UPDATE: The money just hit my card this morning (Wednesday)! So that was about 48 hours from when it showed paid on the EDD site. Thanks everyone for the help and calming my nerves. I'm definitely switching to direct deposit for future payments based on all your advice.

I have edd money network card. My disability is using on my card Sunday night. It’s not there, Memorial Day is tomorrow. Could that be a possibility?

UPDATE: Wanted to let everyone know Money Network actually came through faster than expected! They issued a provisional credit after 4 business days, and today (day 6) they confirmed the fraud investigation is complete and the money is permanently restored. I think what helped was: 1) Filing the police report immediately, 2) Following up daily but politely, 3) Specifically mentioning hardship and requesting provisional credit as someone suggested here, and 4) I finally reached EDD using the Claimyr service someone recommended, and they put notes on my account. Also, I've already set up direct deposit to my regular bank account for all future payments. Never using that Money Network card again! Thanks everyone for your help during this stressful time.

So glad to hear you got your money back quickly! This whole thread has been super helpful - I've been using the Money Network card for months without realizing how vulnerable it is. Just set up direct deposit and text alerts after reading everyone's experiences. It's crazy how common this fraud seems to be with these cards. Thanks for sharing your story and keeping us updated!

One more thing I forgot to mention - the hearing process itself is actually pretty straightforward once you finally get a date. The Administrative Law Judge (ALJ) will review your case first, then ask questions about your specific situation. They're generally fair and will listen to your explanation about the miscalculated earnings. Make sure you can clearly explain: 1. Why you believe the calculation is wrong 2. What evidence you have to prove your actual earnings 3. How you reported your income during certifications The hearings typically last 30-45 minutes. You'll receive the judge's decision by mail within 2-3 weeks after the hearing. Hang in there - the waiting is definitely the hardest part of the whole process.

I'm going through something similar right now - been waiting since January for my appeal hearing date on a $4,200 overpayment. The stress is real! Reading through all these responses is actually making me feel better knowing I'm not alone in this nightmare. One thing that helped me cope with the waiting is setting up a separate savings account specifically for this potential debt. Even if I can only put $50-100 a month in there, it makes me feel like I'm doing something proactive instead of just panicking. If I win the appeal, great - I have extra savings. If I lose, at least I have something to work with. Also, document EVERYTHING during this process - every phone call, every letter, every attempt to contact them. If this drags on much longer, you might need that paper trail. The whole system is designed to be overwhelming, but you've got this! Your evidence sounds solid with the pay stubs showing the double-counting error.

Is it just me, or does anyone else miss the good old days when we could actually walk into an office and talk to a real person? #bringbackhumaninteraction

I'm going through the exact same thing! 4 weeks certified, documents sent, and radio silence from EDD. What's really frustrating is that there's no clear timeline or status updates. I've been checking my UI Online account obsessively but it just shows "pending" with no explanation. The worst part is not knowing if it's a system glitch, missing paperwork, or just the usual EDD backlog. Hang in there - at least we know we're not alone in this nightmare! 😤

Hey OP, what state are you in? The process can vary a lot depending on location.

I went through the exact same thing with CA EDD last year. My denial was also for "insufficient earnings" even though I had worked consistently. Here's what worked for me: 1) Request your wage records from EDD to see what they have on file - sometimes employers don't report correctly, 2) Get copies of all your pay stubs and tax documents, 3) File the appeal online through your EDD portal within 30 days, and 4) In your appeal letter, be very specific about your work history and attach all proof. The hearing was done over the phone and took about 45 minutes. The judge was actually pretty fair and I won my case. Don't let them intimidate you - you have rights! Also check out the CA unemployment advocates group on Facebook for more support.