Whatever you do, don't just ignore it. Even if you think it's wrong, you have to respond within the timeframe or you lose your right to appeal. I learned this the hard way with a different issue.

I went through this exact situation last year with a $3,200 overpayment notice. The key thing is to immediately request all the documentation they used to make their determination - you have a right to see exactly why they think you weren't eligible. In my case, they had incorrect information about my work history that my previous employer never corrected with them. I appealed, provided payroll records and W-2s, and got the whole thing dismissed. The appeal process is intimidating but it's your best shot. Also, if you do end up owing something, they usually offer payment plans rather than demanding a lump sum. Don't panic - just act quickly within that 30-day window.

Just to clarify one more thing - even if you set up direct deposit today, if your first payment has already been processed, it will still go to the KeyBank card. Only subsequent payments will go to direct deposit. So don't be surprised if you still receive a card in the mail even after setting up direct deposit.

Just went through this process myself a few months ago! One tip I'd add - make sure your address is 100% correct in your NY.gov profile before they send the KeyBank card. I had to update mine because I moved recently and didn't want any delivery issues. Also, the KeyBank card works fine but there are some free ATM locations you can use - look for KeyBank or First Niagara ATMs to avoid fees. Direct deposit is definitely the smoother option once you get it set up though!

The NYS Department of Labor overpayment system is SO frustrating! They make it seem like you're automatically guilty and have to prove your innocence. I fought mine for months and they STILL took money out of my tax refund even though I thought I was following their appeal process correctly. Make sure you file that appeal paperwork exactly right!

I went through something similar last year. The key is to act fast on that appeal deadline - don't wait! When I got my overpayment notice, I immediately requested all my records from NYS DOL through their online portal. You can log into your NY.gov account and access your claim history, which will show exactly what you reported each week. Compare that against your actual work records to see where the discrepancy might be. Also, if you can't afford to pay the full amount even if you lose the appeal, they do offer payment plans. Don't panic - you have options!

just a heads up that you still have to do job search activities even if you expect to be called back when work picks up again, learned that the hard way when they audited my claim

As a fellow union member who's been through this process, I can confirm it's pretty straightforward. One thing to add - make sure you file your claim as soon as possible after your layoff date. There's no waiting period before you can apply, and delays can affect when you start receiving benefits. Also, keep good records of all your work search activities from day one, even if you think you'll be called back soon. The NYS Department of Labor takes those requirements seriously during audits. Good luck with your claim!

Just want to say you're not alone in this. So many of us are dealing with these insane delays. Stay strong!

I'm going through the exact same thing - filed in mid-December and still stuck on pending. What's really frustrating is there's no transparency about what's actually causing the delay or any realistic timeline. I've tried calling dozens of times but like you said, either disconnected or told about high call volume. The stress of not knowing when (or if) this will get resolved while bills pile up is overwhelming. Have you tried reaching out to your local assembly member's office? I've heard some people have had luck getting help that way.