I went through something very similar when I moved states and started a new job. The combination of multiple W-2s and selecting Head of Household without properly accounting for your other income sources is definitely what caused your underwithholding issue. One thing that helped me was setting up quarterly estimated tax payments for situations like this. Since you know you'll likely owe again if you don't adjust your withholding, you could make estimated payments throughout 2025 to avoid penalties and the stress of owing a large amount at tax time. For your W-4 fix, I'd recommend using the IRS Withholding Estimator online rather than guessing. It will ask about all your jobs and give you specific amounts to withhold from each employer. Much more accurate than trying to figure out the multiple jobs worksheet manually. Also, keep in mind that owing $1,300 on multiple W-2s isn't necessarily a disaster - it just means your withholding was off. The goal is to get as close to zero as possible for next year so you're not giving the IRS an interest-free loan or scrambling to pay a big bill.

The good news is that owing $1,300 isn't catastrophic - it just means your withholding system needs an overhaul. I've been through similar situations with multiple W-2s, and it's almost always fixable with the right W-4 adjustments. Here's what I'd recommend for your immediate situation: First, if you haven't filed yet and need to pay what you owe, you can set up a payment plan directly with the IRS online. No need to call if you owe less than $50,000 - their online payment agreement tool is actually pretty straightforward. For fixing 2025, the Multiple Jobs Worksheet on the W-4 is your friend, but I get that it looks intimidating. The IRS Withholding Estimator online does the same calculations but walks you through it step by step. You'll need your most recent paystubs from all jobs, and it will tell you exactly what to put on each employer's W-4. One key thing - Arizona doesn't have special state withholding rules that would affect your federal taxes, so your move there isn't the culprit. It's really just the combination of Head of Household status (which assumes you're supporting dependents and withholds less) plus multiple income sources that each employer calculates in isolation. The quickest fix while you figure out the precise numbers is to change your highest-paying job's W-4 to "Single" status and add maybe $75-100 extra withholding per paycheck on line 4(c). You can always adjust it later once you run the numbers properly.

As someone who just went through a very similar situation, I can definitely relate to the initial panic! I had the exact same thing happen where my W2 showed a PEO (in my case, it was Trinet based in California) instead of my actual employer, even though I work remotely from Texas. What really helped me understand the situation was learning that PEOs are essentially co-employers for administrative purposes only. Your actual work location and state tax obligations don't change just because the PEO is in a different state. The key thing to focus on is boxes 15-17 on your W2 - as long as those show Indiana (which it sounds like they do based on your follow-up), you're only responsible for filing Indiana state taxes. I was worried about this for weeks until I finally filed my return with just Texas taxes despite the California PEO, and everything processed normally with no issues. The IRS and state tax agencies are very familiar with these PEO arrangements since they're becoming so common with remote work and smaller companies outsourcing HR functions. You should be completely fine filing only in Indiana as long as your state information in boxes 15-17 is correct!

I just want to echo what everyone else has said here - you're definitely not alone in this situation! As someone who works in payroll processing, I see PEO arrangements like this all the time, and they're becoming increasingly common especially for smaller companies and remote workers. The confusion is totally understandable when you first see an unfamiliar company name on your W2, but Decision HR is just handling the payroll and tax administration for your actual employer. Think of it like your employer hiring an accountant to do their books - the accountant handles the paperwork, but you still work for your original company. Since you've confirmed that Box 15 shows Indiana and Box 17 has your Indiana state withholding, you're all set to file only in Indiana. The fact that Decision HR is in Arizona is completely irrelevant to your tax obligations. I've processed thousands of these situations and have never seen anyone run into issues as long as the state information on the W2 is correct. Don't stress about it - just file your Indiana state return as you normally would. The IRS processes these PEO situations routinely and there's nothing unusual or problematic about your situation!

I'm in a very similar situation - got that exact same message about 5 days ago and have been anxiously waiting for the letter! This thread has been incredibly helpful in putting things into perspective. What really resonates with me is how many people mentioned that their "military documentation habits" actually worked in their favor. I'm the same way - I keep every tax document meticulously organized and cross-referenced, which apparently makes me weird among civilians but should be perfect for whatever the IRS needs! I took everyone's advice and checked my IRS online account yesterday to verify my address (all good there), and I've started mentally cataloging which documents I have readily available. Based on what everyone shared, it sounds like the most common requests are for income verification, dependent documentation, or education credits. The timeline consistency across everyone's experiences is really reassuring - seems like 2-3 weeks for the letter, then another 3-4 weeks to resolve once you respond. I'm definitely planning to use certified mail when the time comes. Thanks to everyone who shared their experiences here. It's amazing how much less stressful this becomes when you realize it's just a routine verification process rather than an indication that something's wrong with your return. This community support is invaluable for navigating these situations!

