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Received EDD BofA card years after repaying overpayment - how to return it?

I'm completely confused about something that just happened. I got a Bank of America EDD debit card in the mail yesterday, but I haven't filed for unemployment since 2022! Back in 2021, EDD determined I had an overpayment (about $3,800) which I paid back in full. I haven't filed any new claims or EDD applications since then. I'm worried this is either an error or someone using my identity. What's the proper procedure for returning this card? Should I call EDD or Bank of America? Has anyone dealt with something similar? I don't want to accidentally get flagged for fraud or have problems down the road if I need benefits.

I'm so sorry this happened to you! It's really frustrating how common identity theft has become with unemployment benefits. I'm glad you were able to get it sorted out quickly by following the advice here. For anyone else reading this thread who might face a similar situation, it's worth noting that you should also check your EDD online account (if you have one) to see if there are any claims filed that you didn't submit. Sometimes fraudsters will file claims but the victims don't realize it until they get a card or notice in the mail. Also, definitely keep all the documentation from this process - case numbers, reference numbers, etc. You might need them later if any issues come up. Thanks for updating us on how it turned out!

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I'm really glad you were able to get this resolved quickly! This thread is such a perfect example of why community support is so valuable - you got expert advice from multiple people who had dealt with similar situations. One thing I wanted to add for future readers: if you do end up needing legitimate unemployment benefits down the road, having this fraud incident properly documented and resolved will actually work in your favor. EDD will have a record that you proactively reported fraudulent activity, which shows you're not trying to game the system. Also, for anyone who might be hesitant about using services like Claimyr that charge a fee - sometimes it really is worth it when you're dealing with potential identity theft. The cost of a few hours of professional help can save you weeks or months of headaches trying to clear up fraud on your own. Thanks for keeping us updated throughout the process. It's really helpful to see how these situations actually get resolved rather than just hearing about the initial problem!

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That's such a good point about having the fraud properly documented actually helping with future legitimate claims! I hadn't thought about that benefit. And you're absolutely right about the value of getting professional help when dealing with identity theft - the stress and time saved is definitely worth the cost. This whole experience has really opened my eyes to how vulnerable we all are to this kind of fraud. I'm just grateful this community was here to guide me through it step by step. Hopefully this thread will help others who find themselves in the same scary situation!

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EDD switched from Bank of America card to paper checks - how long until checks arrive?

So my situation is super frustrating. EDD apparently closed my Bank of America card without warning me (thanks a lot!), but they're still processing my benefits. When I checked my payment history it shows my last payment as 'outstanding' which I think means they're sending a paper check instead. Has anyone else had this happen? I'm kinda worried because rent is due next week and I NEED this money. How long do these paper checks usually take to arrive? My account is still active and I've been certifying like normal, just suddenly no card access. Anyone been through this?

Iโ€™m having another issue, I have been going back and forward between BOA and EDD customer service and neither seems to know whatโ€™s going on, BOA told me to call EDD I called EDD and was told they do not see any funds on their end I called BOA back and they told me as of 07/28/25 the funds were unloaded/taken back by the EDD but this is all after I have called and went thru the process of having the check sent to me, how can this happen if I was told the processing was successful for me to receive my check Iโ€™m extremely frustrated does anyone have any information

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This sounds like a really frustrating situation with the runaround between BOA and EDD! When BOA says the funds were "unloaded/taken back by EDD" as of 07/28/25, that usually means EDD recalled the funds to reissue them through their current payment system. Since you're stuck in this loop, I'd suggest a few things: 1) Ask EDD specifically about any "recalled" or "returned" payments from BOA on that date, 2) Request they check if those funds were reprocessed as a paper check or added to your next payment, and 3) Get reference numbers from both BOA and EDD calls to avoid repeating the same conversations. You might also want to try the Claimyr service that @Freya Pedersen mentioned earlier to get through to EDD faster since this seems like it needs escalation. This kind of inter-agency confusion unfortunately happens during these transitions, but your money should still be there somewhere in the system!

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I'm currently going through this exact same situation! My BofA card got deactivated about a week ago with no warning, and I've been certifying but my payments are showing as "outstanding" instead of going to the card. Reading through everyone's experiences here is actually really reassuring - I was starting to panic that something was seriously wrong with my claim. It sounds like the consensus is about 5-7 business days from when it shows "outstanding" to when the paper check actually arrives in the mail. I'm going to sign up for that USPS Informed Delivery service that several people mentioned - that seems like such a smart way to track when it's coming without just anxiously checking the mailbox every day. I'm also planning to set up direct deposit immediately once this check arrives. It's frustrating that EDD didn't communicate this BofA to Money Network transition better, but at least now I understand what's happening. Has anyone had success reaching EDD by phone to confirm when their check was actually mailed? I've tried calling but keep getting the high call volume message and then disconnected.

