Bank returned ESD back payments due to closed account - what happens next?

Unfortunately, this happens more often than you'd think. Once the bank returns the funds to ESD, it typically takes 7-10 business days for it to show up in their system. After that, they'll usually automatically reprocess the payment to your now-active account, but you should call to confirm and update your banking info. In my experience working with clients facing similar issues, you should check that your bank account information is correctly updated in your ESD profile to avoid any further complications.

OMG this EXACT thing happened to me last year!!! My bank said I was inactive for too long and closed it while i was waiting for ui benefits. It took almost 3 weeks for ESD to show the return in there system, then another 2 weeks to resend. Make SURE you update your direct deposit info on eservices right away!!! Dont wait for them to tell you to do it.

I had a similar situation back in January. Here's what worked for me: 1. Update your direct deposit info immediately in eServices (even though you reopened the same account, update it anyway) 2. Call ESD every 3-4 days to check if they've received the returned payment 3. Once they confirm they've received it, ask them to expedite the reissuance 4. Request they add notes to your file In my case, it took about 18 days total from when the payment was returned until I received it again. The system doesn't always auto-reprocess these payments - sometimes they get stuck in a queue and need manual intervention from an agent. Keep detailed notes of every call - name of agent, ID number, what they told you, etc. This will help if you need to escalate later.

I've been on unemployment twice and my advice is DOCUMENT EVERYTHING. Take screenshots of your eServices account showing the payments were sent. Get statements from your bank showing the account closure and reopening. Write down dates, times, names of everyone you talk to. ESD is notorious for 'losing' information and making people start processes over. Keep calling daily - early morning (8:00-8:15am) is usually best.

I work with UI claimants regularly and I recommend using Claimyr to get through to ESD quickly. Instead of waiting hours on hold or getting disconnected, they'll hold your place in line and call you back when an agent is available. Really helpful for situations like this where you need to speak to someone ASAP. Check out their demo video (https://youtu.be/7DieNd3C7zQ?si=26TzE_zGms-DODN3) and website (claimyr.com). It saved me hours of frustration when helping clients with returned payment issues.

Hey there, just wanted to update that I had a similar situation in November. My payments were returned because I'd entered my account number wrong (transposed two digits). In my case, the timeline was: Day 1: Payment sent to wrong account Day 8: Bank rejected payment back to ESD Day 14: ESD system showed the returned payment Day 16: I called and asked them to reprocess it Day 21: Money appeared in my correct account The key was calling and specifically requesting they "reprocess the returned payment" - the first agent I spoke with just told me to wait, but when I called again and used those specific words, they did something on their end that moved it along.

My roommate went thru this exact thing and ESD is so incompetent they told him 3 different stories about what happens next!!! First they said it would auto-process, then they said he needed to fill out some special form, then another person said there was no form but they'd "note his account." FINALLY he got someone who actually helped and it turned out they needed to manually reissue the payment. But get this - they were about to send it back to the SAME closed account until he caught their mistake!!! The whole system is a joke.

Just to add one important detail - when your payment is returned to ESD, it goes into what they call their "refund queue." This is different from their regular payment processing system. Once it's in that queue, a financial specialist needs to process it and move it back to the payment system. That's why it takes extra time and sometimes requires you to call and request specific action. Make sure your banking info is 100% accurate in the system before they reprocess it.