I'm in a very similar situation! Filed on February 7th and have been religiously checking WMR since then. Got all three checkmarks completed about 10 days ago with the same February 27th direct deposit date, and like you, still nothing showing up in my account as of tonight. Reading through everyone's responses here has been really helpful though. It sounds like the February 27th date is when the IRS sends the payment to Treasury/your bank, not necessarily when it posts to your account. Several people mentioned their banks took 1-3 additional business days to actually process and post the deposit. I also saw someone mention there might be system delays this week affecting refunds scheduled for February 26-28, which could explain why so many of us are in the same boat right now. I'm going to try to stay patient until that March 4th deadline they specifically mention, even though it's really hard when you're counting on that money! My bank told me to check again tomorrow morning since some deposits don't appear until after their overnight processing. Hopefully we'll all see our refunds show up in the next day or two. The waiting is definitely the worst part of this whole process! 🤞

I'm dealing with the exact same situation! Filed on February 3rd and got all three checkmarks with a February 27th scheduled date, but still no deposit as of tonight. Reading through all these responses has been really reassuring though - sounds like this is pretty normal and the February 27th date is when the IRS sends the payment, not when it actually hits our accounts. The system delay explanation someone mentioned makes total sense too. It's so typical of the IRS to not communicate these delays clearly! I called my bank earlier and they said to check again in the morning since their system updates overnight, and that ACH transfers can take 1-3 business days to fully process even after they're initiated. I'm going to try to stay patient until that March 4th deadline they specifically mention, even though it's killing me to wait when I need this money for bills. At least knowing so many of us are in the same boat makes me feel less anxious about it. Hopefully we'll all see our refunds by early next week! 🤞

Make sure you're also checking if you're eligible for the Lifetime Learning Credit if the American Opportunity Credit doesn't work for your situation! It's worth looking into both to see which one benefits you more.

Hey Nia, I totally get the anxiety you're feeling - I went through something very similar last year! The good news is that you're being responsible by trying to get this right, and the IRS really isn't as scary as it seems for situations like yours. A few things that might help ease your worry: First, you can absolutely set up a payment plan with the IRS if you can't pay the full amount at once. They offer installment agreements that can be as low as $25-50 per month depending on your situation. You can even apply online through their website. Second, regarding last year's return - while it's true your dad should have reported that $3,500 in excess scholarship income, the fact that you're correcting things going forward shows good faith. If you do decide to amend last year's return (which is generally the right thing to do), you can include a statement explaining that you were unaware of the scholarship taxation rules and are voluntarily correcting the error. Also make sure you're maximizing any education credits you qualify for - the American Opportunity Credit could potentially offset a significant portion of what you owe. Don't let the anxiety paralyze you - take it one step at a time and remember that the IRS works with people who are trying to comply with tax law.

I've been following this thread and wanted to add some perspective as someone who's dealt with similar family tax dynamics. Your instincts are absolutely right to question this - requesting your entire tax return is excessive and unnecessary. What strikes me most is how many people here have shared nearly identical experiences where parents claimed their "accountant needed everything" but it turned out to be curiosity or control rather than legitimate tax requirements. The pattern is pretty clear. Here's what I'd suggest: Before providing ANY information, do your own support test calculation first. With $28K income and 4 months of independent living (paying your own rent, utilities, food, etc.), you very likely provided more than half your own support anyway. If that's the case, your mom legally can't claim you regardless of what paperwork she has. Use this simple approach: Add up ALL your annual expenses (including fair market value of your room at home for those 8 months), then calculate what percentage you paid from your own earnings. If it's over 50%, the conversation ends there. If you do end up needing to provide information, stick to the three essentials everyone's mentioned: total income, total support costs, and your portion. Any legitimate CPA will confirm that's all they need. Don't let family pressure override your right to financial privacy now that you're an independent adult. Trust your gut - it's clearly working well here!

