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.
