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I had issues getting through to KeyBank when I needed help with my unemployment card too. Ended up using Claimyr (claimyr.com) to get connected to an actual NYS Department of Labor agent who could help coordinate with KeyBank. They have a video demo at https://youtu.be/qyftW-mnTNI that shows how it works. Saved me hours of calling around.
The whole KeyBank system is a nightmare tbh. Why can't NYS Department of Labor just do direct deposit like normal jobs? This debit card thing is so outdated and causes nothing but problems when you lose it or it gets damaged.
Congratulations on winning your appeal! I went through something similar a few months ago. In my experience, once the appeal was reversed, I received a notice in my online account within about a week showing the updated payment schedule. The back pay came as one lump sum about 2 weeks after that. Just make sure you keep certifying for benefits each week even while waiting - that was crucial for me to get everything I was owed. Also, screenshot everything in your account showing the reversal decision and payment amounts in case there are any discrepancies later. The whole process was frustrating but I did eventually get every penny I was entitled to from my original filing date.
This is really helpful, thank you! So you're saying I should expect to see something in my online account first before the actual payment? And definitely good advice about screenshotting everything - I've learned not to trust that the system will keep accurate records after going through this whole appeal process. Did you have any issues with the lump sum amount being correct when you got it?
I'm going through the appeal process right now and this gives me hope! Quick question - did you have to do anything special to get the appeal hearing scheduled, or did it happen automatically after you filed? Also, how long did the whole appeal process take from start to finish? I've been waiting 3 weeks just to get a hearing date and I'm getting really anxious about how much longer this might drag on.
honestly the whole system is a mess... i know people who got unemployment while owing child support, back rent, credit card debt - they don't really check that stuff when you apply. just make sure you qualify based on work history and weren't fired for misconduct
Just to add some clarity - I work in tax resolution and can confirm that federal tax debt won't prevent you from getting NYS unemployment benefits. The application process focuses on employment eligibility, not tax status. However, I'd recommend setting aside a portion of your weekly benefits for taxes since unemployment is taxable income. You can request voluntary withholding when you certify each week to avoid a bigger tax bill next year, especially given your existing debt situation.
This is really helpful advice from a professional perspective! I was worried about the tax implications but didn't know I could request withholding upfront. That makes total sense given I already owe money. Quick question - do you know roughly what percentage I should have withheld? I don't want to make my current financial situation worse but also can't afford to dig the hole deeper next tax season.
@Oliver Weber - that s'exactly the kind of expert advice I was hoping to find! I definitely want to avoid making my tax situation worse. Do you think 10% withholding would be enough, or should I go higher given that I m'already behind on taxes? Also, is there any risk that having unemployment income could trigger additional scrutiny from the IRS on my existing debt?
Thanks for the update! This is super helpful - I was literally in the same exact boat last week but chickened out and didn't change my bank info because I was too worried about timing. Seeing that it worked for you gives me confidence to finally make the switch. The fact that you changed it Thursday and still got paid Tuesday in the new account is exactly what I needed to know. Definitely going to take that screenshot advice too!
You should definitely go for it! I was so anxious about the whole thing but it really did work smoothly. Just make sure you do it a few days before you certify to give the system time to process. The Thursday to Tuesday timeline worked perfectly for me, so you should have plenty of buffer if you change it earlier in the week. And yes, definitely screenshot that confirmation page - I wish I had done that for my own peace of mind!
This whole thread has been so reassuring! I'm dealing with a bank merger situation where my routing number is changing next month, so I'll need to update my direct deposit info too. Based on everyone's experiences here, it sounds like the key is giving yourself at least a few days between making the change and your certification date. Really appreciate everyone sharing their real experiences - the official unemployment website is pretty vague about timing for these changes.
Ava Williams
UPDATE: Finally got through to someone after using that Claimyr service someone mentioned above. Turns out there was a system-wide issue this morning that affected a bunch of accounts. The agent was able to reset my account immediately. I'm back in now! Thanks everyone for your help.
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LunarEclipse
•Thanks for the update! I'll try the same thing.
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Connor O'Neill
•Glad you got it resolved! For anyone else experiencing this issue, the system-wide problem should be fully resolved by end of day according to the latest update from Key2Benefits.
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Lim Wong
This is so frustrating! I'm dealing with the same lockout issue right now. Been trying since 7am and nothing works. Really appreciate everyone sharing their experiences and solutions here - it's good to know it's not just me going crazy. Going to try that Claimyr service since I can't afford to wait around on hold all day. The fact that this happens so regularly with their system is ridiculous for something so important as accessing our benefits!
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