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something else i forgot to mention, u can actually use the money network app on ur phone to check if money was deposited before the card even arrives. u just cant access it till u get the physical card. the app is actually pretty good, way better than the old BofA one.
Just wanted to add that if you're really tight on timing with bills, you might want to ask your landlord or utility companies if they can give you a few extra days. Many are understanding about EDD delays, especially since this Money Network card transition has been causing confusion for a lot of people. I had to do this last year and most were pretty reasonable about it. Also, once you do get the card, you can use it like a debit card at ATMs or stores if you need cash immediately while waiting for bank transfers to process.
That's really solid advice about talking to landlords and utility companies! I never thought about mentioning the EDD card transition specifically - that gives a legitimate reason for the delay that they might be more understanding about. And you're right about using it as a debit card right away, that could definitely help bridge the gap while waiting for bank transfers. Thanks for sharing your experience with this!
That's excellent advice! I'll definitely request documentation of every conversation. I'm feeling much more hopeful now that I have a concrete plan of action.
Just wanted to chime in as someone who went through a very similar situation. I was laid off from my retail job in April 2023 but couldn't successfully file until July due to constant website crashes and phone system failures. Lost about $6,200 in benefits during those months. What ultimately worked for me was a combination of what others have mentioned here. I used a service similar to Claimyr to actually get through to EDD, then specifically requested a Tier 2 specialist. The key was having all my documentation ready - pay stubs, termination letter, and a detailed timeline of every attempt I made to file. The breakthrough came when I found out about the EDD Ombudsman's office. They're separate from regular EDD customer service and have more authority to resolve complex issues. You can reach them at 1-800-300-5616. They actually investigated my case and overturned the original denial. It took about 4 months total from when I contacted the Ombudsman to receiving my backdated benefits, but I got every penny I was owed. Don't give up - the system is broken but there are still ways to fight it successfully. Document everything and be persistent!
To all those having trouble reaching a human at California Unemployment. I just ran across this video that gave me a shortcut to reach a human. Hope it helps! https://youtu.be/Ize0EkN4HDI
I went through the Bank of America identity verification process last month. You'll need to bring your physical ID (driver's license or state ID) and Social Security card. They'll ask you to verify personal information like your address, phone number, and some questions about your EDD claim. The whole process took about 15-20 minutes. Make sure to bring any EDD correspondence you've received too - it can help speed things up. Good luck!
@Millie Long This is really reassuring to hear from someone who actually went through it! I ve'been putting this off because I wasn t'sure what to expect. When you say they asked questions about your EDD claim, were these things like when you filed, your previous employer, or more basic stuff? And did you need any specific EDD documents beyond just correspondence? Thanks for taking the time to share your experience!
@Millie Long This is exactly what I needed to hear! I ve'been dreading this process but knowing it only takes 15-20 minutes makes me feel so much better. Did you need to schedule an appointment or could you just walk in? And were there any long wait times at the branch? I m'trying to plan the best time to go so I don t'waste the whole day there.
I'll definitely include a waiver request with my appeals. My current job pays significantly less than I was making before unemployment, and I'm still catching up on bills from that period. Really hoping I can get this resolved without having to pay back money I don't have. Thank you for all your expert advice!
This is such a stressful situation but you're definitely not alone! I went through something similar in 2023 with 3 overpayment notices that made no sense. Here's what I learned: First, document EVERYTHING - take photos of when you received each notice (including the postmark dates). The appeal deadline is based on when you received them, not the date printed on the notice. Definitely try to get through to EDD by phone before filing appeals if possible. Sometimes these batch notices are system glitches. I've heard good things about using services like Claimyr to actually reach a human - might be worth it given the amount you're dealing with. If you do need to appeal, make sure to request your complete Payment Activity Detail report from EDD. This shows exactly what they have on record for your wage reporting vs what you actually reported. Any discrepancies there will be your smoking gun evidence. Also consider requesting a hardship waiver along with your appeals - even if some overpayment is legitimate, you might qualify for forgiveness based on financial hardship. The key is showing you reported everything in good faith. Don't let them intimidate you into just paying. $7,800 is a lot of money and if you reported correctly, you shouldn't owe it!
This is really solid advice! I'm definitely going to request that Payment Activity Detail report - I had no idea that existed and it sounds like exactly what I need to prove I reported everything correctly. The hardship waiver is also something I hadn't considered but makes total sense given my current financial situation. @9c0372ccdf4b Do you remember how long it took to get the Payment Activity report after you requested it? I'm trying to figure out my timeline since I need to file these appeals within 30 days but want to have as much documentation as possible. Also curious - when you said some of your notices were "system glitches," were you able to get those cancelled just by talking to someone on the phone, or did you still have to go through the formal appeal process?
Amina Toure
I went through this exact same situation last year and won my appeal! Here's what really helped me beyond what others have mentioned: 1. Create a simple timeline document showing your employment dates, major events, and termination. This helped me stay focused during questioning. 2. If you have any coworkers who witnessed your termination conversation or know about the budget cuts, ask them to write a brief statement confirming what they heard/knew. Even if they can't attend the hearing, their written statements can be submitted as evidence. 3. Check your email for ANY communication from HR or management about company layoffs, budget issues, or restructuring around the time you were let go. Sometimes there are company-wide emails that support your case. 4. Bring a copy of your unemployment application and any correspondence with EDD so you can reference what you originally submitted vs. what they're claiming you didn't provide. The fact that you have that text from your manager about budget cuts is HUGE - that's contemporaneous evidence that supports your case. You've got this! The judges want to see that you're being honest and that you qualify for benefits. Stay calm, be organized, and stick to the facts.
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Amara Okonkwo
•This is such great advice! I never thought about asking coworkers for written statements - that's brilliant. I actually do remember there was a company-wide email about "restructuring due to financial constraints" sent out about a week before I was let go. I'm going to dig through my email tonight to find it. The timeline document idea is really smart too because I tend to get flustered when people ask me dates and specifics. Thank you for taking the time to share all these tips - it's giving me so much more confidence going into this hearing!
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PaulineW
I just wanted to add something that helped me during my appeal hearing - bring a simple one-page summary of your case that you can reference if you get nervous. I wrote down the key facts: employment dates, reason for termination, and what evidence I had to support each point. Also, if your hearing is by phone or video, test your connection beforehand and have a backup plan. My original hearing got delayed because of technical issues on EDD's end, which added to the stress. One thing that surprised me was that the judge asked about my efforts to find new work since being terminated. Even though your denial was about work history, they might still ask about job search activities, so be prepared to briefly mention what you've been doing to look for work. The judges I've dealt with (I had to appeal twice for different issues) were actually pretty fair and patient. They're not trying to trick you - they just need to verify the facts. You sound well-prepared with all the advice from everyone here. Good luck!
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Ryan Andre
•This is really helpful advice! I hadn't thought about preparing a one-page summary - that's such a good idea since I know I'll probably get nervous and might forget important details. The technical backup plan is smart too. I've been keeping a basic job search log since I was terminated, so I should be able to answer questions about that if they come up. It's reassuring to hear that the judges are generally fair and patient. Thank you for sharing your experience!
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