the kind of comprehensive advice I needed to hear! I'm definitely going to apply for CalFresh today - I had no idea it could be approved so quickly. And you're right about documenting everything - I should probably write down all the dates and details about my hour reduction while it's still fresh in my memory. It's reassuring to hear that someone else went through something similar and made it through. Thanks for taking the time to share all these practical tips!
I went through this exact same anxiety last summer when I had my eligibility interview scheduled. The wait feels endless when you're stressed about money, but unfortunately calling early really won't help - those interviews are specifically scheduled and the rep needs time to review your file beforehand. What DID help me was using that waiting time productively: I gathered every piece of documentation I could find (old schedules, any messages about hour changes, pay stubs showing the reduction), wrote out a clear timeline of events, and practiced explaining my situation out loud. Since your hours dropped from 40 to 10 per week, that's actually a pretty strong case - that level of reduction often qualifies as good cause for leaving. The actual interview was way less stressful than I built up in my head, and having all my info organized made me feel much more confident. Also definitely look into CalFresh and local food banks while you wait - there's no shame in getting help during this gap period!
This is such great advice! I'm feeling a bit more hopeful reading everyone's experiences here. The documentation tip is really smart - I should definitely write everything down while it's still fresh. One question though - when you say "practiced explaining my situation out loud," did you literally rehearse what you were going to say? I'm worried I'll get nervous and ramble or forget important details during the actual call. Also, does anyone know if they record these interviews or is it just notes?
This is such a helpful thread! I'm currently dealing with a similar issue on my EDD application. I had a small freelance writing gig last year that only paid about $800 total, and I wasn't sure if I needed to include it. Based on everyone's experiences here, it sounds like I definitely need to add it as self-employment income. It's really frustrating that the EDD website doesn't explain this clearly - they should have a tooltip or help text explaining that ALL income sources must be reported, no matter how small. Thanks everyone for sharing your solutions!
Absolutely include that freelance writing income! I'm new to this community but went through the exact same thing a few months ago. Had a small graphic design side gig that made maybe $900 and thought I could skip it since it was so little. Big mistake - the system completely blocked me from proceeding until I added it as self-employment. The EDD really needs better user interface design to explain this upfront. It would literally take one sentence on that screen saying "Include ALL income sources, even small 1099 work or side gigs." Would save thousands of people the headache we've all experienced!
As a newcomer to this community, I just wanted to say thank you all for this incredibly helpful thread! I'm currently stuck on the exact same screen in my EDD application and was getting so frustrated. I had a small Uber driving gig last year that only brought in about $400, and I honestly didn't think it was worth mentioning since it was such a tiny amount. But reading everyone's experiences here, it's clear I need to add it as self-employment income. It's amazing how many people run into this same issue - EDD really should make this requirement more obvious on their website. Going to add my Uber income right now and hopefully get past this roadblock. This community is a lifesaver!
I'm currently dealing with this exact situation and this thread has been incredibly helpful! Got my overpayment notice last month for $6,200 with fraud designation because I mixed up which weeks to report my seasonal retail earnings during the holiday rush. The job had me working different shifts every week and I got completely confused about the reporting periods. What's giving me the most anxiety is that I work in banking and we have to disclose any "fraud" issues to our compliance department. But based on what everyone is saying here about administrative vs criminal fraud, it sounds like I might be overthinking this? Has anyone here actually had to deal with employer disclosure requirements for EDD administrative issues? I'm planning to appeal using all the great advice in this thread, but I'm also wondering if I should proactively talk to HR or wait to see if the appeal is successful first. Really appreciate everyone sharing their experiences - it's made me feel so much less alone in this mess!
I totally understand your anxiety about the banking disclosure requirements! From what I've learned lurking in this community, there's usually a big difference between what employers require you to disclose vs what actually shows up on background checks. Most compliance departments are looking for actual criminal convictions or regulatory actions, not internal EDD administrative determinations. That said, since you work in banking where compliance is super strict, you might want to check your employee handbook or talk to a trusted HR person about the specific disclosure requirements at your company. Some places only require disclosure if you're actually charged or convicted of something, while others might have broader language about "investigations." I'd personally lean toward waiting to see if your appeal is successful first, since getting the fraud designation removed would make this a non-issue entirely. But you know your workplace culture better than anyone here. Either way, the fact that this is an honest mistake about seasonal work scheduling should definitely work in your favor for the appeal!
