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Sofia Rodriguez

EDD froze my Money Network card with $9,000 balance after moving states - need appeal help!

I'm in a total panic right now! I had unemployment benefits back in 2023-2024, and I was really careful with spending - I've still got around $12,500 sitting on my Money Network debit card. About 4 months ago, I relocated to Nevada for a new job opportunity and dutifully updated my address with EDD through my UI Online account. Last month, I got this official letter saying I needed to verify my identity to 'continue certification' - which made zero sense since I haven't been certifying or claiming benefits for months now! I figured it was just some automated system error since I wasn't filing any new claims. Big mistake ignoring it... I just tried to use my Money Network card to pay rent and it was DECLINED! Called the card service and they confirmed my account is FROZEN. Now EDD sent another letter mentioning I have appeal rights, but I'm completely lost on what to do. Do I just submit my ID verification now and explain the confusion? Should I mention that I thought the notice didn't apply to me since I wasn't filing new claims? Will they hold it against me that I ignored their first letter? I desperately need access to my funds - my new job pays less than my previous one and I was counting on that money to get me through the next few months. Any advice would be incredibly appreciated!

Dmitry Ivanov

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This is actually pretty common when people move out of state while still having funds on their Money Network card. The EDD fraud prevention system likely flagged your account when they detected the address change combined with continued card usage outside California. Here's what you need to do for your appeal: 1. Gather your identity documents (CA driver's license/ID, passport, birth certificate, etc.) 2. Write a clear statement explaining that you received benefits legitimately, have relocated, and that you misunderstood the identity verification notice 3. Include proof of your move (new lease, utility bills with your name/address, employment offer letter) 4. Submit everything through your UI Online account using the appeals section Be 100% honest about why you didn't respond initially. The appeals department understands these situations happen. Just emphasize that you received the benefits properly when you were eligible and living in California, and that you're simply trying to access your remaining legitimate balance.

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Thank you so much for this detailed advice! I was so worried they'd just keep my money forever. Should I contact them by phone too, or just do everything through the UI Online portal? I'm just worried about making sure they actually see my appeal documents.

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Ava Thompson

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same thing LITERALLY happened to my brother when he moved to oregon!!! took him like 2 months to get his money back, total bs. good luck dude

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Oh no, 2 months?! I really hope mine doesn't take that long. Did he do anything specific that finally worked to get his card unfrozen?

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The EDD is absolutely ridiculous with these automatic freezes!! They're PUNISHING people for being RESPONSIBLE with their benefits money instead of spending it all at once. I've seen this happen so many times on these forums. I went through something similar last year when I moved to Arizona. The problem is that the EDD and Money Network don't communicate properly, so when you update your address with EDD, the Money Network system flags it as potential fraud because suddenly your card is being used out of state. YOU DID NOTHING WRONG!! Don't let them make you feel bad about missing that notice. Their communications are intentionally confusing and the people who answer the phones barely understand their own systems half the time.

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Zainab Ali

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Yep. The whole system is designed to make it as hard as possible to get YOUR OWN MONEY. They hope people give up trying.

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Connor Murphy

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To successfully appeal this situation, you need to be very specific in your explanation: 1. State that you were legitimately eligible for all benefits received 2. Explain that you relocated to Nevada for employment (provide date) 3. Clarify that you did update your address with EDD properly 4. Acknowledge receipt of the identity verification notice 5. Explain your misunderstanding about the notice (since you weren't filing new claims) 6. Provide clear copies of your identification documents 7. Include proof of your Nevada residence (utility bills, lease, etc.) 8. Request immediate access to your remaining benefit funds Submit this through both UI Online AND via certified mail to ensure it's properly received. The appeal process typically takes 3-4 weeks for these types of administrative freezes. Honestly, in your situation, the truth is your best approach. Many claimants have faced similar issues when relocating with remaining funds on their Money Network cards.

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This is super helpful! I'll definitely send it both ways to be safe. Do you think I should also try to call them to explain the situation or would that not help speed things up?

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Yara Nassar

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have u tried calling them? u might be on hold forever but sometimes u get lucky and can fix things faster talking to a real person

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I tried calling the main EDD number but couldn't get through - just kept getting the message that they're experiencing high call volume. Is there a special number or time of day that works better?

