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.