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Bank of America and other large banks \u003ca href=\"https://www.bankofamerica.com/deposits/deposit-holds-faqs/\">are allowed to freeze deposits or entire accounts\u003c/a> if they believe fraud or suspicious activity is occurring.\u003c/p>\n\u003cp>“It feels like nothing is a safe space or a safe place, especially when it comes to finances,” LaRue, who posted pornographic videos online, said. “Even though \u003ca href=\"https://www.law.cornell.edu/wex/pornography#\">the work I do is 1,000 percent legal\u003c/a>, it doesn’t mean they won’t shut down my account or they won’t take my money away.”\u003c/p>\n\u003cp>Backpage started processing payments in cryptocurrency soon after \u003ca href=\"https://www.buzzfeednews.com/article/matthewzeitlin/backpagecom-cut-off-from-credit-card-networks\">Visa and Mastercard cut off ties with the website in 2015\u003c/a> as allegations grew that it was complicit in sex trafficking. Finally in 2018, \u003ca href=\"https://www.justice.gov/opa/pr/justice-department-leads-effort-seize-backpagecom-internet-s-leading-forum-prostitution-ads\">the Department of Justice seized the website and shut it down for “facilitating prostitution.”\u003c/a>\u003c/p>\n\u003ch3>The limits of traditional banking\u003c/h3>\n\u003cp>A few days after the end of Backpage, Congress \u003ca href=\"https://www.govinfo.gov/content/pkg/PLAW-115publ164/pdf/PLAW-115publ164.pdf\">passed a series of bills into law aimed at curbing sex trafficking.\u003c/a>\u003c/p>\n\u003cp>The laws, known as the Allow States and Victims To Fight Online Sex Trafficking Act (FOSTA) and the Stop Enabling Sex Traffickers Act (SESTA), attempted to shut down websites that facilitated sex trafficking online by increasing liability for third-party platforms — like Pornhub, RedTube and others — if they hosted content which played any role in facilitating sex trafficking or other illegal activities.\u003c/p>\n\u003cp>[aside postID=\"arts_13897823\" hero=\"https://ww2.kqed.org/app/uploads/sites/2/2021/06/nft-artists-composite.jpg\"]Sex workers and advocates for the industry warned that, while the laws were well-intentioned and addressed an important problem, the laws were too vaguely written and could harm sex workers and porn performers conducting their business legally.\u003c/p>\n\u003cp>Sure enough, in the years that followed, \u003ca href=\"https://lgbtq-economics.org/research/shut-down-shut-out/?fbclid=IwAR2G-691ykt7zDId3KGheoFdLujwbZP_rYhcEE1NSjFWF77_eFXfdlcouJw\">banks like JP Morgan Chase and Bank of America cracked down on sex workers\u003c/a> using their financial services and shut down many accounts, for fear of being perceived to be complicit by federal regulators.\u003c/p>\n\u003cp>“Folks had their accounts closed by either banks or fintech companies that also frequently froze the money they had in those accounts, and they had difficulties getting that back,” said Spencer Watson, Executive Director of the Center for LGBTQ Economic Advancement and Research (CLEAR), a Bay-Area based advocacy group. “Some were completely unable to get that back or some had to wait weeks or more in order to have the check from the proceeds of their bank account delivered to them.”\u003c/p>\n\u003cp>[pullquote align=\"right\" size=\"medium\" citation=\"Alexandria LaRue, Sex worker\"]‘Even though the work I do is 1,000 percent legal, it doesn’t mean [banks] won’t shut down my account or they won’t take my money away.’[/pullquote]In 2019, the Sex Workers Outreach Project’s (SWOP) Sacramento branch and non-profit Reframe Health + Justice \u003ca href=\"https://lgbtq-economics.org/research/shut-down-shut-out/?fbclid=IwAR2G-691ykt7zDId3KGheoFdLujwbZP_rYhcEE1NSjFWF77_eFXfdlcouJw\">conducted a national survey of more than 60 sex workers and their experiences with traditional banking systems\u003c/a>. Almost half of the respondents said they had their accounts closed or denied by national banks and almost a third were told their account had been closed for a violation of the company’s terms and conditions of service.\u003c/p>\n\u003cp>“These companies have a strong profit motive and they’re also risk-averse,” Watson said. “And so the risk of dealing with individuals who work in sex work or in adult professions and businesses is a really strong deterrent for them to actually provide service.”\u003cbr>\n[ad fullwidth]\u003c/p>\n\u003ch3>“This is the future, this is where stuff is going to go”\u003c/h3>\n\u003cp>LaRue, also a Chapter Director for SWOP, felt like cryptocurrency was the only way to secure their financial future.\u003c/p>\n\u003cp>“I just integrated it into part of my life because I knew this is the future, this is where stuff is going to go,” they said. “There was information about it online, of course, and I spent a lot of time on Reddit trying to educate myself on what it is, how it works.”\u003c/p>\n\u003cp>Cryptocurrency-focused entrepreneurs saw an underserved market in the adult entertainment industry. Startups have popped up with snappy names like CumRocket, TitCoin and Model-X. Until federal regulators start to write laws that take into account cryptocurrency, these companies can operate outside the rules traditional banks must follow.\u003c/p>\n\u003cp>[aside postID=\"news_11860999\" hero=\"https://ww2.kqed.org/app/uploads/sites/10/2021/02/Protest_1-1-1020x573.png\"]When banks like JP Morgan Chase and Bank of America do provide service to adult entertainment websites, they often \u003ca href=\"https://www.ft.com/content/a6b5f2ca-daeb-483f-8004-d8189d99ded3\">charge high rates, because of a high frequency of “chargebacks,”\u003c/a> when a customer disputes a charge on their account statement and claims the charge was made fraudulently.\u003c/p>\n\u003cp>Cryptocurrency, on the other hand, is immutable, so it can’t be disputed or taken back. Once a payment is made, it’s accounted for on the distributed ledger and is set in stone. Adult entertainment sites that accept cryptocurrency, instead of payment from traditional banks, don’t have to pay high fees from those cryptocurrency platforms and therefore don’t pass along the cost to the performers who post their content on their sites.\u003c/p>\n\u003cp>LaRue was one of the early adopters of SpankChain, a website on which adult entertainers can post explicit pictures and videos and get paid for their work in cryptocurrency. The company launched BOOTY ERC20, which has a lower volatility in value than a cryptocurrency coin like Bitcoin or Ether. It also recently launched Spank Pop Shots, where customers can buy one-of-a-kind digital, erotic pictures of models and performers called nonfungible tokens (NFTs).\u003c/p>\n\u003cp>But cryptocurrency still remains a mystery to many porn performers looking for alternative banking solutions.\u003c/p>\n\u003cp>Sage the Flame, a performer based in Atlanta, started out in adult entertainment by posting erotic pictures on Snapchat. She handled money through PayPal, but the company eventually flagged her account for suspicious activity.\u003c/p>\n\u003cp>[aside postID=\"arts_13901451\" hero=\"https://ww2.kqed.org/app/uploads/sites/2/2021/08/022_SanFrancisco_TransgenderDistrictStaff_07292021-1020x680.jpg\"]“I guess my account got flagged just because of the small frequent payments that were happening on my account,” Sage said. “And they were just like, this is against our terms of service. You’re banned for life.”\u003c/p>\n\u003cp>The company held almost $2,000 in her account for six months. Sage had to ask family members for help to cover bills and rent payments. After getting her money back, Sage decided to turn to OnlyFans to post content. She found it easy to use and was pleased to see a specialized payment platform built into the website.\u003c/p>\n\u003cp>“It definitely made the whole process of keeping fans engaged, selling them content, interacting with them — it definitely made that process a lot easier and a lot more streamlined,” Sage said.\u003c/p>\n\u003cp>When the pandemic hit, Sage’s popularity on OnlyFans skyrocketed and she was able to make a steady income from her channel. But then in August, OnlyFans announced it would have to start banning sexually explicit content because of pressure from credit card companies and banks.\u003c/p>\n\u003cp>https://twitter.com/OnlyFans/status/1429117407340240902?s=20\u003c/p>\n\u003cp>Sage started looking for other websites she could post her content to. The company reversed its decision six days later, but Sage and other performers no longer trusted the platform.\u003c/p>\n\u003cp>“It feels like the rug has been pulled up under us,” she said. “Why are we so disposable as a community? Why are we being discarded like this?”\u003c/p>\n\u003cp>Now Sage is working to diversify her platforms and post content to other sites. She asks customers to pay her on other financial platforms and keep the memo tab blank so her account doesn’t get flagged. But she’s not ready to switch to crypto.\u003c/p>\n\u003cp>“Unfortunately, cryptocurrency is not a convenient payment that everyone is accepting or everyone knows how to use,” she said.\u003c/p>\n\u003ch3>\u003cstrong>“Crypto is \u003cem>a\u003c/em> solution, not \u003cem>the\u003c/em> solution” \u003c/strong>\u003c/h3>\n\u003cp>Allie Knox, a fetish and porn performer, was one of the first performers to accept cryptocurrency payments exclusively and is one of the loudest voices in the sex work cryptocurrency space. She started shooting porn in 2014 and almost immediately got shut out from payment apps including PayPal, Square, Cash App and Stripe.\u003c/p>\n\u003cp>Left with no other choice, Knox started using cryptocurrency. She signed up with Coinbase, one of the largest crypto exchange platforms, and quickly became an expert in how to invest in the crypto market.\u003c/p>\n\u003cp>[aside label ='Related Stories' tag='technology']Knox believed in cryptocurrency’s promise to provide financial services to everyone, regardless of their profession, but that belief shattered when CoinBase blocked her account in 2016 for “suspicious activity.” CoinBase has since \u003ca href=\"https://www.coinbase.com/legal/user_agreement/united_states#appendix-1-prohibited-use-prohibited-businesses-and-conditional-use\">prohibited the use of accounts connected with adult content and services\u003c/a>, even though the production and distribution of pornography is legal.\u003c/p>\n\u003cp>“Technology is never going to solve these social issues and that’s really what this is,” she said.\u003c/p>\n\u003cp>She helped launch SpankChain and now serves as an advisor to the company. But Knox says there are real challenges with using cryptocurrency and getting an entire industry to come on board. She says it’s difficult to use and not as accessible as it promises to be.\u003c/p>\n\u003cp>“I have lost a lot of money in addition to making a lot of money. Crypto is a solution, not the solution,” Knox said.\u003cbr>\n[ad fullwidth]\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n","blocks":[],"excerpt":"Ever since Congress passed a series of laws in 2018, it's been difficult for adult entertainment and sex workers to find platforms that will provide them with financial services. But cryptocurrencies are stepping in to fill that gap.","status":"publish","parent":0,"modified":1690402271,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":34,"wordCount":1648},"headData":{"title":"When Banks Turned Their Backs on Them, Some Adult Entertainment Workers Turned to Cryptocurrency | KQED","description":"Ever since Congress passed a series of laws in 2018, it's been difficult for adult entertainment and sex workers to find platforms that will provide them with financial services. But cryptocurrencies are stepping in to fill that gap.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"When Banks Turned Their Backs on Them, Some Adult Entertainment Workers Turned to Cryptocurrency","datePublished":"2021-12-23T18:30:13.000Z","dateModified":"2023-07-26T20:11:11.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"audioUrl":"https://traffic.omny.fm/d/clips/0af137ef-751e-4b19-a055-aaef00d2d578/ffca7e9f-6831-41c5-bcaf-aaef00f5a073/0d6a6301-b722-4564-85b4-adfe0137e44e/audio.mp3","excludeFromSiteSearch":"Include","path":"/news/11899955/when-banks-turned-their-backs-on-them-some-adult-entertainment-workers-turned-to-cryptocurrency","audioDuration":209000,"audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Alexandria LaRue became a sex worker in 2012, posting photos and videos on Backpage, \u003ca href=\"https://www.washingtonpost.com/news/morning-mix/wp/2017/01/10/backpage-com-shuts-down-adult-services-ads-after-relentless-pressure-from-authorities/\">a now-defunct classified advertising website that gained notoriety for its adult-themed content\u003c/a>.\u003c/p>\n\u003cp>Almost immediately after LaRue — who uses the pronoun “they” — started doing this work, Bank of America closed their account and seized the more than $2,000 that was in it. Bank of America and other large banks \u003ca href=\"https://www.bankofamerica.com/deposits/deposit-holds-faqs/\">are allowed to freeze deposits or entire accounts\u003c/a> if they believe fraud or suspicious activity is occurring.\u003c/p>\n\u003cp>“It feels like nothing is a safe space or a safe place, especially when it comes to finances,” LaRue, who posted pornographic videos online, said. “Even though \u003ca href=\"https://www.law.cornell.edu/wex/pornography#\">the work I do is 1,000 percent legal\u003c/a>, it doesn’t mean they won’t shut down my account or they won’t take my money away.”\u003c/p>\n\u003cp>Backpage started processing payments in cryptocurrency soon after \u003ca href=\"https://www.buzzfeednews.com/article/matthewzeitlin/backpagecom-cut-off-from-credit-card-networks\">Visa and Mastercard cut off ties with the website in 2015\u003c/a> as allegations grew that it was complicit in sex trafficking. Finally in 2018, \u003ca href=\"https://www.justice.gov/opa/pr/justice-department-leads-effort-seize-backpagecom-internet-s-leading-forum-prostitution-ads\">the Department of Justice seized the website and shut it down for “facilitating prostitution.”\u003c/a>\u003c/p>\n\u003ch3>The limits of traditional banking\u003c/h3>\n\u003cp>A few days after the end of Backpage, Congress \u003ca href=\"https://www.govinfo.gov/content/pkg/PLAW-115publ164/pdf/PLAW-115publ164.pdf\">passed a series of bills into law aimed at curbing sex trafficking.\u003c/a>\u003c/p>\n\u003cp>The laws, known as the Allow States and Victims To Fight Online Sex Trafficking Act (FOSTA) and the Stop Enabling Sex Traffickers Act (SESTA), attempted to shut down websites that facilitated sex trafficking online by increasing liability for third-party platforms — like Pornhub, RedTube and others — if they hosted content which played any role in facilitating sex trafficking or other illegal activities.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"arts_13897823","hero":"https://ww2.kqed.org/app/uploads/sites/2/2021/06/nft-artists-composite.jpg","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Sex workers and advocates for the industry warned that, while the laws were well-intentioned and addressed an important problem, the laws were too vaguely written and could harm sex workers and porn performers conducting their business legally.\u003c/p>\n\u003cp>Sure enough, in the years that followed, \u003ca href=\"https://lgbtq-economics.org/research/shut-down-shut-out/?fbclid=IwAR2G-691ykt7zDId3KGheoFdLujwbZP_rYhcEE1NSjFWF77_eFXfdlcouJw\">banks like JP Morgan Chase and Bank of America cracked down on sex workers\u003c/a> using their financial services and shut down many accounts, for fear of being perceived to be complicit by federal regulators.\u003c/p>\n\u003cp>“Folks had their accounts closed by either banks or fintech companies that also frequently froze the money they had in those accounts, and they had difficulties getting that back,” said Spencer Watson, Executive Director of the Center for LGBTQ Economic Advancement and Research (CLEAR), a Bay-Area based advocacy group. “Some were completely unable to get that back or some had to wait weeks or more in order to have the check from the proceeds of their bank account delivered to them.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"‘Even though the work I do is 1,000 percent legal, it doesn’t mean [banks] won’t shut down my account or they won’t take my money away.’","name":"pullquote","attributes":{"named":{"align":"right","size":"medium","citation":"Alexandria LaRue, Sex worker","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>In 2019, the Sex Workers Outreach Project’s (SWOP) Sacramento branch and non-profit Reframe Health + Justice \u003ca href=\"https://lgbtq-economics.org/research/shut-down-shut-out/?fbclid=IwAR2G-691ykt7zDId3KGheoFdLujwbZP_rYhcEE1NSjFWF77_eFXfdlcouJw\">conducted a national survey of more than 60 sex workers and their experiences with traditional banking systems\u003c/a>. Almost half of the respondents said they had their accounts closed or denied by national banks and almost a third were told their account had been closed for a violation of the company’s terms and conditions of service.