Based on everything you've shared, your instincts are spot-on. No legitimate CPA needs your complete tax return to determine dependent eligibility - this is a major red flag that others here have correctly identified. Here's the reality check: with $28K income and 4 months of independent living expenses (rent, food, utilities), you almost certainly provided more than half of your own support for 2024. This means your mom legally CANNOT claim you as a dependent, period. My advice is to calculate your support test before any further discussions. Add up your total annual living costs (including fair market value of housing for all 12 months), then see what percentage you covered from your own income. If it's over 50% - which seems likely given your situation - the entire conversation becomes moot. If your mom's CPA truly needs verification, they only require three numbers: your total income ($28K), your total annual support costs, and how much you paid yourself. That's it. Any pushback on providing just these basics confirms this isn't really about tax compliance. You're an adult now and entitled to financial privacy. Don't let family pressure override your right to make informed decisions about your own taxes. Trust your gut - it's clearly working well here!

Had this exact same situation last year! The key thing to remember is that these are two separate review processes that can run parallel. For the 4464, you'll need to verify your identity either online through ID.me or by scheduling an appointment at a Taxpayer Assistance Center. Don't wait on this one - it has strict deadlines. The CP05 income verification will continue its own timeline regardless. Pro tip: once you complete the identity verification, call the number on your CP05 letter to let them know - sometimes it can speed up the income review process since they'll have confirmation you're legit.

I went through this nightmare combo last tax season too! What helped me was creating a simple timeline tracker - wrote down when I got each letter, what actions I took, and key deadlines. The 4464 identity verification definitely takes priority since it's time-sensitive, but don't stress too much about the CP05 timing. Mine took about 90 days even after identity verification was complete. One thing nobody mentions is that you can actually check your account transcript online at irs.gov to see if there are any updates on either process - sometimes the status changes before you get any mail updates. Hang in there, it's frustrating but you'll get through it! 💪

This has been such an incredibly helpful thread! As someone completely new to the injured spouse situation, I was feeling overwhelmed trying to figure out Form 8379, but reading through everyone's real experiences has made it so much clearer. A few key points that really stood out to me: 1. The Treasury Offset Program number (1-800-304-3107) seems like an absolute must-call before filing - it could save you from unnecessarily filing Form 8379 if the debt is no longer active 2. Timing is crucial - filing proactively with your original return versus waiting until after an offset happens can literally save you months of processing time 3. The calculations are way more complex than I initially thought - it's not just about income splits, but also considers withholding, estimated payments, and various credits 4. Filing separately might be an option worth exploring, especially if you don't have dependents or qualify for many joint filing benefits I'm in a similar boat where my spouse has old debt (federal student loans from years ago), and we typically get modest refunds around $1,500. Based on what I've learned here, my plan is to: - Call the Treasury Offset Program to check if the debt is still active - If it is, file Form 8379 with our return this year to protect my portion - Keep detailed records of our withholding and payments in case the IRS needs documentation Thank you to everyone who shared their experiences - this thread is going to save me so much stress and confusion!

This thread has been absolutely invaluable! As someone who just discovered I might need to file Form 8379, I was completely lost until I read through all these experiences. I'm in a situation where my spouse has old tax debt from about 6 years ago, and we're expecting a refund of around $2,800 this year. Based on everything I've learned here, I'm definitely going to call that Treasury Offset Program number (1-800-304-3107) first to see if the debt is still active before doing anything else. One thing that really surprised me was learning that the 10-year collection statute can be extended by things like bankruptcy or payment agreements. My spouse did file bankruptcy about 4 years ago, so that probably explains why this old debt might still be collectible. I also had no idea that you need to file Form 8379 every single year - I was thinking it was a one-time thing! And the point about filing it proactively with your original return versus waiting until after an offset is so important. The difference between 6-11 weeks versus 6+ months processing time is huge. Thank you to everyone who shared their real experiences and especially those who mentioned specific resources like the Treasury Offset Program number and taxr.ai. This community has probably saved me from losing our entire refund!