Bank of america edd phone number

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Tarjeta de débito

In English

Nuevas tarjetas de débito con chip

A partir del 25 de julio, recibirá una nueva tarjeta de débito con chip si:

Si tiene alguna pregunta sobre la actividad en su cuenta relacionada con fraude o sospecha de fraude, comuníquese directamente con un especialista en fraude de Bank of America llamando al 1-800-558-9226.

Acerca de la tarjeta de débito

El EDD emite los pagos de beneficios del Seguro de Incapacidad, Permiso Familiar Pagado y Seguro de Desempleo a través de la tarjeta de débito VISA. Esta tarjeta de débito prepagada es una forma rápida, conveniente y segura para recibir los pagos de beneficios y ni supervisión por parte del EDD. Con la tarjeta de débito puede:

  • Recibir su dinero más rápido.
  • Usarla en cualquier lugar donde se acepten las tarjetas VISA (en tiendas, por internet y por teléfono).
  • Retirar dinero en efectivo en cajeros automáticos (ATMs), bancos y tiendas que ofrecen la opción de dar cambio en efectivo.
  • Transferir fondos a la institución financiera que usted elija sin costo adicional.
  • Recibir una notificación cuando se hace un depósito a su tarjeta o cuando el saldo de su cuenta es bajo.
  • Contar con protección contra fraude de la póliza de cero responsabilidades.

Nota: Su tarjeta es válida por tres años a partir de la fecha en que fue expedida y se usa para todos los programas del EDD, por lo que debe conservarla hasta que se venza.

Nuevos titulares de tarjetas

Si nunca ha tenido una tarjeta de débito del EDD, el Bank Of America le enviará una tarjeta después de que el EDD haya emitido su primer pago de beneficios. Puede tomar de 7 a 10 días hábiles recibir su tarjeta por correo postal.

Para activar una tarjeta nueva, use alguno de los siguientes métodos:

  • Por internet – Visite la página de la tarjeta de débito de Bank of America y seleccione Activar mi tarjeta.
  • Por teléfono – Si usted llama dentro de los Estados Unidos, comuníquese al 1-866-692-9374 o por TTY (teletipo) al 1-866-656-5913. Si llama de fuera de los Estados Unidos, comuníquese al 1-423-262-1650.

Titulares actuales de tarjetas

Su tarjeta es válida por tres años a partir de la fecha en que fue expedida y se usa para todos los programas del EDD. Si anteriormente participó en un programa de beneficios del EDD usando una tarjeta y comenzó a participar en un programa de beneficios del EDD nuevamente dentro de los tres años posteriores a la fecha en que se emitió la tarjeta, no tendrá que esperar por una tarjeta nueva para recibir beneficios. Continuaremos depositándole fondos a su tarjeta existente y tendrá acceso inmediato a ellos.

Tarjetas de reemplazo y vencidas

Si pierde o le roban su tarjeta, comuníquese con el Bank of America al 1-866-692-9374 [TTY (teletipo): 1-866-656-5913]. Cuando se le pida, elija la opción de “tarjeta perdida o robada” en el menú automatizado. No necesita tener el número anterior de su tarjeta ni hablar con un representante.

Si su tarjeta está dañada, puede solicitar una tarjeta de reemplazo por internet, visitando el sitio web de la tarjeta de débito del Bank of America.

La tarjeta de reemplazo se le enviará por correo postal en un plazo de 7 a 10 días laborables a partir de la fecha en que la solicite. Una vez que solicite su tarjeta de reemplazo, evite solicitar una segunda. Si solicita una segunda tarjeta, ésta bloqueará automáticamente la primera y podría causar un atraso en el pago de sus beneficios.

Nota: Lo representantes del Bank of America no pueden responder preguntas acerca de su solicitud o pagos pendientes.

Tarjetas vencidas

Actividad de la tarjeta dentro de los últimos 90 días o con un saldo de $20 o más

Si ha usado su tarjeta durante los últimos 90 días, o si tiene un saldo de $20 o más, el Bank of America automáticamente le enviará una tarjeta nueva por correo postal antes de que se venza la que tiene actualmente.

Sin actividad de la tarjeta dentro de los últimos 90 días y con un saldo de $ 20 o menos

Si no ha usado su tarjeta en los últimos 90 días, o si tiene un saldo de menos de $20, comuníquese con el servicio al cliente de la tarjeta de débito del Bank of America para pedir una tarjeta nueva. Puede consultar su saldo restante llamando a uno de los números de teléfono que encontrará en la sección Información adicional de esta página.