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I had the same issue with getting through to EDD by phone - it's incredibly frustrating! What finally worked for me was calling right at 8:00 AM when they open, and I used the technique someone mentioned earlier about pressing certain numbers to get past the automated system faster. It still took about 45 minutes on hold, but I eventually got through to a rep who confirmed exactly when my check was mailed. They were actually pretty helpful once I finally reached a human! You might also want to try that Claimyr service that @Freya Pedersen mentioned - I ve'heard good things about it for getting through to EDD faster. Hang in there, your check should definitely arrive within the next few days based on everyone s'timelines here!

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Cal Jobs 2FA emails not arriving - EDD registration deadline approaching

Is anyone else having issues with the Cal Jobs website? I've set up my account like EDD requires, but I CANNOT receive the 2-factor authentication emails they send. I've tried requesting them multiple times, checked spam folders, everything! Yet somehow I get all other emails from Cal Jobs just fine (like notifications and newsletters ๐Ÿ™„). My benefits require me to complete this registration by next week, and I'm getting seriously stressed. I've tried: 1. Emailing their tech support 3 days ago (crickets) 2. Calling EDD repeatedly but keep hitting the "maximum callers" wall 3. Adding their email to my contacts/safe senders list 4. Trying different browsers/clearing cache I'm planning to physically go to an EDD office tomorrow as a last resort, but it's a 45-minute drive each way. This feels intentionally designed to make people fail and lose benefits. Has anyone actually managed to get through to someone about Cal Jobs issues? Or found a workaround for the 2FA problem? I can't afford to lose my UI benefits over their technical issues!

Just wanted to add my experience as someone who recently went through this Cal Jobs 2FA nightmare! I tried the Gmail approach that worked for so many people here, but in my case it was actually my email provider (Outlook) that was the problem. What finally solved it for me was contacting my ISP directly - turns out they had automatically enabled some new "enhanced security" feature that was blocking authentication emails from government domains. Once they whitelisted *.ca.gov for my account, the 2FA codes started coming through immediately. So if the Gmail trick doesn't work for anyone, it might be worth checking with your internet/email provider about any recent security updates or blocks. The support rep told me this has been happening more frequently with government emails lately. Also seconding everyone's praise for this thread - you all probably saved hundreds of people's benefits with these solutions! The fact that we have to crowdsource fixes for broken government systems is frustrating but I'm so grateful this community exists.

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@Eli Butler that s'such a great point about ISP-level blocking! I never would have thought to check with my internet provider directly. This is exactly the kind of outside-the-box thinking we need when dealing with these broken systems. Your experience with the enhanced "security feature" blocking government domains is really eye-opening - I bet that s'affecting way more people than anyone realizes. It s'probably worth adding ISP contact to the troubleshooting checklist along with the Gmail method and browser solutions. Thanks for sharing that detail about *.ca.gov whitelisting too - that s'super specific and actionable advice. Between all the different solutions people have shared in this thread new (email accounts, browser changes, ISP settings, Claimyr service, bypass codes ,)we ve'basically created a comprehensive troubleshooting guide that s'probably better than anything EDD provides officially ๐Ÿ˜… Really hoping this thread stays visible for other people dealing with the same Cal Jobs nightmare!

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This thread is incredibly valuable! I'm dealing with the exact same Cal Jobs 2FA issue and have been pulling my hair out for the past week. My registration deadline is in 3 days and I was starting to panic thinking I'd lose my benefits over their broken system. Reading through everyone's solutions has given me a clear action plan: 1. Try the new Gmail account method first (seems to work for most people) 2. Contact my ISP about any government domain blocks (great insight @Eli Butler!) 3. Use Claimyr if I need to reach EDD for the bypass code 4. Document everything with screenshots It's absolutely ridiculous that we need to crowdsource solutions for basic government website functionality, but I'm so grateful this community exists. The fact that there are actual workarounds and people ARE getting through this successfully is keeping me from completely losing hope. @Freya Christensen thanks for starting this discussion - you probably saved dozens of people's benefits! Will definitely report back with my results in case it helps others. ๐Ÿคž

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@Max Knight you ve'got a solid plan there! I just went through this exact same situation last month and can confirm that having multiple backup approaches is key. The Gmail method worked for me on the second try first (attempt I rushed it, but waiting 15 minutes after creating the account like someone mentioned earlier made all the difference .)One thing I d'add to your action plan - if you do end up needing to use Claimyr, have all your EDD info ready beforehand claim (number, SSN, etc. because) once they get you connected to a rep, you ll'want to move quickly. The reps are usually understanding about the technical issues once you explain the situation clearly. Also totally agree about @Freya Christensen saving people s benefits'with this thread! It s wild'that we have to figure this stuff out ourselves, but at least we re helping'each other. The government systems are broken but this community definitely isn t. Good'luck with your deadline - you ve got'this! ๐Ÿ’ช

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EDD login asks for previous benefit amount but can't remember my COVID payment - how to recover?

I'm trying to file for unemployment again after losing my restaurant job last week, but I'm stuck at the EDD login screen. It's asking me to enter the last benefit amount I received, which was back during COVID in 2021. I honestly have no clue what that amount was anymore! I've searched through old emails and bank statements but can't find the exact amount. Is there any way to recover this information or bypass this security question? Has anyone else had this problem when reapplying? I really need to get this claim started ASAP since rent is due in two weeks.

