How to recover EDD bank levy money after winning overpayment appeal?
After a 7-month battle with EDD, we finally won our appeal hearing last week! The judge ruled we weren't at fault for the so-called 'overpayment' (EDD claimed we owed $4,250). The problem is, before our hearing date, EDD already put a levy on our bank account and seized $275. Now that we've been cleared of any wrongdoing, how do I get that money back? Will EDD automatically refund the levy amount, or do I need to contact someone specific? The paperwork from the judge just says 'claimant not at fault' but doesn't mention anything about returning funds already collected. Has anyone dealt with this situation before? I've tried calling but keep getting the 'too many callers' message.
29 comments


McKenzie Shade
you have to call them and tell them about the judje ruling. they wont do anything automatic trust me
0 coins
Caden Turner
•That's what I was afraid of. Been trying to call for days but can't get through. Do you know if there's a specific department I should be asking for?
0 coins
Harmony Love
I went through something similar last year when EDD wrongly said I had a $2,700 overpayment. They took about $350 from my tax refund before I won my appeal. It took THREE MONTHS to get my money back!!! You have to keep calling and specifically ask for the "Benefit Overpayment Section" and have your appeal case number ready. Don't bother with the regular reps, they'll just transfer you and you'll get disconnected.
0 coins
Caden Turner
•Three months??? That's ridiculous! Thanks for the tip about asking for the Benefit Overpayment Section though. Did you have to provide them with a copy of the judge's decision or did they already have that in their system?
0 coins
Harmony Love
•They should have it in their system but BRING RECEIPTS!!!! I had to fax them a copy of the judge's decision anyway because they claimed they couldn't find it. Make copies of EVERYTHING.
0 coins
Rudy Cenizo
You'll need to submit EDD form DE 800, "Claim for Refund or Credit." This is the official way to request funds be returned after a successful appeal. Include your appeal number, a copy of the judge's decision, and proof of the levy (bank statement showing the withdrawal). Mail it to: Employment Development Department Benefit Overpayment Section P.O. Box 826218 Sacramento, CA 94230-6218 Also important: EDD has up to 90 days to process refund requests, so document everything and follow up if you don't hear back within 45 days. You can also check your UI Online account for updates under the "Overpayment" section to see if they've processed the refund.
0 coins
Caden Turner
•Thank you so much for this detailed information! I had no idea about form DE 800. I'll download it right away and get everything submitted. Really appreciate the mailing address too - that saves me another phone call attempt.
0 coins
Natalie Khan
•Make sure u call too! Don't just mail stuff and hope. They lose paperwork all the time!!
0 coins
Daryl Bright
I've been dealing with EDD issues for years, and getting through to them on the phone can feel impossible. Have you tried using Claimyr? It's a service that helps you get through to an EDD agent without the endless redial nightmare. I discovered it after spending days trying to reach someone about my appeal situation. The video demo shows how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km With your bank levy situation, you definitely need to talk to a human at EDD, not just submit paperwork. Took me 15 minutes to get through with Claimyr instead of days of failed calls. Their website is claimyr.com if you want to check it out.
0 coins
Caden Turner
•I've never heard of this service before! At this point I'm willing to try anything to get through. Those automatic hangups after waiting on hold are infuriating. I'll check out that video demo, thanks!
0 coins
McKenzie Shade
•is that even legit? sounds fishy to me
0 coins
Sienna Gomez
I used to work as an administrative judge for EDD appeals (retired in 2022), and I want to clarify something important: When you win an appeal against an overpayment determination, EDD is LEGALLY REQUIRED to refund any money they collected from you through levies, tax intercepts, or wage garnishments. The problem is that the Appeals Division and Collections Division don't communicate efficiently. You need to do two things: 1. Submit the DE 800 form as mentioned above 2. Contact an actual human at Collections (which is difficult, I know) Don't wait for an automatic refund - it rarely happens without prompting. And keep proof of everything you submit.