Devolución de tarjetas

Si ya no desea usar su tarjeta, comuníquese con el Bank of America para recuperar los fondos restantes y luego destruya su tarjeta para evitar fraude. No envíe su tarjeta al EDD por ningún motivo. El EDD no puede aceptar tarjetas de débito que han sido devueltas y no puede retirar fondos de la tarjeta de débito. Si devuelve una tarjeta al EDD, la enviaremos al Bank of America para que la destruyan. Si tiene un sobrepago establecido en su solicitud y desea hacer un pago al EDD, visite Servicios de Sobrepago de Beneficios para saber cómo hacerlo.

Pagos

Toma al menos tres semanas para procesar una solicitud de beneficios por desempleo y emitir el pago a la mayoría de los trabajadores elegibles. La información acerca de los pagos para el Seguro de Desempleo se actualiza diariamente y está disponible a través de su cuenta de UI OnlineSM o comunicándose a la línea telefónica de autoservicio del UI al 1-866-333-4606.

Puede acceder a la información de pago del Seguro de Incapacidad o del Permiso Familiar Pagado a través de su cuenta de SDI Online o llamando a unos de los números gratuitos proporcionados en la página titulada en inglés Contact Disability Insurance and Paid Family Leave.

Asistencia con dinero en efectivo de emergencia

El Bank of America le puede asistir con una transferencia doméstica de efectivo de emergencia si necesita dinero en efectivo inmediatamente, como si su tarjeta se pierde o todavía está esperando que le llegue su tarjeta por correo postal.

Puede hablar con un representante de servicio al cliente del Bank of America llamando a unos de los números de teléfonos enlistados en la sección Información adicional de esta página. Visite el sitio web del Bank of America y seleccione Información de tarifas para obtener información sobre las tarifas de transferencia en efectivo de emergencia.

Cómo puede monitorear sus pagos

Mantenga monitoreados los pagos de su tarjeta de débito y la información de sus balances descargando la aplicación Bank of America Prepaid Card en cualquier tienda de aplicaciones. La información acerca de los pagos se actualiza a diario y está disponible a través de su cuenta de UI Online o SDI Online o llamando a uno de los números gratuitos proporcionados en Comuníquese con el EDD.

Divulgación de cargos y tarifas

Usted recibirá un paquete de bienvenida con su tarjeta. Asegúrese de leer toda la información, incluyendo la Lista de cargos de la tarjeta. Para su cartera digital, consulte la Divulgación Sobre los Cargos y otras Divulgaciones Importantes de la Cuenta Digital del Departamento del Desarrollo del Empleo de California (PDF) . Utilizar esta tarjeta de manera cuidadosa le ayudará a evitar cargos innecesarios.

Información adicional

Para más información acerca de su tarjeta de débito, visite Preguntas frecuentes sobre la tarjeta de débito o Preguntas frecuentes sobre la tarjeta de débito del Bank of America.

Si necesita ayuda adicional, los representantes del servicio al cliente del Bank of America están disponibles para usted las 24 horas del día, los 7 días de la semana, en los siguientes números de teléfono:

  • Dentro de los Estados Unidos: 1-866-692-9374
  • Fuera de los Estados Unidos: 1-423-262-1650 (por cobrar)
  • Por TTY (teletipo): 1-866-656-5913

Importante: Los representantes del Bank of America no pueden contestar preguntas acerca de una solicitud de beneficios o de los programas del EDD.

Olvidó su PIN

Puede reestablecer su número de identificación personal (PIN, por sus siglas en inglés) iniciando sesión en su cuenta del sitio web del Bank of America. Vaya a Mis configuraciones, seleccione Mi PIN y finalmente seleccione Olvidé mi PIN.

Evite cometer fraude

Guarde su tarjeta en un lugar seguro y no la comparta con nadie. Tampoco comparta su Número de Identificación Personal (PIN, por sus siglas en inglés) ni ningún otro tipo de información confidencial.

Importante: El EDD y el Bank of America nunca se comunicarían con usted para pedirle el número de cuenta de su tarjeta de débito o su PIN. Si le piden esta información por teléfono o por correo postal, no conteste.

Sours: https://edd.ca.gov/About_EDD/The_EDD_Debit_Card_Espanol.htm

Unemployment Insurance – After You Apply

En español

After you submit your unemployment application, there are important steps you must take to make sure your UI benefit payments are not delayed or denied.

