Just went through this last month! The trick is to be super persistent with calling KeyBank at 1-866-295-2955 - I called literally 15 times over 3 days before getting through to someone who could actually help. When you do get through, ask them to check if your card was "returned to sender" - that's what happened to mine even though my address was correct. They can expedite a replacement for free if the original was returned. Also make sure to verify your full legal name EXACTLY as it appears on your unemployment application - even spacing matters! Got my replacement in 5 business days after that call. Don't let them tell you to "just wait" - be polite but firm that you need immediate help accessing your benefits! 🙏

Ugh I'm in the same boat! Filed in December and still waiting for my card. The most frustrating part is watching the money pile up online but not being able to buy groceries 😭 Has anyone tried going to one of those check cashing places to see if they can help? I'm getting desperate here and considering any options at this point. Really appreciate everyone sharing their experiences - at least I know I'm not alone in this mess!

I'm in almost the exact same situation! Was laid off from my full-time job last fall, collected benefits for a few months, then worked part-time until recently when that ended too. Reading through all these responses has been incredibly helpful - especially learning about the benefit year vs. new claim distinction. I had no idea about the 10x rule only applying to completely new claims after your benefit year expires. That's a huge relief! I've been putting off dealing with this because the whole system seemed so intimidating, but now I feel like I have a clear path forward. Going to try reopening online first, and if that doesn't work, I'm definitely setting that early morning alarm to call right at 8 AM. Thanks to everyone who shared their experiences - it's amazing how much clearer this all becomes when you hear from people who've actually been through it. Fingers crossed we all get this sorted out soon! 🤞

Hey everyone! Just wanted to jump in and share that I'm also dealing with a similar situation right now. Got laid off from my main job early this year, collected benefits for a while, then took a temporary contract position that just ended. Reading through all these responses has been SO helpful - I had no idea about the difference between reopening a claim vs filing a new one within the benefit year! The advice about calling at exactly 8 AM seems to be the consensus here. I'm definitely going to try that approach since the online system has been giving me nothing but headaches. It's honestly ridiculous how difficult they make this process when people are already stressed about losing income. @Eli Butler - really hope your call tomorrow morning works out! Please keep us updated because I think there are quite a few of us in this same boat who could benefit from hearing how it goes. This thread has been way more informative than anything on the official DOL website. Sometimes you really need to hear from real people who've actually navigated this mess! Good luck to everyone dealing with unemployment bureaucracy right now - we'll get through this! 💪

I went through something similar two years ago. The investigation process took about 6 weeks for me. Here's what I learned: 1) Respond to everything they send you promptly and completely, 2) Gather all records of the unreported work (pay stubs, bank deposits, etc.), 3) Write a clear explanation of why you didn't report it initially. In my case, I genuinely misunderstood the reporting requirements for odd jobs under $100. They still made me pay back $3,200 plus penalties, but no criminal charges. The worst part was the stress of waiting, but being proactive and honest helped. You might also want to consult with an employment attorney for a consultation - many offer free 30-minute consultations for cases like this.

I work for a legal aid organization and see these cases regularly. A few key points: 1) NYS Department of Labor distinguishes between "willful" fraud and "non-willful" overpayments - your explanation matters a lot here. 2) For amounts under $5,000, they rarely pursue criminal charges unless there's a clear pattern of deception. 3) You can request a payment plan if you can't afford the full amount at once. 4) The 15% penalty mentioned is accurate, but they sometimes waive it for first-time offenders who cooperate fully. 5) Most importantly - respond within the deadline they give you (usually 10 days) or they'll make a determination without your input. Document everything and consider it a learning experience rather than the end of the world.

One thing to keep in mind is that even though you can apply anytime, the longer you wait the more potential benefits you're losing. Like if your hours got cut 6 weeks ago and you would have qualified for $200/week, you've already missed out on $1,200 in benefits that you can never get back.

@Jabari-Jo definitely file as soon as you can! I was in a similar situation last year - working retail and had my hours cut from 35 to about 15 per week. I waited almost a month before applying because I didn't realize reduced hours could qualify you for partial unemployment benefits. The application process itself was pretty straightforward online, just make sure you have your employer info and pay stubs ready. Even with reduced hours you might still qualify for partial benefits to help make up some of the lost income. The sooner you file, the sooner you can start getting some financial relief while you look for more hours or another job.

I'm dealing with something similar right now and this post really resonates with me. I made the mistake of not reporting some freelance work I was doing while on unemployment benefits, and I just got my overpayment notice last week. The amount they're claiming is around $2,800 plus penalties. Like you, I was desperate at the time and made a really poor decision. Reading through these comments has been both scary and helpful - it sounds like most people who cooperate and set up payment plans avoid the worst consequences. I'm planning to call them tomorrow to discuss my options. Thanks for being brave enough to share your experience because it helps the rest of us know we're not alone in this mess.

I really appreciate you sharing this experience - it takes courage to admit mistakes and warn others. I'm currently on unemployment and seeing your post is making me double-check that I've been reporting everything correctly. It's scary how easy it seems to be for them to find unreported income through cross-referencing records. From what everyone is saying here, it sounds like your best bet is full cooperation and setting up a payment plan. $4,200 is definitely not a small amount but it doesn't seem to be in the range where they typically pursue criminal charges. Have you considered reaching out to any local legal aid organizations? Sometimes they offer free consultations for situations like this and could help you understand your rights during the appeals process. Stay strong - this is going to be stressful but it's not the end of the world and you'll get through it.