EDD debit card fraud resolution success - BOA actually paid compensation after 2+ years!

omg thats amazing!!! i had fraud on mine too last year but only got back the exact amount that was stolen. how did u get them to send extra $$$? did u have to file multiple claims or something??

I honestly didn't do anything special! I filed the initial claim through BOA's fraud department back in 2022, followed up maybe once every 3 months, and eventually just gave up. The compensation check came completely by surprise with a form letter saying something about 'extended resolution timeframe compensation' - I guess maybe they're doing this now for claims that took way too long? Definitely wasn't expecting it!

This is really good to know. I'm dealing with a similar issue right now - had $2,340 stolen from my EDD card two months ago. Bank of America keeps giving me the runaround saying they're

Not the OP, but I recently helped a client with this exact situation. Make sure you've submitted a formal dispute through BOA's claims department (not just reported it to customer service). Document everything - dates of unauthorized transactions, when you first noticed them, and keep a log of every contact with BOA including rep names and call reference numbers.\n\nAlso, file a complaint with the CFPB (Consumer Financial Protection Bureau) if it's been more than 45 days without resolution. Banks are required to investigate and resolve claims within 45 days, and a CFPB complaint often lights a fire under them. When my client did this, BOA resolved their claim within 10 days after months of stalling.

consider urself LUCKY!! i had fraud on my edd card back in 2023 and never got a PENNY back from those thieves at bank of america. they said i must have given someone my pin (i absolutely DID NOT). complete BS. i'm still angry about it

That's exactly what I'm afraid of! They keep asking me these leading questions like 'Did you share your card with anyone?' or 'Is it possible a family member used it?' NO! It was stolen through an ATM skimmer I think. So frustrating!

This is a really positive development! The compensation you received appears to be in line with Regulation E requirements for extended resolution timeframes. According to federal banking regulations, if a financial institution takes more than 10 business days to resolve a fraud claim, they're required to provide provisional credit. When they severely exceed standard resolution timeframes (which should be 45-90 days maximum), compensation may be provided.\n\nFor anyone dealing with EDD debit card fraud, remember these important points:\n\n1. File your claim immediately when you notice unauthorized transactions\n2. Submit it in writing as well as by phone \n3. Reference Regulation E specifically in your communication\n4. If more than 45 days pass, file a complaint with the CFPB at consumerfinance.gov\n5. Consider switching to direct deposit for future EDD payments to avoid card-related fraud\n\nThe 50% compensation rate is interesting - I haven't seen that specific formula before, but it's good to know BOA is finally taking these claims seriously.

Thank you for this detailed explanation! I had no idea about Regulation E or the CFPB option. Honestly, after waiting so long, I just assumed they'd decided my claim wasn't valid. This makes me wonder if filing those CFPB complaints might have sped things up. And you're right about direct deposit - I switched to that for my final few payments after this happened, but I wish I'd done it from the beginning.

If anyone is still struggling to reach EDD about fraud issues, I used a service called Claimyr that actually worked for me after weeks of calling. It got me through to a real person at EDD in about 25 minutes when I had been trying for days. They have a demo video at https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km that shows how it works. Really helped me get my claim sorted after fraud locked my account.

does this actually work? i spent like 3 weeks calling edd non-stop when my account got flagged for fraud and could never get thru

@profile8 Yeah it legitimately worked for me. I was skeptical too but was desperate after trying for ages. The key thing is that EDD fraud issues often require talking to a specialist, not just the general reps. Claimyr.com got me through to the right department which made all the difference.

I wish I'd known about this service back when my fraud issue started! I spent so many hours on hold and getting disconnected. Calling EDD was actually worse than dealing with Bank of America, if you can believe it.

I'm currently dealing with EDD debit card fraud and this gives me hope! Question though - did you have to provide any special documentation to Bank of America for your claim? They're asking me for all these statements and proof that I don't even know how to get. The transactions happened at ATMs I've never even been to across the state!