Important Next Steps

Look for Important Documents from the EDD

You will receive these documents in the mail within two weeks of submitting your unemployment application:

Certify for Benefits Every Two Weeks

You must provide the EDD with eligibility information every two weeks. This process is known as certifying for benefits. You can certify with UI Online, EDD Tele-Cert, or by mail.

Report work and wages correctly while receiving benefit payments. Report any work you performed and wages you earned (even if you weren’t paid) every two weeks you certify for benefits. Watch Reporting Wages and Earnings (YouTube)  for more information.

Note: You must serve a one-week unpaid waiting period on your claim before you are paid UI benefits. The waiting period can only be served if you certify for benefits and meet all eligibility requirements for that week. Your first certification will usually include the one-week unpaid waiting period and one week of payment if you meet eligibility requirements for both weeks. The waiting period has no effect on the maximum benefit amount on a claim. Certify for benefits every two weeks to continue receiving benefit payments.

Pending Claim Status

If you have a Pending status for any weeks on your UI Online Claim History, we may need to confirm your identity or eligibility before we can process payment. Monitor your UI Online homepage for notifications and review the UI Online Claim Status Tracker for updates and possible next steps.

Possible next steps could include:

  • Respond to requests for additional information in the mail
  • Check your UI Online Inbox
  • Prepare for a phone interview

For more information, visit Claim Status: Pending Payments.

Register for CalJOBSSM

You must add or update your resume in CalJOBS within 21 days of submitting your unemployment application unless otherwise instructed by the EDD. If you don’t, your UI benefit payments could be delayed or denied.

Watch How to Register for CalJOBS and Post a Résumé (YouTube) for more information.

Receive Your Benefit Payments

It takes at least three weeks to process a claim for unemployment benefits and issue payment to most eligible workers.

When your first benefit payment is available, you will receive a debit card in the mail. Once you activate the card you can track, use, and transfer your benefit payments. Your card is valid for three years from the date it is issued and is used for all EDD benefit programs, so you should keep it until it expires.

If you received Unemployment Insurance, Disability Insurance, or Paid Family Leave benefits on a debit card in the last three years, you will receive your benefit payments on that card. If your card has expired, a new card will automatically be sent to you once funds are available.

Note: If you were issued a debit card before 2015, you must request a new one. Visit Bank of America’s website or contact Bank of America at 1-866-692-9374 (TTY: 1-866-656-5913).

If you lost your debit card, contact Bank of America as early as possible in the application process to request a replacement card before your first payment. Your new card will arrive 7 to 10 business days from the order date. You have a couple options to request a new card:

  • Visit the Bank of America website.
  • Contact Bank of America at 1-866-692-9374 (TTY: 1-866-656-5913). You do not need to have your old card number or speak to a representative. Choose the Lost or Stolen option in the automated menu. The call center is experiencing higher than normal wait times and Bank of America is working to address the issue.

Note: Bank of America representatives cannot answer questions about your claim or pending payments.

Payment information is updated daily and is available through your UI Online account or by calling the UI Self-Service Phone Line at 1-866-333-4606.

For more information on the benefits of using your debit card, delivery, activation, tracking payments, expired cards, and more, visit Debit Card.

Additional Information

California Training Benefits

California Training Benefits (CTB) allows you to further your education, upgrade your skills, or learn a new trade while receiving UI benefits.

If approved for CTB, you will not be required to look for work every week and may also be eligible for additional benefit weeks while completing your training or education.

Previous Disqualification or Overpayments

A previous UI claim disqualification or overpayment may affect your new UI claim.

If you were previously disqualified, refer to your Notice of Determination/Ruling (DE 1080CZ) (PDF).

If you previously received an overpayment, refer to your Notice of Potential Overpayment (DE 1447) (PDF).

Residents Moving Out of State

If you move out of California, you must actively look for work and register for job search assistance with the local employment office in your new state within 21 days of submitting your California unemployment application or you could be denied benefits.

Sours: https://edd.ca.gov/Unemployment/After_you_Filed.htm
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Help Fight Fraud

En español

At the EDD, we are dedicated to combatting fraudulent activity and protecting benefits for legitimate California workers in need.

We are continuing to strengthen our fraud detection methods and apply them to new and existing claims to further reduce the benefits fraud that has plagued unemployment systems across the country.

The implementation of ID.me to help us validate the identity of individuals filing a new claim for unemployment benefits is successfully helping us fight fraud on the front end of a claim. We are also using Thomson Reuter’s fraud criteria to validate other claimant information.

