Received random Wisely card in mail - is this ny unemployment or a scam?
Got a strange Wisely prepaid card in my mailbox yesterday that I never applied for. It came in a plain white envelope that looked kinda official but also sorta sketchy. After doing some research, I'm hearing it might be related to unemployment benefits being sent this way now instead of direct deposit? I've been collecting unemployment since August after my restaurant shut down, but always got direct deposits. Did NY unemployment switch to sending these cards? Has anyone else gotten one of these recently? I'm worried about identity theft but also don't want to throw away money if it's actually legitimate. The letter with it doesn't clearly say it's from NYSDOL and the activation instructions look generic. What should I do with this thing?
45 comments
Natasha Orlova
Yes! I got one too about 3 weeks ago. I was super confused at first and almost threw it away thinking it was junk mail. After calling the number on the back, I found out it WAS actually my unemployment payment. For some reason NY unemployment switched my payment method without telling me. Had to activate it and transfer the $$ to my bank account. Check if there's money on it!
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CosmicCowboy
•Whoa seriously?? Did you have to give them any personal info to check the balance? I'm paranoid about scams these days.
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Natasha Orlova
•You just need the card number and the security code on the back, plus you set up a PIN. Pretty standard for any debit card. I was sketched out too but it's legit.
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Javier Cruz
•this happened to me to! the activation process was annoying but theres a way to set up direct deposit from the card to ur bank so u dont have to keep using it
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Emma Thompson
After spending WEEKS trying to get anyone on the phone about my screwed up payments, I found this service called Claimyr (claimyr.com) and it got me connected to an actual human at unemployment in less than an hour. Best money I've ever spent to get my benefits fixed fast! They had a live agent call MY phone instead of me waiting on hold forever. Showed them a video about it too: https://youtu.be/Rdqa1gKtxuE
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Malik Jackson
•does that actually work? ive been trying to get thru for literally 2 months now 😩
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Emma Thompson
•100% worked for me. I was desperate after calling for DAYS and getting nothing but busy signals. The callback came in about 45 mins and the agent fixed my issue right away. Talking to a real person makes all the difference.
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Isabella Costa
•Another app promising miracles... I've tried everything to get through to unemployment. What makes this any different?
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Emma Thompson
•It's not an app - they literally just call for you and connect you when a human answers. I was skeptical too but after 5 weeks of getting nowhere myself, it was worth it to get my backpay resolved.
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StarSurfer
•just checked out the youtube video, seems pretty straightforward. might give it a shot tomorrow, tired of this hold music driving me insane 🤪
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Ravi Malhotra
Those Wisely cards are actually issued by NY unemployment. They randomly started switching some people from direct deposit. I had same thing happen in October. There should be a number on the card/materials to call and check your balance. If there's money on it, then it's your benefits.
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Freya Christensen
I got one too and thought it was a scam!!!! But it had actual money from unemployment on it! Apparently NY now uses these cards if theres any kinda 'issue' with your direct deposit (which in my case was literally nothing wrong 🙄). Call the number on back to check your balance first before you do anything else.
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Omar Hassan
•Same thing here! The whole thing is super annoying. Can you switch it back to direct deposit? I hate having to use this random card.
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Freya Christensen
•Yeah u can set up a transfer to your bank account through the Wisely website or app. Or u can just go to an ATM and withdraw the money. Weird system tho fr
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Chloe Robinson
BEWARE OF WISELY CARD SCAMS!!!! There are fake versions of these cards being sent out. Real NY unemployment cards would come with official NYSDOL documentation and explanation. If it doesn't clearly say it's from NY unemployment, it's probably a scam. DON'T ACTIVATE IT without calling unemployment directly first.
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CosmicCowboy
•But I can't get through to unemployment! Been trying for days 😫 That's why I'm asking here if others got the same thing.
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Diego Chavez
•Try claimyr.com - they can get you through to a rep. I was suspicious too but it worked for me.
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Chloe Robinson
•Fair point. The real ones usually have the NY state logo somewhere on the materials. Check for that. If you're not sure, maybe try taking it to your bank and ask them if it looks legit before activating.
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NeonNebula
OH. MY. GOD. This entire system is so broken. Why would they randomly send cards without telling people?? I've had so many issues with NY unemployment changing things without notification. First they stopped letting me certify online for no reason. Then they held my payments for 'review' for 6 weeks. Now they're sending random cards?? I'm so done with this.
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Anastasia Kozlov
•Tell me about it. I've never dealt with such an incompetent system in my life. Can't get through on the phone, website crashes, random payment methods. It's literally like they're trying to make it impossible to get benefits 🤦♂️
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NeonNebula
•For real! I think they WANT us to give up. Less people to pay = more money they save.
