I had a very similar experience with Charles Schwab after rolling over my 403(b). The key thing that worked for me was being persistent and asking to speak with the "document services" or "tax reporting" department specifically, not general customer service. When you call Fidelity, try this approach: immediately when the automated system starts, say "tax documents" or "1099" - many companies have voice recognition that will route you to the right department. If that doesn't work, keep saying "representative" until you get transferred. Also, gather any documentation you have from the rollover process before calling - confirmation emails, statements showing the transfer, anything with your old account number on it. Even if you can't log in anymore, having that account number can help them locate your records faster. One more tip: if the first representative can't help, politely ask to speak with a supervisor. Sometimes the front-line reps don't have access to closed account records, but supervisors or specialized departments do. Don't give up after the first "no" - you're legally entitled to those tax documents!

Just wanted to add one more option that saved me when I had this exact situation with Vanguard a couple years ago: If you still have access to your old work email (even if you've left the company), search for any emails from Fidelity about the rollover. Sometimes they send electronic delivery notifications or account closure confirmations that include a link to access tax documents online. Also, check if Fidelity has a "former participant" portal specifically for people with closed 401k accounts. Many plan administrators maintain these separate systems exactly for situations like this where you need historical documents but no longer have an active account. If all else fails and you're running up against the tax deadline, you can file your return and indicate that you're expecting a 1099-R form (most tax software has an option for missing documents). Then you can file an amended return once you get the form. Not ideal, but it prevents you from missing the filing deadline while you sort this out.

Hospital bills and health insurance documents worked for us! Our son was born in December and we had the exact same issue. We brought the hospital discharge papers plus a health insurance statement showing the baby added to our policy - both had our address and the baby's name. H&R Block accepted these without question.

I went through this exact situation with my February baby! What really helped was getting organized with all the documentation first. Here's what worked for me: 1. Birth certificate (shows baby's name and usually your address) 2. Hospital discharge summary (has both names and address) 3. Proof you applied for SSN - I got a receipt/confirmation from when we applied at the hospital 4. Insurance card or statement showing baby as dependent The key thing I learned is that different tax preparers interpret the requirements differently. Jackson Hewitt might be being overly cautious. I'd suggest calling around to other tax prep places - H&R Block, Liberty Tax, or even local CPAs. Many are more flexible with newborn documentation. You can also file yourself using tax software like TurboTax or FreeTaxUSA - they're usually more straightforward about what's actually required versus what preparers think they need to avoid potential penalties. The IRS is generally understanding about newborn SSN delays as long as you can show you applied and have proper identity/residency documentation. Don't let one tax preparer's interpretation stress you out - there are definitely options!

Just wanted to add that you should also make sure your Cash App account is fully verified with your SSN and everything before using it for tax refunds. The IRS can be picky about matching names and info, so if there's any mismatch between your tax return and your Cash App account details, it could cause delays or even send your refund back. Also keep screenshots of your routing/account numbers just in case!

Yeah Cash App definitely works for tax refunds! I've been using it for the past 2 years with no issues. Just make sure you have the Cash App debit card activated and your account fully verified with your real name/SSN that matches your tax return exactly. The routing number is 073923033 and you can find your account number in the app under the banking tab. Takes about the same time as any other bank - usually 1-3 business days once the IRS actually sends it out.

I've been through this exact scenario twice in the past three years. The 570/971 combination on your transcript is frustrating but usually not as scary as it seems. In my experience, it typically means they're doing a routine review of something on your return - could be verifying income against what employers reported, checking education credits (which you mentioned claiming), or just random selection. The key things I learned: 1. The notice (971 code) can take 10-14 days to arrive by mail from the transcript date 2. Sometimes the issue resolves automatically without any action from you 3. If they do need something, respond quickly to avoid further delays For what it's worth, both times this happened to me, my refund was eventually released without me having to do anything - one took 5 weeks, the other took 8 weeks. The waiting is absolutely nerve-wracking when you need the money, but try not to panic just yet. Keep checking your transcript weekly for any 846 code (refund issued) or other updates. And definitely make sure your mailing address is current with the IRS in case that notice does come.

I went through this exact same situation last year and completely understand the stress you're feeling, especially when you're counting on that money for important expenses like house repairs. The 570/971 combo is actually pretty common - it just means they've temporarily paused your refund while they review something. In my case, it turned out they were verifying my dependent information, and after about 6 weeks the hold was released automatically without me having to do anything. Since you mentioned claiming education credits, that could definitely be what triggered the review. Education credits are frequently flagged for verification, especially if it's the first time claiming them or if there's any discrepancy with the 1098-T form from the college. My advice: check your transcript weekly (not daily - it'll drive you crazy), make sure your address is current with the IRS, and watch your mail for that notice. Most importantly, try not to panic. While the waiting is absolutely awful, the vast majority of these cases resolve within 4-8 weeks with either no changes or minor adjustments to your refund. Keep us posted on any updates - this community is really helpful for sharing experiences and supporting each other through these frustrating IRS delays!

I just went through this exact situation last year and wanted to share some additional insights that might help. You're absolutely right that this is a common scenario, but it's one of those areas where the tax code creates some complexity. A few things that tripped me up initially: 1. Make sure you're only recapturing the ALLOWABLE depreciation, not necessarily what you actually claimed. The IRS requires you to recapture the depreciation you were entitled to take, even if you forgot to claim it in some years. 2. If you lived in the home for at least 2 of the last 5 years before the sale, you should still qualify for Section 121 exclusion on the capital gains portion - but as others mentioned, the depreciation recapture is always taxable. 3. Keep detailed records of when you converted it to rental use and when you converted it back (if applicable). The partial business use affects how much of your total gain is eligible for the Section 121 exclusion. Regarding TaxAct - I found their premium version could handle it, but I had to be very careful about how I answered their interview questions. The software sometimes gets confused about the timeline if you don't input things in a specific order. One more tip: if your total gain is large relative to the Section 121 exclusion limits, make sure you understand how the exclusion gets allocated between the capital gain and the depreciation recapture portions. The exclusion applies to capital gains first, so if you have a really large gain, you might end up with more taxable capital gains than expected.

This thread has been incredibly helpful! I'm dealing with a similar situation where I converted my primary residence to a rental in 2019, and I'm planning to sell it this year while still qualifying for the Section 121 exclusion. One thing I'm still confused about is the timing aspect. I've seen conflicting information about whether the Section 121 exclusion applies if you used the property as a rental for more than 3 out of the last 5 years before the sale. Some sources say you lose the exclusion entirely, while others say you just lose it proportionally based on the non-qualified use period. Also, for those who mentioned using tax software - has anyone tried FreeTaxUSA for this type of situation? I've been using their paid version for years but I'm wondering if it can handle the complexity of Form 4797 and the Unrecaptured Section 1250 calculations properly. Finally, @Leo McDonald made a great point about keeping detailed records of the conversion timeline. I'm wondering if utility bills showing the change from residential to rental rates, or homeowner's insurance policy changes to landlord insurance would be sufficient documentation for the conversion dates? Thanks everyone for sharing your experiences - this is definitely one of those tax situations where real-world examples are worth their weight in gold!