If you filed a claim and we need additional information, we will send requests through the mail or through your UI Online account.

  • The EDD wants to alert claimants to be aware of scammers at work trying to impersonate EDD and ID.me and get you to divulge your personal identifying information. 
    • If we call you, your caller ID may show “St of CA EDD” or the UI Customer Service number 1-800-300-5616 from 8 a.m. to 8 p.m.
    • If you opted in for SMS text alerts, messages are sent from 510-74 or 918-06 to the phone number you included on your unemployment claim.
    • The EDD will not send representatives to your home or contact you via social media or other websites.

Note: The national credit reporting agencies Transunion, Experian, and Equifax are offering no-cost credit monitoring services through April 2022.

Victims of Identity Theft

If you receive mail or a Form 1099G from the EDD, but you did not file a claim for benefits and you think someone else filed a claim under your name, address, or Social Security number, file a fraud report:

  • Benefit Fraud – Visit Ask EDD and select the Report Fraud category.
  • Form 1099G – Visit Ask EDD and select the Form 1099G category or call 1-866-401-2849, Monday through Friday, from 8 a.m. to 5 p.m., except on state holidays.

If we find you were a victim of fraud, we will remove the claim from your Social Security number and send you an updated 1099G, if needed. Review IRS tax guidance on benefit identity theft.

For more information about protecting yourself from identity theft, review the California Attorney General’s Identity Theft Information Sheets and Credit Scores and Reports.

Types of Fraud

Avoid Scams

Scammers attempt to get your personal identifying information for a number of criminal reasons, including applying for unemployment benefits in your name. By being watchful, you can help stop them and avoid identity theft. To protect yourself, follow these tips when communicating with the EDD or our contractors:

  • Do not respond to communication on social media or phone apps. The EDD does not reach out to claimants this way.
  • Do not respond to text messages. Text messages asking people to activate a benefits debit card by clicking on a link are scams. Bank of America and EDD never text message people to reactivate a debit card.
  • Make sure any website links take you to a URL with “.ca.gov” before selecting it.
  • If we call you, your caller ID may show “St of CA EDD” or the UI Customer Service number 1-800-300-5616 from 8 a.m. to 8 p.m.
  • If you opted in for SMS text alerts, messages are sent from 510-74 or 918-06.
  • The EDD will not send representatives to your home.

For more tips, refer to What You Should Know about Unemployment Scammers (PDF).

Avoid Committing Fraud

You are committing fraud if you:

  • Make a false statement
  • Provide wrong information
  • Withhold facts

Claimants

Unemployment Claims

To avoid fraud charges and penalties, report all income including self-employment and independent contractor work. Also, keep a record of the work and wages earned for each day to ensure accuracy. For more information, visit How to Report Work and Wages.

If you think you may have accidentally committed Unemployment Insurance (UI) fraud, contact us immediately.

Disability or Paid Family Leave Claims

It is a violation if you purposely make a false statement or knowingly conceal facts in order to obtain the payment of EDD benefits whether for yourself or any other person.

Examples include:

  • Filing a claim with Disability Insurance for an injury or illness that does not exist.
  • Helping another person file a false claim.

Employers

Unemployment, Disability, or Paid Family Leave Claims

When an identity thief files an imposter unemployment claim for one of your employees, it can increase your tax rates.

To combat fraud, please contact us immediately if the claimant:

  • Has never been your employee.
  • Has been terminated, laid off or has quit their job.
  • Is receiving wages.
  • Has not stopped working.
  • Is known to be working for another employer.
  • Has filed for workers’ compensation or is believed to be planning to do so.
  • Is using a Social Security number incorrectly.
  • Is working under another name.

For more information on prevent identity theft, review How You Can Prevent Unemployment Insurance Imposter Fraud (DE 2360ER) (PDF).

Payroll Taxes

You are committing tax fraud if you do not register with the state, deal in cash-only, or use other schemes to not pay your fair share of payroll taxes.

Examples include:

  • Filing false payroll returns.
  • Operating as part of the underground economy and paying employees in cash or under-the-table to avoid paying taxes.
  • Practicing rate manipulation schemes.
  • Neglecting to report all wages paid and to pay payroll taxes.
  • Intentionally misclassifying employees as independent contractors.

Physicians/Practitioners

To prevent fraud, please respond immediately if:

  • You are not the physician/practitioner of the care recipient shown on the correspondence from the State Disability Insurance office.
  • The patient:
    • Is no longer under your care and treatment.
    • Has recovered from their disability.
    • Has not stopped working.
    • Is known to be working for another employer.
    • Has filed for Workers’ Compensation or is believed to be planning to do so.
    • Is using a Social Security number incorrectly.
    • Is working under another name.