\u003c/p>\n\u003cp>“These companies have a strong profit motive and they’re also risk-averse,” Watson said. “And so the risk of dealing with individuals who work in sex work or in adult professions and businesses is a really strong deterrent for them to actually provide service.”\u003cbr>\n\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003ch3>“This is the future, this is where stuff is going to go”\u003c/h3>\n\u003cp>LaRue, also a Chapter Director for SWOP, felt like cryptocurrency was the only way to secure their financial future.\u003c/p>\n\u003cp>“I just integrated it into part of my life because I knew this is the future, this is where stuff is going to go,” they said. “There was information about it online, of course, and I spent a lot of time on Reddit trying to educate myself on what it is, how it works.”\u003c/p>\n\u003cp>Cryptocurrency-focused entrepreneurs saw an underserved market in the adult entertainment industry. Startups have popped up with snappy names like CumRocket, TitCoin and Model-X. Until federal regulators start to write laws that take into account cryptocurrency, these companies can operate outside the rules traditional banks must follow.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"news_11860999","hero":"https://ww2.kqed.org/app/uploads/sites/10/2021/02/Protest_1-1-1020x573.png","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>When banks like JP Morgan Chase and Bank of America do provide service to adult entertainment websites, they often \u003ca href=\"https://www.ft.com/content/a6b5f2ca-daeb-483f-8004-d8189d99ded3\">charge high rates, because of a high frequency of “chargebacks,”\u003c/a> when a customer disputes a charge on their account statement and claims the charge was made fraudulently.\u003c/p>\n\u003cp>Cryptocurrency, on the other hand, is immutable, so it can’t be disputed or taken back. Once a payment is made, it’s accounted for on the distributed ledger and is set in stone. Adult entertainment sites that accept cryptocurrency, instead of payment from traditional banks, don’t have to pay high fees from those cryptocurrency platforms and therefore don’t pass along the cost to the performers who post their content on their sites.\u003c/p>\n\u003cp>LaRue was one of the early adopters of SpankChain, a website on which adult entertainers can post explicit pictures and videos and get paid for their work in cryptocurrency. The company launched BOOTY ERC20, which has a lower volatility in value than a cryptocurrency coin like Bitcoin or Ether. It also recently launched Spank Pop Shots, where customers can buy one-of-a-kind digital, erotic pictures of models and performers called nonfungible tokens (NFTs).\u003c/p>\n\u003cp>But cryptocurrency still remains a mystery to many porn performers looking for alternative banking solutions.\u003c/p>\n\u003cp>Sage the Flame, a performer based in Atlanta, started out in adult entertainment by posting erotic pictures on Snapchat. She handled money through PayPal, but the company eventually flagged her account for suspicious activity.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"arts_13901451","hero":"https://ww2.kqed.org/app/uploads/sites/2/2021/08/022_SanFrancisco_TransgenderDistrictStaff_07292021-1020x680.jpg","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>“I guess my account got flagged just because of the small frequent payments that were happening on my account,” Sage said. “And they were just like, this is against our terms of service. You’re banned for life.”\u003c/p>\n\u003cp>The company held almost $2,000 in her account for six months. Sage had to ask family members for help to cover bills and rent payments. After getting her money back, Sage decided to turn to OnlyFans to post content. She found it easy to use and was pleased to see a specialized payment platform built into the website.\u003c/p>\n\u003cp>“It definitely made the whole process of keeping fans engaged, selling them content, interacting with them — it definitely made that process a lot easier and a lot more streamlined,” Sage said.\u003c/p>\n\u003cp>When the pandemic hit, Sage’s popularity on OnlyFans skyrocketed and she was able to make a steady income from her channel. But then in August, OnlyFans announced it would have to start banning sexually explicit content because of pressure from credit card companies and banks.\u003c/p>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"singleTwitterStatus","attributes":{"named":{"id":"1429117407340240902"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\n\u003cp>Sage started looking for other websites she could post her content to. The company reversed its decision six days later, but Sage and other performers no longer trusted the platform.\u003c/p>\n\u003cp>“It feels like the rug has been pulled up under us,” she said. “Why are we so disposable as a community? Why are we being discarded like this?”\u003c/p>\n\u003cp>Now Sage is working to diversify her platforms and post content to other sites. She asks customers to pay her on other financial platforms and keep the memo tab blank so her account doesn’t get flagged. But she’s not ready to switch to crypto.\u003c/p>\n\u003cp>“Unfortunately, cryptocurrency is not a convenient payment that everyone is accepting or everyone knows how to use,” she said.\u003c/p>\n\u003ch3>\u003cstrong>“Crypto is \u003cem>a\u003c/em> solution, not \u003cem>the\u003c/em> solution” \u003c/strong>\u003c/h3>\n\u003cp>Allie Knox, a fetish and porn performer, was one of the first performers to accept cryptocurrency payments exclusively and is one of the loudest voices in the sex work cryptocurrency space. She started shooting porn in 2014 and almost immediately got shut out from payment apps including PayPal, Square, Cash App and Stripe.\u003c/p>\n\u003cp>Left with no other choice, Knox started using cryptocurrency. She signed up with Coinbase, one of the largest crypto exchange platforms, and quickly became an expert in how to invest in the crypto market.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"label":"Related Stories ","tag":"technology"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Knox believed in cryptocurrency’s promise to provide financial services to everyone, regardless of their profession, but that belief shattered when CoinBase blocked her account in 2016 for “suspicious activity.” CoinBase has since \u003ca href=\"https://www.coinbase.com/legal/user_agreement/united_states#appendix-1-prohibited-use-prohibited-businesses-and-conditional-use\">prohibited the use of accounts connected with adult content and services\u003c/a>, even though the production and distribution of pornography is legal.\u003c/p>\n\u003cp>“Technology is never going to solve these social issues and that’s really what this is,” she said.\u003c/p>\n\u003cp>She helped launch SpankChain and now serves as an advisor to the company. But Knox says there are real challenges with using cryptocurrency and getting an entire industry to come on board. She says it’s difficult to use and not as accessible as it promises to be.\u003c/p>\n\u003cp>“I have lost a lot of money in addition to making a lot of money. Crypto is a solution, not the solution,” Knox said.\u003cbr>\n\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"floatright"},"numeric":["floatright"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11899955/when-banks-turned-their-backs-on-them-some-adult-entertainment-workers-turned-to-cryptocurrency","authors":["11672"],"categories":["news_8"],"tags":["news_30421","news_1905","news_21368","news_22758","news_22757","news_29720","news_27626","news_2619","news_30424","news_5568","news_17827","news_30423","news_20502","news_23210","news_353","news_30422","news_17623","news_1631"],"featImg":"news_11900172","label":"news"},"news_11858814":{"type":"posts","id":"news_11858814","meta":{"index":"posts_1591205157","site":"news","id":"11858814","score":null,"sort":[1612550687000]},"guestAuthors":[],"slug":"edd-and-bank-of-america-make-millions-on-california-unemployment","title":"EDD and Bank of America Make Millions on California Unemployment","publishDate":1612550687,"format":"standard","headTitle":"KQED News","labelTerm":{"site":"news"},"content":"\u003cp>\u003cem>Leer en \u003ca href=\"https://calmatters.org/calmatters-en-espanol/2021/02/como-el-edd-y-bank-of-america-ganan-millones-con-el-desempleo-en-california/\" target=\"_blank\" rel=\"noopener noreferrer\">español\u003c/a>.\u003c/em>\u003c/p>\n\u003cp>She didn’t know it at the time, but last September was when everything started to unravel for Julie Hansen. It was late in the month when the furloughed Disneyland candy maker noticed a string of suspicious charges totaling $12,222.23 on her state-issued Bank of America unemployment debit card. First, the money was credited back to her account. Then it disappeared again, setting in motion a chain of events that left her and her son homeless.\u003c/p>\n\u003cfigure id=\"attachment_11858834\" class=\"wp-caption alignleft\" style=\"max-width: 715px\">\u003cimg class=\"size-full wp-image-11858834\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2021/02/Julie_Hansen.png\" alt=\"Image of Julie and son\" width=\"715\" height=\"791\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2021/02/Julie_Hansen.png 715w, https://ww2.kqed.org/app/uploads/sites/10/2021/02/Julie_Hansen-160x177.png 160w\" sizes=\"(max-width: 715px) 100vw, 715px\">\u003cfigcaption class=\"wp-caption-text\">Julie Hansen with her son. The pair has stayed in Hansen’s Fiat and with friends while she fights for nearly $13,000 tied up in her frozen state-issued Bank of America unemployment debit card. \u003ccite>(Courtesy of Julie Hansen)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Behind the scenes, California’s Employment Development Department and longtime debit card contractor Bank of America were \u003ca href=\"https://calmatters.org/economy/2020/12/who-will-pay-for-all-of-californias-unemployment-fraud/\" target=\"_blank\" rel=\"noopener noreferrer\">scrambling to rein in rampant fraud\u003c/a>. They froze some 350,000 unemployment accounts around the time Hansen’s card was cut off.\u003c/p>\n\u003cp>The catch: while Hansen and other out-of-work Californians were left in financial purgatory unable to access unemployment money, a \u003ca href=\"https://calmatters.org/economy/2020/11/how-bank-of-america-helped-fuel-californias-unemployment-meltdown/\" target=\"_blank\" rel=\"noopener noreferrer\">Great Recession-era contract\u003c/a> ensured that the state and the bank kept raking in millions of dollars in merchant fees whenever debit cards still in circulation were swiped. In September, the EDD made $5.2 million on a debit card revenue sharing agreement with Bank of America — a sizable chunk of the $22.5 million the state raked in from March to October, according to public records requested by CalMatters.\u003c/p>\n\u003cp>How much money did Bank of America make on its end of the deal? The state says it doesn’t know, and the bank won’t say, despite a contract requirement to report unemployment debit card fees and revenue each month. “EDD does not track BofA’s revenue,” the agency told CalMatters. The bank declined to comment on its unemployment revenue and financial reporting.\u003c/p>\n\u003cp>“This is essentially a nifty little hidden kickback scheme,” said Assembly Member Jim Patterson, a Republican from Fresno. “This is becoming far too familiar. EDD just does not tell us what’s going on.”\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe src=\"https://e.infogram.com/8f3d8d73-5256-45ba-a497-01857d425f45?src=embed\" title=\"EDD debit card profit\" width=\"800\" height=\"870\" scrolling=\"no\" frameborder=\"0\" style=\"border:none;\" allowfullscreen=\"allowfullscreen\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003ch3>Basic Questions Unanswered\u003c/h3>\n\u003cp>In recent weeks, California lawmakers\u003ca href=\"https://calmatters.org/economy/2020/11/bank-of-america-california-lawmakers-unemployment-direct-deposit/\" target=\"_blank\" rel=\"noopener noreferrer\"> rushing to introduce new unemployment reform bills\u003c/a> have struggled to get basic questions answered about when and how jobless workers are paid — and who profits in the process.\u003c/p>\n\u003cp>Under Bank of America’s exclusive 2010 unemployment debit card contract with the state, which was \u003ca href=\"https://calmatters.org/economy/2020/11/how-bank-of-america-helped-fuel-californias-unemployment-meltdown/\" target=\"_blank\" rel=\"noopener noreferrer\">first detailed by CalMatters\u003c/a>, the Employment Development Department does not pay the bank directly for its financial services. Instead, the two parties split revenue on merchant transaction fees when the cards are swiped, and the bank charges limited consumer fees for things like ATM use or rush shipping on new debit cards. The contract specifies only that the state’s share of the fee revenue will “assist in offsetting program costs.”\u003c/p>\n\u003cp>The bank was supposed to report at least monthly on any fees earned and its average revenue, according to the contract provided by the state. But when CalMatters asked for those reports, the state said it did not have any records on bank fees. The agency said only that Bank of America made $37.8 million in transaction fees during 2013 — a figure disclosed as part of a bond estimate in a year when California paid out a sliver of the record \u003ca href=\"https://www.auditor.ca.gov/reports/2020-128and628.1/introduction.html\" target=\"_blank\" rel=\"noopener noreferrer\">$111 billion\u003c/a> in unemployment benefits from March to December last year.\u003c/p>\n\u003cp>\u003cspan style=\"font-weight: 400\">[ad fullwidth]\u003c/span>\u003c/p>\n\u003cp>“I’m stunned that EDD doesn’t know,” Patterson said, “and I’m not sure that I believe that they don’t know.”\u003c/p>\n\u003cp>Bank of America said it suspended some consumer fees, including rush shipping charges, in the spring. The bank declined to comment on transaction fees. Faiz Ahmad, managing director of transaction services for Bank of America, \u003ca href=\"https://calmatters.org/economy/2021/01/bank-of-america-lost-hundreds-of-millions-on-california-unemployment-fiasco/\" target=\"_blank\" rel=\"noopener noreferrer\">told lawmakers last week\u003c/a> that despite any money the bank may have made during the pandemic, it “lost hundreds of millions of dollars on the contract” last year due to fraud and a need to hire more customer service workers to respond to complaints.\u003c/p>\n\u003cp>\u003cspan style=\"font-weight: 400\">[pullquote size=\"medium\" align=\"right\" citation=\"Wendy Carrillo, Democratic Assembly Member, Los Angeles\"]'Bank of America’s contract with EDD belongs to California’s taxpayers. Its contents are not secret. They belong to the public record.'[/pullquote] \u003c/span>“Bank of America’s contract with EDD belongs to California’s taxpayers,” said Assembly Member Wendy Carrillo, a Democrat from Los Angeles. “Its contents are not secret. They belong to the public record.”\u003c/p>\n\u003cp>Lauren Saunders, associate director of the National Consumer Law Center, has \u003ca href=\"https://www.nclc.org/images/pdf/pr-reports/report-prepaid-card-2013.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">studied unemployment debit card contracts\u003c/a> including the one Bank of America has in California. She found that many states are “not paying any attention” to fees earned by banks — a lack of transparency that makes it hard to know how much unemployed workers are paying to use their benefit money — but that California’s revenue sharing agreement appears to be unique.\u003c/p>\n\u003cp>“Banks have to make money. They are selling a product,” Saunders said. “What’s more unusual is the state making money. That’s because California is such a big market and there was so much interchange revenue that the bank was willing to share some with the state, but that money should go back into making sure that people aren’t paying fees and to making sure that people get the money where they want to get it.”\u003c/p>\n\u003ch3>A Long Fight\u003c/h3>\n\u003cp>As fall turned to winter, Hansen tried everything she could think of to get her missing unemployment money back. She spent hours on hold with the bank, then called the state when she was told it was an identity verification issue. After waiting hours longer to get through to the state agency, and often hung up on in the process, she was told that she needed to call the bank. She called politicians and posted online, and briefly saw the account reopened just long enough for another $672 to post to the account, only to have the card frozen again. [aside tag=\"unemployment\" label=\"More Related Coverage\"]\u003c/p>\n\u003cp>By December, it was too late. Hansen and her son slept in her Fiat or stayed with friends after they were forced to leave their two-bedroom rental in the Inland Empire to avoid eviction proceedings. There were no Christmas presents that month.\u003c/p>\n\u003cp>“Nobody helps. They blame it on each other,” Hansen said. “I don’t know if they’re trying to make it to where I just don’t fight anymore, but that’s $13,000.”