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Unexpected ESD refund 3 years after claim closed - should I be concerned?

Just got the weirdest surprise in my mailbox today - THREE separate letters from ESD stating I don't owe any money due to an overpayment, plus a deposit directly into my checking account! The thing is, my unemployment claim was completely closed THREE YEARS AGO. I haven't had any contact with ESD since 2022, and suddenly they're sending me money out of nowhere in 2025? I'm honestly kind of freaked out - is this a mistake? Could they come back later and say I need to return it with interest? I sent them an email through the portal but who knows when/if they'll respond. Has anyone else experienced a random refund years after their claim ended? Should I just sit on this money until I hear back from them or what?

Arjun Patel

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I had somthing similar happen but it was only 1 year after my claim!! They sent me about $750 and a letter saying they 'recalculated' my benefits. Apparently they do audits or reviews of old claims sometimes and if they find they shorchanged you, they have to pay it back. Did the letters mention anything about a review or audit? If they sent u letters saying u dont owe anything, its probably legit but definitely hang onto those letters!!!!

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Julia Hall

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The letters are super vague! They just say "This letter is to inform you that you do not owe any money due to overpayment on your Unemployment Insurance claim." But they don't mention any audit or recalculation. It's just weird getting THREE identical letters plus money. I'm definitely keeping all the paperwork just in case.

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Jade Lopez

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take the money and run lol

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Tony Brooks

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That's actually not good advice. ESD is a government agency and their records are permanent. If this is an error, they can and will try to recover the funds, potentially with penalties. It's always best to clarify unexpected payments before spending them.

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This is likely due to an ESD internal audit or a class action settlement. During the pandemic years (2020-2022), there were several issues with how certain claims were processed, particularly around job search requirements and benefit calculations. In late 2024, ESD finalized reviews of thousands of claims from that period. Some things to check: 1. The payment amount - does it match roughly 10-15% of what you received during your claim period? 2. Look carefully at the ESD letters - there should be a reference or case number somewhere (often in the header or footer) 3. Check if the letters mention "settlement adjustment" or "claim review" anywhere I'd recommend calling ESD directly rather than waiting for an email response. The ESD call center can actually check your specific case notes.

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Julia Hall

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Thanks for the detailed info! The payment is about $1,450 which is roughly 12% of what I received over my 6-month claim period, so that tracks with what you're saying. I've been trying to call ESD but can't get through - just endless hold times and then disconnections. I'll keep trying though.

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Yara Campbell

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You NEED to call ESD and get this resolved asap!!!! DO NOT SPEND THE MONEY yet until you get clarification. I had something similar happen in 2024 where I got a random deposit of $865 and then THREE MONTHS LATER they sent me a letter saying it was an error and I had to pay it all back plus a $75 processing fee!!! Their system is so messed up. When I finally got through to them, they admitted it was their mistake but still made me pay it back. The whole thing was a nightmare.

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Julia Hall

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Oh no, that's exactly what I'm worried about! Did you have to pay it all at once or could you set up a payment plan? I've been trying to call but keep getting stuck in their phone system.

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Isaac Wright

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If you're having trouble getting through to ESD on the phone (which is super common), I'd recommend trying Claimyr. I was in a similar situation last month with an unexpected benefits adjustment and spent days trying to reach someone. A friend told me about claimyr.com and it got me connected to an actual ESD agent in about 20 minutes. They have a video demo at https://youtu.be/7DieNd3C7zQ?si=26TzE_zGms-DODN3 that shows how it works. Definitely worth it for peace of mind on unexpected money showing up!

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Jade Lopez

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does this actually work? seems sketchy

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Tony Brooks

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This is most likely related to the Benton v. ESD settlement that was finalized in November 2024. ESD was found to have incorrectly applied overpayment rules to thousands of claimants between 2020-2023. If you previously had an overpayment that you repaid, they may be refunding you plus interest. The three identical letters is typical ESD inefficiency, but actually works in your favor as documentation. Save all three letters and take screenshots of the deposit in your account. The money is legitimately yours, but I'd recommend waiting 30 days before spending it just to be safe. You can also check the ESD website under "Important Announcements" as they posted information about this settlement refund process last month.

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Julia Hall

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This makes perfect sense! I did have a small overpayment issue that I paid back in 2022. Thank you for the detailed explanation - I'll check the ESD announcements page and hang onto all the documentation. Such a relief to know this is probably legitimate!

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Maya Diaz

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I'm going through somthing COMPLETELY different with ESD right now (trying to get approved for training benefits) but wanted to say their communication is TERRIBLE across the board. I got 4 identical letters in one week telling me the same thing. Their systems are so messed up. But I will say that when money randomly shows up it's usually because you're actually owed it. They don't typically give out money by mistake, they're much more likely to claim you owe THEM money by mistake!!

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Julia Hall

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That's a good point about them being more likely to say I owe them money than the other way around! And wow, 4 identical letters is even worse than my 3. Good luck with your training benefits!

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Just to update everyone on this thread: The comment about the Benton v. ESD settlement is correct. ESD is processing refunds to approximately 32,000 claimants who had overpayments during the 2020-2023 period. The total settlement amount is around $84 million. The refunds include the original overpayment amount plus 12% interest, which is why the amount may be higher than expected. The three letters are actually standard for this process: one is the initial notification, one is the payment confirmation, and one is the interest calculation statement (though they may appear identical at first glance). You can find details about the settlement on the ESD website under Legal Settlements. The money is legitimately yours to keep.

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Julia Hall

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Thank you for confirming! I just checked the ESD website and found the settlement information. You're right that the letters are slightly different when I look more carefully - I was just so surprised to get them all at once that I didn't notice the subtle differences. What a nice unexpected windfall after all this time!

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