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I've been dealing with TWC and Navy Federal for about a year now, and I can definitely relate to the confusion when you're just starting out! The good news is that Navy Fed is actually one of the better banks for unemployment deposits - they're usually pretty quick and reliable. For Thursday filing, here's what I typically see: TWC processes it Friday, shows "released" by Monday, and Navy Fed deposits it Tuesday morning (sometimes as early as midnight Monday night). The key thing is to check your TWC account for the status change to "released" - that's when you know Navy Fed should have it within 24 hours. Since you mentioned this is only your second payment, don't worry if it takes a few extra days this time. TWC sometimes does additional verification on the first couple payments, especially if you're new to the system. Also make sure you completed all 3 work search activities correctly - that's the most common reason for payment delays. If you don't see it by Wednesday, that's when I'd start checking with TWC to see if there are any issues. But based on your timeline, I'd expect to see it in your Navy Fed account Tuesday morning!
Thank you so much for this comprehensive breakdown! It's really helpful to hear from someone who's been through this process for a full year. I feel much better knowing that Navy Fed is considered one of the better banks for unemployment deposits. I just checked my TWC account again and it's still showing "processed" but not "released" yet, so I'll keep watching for that status change. I did complete all 3 work search activities, so hopefully that won't be an issue. Your timeline of Tuesday morning deposit for Thursday filing really helps set my expectations. I'll try to be patient and wait until Wednesday before getting concerned. Thanks for taking the time to share your experience - it definitely eases the anxiety of being new to this whole process!
Hey Eve! I've been using Navy Federal for my TWC payments for about 5 months now, and I can definitely help ease your worries. Since you filed Thursday and it's showing as "processed" in your TWC account, you're right on track! With Navy Fed, once TWC shows "processed," it usually takes 1-2 more business days to show "released," then Navy Fed typically deposits it within 24 hours of that release. For Thursday filers like us, I usually see my payment hit my Navy Fed account on Tuesday mornings (sometimes as early as 2-3 AM). Since this is your second payment, it might take an extra day or two while TWC is still verifying everything is set up correctly in their system - totally normal! One tip that's helped me: log into your Navy Fed account and set up account alerts for direct deposits. That way you'll get a text or email the moment it hits, instead of constantly checking. Also, if you want to track it more closely, the TWC payment status usually updates in the evening, so check after 6 PM for the most current info. Don't stress if you don't see it until Wednesday this time - the first few payments can be a bit less predictable. After that, it becomes very routine!
This is so helpful, thank you! I'm definitely going to set up those account alerts right now - that's a much better strategy than obsessively checking my account every few hours like I've been doing. It's really reassuring to hear that the first few payments being less predictable is totally normal. I was starting to worry that I had done something wrong with my filing. Your Tuesday morning timeline matches what several other Navy Fed users have shared, so that gives me a lot more confidence about when to expect it. I'll check my TWC status after 6 PM tonight to see if it's moved to "released" yet. Thanks for taking the time to share your experience - it really helps to hear from people who've been through this routine for a while!
I was in your exact situation back in November. The payments just stopped with no explanation. Turns out they were doing a quarterly review of my claim (they do this routinely) and something flagged their system. I don't even know what it was, but once I finally got someone on the phone they fixed it right away. I wasted about 3 weeks trying to call them myself before I finally got through. So annoying but hang in there!
It's so stressful when the money just stops coming with no clear explanation! I'm glad you got it sorted out. I managed to get through using Claimyr and got my issue resolved too.
So glad to hear you got this resolved! For anyone else reading this who might be dealing with similar issues, here are a few additional tips that might help: 1. Always screenshot your payment request confirmations - sometimes the system glitches and doesn't record that you submitted one 2. Keep detailed records of all your work search activities with dates, company names, and contact info in case they audit your searches 3. If you move or change phone numbers, update BOTH your TWC account AND your ID.me account immediately 4. Check your correspondence tab at least twice a week - don't rely on email notifications The system definitely has its problems, but most payment holds can be resolved once you figure out what triggered them. Don't give up - you're entitled to those benefits if you qualify!