\u003c/p>\n\u003cp>Stories like Hansen’s, where both the state and the bank have added to confusion, make the prospect of unraveling California’s unemployment crisis more daunting. In Sacramento, both Democrats and Republicans have proposed legislation to add a direct deposit option for claimants, crack down on fraud and strengthen oversight. Bank of America’s current contract ends this summer.\u003c/p>\n\u003cp>In addition to refunding legitimate unemployment claimants caught up in the mess, Patterson worries about tax bills and unsuspecting people asked to repay the government for benefits paid out to fraudsters. He said lawmakers are weighing requirements for the agency to act fast.\u003c/p>\n\u003cp>Meanwhile, unemployment claimants accused Bank of America in a \u003ca href=\"https://calmatters.org/california-divide/2021/01/bank-of-america-sued-over-edd-unemployment-debit-card-fraud/\" target=\"_blank\" rel=\"noopener noreferrer\">class-action lawsuit filed last month\u003c/a> of putting them at risk of debit card fraud. The bank argues that the “vast majority” of fraud during the pandemic involved fraudulent unemployment applications that the state failed to catch, rather than debit card fraud. While lawmakers and the state auditor press for more details on \u003ca href=\"https://calmatters.org/newsletters/whatmatters/2021/01/how-edd-failed-to-detect-fraud/\" target=\"_blank\" rel=\"noopener noreferrer\">up to $31 billion in total fraud\u003c/a>, Saunders said it’s also possible that federal watchdogs like the Consumer Financial Protection Bureau could get involved if the bank fails to provide claim documentation or timely credits for fraud as required by law.\u003c/p>\n\u003cp>“If they’re found not to have complied,” Saunders said, “then the bank would be responsible to reimburse the consumers.”\u003c/p>\n\u003cp>With no full reopening in sight for Disneyland, Hansen has taken to making boxes of toffee, chocolate strawberries and peanut brittle in a friend’s kitchen for anyone who still has $10 or $20 to spend. She was mailed one paper unemployment check for $1,000 in January — enough to pay for her son’s medication and the car they were living in — and the family recently moved into a rented room while she fights for the rest of the missing money.\u003c/p>\n\u003cp>Hansen says, “There’s gotta be an easier way.”\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n","blocks":[],"excerpt":"State records show that the employment agency made $22.5 million on unemployment debit card fees as the pandemic ravaged the job market, but it failed to track how much Bank of America earned off a debit card contract during the spike in benefits. Lawmakers are asking questions about the revenue-sharing deal as workers still missing money fight to survive.","status":"publish","parent":0,"modified":1612555095,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":true,"iframeSrcs":["https://e.infogram.com/8f3d8d73-5256-45ba-a497-01857d425f45"],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":26,"wordCount":1475},"headData":{"title":"EDD and Bank of America Make Millions on California Unemployment | KQED","description":"State records show that the employment agency made $22.5 million on unemployment debit card fees as the pandemic ravaged the job market, but it failed to track how much Bank of America earned off a debit card contract during the spike in benefits. Lawmakers are asking questions about the revenue-sharing deal as workers still missing money fight to survive.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"EDD and Bank of America Make Millions on California Unemployment","datePublished":"2021-02-05T18:44:47.000Z","dateModified":"2021-02-05T19:58:15.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11858814 https://ww2.kqed.org/news/?p=11858814","disqusUrl":"https://ww2.kqed.org/news/2021/02/05/edd-and-bank-of-america-make-millions-on-california-unemployment/","disqusTitle":"EDD and Bank of America Make Millions on California Unemployment","nprByline":"Lauren Hepler \u003cbr> CalMatters","path":"/news/11858814/edd-and-bank-of-america-make-millions-on-california-unemployment","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cem>Leer en \u003ca href=\"https://calmatters.org/calmatters-en-espanol/2021/02/como-el-edd-y-bank-of-america-ganan-millones-con-el-desempleo-en-california/\" target=\"_blank\" rel=\"noopener noreferrer\">español\u003c/a>.\u003c/em>\u003c/p>\n\u003cp>She didn’t know it at the time, but last September was when everything started to unravel for Julie Hansen. It was late in the month when the furloughed Disneyland candy maker noticed a string of suspicious charges totaling $12,222.23 on her state-issued Bank of America unemployment debit card. First, the money was credited back to her account. Then it disappeared again, setting in motion a chain of events that left her and her son homeless.\u003c/p>\n\u003cfigure id=\"attachment_11858834\" class=\"wp-caption alignleft\" style=\"max-width: 715px\">\u003cimg class=\"size-full wp-image-11858834\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2021/02/Julie_Hansen.png\" alt=\"Image of Julie and son\" width=\"715\" height=\"791\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2021/02/Julie_Hansen.png 715w, https://ww2.kqed.org/app/uploads/sites/10/2021/02/Julie_Hansen-160x177.png 160w\" sizes=\"(max-width: 715px) 100vw, 715px\">\u003cfigcaption class=\"wp-caption-text\">Julie Hansen with her son. The pair has stayed in Hansen’s Fiat and with friends while she fights for nearly $13,000 tied up in her frozen state-issued Bank of America unemployment debit card. \u003ccite>(Courtesy of Julie Hansen)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Behind the scenes, California’s Employment Development Department and longtime debit card contractor Bank of America were \u003ca href=\"https://calmatters.org/economy/2020/12/who-will-pay-for-all-of-californias-unemployment-fraud/\" target=\"_blank\" rel=\"noopener noreferrer\">scrambling to rein in rampant fraud\u003c/a>. They froze some 350,000 unemployment accounts around the time Hansen’s card was cut off.\u003c/p>\n\u003cp>The catch: while Hansen and other out-of-work Californians were left in financial purgatory unable to access unemployment money, a \u003ca href=\"https://calmatters.org/economy/2020/11/how-bank-of-america-helped-fuel-californias-unemployment-meltdown/\" target=\"_blank\" rel=\"noopener noreferrer\">Great Recession-era contract\u003c/a> ensured that the state and the bank kept raking in millions of dollars in merchant fees whenever debit cards still in circulation were swiped. In September, the EDD made $5.2 million on a debit card revenue sharing agreement with Bank of America — a sizable chunk of the $22.5 million the state raked in from March to October, according to public records requested by CalMatters.\u003c/p>\n\u003cp>How much money did Bank of America make on its end of the deal? The state says it doesn’t know, and the bank won’t say, despite a contract requirement to report unemployment debit card fees and revenue each month. “EDD does not track BofA’s revenue,” the agency told CalMatters. The bank declined to comment on its unemployment revenue and financial reporting.\u003c/p>\n\u003cp>“This is essentially a nifty little hidden kickback scheme,” said Assembly Member Jim Patterson, a Republican from Fresno. “This is becoming far too familiar. EDD just does not tell us what’s going on.”\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe src=\"https://e.infogram.com/8f3d8d73-5256-45ba-a497-01857d425f45?src=embed\" title=\"EDD debit card profit\" width=\"800\" height=\"870\" scrolling=\"no\" frameborder=\"0\" style=\"border:none;\" allowfullscreen=\"allowfullscreen\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003ch3>Basic Questions Unanswered\u003c/h3>\n\u003cp>In recent weeks, California lawmakers\u003ca href=\"https://calmatters.org/economy/2020/11/bank-of-america-california-lawmakers-unemployment-direct-deposit/\" target=\"_blank\" rel=\"noopener noreferrer\"> rushing to introduce new unemployment reform bills\u003c/a> have struggled to get basic questions answered about when and how jobless workers are paid — and who profits in the process.\u003c/p>\n\u003cp>Under Bank of America’s exclusive 2010 unemployment debit card contract with the state, which was \u003ca href=\"https://calmatters.org/economy/2020/11/how-bank-of-america-helped-fuel-californias-unemployment-meltdown/\" target=\"_blank\" rel=\"noopener noreferrer\">first detailed by CalMatters\u003c/a>, the Employment Development Department does not pay the bank directly for its financial services. Instead, the two parties split revenue on merchant transaction fees when the cards are swiped, and the bank charges limited consumer fees for things like ATM use or rush shipping on new debit cards. The contract specifies only that the state’s share of the fee revenue will “assist in offsetting program costs.”\u003c/p>\n\u003cp>The bank was supposed to report at least monthly on any fees earned and its average revenue, according to the contract provided by the state. But when CalMatters asked for those reports, the state said it did not have any records on bank fees. The agency said only that Bank of America made $37.8 million in transaction fees during 2013 — a figure disclosed as part of a bond estimate in a year when California paid out a sliver of the record \u003ca href=\"https://www.auditor.ca.gov/reports/2020-128and628.1/introduction.html\" target=\"_blank\" rel=\"noopener noreferrer\">$111 billion\u003c/a> in unemployment benefits from March to December last year.\u003c/p>\n\u003cp>\u003cspan style=\"font-weight: 400\">\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/span>\u003c/p>\n\u003cp>“I’m stunned that EDD doesn’t know,” Patterson said, “and I’m not sure that I believe that they don’t know.”\u003c/p>\n\u003cp>Bank of America said it suspended some consumer fees, including rush shipping charges, in the spring. The bank declined to comment on transaction fees. Faiz Ahmad, managing director of transaction services for Bank of America, \u003ca href=\"https://calmatters.org/economy/2021/01/bank-of-america-lost-hundreds-of-millions-on-california-unemployment-fiasco/\" target=\"_blank\" rel=\"noopener noreferrer\">told lawmakers last week\u003c/a> that despite any money the bank may have made during the pandemic, it “lost hundreds of millions of dollars on the contract” last year due to fraud and a need to hire more customer service workers to respond to complaints.\u003c/p>\n\u003cp>\u003cspan style=\"font-weight: 400\">\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"'Bank of America’s contract with EDD belongs to California’s taxpayers. Its contents are not secret. They belong to the public record.'","name":"pullquote","attributes":{"named":{"size":"medium","align":"right","citation":"Wendy Carrillo, Democratic Assembly Member, Los Angeles","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp> \u003c/span>“Bank of America’s contract with EDD belongs to California’s taxpayers,” said Assembly Member Wendy Carrillo, a Democrat from Los Angeles. “Its contents are not secret. They belong to the public record.”\u003c/p>\n\u003cp>Lauren Saunders, associate director of the National Consumer Law Center, has \u003ca href=\"https://www.nclc.org/images/pdf/pr-reports/report-prepaid-card-2013.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">studied unemployment debit card contracts\u003c/a> including the one Bank of America has in California. She found that many states are “not paying any attention” to fees earned by banks — a lack of transparency that makes it hard to know how much unemployed workers are paying to use their benefit money — but that California’s revenue sharing agreement appears to be unique.\u003c/p>\n\u003cp>“Banks have to make money. They are selling a product,” Saunders said. “What’s more unusual is the state making money. That’s because California is such a big market and there was so much interchange revenue that the bank was willing to share some with the state, but that money should go back into making sure that people aren’t paying fees and to making sure that people get the money where they want to get it.”\u003c/p>\n\u003ch3>A Long Fight\u003c/h3>\n\u003cp>As fall turned to winter, Hansen tried everything she could think of to get her missing unemployment money back. She spent hours on hold with the bank, then called the state when she was told it was an identity verification issue. After waiting hours longer to get through to the state agency, and often hung up on in the process, she was told that she needed to call the bank. She called politicians and posted online, and briefly saw the account reopened just long enough for another $672 to post to the account, only to have the card frozen again. \u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"tag":"unemployment","label":"More Related Coverage "},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>By December, it was too late. Hansen and her son slept in her Fiat or stayed with friends after they were forced to leave their two-bedroom rental in the Inland Empire to avoid eviction proceedings. There were no Christmas presents that month.\u003c/p>\n\u003cp>“Nobody helps. They blame it on each other,” Hansen said. “I don’t know if they’re trying to make it to where I just don’t fight anymore, but that’s $13,000.”\u003c/p>\n\u003cp>Stories like Hansen’s, where both the state and the bank have added to confusion, make the prospect of unraveling California’s unemployment crisis more daunting. In Sacramento, both Democrats and Republicans have proposed legislation to add a direct deposit option for claimants, crack down on fraud and strengthen oversight. Bank of America’s current contract ends this summer.\u003c/p>\n\u003cp>In addition to refunding legitimate unemployment claimants caught up in the mess, Patterson worries about tax bills and unsuspecting people asked to repay the government for benefits paid out to fraudsters. He said lawmakers are weighing requirements for the agency to act fast.\u003c/p>\n\u003cp>Meanwhile, unemployment claimants accused Bank of America in a \u003ca href=\"https://calmatters.org/california-divide/2021/01/bank-of-america-sued-over-edd-unemployment-debit-card-fraud/\" target=\"_blank\" rel=\"noopener noreferrer\">class-action lawsuit filed last month\u003c/a> of putting them at risk of debit card fraud. The bank argues that the “vast majority” of fraud during the pandemic involved fraudulent unemployment applications that the state failed to catch, rather than debit card fraud. While lawmakers and the state auditor press for more details on \u003ca href=\"https://calmatters.org/newsletters/whatmatters/2021/01/how-edd-failed-to-detect-fraud/\" target=\"_blank\" rel=\"noopener noreferrer\">up to $31 billion in total fraud\u003c/a>, Saunders said it’s also possible that federal watchdogs like the Consumer Financial Protection Bureau could get involved if the bank fails to provide claim documentation or timely credits for fraud as required by law.\u003c/p>\n\u003cp>“If they’re found not to have complied,” Saunders said, “then the bank would be responsible to reimburse the consumers.”\u003c/p>\n\u003cp>With no full reopening in sight for Disneyland, Hansen has taken to making boxes of toffee, chocolate strawberries and peanut brittle in a friend’s kitchen for anyone who still has $10 or $20 to spend. She was mailed one paper unemployment check for $1,000 in January — enough to pay for her son’s medication and the car they were living in — and the family recently moved into a rented room while she fights for the rest of the missing money.\u003c/p>\n\u003cp>Hansen says, “There’s gotta be an easier way.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"floatright"},"numeric":["floatright"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11858814/edd-and-bank-of-america-make-millions-on-california-unemployment","authors":["byline_news_11858814"],"categories":["news_1758","news_8"],"tags":["news_1905","news_29131","news_18538","news_28339","news_28630","news_29130","news_631","news_27765"],"featImg":"news_11858820","label":"news"},"news_11857714":{"type":"posts","id":"news_11857714","meta":{"index":"posts_1591205157","site":"news","id":"11857714","score":null,"sort":[1611970716000]},"guestAuthors":[],"slug":"california-may-continue-paying-fraudulent-unemployment-claims","title":"California May Continue Paying Fraudulent Unemployment Claims","publishDate":1611970716,"format":"standard","headTitle":"KQED News","labelTerm":{"site":"news"},"content":"\u003cp>State Auditor Elaine Howle \u003ca href=\"https://apnews.com/article/california-jobless-claims-coronavirus-pandemic-0281a79c0e644fbe283f970ee1227ba6\" target=\"_blank\" rel=\"noopener noreferrer\">found Thursday\u003c/a> the state agency that oversees unemployment benefits paid out at least \u003ca href=\"https://www.latimes.com/california/story/2021-01-25/california-unemployment-fraud-11-billion-investigations\" target=\"_blank\" rel=\"noopener noreferrer\">$10.4 billion in fraudulent claims\u003c/a> due to “significant missteps and inaction.”\u003c/p>\n\u003cp>At one point, just two people were assigned to look into reports of 1,000 fraudulent claims per day. The audit found the agency paid at least $810 million to prison inmates, more than double the amount previously thought.