The documentation process was frustrating for sure. I had to provide:\n1. A signed affidavit (they mailed me a form)\n2. A copy of the police report I filed (definitely do this!)\n3. My own record of transactions showing which ones weren't mine\n\nThe most helpful thing was that I had location data on my phone that proved I was nowhere near where the transactions occurred. If you have any kind of alibi evidence like that, definitely include it. Also, be persistent and keep detailed notes of every conversation with BOA representatives.

Has anyone switched from the BOA card to direct deposit? I'm thinking about doing this to avoid future fraud issues but worried about how long the switch takes and if there might be delays in payments during the transition.

Switching to direct deposit is absolutely worth it. The transition takes about 7-10 days to process in the EDD system. Log into UI Online, go to 'Payment Preferences' and select direct deposit. You'll need your bank routing and account numbers.\n\nImportant tips:\n1. Double-check your banking info - errors can cause major delays\n2. Your current card will remain active until the switch is complete\n3. Any funds already on your BOA card will stay there (they won't transfer automatically)\n4. Future payments will go to your bank account once the change is processed\n\nDirect deposit is significantly more secure and gives you immediate access to your bank's fraud protection systems rather than relying on BOA's often problematic customer service.

did anybody else notice that edd/boa fraud got way worse after the pandemic? i swear everyone i know who was on unemployment had their card hacked at some point

YES! I read somewhere that California lost billions to EDD fraud during and after the pandemic. The cards were definitely targeted by sophisticated rings. My neighbor had her card skimmed at a regular gas station ATM. The whole system seems like it wasn't prepared for the scale of fraud attacks.

Wow, this is incredible news! I've been following this community for a while and it's so rare to see a positive outcome with BOA fraud cases. The fact that they actually compensated you for the delay is unprecedented - I've never heard of them doing that before. This gives me hope for others who are still fighting these cases. Did the compensation letter mention anything about this being a new policy or was it just for your specific case? I'm wondering if they're finally feeling pressure from all the complaints and lawsuits over their handling of EDD fraud.

This is such encouraging news! I'm currently 8 months into fighting BOA over $1,200 in fraudulent charges on my EDD card. They initially denied my claim saying I "waited too long" to report it (I reported it within 3 days!). Reading your success story gives me hope to keep pushing. I'm definitely going to file that CFPB complaint that @d4ba18f09350 mentioned - I had no idea about Regulation E requirements. The fact that they actually compensated you for the delay is amazing. I'm curious if you think the length of time (2+ years) worked in your favor somehow, or if it was just persistence? Either way, congratulations on finally getting justice!

This is absolutely incredible and gives me so much hope! I've been dealing with EDD debit card fraud for 14 months now - had $2,150 stolen from my card in January 2024. BOA initially denied my claim saying the transactions looked "consistent with my spending patterns" which was complete nonsense since they were all at ATMs in cities I've never been to. I've been following up every few months but honestly started losing hope after reading so many horror stories on here. The fact that they not only reimbursed you but actually paid compensation for the delay is mind-blowing! I had no idea they were even capable of doing something like that. Did you ever escalate your case to management or file any external complaints during those 2+ years? I'm wondering if I should be more aggressive in my approach. Also, do you still have the letter they sent with the compensation? I'm curious what exact language they used because that could be helpful for others dealing with similar situations. Thank you so much for sharing this - it's posts like yours that keep people from giving up entirely on getting justice from BOA!

This is absolutely incredible to hear! I've been lurking in this community for months reading nothing but horror stories about BOA and EDD card fraud, so seeing an actual success story with COMPENSATION is like finding a unicorn. The fact that they paid you 50% extra for the delay is honestly shocking - I didn't even know that was possible. I'm currently 6 months into my own battle with them over $980 in fraudulent charges. They keep telling me my case is "under review" but reading all the advice in this thread makes me realize I've been way too passive. I'm definitely filing a CFPB complaint tomorrow and asking specifically about Regulation E requirements when I call. One question - do you think the 2+ year timeline actually worked in your favor somehow? Like maybe they realized how ridiculous the delay was and felt they had to compensate you to avoid bigger problems? Either way, this gives me hope that persistence might actually pay off. Thank you for sharing this victory - we need more positive outcomes posted here!