UPDATE: I found my old tax records and located my 1099-G from 2021! My weekly benefit amount was $372. I was able to log in successfully. Thanks everyone for your help! For anyone with the same issue in the future, definitely check your tax documents first.

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Great news! Glad you were able to resolve it. Make sure to complete your new claim application as soon as possible since benefits are not retroactive to before the week you apply.

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Congrats! That's a relief. Good luck with your new claim!

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So glad you figured it out! This is such a common issue and your post will definitely help others who run into the same problem. The 1099-G tip is golden - I wish EDD would make it more obvious that's where people should look first instead of making us guess our benefit amounts. Hope your new claim goes smoothly and you get approved quickly!

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Welcome to the community, Ellie! You're absolutely right - this thread is a perfect example of how helpful everyone here is. The 1099-G tip really is a lifesaver. I'd also recommend bookmarking some of the other suggestions from this thread (like the DE 8714 form and the ID.me verification option) just in case you need backup options. Retail layoffs are tough, but at least you have this community to help navigate the EDD maze. Best of luck with your claim!

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Welcome to the community @Ellie Kim! I'm sorry to hear about your job loss, but you're absolutely right that this community is a lifesaver for navigating EDD. The 1099-G tip really is gold - I wish someone had told me that when I was struggling with this same issue last year. Don't hesitate to post if you run into any snags with your claim. There are some really knowledgeable people here who've been through it all before. Good luck with your application!

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EDD approved my claim but never received Money Network card - stuck in limbo for months

Hi everyone, I'm at my wits' end with this EDD situation. I filed an unemployment claim back in January and heard absolutely nothing for weeks. Finally managed to reach someone on the phone in mid-April who told me I had selected the wrong payment preference option during my application. The rep said she'd fix it in the system and send me paper certification forms since the online system kept giving me errors. I've been diligently completing and returning these forms for 6 weeks now. When I call the automated system using my PIN, it says I have over $4,500 available, but I've never received a Money Network debit card! The form they mailed mentions that if I want the debit card, I shouldn't sign a certain section, but if I want paper checks, I need to sign and return it. At this point, I'm thinking maybe I should just request paper checks because this is getting ridiculous. The worst part is trying to reach someone - I call right at 8:00 AM when they supposedly open, but the system says they're closed. When I try later for a callback, all the slots are 'already taken.' Has anyone dealt with this payment limbo situation? Should I just request the paper checks instead of waiting for a card that might never come?

I just went through this exact same issue a few weeks ago! The frustration is real when you can see the money but can't touch it. Here's what finally worked for me: Since you already confirmed with Money Network that no card was issued, you're ahead of where I was. I also switched to paper checks using the DE 5800 form and it was the right call. My first check arrived exactly 9 days after EDD updated my payment preference. A couple things that helped me: - When you call EDD (or use Claimyr), ask them to check for any "payment holds" or "address verification flags" on your account. Sometimes there are hidden issues blocking the payment setup - Request they send you the confirmation letter about your payment preference change via both mail AND email if possible - Get a reference number for the call and ask them to put detailed notes about what they changed The paper check system is honestly more reliable than the debit card mess. You can always switch back to the card later once you know everything is working properly. Don't feel bad about using a paid service to get through - I wasted weeks trying the free route and wish I'd just paid to talk to someone sooner. You're so close to getting this resolved! Keep us posted on how the Claimyr call goes.

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This is such great advice, especially about asking them to check for "payment holds" or "address verification flags" - I never would have thought to ask about those specific things! I did move right before filing my claim so there could definitely be an address verification issue like what happened to Anastasia. I'm definitely going to ask for both mail and email confirmation too. It's so reassuring to hear from everyone who's been through this exact same situation and come out the other side. I was starting to think I was the only one dealing with this payment limbo nightmare! I'll definitely update everyone once I get this sorted out. Thanks for sharing what worked for you!

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Wow, reading through all these responses is both helpful and infuriating - it's clear this payment preference issue is a widespread problem with EDD's system! I'm dealing with something similar right now where my claim shows approved but I've been waiting 3 weeks for any kind of payment method to be set up. Isabella, your situation sounds exactly like what happened to my sister earlier this year. She also had the automated system showing thousands available but no actual way to access it. The advice about calling Money Network directly at 1-866-320-8699 is golden - I had no idea you could do that to check if a card was actually issued. Based on everyone's experiences here, it seems like going with paper checks is definitely the way to go for now. The debit card system sounds like a nightmare with all the third-party confusion between EDD and Money Network. At least with checks you know exactly when they're sent and when to expect them. I'm also really interested in hearing how the Claimyr service works out for you. The regular EDD phone lines are absolutely useless - I've been trying for weeks with no luck. If a small fee can actually get me connected to someone who can fix this mess, it seems worth it at this point. Keep us posted on your progress! This thread has been incredibly helpful for understanding what's actually going wrong with these payment systems.

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