\u003c/p>\n\u003cp>The findings are the latest examination of the agency’s struggles as it rushed to pay claims to millions of Californians who lost their jobs amid coronavirus-related business closures. While some say Gov. Gavin Newsom is at fault, several Democratic lawmakers and a former gubernatorial chief of staff say it's unfair to blame Newsom for the Employment Development Department’s problems, and that the focus should be on fixing the department. But Republicans and at least one outside expert say fraud could have been halted sooner.[pullquote size=\"medium\" align=\"right\" citation=\"Susan Kennedy, former chief of staff to Republican Gov. Arnold Schwarzenegger\"]'There is no magic wand for a state this large with this much volume with an antiquated computer system. The only thing you can do is cut through the bureaucracy.'[/pullquote]\u003c/p>\n\u003cp>Newsom spokeswoman Erin Mellon said the new federal unemployment program created last year was the source of most of the fraud, with the Trump administration giving states little assistance to combat it. She pointed to actions Newsom has taken like creating a strike force in August to evaluate the agency and, more recently, a fraud task force. But she declined to directly answer questions about whether the governor was aware of identity theft issues, how often he met with the unemployment department’s leadership in 2020 and who in his office was responsible for communicating with the department about problems.\u003c/p>\n\u003cp>The audit found the federal government warned the state at least three times in the early months of the pandemic to beef up its fraud protections. In May, the U.S. Department of Labor’s Office of the Inspector General warned California its surge of 2.9 million claims in March and April were likely tainted by at least $1.2 billion in fraud.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Still, the auditor found the state “continues to pay claims despite having evidence that they are very likely fraudulent.”\u003c/p>\n\u003cp>In an interview with \u003ca href=\"https://www.kqed.org/forum/2010101881829/edd-spokesperson-loree-levy-responds-to-state-audits\" target=\"_blank\" rel=\"noopener noreferrer\">KQED Forum\u003c/a>, Loree Levy, the deputy director of public affairs for California's Employee Development Department told KQED that efforts by the department prevented $60 billion worth of fraudulent claims. She noted the new identification system — \u003ca href=\"https://help.id.me/hc/en-us/articles/360054836774-How-do-I-verify-my-identity-for-the-California-Employment-Development-Department-EDD-\" target=\"_blank\" rel=\"noopener noreferrer\">ID.me\u003c/a> was key to this. Levy also said that criminals were going state to state \"to see where the vulnerabilities are.\" She also noted that it's an evolving situation in which \"the plane continues to be rebuilt in midair.\" [aside postID=\"news_2010101881829\"]\u003c/p>\n\u003cp>While EDD implemented ID.me to fight fraud and eliminate tedious manual processing times, applicants have reported hours-long wait times to verify their identities with the platform. These are especially tedious when claimants are redirected to the service's video call center, which happens if ID.me can't immediately process their verification document uploads.\u003c/p>\n\u003cp>On Monday, ID.me CEO Blake Hall said more than 70,000 Californians were redirected to the video service in January alone. ID.me is also less accessible for people who don't have smartphones and is currently only available in English and Spanish.\u003c/p>\n\u003cp>The EDD is under new leadership after the director retired in December. No department leaders were fired over the fraud.\u003c/p>\n\u003cp>“If California was a bank they wouldn’t be able to be in business anymore. The regulators would shut them down because they’re just not following normal business practices,” said Haywood Talcove, CEO of LexisNexis’ Risk Solutions Government division, an identity verification and fraud detection service that works with banks and some state governments. He said the state could have put in place protections without revamping its entire system.\u003c/p>\n\u003cp>But Susan Kennedy, who served as chief of staff to former Republican Gov. Arnold Schwarzenegger and in the administration of Democratic Gov. Gray Davis, said the state’s outdated systems have plagued the unemployment agency for decades. Faced with millions of Californians suddenly out of work and in need of benefits, state officials had little choice but to get benefits out as quickly as possible, even if fraud slipped in, she said.\u003c/p>\n\u003cp>“There is no magic wand for a state this large with this much volume with an antiquated computer system,” Kennedy said. “The only thing you can do is cut through the bureaucracy.”\u003c/p>\n\u003cp>Republicans, who hold the minority in the state Legislature, said Newsom bears the responsibility for the agency’s failures. Assemblyman Jim Patterson, R-Fresno, said his Democratic colleagues might not hold Newsom accountable.\u003c/p>\n\u003cp>“You get very close to politically covering up the responsibility of the governor,” Patterson said. [aside tag=\"unemployment, fraud\" label=\"More Related Stories\"]\u003c/p>\n\u003cp>Assemblyman Rudy Salas, D-Bakersfield, who chairs the Joint Legislative Audit Committee, said Newsom needs to “fully engage and immerse himself in fixing the problems at EDD.”\u003c/p>\n\u003cp>“I think it’s something that Californians are demanding and they’re demanding it now because they’re hurting,” Salas said. He said Newsom took a good first step by creating the strike team last summer.\u003c/p>\n\u003cp>Assemblyman David Chiu, a San Francisco Democrat who has been highly critical of the department, said it’s possible agency officials weren’t being truthful with the administration, though he hadn’t spoken directly to Newsom about the audit.\u003c/p>\n\u003cp>The audit found that the department had played a “significant role” in directing Bank of America, which handles unemployment debit cards, to freeze 344,000 accounts in September, many belonging to legitimate claimants. But the department had earlier told lawmakers that the bank had made the decision to freeze the accounts.\u003c/p>\n\u003cp>“Legislators have been given completely misleading, deceptive information,” Chiu said. “I suspect that that might also be true for the governor’s office.”\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>__\u003cbr>\n\u003cem>\u003cbr>\nAssociated Press reporters Kathleen Ronayne and Adam Beam and KQED's Mary Franklin Harvin and Lakshmi Sarah contributed to this post.\u003c/em>\u003c/p>\n\n","blocks":[],"excerpt":"A state audit that oversees unemployment benefits found at least $11.4 billion in fraudulent claims due to 'significant missteps and inaction.'","status":"publish","parent":0,"modified":1611974636,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":23,"wordCount":1060},"headData":{"title":"California May Continue Paying Fraudulent Unemployment Claims | KQED","description":"A state audit that oversees unemployment benefits found at least $11.4 billion in fraudulent claims due to 'significant missteps and inaction.'","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"California May Continue Paying Fraudulent Unemployment Claims","datePublished":"2021-01-30T01:38:36.000Z","dateModified":"2021-01-30T02:43:56.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11857714 https://ww2.kqed.org/news/?p=11857714","disqusUrl":"https://ww2.kqed.org/news/2021/01/29/california-may-continue-paying-fraudulent-unemployment-claims/","disqusTitle":"California May Continue Paying Fraudulent Unemployment Claims","path":"/news/11857714/california-may-continue-paying-fraudulent-unemployment-claims","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>State Auditor Elaine Howle \u003ca href=\"https://apnews.com/article/california-jobless-claims-coronavirus-pandemic-0281a79c0e644fbe283f970ee1227ba6\" target=\"_blank\" rel=\"noopener noreferrer\">found Thursday\u003c/a> the state agency that oversees unemployment benefits paid out at least \u003ca href=\"https://www.latimes.com/california/story/2021-01-25/california-unemployment-fraud-11-billion-investigations\" target=\"_blank\" rel=\"noopener noreferrer\">$10.4 billion in fraudulent claims\u003c/a> due to “significant missteps and inaction.”\u003c/p>\n\u003cp>At one point, just two people were assigned to look into reports of 1,000 fraudulent claims per day. The audit found the agency paid at least $810 million to prison inmates, more than double the amount previously thought.\u003c/p>\n\u003cp>The findings are the latest examination of the agency’s struggles as it rushed to pay claims to millions of Californians who lost their jobs amid coronavirus-related business closures. While some say Gov. Gavin Newsom is at fault, several Democratic lawmakers and a former gubernatorial chief of staff say it's unfair to blame Newsom for the Employment Development Department’s problems, and that the focus should be on fixing the department. But Republicans and at least one outside expert say fraud could have been halted sooner.\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"'There is no magic wand for a state this large with this much volume with an antiquated computer system. The only thing you can do is cut through the bureaucracy.'","name":"pullquote","attributes":{"named":{"size":"medium","align":"right","citation":"Susan Kennedy, former chief of staff to Republican Gov. Arnold Schwarzenegger","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Newsom spokeswoman Erin Mellon said the new federal unemployment program created last year was the source of most of the fraud, with the Trump administration giving states little assistance to combat it. She pointed to actions Newsom has taken like creating a strike force in August to evaluate the agency and, more recently, a fraud task force. But she declined to directly answer questions about whether the governor was aware of identity theft issues, how often he met with the unemployment department’s leadership in 2020 and who in his office was responsible for communicating with the department about problems.\u003c/p>\n\u003cp>The audit found the federal government warned the state at least three times in the early months of the pandemic to beef up its fraud protections. In May, the U.S. Department of Labor’s Office of the Inspector General warned California its surge of 2.9 million claims in March and April were likely tainted by at least $1.2 billion in fraud.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Still, the auditor found the state “continues to pay claims despite having evidence that they are very likely fraudulent.”\u003c/p>\n\u003cp>In an interview with \u003ca href=\"https://www.kqed.org/forum/2010101881829/edd-spokesperson-loree-levy-responds-to-state-audits\" target=\"_blank\" rel=\"noopener noreferrer\">KQED Forum\u003c/a>, Loree Levy, the deputy director of public affairs for California's Employee Development Department told KQED that efforts by the department prevented $60 billion worth of fraudulent claims. She noted the new identification system — \u003ca href=\"https://help.id.me/hc/en-us/articles/360054836774-How-do-I-verify-my-identity-for-the-California-Employment-Development-Department-EDD-\" target=\"_blank\" rel=\"noopener noreferrer\">ID.me\u003c/a> was key to this. Levy also said that criminals were going state to state \"to see where the vulnerabilities are.\" She also noted that it's an evolving situation in which \"the plane continues to be rebuilt in midair.\" \u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"news_2010101881829","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>While EDD implemented ID.me to fight fraud and eliminate tedious manual processing times, applicants have reported hours-long wait times to verify their identities with the platform. These are especially tedious when claimants are redirected to the service's video call center, which happens if ID.me can't immediately process their verification document uploads.\u003c/p>\n\u003cp>On Monday, ID.me CEO Blake Hall said more than 70,000 Californians were redirected to the video service in January alone. ID.me is also less accessible for people who don't have smartphones and is currently only available in English and Spanish.\u003c/p>\n\u003cp>The EDD is under new leadership after the director retired in December. No department leaders were fired over the fraud.\u003c/p>\n\u003cp>“If California was a bank they wouldn’t be able to be in business anymore. The regulators would shut them down because they’re just not following normal business practices,” said Haywood Talcove, CEO of LexisNexis’ Risk Solutions Government division, an identity verification and fraud detection service that works with banks and some state governments. He said the state could have put in place protections without revamping its entire system.\u003c/p>\n\u003cp>But Susan Kennedy, who served as chief of staff to former Republican Gov. Arnold Schwarzenegger and in the administration of Democratic Gov. Gray Davis, said the state’s outdated systems have plagued the unemployment agency for decades. Faced with millions of Californians suddenly out of work and in need of benefits, state officials had little choice but to get benefits out as quickly as possible, even if fraud slipped in, she said.\u003c/p>\n\u003cp>“There is no magic wand for a state this large with this much volume with an antiquated computer system,” Kennedy said. “The only thing you can do is cut through the bureaucracy.”\u003c/p>\n\u003cp>Republicans, who hold the minority in the state Legislature, said Newsom bears the responsibility for the agency’s failures. Assemblyman Jim Patterson, R-Fresno, said his Democratic colleagues might not hold Newsom accountable.\u003c/p>\n\u003cp>“You get very close to politically covering up the responsibility of the governor,” Patterson said. \u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"tag":"unemployment, fraud","label":"More Related Stories "},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Assemblyman Rudy Salas, D-Bakersfield, who chairs the Joint Legislative Audit Committee, said Newsom needs to “fully engage and immerse himself in fixing the problems at EDD.”\u003c/p>\n\u003cp>“I think it’s something that Californians are demanding and they’re demanding it now because they’re hurting,” Salas said. He said Newsom took a good first step by creating the strike team last summer.\u003c/p>\n\u003cp>Assemblyman David Chiu, a San Francisco Democrat who has been highly critical of the department, said it’s possible agency officials weren’t being truthful with the administration, though he hadn’t spoken directly to Newsom about the audit.\u003c/p>\n\u003cp>The audit found that the department had played a “significant role” in directing Bank of America, which handles unemployment debit cards, to freeze 344,000 accounts in September, many belonging to legitimate claimants. But the department had earlier told lawmakers that the bank had made the decision to freeze the accounts.\u003c/p>\n\u003cp>“Legislators have been given completely misleading, deceptive information,” Chiu said. “I suspect that that might also be true for the governor’s office.”\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>__\u003cbr>\n\u003cem>\u003cbr>\nAssociated Press reporters Kathleen Ronayne and Adam Beam and KQED's Mary Franklin Harvin and Lakshmi Sarah contributed to this post.\u003c/em>\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11857714/california-may-continue-paying-fraudulent-unemployment-claims","authors":["237"],"categories":["news_8"],"tags":["news_1905","news_28339","news_23052","news_22572","news_631","news_27765"],"featImg":"news_11857749","label":"news"},"news_11854097":{"type":"posts","id":"news_11854097","meta":{"index":"posts_1591205157","site":"news","id":"11854097","score":null,"sort":[1610035255000]},"guestAuthors":[],"slug":"california-suspends-1-4-million-virus-unemployment-claims","title":"California Suspends 1.4 Million Virus Unemployment Claims","publishDate":1610035255,"format":"standard","headTitle":"KQED News","labelTerm":{"site":"news"},"content":"\u003cp>California has frozen 1.4 million unemployment claims as it battles fraud in its massive coronavirus unemployment relief program, it was reported Wednesday.\u003c/p>\n\u003cp>The state Employment Development Department said it had examined existing claims from people who said they lost their jobs during the COVID-19 pandemic and found about 3.5 million claims were “potentially fraudulent,” the San Francisco Chronicle reported.\u003c/p>\n\u003cp>Nearly 2 million of those claims already have been disqualified and payment was suspended for about 1.4 million until they could be verified. The EDD said it would contact claimants to tell them how to prove their identities, the paper said. [aside tag=\"unemployment\" label=\"More Related Stories\"]\u003c/p>\n\u003cp>California, the nation’s most populous state, has processed more than 16 million unemployment benefits since March, a byproduct of the pandemic that prompted Gov. Gavin Newsom to order businesses to close. The EDD has struggled to keep up with the demand, facing intense pressure to work through a backlog that at one time numbered more than 1.6 million people.