I'm currently going through this exact same situation and it's so frustrating! Filed in early April, been stuck with a 570 code for about 3 weeks now with that same unhelpful "additional account action pending" message. No letters, no communication, just silence from the IRS. Reading through all these experiences is actually really comforting though - seems like most people are getting their 846 codes after 6-8 weeks of waiting, even without having to provide any additional documentation. I've been obsessively checking my transcript daily but I think I need to follow the advice here and limit it to weekly checks to preserve my sanity. It's reassuring to know that the 570 code doesn't necessarily mean there's a problem with my return, just that they're backed up and taking their time to review things. Thanks everyone for sharing your timelines - it helps to know this nightmare eventually ends!

I'm in the exact same situation! Filed early April and got hit with the 570 code about 3 weeks ago. That "additional account action pending" message is so vague and unhelpful - it tells you absolutely nothing about what they're actually doing or how long it might take. I've been checking my transcript obsessively every few days hoping to see it change to 846. Reading through all these responses is actually really reassuring though. It seems like most people are seeing their 570 codes resolve after 6-8 weeks without having to do anything on their end. The lack of communication from the IRS is incredibly frustrating when you're depending on that money, but at least now I know this is a common issue this year and not something specific to my return. Going to try to limit myself to checking the transcript just once a week to preserve what's left of my sanity! Thanks for posting this - it's comforting to know we're all in the same boat.

I've been following this thread closely since I'm dealing with the same IP PIN issues, and I wanted to add a few things that might help based on my recent experience: First, I can confirm that the 6 AM EST system refresh tip actually works! I tried it yesterday morning after reading Daniel's post and was able to successfully access the IP PIN tool on my first attempt. The key seems to be logging in right at 6:00 AM - not 6:05 or 6:10, but exactly at the refresh time. Second, for those waiting on mail delivery, I received mine yesterday after exactly 6 weeks and 2 days from my initial request. This aligns with what others are reporting about the 6-7 week timeframe. One additional tip that helped me: if you're still having online issues, try using an incognito/private browsing window AND clearing your cookies specifically for irs.gov before attempting access. Sometimes the site stores corrupted session data that causes the "Something went wrong" error to persist even after clearing your general browser cache. For anyone approaching the April 15th deadline, definitely file that Form 4868 extension as a backup plan. It's free and gives you peace of mind while you wait for your PIN to arrive. You can always file your actual return early once you get the PIN, even if you've already filed the extension. The IRS systems are definitely struggling this year, but there are multiple paths to success if you stay persistent!

I've been dealing with IP PIN issues for the past month and wanted to share what finally worked for me after trying almost everything mentioned in this thread! Like many of you, I was getting the dreaded "Something went wrong" error constantly. I tried the 6 AM refresh method that @Alicia mentioned, but my timing was apparently off because it didn't work the first few attempts. However, I kept trying different variations and here's what ultimately succeeded: 1. I used a completely different device (borrowed my neighbor's laptop) 2. Cleared all cookies and used incognito mode as suggested 3. Instead of 6:00 AM exactly, I tried 6:03 AM EST and got through immediately 4. The whole process took less than 2 minutes once I was in The key insight was that the system refresh might take a couple minutes to fully propagate, so trying at 6:03 AM instead of exactly 6:00 AM seemed to hit that sweet spot. For those still waiting on mail delivery - I can confirm it's running about 6.5 weeks based on what I'm hearing from others in my tax preparation group. If you requested yours in early March, you should be seeing it any day now. One more tip: if you're using a tax software like TurboTax or H&R Block, you can actually input a placeholder PIN (like 123456) to complete your return preparation, then go back and update it with the real PIN once you receive it. This way you're completely ready to submit the moment your PIN arrives. Hope this helps someone avoid the frustration I went through!

I went through this exact same confusion last year! Your 1095-C is completely normal and correct. The key thing to understand is that Box 15 shows what you would have paid IF you enrolled, not what you actually paid. Since you opted out, you paid $0, but they're still required to report the hypothetical cost. The disappearing waiver credit is also totally standard - many employers handle it this way instead of showing a deduction and refund cycle on your paystubs. One thing to double-check: look at Box 16 on your 1095-C. It should have codes that indicate you weren't enrolled (common codes are 2H for "no offer of coverage" or 2C for "employee not enrolled"). These codes confirm you didn't have their insurance, which matches what you're saying about opting out. You don't need to do anything special with this form for your taxes - just keep it for your records. As long as you had health coverage from somewhere else (spouse, parent's plan, marketplace, etc.), you're all set!

I had this exact same confusion with my 1095-C last year! After reading through all these helpful explanations, I wanted to add one more tip that really helped me understand: think of the 1095-C as your employer's "report card" to the IRS, not a bill for you. The IRS requires large employers to prove they offered affordable health insurance to their employees (to avoid penalties under the Affordable Care Act). So when your employer reports that $111 monthly cost, they're basically saying "Hey IRS, we offered affordable coverage to this employee" - even though you declined it. The form protects both you and your employer: it shows you had access to employer coverage (important if you ever applied for marketplace subsidies), and it shows your employer met their legal obligation to offer coverage. You're not being charged anything, and there's no action needed on your part. It's one of those government forms that looks scarier than it actually is!

Has anyone tried the IRS's free filing options for this kind of situation? I'm dealing with ISOs too but don't want to pay for TurboTax premium just for this one issue.

I went through this exact same situation two years ago and it was incredibly confusing at first! The key thing to understand is that when you have a disqualifying ISO disposition, you're dealing with two separate tax events that need to be reported correctly to avoid double taxation. Here's what worked for me in TurboTax: 1. First, make sure you have your 1099-B from your broker for the actual stock sale 2. When you enter the stock sale in the investment income section, TurboTax will ask if this was employer stock - answer YES 3. It will then ask if any income was already reported on your W-2 - this is where you answer YES and enter the amount from box 14 (the ISO-DQ amount you mentioned) 4. TurboTax should automatically adjust your cost basis to include both what you originally paid PLUS the amount already taxed as ordinary income The tricky part is that TurboTax sometimes buries these questions deep in the interview process, so if you miss one, it can look like double taxation. If you're still seeing it double-count after going through all the questions, try deleting the stock sale entry and re-entering it more carefully. Also keep that supplemental statement from your employer handy - it's your backup documentation showing exactly what was already included in your W-2 income.

Just a quick tip - the Traditional IRA basis amount carries forward every year on Form 8606. Line 14 from one year becomes the starting point (Line 2) for the next year's form. Always keep copies of your previous 8606 forms or you'll have a nightmare trying to reconstruct your basis if the IRS ever questions it!

This is a great explanation of a really confusing topic! I had a similar recharacterization situation a few years ago and was totally lost until my CPA walked me through it. One thing I'd add for anyone reading this - make sure you understand the pro-rata rule if you have other Traditional IRAs with pre-tax money. The IRS doesn't let you pick and choose which dollars you convert first. If you have $10,000 in Traditional IRAs and $1,000 of that is basis, then any conversion will be 10% tax-free and 90% taxable, regardless of which account the money comes from. Also, keep detailed records of ALL your IRA transactions. I learned the hard way that even small discrepancies in your basis calculations can cause headaches years later when you're trying to figure out what happened.