EDD Bank of America card fraud - how long for investigation resolution & refunds?

omg this happened to me in february!!! someone took $2,860 from my account at some atm in san diego (i live in sacramento). it took 45 days to get my money back but i did eventually get it all back. the worst part was BofA gave me ZERO updates during that time. i called like 10 times and everyone just read the same script about how \

45 days?! I'm going to be homeless by then. Did EDD do anything to help while you were waiting? Was there any emergency assistance?

nope, EDD was useless. they just kept saying it was a \

This is actually super common with the EDD cards. My roommate had his card skimmed at a gas station last year. Those BofA EDD cards don't have the security chip which makes them easy targets. He got his money back in about 30 days. Document EVERYTHING.

The Money Network cards that EDD switched to in July 2024 actually do have security chips, but many people are still using the older BoA cards. OP should request the new Money Network card right away. The security features are much better, and you can freeze/unfreeze the card instantly through their app if you suspect fraud.

I work at a nonprofit that helps people with EDD issues, and unfortunately this is something we're seeing more frequently. Here's what you need to do to speed up the process:\n\n1. Make sure you've filed the claim specifically with Bank of America's EDD card fraud department at 1-866-692-9374, not just the regular BofA fraud line\n\n2. Contact your local state assembly member's office - they have EDD liaisons who can escalate cases\n\n3. Request an Emergency Hardship payment from EDD - call and specifically mention you're experiencing homelessness risk due to fraud\n\n4. Get documentation from your landlord about potential eviction to strengthen your hardship claim\n\n5. Request that they expedite your case due to financial hardship\n\nThe typical timeframe is 30-45 days, but I've seen hardship cases resolved in as little as 10-14 days when properly escalated. Almost everyone does eventually get their money back, but the timing is the critical issue.

Thank you so much for this detailed advice. I'll call the specific EDD card fraud dept number you mentioned first thing tomorrow. I didn't know about the Emergency Hardship payment option - that could be a lifesaver right now. Do you happen to know if I need special documentation for that request?

Yes, for the Emergency Hardship payment, you'll need to provide:\n- Copy of the police report\n- Copy of the BofA fraud claim confirmation\n- Evidence of pending bills (rent statement, utility bills)\n- A signed statement explaining the immediate financial impact\n\nThe most efficient way to submit this is through your UI Online account under \

THEY NEVER GIVE THE MONEY BACK!!!! I had $3,200 stolen last year and BoA denied my claim saying I must have given someone my PIN number (I DIDNT!!). EDD said it wasn't their problem. Nobody helps you. This whole system is a SCAM!!!!

I'm sorry you had that experience. If your claim was denied, you have the right to appeal that decision. There's a specific appeal process for denied fraud claims. You would need to submit a written appeal within 60 days of the denial letter, including any evidence that the transactions weren't authorized by you. Many denials get overturned on appeal, especially if you can demonstrate patterns that don't match your normal usage.

Too late now, this was 10 months ago. Nobody told me about any appeal process. They just sent a letter saying claim denied, have a nice day. The whole system is rigged against us regular people.

I got my money back in 32 days exactly. The process is frustrating because there's absolutely no way to check status - you're just in the dark until suddenly the money appears back in your account. \n\nOne tip: despite what others might say, keep calling BofA every 7-10 days. Sometimes you'll get a rep who can actually see notes on your case and give you more specific info than others. I specifically asked for a supervisor on my 3rd call and got more details.\n\nAlso, I learned that if your fraud claim involves transactions in another state or country, it often gets resolved faster because that's easier for them to verify as obvious fraud. Mine was transactions in Florida (I'm in California) so that might have helped the timeline.

That's actually helpful to know. The fraudulent transactions on my account were in Nevada, so hopefully that helps my case. Did you get any sort of notification when it was resolved, or did you just have to keep checking your account?

No notification whatsoever. The money just appeared back in my account one day with a transaction labeled \

Has anyone tried using Claimyr to reach EDD faster for this kind of situation? I used it when I needed to talk to someone about my hacked account and got through in about 25 minutes instead of spending hours on hold. Their service calls EDD for you and then connects you when they reach a representative. I found them at claimyr.com and they even have a video showing how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km\n\nIt was helpful because I was able to get an EDD rep to flag my account with an urgent status which seemed to speed things up. My claim was resolved in 21 days.

I've never heard of that service before. Did it actually make a difference in how your case was handled? I'm willing to try anything at this point if it'll help speed up the process.

I think it did help because I was able to get through to an actual EDD supervisor who put notes in my file about it being a hardship case. Most people can't even get through the phone lines to explain their situation. The key for me was being able to talk to a real person who could escalate things, and that's what their service helped with.

is that service legit? sounds kinda sketchy to me. why would u need to pay someone to call edd?