\u003c/p>\n\u003cp>The state has acknowledged that the department was bilked out of hundreds of millions of dollars in COVID-19 unemployment funds that went to fraudsters, including some in the name of U.S. Sen. Dianne Feinstein.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Others were sent to inmates in jails and prisons, including some on California’s death row, the agency has acknowledged.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Last month, Bank of America, which issues EDD benefit cards, told state lawmakers it had identified about 345,000 fraudulent claims worth about $2 billion, although that figure is expected to go much higher.\u003c/p>\n\n","blocks":[],"excerpt":"The state Employment Development Department said it had examined existing claims from people who said they lost their jobs during the COVID-19 pandemic and found about 3.5 million claims were 'potentially fraudulent,' the San Francisco Chronicle reported.","status":"publish","parent":0,"modified":1610044142,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":9,"wordCount":268},"headData":{"title":"California Suspends 1.4 Million Virus Unemployment Claims | KQED","description":"The state Employment Development Department said it had examined existing claims from people who said they lost their jobs during the COVID-19 pandemic and found about 3.5 million claims were 'potentially fraudulent,' the San Francisco Chronicle reported.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"California Suspends 1.4 Million Virus Unemployment Claims","datePublished":"2021-01-07T16:00:55.000Z","dateModified":"2021-01-07T18:29:02.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11854097 https://ww2.kqed.org/news/?p=11854097","disqusUrl":"https://ww2.kqed.org/news/2021/01/07/california-suspends-1-4-million-virus-unemployment-claims/","disqusTitle":"California Suspends 1.4 Million Virus Unemployment Claims","nprByline":"Associated Press","path":"/news/11854097/california-suspends-1-4-million-virus-unemployment-claims","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>California has frozen 1.4 million unemployment claims as it battles fraud in its massive coronavirus unemployment relief program, it was reported Wednesday.\u003c/p>\n\u003cp>The state Employment Development Department said it had examined existing claims from people who said they lost their jobs during the COVID-19 pandemic and found about 3.5 million claims were “potentially fraudulent,” the San Francisco Chronicle reported.\u003c/p>\n\u003cp>Nearly 2 million of those claims already have been disqualified and payment was suspended for about 1.4 million until they could be verified. The EDD said it would contact claimants to tell them how to prove their identities, the paper said. \u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"tag":"unemployment","label":"More Related Stories "},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>California, the nation’s most populous state, has processed more than 16 million unemployment benefits since March, a byproduct of the pandemic that prompted Gov. Gavin Newsom to order businesses to close. The EDD has struggled to keep up with the demand, facing intense pressure to work through a backlog that at one time numbered more than 1.6 million people.\u003c/p>\n\u003cp>The state has acknowledged that the department was bilked out of hundreds of millions of dollars in COVID-19 unemployment funds that went to fraudsters, including some in the name of U.S. Sen. Dianne Feinstein.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Others were sent to inmates in jails and prisons, including some on California’s death row, the agency has acknowledged.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Last month, Bank of America, which issues EDD benefit cards, told state lawmakers it had identified about 345,000 fraudulent claims worth about $2 billion, although that figure is expected to go much higher.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11854097/california-suspends-1-4-million-virus-unemployment-claims","authors":["byline_news_11854097"],"categories":["news_8"],"tags":["news_1905","news_18538","news_18545","news_1760","news_28004","news_28985"],"featImg":"news_11854101","label":"news"},"news_11848917":{"type":"posts","id":"news_11848917","meta":{"index":"posts_1591205157","site":"news","id":"11848917","score":null,"sort":[1606419829000]},"guestAuthors":[],"slug":"lawmakers-demand-unemployment-answers-from-bank-of-america-ceo","title":"Lawmakers Demand Unemployment Answers From Bank of America CEO","publishDate":1606419829,"format":"standard","headTitle":"KQED News","labelTerm":{},"content":"\u003cp>A bipartisan group of California lawmakers is asking Bank of America CEO Brian Moynihan for answers about unemployment payment problems that have upended the lives of thousands of jobless Californians who rely on the bank’s prepaid debit cards.[aside postID=\"news_11848447\" label=\"More Coverage\"]\u003c/p>\n\u003cp>The letter made public on November 25, comes days after \u003ca href=\"https://calmatters.org/economy/2020/11/how-bank-of-america-helped-fuel-californias-unemployment-meltdown/\" target=\"_blank\" rel=\"noopener noreferrer\">CalMatters detailed\u003c/a> how the state’s exclusive unemployment payment contract with the bank has been strained by unprecedented demand and brazen fraud during the pandemic, ensnaring more than 350,000 unemployment debit cards in mass account freezes. Also under fire for its role in long payment delays is the state Employment Development Department, which first signed the contract with Bank of America in 2010 and earlier this year amassed a backlog of 1.6 million unpaid jobless claims amid mounting concern about rooting out fraud.\u003c/p>\n\u003cp>\u003ca href=\"https://drive.google.com/file/d/1KavpwVeYJGfvgitXd9EZtgfprHL-upxM/view\" target=\"_blank\" rel=\"noopener noreferrer\">\u003cstrong>Read the full letter. \u003c/strong>\u003c/a>\u003c/p>\n\u003cp>“Constituents report they are unable to get through to your call centers, or when they do, the issue is not resolved,” states the letter, which was signed by more than three dozen state senators and assemblymembers. “It is simply unacceptable that Californians entitled to benefits are suddenly not able to obtain them due to a Bank of America determination that is impossible to appeal.”\u003c/p>\n\u003cp>Among the questions the lawmakers want Moynihan to answer: Bank of America’s criteria for freezing accounts and seizing jobless benefits, who’s on the hook for paying back fraudulent charges, and how their constituents can resolve outstanding debit card claims.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cem>How are you getting by on unemployment benefits?\u003c/em>\u003cbr>\n\u003cem>CalMatters invites you to share your story \u003ca href=\"https://docs.google.com/forms/d/e/1FAIpQLSf9RSBU4G4ypdOXcL5Y1D_yPz4qD3VBhdm_qgsiV57yGvjogA/viewform\" target=\"_blank\" rel=\"noopener noreferrer\">here\u003c/a>.\u003c/em>\u003c/p>\n\n","blocks":[],"excerpt":"The push for details about breakdowns in the job safety net follows a CalMatters investigation into payment problems impacting more than 350,000 Bank of America unemployment debit cards.","status":"publish","parent":0,"modified":1606419829,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":8,"wordCount":276},"headData":{"title":"Lawmakers Demand Unemployment Answers From Bank of America CEO | KQED","description":"The push for details about breakdowns in the job safety net follows a CalMatters investigation into payment problems impacting more than 350,000 Bank of America unemployment debit cards.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Lawmakers Demand Unemployment Answers From Bank of America CEO","datePublished":"2020-11-26T19:43:49.000Z","dateModified":"2020-11-26T19:43:49.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11848917 https://ww2.kqed.org/news/?p=11848917","disqusUrl":"https://ww2.kqed.org/news/2020/11/26/lawmakers-demand-unemployment-answers-from-bank-of-america-ceo/","disqusTitle":"Lawmakers Demand Unemployment Answers From Bank of America CEO","source":"Calmatters","sourceUrl":"https://calmatters.org/","nprByline":"Lauren Hepler","path":"/news/11848917/lawmakers-demand-unemployment-answers-from-bank-of-america-ceo","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>A bipartisan group of California lawmakers is asking Bank of America CEO Brian Moynihan for answers about unemployment payment problems that have upended the lives of thousands of jobless Californians who rely on the bank’s prepaid debit cards.\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"news_11848447","label":"More Coverage "},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The letter made public on November 25, comes days after \u003ca href=\"https://calmatters.org/economy/2020/11/how-bank-of-america-helped-fuel-californias-unemployment-meltdown/\" target=\"_blank\" rel=\"noopener noreferrer\">CalMatters detailed\u003c/a> how the state’s exclusive unemployment payment contract with the bank has been strained by unprecedented demand and brazen fraud during the pandemic, ensnaring more than 350,000 unemployment debit cards in mass account freezes. Also under fire for its role in long payment delays is the state Employment Development Department, which first signed the contract with Bank of America in 2010 and earlier this year amassed a backlog of 1.6 million unpaid jobless claims amid mounting concern about rooting out fraud.\u003c/p>\n\u003cp>\u003ca href=\"https://drive.google.com/file/d/1KavpwVeYJGfvgitXd9EZtgfprHL-upxM/view\" target=\"_blank\" rel=\"noopener noreferrer\">\u003cstrong>Read the full letter. \u003c/strong>\u003c/a>\u003c/p>\n\u003cp>“Constituents report they are unable to get through to your call centers, or when they do, the issue is not resolved,” states the letter, which was signed by more than three dozen state senators and assemblymembers. “It is simply unacceptable that Californians entitled to benefits are suddenly not able to obtain them due to a Bank of America determination that is impossible to appeal.”\u003c/p>\n\u003cp>Among the questions the lawmakers want Moynihan to answer: Bank of America’s criteria for freezing accounts and seizing jobless benefits, who’s on the hook for paying back fraudulent charges, and how their constituents can resolve outstanding debit card claims.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cem>How are you getting by on unemployment benefits?\u003c/em>\u003cbr>\n\u003cem>CalMatters invites you to share your story \u003ca href=\"https://docs.google.com/forms/d/e/1FAIpQLSf9RSBU4G4ypdOXcL5Y1D_yPz4qD3VBhdm_qgsiV57yGvjogA/viewform\" target=\"_blank\" rel=\"noopener noreferrer\">here\u003c/a>.\u003c/em>\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11848917/lawmakers-demand-unemployment-answers-from-bank-of-america-ceo","authors":["byline_news_11848917"],"categories":["news_1758","news_8"],"tags":["news_1905","news_28856","news_22772","news_28339","news_631","news_27765"],"featImg":"news_11848920","label":"source_news_11848917"},"news_11848447":{"type":"posts","id":"news_11848447","meta":{"index":"posts_1591205157","site":"news","id":"11848447","score":null,"sort":[1606070644000]},"guestAuthors":[],"slug":"how-bank-of-america-helped-fuel-californias-unemployment-meltdown","title":"How Bank of America Helped Fuel California’s Unemployment Meltdown","publishDate":1606070644,"format":"standard","headTitle":"KQED News","labelTerm":{},"content":"\u003cp>For a brief moment this summer, Stephanie Moore thought she might finally see a glimmer of hope at the end of the coronavirus recession. Unemployment benefits provided a lifeline for the 38-year-old Los Angeles housekeeper to leave a bad relationship and rent an Airbnb while she looked for a job. But in early October, her state-issued Bank of America debit card balance plummeted from around $400 to negative $1,100 after a credit for fraudulent charges from months earlier was reversed without warning.\u003c/p>\n\u003cp>So began her unofficial full-time job trying to get the money back.\u003c/p>\n\u003cp>“It’s kind of like a nightmare,” Moore said. “Every day I’m wondering what’s more important. Do I get on the phone with the bank and try again so I have a place to sleep tomorrow, or do I just accept that I’m going to be on the street and focus on my job search? Because you can’t do both.”\u003c/p>\n\u003cfigure id=\"attachment_11848449\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11848449\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/11/111720_Stephanie_TK_04-800x533.jpg\" alt=\"\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/11/111720_Stephanie_TK_04-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/11/111720_Stephanie_TK_04-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2020/11/111720_Stephanie_TK_04-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/11/111720_Stephanie_TK_04-1536x1024.jpg 1536w, https://ww2.kqed.org/app/uploads/sites/10/2020/11/111720_Stephanie_TK_04-1920x1280.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2020/11/111720_Stephanie_TK_04.jpg 2000w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Stephanie Moore , sits with her eight-month-old dog spooky at a local park in Lawndale, CA, on Nov. 17, 2020. Photo by Tash Kimmell for CalMatters. \u003ccite>(Tash Kimmell/CalMatters)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>For months, California’s Employment Development Department has attracted the ire of jobless workers and state lawmakers for a \u003ca href=\"https://calmatters.org/california-divide/2020/11/low-on-help-expired-unemployment-boost-edd-debacles-sink-jobless-californians/\" target=\"_blank\" rel=\"noopener noreferrer\">backlog\u003c/a> of unpaid unemployment claims that peaked at 1.6 million. Now, Moore is among those \u003ca href=\"https://calmatters.org/california-divide/2020/10/unemployment-benefits-frozen-accounts-edd/\" target=\"_blank\" rel=\"noopener noreferrer\">entangled by potential security lapses and payment errors\u003c/a> involving Bank of America, which since 2010 has had an exclusive contract to deliver state unemployment benefits through prepaid debit cards.\u003c/p>\n\u003cp>It’s a breakdown of the state’s job safety net that raises questions about the best way to get money into the hands of workers who desperately need it, since California is one of only three U.S. states that does not offer a direct deposit option, according to a CalMatters review of public documents. To this day, it’s not clear how much Bank of America has made from handling the bulk of the unprecedented $109 billion California has paid out in benefits since March. Lawmakers are examining the bank’s role in payment issues that began during a \u003ca href=\"https://calmatters.org/newsletters/whatmatters/2020/09/california-unemployment-benefits-edd-report/\" target=\"_blank\" rel=\"noopener noreferrer\">two-week identity-verification update\u003c/a>, and whether the bank has provided adequate security for unemployment insurance money in the face of rampant fraud.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe src=\"https://flo.uri.sh/visualisation/4335937/embed?auto=1\" width=\"100%\" height=\"700\" scrolling=\"yes\" class=\"iframe-class\" frameborder=\"0\">\u003c/iframe>\u003c/p>\n\u003cp>Bank of America, whose contract is up next July, declined to answer detailed questions about how many unemployed Californians are still unable to use their debit cards, how much money has been withdrawn from accounts flagged for potential fraud, when and how claimants may be paid back or how much the bank has made in fees on the cards. The state told CalMatters that some 377,500 debit cards were frozen this fall and as of Thursday, around 350,000 accounts remain impacted, meaning progress has been slow.\u003c/p>\n\u003cp>“Unfortunately, there has been billions of dollars of fraud during this pandemic in state unemployment programs, including California,” Bank of America said in a statement to CalMatters, urging those impacted to \u003ca href=\"https://prepaid.bankofamerica.com/EddCard\" target=\"_blank\" rel=\"noopener noreferrer\">contact the bank\u003c/a>. “We are working with the state and law enforcement to identify and take action against fraudulent applicants, protect taxpayer money and ensure that legitimate applicants can access their benefits.”\u003c/p>\n\u003cp>For San Francisco Assemblymember David Chiu, a progressive Democrat who authored a 2019 \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200AB857\" target=\"_blank\" rel=\"noopener noreferrer\">public banking bill\u003c/a> and has pushed to reduce state reliance on Wall Street, the confusion marks “another failure” by the state and its corporate vendors. The employment agency hinted it was the bank’s fault, insisting in an Oct. 29 \u003ca href=\"https://edd.ca.gov/About_EDD/pdf/news-20-58.