You may be asked to verify that you submitted medical data, answer some brief medical questions, or submit copies of medical records.

Individuals and employers are legally responsible for making sure they follow the requirements set by State law (California Unemployment Insurance Code, sections 2101, 2116, 2122, and 1143).

How to Report Fraud

The best way to report fraud to us is by visiting Ask EDD and selecting the Report Fraud category to complete our Fraud Reporting Form. You can also call the EDD Fraud Hotline at 1-800-229-6297 or fax 1-866-340-5484.

When reporting fraud:

  • Provide all relevant information about the issue. Your report will be anonymous unless you include your name and phone number.
  • Send any fraudulent documents or mail to EDD PO Box 826880, MIC 43, Sacramento, CA 94280-0225. You can also write “Return to Sender” on the envelope and provide it to your mail carrier.
  • Write “Return to sender” on the envelope of any mail you receive that does not pertain to you and provide it to your mail carrier.

If you need to provide more information after reporting fraud, contact us again. Include the reference number provided when you first reported the issue.

Note: To ensure the confidentiality and integrity of any investigation, the EDD does not provide status updates unless court-ordered or required by law.

If you are a victim of identity theft, file a complaint with the Federal Trade Commission (FTC) or call 1-877-ID-THEFT (or 1-877-438-4338).

Penalties and Prosecution

Purposefully providing false information or not reporting information to the EDD is committing fraud. If you commit fraud, you could face a variety of serious penalties including:

  • Prosecution by government authorities.
  • Jail or prison sentences.
  • Repaying the benefits collected, plus penalties and fines.
  • Loss of future income tax refunds.
  • Losing eligibility to collect benefits in the future.

Anyone who receives fraudulent benefit payments or avoids payroll tax reporting obligations will be prosecuted to the fullest extent of the law. For more information, visit Recent Fraud Convictions.

Additional Resources

Sours: https://www.edd.ca.gov/about_edd/fraud.htm

California extends contract with Bank of America for troubled unemployment benefits program

SACRAMENTO — 

California’s unemployment agency has extended its contract with Bank of America to issue debit cards containing benefits for jobless residents despite criticism from state lawmakers that criminals were able to tap into the cards to commit widespread fraud.

The Employment Development Department exercised an option to extend the bank’s contract for two years, even though officials with the financial institution indicated that they would like to end their work for the state unemployment system. The bank has had the exclusive contract since 2010.

“Under the contract, the state had the sole option to extend and chose to do so,” said Bill Halldin, a spokesperson for Bank of America. “We have advised the state that we would like to exit this business as soon as possible. In the meantime, we will continue to administer unemployment payments and meet the requirements of the contract.”

Although the bank receives a fee when debit cards are used, bank officials have told lawmakers that the company has lost “hundreds of millions of dollars” administering the program since the COVID-19 pandemic began and millions of Californians were forced out of work as businesses shut down to reduce the spread of the coronavirus.

The state often seeks new competitive bids when the initial term of a contract ends. In this case, the state agency exercised its right to extend the contract “to help ensure continued service to claimants,” said Loree Levy, an EDD spokesperson. “Additionally, to improve card security, EDD is working with the bank to implement chip-enabled debit cards,” she said.

The agency is also planning to seek proposals from companies that can deliver benefits by direct deposit.

“Together these actions will help ensure debit card services will continue without interruption and position EDD to continue strengthening services for customers,” Levy said.

An unprecedented 23 million claims for unemployment benefits have been filed since the pandemic began. The state has paid $155 billion in benefits.

At the same time, EDD has said at least $11 billion in benefits were paid on fraudulent claims, while an additional $19 billion in claims have been deemed suspicious and are under investigation for possible fraud.

The bank drew the ire of many unemployed people in October when 350,000 debit cards were frozen pending an investigation of potential fraud. Many people with legitimate claims said their cards were blocked by the action.

A group of jobless Californians alleged in a lawsuit that the bank was improperly freezing legitimate accounts it suspected of fraud. A judge put subsequent restrictions on the bank’s ability to freeze accounts. In addition, many unemployed people have complained about delays in getting benefits from the state agency and difficulty getting Bank of America to help them with problems.