Just wanted to add my experience to this helpful thread! I received the same "we need more information" message about 6 months ago and completely understand that initial panic. Like many of you mentioned, my military background had me triple-checking everything I'd submitted, wondering what I could have possibly missed. In my case, the letter arrived in exactly 2 weeks and they were asking for verification of my spouse's military pay - apparently having Basic Allowance for Housing (BAH) and Combat Pay Exclusion on the same W-2 triggered their automated review system. Nothing was wrong, they just needed copies of my spouse's Leave and Earnings Statements (LES) to verify the tax-exempt combat pay amount. A couple of military-specific tips that might help: If you received combat pay, had a mid-deployment address change, or have income from multiple duty stations, these are common triggers for verification. Keep your military orders and LES records handy - they're often exactly what the IRS needs to verify military-related income situations. The whole process took about 3 weeks once I sent the requested documents via certified mail. Your organized approach to documentation will definitely work in your favor here. Try not to stress too much until you see what they specifically need - it's likely something much more straightforward than the anxiety makes it seem!

I'm also going through this exact situation and so relieved to find this incredibly helpful thread! Got my 810 code on April 27th after filing in February, and like everyone else here, I have that same combination of remote work deductions (first-time home office claims) and some freelance income from contract work that appears to be the common denominator triggering these reviews. The consistency in everyone's experiences is remarkable - mid-to-late April 810 codes, February filing dates, and these "new economy" tax situations. It's actually comforting to realize we're all part of what seems to be a systematic batch review rather than individual problems with our returns. I'm taking all the fantastic advice shared here: already organized all my documentation (W-2s, 1099s from contract work, home office receipts, equipment purchases) and checking my mailbox daily for that notice. The success stories with 6-8 week resolution timelines give me hope this won't become the nightmare delay I initially feared. What really helps reduce my anxiety is the perspective several people have shared about this being the IRS adapting their verification processes for remote work and gig economy returns rather than us having done anything wrong. We're essentially caught up in their learning curve for handling these newer tax patterns that have become so common post-pandemic. This community support has been invaluable - turning what felt like an isolating and confusing situation into something manageable with a clear action plan. Thanks to everyone for sharing their experiences and advice!

I'm also experiencing this exact same situation and incredibly grateful to have found this thread! Got my 810 code on April 29th after filing in early February, and like virtually everyone else here, I have that same combination of remote work deductions (first time claiming home office expenses) and some freelance consulting income that seems to be the universal trigger for these reviews. The consistency across everyone's experiences is absolutely remarkable - we're all getting 810 codes in this late April timeframe after February filings with these "new economy" tax situations. Reading through this entire discussion has transformed my panic into understanding. We're clearly all caught up in the same systematic IRS batch review process. I'm implementing all the excellent strategies shared here: already organized all my supporting documents (W-2s, 1099s from consulting clients, home office receipts, equipment purchases for my workspace) and checking my mailbox obsessively for that notice. The success stories with 6-8 week timelines give me realistic hope this won't turn into an endless ordeal. What's really helping my stress levels is the perspective that this represents the IRS adapting their verification procedures for remote work and freelance income patterns that became mainstream post-pandemic, rather than us having made errors. We're essentially experiencing their learning curve for processing these newer tax scenarios. This community has been absolutely invaluable - transforming what felt like a confusing and isolating situation into something manageable with clear next steps. The collective wisdom and support here is amazing. Has anyone who got their codes in the past week received any notices yet? I'm curious about the timing for those of us at the very tail end of this apparent batch review.

I just wanted to say thank you to everyone who contributed to this thread! As someone who's been stressing about this AMC reverse split situation for weeks, reading through all these detailed explanations and real experiences has been incredibly helpful. The consensus seems clear: my $602 loss calculation is correct, the reverse split itself isn't a taxable event, and as long as my 1099-B shows the right total cost basis of $744, I can confidently report this as a short-term capital loss. I've double-checked my forms and everything matches up with what you all described. I really appreciate the professional insights from the tax preparers who chimed in, and it's oddly comforting to know so many others went through similar AMC experiences during that crazy period. Sometimes these investment communities are the best place to get practical advice that you just can't find in the official tax guides. Time to stop overthinking this and just file my return. Thanks again everyone - this thread probably saved me from paying an accountant just to confirm what you all explained for free!

I had a very similar experience with AMC around the same time period! Lost about $500 on that investment after the reverse split mess. One thing I learned that might help others reading this thread: make sure to keep screenshots or printed copies of your original trade confirmations, especially for meme stocks that went through corporate actions. I almost lost my documentation when my old brokerage account got closed, and those records ended up being crucial when the IRS questioned my cost basis calculation during a random review. Also, for anyone dealing with multiple reverse splits or other corporate actions, I found it helpful to create a simple spreadsheet tracking the original purchase price, number of shares, split ratios, and final sale details. It makes the math much clearer when you're doing your taxes and gives you a clean paper trail if needed. The $602 loss you calculated is definitely correct based on what you described. At least we can take some comfort in knowing these losses help reduce our tax burden!