I've used it too - it's actually legit. They just have a system that navigates through EDD's phone tree and waits on hold for you. Considering I spent 4+ hours trying to get through myself before giving up, it was worth it to me. Different situation though - was trying to fix a certification issue, not a fraud case.

I've helped several people through this process (I'm a volunteer at a workforce center). The average resolution time we're seeing is 35-40 days for Bank of America EDD card fraud claims. Here's what affects your timeline:\n\n1. How quickly you reported it (within 24 hours is optimal)\n2. The fraud type (ATM withdrawals are investigated differently than online purchases)\n3. Whether you've had previous fraud claims (first-time claims are processed faster)\n4. Documentation quality (police report helps significantly)\n\nAlmost everyone gets their money back eventually. Bank of America is required by Regulation E to investigate and provide provisional credit within 10 business days in most cases, though they often take longer with EDD cards specifically.\n\nWhile waiting, I strongly recommend:\n- Apply for emergency food benefits (they process these within 3 days)\n- Contact 211 for emergency rental assistance programs\n- Request a hardship advance from EDD (rarely granted but worth trying)\n- Look into local eviction protection laws (many counties require 30+ days notice)\n\nDocumenting all communication with exact dates, times, representative names and IDs is crucial for follow-up.

Thank you for this incredibly detailed information. I reported it about 36 hours after it happened (noticed my card was declined when trying to buy groceries, then checked the account). The fraud was mostly ATM withdrawals in Nevada. This is my first fraud claim. I do have the police report number but they said the actual report won't be ready for 5-7 business days - should I wait for that before sending documentation to BofA?

Don't wait for the full police report - send the police report number and incident details to BofA immediately. You can always follow up with the complete report when you receive it. For ATM withdrawals, they'll typically check if the ATM had cameras and request that footage, which is why these cases sometimes resolve faster than online purchase fraud. Make sure to emphasize to BofA that you've never been to Nevada during the timeframe in question, which strengthens your case considerably.

OMG I just realized something!!!!! Check if the theif changed your address on the account!!! That happened to my cousin and thats why she wasnt getting any of the letters or updates about her case!!! BofA sent everything to the new address the scammer put in!!!!

Oh crap, I didn't even think of that! I'll call and check right away. These scammers think of everything!

I went through this exact same situation about 6 months ago - $3,100 stolen from my EDD card through ATM withdrawals in Las Vegas (I'm in LA). Here's what actually worked for me to speed things up: First, file a complaint with the CFPB (Consumer Financial Protection Bureau) online at consumerfinance.gov. I did this on day 15 when I wasn't getting any updates from BofA, and suddenly I got a call from their "executive customer relations" team within 48 hours. My case was resolved in 28 days total. Second, document EVERYTHING in writing. After every phone call, send a follow-up email to the BofA fraud department summarizing what was discussed. This creates a paper trail that helps if you need to escalate. Third, if you have any documentation showing you were somewhere else when the fraud occurred (work schedule, receipts, location data from your phone), gather that now. It really helps prove your case. The waiting is absolutely torture, but statistically about 95% of legitimate fraud claims do get resolved in your favor. Hang in there - you WILL get your money back. In the meantime, definitely pursue that emergency hardship payment Isabella mentioned above.

This is exactly the kind of detailed, actionable advice that can make a real difference! Filing a CFPB complaint at consumerfinance.gov is brilliant - I had no idea that would get their attention so quickly. The fact that you got a call from executive customer relations within 48 hours shows they take those complaints seriously. I'm definitely going to start documenting everything in writing after phone calls. That's such a smart way to create accountability. And you're right about gathering location evidence - I have my work schedule and some receipts from that weekend that prove I was nowhere near Nevada. 28 days is so much better than the 45-90 day estimates I've been hearing. Did the executive customer relations team give you any better updates during the process, or was it still mostly waiting after that initial contact? Thank you for sharing your experience and for the encouragement. It's really helpful to hear from someone who actually got through this successfully!

This thread is incredibly helpful! I'm dealing with a similar situation right now - had $2,400 stolen from my EDD card last week through ATM withdrawals in Arizona. Reading everyone's experiences gives me hope that I'll actually get my money back. I've already filed with BofA and got my police report number, but I had no idea about the Emergency Hardship payment option or the CFPB complaint strategy. Going to call the specific EDD card fraud number (1-866-692-9374) that Isabella mentioned and also file that CFPB complaint by next week if I don't hear anything. The tip about checking if they changed my address is genius - definitely calling to verify that tomorrow. And I'm going to start documenting everything in writing after phone calls like StarStrider suggested. Thank you all for sharing your experiences and actual timelines. It's scary when you're in the middle of it, but knowing that most people do get their money back (even if it takes 30-45 days) helps me not panic completely. Will update this thread with my progress in case it helps others going through the same thing!