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Sean Kelly
Here's what's actually happening with these Wisely cards (I used to work in banking): NY unemployment has been switching some payments from direct deposit to these prepaid debit cards when: 1. There's any kind of issue with your bank account info (even minor) 2. Your claim has been flagged for additional verification 3. You're receiving a retroactive/backpay payment 4. They're trying to clear payment backlogs The cards ARE legitimate but the communication about them has been terrible. You can verify by calling the number on the back and checking if there's a balance. Don't give out your SSN to verify - you should only need the card details and a PIN you create. To avoid fees, either transfer the money to your bank account through their portal or withdraw at an in-network ATM (usually MoneyPass ATMs). Don't keep using the card for purchases as there can be transaction fees. If you're still concerned, try reaching unemployment directly. I've heard claimyr.com can get you connected to a real person faster than trying to call yourself. Hope this helps!
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CosmicCowboy
•Thank you!!! This is exactly what I needed to know. My direct deposit info hasn't changed so I was really confused.
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Zara Mirza
•The real MVP right here 👆 This lines up with what the agent told me when I finally got through.
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Luca Russo
•Can confirm this is accurate. I received backpay on one of these cards after waiting 3 months for them to fix my claim.
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Nia Harris
Just got off the phone with unemployment (miracle of miracles lol). They confirmed they ARE sending these cards out to some people. If you already verified your identity thru ID.me and have been receiving benefits, it's probably legit. If you've never applied for unemployment or havent verified your identity, it could be fraud.
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GalaxyGazer
•How did you actually get through to them?? I've been trying for TWO WEEKS straight!
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Nia Harris
•Used this service called Claimyr that calls for you and connects when they get an agent. After 3 weeks of failing on my own, I was desperate enough to try it. Worked like a charm! claimyr.com
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Mateo Sanchez
I didn't get a wisely card but my coworker did and she said it had her backpay on it that she'd been waiting on for months. Weird that they don't tell u its coming tho!
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Aisha Mahmood
classic ny unemployment move...switching payment methods without telling anyone 🤡 they did this to me in December. checked and had $3400 on the card! almost threw it away thinking it was junk mail smh
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Ethan Moore
•omg I literally just found mine in a pile of mail I was about to recycle. you might have just saved me thousands! 😱
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Aisha Mahmood
•happy to help! def check the balance before trashing it
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Yuki Kobayashi
This happened to me! Called the number on back, activated it, and found out I had $2640 of unemployment benefits on it! The letter should have the money network/wisely logo. Just be careful about fees - they charge for some ATM withdrawals.
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Carmen Vega
yo dont throw it away!!!! i almost did the same thing. ny unemployment is randomly sending these out instead of direct deposit. its so stupid that they dont warn people but its probably ur money
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QuantumQuester
•FR their communication is garbage. Lost 2 weeks of benefits cuz I didn't know I had to recertify after exhausting my initial claim. Now they pull this card nonsense 🤬
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Andre Moreau
The switch to these cards is because of the massive fraud issues NY unemployment has been having. My brother-in-law works for the state and said they're trying to cut down on direct deposit scams. But yeah, they should REALLY tell people before sending these out.
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CosmicCowboy
•Interesting! Did he mention how we can tell if it's legit? Mine doesn't explicitly say it's from unemployment which is what made me suspicious.
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Andre Moreau
•He said the legit ones come with materials that have the Money Network logo (company that runs Wisely) and there should be a toll-free number that matches what's on their official website. You can always call that number to check if there's a balance before providing any info.
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Zoe Stavros
I work at a bank and we've seen a ton of these lately. They're legit prepaid cards that NY unemployment is using for some payments now. You can bring it to your bank and they can help you transfer the funds to your account if you don't want to deal with the card.
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Jamal Harris
ANYONE ELSE NOTICE how they send these cards but make it nearly IMPOSSIBLE to talk to anyone about them!?!?! It's like they WANT people to be confused!!! I've been calling for over a week with no answer. The whole system is designed to make you give up. 😤
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Mei Chen
•Facts. I spent 14 hours on hold last week before giving up. Finally tried this claimyr.com thing someone mentioned here and got through in under an hour. Unemployment system is straight trash.
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Liam Sullivan
It's probly legit but be aware there are FEES with these cards! They charge you after a certain number of withdrawals and there's a fee to transfer to your bank account if you do it wrong. Read all the fine print before you use it.
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Amara Okafor
had same issue with wisely card, nobody could tell me if it was real, ended up being my backpay. the REAL scam is how they dont explain ANYTHING about the process 😂
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CosmicCommander
•seriously! i swear they make it confusing on purpose to save money lol
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Giovanni Colombo
•honestly the whole ny unemployment system is a scam at this point... took me 4 months to get my first payment 💀
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