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">statement\u003c/a> that it “has no direct access to debit funds on any accounts” and that those impacted by card issues should contact Bank of America.\u003c/p>\n\u003cp>“They’re playing the blame game. Someone needs to take responsibility for this,” Chiu said. “I think we’re going to have to revisit that contract if BofA can’t provide the services it promised.”\u003c/p>\n\u003cp>The state agency said it will review all options this summer.\u003c/p>\n\u003ch3>Banking on debit cards\u003c/h3>\n\u003cp>In August 2011, California was still in the depths of the Great Recession. Unemployment was 12.1%, and the state was paying out $66 million a day in jobless benefits. But at the state agency, a major tech overhaul was underway after a new debit card contract with Bank of America.\u003c/p>\n\u003cp>At no cost to the state, the bank had begun rolling out prepaid cards to replace paper unemployment checks. It would be faster and more efficient, the EDD argued in \u003ca href=\"https://www.edd.ca.gov/About_edd/pdf/uimonthlyupdate0811.pdf\">a public report\u003c/a> at the time, and much more accessible to Californians without bank accounts. The bank promised to share some revenue from merchant transaction fees with the state and guaranteed low fees for the unemployed: a few dollars for multiple ATM withdrawals, $10 for expedited or lost cards, and normal merchant fees whenever the card is swiped. “Terms are more favorable than most people have for their own personal bank accounts,” the 2011 report said.\u003c/p>\n\u003cp>The result was what United Way of California Communications Director Unai Montes-Irueste calls a “NASCAR card,” thanks to its flashy corporate logos for Visa and Interlink. Most other states have moved from paper checks to direct deposit or hybrid debit card and direct deposit systems. This past spring, millions of Californians received their federal coronavirus stimulus payments via direct deposit to personal bank accounts.\u003c/p>\n\u003cp>Still, California was far from alone in betting that debit cards would be a big part of the future of government benefits. Use of the cards exploded in the last decade at state, local and federal agencies as Bank of America, U.S. Bank, KeyBank, Comerica and others pursued more government contracts. By 2016, government agencies had paid out $146 billion in benefits through prepaid debit cards, generating $518 million in revenue for banks, the Federal Reserve reported. Today, 43 states use a combination of direct deposit and debit card systems, which consumer groups favor to reach unemployment claimants with the widest variety of financial situations.\u003c/p>\n\u003cp>Michele Evermore, a senior policy analyst at worker advocacy group the National Employment Law Project cautioned that banks acting as middlemen in debit card contracts can sometimes divert funds from workers — a missed opportunity for economic stimulus. “It may seem like a 2% fee here and a 2% fee there doesn’t amount to much, but in the aggregate, it really does,” Evermore said.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe src=\"https://flo.uri.sh/visualisation/4336082/embed?auto=1\" width=\"100%\" height=\"700\" scrolling=\"yes\" class=\"iframe-class\" frameborder=\"0\">\u003c/iframe>\u003c/p>\n\u003cp>In California, paper checks are still available by request, and Bank of America notes that debit card customers can transfer the money from the card to their own bank accounts — both time-consuming alternatives, said Lauren Saunders, associate director of the National Consumer Law Center. In a \u003ca href=\"https://www.nclc.org/images/pdf/pr-reports/report-prepaid-card-2013.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">2013 report\u003c/a>, the organization found that despite the relatively consumer-friendly terms in the state’s Bank of America unemployment contract, Californians paid almost $1.8 million in fees in a year.\u003c/p>\n\u003cp>Bank of America referred questions about fees generated by its California unemployment contract to EDD. The employment agency has not yet responded to a CalMatters request for records of revenue and fees related to the debit card contract.\u003c/p>\n\u003ch3>Debit card problems pile up\u003c/h3>\n\u003cp>In the meantime, the stories of Californians dealing with debit card problems continue to pile up. For Santa Maria single mother Aimy Onan, a drained account meant falling behind on rent and moving into a shared bedroom with her daughter in her ex’s home with a new girlfriend. For furloughed Disney candy maker Julie Hansen, a negative $12,000 balance threatened her ability to care for her autistic son. For Demarcus Sparks, who was self-employed before the pandemic, a frozen debit card led to a Greyhound trip from L.A. to stay with his mom in Georgia for fear of ending up in a shelter.\u003c/p>\n\u003cp>“They treat you like trash,” said Paul Dease, a 52-year-old antiques dealer in San Diego County, who has been locked in a dispute with Bank of America over $1,000 withdrawn from his account without notice. “How many people have the same story I have, that have lost $1,000 or $800 and haven’t gotten it back?”\u003c/p>\n\u003cp>That much remains unclear. Chiu said lawmakers also have yet to receive updated account information, or answers about the “mind boggling” omission of \u003ca href=\"https://squareup.com/us/en/townsquare/why-are-chip-cards-more-secure-than-magnetic-stripe-cards\" target=\"_blank\" rel=\"noopener noreferrer\">microchips in the cards to root out fraud\u003c/a>.\u003c/p>\n\u003cp>Bank of America declined to comment on the security of California’s unemployment debit cards. But bank personnel also say their own outdated customer service systems have contributed to claimants’ financial purgatory. The bank’s internal processes for reporting and investigating unemployment debit card complaints have led to long delays and shifting timelines, two workers told CalMatters, as they juggle antiquated technology and shifting corporate scripts.\u003c/p>\n\u003cp>“We’re actually no longer allowed to tell them a timeframe, because we have no clue,” said one Bank of America customer service worker, who asked to remain anonymous since they were not authorized to discuss the matter. “Every day, I talk to 30 people with the same story. I just pray for them after my shift, honestly.”\u003c/p>\n\u003cfigure id=\"attachment_11848450\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11848450\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/11/111320_BankofAmerica_AW_sized_03-800x533.jpg\" alt=\"\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/11/111320_BankofAmerica_AW_sized_03-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/11/111320_BankofAmerica_AW_sized_03-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2020/11/111320_BankofAmerica_AW_sized_03-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/11/111320_BankofAmerica_AW_sized_03-1536x1024.jpg 1536w, https://ww2.kqed.org/app/uploads/sites/10/2020/11/111320_BankofAmerica_AW_sized_03.jpg 1568w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Matt Hoffman, seen at his girlfriend’s house in Escalon on Nov. 13, 2020, spends his days sitting on the porch while on hold with EDD, Bank of America and FEMA. According to Hoffman, he spends an average of 4 hours on hold per call. Photo by Anne Wernikoff for CalMatters \u003ccite>(Anne Wernikoff/CalMatters)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003ch3>A field day for fraud\u003c/h3>\n\u003cp>If the world wasn’t paralyzed by a deadly pandemic, it might look like Matthew Hoffman has been traveling quite a bit. His Bank of America unemployment card ledger shows transactions and ATM withdrawals in Alabama, Modesto, Sacramento, Tennessee, Connecticut and even a series of overseas charges.\u003c/p>\n\u003cp>But Hoffman, a former Comcast employee who has been out of work since a stroke last year, said he’s never used the card in any of those places. In total, he saw almost $7,000 disappear. He said one bank representative told him the fraud dispute he filed had been closed without investigation. Another said it was reopened. Finally, he was told that a credit would arrive on Nov. 10. It didn’t. [aside tag=\"unemployment\" label=\"More Related Stories\"]\u003cbr>\n“What’s the point of having and paying into unemployment insurance if it’s not actually made available to me when I need it?” said Hoffman, who is alternating staying with his girlfriend and in his car after the loss of his Livermore rental home in a recent wildfire.\u003c/p>\n\u003cp>Stories like Hoffman’s aren’t hard to find after a governor-appointed Strike Team in September \u003ca href=\"https://www.govops.ca.gov/wp-content/uploads/sites/11/2020/09/Assessment.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">advised EDD\u003c/a> that organized fraud “represents a serious risk to the state, and EDD must develop capabilities to understand and combat it.”\u003c/p>\n\u003cp>In total, 693,000 paid and unpaid unemployment claims out of the more than 14 million filed from March to early October were temporarily suspended for potential fraud during the agency’s late September reset, according to an EDD statement to CalMatters. From \u003ca href=\"https://www.kcra.com/article/edd-fraud-involves-stolen-identities-dark-web-international-crime/34289860#:~:text=Thousands%20of%20envelopes%20containing%20fraudulent,possibly%20an%20international%20crime%20ring.\" target=\"_blank\" rel=\"noopener noreferrer\">dark web conspiracies\u003c/a> to \u003ca href=\"https://www.nytimes.com/2020/10/18/us/nuke-bizzle-fraud-youtube.html\" target=\"_blank\" rel=\"noopener noreferrer\">YouTube rap videos\u003c/a>, the range of apparent fraud could cost the state “hundreds of millions,” Sacramento Assemblymember Jim Cooper predicted at a recent EDD hearing.\u003c/p>\n\u003cp>In one instance, Beverly Hills police arrested 100 people and seized 200 fraudulent unemployment debit cards worth more than $4 million after a series of shopping sprees on Rodeo Drive. Until fraud is detected, Bank of America reaps normal transaction fees every time the cards are swiped under the terms of its state contract. The bank promised California “best-in-class” fraud monitoring in its original unemployment debit card pitch, and assured the state that “EDD has no liability for issues related to fraud.”\u003c/p>\n\u003cp>But amid the unemployment surge during the pandemic, Beverly Hills Assistant Police Chief Marc Coopwood said much of the burden has fallen on local law enforcement, rather than EDD or the bank, to uncover such schemes.\u003c/p>\n\u003cp>“The real victim in this, the people whose identities were stolen, they’re going to get a \u003ca href=\"https://www.fbi.gov/news/pressrel/press-releases/fbi-sees-spike-in-fraudulent-unemployment-insurance-claims-filed-using-stolen-identities\" target=\"_blank\" rel=\"noopener noreferrer\">1099 next year\u003c/a>,” Coopwood said. “They’re going to spend years fighting this with the IRS.”\u003c/p>\n\u003ch3>Lawsuits ahead?\u003c/h3>\n\u003cp>Where California goes from here to remedy its unemployment woes isn’t clear. The EDD has vowed to work through its remaining backlog of 542,000 unpaid unemployment claims by January. Bank of America said it has increased staffing at prepaid customer service centers “nearly 20-fold” to deal with unprecedented demand, and that it continues “to review and decision claims in a timely fashion and within the regulations.”\u003c/p>\n\u003cp>Chiu said he is one of multiple state lawmakers considering new EDD reform bills in the coming year. Several unemployment claimants interviewed by CalMatters said they have contacted lawyers about bringing potential claims against Bank of America. Labor lawyers also see courtrooms in EDD’s future if problems persist.\u003c/p>\n\u003cp>“I’m skeptical this will be resolved without litigation,” said Daniela Urban, director of Sacramento’s Center for Workers’ Rights. “I think that it’s warranted. The question is whether EDD fixes it first, or what the response is.”\u003c/p>\n\u003ch3>Resources:\u003c/h3>\n\u003cp>KQED's guide to applying for \u003ca href=\"https://www.kqed.org/news/11806938/how-to-file-for-unemployment-in-california-during-the-coronavirus-pandemic\" target=\"_blank\" rel=\"noopener noreferrer\">unemployment insurance can be found here\u003c/a>.\u003c/p>\n\u003cp>For additional support, please refer to the official \u003ca href=\"http://edd.ca.gov/\" target=\"_blank\" rel=\"noopener noreferrer\">Employment Development Department website\u003c/a>, the \u003ca href=\"https://www.facebook.com/groups/3296311573733137\" target=\"_blank\" rel=\"noopener noreferrer\">Unofficial California Unemployment Help public group on Facebook\u003c/a> or refer to this resource \u003ca href=\"https://www.kqed.org/news/11820299/applying-for-unemployment-in-california-unofficial-facebook-group-creates-help-website\" target=\"_blank\" rel=\"noopener noreferrer\">created by volunteers\u003c/a>.\u003c/p>\n\u003cp>\u003ca href=\"https://prepaid.bankofamerica.com/EddCard\" target=\"_blank\" rel=\"noopener noreferrer\">Contact Bank of America\u003c/a>\u003c/p>\n\u003ch3>Share Your Story:\u003c/h3>\n\u003cp>How are you getting by on unemployment benefits? CalMatters invites you to \u003ca href=\"https://docs.google.com/forms/d/e/1FAIpQLSf9RSBU4G4ypdOXcL5Y1D_yPz4qD3VBhdm_qgsiV57yGvjogA/viewform\" target=\"_blank\" rel=\"noopener noreferrer\">share your story here\u003c/a>.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>¿Cómo te las estás arreglando sin los beneficios del Seguro de Desempleo? Te invitamos a compartir tu historia \u003ca href=\"https://docs.google.com/forms/d/e/1FAIpQLSedk6BtaXUCoVIQ4mkl2RtLxuAT-ct1nr9QSjEdCMjHQ29suw/viewform\" target=\"_blank\" rel=\"noopener noreferrer\">aquí\u003c/a>.\u003c/p>\n\n","blocks":[],"excerpt":"After the Great Recession, California signed an exclusive contract with Bank of America to distribute unemployment benefits through prepaid debit cards. A CalMatters investigation reveals that to this day, no one knows how much the bank has made off the deal. ","status":"publish","parent":0,"modified":1606249907,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":true,"iframeSrcs":["https://flo.uri.sh/visualisation/4335937/embed","https://flo.uri.sh/visualisation/4336082/embed"],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":41,"wordCount":2348},"headData":{"title":"How Bank of America Helped Fuel California’s Unemployment Meltdown | KQED","description":"After the Great Recession, California signed an exclusive contract with Bank of America to distribute unemployment benefits through prepaid debit cards. A CalMatters investigation reveals that to this day, no one knows how much the bank has made off the deal. ","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"How Bank of America Helped Fuel California’s Unemployment Meltdown","datePublished":"2020-11-22T18:44:04.000Z","dateModified":"2020-11-24T20:31:47.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11848447 https://ww2.kqed.org/news/?p=11848447","disqusUrl":"https://ww2.kqed.org/news/2020/11/22/how-bank-of-america-helped-fuel-californias-unemployment-meltdown/","disqusTitle":"How Bank of America Helped Fuel California’s Unemployment Meltdown","source":"CalMatters","sourceUrl":"https://calmatters.org/","nprByline":"Lauren Hepler and Stephen Council","path":"/news/11848447/how-bank-of-america-helped-fuel-californias-unemployment-meltdown","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>For a brief moment this summer, Stephanie Moore thought she might finally see a glimmer of hope at the end of the coronavirus recession. Unemployment benefits provided a lifeline for the 38-year-old Los Angeles housekeeper to leave a bad relationship and rent an Airbnb while she looked for a job. But in early October, her state-issued Bank of America debit card balance plummeted from around $400 to negative $1,100 after a credit for fraudulent charges from months earlier was reversed without warning.\u003c/p>\n\u003cp>So began her unofficial full-time job trying to get the money back.\u003c/p>\n\u003cp>“It’s kind of like a nightmare,” Moore said. “Every day I’m wondering what’s more important. Do I get on the phone with the bank and try again so I have a place to sleep tomorrow, or do I just accept that I’m going to be on the street and focus on my job search? Because you can’t do both.”\u003c/p>\n\u003cfigure id=\"attachment_11848449\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11848449\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/11/111720_Stephanie_TK_04-800x533.jpg\" alt=\"\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/11/111720_Stephanie_TK_04-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/11/111720_Stephanie_TK_04-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2020/11/111720_Stephanie_TK_04-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/11/111720_Stephanie_TK_04-1536x1024.jpg 1536w, https://ww2.kqed.org/app/uploads/sites/10/2020/11/111720_Stephanie_TK_04-1920x1280.