I've been tracking deposit patterns for the 2024 filing season, and there's actually a workaround some people are using. If you really need access to funds earlier next year, consider setting up a free account with SoFi, Current, or Chime just for your tax refund. You can always transfer the money to your main Chase account afterward. Just be aware that for this year, with your March 13th DDD, you should expect the deposit between 12:01am and 6:00am on Wednesday. Chase processes their ACH transfers in overnight batches, with most tax refunds appearing in the 2am-4am window.

I was in your exact situation last year! After 5 years with Chime getting my refund 2-3 days early, I switched to Chase and was shocked when nothing showed up until the actual DDD. According to IRS Publication 2043 section 4.2, the Treasury's Financial Management Service transmits ACH payments to financial institutions with specific settlement dates that banks are required to honor. While some institutions choose to advance funds based on these pending ACH notices, traditional banks typically don't. I was so relieved when the money finally showed up at 3:42am on my DDD. Now I just plan my expenses around the actual date and it's much less stressful.

According to the IRS website (https://www.irs.gov/identity-theft-fraud-scams/identity-verification-for-irs-letter-recipients), you do have some options while waiting. If it's been more than 30 days, you can request a reissued letter. Also, some Taxpayer Assistance Centers can help with verification if you bring multiple forms of ID, even without the letter - despite what some phone agents might tell you. Check the IRS appointment line or website to find one near you that specifically offers ID verification services.

Waiting for IRS letters is like watching paint dry while standing in quicksand. You're stuck and it feels like nothing is happening. Last year, I had a friend who waited 7 weeks for their verification letter! The whole system seems designed to test our patience. My advice? Call once a week to check status, document every call (who you spoke with, date/time), and if it's been more than 4 weeks, specifically ask for a supervisor who might have additional options.

Oh my goodness, I'm literally going through this exact thing right now! It's so frustrating! I filed on 2/10 and called last week because nothing was happening. Got the same response about a verification letter coming soon. I was nearly in tears because I'm counting on that money for car repairs. The letter finally arrived yesterday (took about 2.5 weeks) and I verified online immediately. My transcript updated THIS MORNING with a DDD for next Wednesday! I'm so relieved! Hang in there - the waiting is the hardest part but once you get that letter, things move pretty quickly! 🙌

I was in this exact situation in February. Filed on 1/29, called on 2/20 when nothing was happening, and got the same response about waiting for a verification letter. The letter came about 3 weeks later, I verified online immediately, and my refund was in my account 8 days after that. The whole process was anxiety-inducing but worked out fine in the end. My advice: set up informed delivery with USPS so you know exactly when that letter arrives, then jump on the verification immediately. Don't wait even a day - it makes a difference in how quickly they process it afterward.

Did you check your tax transcript for updates? The 9-week timeline starts exactly from the date your verification was processed, not when you submitted it. You need to check for code 570 (refund hold) being replaced with 571 (hold released) which typically happens within 14-21 days for 72% of verified returns. You absolutely should monitor your transcript every 3-4 days as it updates more frequently than WMR!

I had to verify my identity on February 8th, 2024 after filing on January 29th, 2024. My transcript updated with code 570 on February 12th, then showed code 571 on February 26th. My refund was deposited on March 1st, 2024 - exactly 21 days after verification. The verification delay added precisely 3 weeks to my normal processing time. Based on your March 24th verification date, I would expect movement on your transcript by April 14th, 2024 at the latest, with potential deposit by April 19th, 2024.

I recently navigated this exact scenario with my children. The key is the Designated Beneficiary Allocation in your child support order. When I received a lump sum arrears payment via tax intercept, I had to provide SSA with a Child Support Distribution Affidavit showing the funds were exclusively for my non-SSI children. Without this documentation, SSA applied the standard Multiple Recipient Presumption and reduced my child's SSI payment accordingly. Check if your state's child support enforcement agency can provide an official allocation statement.

