I filed on February 5th and got my refund deposited on February 18th - so 13 days total! Much faster than I expected. I have a relatively straightforward return (W-2, some student loan interest deduction, and child tax credit), but I was still pleasantly surprised by the speed. One tip that might help while you're waiting - if you have the IRS app or access to your online account, you can also check the status there in addition to the "Where's My Refund?" tool. Sometimes one updates before the other. For your car repairs, if the refund doesn't come through in time, some auto shops offer payment plans or might work with you on timing if you explain the situation. Hope your refund comes through quickly!

Just wanted to add another data point to help ease your anxiety! I filed my return on January 28th and received my refund via direct deposit on February 10th - exactly 13 days, which was amazing compared to last year when I waited almost 5 weeks. My situation was a bit more complex too - I had W-2 income, some 1099-MISC freelance work, and claimed the American Opportunity Tax Credit for college expenses. I was worried the education credit might slow things down since those sometimes get extra scrutiny, but it went through without any issues. The key things that seemed to help: e-filing, direct deposit, and making sure all my documents matched exactly what was reported to the IRS. I also made sure to file during a weekday rather than weekend, though I'm not sure if that actually matters. For your car repairs situation, I totally get the stress of waiting! If it helps, most people in this thread seem to be getting their refunds well within that 21-day window this year. The IRS really does seem to have their act together better than in previous years. Keep checking that "Where's My Refund?" tool - once it shows "approved" you should see the money within a few days after that.

Don't forget to check your state return too! If you're amending federal for a missed 1099-R, you might need to amend state as well, even for non-taxable events. Some states require reporting of all 1099-Rs regardless of taxability.

Great question! Just went through this exact process last month with a missed 1099-R for a Roth conversion. You only need to sign the 1040X form - that's the official amendment document. The revised 1040 is just supporting documentation to show what the corrected return looks like. One tip I wish I'd known earlier: make sure to include a brief explanation letter with your amendment explaining that this was a non-taxable Roth rollover that was simply omitted from the original filing. This helps the IRS processor understand the context and can speed up processing. Also double-check that you're reporting the rollover in the correct section of your 1040 - it should go in the IRA distributions section with the taxable portion marked as $0. The IRS gets confused when the reporting doesn't match their records from the 1099-R. Your amendment should be straightforward since there's no tax impact, but getting all the documentation right upfront will save you potential follow-up letters from the IRS.

I'm dealing with a very similar situation right now - filed early February, got hit with an 810 freeze, received the dreaded 12C letter, and submitted my amended return about 3 weeks ago. Still radio silence on my transcript. From everything I've read and experienced, here's what I've learned: • The 810 freeze is basically putting your return in "manual review purgatory" - it won't lift until an actual human looks at your case • Amended returns don't show up on transcripts immediately, sometimes taking 4-6 weeks just to appear in the system • The "Where's My Amended Return" tool is pretty useless during this phase I finally broke down and called using one of those callback services (claimyr.com) after failing to get through on my own for weeks. The agent confirmed they had received my paperwork but said it was in a queue for income verification review - could take 16-20 weeks total. It's frustrating as hell, but at least now I know it's not lost in the void. My advice would be to call just to confirm they have your amended return, then try to forget about it for a few months. The waiting game with the IRS is brutal but unfortunately unavoidable with these freeze codes. Hang in there - we're all suffering through this together! 😩

I'm in a very similar boat - filed in early February, got slapped with an 810 freeze, received my 12C letter in late February, and sent in my amended return about a month ago. My transcript still shows nothing but that original 810 code from February. The waiting is absolutely killing me because I really needed this refund to cover some unexpected medical bills. I've been checking my transcript obsessively hoping to see some movement, but it's like watching paint dry. From what I've gathered reading through all these responses, it sounds like the key is just confirming they actually received the amended return, since the transcripts are so slow to update. I think I'm going to bite the bullet and try one of those callback services to get through to an actual agent. The most frustrating part is not knowing if you're in week 1 of a 20-week wait or if your paperwork got lost somewhere in their system. At least if I can confirm they have it, I can stop obsessing over whether I need to resubmit everything. Thanks to everyone sharing their experiences - it really helps to know this nightmare timeline is unfortunately normal and not just something wrong with my specific case!

Went through this last year and let me tell you, it's like the IRS version of dating - just when you think they're ghosting you, they text back! 😂 But seriously, watch out for what happened to me: status changed to processing, I got excited, then BAM - got hit with the dreaded 60-day review letter two weeks later. Apparently my employer submitted my W-2 with a typo in my SSN. The moral of this tragic tax tale: even when it goes back to processing, keep checking your transcript for codes 570/971 which might indicate additional reviews. Not trying to be a downer, just saying don't celebrate until you see that 846 refund issued code!

I'm going through this exact situation right now! Filed early February, got stuck in ID verification hell for about 10 days, and just switched back to processing yesterday. Reading through everyone's experiences here is actually really reassuring - sounds like this status change is generally a good sign that things are moving forward. For those asking about transcripts showing N/A - mine is still showing that too, but from what I'm reading here it sounds like that's normal during this transition period. I'm going to try to be patient and check again in a few days. @Melina Haruko - thanks for starting this thread! The PCS timing stress is real. We're military too and have had our fair share of verification delays over the years. Fingers crossed we both get some movement soon!

This is such a common situation! I went through the exact same thing last year with multiple high-yield savings accounts. You're absolutely correct that you need to report ALL interest income, regardless of whether you receive a 1099-INT or not. Here's what I learned from my experience: First, log into each of your bank accounts and look for an annual summary or year-end statement - most banks provide these in their online portals by January. If you can't find that, your December statement should show year-to-date interest earned. For reporting, if your total interest income from all sources is over $1,500, you'll need to use Schedule B and list each payer separately. If it's under $1,500, you can just report the total on Line 2b of Form 1040. The key thing to remember is that banks DO report all interest payments to the IRS through information returns, even when they don't send you a 1099. So the IRS will know about this income eventually. It's much better to report it correctly upfront than deal with a notice later asking why your reported income doesn't match their records. Keep good records of where each amount came from - screenshot those online statements or save PDFs, because you'll want documentation if questions come up later.

This thread has been incredibly helpful! I'm dealing with a similar situation where I have interest from 4 different banks, all under $600 each. One thing I wanted to add that I learned from my tax preparer last year: make sure you're keeping track of which accounts are actually "dormant" versus just low-activity. If you've been moving money around between accounts during the year, some banks will pro-rate the interest reporting based on when you opened/closed accounts or made significant deposits. This can make the math trickier when you're trying to reconcile everything. Also, for anyone using multiple high-yield savings accounts to chase rates (like OP mentioned), consider keeping a simple spreadsheet throughout the year with bank name, account type, and running interest totals. I started doing this after spending way too much time in January trying to hunt down all my statements. Makes tax time so much less stressful when you're prepared! The bottom line everyone's mentioned is spot on - report it all, no matter how small. The peace of mind is worth way more than the few extra dollars in taxes you'll pay.