I'm so sorry this happened to you! $4,700 is devastating to lose, especially when it's everything you have for rent and bills. I went through something similar last year - $3,200 stolen from my EDD card through skimming at a gas station. The advice everyone's giving here is spot-on, especially about filing that CFPB complaint if you don't get updates within 2 weeks. That really does light a fire under them. I also want to add one thing I learned the hard way - make sure to check your credit reports immediately! Sometimes these scammers use your card info to try opening new accounts in your name. You can get free credit reports from all three bureaus at annualcreditreport.com. I caught them trying to open a credit card in my name about 3 weeks after the EDD card fraud, so they might have gotten more of your info than just the card details. Also, while you're waiting for the investigation, see if your county has any emergency rental assistance programs. Many areas got federal funding during COVID that's still available for situations exactly like this. In my county, they were able to pay my rent directly to my landlord while I waited for BofA to resolve everything. The waiting is absolutely terrifying, but based on what I've seen in this community, almost everyone does get their money back eventually. Document everything and be persistent. You've got this! 💪

I'm a newcomer here but wanted to share some additional resources that might help while you're waiting for your fraud investigation to resolve. I work in financial services and see cases like this unfortunately often. Beyond the excellent advice already given about the CFPB complaint and Emergency Hardship payment, consider reaching out to your local Community Action Agency - they often have emergency assistance funds specifically for situations like fraud victims waiting for bank investigations. Many people don't know these exist. Also, if you're struggling with immediate needs like food, most food banks don't require any paperwork or waiting periods - you can often get help the same day. The California Association of Food Banks website has a locator tool to find ones near you. For your landlord situation, California has strong tenant protections. Look into your city/county's tenant rights organization - many can provide free advice on how to communicate with your landlord about temporary payment delays due to banking fraud. Some areas even have emergency rental assistance specifically for crime victims. The timeline everyone's sharing (30-45 days) aligns with what I see professionally. Bank of America is actually pretty reliable with EDD fraud cases compared to some other institutions, even though their communication during the process is terrible. Document everything, stay persistent, and don't hesitate to escalate if you're not getting responses. You will get through this! 🙏

I'm so sorry this happened to you! Reading your post brought back all the stress and panic I felt when I went through this exact situation 8 months ago. Someone drained $3,400 from my EDD card through ATM withdrawals in Phoenix, and I was absolutely terrified I'd lose my apartment. The advice everyone's giving here is incredible - I wish I'd found this community back when I was going through it! A few things that really helped me that I didn't see mentioned yet: 1. Take screenshots of your account showing the fraudulent transactions AND your normal spending patterns from before the fraud. This visual evidence really helps your case. 2. If you have any social media posts, photos, or check-ins that prove you were nowhere near Nevada during the fraud timeframe, save those too. I used Instagram stories showing me at work in California to help prove my case. 3. Consider asking a trusted friend or family member to help you make some of the follow-up calls. The emotional toll of explaining your situation over and over is exhausting, and having someone else handle some of the administrative calls can be a huge relief. 4. Set calendar reminders to follow up every 7-10 days. When you're stressed and panicked, it's easy to forget to stay on top of it. My case took 38 days total to resolve, and I got every penny back. The waiting was absolutely horrible, but it DOES get resolved. Bank of America has to follow federal regulations for fraud investigations, so they can't just ignore your case forever. You're doing everything right by filing reports and seeking help. This community has your back, and you WILL get through this! 💪

I'm new to this community but wanted to share what just happened to me - I discovered $2,850 stolen from my EDD card yesterday through ATM withdrawals in Las Vegas (I'm in San Diego). Reading through everyone's experiences here has been both terrifying and reassuring at the same time. The practical advice in this thread is incredible! I've already called the BofA EDD fraud line at 1-866-692-9374 that Isabella mentioned, filed my police report, and I'm planning to file a CFPB complaint at consumerfinance.gov by next week if I don't get updates. The tip about asking for a "rush" flag due to financial hardship is something I never would have known to request. One thing I wanted to add that might help others - when I called BofA, I specifically asked them to confirm my address on file because of Javier's warning about scammers changing addresses. Sure enough, they had attempted to change it to some address in Nevada! The rep said this actually strengthens my fraud case significantly since it shows clear evidence of account takeover. I'm documenting everything in writing after each call like StarStrider suggested, and I already took screenshots of the fraudulent transactions and my normal spending patterns like Paolo recommended. Having this community share such detailed, real experiences makes this nightmare feel way less overwhelming. Thank you all for creating such a supportive space for people going through this horrible situation. I'll definitely update with my progress in case it helps others! 🙏