0 coins
Caden Turner
•Thank you so much for this insider perspective! It's frustrating that two departments within the same agency don't communicate better. I'll definitely follow through on both suggestions.
0 coins
Natalie Khan
•this is why our tax dollars are wasted!!! systems dont even talk to each other and we have to do THEIR job for them to get OUR money back!! 🤬🤬🤬
0 coins
Kirsuktow DarkBlade
I went through the EXACT same thing in February! Won my appeal after EDD said I had an overpayment, but they had already garnished $420 from my bank account. I sent in the DE 800 form with my appeal decision letter and bank statements showing the levy. Also called EDD (took me 22 attempts over 3 days to finally get through). The agent I spoke with said it would take 6-8 weeks for processing. It actually took 9 weeks, but I did eventually get the full amount back via direct deposit. The agent told me they're dealing with a huge backlog of these refund requests because so many people are winning appeals lately. Just be patient and persistent!
0 coins
Caden Turner
•Wow, 22 attempts over 3 days is brutal! But I'm glad to hear you eventually got your money back. That's encouraging. Did you receive any kind of notification when the refund was processed, or did the money just appear in your account?
0 coins
Kirsuktow DarkBlade
•No notification! The money just showed up one day with a vague description like "CA EDD REFUND" on my bank statement. I was checking my account daily because I needed that money for bills. Keep a close eye on your bank account!
0 coins
Caden Turner
UPDATE: After reading all your helpful advice, I was able to get through to EDD this morning! I used the tip about calling right when they open (8:00 AM) and only had to wait about 30 minutes. The representative confirmed I need to submit the DE 800 form along with copies of my appeal decision and bank statements showing the levy. She said the normal processing time is 45-90 days, but they're working through a backlog right now. I'm mailing everything tomorrow with tracking. Thanks everyone for your help - I'll update again when I (hopefully) get my refund!
0 coins
Harmony Love
•Good luck! Send it certified mail so they can't claim they never got it. That's what happened to me the first time.
0 coins
Rudy Cenizo
•Great news! Make sure to keep the certified mail receipt and tracking number. I recommend following up by phone in about 30 days just to confirm they received everything. The DE 800 refund process usually works, but sometimes they need a little nudge.
0 coins
Liam Fitzgerald
Congratulations on winning your appeal! That's a huge victory after 7 months of fighting. I'm currently going through a similar situation - EDD claimed I had an overpayment of $3,100 and already garnished $890 from my wages before my appeal hearing next month. Reading through all these responses gives me hope that I can get my money back if I win. One thing I noticed from everyone's advice is that you really need to be proactive and persistent with EDD. It sounds like they won't automatically fix things even when they're legally required to. The DE 800 form seems to be the key, along with certified mail and follow-up calls. Keep us posted on how the refund process goes! Your experience could help others in the same boat. Fingers crossed you get your $275 back quickly!
0 coins
Zoe Christodoulou
•Thanks for the encouragement! I really hope your appeal goes well next month. It's frustrating that we have to fight so hard just to get what we're rightfully owed. The whole system seems designed to make it as difficult as possible for people to get their money back. I'll definitely keep everyone updated on my refund progress - it seems like sharing these experiences really helps others navigate this mess. Good luck with your hearing! Make sure you have all your documentation organized and ready.
0 coins
Amara Nnamani
Just want to add that if you have trouble getting through on the phone, try calling the Spanish language line even if you don't speak Spanish - they can transfer you to an English-speaking representative and sometimes the wait times are shorter. Also, if you're still having phone issues, you can try visiting a local EDD office in person. I know it's a hassle, but sometimes face-to-face gets better results than phone calls. Make sure to bring all your paperwork including the appeal decision, bank statements, and a completed DE 800 form. The staff there can help ensure everything gets submitted correctly and might be able to expedite the process. Good luck getting your money back!
0 coins
Malia Ponder
•That's a really smart tip about the Spanish line! I never would have thought of that. The in-person visit idea is also good - there's actually an EDD office about 20 minutes from me. If my mail-in DE 800 form doesn't get processed in a reasonable time, I might try visiting in person with all my paperwork. It's crazy that we have to jump through so many hoops just to get our own money back, but I appreciate everyone sharing these creative workarounds to deal with EDD's broken system.
