NY unemployment deposit of $3500 appeared then vanished from my account - now I'm negative $2300

sounds like someone made a mistake depositing money into ur account and then realized it and took it back. But since you moved some of it, youre on the hook for that. Honestly I'd just wait a bit and see if they contact you. Worst case just setup a payment plan with your bank if they try to collect.

After beating my head against the wall for weeks with ny unemployment, I found this service called Claimyr (claimyr.com) that got me connected to an actual human at unemployment in like 20 minutes. They basically call and wait on hold for you then connect you when someone picks up. I was able to get my issue fixed immediately after talking to a rep. Best money I ever spent considering how much back pay they released for me! Check out their explainer video: https://youtu.be/Rdqa1gKtxuE

Omg i'm dealing with the EXACT same thing but it was $2800 for me!! The money showed up in my account for like 8 hours then disappeared. I've called like 15 times and everyone keeps passing me around. NY unemployment system is completely broken 🤮

Alright I worked for a bank for 5 years so let me explain what probably happened here. This is likely what's called a "provisional credit" that was later reversed. Sometimes when ACH deposits come in, they show in your available balance before they're fully cleared. If something was wrong with the deposit (wrong account, funds not available from sender, etc) then the bank will reverse it. The problem is you transferred some out before the reversal. You need to: 1. Go to your bank IN PERSON and request a complete transaction history including pending and reversed transactions. They 100% have this even if it's not showing in your app. 2. Ask them specifically for documentation of the original deposit - what account it came from, when it was initiated, etc. 3. Contact unemployment with this specific info - not just "money appeared and disappeared" 4. If the bank threatens overdraft fees, ask for them to be waived due to the unusual circumstances. 5. If you can't get anywhere with regular customer service at either place, try reaching unemployment through claimyr.com (they'll get you to a live agent quickly) and escalate at your bank to the branch manager. This is fixable but you need to be persistent and get the right documentation.

I hate to say this but ur probably gonna have to pay that money back... when my ex had something similar happen his bank told him he was responsible even tho it wasn't his fault 🤷‍♀️

The same thing happened to me last month!!! Except mine was for $4200 and I transferred it ALL out because I thought it was my backpay finally coming through. Now they're saying I owe them the full amount back even though it was their mistake. This system is TOTALLY BROKEN. I've been fighting it for weeks.

document EVERYTHING. save screenshots, record phone calls (NY is one-party consent state so its legal), write down names of people you talk to. you're gonna need all this evidence when they try to make you pay it back.

the ny unemployment system glitched hard last week. there was a thread about it in r/personalfinance - apparently a bunch of people had random deposits that were later reversed. someone said it was a test file that accidentally went live.

This is why I always wait at least 5 business days before touching any government money that shows up unexpectedly. Too many horror stories like this. Sorry you're dealing with this mess.

contact your state representative!!! seriously, this worked for me with a different unemployment issue. their office has special contacts at unemployment and can escalate way faster than you can on your own.

FILE A CFPB COMPLAINT!!!! (Consumer Financial Protection Bureau) This will light a fire under your bank's ass to resolve this. They legally have to respond to these complaints. www.consumerfinance.gov/complaint

its a glitch in the matrix bro 😎 government testing how quickly people will take free money lmaooo

Check if this is connected to the recent tax adjustment thing. I know they've been adjusting unemployment tax withholdings for some people. Maybe this was related to that but processed incorrectly?

If all else fails, try the phone service claimyr to get through to unemployment. Then refuse to hang up until they transfer you to a supervisor who can actually help. Regular agents just read from scripts and can't fix unusual problems like this.