EDD approved my claim but never received Money Network card - stuck in limbo for months
Hi everyone, I'm at my wits' end with this EDD situation. I filed an unemployment claim back in January and heard absolutely nothing for weeks. Finally managed to reach someone on the phone in mid-April who told me I had selected the wrong payment preference option during my application. The rep said she'd fix it in the system and send me paper certification forms since the online system kept giving me errors. I've been diligently completing and returning these forms for 6 weeks now. When I call the automated system using my PIN, it says I have over $4,500 available, but I've never received a Money Network debit card! The form they mailed mentions that if I want the debit card, I shouldn't sign a certain section, but if I want paper checks, I need to sign and return it. At this point, I'm thinking maybe I should just request paper checks because this is getting ridiculous. The worst part is trying to reach someone - I call right at 8:00 AM when they supposedly open, but the system says they're closed. When I try later for a callback, all the slots are 'already taken.' Has anyone dealt with this payment limbo situation? Should I just request the paper checks instead of waiting for a card that might never come?
18 comments
Ravi Patel
The same thing happened to me in February! The automated system was showing $3,800 in benefits but no card for weeks. Here's what worked: call the Money Network card services directly at 1-866-320-8699 to check if a card was actually issued to you. In my case, they had sent it to my old address even though I updated my info with EDD. If a card was never issued, you need to specifically request one from an EDD rep. And yes, getting through to EDD is a nightmare, but keep trying around 10:30am or 2:15pm - those times worked better for me than the 8am rush.
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Isabella Oliveira
•Thank you so much! I had no idea I could call Money Network directly. I'll try that number today and see if they can tell me anything. And I'll try those specific call times too. Would it be faster to just switch to paper checks at this point? I'm desperate to access these funds.
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Freya Andersen
ur making this 2 complicated tbh... just go on UI online and click on payment prefrence. u can change from debit card to checks there. thts what i did when my card never showed up. took like 5 mins to change and got my 1st check like 10 days later
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Isabella Oliveira
•I wish it were that simple for me! My UI Online account is giving me errors whenever I try to access the payment preferences section - that's why they switched me to paper certification forms in the first place. The whole system seems glitched for my claim for some reason.
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Omar Zaki
I've been stuck in the EDD system for MONTHS and it's absolutely INFURIATING!!! The left hand doesn't know what the right is doing. When they tell you they've fixed something, it's usually NOT fixed at all. I had $6,300 sitting in my account for 3 months with no way to access it because they kept saying a card was issued but it never came. Called that useless automated system 56 TIMES before getting a human. Don't bother with the callback option - complete waste of time!!!
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CosmicCrusader
•I feel your pain... my dad just went through something similar. The EDD system is still a mess even after all these years. It's like they deliberately make it confusing so people give up.
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Chloe Robinson
I've helped several clients with this exact issue. Here's what's happening: when your payment preference isn't properly set in the system, EDD will show benefits as paid in their internal system, but the Money Network card may never get triggered for issuance. You need to: 1. First verify if a card was ever issued by calling Money Network directly (1-866-320-8699) 2. If no card was issued, you must speak with an EDD representative to manually trigger the card issuance OR change to paper checks 3. For the paper check option, you need to complete Form DE 5800 (the one they sent you) and sign in Section 2 to authorize paper checks Since you've been trying to get through to EDD without success, I'd recommend using Claimyr (claimyr.com). They've helped many people get through to EDD quickly when dealing with these payment preference issues. They have a demo video of how it works here: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km In your situation, I'd personally go with the paper checks for now. You can always switch back to the debit card later once you start receiving payments.
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Isabella Oliveira
•Thank you for such a detailed explanation! I've been so confused about Form DE 5800 - now I understand what section 2 is for. I'll sign it and send it back tomorrow. And I'll check out that Claimyr service too since I've wasted dozens of hours trying to get through to EDD.
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Diego Flores
guys edd doesnt even issue there own cards anymore did u know that?? my neighbor works for the state and said money network is some private company that has a contract with california. thats why everything is so confusing nobody knows whos responsible for what lol
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Ravi Patel
•This is correct - Money Network is the financial services provider that issues and manages the debit cards for EDD benefits. That's why I suggested calling them directly since they handle all card issues. EDD handles claim approval and payment amounts, but Money Network handles the actual card distribution. It's definitely confusing!
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Anastasia Kozlov
I went through a similar situation last month. Called and called with no luck. Finally gave up and used that Claimyr service someone mentioned on another thread. Got connected to EDD in about 40 minutes and the agent was able to see that my Money Network card was never triggered to be sent out because of an address verification flag on my account. They fixed it while I was on the phone and my card arrived 8 days later. Sometimes you just need to talk to the right person who can see what's actually happening with your claim. The whole paper vs. card system is ridiculously confusing.
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Isabella Oliveira
•Interesting - an address verification flag could definitely be my issue too. I moved right before filing my claim. Did you have to pay for the Claimyr service? Was it worth it?
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Anastasia Kozlov
Yes, there is a fee, but considering I had already wasted probably 20+ hours trying to get through and had nearly $5k waiting to be accessed, it was completely worth it to me. They don't guarantee you'll get your issue resolved, just that you'll get connected to an EDD rep. In my case, it solved my problem in one call.
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Isabella Oliveira
•That makes sense. I've probably spent 30+ hours trying to get through at this point. I'll try calling Money Network directly first, and if that doesn't work, I'll give Claimyr a shot. Thanks for sharing your experience!
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CosmicCrusader
sOmEoNe PLZ help. I'm reading this thread because I'm having almost the same problem but backwards!!! I specifically asked for paper checks but they sent me a debit card anyway and now my checks are "deposited" to a card I don't want to use!!! The whole system is BROKEN
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Chloe Robinson
•You can still request to switch to paper checks even after receiving the card. Call EDD and ask them to change your payment preference. You'll need to complete Form DE 5800 and check the appropriate box. Any future payments will come as checks, though funds already on the card will remain there (you can withdraw them at an ATM or bank).
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Isabella Oliveira
UPDATE: I called Money Network and they confirmed no card has ever been issued for my claim! They said EDD needs to submit a request for the initial card. I'm going to sign that DE 5800 form for paper checks and also try Claimyr tomorrow morning to speak with an EDD rep. Will update again when I hopefully get this resolved. Thanks everyone for your help!
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Ravi Patel
•Good detective work! This is exactly what I suspected - the payment preference wasn't properly set in the system. Once you get through to EDD, make sure they note in your file that you're switching to paper checks so there's no confusion going forward. Good luck!
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