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StarGazer101

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I've been through this exact nightmare. The regular EDD phone number is basically useless - I spent weeks trying to get through before I found Claimyr. They have a service that connects you directly to an EDD rep without the endless hold times. Saved me days of frustration and I got my card unfrozen within a week after talking to someone. You can check them out at claimyr.com - they have a video showing how it works here: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km Honestly, I would do both the appeal AND try to talk to someone directly. When I finally reached an actual person, they were able to look at my account and tell me exactly what documents I needed to submit.

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Thank you! I just checked out their video and that seems way better than spending hours on hold. I'll definitely try this - I can't afford to wait weeks or months to resolve this issue.

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Connor Murphy

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One important thing to note: when submitting your appeal, you need to specifically mention that you were properly eligible for ALL benefits received and are simply trying to access your remaining legitimate balance. The appeals department sees many fraud cases, so you want to make it very clear that your situation is just an administrative issue, not a question of benefit eligibility. Also, there's a difference between the regular EDD appeal form (DE 1000M) and the identity verification appeal. Make sure you're using the correct form - your letter should specify which one to use. Using the wrong appeal form can add weeks to the resolution time.

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Thank you for this clarification! The letter mentions form DE 1326C for identity verification appeals. Is that the right one for my situation?

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Connor Murphy

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Yes, DE 1326C is exactly the right form for identity verification issues. Make sure you fill it out completely and attach copies (not originals) of your identity documents. The most accepted documents are: 1. Government-issued photo ID (driver's license, passport) 2. Social Security card or official document with full SSN 3. Proof of address change (utility bills, lease agreement) The DE 1326C form has a section for explanation - use that space to clearly explain the timeline of events and why you didn't respond to the initial notice. Be concise but thorough.

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This is incredibly helpful - thank you! I have all those documents ready to go. Keeping my fingers crossed this gets resolved quickly.

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Zainab Ali

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Lol welcome to EDD hell. They just LOVE keeping ppl from accessing their own money. My roomate had $4k frozen for 5 MONTHS for basically the same reason. Prepare for a long battle!!

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Oh no, 5 months is terrifying! Did your roommate eventually get access to their funds? I really hope mine doesn't take that long...

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Just wanted to add - while you're waiting for the appeal, check if you can transfer your Money Network card balance to a bank account. Sometimes even when the physical card is frozen for purchases, the online transfer function still works. Worth a shot if you haven't tried it yet!

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I actually tried that yesterday! Unfortunately, the entire account is locked - can't transfer, withdraw, or make purchases. It's completely inaccessible until this gets resolved.

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Dmitry Ivanov

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For anyone following this thread with similar issues: This is why I always recommend transferring EDD funds from your Money Network card to your personal bank account as soon as they hit the card. The Money Network cards are notorious for these kinds of issues, especially with out-of-state moves or travel. If you've moved out of California permanently and don't plan to claim additional benefits, it's especially important to move those funds to your personal bank account where EDD can't restrict access. Just a tip for anyone reading this in the future!

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Ava Thompson

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100% agree!!!! i learned this the hard way too. Money Network cards are a huge hassle

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Diego Fisher

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I went through something very similar when I moved to Texas last year! The key thing that helped me was being super organized with my documentation. Here's what I'd add to the great advice already given: When you submit your DE 1326C form, create a timeline document showing: - Date you originally filed for benefits (2023-2024) - Date you moved to Nevada - Date you updated your address with EDD - Date you received the first identity verification notice - Date you received the second letter about appeal rights This timeline really helped the appeals officer understand that I was being proactive and legitimate throughout the process. Also, if you have any screenshots of your UI Online account showing your address updates, include those too. One more thing - when you write your explanation, mention that you have a new job in Nevada. This shows you're not trying to game the system, you're just trying to access your remaining legitimate funds while transitioning to new employment. The appeals department responds well when they can see you're being responsible and honest about your situation. Good luck! I know how stressful this is, but most of these cases do get resolved once you get the right documentation to the right person.

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Lena Kowalski

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This timeline idea is brilliant! I never would have thought to organize it that way but it makes so much sense. I'm definitely going to create a clear timeline document to include with my DE 1326C form. Having everything laid out chronologically will probably make it much easier for the appeals officer to see that I wasn't trying to hide anything or be deceptive. Thank you for sharing your experience - it's really reassuring to hear from someone who went through this exact situation and came out the other side successfully!

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