0 coins
CosmicCadet
I'm dealing with a similar situation right now - EDD seized $180 from my account through a levy two weeks ago, and I just got notice that my appeal hearing is scheduled for next month. Reading through everyone's experiences here is both encouraging and frustrating. It's encouraging to see that people are winning their appeals and eventually getting their money back, but frustrating to learn how broken the system is and how much work we have to do just to get our own money returned. I'm already preparing by gathering all my documentation and I've bookmarked the DE 800 form link so I'll be ready to submit it immediately if I win my appeal. The tip about calling right at 8 AM and asking specifically for the "Benefit Overpayment Section" is really helpful - I'm writing that down for future reference. Thanks to everyone who shared their experiences and timelines. It really helps to know what to expect and that persistence pays off, even if it takes months. I'll definitely use certified mail and follow up regularly. This community has been more helpful than any official EDD resource I've found!
0 coins
Oliver Brown
•You're absolutely right that this community has been more helpful than any official EDD resources! It's sad that we have to rely on each other to figure out how their own system works. Your preparation strategy sounds solid - having everything ready before your hearing is smart. One thing I'd add based on what others have shared is to make multiple copies of everything, including your bank statements showing the levy. Some people mentioned EDD "losing" paperwork, so having backups ready could save you time later. Really hoping your appeal goes well next month! The fact that so many people are winning these cases lately suggests EDD is making a lot of mistakes with their overpayment determinations.
0 coins
Zara Khan
I went through this exact situation about 8 months ago! EDD levied $340 from my account before I won my appeal for a bogus $2,800 overpayment claim. Here's what worked for me: 1. Submit the DE 800 form immediately (as others mentioned) with certified mail 2. Call the Benefit Overpayment Section specifically - don't waste time with general customer service 3. Keep detailed records of every interaction, including names and dates 4. Follow up every 2-3 weeks by phone to check status The whole process took about 11 weeks for me, which was frustrating but I did get every penny back plus a small amount of interest. One thing that helped speed things up was when I mentioned to the rep that I was considering filing a complaint with the California Labor Commissioner - suddenly they became much more responsive. Also, if you haven't already, document any financial hardship the levy caused you (overdraft fees, missed bill payments, etc.). Sometimes they'll reimburse those costs too, though they don't advertise that fact. Stay persistent - you WILL get your money back!
0 coins
Anna Stewart
•This is incredibly helpful, thank you! I love that you got interest on top of your refund - I had no idea that was even possible. The tip about mentioning the California Labor Commissioner is brilliant too. It's amazing how mentioning potential complaints suddenly makes government agencies more responsive. I'm definitely going to keep detailed records of everything like you suggested. Did you have to provide specific documentation for the financial hardship reimbursement, or was it pretty straightforward once you mentioned the overdraft fees? This gives me a lot of hope that persistence really does pay off with these cases!
0 coins
Zara Shah
I'm going through something similar right now - EDD levied $450 from my account last month for an alleged overpayment, and my appeal hearing is coming up in two weeks. Reading through all these responses has been incredibly eye-opening about what to expect if I win. One question I have for those who successfully got refunds: did any of you have to deal with EDD trying to claim they couldn't locate your appeal decision in their system? I'm worried about that scenario since so many people mentioned communication issues between different EDD departments. I'm planning to get multiple certified copies of whatever decision comes out of my hearing just in case. Also, has anyone tried submitting the DE 800 form electronically through their online system, or is mail the only reliable way? I know everyone's emphasizing certified mail, but I'm curious if the online option might be faster for tracking purposes. Thanks to everyone sharing their experiences - it's reassuring to know that persistence eventually pays off, even though the process sounds like a nightmare. I'll definitely be following the advice about calling right at 8 AM and asking specifically for the Benefit Overpayment Section if I win my appeal.
0 coins