This is such amazing news and honestly gives me chills reading it! I've been dealing with BOA EDD fraud for 11 months now - $1,640 stolen from my card in April 2024. Like so many others here, I've been getting the endless "still under investigation" responses every time I call. What really struck me about your story is that you didn't even do anything special - no aggressive escalation, no CFPB complaints - and they STILL came through with full reimbursement PLUS compensation. That makes me wonder if they're quietly changing their policies behind the scenes due to all the pressure they've been getting. The 50% compensation rate is fascinating too. I'm wondering if that's some kind of standardized formula they've developed, or if it was specific to your case length. Either way, it shows they're finally acknowledging the real financial hardship these delays cause. Your post is literally the first genuinely positive BOA fraud resolution I've seen in this community, and the timing couldn't be better for me. I was honestly starting to consider just giving up and accepting the loss. But reading this makes me want to hang in there and see if maybe they're turning a corner on how they handle these cases. Did they send any follow-up communication about the compensation, or was it just the one letter? I'm curious if there were any strings attached or if it was truly just an acknowledgment of their failure to resolve this in a reasonable timeframe. Thank you so much for taking the time to share this victory - posts like yours are exactly what this community needs more of!

This is honestly the best news I've seen on this forum in ages! I've been following EDD fraud cases here for over a year and I genuinely thought BOA would never voluntarily compensate anyone for their delays. The fact that they sent you an additional $925 without you even asking for it is absolutely unprecedented. I'm currently 9 months into my own fraud case with them ($1,385 stolen) and have been getting the same "under investigation" runaround everyone else mentions. Reading through all these comments about Regulation E and CFPB complaints is eye-opening - I had no idea these resources existed. What gives me the most hope is that you didn't have to fight tooth and nail for this resolution. If they're quietly starting to compensate people for unreasonable delays, maybe there's finally some internal pressure to clean up their act. The 50% compensation formula is really interesting too - I wonder if that's going to become their standard going forward. Thank you for sharing this victory and congrats on finally getting justice! Stories like yours are what keep the rest of us from giving up entirely. I'm definitely going to be more persistent with my own case after reading this thread.

This is absolutely incredible and honestly the first genuinely hopeful news I've seen about EDD debit card fraud in this entire community! I've been lurking here for months reading horror story after horror story about BOA, so seeing someone actually get compensated for their delays is like finding a pot of gold. I'm currently 5 months into my own battle over $1,275 in fraudulent charges. They initially denied my claim saying the transactions were "authorized" even though they happened at ATMs 300 miles away from where I live. I've been calling every few weeks but just getting the same "still investigating" responses. Reading through all these comments has been so educational - I had no idea about Regulation E or the CFPB complaint option. The fact that you got 50% additional compensation without even filing complaints or escalating aggressively makes me think they might be quietly changing their policies due to all the pressure they've been getting. Your success story is giving me the motivation to keep fighting instead of just accepting the loss. I'm definitely filing a CFPB complaint this week and being more persistent with my follow-ups. Thank you so much for sharing this victory - posts like yours are exactly what this community needs more of! 🙌

This is absolutely amazing news and honestly gives me hope that I thought was completely lost! I've been dealing with BOA EDD fraud for 13 months now - had $1,950 stolen from my card in February 2024. Every single call has been the same "still under investigation" nonsense, and I was honestly ready to give up. What's incredible is that you got compensated WITHOUT having to fight tooth and nail for it. That 50% additional payment is something I've never heard of before - it makes me wonder if they're finally feeling enough legal pressure to start doing the right thing proactively. Reading through all these comments about CFPB complaints and Regulation E has been so eye-opening. I had no idea these protections existed! I'm definitely filing a CFPB complaint tomorrow and referencing Regulation E specifically in my next call to BOA. Your story proves that persistence can actually pay off, even when it seems hopeless. After 13 months, I was convinced they'd just keep stringing me along forever. But seeing that they actually came through for you after 2+ years gives me the motivation to keep pushing. Thank you so much for sharing this victory - this community desperately needs more success stories like yours! 🙏