“EDD and B of A have let down millions of Californians throughout the pandemic,” said Assemblywoman Cottie Petrie-Norris (D-Laguna Beach), chairwoman of the Assembly Committee on Accountability and Administrative Review.

Asked about the bank wanting to end its work with the state, she added: “This is a testament to what an abysmal failure their relationship has been for California taxpayers.”

Los Angeles resident Kevin Brown, who was a hotel manager before the pandemic, said that his first debit card was frozen without warning and the bank told him he would have to contact EDD for help, but that the state agency did not respond to his email.

He said EDD later started sending him a bundle of several checks every other month, causing him to worry they might be stolen from the mail.

“It’s frustrating and stressful to deal with,” Brown said.

The bank’s losses stem in part from the huge volume of claims, which required it to hire thousands more workers to service the debit cards. It also had to produce many more cards. In addition, the bank has had to cover many funds obtained by fraudsters.

In some cases, thieves using stolen identities filed fraudulent claims with EDD and had the benefit cards delivered to addresses where they could intercept them. Although the bank is not responsible for covering those fraud costs, it does have to cover money stolen when cards were legitimately issued to unemployed people but criminals used stolen personal information to withdraw money from those cards.

In addition, in other cases in which fraudulent claims were approved by EDD, criminals then called the bank falsely saying they were legitimate claimants whose money was stolen from their cards, and the bank has covered those losses without the ability to recover the funds.

Although the bank is expected to fulfill its contractual obligations, the state may eventually bring in another contractor or significantly reduce the scope of the bank’s work.

EDD is close to issuing a request for competitive proposals from banks to provide the option of having benefits directly deposited electronically into the accounts of unemployment claimants.

The desire of the bank to end its work for EDD is a red flag, said Republican Assemblyman Jim Patterson of Fresno, a leading legislative critic of EDD and vice chairman of the Assembly accountability committee.

He called on EDD Director Rita Saenz to brief lawmakers on what is behind the contractual issues.

“When the contractor wants to break ties with the EDD, you know there’s a bigger problem,” Patterson said. “Bank of America hasn’t done everything right either, but the fact that they want nothing to do with EDD tells me there are deep divisions here that the EDD needs to share with legislators immediately.”

Sours: https://www.latimes.com/california/story/2021-07-09/california-extends-contract-with-bank-of-america-edd-unemployment-benefits-program

Edd number of america bank phone

EXCLUSIVE: BofA says it wants out of unemployment benefits contract as EDD renews

SAN FRANCISCO (KGO) -- The Employment Development Department, already beset by turmoil, just renewed its troubled partnership with Bank of America, a move that infuriated many lawmakers and the bank itself.

Bank of America tells 7 On Your Side exclusively it wants to get out of the contract as soon as possible. It just shows no one wants any more of the torture of the past year, but the EDD had the sole option to renew this contract and it did, to the chagrin of lawmakers and the bank itself.

It means Bank of America will continue delivering unemployment benefits on EDD debit cards for up to two more years despite rampant fraud, frozen accounts and a class action lawsuit.

Plenty of state lawmakers and EDD cardholders are none too happy about it. They wanted changes in the contract or a different bank, but the EDD decided to renew the contract, without any changes, for up to two years. The EDD says it was the right move for now, but promises change in the future.

Steve Daly was shocked to find a thief had drained all $16,000 from his EDD debit card. Instead of reimbursing him, Bank of America froze his account.

"I found out about the hack when there was no money in my account," he said. "It was a nightmare. Nobody knew what was going on."

RELATED: Judge says Bank of America may have illegally denied EDD fraud claims

Annmarie Garvey realized someone ran up $14,000 on her EDD account even before she got her debit card in the mail. The bank restored her money only to take it all back out, then froze her account too.

"I'm the victim and I'm being treated like the criminal," she said.

They are among thousands of fraud victims who say Bank of America made it impossible to get their benefits restored.

State lawmakers blasted EDD for renewing the exclusive contract with Bank of America to provide EDD debit cards, despite the widespread turmoil and fraud.

But as it turns out, Bank of America is equally dismayed. Just today, the bank told 7 On Your Side it wants out of the contract, saying: "We have advised the state that we would like to exit this business as soon as possible."

VIDEO: Retired Chicago woman can't figure out why California's EDD approved her for benefits


The deal with EDD has brought plenty of grief to the bank as well. BofA claims it lost $200 million to criminals making phony claims of fraud on EDD debit cards, which they falsely obtained.

"Bank of America and EDD, unfortunately, left our constituents hanging at the worst possible time," said State Assemblymember David Chiu, D-San Francisco.

