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This is exactly what happened to me! I've been dealing with SBTPG holding my $2,400 refund since March. They keep saying they returned it to the IRS, but when I finally got through to an IRS agent (after waiting 3 hours on hold), they confirmed there's no record of SBTPG returning anything. What really got me was when I asked SBTPG for proof they returned my refund - like a transaction ID or confirmation number - they couldn't provide any documentation. Just kept repeating the same script about "processing delays" and "10-12 weeks." I'm definitely going to try filing that CFPB complaint and the Form 3911 refund trace. It's ridiculous that we have to jump through all these hoops when they're clearly just sitting on our money. Thanks for posting this - at least now I know I'm not going crazy and this is happening to tons of people!
Carmen, you're definitely not going crazy! The fact that they can't provide any proof of returning your refund is a huge red flag. When legitimate returns happen, there are always transaction records and confirmation numbers - the fact that SBTPG can't produce any documentation suggests they never actually returned it. I'd also recommend documenting everything - dates of calls, representative names if you got them, reference numbers, etc. When you file that CFPB complaint, having a detailed timeline really strengthens your case. Also, if you have any written communication from SBTPG (emails, letters, etc.) claiming they returned your refund, definitely include those as evidence of their false statements. It's infuriating that we have to become amateur investigators just to get our own tax refunds, but unfortunately that seems to be what it takes with SBTPG. Keep fighting for your money - you shouldn't have to wait indefinitely for what's rightfully yours!
I'm dealing with the exact same situation! SBTPG has been holding my $1,850 refund since mid-March, claiming they returned it to the IRS due to "account verification issues." But when I called the IRS three different times, each representative told me they have no record of receiving my refund back from TPG. What's really frustrating is that SBTPG already deducted their fees AND my tax prep fees before this alleged "return" happened. So they got paid, but I'm left empty-handed. When I ask them for documentation proving they returned my refund, they just give me the runaround and say to "monitor my mailbox for a paper check from the IRS." I'm definitely going to file that CFPB complaint and Form 3911 based on the advice here. This whole situation feels like organized theft - they're collecting interest on thousands of people's refunds while giving everyone the same bogus story. Thank you all for sharing your experiences and solutions. At least now I have a plan of action instead of just calling the same useless phone numbers over and over!
Logan, I feel your pain! The fact that they took their fees but are now claiming they "returned" your refund is absolutely infuriating. That alone should be enough evidence for your CFPB complaint - how can they justify keeping their processing fees if they allegedly had to return the entire refund due to verification issues? When you file Form 3911, make sure to specifically mention that SBTPG deducted fees before claiming to return the refund. That creates a clear paper trail showing they processed your refund successfully initially, which contradicts their story about verification problems. Also, keep calling that IRS number and ask each representative to make a note in your account that you've confirmed multiple times they haven't received your refund back from TPG. The more documentation you can build showing the contradictions in SBTPG's story, the stronger your case will be. Don't let them wear you down with their scripted responses - your money is out there somewhere and you deserve answers!
