Money Network card fraud investigation taking forever - anyone know typical EDD timeframes?
I discovered some suspicious transactions on my EDD Money Network card last week - almost $1,200 drained from purchases I never made at stores I've never visited! I immediately called Money Network to report the fraud (waited like 2 hours to speak with someone), and they said they've opened an investigation. They temporarily disabled my card and said I'd get a new one, but I have NO IDEA how long this process takes. I'm completely broke now with rent due in 10 days. Has anyone gone through this fraud claim process before? How long until they credit the money back to my account? The rep was super vague about timeframes and just said "it varies." I can't even access my remaining benefits while this is happening!
16 comments
Join the conversation
CosmicCruiser
oh man, the EXACT same thing happened to me back in February! someone spent almost $900 at electronics stores in a city I've never even been to. Money Network is THE WORST with these investigations - took them 45 days to credit my account back. FORTY FIVE DAYS!!! meanwhile i had to borrow money from family just to pay my utilities. they dont care at all that you have bills that need paying.
0 coins
Diego Vargas
•45 DAYS?! Are you serious? I literally can't wait that long. Did you have to keep calling them to check on the status or did they actually update you?
0 coins
Anastasia Fedorov
I work at a nonprofit that helps people with UI issues. For Money Network fraud claims, the official timeline is 10 business days for their initial investigation, but the full resolution with funds returned typically takes 20-30 calendar days. Here's what you should do: 1. Document everything - dates of fraudulent charges, when you reported it, confirmation numbers 2. Call Money Network again and request an "expedition of claim due to financial hardship" - this can sometimes speed things up 3. Ask them to issue an immediate provisional credit while they investigate (they won't always do this, but it's worth asking) 4. If you're waiting more than 10 business days, you can also file a complaint with the CFPB (Consumer Financial Protection Bureau) which sometimes speeds up their response The process is frustrating but they are legally required to investigate and return fraudulent charges.
0 coins
Diego Vargas
•Thank you so much for this detailed information! I didn't know about asking for an expedition due to hardship - I'll definitely call back and request that. I've already started documenting everything. Do you know if filing the CFPB complaint will make Money Network treat my case negatively? I'm worried about rocking the boat too much.
0 coins
Sean Doyle
my cousin had fraud on his card last year and got money back in like 2 weeks so maybe its not always super long?? he said they were actually pretty helpful once he got someone on the phone
0 coins
Zara Rashid
I had a similar issue in December. It's CRITICAL that you continue certifying for benefits during this investigation period, even though you can't access the money right now. If you stop certifying, it creates a whole other problem to fix later. Also, have you tried calling EDD directly? Sometimes they can help escalate these Money Network issues or provide emergency assistance. The problem is actually reaching a real person at EDD...
0 coins
Luca Romano
•Getting through to EDD is nearly impossible these days! I was in the same situation last month and discovered Claimyr (claimyr.com) - it's a service that helps you reach an actual EDD agent without the endless redials and busy signals. They have a good demo video of how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km It's the only way I was able to get help with my Money Network issue. Once I actually spoke with an EDD rep, they helped coordinate with Money Network to speed up my case review. Definitely worth it when you're dealing with time-sensitive money problems.
0 coins
Nia Jackson
Money Network is THE WORST!!!! I had my card hacked twice and switched to direct deposit after that. If u have access to ur UI Online account u should switch to direct deposit immediately for any future payments. Won't help with the current fraud situation but will prevent it happening again.
0 coins
NebulaNova
I know this doesnt answer your question about timeframes but make sure you change ALL your passwords for everything financial!! When my Money Network card got hit with fraud, they somehow also got into my email and were trying to reset passwords on other accounts. The fraud investigators never mentioned this to me but my bank flagged suspicious login attempts.
0 coins
Diego Vargas
•Oh wow, I hadn't even thought about that. I'll change my passwords right away. Thanks for the tip!
0 coins
Anastasia Fedorov
Quick update on timeframes - I checked our case records and for Money Network fraud claims in 2024-2025, we're seeing: - Simple cases (under $500, clear evidence): 10-15 days for resolution - Medium cases ($500-$2000, typical evidence): 15-30 days - Complex cases (over $2000 or multiple transactions): 30-45+ days Remember to keep calling every 3-4 days for status updates. Many people find their claims suddenly "accelerated" after persistent follow-up calls. And definitely mention the financial hardship aspect - that has helped several of our clients get provisional credits while waiting for the full investigation.
0 coins
Diego Vargas
•This is incredibly helpful, thank you! Mine would fall in the medium category then. I'll start calling them regularly to check status. Really appreciate your expertise!
0 coins
Sean Doyle
did you file a police report?? my friend said that made his claim go faster cause the fraud people took it more seriously when he had a report number to give them
0 coins
Diego Vargas
•I haven't filed a police report yet. I didn't realize that might help speed things up. I'll look into doing that tomorrow. Thanks for the suggestion!
0 coins
CosmicCruiser
update on my situation from February - after 45 days they denied my claim!!! said not enough evidence it wasnt me making the purchases even tho it was 300 miles away from where I live! had to appeal and then it took ANOTHER 30 days but i finally got my money back. the whole system is designed to make u give up honestly
0 coins
Zara Rashid
•This is why documentation is so important. Always ask for transaction details including IP addresses and device information for online purchases. For in-store purchases, request the signature verification if they claim it was signed for. Many people don't realize they need to specifically request this level of detail during the investigation.
0 coins