EDD debit card account suddenly closed - can't reach anyone to reactivate or get new card
I've had my EDD benefits going to the Money Network debit card since early 2022 and have about $4,700 sitting in the account. I've been really careful with spending, kept my expenses low, and basically used it as a savings buffer. Yesterday I tried to make a purchase and my card was declined. When I checked the mobile app, it says my account is CLOSED! I never closed it! Called Money Network and they said I need to contact EDD directly as they're the ones who supposedly requested the closure. I've tried calling the main EDD number (1-800-300-5616) multiple times, but there's no prompt for this specific issue, and every time I try to talk to a representative it says they're experiencing high call volumes and hangs up on me. I'm freaking out because that money is MINE and I earned those benefits! Can't visit my local EDD office since I moved from California to Nevada recently (still have the CA card though). Is there ANY way to actually talk to a living breathing person at EDD who can help me reactivate the account or issue a new card? I'm worried if I wait too long, something will happen to those funds!
18 comments
Emma Johnson
omg i had a similar issue last month!!! EDD and Money Network keep pointing fingers at each other and meanwhile YOUR MONEY sits in limbo. so frustrating! try calling right when they open at 8am, that's when i finally got through. also try the alternate number 1-833-978-2511 which sometimes has different queuing. good luck and let us know what happens!
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Leila Haddad
•Thanks for the tip about the alternate number! I'll try calling right at 8am tomorrow. Did you eventually get your account reopened or did they have to issue a new card? And how long did it take?
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Ravi Patel
This is actually a fairly common issue that's happening with older Money Network cards from the pandemic era. EDD has been systematically closing inactive accounts as part of their fraud prevention measures, but sometimes active accounts get incorrectly flagged. You need to speak with EDD's specialized benefits card unit, not the general representatives. When you call the main number, try these steps: 1. Call at 8:01am precisely (not 8:00 - everyone calls then) 2. When the automated system answers, press 1 for English (or 2 for Spanish) 3. Then press 1 for questions about an existing claim 4. Wait for the next menu and press 1 again 5. When asked for your SSN, enter it then press # 6. When the next menu comes, press 4 for payment information This should route you to the payments department. Be prepared with your claim ID and the last 4 digits of your Money Network card. They can reactivate your account or issue a new card to your current address in Nevada.
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Leila Haddad
•These specific instructions are SUPER helpful! I've been trying random combinations of options with no luck. I'll follow this exact sequence tomorrow morning at 8:01. Fingers crossed I get through!
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Astrid Bergström
My cousin work for edd and she told me they are doing account purges of cards that were issued during covid u have to call them DIRECTLY because money network cant do anything once edd flags the account for closure. my cousin says a lot of people with out of state addresses r getting flagged by the system
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Leila Haddad
•That makes sense since I moved to Nevada. So annoying that they'd just close it without any notification though! Did your cousin happen to mention if the funds are safe in the meantime?
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PixelPrincess
I've been through this exact situation and spent WEEKS trying to get it resolved. The regular EDD phone lines are absolutely useless for this specific problem. After trying for days, I found a service called Claimyr that got me through to an actual EDD representative in about 20 minutes. It costs money, but honestly, with $4,700 at stake, it was worth every penny to me. You can check them out at claimyr.com - they have a video showing how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km Once I got through to an actual person, they were able to see that my account was flagged because I hadn't used the card in 90+ days. They removed the flag and had Money Network reactivate my card within 48 hours. If you need a new card sent to Nevada, they can do that too, but it takes about 7-10 business days to arrive.
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Omar Farouk
•does that actually work? feels like paying to get what should be free government service 🙄
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Chloe Martin
I HATE THAT THEY DO THIS!!! I had $2300 in mine and they closed it after I moved to Arizona. Took me FOREVER to get it fixed. The absolute worst part is that they don't even send you a notification that they're about to close your account! Like maybe send an email or a text first? EDD is completely BROKEN and they just don't care about people who actually need that money. One thing I learned: they have a 180-day limit for claiming the money after account closure. So don't wait too long to get this fixed or you could potentially lose access to the funds completely!
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Leila Haddad
•Oh my god, there's a time limit?? Now I'm really panicking. Did you eventually get your money back? Please tell me this has a happy ending.
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Ravi Patel
To address the timeline concern: The 180-day limit mentioned is partially correct, but needs clarification. When EDD closes a Money Network account, the funds don't disappear immediately. There's a 180-day window where getting the account reactivated is relatively straightforward. After that period, the funds get transferred to the state's Unclaimed Property division, where you can still recover them, but it becomes a more complex process. But don't panic! Your funds are still legally yours - California law protects benefit payments even after account closure. The key is to resolve this quickly to avoid the more complicated Unclaimed Property claim process. I recommend documenting all your attempts to contact EDD (dates, times) as this can be helpful if you need to escalate the issue. Also, when you do reach a representative, request a confirmation number or reference number for your case.
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Leila Haddad
•Thank you for that clarification - that makes me feel a bit better knowing the money doesn't just vanish. I've started keeping a log of all my calls and attempts like you suggested. I'll make sure to get a reference number when I finally reach someone.
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Omar Farouk
maybe try the ui online portal? sometmes you can submit a request that way without calling
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Leila Haddad
•I tried UI Online already but there's no option specifically for closed Money Network accounts. The message center doesn't seem to get responses either - I sent three messages last week with no reply.
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Diego Fernández
After I struggled with the same issue last month, I finally got through by using the trick where you call, and as SOON as the automated system picks up, press 0 repeatedly about 4-5 times. Sometimes this bypasses the menu and puts you in the general queue. It doesn't always work, but it's worth trying alongside the other suggestions here. Also, make sure to have your claim ID, last 4 of SSN, and Money Network card number ready when you call. The representatives will ask for all of this to verify your identity, especially since you're calling from out of state. My account was reactivated within 3 business days after I finally spoke with a representative, and they explained they've been closing accounts as part of a "system update" (their words). They were actually quite helpful once I got through to a human.
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Leila Haddad
•Interesting! I'll try the 0 trick too. Did they have to send you a new card or were they able to reactivate your existing one?
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Emma Johnson
any luck yet? curious to know if you got through!
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Leila Haddad
•Update: I tried calling at 8:01am following the menu options that @helpfulEDDguy suggested, and I got through after about 45 minutes on hold! The representative confirmed my account was flagged because of my out-of-state address. She removed the flag and said my Money Network account should be reactivated within 3-5 business days. I also requested a new card to be sent to my Nevada address just in case. Fingers crossed it all works out! Thanks everyone for your help!
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