"What they have done is renewed a contract that has made Californians' life so miserable," said State Senator Jim Patterson, R-Fresno.

Now the bank is facing a class action lawsuit, which claims Bank of America failed to prevent fraud or even put security chips on debit cards, then automatically denied claims without investigation.

A judge ruled the bank likely broke federal law by rejecting claims and freezing accounts using only an automated fraud filter.

"This is a bureaucracy that has to face the music sooner or later," said Patterson.

RELATED: Easier to get Real ID or EDD benefits? CA woman defies the odds

Bank of America says it received 230,000 claims of debit card fraud from last October to March. It denied more than half the claims, but says anyone can ask for a new review.

The EDD says the contract renewal gives Bank of America the time it needs to manage millions of ongoing accounts. It's also working with the bank to add security chips to the cards for the first time.

The bank said today it will meet its obligations, even as it wants out of the business.

The contract still includes a major financial perk for both the bank and the EDD.

Under the agreement, they share transaction fees generated every time someone swipes an EDD debit card. Those revenues skyrocketed during the pandemic. The EDD raked in more than $47 million from last March until this April, nearly five times more than in 2019.

VIDEO: CA man can't get unemployment benefits because EDD claims he's in prison


The bank did not disclose its share of the earnings.

"We were all surprised to learn that it's Californians who have to pay Bank of America to access their money," said Chiu.

"A split of state money fees collected with your contractor, that just smells," Patterson said.

We've found many cardholders so frustrated they are now having the EDD mail paper checks instead.

The EDD says it's also planning to offer an option for direct deposit of benefits into personal bank accounts, avoiding debit cards entirely.

Take a look at more stories and videos by Michael Finney and 7 On Your Side.

Have a question for Michael and the 7 On Your Side team? Fill out the form HERE!
7OYS's consumer hotline is a free consumer mediation service for those in the San Francisco Bay Area. We assist individuals with consumer-related issues; we cannot assist on cases between businesses, or cases involving family law, criminal matters, landlord/tenant disputes, labor issues, or medical issues. Please review our FAQ here. As a part of our process in assisting you, it is necessary that we contact the company / agency you are writing about. If you do not wish us to contact them, please let us know right away, as it will affect our ability to work on your case. Due to the high volume of emails we receive, please allow 3-5 business days for a response.

Sours: https://abc7news.com/bofa-edd-debit-card-bankofamerica-fraud-news-california-unemployment/10854177/
EDD Fraud: Federal Judge Issues Sweeping Injunction Against Bank of America

Digital Wallets

Advertising Practices

We strive to provide you with information about products and services you might find interesting and useful. Relationship-based ads and online behavioral advertising help us do that.

Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have.

If you prefer that we do not use this information, you may opt out of online behavioral advertising. If you opt out, though, you may still receive generic advertising. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements.

Also, if you opt out of online behavioral advertising, you may still see ads when you sign in to your account, for example through Online Banking or MyMerrill. These ads are based on your specific account relationships with us.

To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review Bank of America Online Privacy Notice and our Online Privacy FAQs.

Sours: https://promotions.bankofamerica.com/digitalbanking/mobilebanking/digitalwallets

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Debit Card

En español

New Chip-Enabled Debit Cards

Starting July 25, you will receive a new chip-enabled debit card if you:

  • Are a new claimant receiving EDD benefits for the first time.
  • Have a card that is expiring soon.
  • Need a replacement card because your card is expired or has been lost, stolen, or damaged. Learn more about replacement and expired cards.

If you have a question about activity on your account related to fraud or suspected fraud, contact a Bank of America fraud specialist directly at 1-800-558-9226.

About the Debit Card

The EDD issues benefit payments for Disability Insurance, Paid Family Leave, and Unemployment Insurance claims using a visa debit card. This prepaid debit card is a fast, convenient, and secure way to get your benefit payments and is not subject to a credit check or monitoring by the EDD. With the debit card you can:

  • Get your money sooner.
  • Use it everywhere VISA is accepted (in stores, online, and by phone).
  • Withdraw cash at ATMs, banks, and stores with cash back options.
  • Transfer funds to the financial institution of your choice at no additional cost.
  • Be notified when a deposit is made to your card or when you have a low balance.
  • Receive fraud protection from a Zero Liability Policy.

Note: Your card is valid for three years from the date it is issued and is used for all EDD benefit programs, so you should keep it until it expires.

