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I feel your pain with those KeyBank card fees! I just switched to direct deposit last week and it was such a hassle. The website kept giving me error messages, so I ended up calling the automated line at 888-209-8124 early in the morning around 7:30am. Press 2 for payment options, then 3 for direct deposit. Have your routing and account number ready. If that doesn't work, you might need to talk to a human - I've heard good things about that claimyr service people are mentioning here. Just make sure to double-check all your bank info because any mistakes will delay your payments. Good luck!
Thank you for sharing your experience! It's really helpful to know that the automated line works better in the morning. I'm definitely going to try calling at 7:30am tomorrow with my bank info ready. It's crazy how broken their website is - you'd think they'd prioritize fixing something so basic! Did your direct deposit kick in right away or did it take a couple payment cycles?
I'm going through the exact same thing right now! Been on the KeyBank card for about a month and those fees are ridiculous. I tried the website like 10 times and it keeps crashing when I get to the payment method section. Reading through all these comments, it sounds like calling early morning is the way to go. Has anyone had success with the automated line recently or is it still buggy? I'm hesitant to pay for a service like claimyr but if the phone system is as broken as the website I might not have a choice. This whole system is so frustrating when you're already dealing with being unemployed!
Hey Zara! I went through something similar when I was making about $590/week at my previous job. Just wanted to share a few practical tips that helped me: First, gather all your pay stubs from the past year before you even think you might need to file - NYS likes documentation and it speeds up the process. Second, if you do get laid off, consider setting up direct deposit right away since paper checks can take longer. Also, don't forget that you can work part-time while collecting benefits as long as you report it properly - this might help bridge the gap between your $268-ish weekly benefit and your $1200 rent. The earnings you can make without affecting benefits changes, so definitely ask about that when you file. One last thing - start networking now if possible, because the 3 weekly job search activities go by faster when you have a plan. Best of luck with everything!
@Mae Bennett this is exactly the kind of practical advice I needed! I hadn t'even thought about the direct deposit setup or the part-time work option while collecting benefits. That could definitely help close the gap between the ~$270 weekly benefit and my monthly expenses. The tip about gathering pay stubs now is really smart too - I ll'start organizing all my documentation this weekend just in case. Do you happen to remember what the earnings limit was for part-time work? I m'wondering if I could pick up some gig work or retail hours to supplement without losing benefits.
I'm in a really similar situation - working retail and making about $580/week with potential layoffs coming up. This thread has been incredibly helpful! Based on what everyone's sharing, it sounds like I should expect around $250-270 per week in benefits. I'm definitely going to start gathering my pay stubs and documentation now like @Mae Bennett suggested. One thing I'm wondering about - has anyone dealt with seasonal employment affecting their base period calculation? I worked part-time retail last holiday season before getting my current full-time position, so I'm not sure how that factors into the quarterly earnings they look at. Also really appreciate the tip about Claimyr - the thought of trying to reach NYS Department of Labor by phone sounds like a nightmare!
Make sure you keep documentation of the job offer and your refusal with the reasons why. When you do your weekly claim certification, there might be a question about job offers - just be honest about it. The fact that it requires relocation with your family situation should protect your benefits. You're still required to actively search for suitable work in your area though.
I went through something very similar when I was on unemployment benefits. A job offer that requires a 5-hour relocation from NYC to Rochester definitely falls outside the "suitable work" requirements, especially with your circumstances. The NYS Department of Labor considers factors like commuting distance, family obligations (like kids in school), and caregiving responsibilities (your elderly mom). Document everything - save the job offer email, write down your reasons for declining, and when you file your weekly claim, answer honestly if asked about job offers. You should be completely fine continuing your benefits as long as you keep actively searching for work in your local area.
This is really helpful, thank you! I was so stressed about this whole situation. Just to clarify - when you say "document everything," should I also keep records of other job applications I'm submitting in my area? I want to make sure I'm covering all my bases in case they ask for proof that I'm still actively job searching locally.
Don't forget about SNAP benefits (food stamps) - you can apply online and if you qualify you might get benefits within a week. Also if you have kids there are additional programs available. The stress is real but you'll get through this, just take it one week at a time.
I went through this exact situation last year and it was terrifying. A few things that really helped me survive those first weeks: plasma donation if you're eligible (can make $50-100/week), task-based apps like TaskRabbit or Instacart for quick cash, and don't be ashamed to reach out to local mutual aid groups on Facebook - they often help with groceries and small bills no questions asked. Also, if you're behind on rent, contact your landlord immediately and explain the situation - many will work with you if you're proactive about communicating rather than just disappearing. The anxiety is overwhelming but you're doing everything right by filing your claims on time. This phase won't last forever even though it feels endless right now.
Amina Diop
I went through something very similar when I worked at a clothing store. Got fired for repeated register shortages and tardiness issues - basically the same performance problems you mentioned. I was terrified they'd deny my claim, but NYS Department of Labor approved it without any issues. The key thing is that genuine mistakes and performance issues are treated differently than intentional misconduct. Your employer will likely receive a form asking why you were terminated, but as long as it wasn't willful violation of company policy or dishonesty, you should be fine. Don't let the fear stop you from applying - you've paid into the system and deserve those benefits when you need them!
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Nathaniel Stewart
•Thank you so much for sharing your experience! That's exactly what I was worried about - the register shortages and tardiness sound just like my situation. Did your employer try to contest your claim at all, or did they just accept the Department of Labor's decision? I'm hoping my retail job won't make it difficult since it sounds like they have a pretty clear case that it was performance issues rather than anything intentional.
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AstroAlpha
•@Amina Diop My employer actually didn t'contest it at all! They just filled out the separation form stating it was for performance reasons, and that was it. I think most employers know the difference between firing someone for genuine performance issues versus misconduct, so they don t'waste time fighting claims they know they ll'lose. Just make sure when you file that you re'honest about the circumstances - mention the inventory mistakes and tardiness, but emphasize that it wasn t'intentional or willful misconduct. The Department of Labor really does understand that sometimes people just aren t'a good fit for a particular job, and that shouldn t'disqualify you from benefits you ve'earned.
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Diez Ellis
I work in HR and deal with unemployment claims regularly. What you're describing - inventory mistakes and occasional tardiness - typically falls under "unsatisfactory performance" rather than "misconduct" in NYS. The Department of Labor usually only denies benefits for things like theft, insubordination, violating safety rules, or repeated policy violations after clear warnings. Performance issues, even when well-documented by your employer, generally don't disqualify you. File your claim as soon as possible and be honest about the reasons for termination. Even if your employer provides all their documentation, it will likely support your case since it shows performance issues rather than willful misconduct.
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