TWC sent replacement check instead of direct deposit - now the check is missing

Oh man, USPS has been TERRIBLE with mail delivery lately!!! I had the same thing happen last month - tracking said delivered but nothing showed up for like 4 days after that. But then it randomly appeared in my mailbox on Wednesday. Give it one more day before panicking.

If your check is truly lost, you'll need to call TWC directly to report it and request a replacement. They typically have a 5-7 day waiting period after the expected delivery date before they'll consider a check missing. When you get through to them, they'll put a stop payment on the original check and issue a new one, but fair warning - the replacement process can take 7-10 business days. As for switching back to direct deposit, check your correspondence history in your TWC account. There might be a notice explaining why your payment method changed. Sometimes this happens if your bank rejected a deposit or if there was a verification issue with your account.

wait a day or two more, mail is super slow now. my neighbor had check come 6 days after tracking said it would arrive. usps is mess

I went through this exact situation last year. Here's what you need to do: 1. Call TWC at 800-939-6631 first thing Monday morning to report the missing check (good luck getting through) 2. When you finally reach someone, ask them to check why your payment method changed from direct deposit to paper check 3. Request they place a stop payment on the missing check 4. Ask them to reissue the payment via direct deposit if possible 5. Update your banking information if there were any issues The bank freeze you mentioned likely triggered their system to default to a paper check. I discovered their system automatically switches to checks if there's ANY issue with direct deposit processing. I'd also suggest using Claimyr (claimyr.com) to get through to a TWC agent faster. I was on hold for hours until I tried their service. They have a video showing how it works: https://youtu.be/V-IMvH88P1U?si=kNxmh025COIlIzKh In my case, it took about 5 business days to get a replacement payment after they confirmed the check was lost.

The TWC system is GARBAGE. This happened to me TWICE last year! They switched me from direct deposit to paper checks without any notification and then both checks got "lost" in the mail. When I FINALLY got through to someone after calling for THREE DAYS STRAIGHT, they told me I had to wait TEN BUSINESS DAYS before they would even START the replacement process!!! I almost got evicted waiting for them to fix THEIR mistake. The whole system is designed to make it as difficult as possible to get YOUR money.

One more important tip: When you talk to TWC, make sure to ask them to update your payment method back to direct deposit for future payments. You'll need to provide your banking info again and possibly complete a new direct deposit authorization form. Also, check your correspondence inbox on the TWC portal - there should be a notice explaining why they switched your payment method in the first place.

my buddy had this happen and the next day his neighbor brought over his mail that got delivered to wrong address. maybe check with neighbors?

Any update? Did the check show up today??

After you get this resolved, make sure to set up direct deposit again through your TWC account. Go to the Payment Option page and select Direct Deposit, then enter your bank info. The system will make you verify your routing and account numbers twice to avoid errors. It typically takes one payment cycle for the direct deposit to activate again. Also, document everything about this situation - dates, names of representatives you speak with, and any confirmation numbers they provide. This documentation will be helpful if there are any issues with the replacement payment.

I've been in a similar situation with TWC before. A few things that might help while you're waiting to call them tomorrow: 1) Check if your local post office has a customer service line you can call to ask about delayed mail in your area, 2) If you have USPS Informed Delivery, double-check the images to make sure the check was actually included in that day's mail, and 3) Consider asking your landlord for a few extra days on rent if possible - most are understanding about unemployment payment delays if you explain the situation. The bank freeze you mentioned almost certainly triggered the payment method change. TWC's system is overly cautious and switches to paper checks at the first sign of any banking issue. Good luck getting through to them tomorrow!

