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I went through this exact same situation last month when I switched from Bank of America to TD Bank. The returned payment showed up on a Wednesday and I got the redeposit the following Tuesday - so about 6 business days total. What really helped was checking my payment status obsessively on the DOL website because like someone else mentioned, they don't always send email notifications when they reprocess. Also make sure you screenshot everything showing the "returned" status and your correct new bank info just in case you need to prove to an agent later that everything is set up right on your end. The waiting is brutal when rent is due but hang in there - it will eventually go through.
This is super helpful! I'm dealing with the same thing right now - payment got returned yesterday when I switched from Wells Fargo to Chase. Really appreciate you sharing the timeline, gives me hope I might see the money by early next week. Definitely going to start checking the website multiple times a day like you suggested. The screenshot idea is smart too in case I need proof later. Thanks for the reassurance that it does eventually work out!
Been dealing with NY unemployment for 8 months now and this returned payment thing is unfortunately super common. From my experience and talking to others in similar situations, you're looking at roughly 7-10 business days for them to reprocess it to your new Chase account. The really frustrating part is there's basically no way to speed it up unless you can somehow get through to a human agent (which is nearly impossible). One thing that helped me when this happened was setting up text alerts on my Chase account so I'd know immediately when the deposit finally came through, rather than constantly refreshing the DOL website. Also, if you're really tight on rent money, reach out to your landlord NOW and explain the situation - most reasonable landlords will work with you if you give them a heads up rather than just being late without explanation. The system sucks but you'll get your money eventually. Hang in there!
ugh the waiting week thing is so confusing!! I thought it was just gone forever when I didn't get paid the first week. Good to know they actually pay it back eventually
I'm dealing with the same issue right now! Been getting regular payments for 5 weeks but still no waiting week refund. From what I've read on the NYS DOL website, they're supposed to automatically release it after you've received 3 weeks of benefits, but there seems to be processing delays happening system-wide. I've seen some people say it can take anywhere from 4-10 weeks depending on when you filed. Definitely frustrating when you're counting on that money! Let me know if you figure out what's causing the delay.
As a small business owner who's dealt with this before, I understand your concern about rates going up. The good news is that one short-term employee claiming benefits typically won't cause a dramatic spike in your unemployment insurance rates. The system is designed to spread costs over time, and your rates are based on your overall experience rating, not just one claim. Focus on documenting the circumstances of their departure and responding honestly to any paperwork NYS Department of Labor sends you. If they quit without good cause, you have the right to contest the claim.
This is really helpful, thank you! I was panicking thinking my rates would skyrocket immediately. So when you say "document everything" - should I be writing down exactly what they said when they quit? They mentioned the job wasn't what they expected, but I'm not sure if that's detailed enough for NYS Department of Labor if I need to contest.
Yes, definitely write down exactly what they said when they quit! Document the date, time, and their exact words about why they were leaving. "The job wasn't what they expected" could potentially be contested, but you'll want specifics. Did they explain what expectations weren't met? Was it the job duties, work environment, or something else? Also keep any job postings or written job descriptions you provided during hiring to show what was communicated upfront. The more detailed documentation you have, the better position you'll be in if you need to respond to NYS Department of Labor's inquiry about the separation.
This is really solid advice! I'm new to dealing with unemployment claims as a business owner and I'm realizing I should have been more thorough with documentation from the start. When they gave me their two weeks notice, they just said the role "wasn't a good fit" but didn't get specific. I wish I had asked follow-up questions at the time. For future reference, should I be documenting these kinds of conversations immediately after they happen, or is it better to send a follow-up email to the employee confirming what was discussed?
After seeing your post, I wanted to follow up. Were you able to get through to anyone? I know how stressful this waiting game can be.
Yes! I actually used that Claimyr service you mentioned and got a callback in about 30 minutes! The agent was super helpful and verified my identity right over the phone. Had to answer a bunch of questions about my work history and some personal info that matched my tax records. She said my payments should start processing within 3-5 business days. SUCH a relief after weeks of ID.me hell. Thanks for the suggestion!
So glad to hear you got it sorted out! I'm actually dealing with the same ID.me nightmare right now - it keeps rejecting my selfie even though I'm following all their instructions. The lighting thing is so finicky and then it times out halfway through. I've been on hold with NYSDOL for over an hour today but seeing all these success stories gives me hope. Going to check out that Claimyr service too. It's crazy that we have to jump through all these hoops just to get our own benefits!
I feel your pain with the ID.me selfie issues! That lighting requirement is so frustrating - I must have tried it in 10 different rooms with different lighting setups. The timeout issue happened to me constantly too. Definitely try the phone route if you can get through - it's so much easier when you're talking to an actual person who can walk you through the verification questions. Keep us posted on how it goes!
Anderson Prospero
Just went through this myself - had worked 10 weeks at a new job before getting laid off in January. Turns out even though I had the days, my wages were spread across the wrong quarters for the base period calculation. Had to file for an alternate base period review which took another 3 weeks but eventually got approved. The key is understanding that it's about wages earned in specific time periods, not just total days worked.
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Tyrone Hill
•glad it worked out for u! did they backpay you for those 3 weeks while they reviewed it?
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Anderson Prospero
•Yes, once approved I got backpay for the whole period including the review time. Just had to keep filing my weekly claims even though it was pending.
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Mohammad Khaled
I went through something similar recently. The confusion about the "90 days" comes from people mixing up different requirements. NYS doesn't have a strict 90-day rule, but you do need to have worked enough to earn sufficient wages in your base period quarters. Since you worked 8 weeks and earned $4,200, you might actually qualify depending on the timing. I'd recommend calling the DOL directly or filing anyway - sometimes the online system will tell you right away if you meet the monetary requirements. The worst they can do is say no, but you might be surprised. Also keep in mind that if you don't qualify under the regular base period, you can request the alternate base period which uses more recent quarters.
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Nia Davis
•This is really helpful advice! I didn't know you could just file anyway to see if you meet the requirements. That seems way easier than trying to calculate all the quarters myself. Did you end up qualifying when you filed, or did you have to use the alternate base period?
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CosmicCaptain
•I actually qualified under the regular base period, but just barely! I had worked a few different jobs over the previous year which helped me meet the wage requirements. The key thing Mohammad mentioned is so true - the online system does give you an immediate response about monetary eligibility when you start the application. It's much less stressful than trying to do the math yourself with all those confusing quarters. Even if you don't qualify initially, having that alternate base period option as a backup is reassuring.
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