escheatment

When a saving / investment account is not access for a period of time, the bank is required by state law to turn over the property inside that account to the state.  This is called Escheatment. 

https://en.wikipedia.org/wiki/Escheat

In California, the state take hold of the property, and you can reclaim it by searching on this website. 

https://www.sco.ca.gov/upd_msg.html

In fact, I encourage everyone to search the escheament database in all states they ever lived in.  Sometimes the refund from a utility company were not claimed and are sent into escheatment. 

So in your case, it is likely that a person with your name has such money in the state escheatment database.  That's how those companies found it.  They are making 20% off you, but you can do your own claim and get the 100% money for yourself. 

Good luck.