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2020/11/111720_Stephanie_TK_04.jpg 2000w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Stephanie Moore , sits with her eight-month-old dog spooky at a local park in Lawndale, CA, on Nov. 17, 2020. Photo by Tash Kimmell for CalMatters. \u003ccite>(Tash Kimmell/CalMatters)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>For months, California’s Employment Development Department has attracted the ire of jobless workers and state lawmakers for a \u003ca href=\"https://calmatters.org/california-divide/2020/11/low-on-help-expired-unemployment-boost-edd-debacles-sink-jobless-californians/\" target=\"_blank\" rel=\"noopener noreferrer\">backlog\u003c/a> of unpaid unemployment claims that peaked at 1.6 million. Now, Moore is among those \u003ca href=\"https://calmatters.org/california-divide/2020/10/unemployment-benefits-frozen-accounts-edd/\" target=\"_blank\" rel=\"noopener noreferrer\">entangled by potential security lapses and payment errors\u003c/a> involving Bank of America, which since 2010 has had an exclusive contract to deliver state unemployment benefits through prepaid debit cards.\u003c/p>\n\u003cp>It’s a breakdown of the state’s job safety net that raises questions about the best way to get money into the hands of workers who desperately need it, since California is one of only three U.S. states that does not offer a direct deposit option, according to a CalMatters review of public documents. To this day, it’s not clear how much Bank of America has made from handling the bulk of the unprecedented $109 billion California has paid out in benefits since March. Lawmakers are examining the bank’s role in payment issues that began during a \u003ca href=\"https://calmatters.org/newsletters/whatmatters/2020/09/california-unemployment-benefits-edd-report/\" target=\"_blank\" rel=\"noopener noreferrer\">two-week identity-verification update\u003c/a>, and whether the bank has provided adequate security for unemployment insurance money in the face of rampant fraud.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe src=\"https://flo.uri.sh/visualisation/4335937/embed?auto=1\" width=\"100%\" height=\"700\" scrolling=\"yes\" class=\"iframe-class\" frameborder=\"0\">\u003c/iframe>\u003c/p>\n\u003cp>Bank of America, whose contract is up next July, declined to answer detailed questions about how many unemployed Californians are still unable to use their debit cards, how much money has been withdrawn from accounts flagged for potential fraud, when and how claimants may be paid back or how much the bank has made in fees on the cards. The state told CalMatters that some 377,500 debit cards were frozen this fall and as of Thursday, around 350,000 accounts remain impacted, meaning progress has been slow.\u003c/p>\n\u003cp>“Unfortunately, there has been billions of dollars of fraud during this pandemic in state unemployment programs, including California,” Bank of America said in a statement to CalMatters, urging those impacted to \u003ca href=\"https://prepaid.bankofamerica.com/EddCard\" target=\"_blank\" rel=\"noopener noreferrer\">contact the bank\u003c/a>. “We are working with the state and law enforcement to identify and take action against fraudulent applicants, protect taxpayer money and ensure that legitimate applicants can access their benefits.”\u003c/p>\n\u003cp>For San Francisco Assemblymember David Chiu, a progressive Democrat who authored a 2019 \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200AB857\" target=\"_blank\" rel=\"noopener noreferrer\">public banking bill\u003c/a> and has pushed to reduce state reliance on Wall Street, the confusion marks “another failure” by the state and its corporate vendors. The employment agency hinted it was the bank’s fault, insisting in an Oct. 29 \u003ca href=\"https://edd.ca.gov/About_EDD/pdf/news-20-58.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">statement\u003c/a> that it “has no direct access to debit funds on any accounts” and that those impacted by card issues should contact Bank of America.\u003c/p>\n\u003cp>“They’re playing the blame game. Someone needs to take responsibility for this,” Chiu said. “I think we’re going to have to revisit that contract if BofA can’t provide the services it promised.”\u003c/p>\n\u003cp>The state agency said it will review all options this summer.\u003c/p>\n\u003ch3>Banking on debit cards\u003c/h3>\n\u003cp>In August 2011, California was still in the depths of the Great Recession. Unemployment was 12.1%, and the state was paying out $66 million a day in jobless benefits. But at the state agency, a major tech overhaul was underway after a new debit card contract with Bank of America.\u003c/p>\n\u003cp>At no cost to the state, the bank had begun rolling out prepaid cards to replace paper unemployment checks. It would be faster and more efficient, the EDD argued in \u003ca href=\"https://www.edd.ca.gov/About_edd/pdf/uimonthlyupdate0811.pdf\">a public report\u003c/a> at the time, and much more accessible to Californians without bank accounts. The bank promised to share some revenue from merchant transaction fees with the state and guaranteed low fees for the unemployed: a few dollars for multiple ATM withdrawals, $10 for expedited or lost cards, and normal merchant fees whenever the card is swiped. “Terms are more favorable than most people have for their own personal bank accounts,” the 2011 report said.\u003c/p>\n\u003cp>The result was what United Way of California Communications Director Unai Montes-Irueste calls a “NASCAR card,” thanks to its flashy corporate logos for Visa and Interlink. Most other states have moved from paper checks to direct deposit or hybrid debit card and direct deposit systems. This past spring, millions of Californians received their federal coronavirus stimulus payments via direct deposit to personal bank accounts.\u003c/p>\n\u003cp>Still, California was far from alone in betting that debit cards would be a big part of the future of government benefits. Use of the cards exploded in the last decade at state, local and federal agencies as Bank of America, U.S. Bank, KeyBank, Comerica and others pursued more government contracts. By 2016, government agencies had paid out $146 billion in benefits through prepaid debit cards, generating $518 million in revenue for banks, the Federal Reserve reported. Today, 43 states use a combination of direct deposit and debit card systems, which consumer groups favor to reach unemployment claimants with the widest variety of financial situations.\u003c/p>\n\u003cp>Michele Evermore, a senior policy analyst at worker advocacy group the National Employment Law Project cautioned that banks acting as middlemen in debit card contracts can sometimes divert funds from workers — a missed opportunity for economic stimulus. “It may seem like a 2% fee here and a 2% fee there doesn’t amount to much, but in the aggregate, it really does,” Evermore said.\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe src=\"https://flo.uri.sh/visualisation/4336082/embed?auto=1\" width=\"100%\" height=\"700\" scrolling=\"yes\" class=\"iframe-class\" frameborder=\"0\">\u003c/iframe>\u003c/p>\n\u003cp>In California, paper checks are still available by request, and Bank of America notes that debit card customers can transfer the money from the card to their own bank accounts — both time-consuming alternatives, said Lauren Saunders, associate director of the National Consumer Law Center. In a \u003ca href=\"https://www.nclc.org/images/pdf/pr-reports/report-prepaid-card-2013.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">2013 report\u003c/a>, the organization found that despite the relatively consumer-friendly terms in the state’s Bank of America unemployment contract, Californians paid almost $1.8 million in fees in a year.\u003c/p>\n\u003cp>Bank of America referred questions about fees generated by its California unemployment contract to EDD. The employment agency has not yet responded to a CalMatters request for records of revenue and fees related to the debit card contract.\u003c/p>\n\u003ch3>Debit card problems pile up\u003c/h3>\n\u003cp>In the meantime, the stories of Californians dealing with debit card problems continue to pile up. For Santa Maria single mother Aimy Onan, a drained account meant falling behind on rent and moving into a shared bedroom with her daughter in her ex’s home with a new girlfriend. For furloughed Disney candy maker Julie Hansen, a negative $12,000 balance threatened her ability to care for her autistic son. For Demarcus Sparks, who was self-employed before the pandemic, a frozen debit card led to a Greyhound trip from L.A. to stay with his mom in Georgia for fear of ending up in a shelter.\u003c/p>\n\u003cp>“They treat you like trash,” said Paul Dease, a 52-year-old antiques dealer in San Diego County, who has been locked in a dispute with Bank of America over $1,000 withdrawn from his account without notice. “How many people have the same story I have, that have lost $1,000 or $800 and haven’t gotten it back?”\u003c/p>\n\u003cp>That much remains unclear. Chiu said lawmakers also have yet to receive updated account information, or answers about the “mind boggling” omission of \u003ca href=\"https://squareup.com/us/en/townsquare/why-are-chip-cards-more-secure-than-magnetic-stripe-cards\" target=\"_blank\" rel=\"noopener noreferrer\">microchips in the cards to root out fraud\u003c/a>.\u003c/p>\n\u003cp>Bank of America declined to comment on the security of California’s unemployment debit cards. But bank personnel also say their own outdated customer service systems have contributed to claimants’ financial purgatory. The bank’s internal processes for reporting and investigating unemployment debit card complaints have led to long delays and shifting timelines, two workers told CalMatters, as they juggle antiquated technology and shifting corporate scripts.\u003c/p>\n\u003cp>“We’re actually no longer allowed to tell them a timeframe, because we have no clue,” said one Bank of America customer service worker, who asked to remain anonymous since they were not authorized to discuss the matter. “Every day, I talk to 30 people with the same story. I just pray for them after my shift, honestly.”\u003c/p>\n\u003cfigure id=\"attachment_11848450\" class=\"wp-caption alignnone\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11848450\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/11/111320_BankofAmerica_AW_sized_03-800x533.jpg\" alt=\"\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/11/111320_BankofAmerica_AW_sized_03-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/11/111320_BankofAmerica_AW_sized_03-1020x680.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2020/11/111320_BankofAmerica_AW_sized_03-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/11/111320_BankofAmerica_AW_sized_03-1536x1024.jpg 1536w, https://ww2.kqed.org/app/uploads/sites/10/2020/11/111320_BankofAmerica_AW_sized_03.jpg 1568w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Matt Hoffman, seen at his girlfriend’s house in Escalon on Nov. 13, 2020, spends his days sitting on the porch while on hold with EDD, Bank of America and FEMA. According to Hoffman, he spends an average of 4 hours on hold per call. Photo by Anne Wernikoff for CalMatters \u003ccite>(Anne Wernikoff/CalMatters)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003ch3>A field day for fraud\u003c/h3>\n\u003cp>If the world wasn’t paralyzed by a deadly pandemic, it might look like Matthew Hoffman has been traveling quite a bit. His Bank of America unemployment card ledger shows transactions and ATM withdrawals in Alabama, Modesto, Sacramento, Tennessee, Connecticut and even a series of overseas charges.\u003c/p>\n\u003cp>But Hoffman, a former Comcast employee who has been out of work since a stroke last year, said he’s never used the card in any of those places. In total, he saw almost $7,000 disappear. He said one bank representative told him the fraud dispute he filed had been closed without investigation. Another said it was reopened. Finally, he was told that a credit would arrive on Nov. 10. It didn’t. \u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"tag":"unemployment","label":"More Related Stories "},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cbr>\n“What’s the point of having and paying into unemployment insurance if it’s not actually made available to me when I need it?” said Hoffman, who is alternating staying with his girlfriend and in his car after the loss of his Livermore rental home in a recent wildfire.\u003c/p>\n\u003cp>Stories like Hoffman’s aren’t hard to find after a governor-appointed Strike Team in September \u003ca href=\"https://www.govops.ca.gov/wp-content/uploads/sites/11/2020/09/Assessment.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">advised EDD\u003c/a> that organized fraud “represents a serious risk to the state, and EDD must develop capabilities to understand and combat it.”\u003c/p>\n\u003cp>In total, 693,000 paid and unpaid unemployment claims out of the more than 14 million filed from March to early October were temporarily suspended for potential fraud during the agency’s late September reset, according to an EDD statement to CalMatters. From \u003ca href=\"https://www.kcra.com/article/edd-fraud-involves-stolen-identities-dark-web-international-crime/34289860#:~:text=Thousands%20of%20envelopes%20containing%20fraudulent,possibly%20an%20international%20crime%20ring.\" target=\"_blank\" rel=\"noopener noreferrer\">dark web conspiracies\u003c/a> to \u003ca href=\"https://www.nytimes.com/2020/10/18/us/nuke-bizzle-fraud-youtube.html\" target=\"_blank\" rel=\"noopener noreferrer\">YouTube rap videos\u003c/a>, the range of apparent fraud could cost the state “hundreds of millions,” Sacramento Assemblymember Jim Cooper predicted at a recent EDD hearing.\u003c/p>\n\u003cp>In one instance, Beverly Hills police arrested 100 people and seized 200 fraudulent unemployment debit cards worth more than $4 million after a series of shopping sprees on Rodeo Drive. Until fraud is detected, Bank of America reaps normal transaction fees every time the cards are swiped under the terms of its state contract. The bank promised California “best-in-class” fraud monitoring in its original unemployment debit card pitch, and assured the state that “EDD has no liability for issues related to fraud.”\u003c/p>\n\u003cp>But amid the unemployment surge during the pandemic, Beverly Hills Assistant Police Chief Marc Coopwood said much of the burden has fallen on local law enforcement, rather than EDD or the bank, to uncover such schemes.\u003c/p>\n\u003cp>“The real victim in this, the people whose identities were stolen, they’re going to get a \u003ca href=\"https://www.fbi.gov/news/pressrel/press-releases/fbi-sees-spike-in-fraudulent-unemployment-insurance-claims-filed-using-stolen-identities\" target=\"_blank\" rel=\"noopener noreferrer\">1099 next year\u003c/a>,” Coopwood said. “They’re going to spend years fighting this with the IRS.”\u003c/p>\n\u003ch3>Lawsuits ahead?\u003c/h3>\n\u003cp>Where California goes from here to remedy its unemployment woes isn’t clear. The EDD has vowed to work through its remaining backlog of 542,000 unpaid unemployment claims by January. Bank of America said it has increased staffing at prepaid customer service centers “nearly 20-fold” to deal with unprecedented demand, and that it continues “to review and decision claims in a timely fashion and within the regulations.”\u003c/p>\n\u003cp>Chiu said he is one of multiple state lawmakers considering new EDD reform bills in the coming year. Several unemployment claimants interviewed by CalMatters said they have contacted lawyers about bringing potential claims against Bank of America. Labor lawyers also see courtrooms in EDD’s future if problems persist.\u003c/p>\n\u003cp>“I’m skeptical this will be resolved without litigation,” said Daniela Urban, director of Sacramento’s Center for Workers’ Rights. “I think that it’s warranted. The question is whether EDD fixes it first, or what the response is.”\u003c/p>\n\u003ch3>Resources:\u003c/h3>\n\u003cp>KQED's guide to applying for \u003ca href=\"https://www.kqed.org/news/11806938/how-to-file-for-unemployment-in-california-during-the-coronavirus-pandemic\" target=\"_blank\" rel=\"noopener noreferrer\">unemployment insurance can be found here\u003c/a>.\u003c/p>\n\u003cp>For additional support, please refer to the official \u003ca href=\"http://edd.ca.gov/\" target=\"_blank\" rel=\"noopener noreferrer\">Employment Development Department website\u003c/a>, the \u003ca href=\"https://www.facebook.com/groups/3296311573733137\" target=\"_blank\" rel=\"noopener noreferrer\">Unofficial California Unemployment Help public group on Facebook\u003c/a> or refer to this resource \u003ca href=\"https://www.kqed.org/news/11820299/applying-for-unemployment-in-california-unofficial-facebook-group-creates-help-website\" target=\"_blank\" rel=\"noopener noreferrer\">created by volunteers\u003c/a>.\u003c/p>\n\u003cp>\u003ca href=\"https://prepaid.bankofamerica.com/EddCard\" target=\"_blank\" rel=\"noopener noreferrer\">Contact Bank of America\u003c/a>\u003c/p>\n\u003ch3>Share Your Story:\u003c/h3>\n\u003cp>How are you getting by on unemployment benefits? CalMatters invites you to \u003ca href=\"https://docs.google.com/forms/d/e/1FAIpQLSf9RSBU4G4ypdOXcL5Y1D_yPz4qD3VBhdm_qgsiV57yGvjogA/viewform\" target=\"_blank\" rel=\"noopener noreferrer\">share your story here\u003c/a>.