These are really helpful tips! I wish I had known about screenshotting the payment confirmations earlier. I've been paranoid about keeping detailed records of everything now after going through this whole ordeal. The stress of not knowing why your benefits stopped is awful, especially when bills are due. Thanks for sharing these practical suggestions - they could save someone a lot of headaches!
Just wanted to add something important - if they do accept your good cause for the late appeal, don't celebrate too early during the hearing! I made that mistake and got a little too relaxed when they moved on to my actual case. Stay focused because the separation issue is just as important. Also, if your employer doesn't show up to the hearing (which happens sometimes), that actually works in your favor. They won't be there to argue their side about you supposedly quitting. But don't count on it - assume they'll be there and be prepared with all your evidence about the layoff. One last thing - write down key points you want to make beforehand so you don't forget anything important when you're nervous. Good luck Omar, sounds like you have solid documentation for both the late appeal and the actual case!
This is all really great advice! I'm new to dealing with TWC appeals but going through something similar. @GalacticGuardian that point about not celebrating too early is so important - I can totally see myself doing that if they accept the late appeal reason. @Omar Hassan it sounds like you have really strong documentation with both your mom s'hospital records and those texts from your supervisor about budget cuts. That combination should help with both parts of your hearing. I m'dealing with a potential appeal myself and this whole thread has been incredibly helpful to read through. Hope everything goes well for you next Tuesday! Please update us on how it turns out.
I'm going through my first TWC appeal process right now and this thread has been incredibly informative! I'm curious about something - for those who have been through hearings before, how long do they typically last? Also, @Omar Hassan, I noticed you mentioned having texts from your supervisor about budget cuts. Did you submit those as evidence ahead of time, or are you planning to present them during the hearing itself? I have some similar documentation for my situation and wasn't sure about the timing of when to share it. The advice about staying calm and respectful really resonates with me too. It's easy to get emotional when your livelihood is on the line, but professionalism probably goes a long way with these hearing officers. Wishing you the best of luck next Tuesday!
@Ella Russell Great questions! From what I ve'read here, hearings can vary a lot in length depending on complexity. For late appeals like mine, they have to address the timeliness issue first which could add 10-15 minutes, then the actual case. I m'planning for about 30-45 minutes total but honestly not sure. Regarding the texts - I haven t'submitted them ahead of time. I was planning to mention them during the hearing when they get to the separation issue. @ShadowHunter or others who ve'been through this - is it better to submit evidence beforehand or present it during the hearing? I want to make sure I handle this the right way. Thanks for the encouragement! This whole process is so stressful but everyone s'advice here has really helped me feel more prepared. Good luck with your appeal too!
Yes, for combined W-2 and 1099 income, you should submit the complete tax return including all schedules along with any W-2 forms. TWC will consider the total income when recalculating the DUA amount. Make sure the return is signed (even if e-filed) and includes all pages of Schedule C for any self-employment. If possible, also include a signed statement breaking down how much came from each source of income. This isn't strictly required, but it helps the claims examiner process things faster since they don't have to spend time figuring out which portions came from which source.
I went through this exact situation last month! Got approved for the minimum DUA amount and it was so frustrating trying to figure out what went wrong. Here's what I learned from my experience: First, don't panic about the minimum amount - it's actually normal when TWC can't immediately verify your income. They approve the minimum to get payments flowing while they wait for documentation. For getting through on the phone, I had success calling right at 8 AM when they open. Set multiple alarms and start dialing at exactly 8:00. I also tried calling around 11:30 AM and 2:00 PM when call volume sometimes drops. But honestly, going to a Workforce Solutions office in person (if you can) is probably your best bet. For the income verification, make sure you're uploading documents from the correct tax year. Since this is a disaster claim, they need proof of income from the tax year BEFORE the disaster occurred. I made the mistake of initially sending this year's pay stubs and had to resubmit everything. One tip that really helped me: when you upload documents, give each file a clear, descriptive name like "2024_Tax_Return_Complete" or "2024_W2_Forms" instead of just leaving the default file names. This seems to help the processors find and review your documents faster. My amount was adjusted within about 8 business days after I submitted the right paperwork. They also backdated the increase to cover all my previous payments. Hang in there - it's a frustrating process but it does get resolved!
