Need to repay NY unemployment overpayment of $1200 but no instructions - how to pay it back?
I was notified about a month ago that I was overpaid $1200 in NY unemployment benefits and that I need to pay it back. The weird thing is, they haven't taken anything out of my account automatically and I haven't received ANY instructions on how to actually make the repayment. Nothing in my email, nothing in my mail, nothing in my online account portal. I just hate owing money and want to get this resolved ASAP before it somehow affects my credit or something. Has anyone dealt with this? How do I actually pay back an unemployment overpayment when they don't tell you how?
18 comments
StarStrider
I had this exact same issue last year! The NYSDOL system is so frustrating. After weeks of trying to get through on the phone, I found a service called Claimyr (claimyr.com) that got me connected to an actual agent in about 20 minutes. They have a video showing how it works: https://youtu.be/Rdqa1gKtxuE. The agent explained that overpayment notices often arrive before the payment instructions, which is terrible communication on their part. They helped me set up a payment plan since my overpayment was pretty significant. Definitely worth checking out if you're struggling to get answers.
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Zara Ahmed
•Thanks for the recommendation. Did they charge any extra fees or penalties for the overpayment? I'm worried this $1200 might grow if I don't handle it fast enough.
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Luca Esposito
You should have received Form IA797 (Overpayment Recovery Notice) which explains your repayment options. Since you didn't get it, you need to: 1. Log into your NY.gov account 2. Go to 'Messages' in your unemployment dashboard 3. Look for overpayment documentation there If nothing appears there, call the Overpayment Recovery Unit at 1-800-533-6600. They can send you the payment instructions and even set up a payment plan if needed. Don't ignore this - unpaid overpayments can be sent to collections, result in tax refund interception, or affect future benefits.
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Nia Thompson
•i had to pay back 700 last yr wasnt so bad. they let me do 50 a month!! just sayin its not the end of the world lol
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Mateo Rodriguez
one thing they NEVER tell you is that there are different numbers for different problems!! u keping calling the main number for HOURS. worst system ever. lol
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Aisha Abdullah
•This is absolutely correct. NY unemployment has separate departments for each type of issue. For overpayments specifically, you need to contact the Overpayment Recovery Unit at 1-800-533-6600 (weekdays 8:30am-4:30pm). They handle all repayment arrangements and can explain your options including lump sum payments or installment plans. The main unemployment line won't transfer you there directly, which is incredibly inefficient.
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Ethan Wilson
OMG the SAME THING happened to me in January!!! They said I owed $2700 and I FREAKED OUT because that's like almost all my savings!!! I kept checking my mail everyday and my email and nothing came for instructions. I was so scared they would garnish my wages and I really need every penny right now. I finally got someone on the phone after literally 9 times trying and they told me there was a GLITCH in their system for sending out the instruction letters. Can you believe that? A GLITCH?! After all the stress they put me through!!! Did you try calling the 533-6600 number yet? I'm still paying mine off...
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NeonNova
•I never recieved any overpayment instructions either but then they just started taking a percentage of my weekly benefits without warning. Check if you are still getting benefits because they might just do this automatically. Not sure if this helps since you said you're not seeing deductions.
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Aisha Abdullah
Here's what you need to know about NY unemployment overpayments in 2025: 1. You have three payment options: - Pay in full online through your NY.gov account - Set up a monthly payment plan (minimum $100/month) - Send a check/money order to: NYSDOL Overpayment Recovery, PO Box 1195, Albany, NY 12201 2. Important: Include your Overpayment ID number on all payments (should be on your initial notice) 3. If you can't find your Overpayment ID, call 1-800-533-6600 4. There's no interest on standard overpayments if you set up a payment plan within 30 days 5. The department is legally required to provide payment instructions - if they didn't, document all your attempts to resolve this I recommend checking your NY.gov account first - they've recently updated the system to include a dedicated "Overpayment Management" section.
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Zara Ahmed
•This is SUPER helpful! I just checked and I don't seem to have an Overpayment ID number anywhere on my account or in the notice. I guess I really do need to call them. At least I know what I'm looking for now.
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Nia Thompson
just wait theyll take it from ur tax refund next year prob. thats what happend to my brother lol
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Ethan Wilson
•That's TERRIBLE advice!!! They report to credit bureaus and can add penalties!!! Don't just ignore it!!! 😱😱😱
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NeonNova
My gf works at the unemployment office actually...she says tons of people never get the instructions packet. It's a known issue they just won't fix. So annoying.
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Zara Ahmed
•That's crazy! You'd think they'd prioritize fixing issues related to collecting money. Thanks for the insider perspective.
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Luca Esposito
Quick update on overpayment procedures for 2025 - NYSDOL recently launched an online repayment portal that might not be visible in all accounts yet. Go to https://labor.ny.gov/signin and after logging in, check under "My Online Forms" for "Overpayment Resolution." This new system was rolled out in March but is still being implemented across all accounts. If you don't see it, use the methods I described in my earlier comment.
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StarStrider
•I just used this new portal last week and it worked great! Much easier than the old system. It even lets you upload documentation if you want to contest the overpayment. Definitely recommend checking for this option first.
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Zara Ahmed
UPDATE: I finally got through to the Overpayment Unit using the number you all suggested! Turns out they DID send instructions, but to my old address from 2 years ago (even though my current address is in the system). The rep was actually really helpful and set me up with online payment access. For anyone else dealing with this - definitely call the specific overpayment number (1-800-533-6600) rather than the main unemployment line. Thanks everyone for your help!
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Luca Esposito
•Excellent! Glad you got it resolved. Just make sure to keep all confirmation numbers and receipts for your payments. It's not uncommon for their system to have payment recording issues, so documentation is key.
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