This thread has been incredibly helpful! I'm dealing with a similar situation - helping my elderly aunt with her taxes while she's dealing with some health issues. Based on everyone's insights, I'm going to stop my random daily checking and switch to the Saturday morning approach around 6-8 AM ET. One question for the group: has anyone noticed if there are certain types of returns that tend to update on different days? My aunt has a pretty simple return (just Social Security and a small pension), but I'm wondering if different return types follow different update patterns within that Saturday morning cycle. Also, thank you to everyone who shared the tip about transcripts being more detailed than WMR - I had no idea they were pulling from different systems! This community is amazing for breaking down all these IRS processes that seem so mysterious when you're dealing with them alone. π
Great question about different return types! From what I've observed helping friends and family over the years, simple returns like your aunt's (Social Security + pension) actually tend to process pretty smoothly and follow the standard Saturday morning update pattern. The complexity usually comes with returns that have business income, multiple W-2s, or certain credits that require additional verification. Since your aunt's return sounds straightforward, I'd expect it to follow the typical Saturday morning update cycle that everyone's been discussing. The 6-8 AM ET timing that @Ryder Greene mentioned should work perfectly for checking her status. It s'so nice to see people helping their elderly family members navigate this stuff - it can be really overwhelming when you re'dealing with health issues on top of tax anxiety. The Saturday morning routine will definitely be less stressful than daily checking! Hope your aunt is doing well with her health situation. π
This has been such an educational thread! I'm also managing tax stuff for my mom while she recovers from surgery, and I had no idea there was an actual science to when the IRS updates their systems. I've been checking WMR obsessively every day (sometimes multiple times) and feeling frustrated when nothing changes. Based on everyone's advice here, I'm switching to: - Saturday mornings 6-8 AM ET for transcript checks - Friday mornings for WMR - Maybe one mid-week transcript check (Tuesday/Wednesday) The tip about transcripts being more detailed than WMR is huge - I always thought they showed the same info! And knowing that Saturday morning updates happen about 80% of the time gives me so much more confidence in this approach. Thanks to everyone who shared their experiences and tracking data. It's amazing how much less stressful this becomes when you understand there's actually a pattern instead of just hoping for random updates. Really appreciate this community! Hope all your refunds come through soon, and sending good thoughts to everyone else caring for family members right now. π
This schedule approach is going to be such a game-changer! I've been in the same boat - constantly refreshing WMR throughout the day and getting nowhere. It's really reassuring to see so many people in similar situations (caring for family members during recovery) and how they've found a systematic way to handle the IRS checking without the stress. Your three-point schedule looks perfect, and I'm definitely going to adopt the same approach. The Saturday 6-8 AM transcript check seems to be the golden window that everyone's mentioning. It's wild how much more organized this feels compared to my random panic-checking! Also really appreciate you mentioning the transcript vs WMR difference - I had no clue they were separate systems either. This whole thread has been like a masterclass in IRS update schedules that I never knew I needed. Sending good vibes for your mom's recovery and hoping both our refunds show up in those Saturday morning checks soon! π€β¨
Don't forget that the IRS has been seriously backed up since the pandemic. Even if you did need to amend (which sounds like you don't based on your situation), they're taking FOREVER to process amended returns. My brother amended his 2022 taxes in May 2023 and didn't get his refund until February 2024!
This is so true! I filed an amended return last year and the "Where's My Amended Return" tool just showed "processing" for 9 months straight. The IRS is completely overloaded.
I had almost the exact same panic attack last year! Got my 1095-C forms weeks after filing and thought I was going to jail or something. Turns out these forms are mainly for YOUR records to prove you had qualifying health coverage. The key thing is whether you answered the health insurance questions correctly when you filed. If you checked "yes" that you had employer-provided health insurance for the months you worked at those companies, then you're totally fine. The 1095 forms are just documentation backing up what you already reported. I'd suggest logging into whatever tax software you used and looking at your filed return. There should be a section about health insurance coverage where you indicated whether you had qualifying coverage each month. If that matches what these 1095 forms show, you can just file them away with your tax records and stop worrying! The only time you'd need to amend is if you incorrectly reported your coverage status or if you claimed exemptions/credits related to not having insurance when these forms prove you actually did have coverage.
This is so reassuring to hear from someone who went through the same thing! I was literally imagining worst-case scenarios about penalties and audits. Your explanation about just needing to check if I reported my coverage correctly makes perfect sense. I'm definitely going to log back into my tax software tonight and review exactly what I put down for the health insurance questions. It's such a relief to know that these forms are mainly just backup documentation rather than something I was supposed to include with my filing. Thank you for sharing your experience - it really helps calm my nerves about this whole situation!
My small business return was accepted on January 29th, 2024. Transcript updated with 570 code on February 12th. Then showed 571 code on February 19th. Got 846 code on February 23rd with February 28th deposit date. But the money hit my account on February 23rd - same day as the transcript update! Just like yours! My WMR still shows processing even though I already have the money. This is definitely a new pattern for 2024 filing season.
This is really encouraging to hear! I filed my LLC return on 2/3 and have been anxiously waiting since my transcript still shows "N/A" for 2024. Based on your timeline and what others are sharing, it sounds like the IRS might actually be processing business returns much more efficiently this year. The fact that your deposit hit the same day as the transcript update is incredible - that never happened in previous years. I'm going to stop obsessing over WMR and just wait for my transcript to update. Thanks for sharing the detailed timeline, it really helps set expectations for those of us still waiting!
