EDD Money Network fraud charges - will they actually give provisional credit after 10 days?

Yes, I got my provisional credit exactly 10 business days after reporting fraud on my Money Network card earlier this year. Just make sure you've completed all their requirements - signed the fraud affidavit they send and returned it promptly. The provisional credit will show up as a deposit transaction in your account. Once they complete the full investigation (took about 45 days in my case), they'll make that credit permanent if they find in your favor.

they never gave me my money back lol. said i must have shared my card info with someone. complete BS! i never gave my info to ANYONE 😠

The Money Network provisional credit process generally works as described, but you need to be proactive. Here's what you should do: 1. Call again and specifically ask if you need to complete a fraud affidavit - sometimes reps forget to mention this crucial step 2. Document everything - transaction dates, times you called, who you spoke with 3. Check your online account daily for updates 4. If you don't see the provisional credit by day 11, call immediately In most cases, they do honor the 10-day timeline for provisional credit. The permanent resolution can take 45-90 days, but the provisional credit should allow you to pay your rent while they investigate.

OMG SAME THING HAPPENED TO ME!!! Except in my case they used my card at some online shopping site I never heard of. The whole thing is RIDICULOUS. Why doesn't EDD use better security?? I've been waiting 8 days for my provisional credit and checking my account obsessively. This is giving me so much anxiety I can barely sleep. Did they at least give you a new card?

My cousin had this happen last month... he got his provisional credit on day 10 exactly. So they do follow through. But the real problem is how easy it is for people to steal from these cards in the first place! Has anyone switched to direct deposit instead? Wondering if that's safer?

If you need to contact EDD directly about this (which might be a good idea to document your fraud case there too), try Claimyr. I spent days trying to get thru to EDD after my card was hacked and kept getting the "we're experiencing high call volume" message. Used Claimyr.com and got connected to a rep in about 25 minutes. They have a video demo at https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km that shows how it works. Way less stressful than repeatedly calling and getting nowhere.

IMPORTANT: Make sure you CHANGE YOUR PIN and PASSWORD on everything related to your EDD account!! My friend didn't do this right away and they got hit TWICE with fraud charges!! Also check if any of your mailing address info was changed by the fraudsters. They sometimes change your address to intercept the new card!

One more tip - if day 10 comes and you don't see the provisional credit, don't wait. Call immediately and reference your case number. Sometimes their system doesn't process the credit automatically. In my experience, if you call and point it out, they can usually push it through while you're on the phone. The squeaky wheel gets the grease with Money Network customer service.

I went through this exact same situation about 6 months ago - fraudulent charges at gas stations while my card was in my wallet! The good news is that Money Network did honor their 10-day provisional credit promise in my case. Here's what helped me get through it: 1. Keep calling every 2-3 days to check status and show you're actively following up 2. Screenshot everything - your account balance, the fraudulent transactions, any emails they send 3. If you have any legitimate receipts from around the same time period, keep those handy as proof you weren't in Sacramento The waiting is absolutely nerve-wracking, especially when rent is due. I ended up having to borrow money from family just in case, but the provisional credit did come through on day 10. Hang in there - most people do get their money back, it's just a stressful process. And definitely switch to direct deposit after this is resolved!

This is such a nightmare scenario and I feel for you! I had fraud charges on my Money Network card about 8 months ago (someone used it at ATMs in LA while I was at work in the Bay Area). I want to give you some hope - I DID get my provisional credit on day 10 exactly as promised, and the final investigation ruled in my favor after about 6 weeks. A few things that helped me: - I called on day 3 just to confirm they had all my info correct and that seemed to keep my case active - They did email me a fraud affidavit form that I had to fill out and email back - definitely ask about this when you call next - I kept a detailed log of every call (date, time, rep name, what they told me) The stress is real though - I barely slept those 10 days waiting for the provisional credit. But in most legitimate fraud cases like yours (where the charges are clearly in a different city), they do follow through. Just stay on top of it and don't be afraid to call if you don't see that credit by day 11. You've got this!

I'm so sorry this happened to you - fraud on these EDD cards is way too common and it's incredibly stressful when you're already dealing with unemployment. I haven't personally dealt with Money Network fraud, but I've been following these threads for months and wanted to share what I've observed from other people's experiences: The majority of people who report legitimate fraud (like your situation where charges happened in a completely different city) DO get their provisional credit on day 10 as promised. The cases where people seem to have trouble are usually when the fraud is harder to prove or when they miss some step in the process. Based on what others have shared, definitely call back and specifically ask about the fraud affidavit - it sounds like that's a crucial step that some reps forget to mention. Also, since you're in San Diego and the charges were in Sacramento, that geographic distance should work strongly in your favor during their investigation. I know the waiting is torture, especially with rent due, but try to hang in there. Document everything like others have suggested, and don't hesitate to call if you don't see that provisional credit by day 11. Most people in your situation do get their money back - it's just an awful process to go through. Sending you good vibes that this gets resolved quickly!

I'm really sorry you're going through this - having your unemployment benefits stolen when you're already struggling is just devastating. I went through something similar about a year ago with my Money Network card (fraudulent charges at a Target in LA while I was home in Orange County). The good news is that I DID get my provisional credit exactly on day 10, and the final decision was in my favor after about 7 weeks. Here's what I learned from my experience: 1. Call back ASAP and ask specifically about the fraud affidavit - this seems to be a critical step that many reps don't mention upfront 2. When you call, ask for your case/reference number and write it down - you'll need this for all future calls 3. The fact that the charges happened in Sacramento while you're in San Diego is actually great evidence in your favor 4. Set a calendar reminder for day 11 - if you don't see the provisional credit by then, call immediately I know the anxiety is unbearable (I literally couldn't eat for days waiting for my provisional credit), but based on everything I've seen in this community, legitimate fraud cases like yours where there's clear geographic evidence usually get resolved in the victim's favor. The 10-day provisional credit timeline is generally honored for cases like this. Definitely consider switching to direct deposit once this is resolved - I made that switch immediately after getting my money back and haven't had any issues since. Hang in there, and feel free to update us on how it goes!

I'm so sorry this happened to you! I went through almost the exact same thing last year - fraudulent charges on my Money Network card while I was nowhere near where they occurred. The stress is absolutely terrible, especially when you're already dealing with unemployment. Here's my experience: I DID get the provisional credit on day 10 exactly as they promised. The key things that helped me were: 1. **Call tomorrow and ask specifically about the fraud affidavit** - this is super important and many reps don't mention it initially. They'll email it to you and you need to fill it out and send it back ASAP. 2. **Get your case/reference number** when you call - you'll need this for every future interaction. 3. **Document everything** - dates, times, rep names, what they told you. Take screenshots of your account showing the fraudulent transactions. 4. **The geographic evidence is huge in your favor** - Sacramento vs San Diego makes this a pretty clear-cut case of fraud. The waiting period is absolutely agonizing (I checked my account obsessively every few hours), but in legitimate cases like yours where the fraud is obvious, they generally do follow through. My final investigation took about 6 weeks and ruled completely in my favor. Also, once this is resolved, DEFINITELY switch to direct deposit. I made that change immediately after and have had zero issues since. These Money Network cards are way too vulnerable to fraud. Hang in there - based on everything I've seen in this community, cases with clear geographic evidence like yours almost always get resolved in the victim's favor. Keep us posted on how the call goes tomorrow!