I'm going through something similar right now - have a $2,800 overpayment from last summer and have been religiously making my $125 monthly payments since August. Got the TOP notice in November and filed my taxes last week, so now I'm just waiting to see what happens. From everything I've researched and heard from others, it really seems like once you're in the Treasury Offset Program system, they will take your entire refund up to the amount you owe, regardless of whether you're current on payments. The payment plan with TWC and the federal tax intercept are completely separate processes. One thing that might help - if you're expecting a large refund, you could potentially file an amended return or make estimated tax payments for next year to reduce your withholding. That way you're not giving the government an interest-free loan that TWC will just take anyway. Keep us posted on what happens! Even though it sucks, at least we're all in this together and can learn from each other's experiences.

I've been dealing with TWC overpayments for a few years now and unfortunately can confirm what others are saying - they will likely take your entire refund regardless of your payment plan status. I had a similar situation where I owed about $3,900 and was making consistent monthly payments of $200, but they still intercepted my full $2,650 refund last year. The thing that really helped me was calling TWC beforehand to get the exact status of my account in the Treasury Offset Program. They can tell you if your debt has already been certified for intercept and when it happened. In my case, knowing for certain helped me adjust my expectations and budget accordingly rather than hoping for the best. One small piece of advice - if you do get your refund intercepted, keep all your documentation and follow up with both TWC and the Treasury to make sure the payment was applied correctly to your account. I had to call twice because there was a delay in them updating my balance, which caused some confusion about my remaining debt amount.

I'm so glad I found this thread! I'm in week 22 of my claim and have been absolutely panicking about the waiting week situation. The TWC website is so confusing about this - it barely mentions what happens when you exhaust benefits. Reading through everyone's real experiences has been such a lifesaver! It sounds like the process is much simpler than I feared: just submit the regular payment request and let the system automatically handle the waiting week when you're exhausting benefits. The consistent 5-7 business day processing timeline from everyone's stories is really helpful to know too. I've been losing sleep over this, worried I might miss out on that money, but now I feel so much more prepared. Thank you to everyone who shared their experiences - this community is amazing and so much more helpful than trying to figure things out from official TWC resources alone!

I just wanted to share my recent experience to hopefully help others in this situation. I exhausted my benefits two weeks ago and was in the exact same position as you - super confused about the waiting week and whether I'd actually get it. After reading through various forums and finally getting through to a TWC agent, I can confirm that YES, you absolutely should request your waiting week payment when exhausting benefits. The process is exactly what everyone here has described: submit your regular payment request through the portal just like you normally would, complete your work search requirements, and the system automatically recognizes that you're eligible for the waiting week. Mine took 6 business days to process (longer than the usual 2-3 days for regular payments) but it came through at the full weekly benefit amount with the same tax withholding I had selected. Don't let the confusing TWC website discourage you - you've earned that money and it's rightfully yours when you exhaust benefits. Keep your chin up with the job search too - I know how tough it is out there right now!

This entire thread is a perfect example of why we need better communication from TWC! I've been fortunate not to experience this issue yet, but reading through everyone's experiences has been eye-opening. The fact that so many people have dealt with the exact same "processed but not received" situation shows this is a systemic problem, not individual cases. What really stands out to me is how TWC automatically switches to the ReliaCard during reviews without ANY notification - that's just poor customer service. When people are already stressed about their financial situation, the last thing they need is mystery payment issues. I'm definitely saving all these resources: the Tele-Serv line (800-558-8321), the ombudsman email (ui.ombudsmen@twc.texas.gov), and the ReliaCard customer service (855-282-6161). Plus setting up those text alerts on my ReliaCard account ASAP. Keisha, so glad you got this resolved! And huge thanks to everyone who shared their solutions - this thread is more helpful than anything on the official TWC website.

This thread should honestly be pinned as a comprehensive guide for TWC payment issues! I've been claiming for about 4 months and had no idea about the ReliaCard backup system or how TWC switches payment methods during reviews without notification. Reading through everyone's solutions has been incredibly valuable - especially all the working phone numbers and the tip about setting up text alerts on the ReliaCard. It's really disappointing that TWC doesn't communicate these basic processes clearly, leaving people to figure it out through community support like this. The stress of missing payments when you're already in a tough financial situation is bad enough without having to play detective to find out where your money went. I'm saving all these resources: the Tele-Serv line (800-558-8321), ombudsman email (ui.ombudsmen@twc.texas.gov), ReliaCard customer service (855-282-6161), and definitely setting up those text alerts tonight. Thanks to everyone who shared their real-world solutions - this is exactly the kind of practical help that makes a difference!

I've been struggling with this same error since Monday! It's so frustrating when you're counting on that payment and the system just won't cooperate. After reading through all these incredibly helpful responses, I'm feeling much more hopeful though. I'm definitely going to try the 5:30 AM approach tomorrow since it's worked for so many people here. I'll also try the incognito mode suggestion from @Sofia Martinez - that's such a smart idea since government sites often have session issues. It's amazing how this community has figured out more solutions than TWC has provided! The stress of wondering if something is wrong with your claim when you get such a vague error message is terrible, but knowing this is affecting so many people actually makes me feel better. Thanks everyone for sharing your experiences and workarounds - you're all lifesavers!

I've been dealing with this exact same error since Tuesday! So glad I found this thread because I was starting to think my claim got flagged or something. The "Unable to process your request" message is so unhelpful - like, at least tell us WHY it can't process it! Based on everyone's advice here, I'm going to try the 5AM approach tomorrow morning first, then clear all my browser data if that doesn't work. Has anyone tried using a completely different device? I've only been trying on my laptop but wondering if my phone or a friend's computer might work better. It's honestly ridiculous that we have to become tech support specialists just to get our unemployment payments, but I'm grateful for this community figuring out all these workarounds! Fingers crossed one of these methods works because rent is due Friday and I'm getting desperate.

I'm so grateful this thread exists! I filed my TWC claim 5 weeks ago and have been completely in the dark about why it's taking so long. Reading through everyone's experiences, I now realize my out-of-state work history (worked in North Carolina for 6 months last year) is most likely causing the delay. I had no idea that interstate wage verification was even a thing, let alone that it could add weeks or months to processing time. I've been doing my payment requests and work searches religiously, but the financial pressure is really mounting. Tomorrow I'm going to try calling the wage verification line (512-463-2824) right at 8 AM, and I'll also submit a written inquiry through the TWC website like Zainab suggested. If those don't work, I'll definitely look into Claimyr since it clearly worked for Omar and others. Thank you to everyone who shared their stories and especially to those who followed up with what actually worked - it gives the rest of us hope and a real plan to follow instead of just waiting helplessly!

I've been following this thread closely since I'm dealing with a very similar situation - filed my claim 6 weeks ago and still pending with out-of-state work history from when I lived in Michigan last year. Reading everyone's experiences has been both reassuring and educational. What strikes me most is how TWC doesn't clearly communicate upfront that interstate wage verification can cause such significant delays. Based on all the advice shared here, I'm planning to try the multi-pronged approach: calling the wage verification line (512-463-2824) at 8 AM, submitting a written inquiry through the TWC website, and if needed, using Claimyr. It's incredible how this community has turned what felt like a hopeless situation into an actionable plan. Thank you especially to Omar for starting this discussion and to everyone who followed up with their results - it makes all the difference when people share what actually works rather than just venting about the problems!