EDD overpayment refund taking forever - when will I get my money back?
I'm dealing with a frustrating situation with EDD. Back in January, they determined I had an overpayment of $4,700 from my claim last year. I set up a repayment plan and have been making monthly payments, but I recently discovered they've been taking TOO MUCH from my bank account each month ($375 instead of the $250 we agreed on). I've overpaid by about $1,250 at this point! I called EDD three times last month and finally got through to someone who acknowledged the mistake and said I'd get refunded. It's been 4 weeks and I still haven't received anything. Has anyone dealt with this before? How long does it typically take for EDD to issue refunds for overpayment mistakes? I'm really struggling financially and need that money back ASAP.
20 comments
Vanessa Figueroa
Unfortunately, EDD refund processing can take 6-8 weeks in my experience. When they made a similar mistake with my overpayment plan (they withdrew $320 instead of $200 for three months), it took them almost 2 months to process the refund. Make sure you have everything documented - the dates of the incorrect withdrawals, names of the representatives you spoke with, and any confirmation numbers. You might need to call again and specifically ask for a 'refund status update' as sometimes these requests get stuck in their system.
0 coins
Diez Ellis
•Thanks for sharing your experience. That's really discouraging to hear it could take 2 months! Did they give you any kind of tracking number or reference for your refund? I never received anything like that, which makes me nervous they didn't actually process it.
0 coins
Abby Marshall
omg this happened to my cousin last year!!! they took way too much $ and he didn't even notice for like 3 months!! when he finally got the refund it just appeared in his acct one day. no notice or anything. EDD is such a mess sometims
0 coins
Diez Ellis
•That's exactly what I'm afraid of - that they'll just randomly deposit it with no warning or explanation. Did your cousin remember roughly how long it took for him to get his money back?
0 coins
Sadie Benitez
I work for a nonprofit that assists with EDD issues, and unfortunately, refunds for overpayment collection errors are processed through a completely separate department than regular claim payments. The standard processing time is 4-6 weeks, but it can take up to 12 weeks if there are any discrepancies in their records. I strongly recommend calling EDD again and requesting to speak specifically with the Collections Division (not regular claims). Ask them for a "Refund Tracking Number" which you should be able to use for follow-up. Also, request that they send you a written confirmation of the refund request by mail. If you've already waited 4 weeks and are experiencing financial hardship, you can request an expedited review by specifically using the phrase "financial hardship due to administrative error" when you call.
0 coins
Diez Ellis
•Thank you so much for this detailed advice! I had no idea there was a separate Collections Division or that I could request a Refund Tracking Number. Will definitely call tomorrow and use those specific terms. The financial hardship request is also really helpful - I'm behind on bills because I was counting on having that money back by now.
0 coins
Drew Hathaway
EDD is THE WORST with refunds!!!!! They took $2800 from me that they shouldn't have and it took FIVE MONTHS to get it back!!!! I called literally 50+ times and either couldn't get through or talked to people who had NO CLUE what was happening with my case. The whole system is BROKEN and they don't care at all about our financial situations!!!!
0 coins
Abby Marshall
•five months????? thats crazy!! did u try contacting ur assembly person? i heard they can help sometimes
0 coins
Drew Hathaway
•Yes I did contact my assembly person after month 3 and that's probably the only reason I got it back at all! They're the ones who actually got EDD to process the refund. Should have done that WAY sooner.
0 coins
Laila Prince
Have you tried checking your UI Online account? Sometimes they post updates there about overpayment adjustments that the phone reps don't even know about. Click on the "Overpayment" section and then look for any notices or messages about your repayment plan. There might be some information there about the refund status.
0 coins
Diez Ellis
•I did check UI Online, but there's nothing there about the refund. The overpayment section just shows my original balance and the payments I've made so far. It doesn't even show that I've overpaid or that a refund is in process. The whole thing is so frustrating.
0 coins
Isabel Vega
I had success using Claimyr to get through to an EDD representative about my overpayment refund issue. After weeks of trying to call myself and constantly getting the "maximum callers" message, I tried their service and got connected to an EDD rep within 20 minutes. The agent I spoke with was able to check the status of my refund and expedite it. You can see how it works in their video demo: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km or visit claimyr.com. Definitely worth it when you're trying to get updates on money that's rightfully yours.
0 coins
Diez Ellis
•Thanks for the suggestion. I'm getting pretty desperate at this point, so I might try this service. Did you have to speak with someone specific at EDD once you got through, or were you able to just talk to a regular representative?
0 coins
Isabel Vega
•Once I got through, I asked to speak with someone in the Collections department specifically (like another commenter suggested). The first rep tried to transfer me but I got disconnected, so I used Claimyr again and the second time made sure to ask for a Collections specialist right away. That person was able to see my refund status and help expedite it.
0 coins
Dominique Adams
I went through this exact same situation back in December. They were taking $425 instead of $300 monthly for my overpayment. The key thing that worked for me was documenting EVERYTHING and being super persistent. Here's what I did: 1. Called EDD early morning (right when they open) to avoid the busy signals 2. Asked specifically for the Collections Division 3. Got the name and ID number of every person I spoke with 4. Requested a formal "Payment Reconciliation Review" 5. Asked them to note "financial hardship" on my account 6. Followed up weekly until it was resolved It took about 5 weeks total, but I did get my refund. They don't send any notification - it just appeared in my account one day. The amount was correct, but there was no interest or anything even though they had my money for months.
0 coins
Diez Ellis
•This is incredibly helpful, thank you! I've never heard of a "Payment Reconciliation Review" before but I'll definitely request that. Would you mind sharing what time they open? I want to make sure I'm calling at the right time to maximize my chances of getting through.
0 coins
Dominique Adams
•They open at 8am Monday-Friday. I found the best time to call was right at 8:00-8:05am. The Collections division specifically is open until 5pm. And definitely use the phrase "Payment Reconciliation Review" - it seems to trigger a more formal process on their end.
0 coins
Diez Ellis
Update: I finally got through to EDD this morning! I followed the advice here and specifically asked for the Collections Division and requested a Payment Reconciliation Review. The representative confirmed they owe me $1,250 and said my refund was "in process" but hadn't been issued yet. She put a note on my account about financial hardship and said that should expedite it. She also gave me a tracking number to reference in future calls. She estimated 2-3 more weeks, which is still frustrating, but at least I know it's actually being processed. Thanks everyone for your help - I'll update again when/if I receive the refund.
0 coins
Vanessa Figueroa
•That's great news! Having a tracking number is huge - make sure to keep that safe. The 2-3 week timeframe sounds about right based on current processing times. Glad you're making progress!
0 coins
Drew Hathaway
•Keep calling them EVERY WEEK with that tracking number! Don't trust that they'll actually process it without you staying on top of them. That's what I had to do to finally get my money back!
0 coins