Update: The payment just hit my account this morning! So it took exactly 2 business days (Thursday request -> Monday deposit). Thanks everyone for your help and advice. Such a relief to have this sorted before rent is due!

Congrats on getting your payment sorted! For anyone else reading this who might be in a similar situation - I've found that having a medical emergency is actually considered a "good cause" exception by TWC. If you ever have documentation from the ER visit, you can submit that if there are any issues with your claim. It's worth keeping those records just in case. Hope your kid is feeling better now!

Update on the specific process: After you call the TWC Collections department at 512-936-3338, they'll verify your payment history and TOP offset amount. If they confirm you've overpaid, they'll create an "Excess Offset Refund Request." This goes to their accounting department for review, which typically takes 15-20 business days. If approved, they issue a check - not a direct deposit, even if you normally receive benefits via direct deposit. The check will come from the Texas Comptroller's office, not TWC directly. Keep following up weekly if you don't receive confirmation within 3 weeks.

I'm dealing with a similar situation right now! TWC took my $1,850 refund through TOP even though I've been making payments on my overpayment since December. It's so frustrating because I specifically set up the payment plan to avoid this exact scenario. The lack of communication between their systems is ridiculous - you'd think they'd flag accounts that already have active payment arrangements before sending debts to TOP. I'm going to try calling that Collections number someone mentioned. Thanks everyone for sharing your experiences and advice - at least now I know I'm not alone in this mess!

Hey OP, make sure you're checking your mail too. Sometimes they send important notices about account issues through snail mail (because apparently it's still 1995 🙄

This is so frustrating but unfortunately becoming way too common. I went through the same thing a few months ago - account got flagged out of nowhere even though I'd been filing correctly for weeks. The key is persistence and documentation. Start calling first thing in the morning (like 8am sharp), have your SS card, ID, and any previous correspondence ready. Write down the date/time of every call and who you speak with. It took me about 10 days of daily calls but I finally got someone who could actually fix it. The "system error" excuse is their go-to line but keep pushing. You got this! 💪

To give you the official answer: TWC processes Sunday payment requests during their Monday night batch processing cycle. Your online account status typically updates between 2am-6am Tuesday morning. Direct deposit payments are then sent to your bank on Tuesday, with most banks posting the funds by Thursday (some faster, some slower). If you use the TWC debit card, funds usually appear Wednesday morning. Note that any holidays can delay this standard timeline by one business day.

Just wanted to update everyone - my payment request from Sunday evening did process overnight Monday and showed up in my account Tuesday morning around 6am! Got the direct deposit today (Wednesday) so everything worked out perfectly for rent. Thanks to everyone who helped ease my nerves, especially those who broke down the exact timeline. This community is so helpful for navigating all the TWC quirks!

Thank you everyone for all the helpful responses! I'm going to stick with my midnight plan just to be safe, but I'll prepare for the possibility it might not hit until Friday afternoon or even Monday if there's an extra verification step for first-time direct deposits. I'll definitely check the payment status page on Thursday to see if it shows as processed. Really appreciate all the detailed information - this community has been so helpful during this stressful time!

Just wanted to add my experience as someone who's been through this exact situation! When I first switched from paper checks to direct deposit with TWC, I was also super anxious about timing. Here's what actually happened: I did my Wednesday request around 2pm (not midnight), and my first direct deposit took 3 business days instead of the usual 2 - so it came on Monday instead of Friday. TWC customer service later explained this is normal for the very first direct deposit after switching from checks because they do additional verification. After that first time though, every subsequent deposit has been like clockwork - arrives Friday morning around 9am regardless of what time I submit on Wednesday. My advice would be to have a backup plan for your car payment just in case, since it's your first direct deposit. Better safe than sorry!