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Harper Collins

DEO hit me with $4,200 overpayment demand - anyone successfully appeal these?

I just received a determination letter from Florida DEO stating I was overpaid $4,200 during my unemployment claim from last summer. They're saying I didn't report some income correctly, but I swear I reported everything exactly as my part-time gig paid me. The letter mentions a 'Notice of Disqualification' and something about 'failure to accurately report earnings' but I don't understand what I did wrong. I'm totally freaking out because there's NO WAY I can afford to pay this back right now. Has anyone successfully appealed an overpayment notice? What documentation do I need? The letter says I have 20 days to appeal but I'm not sure what to say besides 'I can't pay this'. Any advice would be so appreciated!

Yes, I've successfully appealed an overpayment! First, don't panic - you have options. You need to gather ALL documentation showing your reported income: payment stubs, bank statements showing deposits, any communications with employers, and copies of your weekly certifications where you reported income. When you file the appeal, be VERY specific about why you believe the determination is incorrect. Don't just say you can't afford it (though that's understandable) - you need to challenge the factual basis of their determination. Was there a specific week they claim you misreported? Focus on that. Also, if you truly can't pay it back, you can request a waiver of overpayment based on financial hardship, but that's separate from the appeal process. The appeal needs to focus on why the determination itself is wrong. Don't miss that 20-day deadline! You can file the appeal through CONNECT under "Determination, Pending Issue and Decision Summary.

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Thank you so much for the detailed response. I went back through my records and found the weeks they're claiming I misreported. It looks like they're saying I earned $320 more than I reported over a 4-week period. I definitely reported exactly what I was paid though! Should I include a letter explaining the situation with my appeal? And do I need to continue filing weekly claims while this appeal is processing? I'm not currently on unemployment.

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Dylan Fisher

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OMG I'm dealing with this EXACT SAME THING right now!!!! They said I was overpaid $2,800 because I "didn't report income correctly" but I SWEAR I reported everything exactly as I got paid. The system is so confusing and glitchy - sometimes it wouldn't even let me enter the right amounts!!! I've been trying to call them for TWO WEEKS and can't get through to anyone. This is so unfair!!!

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Edwards Hugo

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i had this happen last year. they said i owed them $3k but i fought it and won. the trick is to get someone on the phone who can actually explain what happened. good luck with that tho lol

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Gianna Scott

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The DEO overpayment system is absolutely broken. They're hitting thousands of Floridians with these notices hoping people will just pay without fighting back. I had a $5,600 overpayment notice last year for "unreported earnings" that was 100% THEIR ERROR. Here's what I did: 1. Filed the appeal immediately through CONNECT 2. Called DEO every single day (impossible to get through) 3. Finally used Claimyr (claimyr.com) to get connected to an actual human at DEO - they have a video showing how it works: https://youtu.be/UzW_hbUy-ss?si=zORd51jeq1GX5Ldj 4. Got a DEO agent to look at my file and discover it was a SYSTEM ERROR on their end 5. Had to wait 6 weeks for appeal hearing 6. Won my case and had the overpayment removed DON'T give up, but be prepared for a fight. And definitely get someone on the phone who can look at your specific case details.

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Thank you for sharing your experience! I'll definitely check out that Claimyr service - sounds like talking to a real person is the key. Did you have to do a formal hearing for your appeal? I'm nervous about that part.

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Alfredo Lugo

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man i had this happen in 2023 and i just ignored it tbh. they sent me some letters and I was like whatever. eventually they started taking it out of my tax refund but only like $800 a year. cheaper than paying it all back lol

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Sydney Torres

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This is terrible advice. Ignoring an overpayment notice can lead to garnishment of wages, tax refunds (as you experienced), and even potential legal issues. The interest and penalties will continue to accumulate. The proper approach is to appeal within the 20-day window if you believe the determination is incorrect, or to set up a payment plan if you actually were overpaid.

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When I got an overpayment notice, I discovered it was because they were counting my gross income instead of net income for my 1099 work. I was reporting what actually hit my bank account after fees were taken out, but DEO wanted the pre-fee amount. Check if something similar happened in your case. Also, double-check if they're looking at the right dates for income reporting. Sometimes the pay date from your employer doesn't match the week DEO thinks it should be reported for.

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That's a really good point about gross vs net! I was doing some freelance work and I might have reported the net amount after platform fees. I'll double-check all my payment records against what I reported. Thank you!

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To answer your follow-up question - no, you don't need to file weekly claims if you're not currently on unemployment. For the appeal, I would definitely include a detailed letter explaining the situation. Be sure to include: 1. A timeline of all your work and payments received 2. Copies of payment records that match what you reported 3. Screenshots of your weekly certification answers if you have them 4. Any communications with employers about pay dates The more documentation you have, the better your chances. And don't worry too much about the hearing - it's usually by phone, and the appeals referee will walk you through the process. Just stick to the facts and have your documentation ready.

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Thank you! I've started putting together all my documentation. One more question - do you know if I need to mail the appeal or can I submit it all through CONNECT?

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Caleb Bell

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i think everyones forgetting something important - did you get a determination letter or was it a fact finding? cuz those r different. if its just fact finding you still have a chance to explain before they make final decision

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It's definitely a determination letter. It says "Notice of Determination" at the top and has the appeal information at the bottom. I wish it was just fact finding! Then I wouldn't be so stressed about this 20-day deadline.