I'm so sorry you're going through this nightmare! Reading your story brings back all the panic and stress I felt when someone drained $3,600 from my EDD card 4 months ago through ATM withdrawals in Arizona (I live in Oakland). The advice in this thread is absolutely gold - I wish I'd found this community when I was dealing with my situation! A few additional tips based on my experience: 1. When you call BofA, ask them to email you a confirmation of your fraud claim with the reference number. Having this in writing was crucial when I had to escalate later. 2. Start a detailed timeline document with dates, times, who you spoke with, and what was discussed. This saved me when different reps gave me conflicting information. 3. If you're on any assistance programs (food stamps, Medicaid, etc.), contact those agencies too. Many have emergency protocols for fraud victims that can provide temporary help while you're waiting. 4. Check if your cell phone provider offers location history - mine was able to provide data showing I was nowhere near Arizona during the fraud, which really helped my case. My investigation took exactly 41 days, but I got every single penny back. The waiting was absolutely brutal and I was terrified about rent, but it DOES get resolved. Bank of America is legally required to investigate and they almost always find in favor of legitimate fraud victims. You're doing everything right by acting quickly and seeking help. This community has been such a support system for so many people going through this exact situation. You will get through this! 💙

I'm so sorry this happened to you! I just went through this exact nightmare 2 months ago - had $4,200 stolen from my EDD card through ATM withdrawals in Arizona while I was at home in San Francisco dealing with a family emergency. Reading through all the advice in this thread is incredible - this community really knows what they're talking about! I want to add one thing that made a huge difference in my case: when you call that BofA EDD fraud number (1-866-692-9374), specifically mention that you're at risk of homelessness due to the fraud. They have a special "housing emergency" flag they can put on cases that gets prioritized in their system. Also, don't just file the CFPB complaint online - call them too at 1-855-411-2372. When I called and explained I was facing eviction due to banking fraud, they contacted BofA within 24 hours and I got a call from their executive team the next day. My case was resolved in 29 days total and I got every penny back, plus they expedited a new card with better security features. The waiting was absolutely terrifying but the system does work if you stay persistent and use all the escalation tools available. You're doing everything right by acting quickly and documenting everything. This community has been such a support system - you WILL get through this! Keep us updated on your progress. 💪

I'm so sorry you're dealing with this terrible situation! I just found this community while searching for help with my own EDD card fraud case - someone stole $2,300 from my account through ATM withdrawals in Oregon last week (I'm in Sacramento). Reading through everyone's experiences here has been both scary and incredibly helpful. The detailed advice about filing a CFPB complaint, asking for the "housing emergency" flag, and calling the specific BofA EDD fraud number (1-866-692-9374) is exactly what I needed to know. I had no idea about most of these options! What really stands out to me is how many people actually got their money back, even though the waiting period sounds absolutely brutal. The 30-45 day timeline everyone keeps mentioning gives me hope that this nightmare has an end date, even if it feels impossible right now. I'm going to follow all the advice from this thread - document everything in writing, take screenshots of transactions, file that CFPB complaint by next week, and check if they changed my address. The tip about gathering location evidence (social media posts, work schedules, etc.) is something I never would have thought of but makes total sense. Thank you all for sharing your real experiences and creating such a supportive space. Just knowing there are people who understand exactly what this feels like makes it feel less overwhelming. I'll update with my progress in case it helps others going through the same thing!

I'm so sorry you're going through this nightmare! I just discovered this community while dealing with my own EDD card fraud situation - someone drained $1,650 from my account through ATM withdrawals in Phoenix two days ago (I live in Fresno and have never been to Arizona). Reading through everyone's detailed experiences and advice here has been incredibly reassuring. The fact that almost everyone got their full amount back, even though the waiting period is terrifying, gives me hope that there's actually light at the end of this tunnel. I've already called the BofA EDD fraud line at 1-866-692-9374 and filed my police report, but I had no idea about so many of the strategies mentioned here - the CFPB complaint, the "housing emergency" flag, checking if they changed my address, or requesting email confirmation of my fraud claim. I'm going to implement all of these tips starting tomorrow morning. The advice about documenting everything in writing and taking screenshots is spot-on too. I'm already feeling overwhelmed trying to keep track of who I spoke with and what they told me, so starting that detailed timeline spreadsheet will be a lifesaver. Thank you all for creating such a supportive and informative community. Just knowing there are people who truly understand this panic and have successfully navigated through it makes this feel less isolating. I'll definitely update with my progress to help others who might find themselves in this same horrible situation! 🙏