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Just a follow-up since my earlier solution worked for you - after you get this resolved, I STRONGLY recommend setting up direct deposit through the Money Network portal rather than using the card. It takes about 5-7 business days to process the change, but then your funds go straight to your regular bank account rather than dealing with the card. Also, document EVERYTHING. Take screenshots of your UI Online payment history showing 'paid' status, note the times/dates you call Money Network, and get the names of any representatives you speak with. This documentation can be crucial if you need to escalate your case.
I went through this EXACT same nightmare 2 months ago! My payment was stuck for almost 3 weeks and I was losing my mind. Here's what finally worked for me: 1. Called Money Network and asked for a "payment trace" (like Nathan mentioned) - they confirmed the payment was sent from EDD but never reached my card 2. Got documentation from Money Network showing the failed transfer 3. Called EDD with that documentation and they were able to see the issue immediately 4. The EDD rep had to "reverse and reissue" the payment because it got lost somewhere in their system The whole process took about 5 days once I had the right documentation, but the money finally showed up. The EDD rep told me this is happening A LOT with the Money Network transition and they're working on fixes. Pro tip: When you call EDD, mention you have "Money Network payment trace documentation" - it seemed to help get me transferred to someone who actually knew how to handle these cases. Good luck!
I'm going through something similar right now and this thread has been incredibly helpful! I just wanted to add that if anyone is dealing with penalty weeks, make sure to screenshot your UI Online account showing the weeks available to certify. I learned this the hard way when EDD tried to claim I hadn't been maintaining my claim properly during my penalty period. Having those screenshots saved me when I had to prove I was following their system prompts to certify. Also, when you do get through to EDD (whether through Claimyr or just persistence), ask them to put notes in your file about the conversation - get the rep's name and badge number if possible. The system is frustrating but documentation is everything with EDD appeals and waivers.
This is such great advice about documenting everything! I wish I had known about taking screenshots earlier - I've been certifying but didn't think to save proof. Going to start doing that immediately. The tip about getting rep names and badge numbers is gold too. I've talked to a few EDD reps through Claimyr but didn't think to ask for their info. Next time I call I'll make sure to get all those details and ask them to document our conversation. Thanks for sharing what you learned - it's so helpful to hear from people who've actually been through this process!
Just wanted to chime in as someone who went through penalty weeks in 2024. Everything everyone is saying about continuing to certify is absolutely correct - DO NOT STOP CERTIFYING even though you won't get paid during the penalty period. I made the mistake of thinking "why bother if I'm not getting money" and stopped certifying for 3 weeks. Big mistake! Those weeks didn't count toward my penalty and I basically extended my punishment period. For your appeal situation, don't give up hope even though the EDD rep said your chances are low. I've seen people win late appeals with solid documentation of emergencies. The key is being very specific about dates, why you couldn't respond, and providing any proof you have. Medical records, hospital bills, travel receipts - anything that shows you had a legitimate emergency during that time. Also wanted to mention that if you do end up owing an overpayment, definitely apply for the hardship waiver (form DE 1446W) but ALSO look into setting up a payment plan as a backup. Even if the waiver gets denied, you can often negotiate a very low monthly payment that won't break your budget. I ended up paying $25/month for my overpayment which was way more manageable than the lump sum they originally wanted. Hang in there - this process is incredibly stressful but you're doing the right things by staying on top of it and seeking advice!
Thank you so much for sharing your experience! This is exactly the kind of real-world advice I needed to hear. I'm definitely going to keep certifying no matter what - the last thing I want is to accidentally extend my penalty period like you did. That sounds like a nightmare! Your point about the appeal gives me some hope. I do have documentation from the family emergency including some medical records and travel receipts, so maybe I have a better shot than the EDD rep made it sound. I'm going to make sure my appeal letter is super detailed with exact dates and circumstances. And thanks for the tip about the payment plan as a backup to the waiver! $25/month sounds so much more doable than whatever lump sum they're probably going to hit me with. Did you have to negotiate that amount or did they offer it? I'm worried they'll want way more than I can afford each month. This whole situation has been so overwhelming but reading everyone's experiences here makes me feel like I'm not alone in dealing with EDD's bureaucracy. Really appreciate you taking the time to share what worked for you!
i had my interview last week and the lady was actually super nice! wasnt scary at all. just be honest
Hey Sofia! I went through a similar situation a few months ago with temp work and an EDD interview. Just wanted to add that when they ask about your job search efforts since leaving those temp positions, definitely mention those 20+ applications you've been submitting - it shows you're actively seeking work which is a requirement for benefits. Also, if you have any email confirmations from job applications or responses from employers, keep those handy. Sometimes they ask for proof of your job search activity during the interview. The fact that you've been consistently looking for work since the temp jobs ended really supports your case. One more tip - write down a timeline of events before your interview (dates you started/left each temp job, when you reported the hostile environment, etc.). Having everything organized will help you stay focused during the call. You've got this!
is the bofa card the one with the picture of the bear on it? i got one of those but thought it was fake lol
This thread has been really helpful! I'm actually in a similar situation - just received what looks like a legitimate BofA EDD card but was expecting Money Network. Based on everyone's experiences here, it sounds like if you had a previous claim with a BofA card that's still valid, EDD's system automatically reuses it instead of issuing the new Money Network cards. For anyone else dealing with this: check your card's expiration date first - if it's from a previous claim and still valid, that's probably why you got BofA instead of Money Network. You can use it safely as long as your UI Online account shows "Debit Card" as your payment method. Thanks to everyone who shared their experiences!
Thanks for summarizing everything so clearly! I was getting pretty worried about potentially fraudulent cards, but this thread has really put my mind at ease. It's actually kind of reassuring that EDD's system is smart enough to reuse valid cards rather than issuing duplicates. Saves everyone time and hassle. I'm going to activate my BofA card tomorrow and stop stressing about it!
Alice Fleming
wait so do I need to go back and fix my old certifications where I only reported the hours on my paystub? or just do it right going forward?
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Steven Adams
•You're not required to go back and correct previous certifications if you reported your earnings correctly. For future certifications, just be sure to report your actual hours worked. If you're concerned about past certifications, you can always call EDD to discuss your specific situation.
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Chris Elmeda
This is such a helpful thread! I'm dealing with a similar situation working as a freelance photographer where I get paid per shoot but the hours vary wildly. Some shoots are 12+ hours but my invoices just show "1 day" or a flat rate. Based on what everyone's shared here, it sounds like the key is reporting actual hours worked since that's what determines your availability for other employment. I've been stressing about this for weeks thinking I might mess up my certification. @Connor Richards thanks for posting this and following up with the EDD confirmation - super helpful to know they actually have guidance for these situations!
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