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Yara Nassar
In my 12 years preparing taxes, I've noticed ID verification timelines follow a pattern. Early season (January-February): 7-10 days. Mid season (March): 14-21 days. Late season (April-May): 21-30 days. This is because the verification team gets increasingly backlogged as the season progresses. If you verified in April, you're unfortunately looking at the longer end of that spectrum. The good news is that verified returns are almost never rejected - it's just a matter of waiting.
Just completed my ID verification yesterday after getting the CP01 letter. Reading through everyone's experiences here, it sounds like I should expect 2-3 weeks based on the current backlog. @Sofia Rodriguez thanks for explaining the two-phase process - that really helps understand why it takes so long even after verification is "complete." Going to start checking my transcript daily for that 571 code you mentioned @Ava Thompson. Fingers crossed it doesn't take the full month that some people are experiencing!
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mine came yesterday actually! took exactly 2 weeks from when i filed. check ur mailboxes yall
The Boss
ā¢thx for the heads up! gives me hope lol
Sasha Ivanov
This is exactly why I always check for any processing issues before filing. H&R Block should have notified clients about this upfront - it's pretty frustrating to find out after the fact that your refund timeline just got extended by 1-2 weeks. At least now we know what's going on though. Thanks for sharing this info!
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One thing to keep in mind is that most RSUs are taxed at vesting (your company probably withheld shares for taxes when they vested). So your actual cost basis for tax purposes is the FMV on vesting date, not zero. This means your older RSUs that are "lower than current price" might actually represent a loss if the current price is lower than when they vested! In that case, selling them would give you a capital loss you can use to offset other gains. Check your vesting statements carefully!
Chris Elmeda
ā¢This is such an important point! I actually discovered I had some "underwater" RSUs last year that were showing as a loss because the price had dropped since vesting. Was able to harvest those losses to offset some gains elsewhere in my portfolio.
Dyllan Nantx
Great advice from everyone here! One additional consideration for @Kristin Frank - if you're in a higher tax bracket this year but expect to be in a lower bracket next year (maybe due to job change, retirement, sabbatical, etc.), it might make sense to delay selling the older RSUs to take advantage of the lower long-term capital gains rate when your overall income is lower. Also, don't forget about the Net Investment Income Tax (NIIT) - if your modified adjusted gross income exceeds $200K (single) or $250K (married filing jointly), you'll pay an additional 3.8% tax on investment income including capital gains. This could influence the timing of when you sell. The tools others mentioned like taxr.ai sound really helpful for modeling different scenarios, especially when you factor in state taxes and these additional considerations!
Sasha Reese
ā¢@Isabel Vega That s'a really smart question! If you re'close to those NIIT thresholds, spreading sales across tax years can definitely be worth it. The 3.8% additional tax on all your investment income above the threshold can add up quickly. Here s'a simple example: If you re'single and would have $220K income with RSU sales this year, you d'pay NIIT on $20K of investment income. But if you could split those sales so you have $190K this year and $190K next year staying (under the $200K threshold both years ,)you d'avoid NIIT entirely. The complexity is usually manageable - most brokerages let you specify which tax lots to sell, so you can easily control the timing. Just make sure you re'not accidentally creating wash sales or missing out on long-term capital gains treatment while trying to manage the income timing. A tool like the taxr.ai mentioned earlier would probably help you model exactly how much you d'save versus the hassle of managing multiple sale dates!
Paolo Longo
ā¢@Isabel Vega That s'a really smart question! Spreading RSU sales across tax years to stay under the NIIT threshold can definitely be worth it if you re'right at the edge. The 3.8% savings on potentially tens of thousands in capital gains adds up quickly. The key is to model it out - if you re'at $190K income and have $50K in RSU gains to realize, selling $10K this year and $40K next year keeps you under the $200K threshold both years, saving you about $1,900 in NIIT 3.8% (of $50K .)The complexity isn t'too bad if you re'organized about it. Most brokers let you specify which tax lots to sell first-in-first-out, (last-in-first-out, or specific identification ,)so you can be strategic about which RSUs to sell each year. Just make sure to account for other income changes - bonuses, promotions, spouse s'income changes, etc. The tax modeling tools mentioned earlier would be perfect for running these what "if scenarios" across multiple years.
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Sean Doyle
Be careful about assuming all 570 codes resolve quickly! Mine turned into a nightmare last year: ā¢ Started with just a 570 code in February ā¢ No letters for 4 weeks ā¢ Suddenly got a CP12 notice about math errors ā¢ Had to send documentation by mail ā¢ Took until AUGUST to get my refund ā¢ Lost out on thousands in interest Not trying to scare anyone, but don't assume it will always resolve automatically like OP's did. The IRS processing centers are still backlogged from pandemic staffing issues.
Taylor To
Congratulations on getting through the 570 code so quickly! This gives me hope as I'm currently dealing with one myself (day 12 and counting). I've been checking my transcript obsessively every morning like it's the lottery numbers. The IP PIN theory makes a lot of sense - I've been considering getting one for next year anyway since tax identity theft seems to be getting worse. Quick question: when your DDD appeared, did it show up at the same time the 570 code disappeared, or was there a delay between the two? Just trying to understand what to look for when I'm doing my daily transcript stalking! š
Mateo Sanchez
Has anyone used TurboTax for filing Form 4684? I'm in a similar situation where my insurance only covered about 70% of my actual hurricane damage costs. I'm trying to figure out if I should attempt this myself or hire a professional.
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Aisha Mahmood
ā¢I used TurboTax last year for a casualty loss claim and it was surprisingly straightforward. The program walks you through each section of Form 4684 and explains what documentation you need. Just make sure you have all your numbers ready - insurance settlement amount, contractor quotes, any appraisals, and your AGI for calculating the 10% threshold.
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Grace Lee
I went through this exact same situation after Hurricane Ian hit my area. The key thing to remember is that you need to calculate the "decrease in fair market value" of your property, not just the difference between repair costs and insurance payout. In your case, since you had to downgrade from a functioning chimney to just a wall, you'll need to document how this affected your home's overall value. I'd recommend getting a written statement from a local real estate agent or appraiser showing how the loss of a chimney impacts your home's market value compared to similar homes with chimneys. Also, make sure you get a written statement from your insurance company confirming they won't cover the additional $19k for full chimney replacement. This documentation is crucial for your Form 4684 filing. With your $78k AGI, you'll need to exceed $7,900 in total losses (after the $100 reduction) to get any deduction, but it sounds like you should easily clear that threshold. Keep all your contractor quotes, photos of the damage, and any correspondence with your insurance company. The IRS will want to see a clear paper trail showing the damage, the insurance settlement, and why you couldn't restore the property to its original condition.
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