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"floatright"},"numeric":["floatright"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>¿Cómo te las estás arreglando sin los beneficios del Seguro de Desempleo? Te invitamos a compartir tu historia \u003ca href=\"https://docs.google.com/forms/d/e/1FAIpQLSedk6BtaXUCoVIQ4mkl2RtLxuAT-ct1nr9QSjEdCMjHQ29suw/viewform\" target=\"_blank\" rel=\"noopener noreferrer\">aquí\u003c/a>.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11848447/how-bank-of-america-helped-fuel-californias-unemployment-meltdown","authors":["byline_news_11848447"],"categories":["news_1758","news_8"],"tags":["news_1905","news_18545","news_28339","news_27626","news_23052","news_17996","news_28844","news_631"],"featImg":"news_11848448","label":"source_news_11848447"},"news_41360":{"type":"posts","id":"news_41360","meta":{"index":"posts_1591205157","site":"news","id":"41360","score":null,"sort":[1317324535000]},"guestAuthors":[],"slug":"bank-of-america-to-charge-5month-for-debit-card","title":"Bank of America to Charge $5/month For Debit Card","publishDate":1317324535,"format":"aside","headTitle":"News Fix | KQED News","labelTerm":{"term":6944,"site":"news"},"content":"\u003cp>(AP) Bank of America plans to start charging customers a $5 monthly fee for using their debit card to make purchases.\u003c/p>\n\u003cp>The fee will be rolled out starting early next year.\u003c/p>\n\u003cp>A number of banks have already either rolled out or are testing such fees. But Bank of America's announcement carries added weight because it is the largest U.S. bank by deposits.\u003c/p>\n\u003cp>Anne Pace, a Bank of America Corp. spokeswoman, said Thursday that customers will only be charged the fee if they use their debit cards for purchases in any given month. Customers won't be charged if they only use their cards at an ATM.\u003c/p>\n\u003cp>The fee will apply to basic accounts and will be in addition to any existing monthly service fees. For example, one of the bank's basic accounts charges a $12 monthly fee unless customers meet certain conditions, such as maintaining a minimum average balance of $1,500. \u003c!--more-->\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>A fee for using debit cards is still a novel concept for many consumers and was unheard of before this year. But there are signs it may soon become an industry norm.\u003c/p>\n\u003cp>SunTrust, a regional bank based in Atlanta, began charging a $5 debit card fee on its basic checking accounts this summer. Regions Financial, which is based in Birmingham, Ala., plans to start charging a $4 fee next month.\u003c/p>\n\u003cp>Chase and Wells Fargo are also testing $3 monthly debit card fees in select markets. Neither bank has said when it will make a final decision on whether to roll out the fee more broadly.\u003c/p>\n\u003cp>The growing prevalence of the debit card fee is alarming for Josh Wood, a 32-year-old financial adviser in Amarillo, Texas.\u003c/p>\n\u003cp>Wood relies entirely on debit cards to avoid interest charges on a credit card. If his bank, Wells Fargo, began charging a debit card fee, he said he would take his business to a credit union.\u003c/p>\n\u003cp>If a debit fee became so prevalent that it was unavoidable, Wood said he's not sure how he'd react.\u003c/p>\n\u003cp>\"I might use all cash. Or go back to writing checks,\" he said.\u003c/p>\n\u003cp>The debit card fee isn't the only unwelcome change for checking account customers are seeing either. The banking industry has been raising fees and scaling back on rewards programs as they adjust to new regulations that will limit traditional revenue sources.\u003c/p>\n\u003cp>Starting Oct. 1, a regulation will cap the fees that banks can collect from merchants whenever customers swipe their debit cards. Those fees generated $19 billion in revenue for banks in 2009, according to the Nilson Report, which tracks the payments industry.\u003c/p>\n\u003cp>There is no similar cap on the fees that banks can collect from merchants when customers use their credit cards, however. That means banks may increasingly encourage customers to reach for their credit cards, reversing a trend toward debit card usage in the past several years.\u003c/p>\n\u003cp>An increasing reliance on credit cards would be particularly beneficial for Bank of America, which is a major credit card issuer, notes Bart Narter, a banking analyst with Celent, a consulting firm.\u003c/p>\n\u003cp>\"It's become a more profitable business, at least in relation to debit cards,\" Narter said.\u003c/p>\n\u003cp>This summer, an Associated Press-GfK poll found that two-thirds of consumers use debit cards more frequently than credit cards. But when asked how they would react if they were charged a $3 monthly debit card fee, 61 percent said they'd find another way to pay.\u003c/p>\n\u003cp>If the fee were $5, 66 percent said they would also change their payment method.\u003c/p>\n\u003cp>Bank of America's debit card fee will be rolled out in stages starting with select states in early 2012. The company would not say which states would be affected first.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Bank of America shares rose 9 cents, or 1.5 percent, to $6.25 in afternoon trading.\u003c/p>\n\n","blocks":[],"excerpt":null,"status":"publish","parent":0,"modified":1317324641,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":23,"wordCount":643},"headData":{"title":"Bank of America to Charge $5/month For Debit Card | KQED","description":"(AP) Bank of America plans to start charging customers a $5 monthly fee for using their debit card to make purchases. The fee will be rolled out starting early next year. A number of banks have already either rolled out or are testing such fees. But Bank of America's announcement carries added weight because it","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Bank of America to Charge $5/month For Debit Card","datePublished":"2011-09-29T19:28:55.000Z","dateModified":"2011-09-29T19:30:41.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"41360 http://ww2.kqed.org/news/?p=41360","disqusUrl":"https://ww2.kqed.org/news/2011/09/29/bank-of-america-to-charge-5month-for-debit-card/","disqusTitle":"Bank of America to Charge $5/month For Debit Card","path":"/news/41360/bank-of-america-to-charge-5month-for-debit-card","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>(AP) Bank of America plans to start charging customers a $5 monthly fee for using their debit card to make purchases.\u003c/p>\n\u003cp>The fee will be rolled out starting early next year.\u003c/p>\n\u003cp>A number of banks have already either rolled out or are testing such fees. But Bank of America's announcement carries added weight because it is the largest U.S. bank by deposits.\u003c/p>\n\u003cp>Anne Pace, a Bank of America Corp. spokeswoman, said Thursday that customers will only be charged the fee if they use their debit cards for purchases in any given month. Customers won't be charged if they only use their cards at an ATM.\u003c/p>\n\u003cp>The fee will apply to basic accounts and will be in addition to any existing monthly service fees. For example, one of the bank's basic accounts charges a $12 monthly fee unless customers meet certain conditions, such as maintaining a minimum average balance of $1,500. \u003c!--more-->\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>A fee for using debit cards is still a novel concept for many consumers and was unheard of before this year. But there are signs it may soon become an industry norm.\u003c/p>\n\u003cp>SunTrust, a regional bank based in Atlanta, began charging a $5 debit card fee on its basic checking accounts this summer. Regions Financial, which is based in Birmingham, Ala., plans to start charging a $4 fee next month.\u003c/p>\n\u003cp>Chase and Wells Fargo are also testing $3 monthly debit card fees in select markets. Neither bank has said when it will make a final decision on whether to roll out the fee more broadly.\u003c/p>\n\u003cp>The growing prevalence of the debit card fee is alarming for Josh Wood, a 32-year-old financial adviser in Amarillo, Texas.\u003c/p>\n\u003cp>Wood relies entirely on debit cards to avoid interest charges on a credit card. If his bank, Wells Fargo, began charging a debit card fee, he said he would take his business to a credit union.\u003c/p>\n\u003cp>If a debit fee became so prevalent that it was unavoidable, Wood said he's not sure how he'd react.\u003c/p>\n\u003cp>\"I might use all cash. Or go back to writing checks,\" he said.\u003c/p>\n\u003cp>The debit card fee isn't the only unwelcome change for checking account customers are seeing either. The banking industry has been raising fees and scaling back on rewards programs as they adjust to new regulations that will limit traditional revenue sources.\u003c/p>\n\u003cp>Starting Oct. 1, a regulation will cap the fees that banks can collect from merchants whenever customers swipe their debit cards. Those fees generated $19 billion in revenue for banks in 2009, according to the Nilson Report, which tracks the payments industry.\u003c/p>\n\u003cp>There is no similar cap on the fees that banks can collect from merchants when customers use their credit cards, however. That means banks may increasingly encourage customers to reach for their credit cards, reversing a trend toward debit card usage in the past several years.\u003c/p>\n\u003cp>An increasing reliance on credit cards would be particularly beneficial for Bank of America, which is a major credit card issuer, notes Bart Narter, a banking analyst with Celent, a consulting firm.\u003c/p>\n\u003cp>\"It's become a more profitable business, at least in relation to debit cards,\" Narter said.\u003c/p>\n\u003cp>This summer, an Associated Press-GfK poll found that two-thirds of consumers use debit cards more frequently than credit cards. But when asked how they would react if they were charged a $3 monthly debit card fee, 61 percent said they'd find another way to pay.\u003c/p>\n\u003cp>If the fee were $5, 66 percent said they would also change their payment method.\u003c/p>\n\u003cp>Bank of America's debit card fee will be rolled out in stages starting with select states in early 2012. The company would not say which states would be affected first.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Bank of America shares rose 9 cents, or 1.5 percent, to $6.25 in afternoon trading.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/41360/bank-of-america-to-charge-5month-for-debit-card","authors":["237"],"programs":["news_6944"],"categories":["news_1758","news_8"],"tags":["news_1905"],"label":"news_6944"}},"programsReducer":{"possible":{"id":"possible","title":"Possible","info":"Possible is hosted by entrepreneur Reid Hoffman and writer Aria Finger. Together in Possible, Hoffman and Finger lead enlightening discussions about building a brighter collective future. The show features interviews with visionary guests like Trevor Noah, Sam Altman and Janette Sadik-Khan. Possible paints an optimistic portrait of the world we can create through science, policy, business, art and our shared humanity. It asks: What if everything goes right for once? How can we get there? Each episode also includes a short fiction story generated by advanced AI GPT-4, serving as a thought-provoking springboard to speculate how humanity could leverage technology for good.","airtime":"SUN 2pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Possible-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.possible.fm/","meta":{"site":"news","source":"Possible"},"link":"/radio/program/possible","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/possible/id1677184070","spotify":"https://open.spotify.com/show/730YpdUSNlMyPQwNnyjp4k"}},"1a":{"id":"1a","title":"1A","info":"1A is home to the national conversation. 1A brings on great guests and frames the best debate in ways that make you think, share and engage.","airtime":"MON-THU 11pm-12am","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/1a.jpg","officialWebsiteLink":"https://the1a.org/","meta":{"site":"news","source":"npr"},"link":"/radio/program/1a","subscribe":{"npr":"https://rpb3r.app.goo.gl/RBrW","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=1188724250&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/1A-p947376/","rss":"https://feeds.npr.org/510316/podcast.xml"}},"all-things-considered":{"id":"all-things-considered","title":"All Things Considered","info":"Every weekday, \u003cem>All Things Considered\u003c/em> hosts Robert Siegel, Audie Cornish, Ari Shapiro, and Kelly McEvers present the program's trademark mix of news, interviews, commentaries, reviews, and offbeat features. 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But is this once sleepy suburb ready for them?","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/American-Suburb-Podcast-Tile-703x703-1.jpg","officialWebsiteLink":"/news/series/american-suburb-podcast","meta":{"site":"news","source":"kqed","order":"13"},"link":"/news/series/american-suburb-podcast/","subscribe":{"npr":"https://rpb3r.app.goo.gl/RBrW","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?mt=2&id=1287748328","tuneIn":"https://tunein.com/radio/American-Suburb-p1086805/","rss":"https://ww2.kqed.org/news/series/american-suburb-podcast/feed/podcast","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkMzMDExODgxNjA5"}},"baycurious":{"id":"baycurious","title":"Bay Curious","tagline":"Exploring the Bay Area, one question at a time","info":"KQED’s new podcast, Bay Curious, gets to the bottom of the mysteries — both profound and peculiar — that give the Bay Area its unique identity. And we’ll do it with your help! You ask the questions. You decide what Bay Curious investigates. And you join us on the journey to find the answers.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Bay-Curious-Podcast-Tile-703x703-1.jpg","imageAlt":"\"KQED Bay Curious","officialWebsiteLink":"/news/series/baycurious","meta":{"site":"news","source":"kqed","order":"4"},"link":"/podcasts/baycurious","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/bay-curious/id1172473406","npr":"https://www.npr.org/podcasts/500557090/bay-curious","rss":"https://ww2.kqed.org/news/category/bay-curious-podcast/feed/podcast","google":"https://podcasts.google.com/feed/aHR0cHM6Ly93dzIua3FlZC5vcmcvbmV3cy9jYXRlZ29yeS9iYXktY3VyaW91cy1wb2RjYXN0L2ZlZWQvcG9kY2FzdA","stitcher":"https://www.stitcher.com/podcast/kqed/bay-curious","spotify":"https://open.spotify.com/show/6O76IdmhixfijmhTZLIJ8k"}},"bbc-world-service":{"id":"bbc-world-service","title":"BBC World Service","info":"The day's top stories from BBC News compiled twice daily in the week, once at weekends.","airtime":"MON-FRI 9pm-10pm, TUE-FRI 1am-2am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/BBC-World-Service-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.bbc.co.uk/sounds/play/live:bbc_world_service","meta":{"site":"news","source":"BBC World Service"},"link":"/radio/program/bbc-world-service","subscribe":{"apple":"https://itunes.apple.com/us/podcast/global-news-podcast/id135067274?mt=2","tuneIn":"https://tunein.com/radio/BBC-World-Service-p455581/","rss":"https://podcasts.files.bbci.co.uk/p02nq0gn.rss"}},"code-switch-life-kit":{"id":"code-switch-life-kit","title":"Code Switch / Life Kit","info":"\u003cem>Code Switch\u003c/em>, which listeners will hear in the first part of the hour, has fearless and much-needed conversations about race. Hosted by journalists of color, the show tackles the subject of race head-on, exploring how it impacts every part of society — from politics and pop culture to history, sports and more.\u003cbr />\u003cbr />\u003cem>Life Kit\u003c/em>, which will be in the second part of the hour, guides you through spaces and feelings no one prepares you for — from finances to mental health, from workplace microaggressions to imposter syndrome, from relationships to parenting. The show features experts with real world experience and shares their knowledge. Because everyone needs a little help being human.\u003cbr />\u003cbr />\u003ca href=\"https://www.npr.org/podcasts/510312/codeswitch\">\u003cem>Code Switch\u003c/em> offical site and podcast\u003c/a>\u003cbr />\u003ca href=\"https://www.npr.org/lifekit\">\u003cem>Life Kit\u003c/em> offical site and podcast\u003c/a>\u003cbr />","airtime":"SUN 9pm-10pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Code-Switch-Life-Kit-Podcast-Tile-360x360-1.jpg","meta":{"site":"radio","source":"npr"},"link":"/radio/program/code-switch-life-kit","subscribe":{"apple":"https://podcasts.apple.com/podcast/1112190608?mt=2&at=11l79Y&ct=nprdirectory","google":"https://podcasts.google.com/feed/aHR0cHM6Ly93d3cubnByLm9yZy9yc3MvcG9kY2FzdC5waHA_aWQ9NTEwMzEy","spotify":"https://open.spotify.com/show/3bExJ9JQpkwNhoHvaIIuyV","rss":"https://feeds.npr.org/510312/podcast.xml"}},"commonwealth-club":{"id":"commonwealth-club","title":"Commonwealth Club of California Podcast","info":"The Commonwealth Club of California is the nation's oldest and largest public affairs forum. 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