I work at a local TWC office and see this situation frequently. Here's what I'd recommend: First, call TWC at 800-939-6631 as early as possible (lines open at 8am) - you'll have the best chance of getting through in the first hour. When you do get connected, ask them to check if there's a "return to sender" flag on your check - sometimes checks get returned to TWC if there's an address verification issue. Also ask them to verify your mailing address is correct in their system. If the check is confirmed lost, they can expedite a replacement if you explain it's for rent - mention you're facing potential eviction and they may be able to rush it. Finally, that bank freeze definitely triggered the switch to paper checks. Once you get this resolved, you'll need to re-verify your banking info to switch back to direct deposit. The system treats any returned deposit as a permanent failure until you manually reset it.

I went through almost the exact same thing about 3 months ago! My TWC benefits had been direct depositing perfectly for weeks, then suddenly they sent a paper check that never showed up. Turns out my bank had flagged a deposit as suspicious (even though it wasn't) and TWC's system automatically switched me to paper checks without any notification. I called TWC after waiting 4 days and they confirmed the check was issued but never cashed. They were able to cancel the original check and reissue it as direct deposit once I re-verified my bank info. The whole process took about 6 business days from when I first called. Definitely call them tomorrow morning - and like others mentioned, having documentation ready (dates, amounts, etc.) really helps speed up the process. The bank freeze you mentioned is 100% why this happened. Hang in there!

I'm dealing with something similar right now! My unemployment check was supposed to arrive last Wednesday according to USPS tracking, but it's been 5 days and still nothing. I called my local post office and they said there's been major delays with mail delivery in my area due to staffing shortages. They suggested giving it until the end of this week before reporting it missing. It's so stressful when you're counting on that money! I'm planning to call TWC on Thursday if it doesn't show up by then. Fingers crossed for both of us that these checks are just delayed and not actually lost.

I had this exact same issue happen to me last year! My direct deposit suddenly switched to a paper check without any warning, and the check took almost 2 weeks to arrive. When I finally got through to TWC (took me 3 days of calling), they told me that ANY issue with your bank account - even temporary holds or fraud alerts - automatically triggers their system to switch to paper checks as a "safety measure." The frustrating part is they don't notify you about the switch at all! In my case, I had to call TWC, report the check as missing after 7 business days, and then wait another week for the replacement. But here's a tip that saved me time: when you call, ask them to check if your check was returned to sender first - sometimes they get returned due to address issues and TWC just holds onto them. Also, definitely ask them to expedite the replacement since you mentioned rent is due soon. They have some flexibility for emergency situations. For getting back on direct deposit, you'll need to re-enter all your banking info in your TWC portal and it usually takes 1-2 payment cycles to kick back in. I feel your stress - hang in there!

I'm a TWC benefits coordinator and wanted to add some specific guidance here. When you call tomorrow at 800-939-6631, have your SSN and claim confirmation number ready - this will speed up the verification process. Ask them to run a "payment trace" on your missing check first before requesting a replacement, as this can sometimes locate checks that are still in processing. Also, regarding the bank freeze trigger - TWC's system flags ANY returned payment (even temporary bank holds) and requires manual intervention to restore direct deposit. When you get this resolved, log into your TWC portal and look for the "Payment Method" section under Account Settings. You'll need to re-enter your routing and account numbers AND submit a new direct deposit authorization form. One more tip: if you can't get through by phone, try using the TWC website's secure messaging system. Response time is usually 24-48 hours, but you'll have a written record of your inquiry. Given your rent deadline, definitely mention the housing emergency when you call - they do have provisions for expedited replacement payments in cases of potential eviction.

I've been following this thread and wanted to share something that might help while you're waiting to call TWC tomorrow. Check if your bank has any notifications about rejected deposits in your account history or email alerts from around the time your payment method switched. Sometimes banks will send you a notice about blocking an automated deposit, even if they resolve it quickly on their end. This could give you more details to provide to TWC about exactly what triggered the switch to paper checks. Also, if you have a local TWC office near you, consider going in person as a backup plan if the phone lines are impossible to get through. Some people have better luck with face-to-face service, especially when explaining emergency situations like potential eviction. Wishing you luck tomorrow morning!