I'm in a similar boat - filed my single-member LLC return on 2/8 and transcript still shows N/A. After reading all these experiences, I'm feeling more optimistic! It's really helpful to see the actual timelines people are experiencing versus what the IRS tools are showing. The disconnect between WMR and actual processing seems to be the new normal. I'm going to try checking my transcript daily instead of relying on WMR. Has anyone noticed if there's a particular day of the week when transcripts tend to update with the 846 codes?
Harper Hill
I've been following this thread and wanted to add a few practical tips from my own F1-to-H1B experience that might help: 1. **Document everything**: Keep copies of your I-20, I-94 records, H1B approval notice, and paystubs from both periods. The IRS may ask for proof of your status change dates. 2. **FICA refund possibility**: While others mentioned you can't get FICA refunds for H1B period taxes, double-check if your employer incorrectly withheld FICA during any "cap-gap" period when you might have still been on F1 status. I recovered about $400 this way. 3. **State taxes**: Don't forget that state tax rules might be completely different from federal rules. Some states don't follow the substantial presence test at all and have their own residency criteria. 4. **Professional help**: Given all the complexity discussed here (dual-status filing, first year choice election, treaty considerations), it might be worth paying for a tax professional who specializes in nonresident/visa issues, especially for your first year with this situation. The cost often pays for itself through proper optimization and avoiding errors. The good news is that once you understand the process for your first dual-status year, future years become much more straightforward!
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Malik Thomas
β’This is really comprehensive advice! I'm just starting to navigate this whole process and feeling pretty overwhelmed. The point about state taxes is something I hadn't even considered - I'm in California and now I'm wondering if they have completely different rules for determining residency. Also, when you mention getting professional help, do you have any recommendations for finding tax professionals who actually understand these visa status situations? I've called a few local CPAs and they seem just as confused as I am about the F1-to-H1B transition rules. It feels like this is pretty specialized knowledge that not all tax preparers have. One more question - you mentioned the "cap-gap" period. I think I might have been in that situation for a few weeks between my F1 expiration and H1B start date. How do I figure out if FICA was incorrectly withheld during that time? Would it show up differently on my paystubs?
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Mia Rodriguez
β’@Malik Thomas For California specifically, they generally follow federal tax residency rules, but you re'right to check since some states are different. California uses the substantial presence test similar to federal, so your situation should align. For finding qualified tax professionals, look for CPAs or EAs Enrolled (Agents who) specifically mention international tax or nonresident services on their websites. The American Institute of CPAs has a directory where you can filter by specialization. Also try searching for international "tax CPA +" your city - these professionals typically understand visa status complexities much better than general practitioners. For the cap-gap FICA issue, check your paystubs carefully during that transition period. If you were still on F1 status even (in cap-gap and) your employer withheld Social Security/Medicare taxes, those amounts should show up as OASDI "and" Medicare "deductions" on your paystub. Your HR department should also have records of your exact work authorization status during that period. If there was incorrect withholding, you d'typically request a refund using Form 843 along with documentation proving your F1 status during those dates. The key is proving you were still on F1 during any period when FICA was withheld - your I-94 records and employer s'I-9 documentation can help establish this timeline.
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Ana ErdoΔan
This is such a helpful thread! I'm actually in a very similar situation - switched from F1 to H1B in September and have been stressing about tax filing season. One thing I wanted to add that hasn't been mentioned yet: if you received any stipends or assistantship payments during your F1 period, make sure you understand how those are treated differently from regular wages. During my F1 time, I had a research assistantship that was reported on Form 1042-S rather than W-2, and this income has special tax treaty considerations that don't apply to my H1B wages. Also, for anyone else reading this who might have the same confusion - I found that keeping a simple spreadsheet with dates, visa status, and income sources for each period of the year really helped when I finally sat down to tackle the tax forms. It makes the dual-status filing much less intimidating when you have everything organized clearly. Thanks to everyone who shared their experiences and resources here. This community has been incredibly valuable for navigating these complex situations!
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