Washington ESD wants me to pay back unemployment - how do I actually make the payment?
Got hit with an overpayment notice from Washington ESD saying I owe $2,800 from my claim last year. The letter explains WHY I have to pay it back but doesn't really explain HOW to actually make the payment. Do I mail a check? Is there an online portal? Can I set up a payment plan? This is stressing me out because I don't have $2,800 sitting around right now.
51 comments


Mohamed Anderson
You have several options for repaying Washington ESD overpayments. You can pay online through SecureAccess Washington (SAW), mail a check to the address on your notice, or set up a payment plan if you can't pay the full amount. The online option is usually fastest.
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Selena Bautista
•Thanks! I'll check SAW but I haven't seen a payment option there before. Do you know where exactly it shows up in the account?
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Mohamed Anderson
•It should be under the 'Overpayment' section once you log in. Sometimes it takes a few days after the notice is mailed for the online payment option to appear.
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Ellie Perry
Same thing happened to me but for $1,200. I called Washington ESD and they set up a monthly payment plan for $50. Took forever to get through though - like 3 hours on hold.
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Selena Bautista
•How long did the payment plan take to set up once you got through to someone?
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Ellie Perry
•Maybe 10 minutes once I actually talked to a human. They asked about my income and expenses then suggested the monthly amount.
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Landon Morgan
•3 hours on hold is insane! I've been trying to reach them for weeks about my adjudication issue and can never get through.
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Teresa Boyd
If you're having trouble reaching Washington ESD by phone, I found this service called Claimyr (claimyr.com) that helps you get through to agents faster. They have a video demo at https://youtu.be/7DieNd3C7zQ showing how it works. Saved me hours of calling.
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Selena Bautista
•Never heard of that before. How does it work exactly?
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Teresa Boyd
•It basically monitors the phone lines and calls you back when an agent becomes available instead of you sitting on hold. Works pretty well for getting through to discuss payment plans or other issues.
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Lourdes Fox
•Is that legit? Sounds too good to be true honestly.
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Bruno Simmons
You can also do a bank transfer through SAW if your bank supports it. That's what I did for my overpayment. Just make sure you keep all the confirmation numbers!
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Selena Bautista
•Good point about keeping confirmations. Did the payment show up right away on your account?
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Bruno Simmons
•Took about 2 business days for the payment to reflect on my Washington ESD account status.
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Aileen Rodriguez
wait why do they want you to pay it back? did you do something wrong or is this just random?
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Selena Bautista
•The notice says it's because I didn't report some part-time work correctly when I was filing my weekly claims. Honestly I thought I was doing it right but apparently not.
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Mohamed Anderson
•That's pretty common. The work reporting requirements can be confusing, especially if you had irregular hours or multiple jobs.
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Aileen Rodriguez
•oh man that sucks. the whole system is so confusing
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Landon Morgan
Before you pay anything, make sure you actually owe it! You can appeal the overpayment decision if you think it's wrong. You have 30 days from the notice date to file an appeal.
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Selena Bautista
•I thought about appealing but I'm pretty sure I did mess up the work reporting. How complicated is the appeal process?
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Landon Morgan
•It's not too bad if you have documentation. You just need to explain what happened and provide any pay stubs or work records that support your case.
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Ellie Perry
If you do set up a payment plan, they usually want at least $25 per month minimum. And they might intercept any future unemployment benefits if you qualify again until it's paid off.
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Selena Bautista
•Good to know about the $25 minimum. That should be manageable if I can't pay it all at once.
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Zane Gray
•They can also take it from your tax refund if you don't pay. Found that out the hard way.
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Lourdes Fox
I tried that Claimyr thing someone mentioned earlier and it actually worked. Got through to Washington ESD in about 20 minutes instead of giving up after hours of busy signals. Set up my payment plan over the phone.
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Selena Bautista
•That's pretty impressive. Did they charge you anything for the service?
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Lourdes Fox
•Yeah there's a fee but honestly worth it to avoid the phone hell. Way less stressful than trying to call repeatedly.
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Maggie Martinez
Make sure you get something in writing about your payment plan if you set one up over the phone. Sometimes there are miscommunications and you want proof of what was agreed to.
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Selena Bautista
•That's really smart advice. I'll definitely ask for written confirmation of any payment arrangement.
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Mohamed Anderson
•They usually send a letter within a week confirming the payment plan details, but it's good to ask them to email you the terms right away too.
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Alejandro Castro
ugh this whole thread is giving me anxiety. I got a notice too but haven't opened it yet because I'm scared of what it says.
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Selena Bautista
•I know the feeling but you really should open it soon. The appeal deadline is only 30 days and ignoring it won't make it go away.
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Landon Morgan
•Definitely open it ASAP. Even if you owe money, there are options like payment plans. Ignoring it just makes things worse.
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Monique Byrd
If you're really strapped for cash, you might be able to get the overpayment waived if it wasn't your fault. There's a waiver process but it's pretty strict about the requirements.
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Selena Bautista
•Interesting, I hadn't heard about waivers. What kind of situations qualify?
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Monique Byrd
•Usually if Washington ESD made an error or gave you incorrect information that led to the overpayment. If it was your mistake in reporting, waivers are harder to get approved.
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Jackie Martinez
Pro tip: if you do the online payment through SAW, take screenshots of every step including the confirmation page. I've heard of people having payment issues and needing proof they actually paid.
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Selena Bautista
•Great advice! I'm definitely going to document everything. This whole situation has me paranoid about more mistakes.
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Lia Quinn
The Washington ESD customer service for overpayments is actually better than their regular line. They seem to have more dedicated staff for collection issues. Still takes forever to get through though.
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Haley Stokes
•Really? I called the main number and they transferred me around like 3 times before I gave up.
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Lia Quinn
•There's a specific number for overpayment questions on the notice itself. That one connects you directly to the right department.
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Asher Levin
Just wanted to follow up that I successfully used Claimyr to get through and set up a payment plan. Took about 30 minutes total including the call. Way better than the phone marathon I was dreading.
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Selena Bautista
•That's really encouraging to hear! I think I'll try that route since calling directly hasn't been working for me.
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Serene Snow
Don't forget you can also write a check and mail it to the address on your notice if you prefer doing it the old-fashioned way. Sometimes the simple methods work best.
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Selena Bautista
•True, though I'd probably go with certified mail just to have proof they received it.
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Serene Snow
•Absolutely do certified mail! Regular mail can get lost and then you're stuck proving you sent payment.
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Selena Bautista
Thanks everyone for all the helpful advice! I'm going to try the online payment option first, and if that doesn't work I'll use that Claimyr service to call and set up a payment plan. Really appreciate all the tips about documentation too.
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Mohamed Anderson
•Good luck! The most important thing is to take action before the deadlines. You've got this!
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Teresa Boyd
•Let us know how it goes! Your experience might help someone else in the same situation.
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Ethan Taylor
One thing I'd add is to make sure you understand exactly what period the overpayment covers before you pay. I had a similar situation and discovered they had miscalculated the dates - saved me about $400 when I pointed it out. Also, if you do end up owing the full amount, ask about hardship options. Washington ESD sometimes has more flexibility than they initially let on, especially if you can show financial hardship documentation.
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Keisha Williams
•That's really valuable advice about double-checking the calculation! I didn't even think to verify their math. Did you just call them to point out the error or did you have to submit something in writing? And what kind of documentation do they typically want for hardship cases?
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