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Sydney Torres

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One important thing to know is that Florida law distinguishes between fraud and non-fraud overpayments. If they're alleging fraud (intentional misreporting), the penalties are much higher and can include a 15% penalty plus interest. Check your determination letter carefully - does it say anything about fraud or misrepresentation? If it's just a non-fraud overpayment, you might qualify for a waiver if repayment would cause extraordinary financial hardship. For your appeal, you'll need to focus on these specific issues: 1. Was the determination of overpayment correct? (dates, amounts, etc.) 2. If there was an error in reporting, was it unintentional? 3. If the overpayment determination is correct, do you qualify for a waiver? You can submit your appeal directly through CONNECT, and I recommend doing it that way so you have electronic confirmation of submission. Keep in mind that the appeals division is severely backlogged, so it might take 2-3 months before your hearing.

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I just double checked and it doesn't specifically mention fraud, just "incorrect reporting of earnings" and lists the specific weeks. That's a relief at least! I'll make sure to submit through CONNECT before the deadline. Thanks for the clarification on the different types of overpayments.

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Gianna Scott

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Update on my situation since I shared it above - I had my appeal hearing last month and WON! The referee agreed that I had correctly reported my income and that DEO made the error. My advice after going through this: 1. Be super organized with your documentation 2. Practice explaining your situation clearly and concisely 3. Answer only what the referee asks - don't volunteer extra information 4. Stay calm and professional even if you're frustrated I really think getting someone on the phone before the hearing made all the difference. I was able to understand exactly what they were claiming was wrong, which helped me prepare the right documentation for my case.

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That's amazing! Congratulations! This gives me hope that I might be able to get this resolved. I'm going to try to get someone on the phone this week to understand exactly what they're claiming was misreported. Thank you for the update and tips!

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I went through something similar last year and want to share what I learned. The key thing that helped me was discovering that DEO often makes errors in how they calculate the "week ending" dates for income reporting. What happened in my case was that I was paid on Fridays, but DEO was attributing that income to the wrong certification week. So it looked like I had unreported income when really it was just a timing issue with how they processed the dates. Here's what I'd suggest doing RIGHT NOW: 1. Pull up your old weekly certifications and write down exactly what you reported each week 2. Get your pay stubs/bank statements and note the exact dates you received payments 3. Compare these side by side to see if there's a date mismatch Also, when you call DEO (and you MUST call them), ask them to walk you through exactly which weeks they say you misreported and what amounts. Don't let them just say "you didn't report correctly" - make them be specific about dates and dollar amounts. The appeal process is stressful but totally doable if you have your documentation in order. You've got this!

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Ava Martinez

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This is exactly what happened to me! I was getting paid bi-weekly on Thursdays, but I was reporting it for the week I actually received the money. Turns out DEO wanted me to report it for the week the work was performed, not when I got paid. It's so confusing because the weekly certification asks "did you work" for specific dates, but then the income reporting seems to follow different rules. I'm definitely going to map out my pay dates vs. the certification weeks like you suggested. Did you end up having to pay anything back, or were you able to get the whole overpayment reversed once they understood the timing issue?

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I'm going through the exact same nightmare right now! Just got hit with a $3,100 overpayment notice and I'm completely overwhelmed. Reading through everyone's experiences here is both terrifying and reassuring at the same time. One thing I noticed from my determination letter is that they're claiming I didn't report income for weeks where I KNOW I reported everything correctly. I've been keeping detailed records because I was paranoid about making mistakes, but now I'm second-guessing everything. Has anyone had success with requesting the specific calculation details from DEO? Like, can they show you exactly how they arrived at the overpayment amount? I feel like I'm flying blind trying to figure out what they think I did wrong. Also, for those who successfully appealed - how long did it take from filing the appeal to actually getting a hearing date? I'm worried about the financial stress dragging on for months while this gets resolved. Thanks to everyone sharing their stories and advice. This community is literally the only place I've found real information about dealing with these overpayment nightmares!

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Aisha Jackson

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Hey Giovanni, I totally feel your stress right now! I'm dealing with a $4,200 overpayment myself and just filed my appeal yesterday. From what I've learned reading through all these responses, you CAN request the specific calculation details from DEO. When you call them (and definitely try that Claimyr service someone mentioned), ask them to break down exactly which weeks they're claiming you misreported and the specific dollar amounts. Don't let them give you vague answers - make them show their work! As for timing, it sounds like hearing dates are taking 2-3 months right now because they're so backlogged. I know that's not what you want to hear, but at least we know what to expect. The important thing is getting that appeal filed within the 20-day window. One thing that's helped me stay organized is creating a spreadsheet with my pay dates, the amounts I reported each week, and what my actual income was. It's making it much easier to spot any discrepancies or timing issues like @Chloe Robinson mentioned. Hang in there - it sounds like a lot of people are successfully fighting these if they have their documentation together!

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Isla Fischer

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I'm dealing with this same situation right now - got hit with a $2,950 overpayment notice three weeks ago and I was absolutely panicking at first. After reading through everyone's experiences here, I wanted to share what I've learned so far. The biggest thing that helped me was realizing that DEO makes A LOT of mistakes with these determinations. I spent hours going through my records and found that they were double-counting income from a two-week pay period where my employer paid me for the previous week and current week together. It showed up as unreported income because of how the dates lined up. For anyone just getting started with this process: 1. Don't panic (easier said than done, I know!) 2. Gather EVERYTHING - pay stubs, bank statements, screenshots of your weekly certs if you have them 3. Create a timeline matching your actual pay dates to the weeks you certified 4. File your appeal immediately through CONNECT - don't wait I'm still waiting for my hearing date (filed appeal 2 weeks ago), but getting organized and understanding exactly what they're claiming has made me feel so much more confident about fighting this. The people in this community who've won their appeals all seem to have one thing in common - they had solid documentation and didn't give up. Hang in there everyone - sounds like we have a real fighting chance if we stay organized and persistent!

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