Jay Lincoln
I'm so glad to hear you got through to your state representative's office and have a caseworker assigned! That's exactly the kind of breakthrough this thread has been pointing toward. The insight about the disconnect between what shows as "pending" on our end versus what's actually happening in their system is so validating - it confirms what everyone here suspected about the lack of communication being intentional rather than accidental. It's also really telling that you found the missing ID.me verification step, just like so many others in this thread. That seems to be one of the most common issues that TWC just never bothers to flag for people. The fact that your caseworker said most cases get resolved within a week once they intervene gives me hope for everyone else still stuck in this situation. Your experience is proving that the strategies shared in this community really work - contacting state reps, checking ID.me thoroughly, and having persistence with documentation. Please definitely keep us updated when you hear from the caseworker! Your success story could be the roadmap that helps others get unstuck. After 8+ weeks of this nightmare, you deserve to finally get your backpay and some peace of mind. Rooting for you!
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Avery Flores
•This is such amazing progress @Libby Hassan! Reading about your breakthrough with the state rep's office is giving me so much hope. The fact that they assigned a caseworker immediately and said most cases get resolved within a week once they intervene just shows how broken the regular TWC system is - but also that there ARE people who can actually help when you know how to reach them. I'm definitely going to follow your lead and call my state rep's office tomorrow morning. The ID.me verification issue you found is also really eye-opening - it seems like that's catching so many people and TWC just doesn't tell us there's a problem. I'm going to check mine tonight too. What really strikes me about this whole thread is how we've all been suffering in isolation thinking we were doing something wrong, when actually it's a systematic problem with specific solutions that work. Having this community share real experiences and strategies has been life-changing. I feel like I actually have a path forward now instead of just calling the same broken phone number over and over. Can't wait to hear your update from the caseworker! Your success is going to help so many others get unstuck from this nightmare.
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Oliver Schmidt
Reading through everyone's experiences here is both heartbreaking and incredibly helpful. I'm dealing with a similar situation - filed my claim 6 weeks ago and it's been stuck in pending with absolutely no communication from TWC. What's really striking me from all these success stories is how often the issue turned out to be something simple that could be fixed immediately once someone actually looked at the claim - but TWC just never bothers to tell you what's wrong. The strategies shared here are gold: contacting state representatives (I had no idea this was even possible!), double-checking ID.me verification completion, calling right at 7am, and asking specifically about employer disputes or separation issues when you do get through. @Rachel Tao your persistence in continuing to request payments despite getting nothing is exactly right - that documentation will be crucial for your backpay. This thread has given me hope and an actual action plan instead of just randomly calling and hoping for a miracle. The system is clearly designed to make people give up, but seeing this community support each other with real solutions is amazing. Going to try the state rep route first thing tomorrow morning!
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Mei Liu
•@Oliver Schmidt I m'so sorry you re'dealing with this too, but you re'absolutely right about this thread being incredibly helpful! It s'amazing how we ve'all been struggling with the same exact issues - 6-8+ week delays, zero communication, feeling like we re'doing something wrong when it s'actually systematic problems with simple solutions that TWC just doesn t'bother to communicate. I ve'been taking notes on everyone s'strategies throughout this conversation and the state representative approach seems to be the most consistently successful. @Libby Hassan s breakthrough'with getting a caseworker assigned immediately really shows that there ARE people who can actually help when you know the right channels. The ID.me verification issue also seems to catch so many people - definitely worth double-checking that tonight. What gives me the most hope from reading all these success stories is that once people get through to the right person, claims often get resolved the same day or within a week, with full backpay for all those months of waiting. It proves the delays aren t because'they re overwhelmed'- there are just specific fixable issues they don t tell'us about. This community has been such a lifeline when the official system has completely failed us. Let s all'keep each other posted on our progress - having this support network makes such a difference when fighting this broken system!
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