This is absolutely incredible and honestly the first ray of hope I've seen in this community! I've been dealing with EDD debit card fraud for 7 months now - $1,420 stolen from my card back in August 2024. BOA initially told me the transactions were "consistent with my usage patterns" which is complete nonsense since they happened at ATMs in cities I've never even visited. The fact that they not only reimbursed your full amount but actually sent you additional compensation is mind-blowing! I genuinely didn't think BOA was capable of doing something that reasonable. The 50% compensation rate is really interesting - I'm wondering if this might be some new internal policy they've developed due to all the legal pressure and complaints they've been getting. Reading through all the advice in this thread about CFPB complaints and Regulation E has been incredibly helpful. I had no idea these protections existed! I've been way too passive in my approach - just calling every month to "check status" and accepting their "still investigating" responses. Your success story is giving me the motivation to fight harder instead of just accepting the loss. I'm definitely filing a CFPB complaint this week and being much more aggressive in my follow-ups. Thank you so much for sharing this victory - this community desperately needs more positive outcomes like yours! 🙌

This is absolutely incredible and honestly the first genuinely positive BOA fraud resolution story I've seen in months of following this community! I'm currently 10 months into fighting them over $1,680 in fraudulent charges on my EDD card, and reading your success story literally brought tears to my eyes. What gives me the most hope is that you didn't have to wage some epic legal battle - they actually did the right thing eventually, even if it took way too long. The 50% compensation payment is something I've never heard of before and makes me wonder if they're finally feeling enough pressure to start compensating people properly for these ridiculous delays. I've been getting the same "still under investigation" responses for months, but reading through all the advice in this thread about CFPB complaints and Regulation E has been a wake-up call. I had no idea these consumer protections existed! I've clearly been way too passive in my approach. Your story is giving me the motivation to keep fighting instead of just accepting the loss. After 10 months, I was honestly starting to think they'd just string me along forever. But seeing that persistence actually paid off for you makes me want to be more aggressive with my follow-ups and finally file that CFPB complaint. Thank you so much for sharing this victory - this community desperately needs more success stories like yours to keep people from giving up entirely! 🙏

This is absolutely incredible to read! I've been following this community for about 6 months now and have honestly never seen a success story quite like this one. The fact that BOA not only resolved your fraud claim but actually sent you COMPENSATION for the delay is genuinely shocking - I didn't even know that was something they were capable of doing! I'm currently 4 months into my own battle with them over $1,340 in fraudulent charges. They keep giving me the runaround about "additional documentation needed" even though I've sent them everything they've asked for multiple times. Reading through all the advice in this thread about CFPB complaints and Regulation E has been a real eye-opener - I had no idea these consumer protections existed! The 50% compensation rate is fascinating and makes me wonder if this might be some new internal policy they've developed due to all the legal pressure they've been getting. Your story gives me hope that maybe they're finally starting to take these cases seriously instead of just hoping people will give up. I'm definitely going to be more aggressive with my approach now and file a CFPB complaint this week. Thank you so much for sharing this victory - posts like yours are exactly what this community needs to keep people motivated to fight for what's rightfully theirs! 🙌

This is absolutely amazing and honestly gives me so much hope! I've been lurking in this community for months reading nothing but horror stories about BOA EDD fraud cases, so seeing someone actually get their money back PLUS compensation is like finding a miracle. I'm currently dealing with my own situation - just discovered $875 in fraudulent charges on my EDD card last week from ATMs I've never been to. Reading through all these comments has been incredibly educational, especially learning about CFPB complaints and Regulation E protections. I had no idea these resources even existed! What really strikes me about your story is that you didn't have to wage some massive legal battle - they eventually did the right thing even without aggressive escalation. The 50% compensation payment is fascinating and makes me wonder if they're quietly changing their approach due to all the pressure they've been getting. I'm definitely going to be proactive about filing documentation properly and won't let them give me the runaround. Your success story proves that persistence really can pay off, even when it seems hopeless. Thank you so much for sharing this victory - this community desperately needs more positive outcomes like yours to keep people motivated! 🙏