You know what's funny about government benefits? They expect you to be a lawyer, accountant, and mind reader all at once! But seriously, I think there's one detail we haven't addressed yet - if the money comes through tax intercept (which it sounds like it will), it technically comes to YOU, not directly to either child. That means you have some control in how you document and use those funds. If you can show the money is being used exclusively for your older daughter's expenses, that helps your case with SSI. Keep receipts for anything you buy specifically for your older daughter with those funds.

According to the IRS website, Tax Topic 201 specifically refers to the Treasury Offset Program. I had this happen last year with an old student loan I forgot about. They took my entire refund! The IRS doesn't even handle the offset program - it's the Bureau of Fiscal Service. You can check if you have offsets by calling 800-304-3107. I'm worried for you because amended returns already take 16+ weeks to process, and offsets can complicate things further.

I just went through this exact situation! Tax Topic 201 appeared on my WMR after filing an amended return. It turned out I had a very small state tax debt from 2019 that I didn't even know about. The IRS took that portion and sent me the rest. The whole process took about 5 weeks from when I first saw the code until I received the remaining refund. Much faster than I expected!

I'm not sure about using third-party services to contact the IRS... The official Identity Verification number is 800-830-5084 (per the IRS.gov website). You can also try the main IRS customer service at 800-829-1040. Wait times are long, but I'd be cautious about giving any info to non-IRS services when dealing with tax matters.

Claimyr doesn't ask for any personal information. It just navigates the IRS phone tree and waits on hold for you, then calls you when an agent is on the line. They don't see your tax info or anything like that. I used it last month when I needed to verify my identity after getting a letter. Saved me hours of hold time.

I went through this exact situation on February 8th, 2024. My wife and I filed jointly on January 15th and got the verification letter on February 2nd. Here's what you need to know: We both had to attend the in-person appointment that was scheduled for February 22nd. The IRS agent specifically told me on February 8th when I called that for joint returns, both taxpayers must verify their identities if the letter indicates this. There is no workaround for this requirement as of the 2024 tax season. The appointment itself took exactly 35 minutes, and we received our refund on March 12th - exactly 18 days after our verification appointment. The processing was surprisingly quick once we completed the verification.

According to IRS Publication 5027 (Identity Theft Information for Taxpayers), when a joint return is selected for identity verification, both taxpayers must complete the verification process as specified in the notice. This is mandated under Internal Revenue Code Section 6103(e) which governs disclosure of return information. However, there are exceptions under certain hardship conditions. If one spouse cannot physically appear due to documented medical conditions, military deployment, or residence outside the country, the IRS may make accommodations on a case-by-case basis. Have you checked if either of you qualifies for these exceptions?

Have you tried checking your account transcript instead of WMR? WMR is about as useful as a chocolate teapot when offsets are involved. 🍫☕ The transcript will show you the exact codes for the offset and when it processed. Log into IRS.gov, request a transcript, and look for code 898 (offset) and the amount. Much more reliable than playing the WMR refresh game every 20 minutes!

I had almost the exact same timeline last year. Filed mid-February, had an offset for old state taxes, and got my remaining refund about 5 days after the offset date. The thing nobody tells you is that Credit Karma's early deposit feature doesn't really help with offset situations because the delay isn't with the bank - it's with the IRS processing the offset. Once my offset cleared though, CK did deposit my remaining refund about a day earlier than my husband's traditional bank did with his refund.

I've been through this rodeo before! 🤠 Last year I transposed two digits in my account number (classic me, lol) and ended up with a paper check. The 846 date was the "refund authorized" date, then they took about a week to mail it, and another week for delivery. Pro tip: sign up for USPS Informed Delivery if you haven't already - you'll get daily emails showing scans of mail that's about to be delivered, so you'll know exactly when that beautiful Treasury check is arriving!

Def been thru this last yr. The 846 date is NOT when u get the check. IRS sends the $ info to Treasury on that date, then Treasury prints checks in batches 2x/week. Depending on when ur 846 hits their schedule, could be 1-10 days b4 it's actually printed. Then USPS takes 3-5 biz days. Pro tip: DO NOT CALL the regular IRS # to check status - complete waste of time. They'll just read the same transcript info u already have. Ask me how I know 🙄