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Does anyone know if there's any penalty for filing really late taxes if you're actually OWED a refund? I'm in a similar situation (missing 3 years of W2s) but I'm pretty sure I overpaid taxes for those years.
If you're owed a refund, there's no penalty for filing late. The IRS is happy to hold onto your money interest-free! But there IS a deadline to claim your refund - you only have 3 years from the original due date to file and get your money back. After that, you lose the refund completely. So for example, for 2022 taxes (due April 2023), you have until April 2026 to claim any refund. But for 2019 taxes, if you haven't filed by now, that money is gone forever.
One thing that hasn't been mentioned yet is that you can also try contacting payroll processing companies directly if you remember any of them. Companies like ADP, Paychex, and Ceridian keep W2 records for years even after employers switch services. If you can figure out which payroll company your former employers used (sometimes this info is on old pay stubs if you have any), you can contact them directly. They usually require some identity verification, but they can often provide duplicate W2s going back several years. Also, don't forget to check if any of your employers were government entities (federal, state, or local). Government employers typically have much better record-keeping and are usually more helpful about providing historical W2s. They also often have online portals where former employees can access old tax documents. The combination of your Social Security earnings record, state tax department records, and these payroll company records should help you piece together most of your missing employment history. Good luck!
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idk about column but I did mine thru chime last month. Pretty straight forward if u dont have anything complicated. Still waiting on my refund tho
how long u been waiting?
bout 3 weeks now. WMR still says processing
My refund on turbo tax is more than my refund on chime/column Anyone know why that is? I double checked and made sure I put in all the same info and docs
That's weird! Could be a difference in how they calculate deductions or handle certain tax situations. Maybe one is missing a form or credit that the other caught? I'd double check that both are importing all your W-2s and 1099s correctly
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Did you get any other codes with the 570? Sometimes theres a 971 notice issued code that comes with it
nope just the 570 by itself
Just wanted to share my experience - I had the exact same situation! 570 code appeared right after successful ID verification. I was panicking thinking something went wrong, but it actually cleared after 19 days. The code 570 is basically the IRS saying "hold up, we're still processing your verification" even though you already completed it successfully. It's frustrating but totally normal. Keep checking your transcripts weekly and you should see it lift soon! 🤞
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Has anyone considered how much interest the state earns by holding onto millions of dollars in refunds for months? What would happen if everyone adjusted their withholdings so precisely that they neither owed nor were owed at tax time? The system seems designed to use our money interest-free all year, then make us wait months to get back what was always ours. My accountant says NJ is notorious for this and recommends adjusting withholdings to minimize refunds - you're essentially giving the state an interest-free loan otherwise.
This is so validating to read! I'm also a first-time NJ filer and have been stressing about the wait time. Filed electronically on February 22nd and keep checking that useless status page every few days. Based on everyone's experiences here, it sounds like I shouldn't expect anything until late May at the earliest. Really appreciate @Avery Davis's breakdown of the different processing timeframes - that explains a lot. I claimed the property tax deduction so I'm probably looking at the longer timeline. Guess I'll stop obsessively checking and just wait it out. At least now I know this glacial pace is "normal" for NJ! 🐌
Omar Zaki
Check your loan estimate carefully! Mine had an origination charge of 1% but when i looked at the breakdown it was actually 0.25% for points (deductible) and 0.75% for underwriting fees (not deductible). They lump it all together as "origination" which is super confusing.
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AstroAce
•This! My lender did the exact same thing. One line item called "origination fee" but it was actually multiple different charges. Had to ask for the itemized breakdown.
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LongPeri
Great advice from everyone here! I went through this same confusion last year. One thing that really helped me was getting the HUD-1 Settlement Statement (or Closing Disclosure for newer loans) and looking specifically at line 801 for "Loan Origination Fee" and line 802 for "Loan Discount (Points)". If your 1.25% fee shows up on line 802 or is specifically labeled as discount points, it's likely deductible. If it's on line 801 as a service fee, it's probably not. Also, the IRS has a specific test for deductible points: they must be computed as a percentage of the loan amount, paid for your main home, be customary in your area, and not exceed the amount generally charged. Your lender should be able to confirm which category your fee falls into - don't be afraid to press them for specifics since this affects your taxes!
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Lucas Adams
•Your lender should definitely know what's customary for your area since they process loans there regularly, but you can also check with other local lenders or mortgage brokers for comparison. Generally, points ranging from 0.5% to 2% of the loan amount are considered typical, but it varies by region and market conditions. The lender is required to provide you with a Loan Estimate form within 3 business days of your application that shows all fees, and they should be able to explain whether each fee meets the IRS criteria for deductible points. Don't hesitate to ask them directly: "Does this fee qualify as deductible points under IRS guidelines?" - they deal with this question all the time and should give you a straight answer.
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James Maki
•Your lender should definitely know what's customary in your area since they deal with local mortgages all the time. But you can also check with other local lenders or mortgage brokers to get a sense of typical point rates - most will quote you ranges over the phone. Generally, points between 0.5% to 2% of the loan amount are pretty standard, but it varies by region and market conditions. You can also ask your lender something like "Is this 1.25% fee within the normal range for points in this area?" They should be able to give you a straight answer. If they seem evasive or say they don't know, that might be a red flag that it's actually a service fee rather than true points.
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