New Cardholders

If you have never had a debit card from the EDD before, Bank of America will mail you a card after your first benefit payment has been issued by the EDD . It can take 7 to 10 business days to receive your card in the mail.

To activate a new card, use one of the following methods:

  • Online - Visit the Bank of America debit card website and select Activate My Card.
  • By phone - If you are calling from within the United States, call 1-866-692-9374 or 1-866-656-5913 (TTY). If you are calling from outside of the United States, call collect at 1-423-262-1650.

Existing Cardholders

Your card is valid for three years from the date it is issued and is used for all EDD benefit programs. If you previously participated in an EDD benefit program using a card, and began participating in an EDD benefit program again within three years of the date the card was issued, you will not have to wait for a new card to receive benefits. We will continue to load funds on your existing card and you will have immediate access to them.

Replacement and Expired Cards

If your card is lost or stolen, you must call Bank of America at 1-866-692-9374 (TTY: 1-866-656-5913). When prompted, choose the “lost or stolen” option from the automated menu. You do not need to have your old card number or speak to a representative.

If your card is damaged, you can order a replacement card online by visiting the Bank of America debit card website.

Replacement cards will be delivered in 7 to 10 business days from the date you order it. Once you order a replacement card, avoid requesting a second one. Ordering a second card will permanently block the first one and this may cause a delay in receiving your payments.

Note: Bank of America representatives cannot answer questions about your claim or pending payments.

Expired Cards

Card Activity within the Last 90 Days or $20 or Greater Balance

If you have activity on your card within the last 90 days, or if there is a balance of $20 or more, Bank of America will automatically mail you a new card before your card expires.

No Card Activity within the Last 90 Days and Balance Less Than $20

If you did not have any activity on the card within the last 90 days, or if you have a balance of less than $20, contact Bank of America debit card customer service to request a new card. You can check your remaining balance by calling one of the telephone numbers listed in the Additional Information section of this page.

Returned Cards

If you no longer want to use your card, contact Bank of America to retrieve any remaining funds, and then destroy your card. Do not mail your card to the EDD for any reason. The EDD cannot accept returned debit cards and cannot remove funds from the debit card. If you return a card to the EDD, we will forward it to Bank of America for destruction.  If you have an overpayment established on your claim and would like to make a payment to the EDD, visit Benefit Overpayment Services to learn how.

Payments

It takes at least three weeks to process a claim for unemployment benefits and issue payment to most eligible workers. Payment information for Unemployment Insurance is updated daily and is available through your UI Online account or by calling the UI Self-Service Phone Line at 1-866-333-4606.

Payment information for Disability Insurance or Paid Family Leave can be accessed through your SDI Online account or by calling one of the toll-free numbers provided at Contact Disability Insurance and Paid Family Leave.

Emergency Cash Assistance

Bank of America can assist you with a domestic emergency cash transfer if you need cash from your debit card immediately, such as if your card is lost or you are still waiting for your card to arrive in the mail. You can speak with a Bank of America customer representative by calling one of the phone numbers listed in the Additional Information section of this page. Visit Bank of America’s website and select Fee Information for information about emergency cash transfer fees.

Track Your Payments

Keep track of your debit card payments and balance information by downloading the Bank of America Prepaid Card app from any app store. Payment information is updated daily and is available through your UI Online or SDI Online account or by calling one of the toll-free numbers provided on Contact EDD.

Disclosures and Fees

You will receive a welcome packet with your card. Be sure to read all information including fees for the debit card. For digital wallets, view the Digital Account Fees and Disclosures (PDF). Careful use of this card will help you avoid unnecessary fees.

Additional Information

For more information about your debit card, visit Debit Card FAQs or Bank of America Debit Card FAQs.

If you need more help, you can speak with a Bank of America Customer Service representative 24 hours a day, 7 days a week by calling one of the following phone numbers:

  • Within the United States: 1-866-692-9374
  • Outside of the United States: 1-423-262-1650 (Collect)
  • TTY: 1-866-656-5913

Important: Bank of America representatives cannot answer questions about your claim or EDD programs.

Forgotten PIN

You can reset your PIN by logging into your account on Bank of America’s website. Go to My Settings, select My PIN, then select Forgot PIN.

Avoid Fraud

Keep your card in a safe place and never share your card, personal identification number (PIN), or other confidential information with anyone.

Important: The EDD and Bank of America will never contact you to request your debit card account number or PIN. If this information is requested by phone or email, do not respond.

Sours: https://edd.ca.gov/about_edd/The_EDD_Debit_Card.htm


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