I work in compliance at a regional bank and can offer some insight here! Most financial institutions distinguish between "reportable events" and administrative issues. EDD overpayment determinations, even with fraud designations, typically don't trigger disclosure requirements unless they result in criminal charges or regulatory sanctions. Your employee handbook probably has specific language about what constitutes a "material adverse change" or "regulatory action" - EDD administrative decisions usually don't meet that threshold. That said, every bank is different, so I'd recommend reviewing your specific disclosure policies. If you're really concerned, you could frame it as a hypothetical question to HR like "what would need to be disclosed if someone had an unemployment overpayment issue?" But honestly, I'd focus on the appeal first using all the great advice here. Seasonal retail scheduling confusion is exactly the type of honest mistake that EDD often removes fraud designations for. You've got solid grounds for appeal!
I'm also going through this nightmare right now and honestly this thread has been more helpful than anything I could find on EDD's actual website! Got hit with a $4,200 overpayment with fraud designation because I was working as a substitute teacher with completely unpredictable schedules - some weeks I'd work 2 days, other weeks 5 days, and the pay would come at different times depending on which district I worked for. I tried my best to report accurately but clearly messed something up. The anxiety about this affecting my teaching career has been overwhelming, but reading everyone's experiences about the difference between administrative and criminal fraud is such a relief. I had no idea there was even a distinction! I'm definitely going to appeal using the language suggestions about "unintentional error" and "no intent to defraud" that @Isaiah Sanders mentioned. One thing I'm curious about - has anyone successfully argued that EDD's reporting system itself is confusing? Like, the fact that we have to report earnings for work periods that don't align with when we actually get paid seems like it sets people up for honest mistakes, especially those of us with irregular work schedules. I'm wondering if that's something worth mentioning in my appeal or if I should just focus on explaining my specific situation with the substitute teaching confusion. Thanks again to everyone sharing their stories - you're all helping so many people who are dealing with this stress!
Harper Thompson
UPDATE FOR THOSE FOLLOWING: I just wanted to clarify something important. While EDD technically goes by the postmark date, there are situations where appeals can still be rejected if: 1. The postmark is illegible or missing 2. You have no proof of mailing on that date 3. The appeal arrives significantly late (like 3+ weeks after deadline) For maximum protection, I always recommend sending appeals via certified mail with return receipt, or faxing (yes, faxing still works and provides timestamp proof). Also, even if your appeal is initially rejected as "late," you can appeal THAT decision by showing good cause for the delay - such as post office issues, personal illness, or misinformation from EDD staff.
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Angelica Smith
•Thank you so much for this! I really wish I had used certified mail now. If they reject my appeal for being late, I'll definitely appeal that decision. This is all so stressful! I'm going to try that Claimyr service someone mentioned to at least find out if they received my letter.
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Andre Dupont
Hey Angelica, I totally get your stress about this! I went through something similar last year. The postmark date is definitely what counts, but here's what I learned the hard way - keep calling EDD every few days to confirm they received it. I know the phone lines are awful, but it's worth the hassle for peace of mind. Also, start preparing your evidence NOW for the actual hearing. Get any emails, texts, or documents from your employer about the layoff. If you have coworkers who witnessed what happened, ask them to write statements. The appeal deadline stress is nothing compared to actually winning your case, so use this time wisely to build your argument that you were laid off, not quit. One more tip - if you do end up needing to file a late appeal for any reason, "postal delays" is actually considered good cause by EDD. You're not as screwed as you think even if something goes wrong!
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Jackson Carter
•This is really helpful advice, thank you! I've been so focused on whether my appeal was submitted on time that I haven't even started gathering evidence yet. You're absolutely right - I need to start preparing for the actual hearing now. I do have some text messages from my supervisor about the layoff, but I should probably reach out to my former coworkers too. Did you end up winning your appeal? Any other tips for the hearing itself?
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