I'm not entirely sure about this, but I believe you might have a small window of opportunity to address this... I had a somewhat similar situation in 2022, and I think you should be careful about timing. If your 2023 refund is already being processed, it might be too late to prevent the offset. The IRS systems typically check for outstanding liabilities right before issuing refunds, and once that process starts, it's very difficult to stop. You might want to consider calling them immediately to discuss your options, though I worry you might not reach someone in time.

Have you considered all your options here? The offset is automatic, but you do have choices for handling the remaining balance. Would a payment plan work better for your situation? Could you request an audit reconsideration if you believe the assessment is incorrect? Did you know you can request abatement of penalties (though not the tax itself) if you have reasonable cause? Many retirees qualify for first-time penalty abatement if they've had a good compliance history. The community wisdom here is to be proactive - contact them before they contact you, and always get any agreements in writing.

I work in financial technology, and I can tell you from personal experience that Venmo processes ACH deposits differently than traditional banks. Last year, my DDD was February 18th, and I received my refund at 3:42pm that day. My colleague who used a traditional bank received hers at 9:15am. Venmo batches their ACH processing in the afternoon, typically between 1-5pm Eastern. They also have additional fraud verification steps for government deposits over certain thresholds. This is actually a good thing - they're protecting your account - but it can delay access by several hours compared to traditional banks. If you don't see anything by 6pm Eastern on your DDD, then I'd start investigating.

BE CAREFUL with using Venmo for tax refunds! I've seen numerous issues: • Venmo sometimes flags large government deposits as suspicious • Their customer service is nearly impossible to reach if there's a problem • Some users have had accounts temporarily frozen after receiving tax refunds • Venmo is not a bank and doesn't offer the same protections • If there's an issue with your deposit, resolving it takes much longer than with traditional banks Last year, my refund was held for "review" for 9 days before being released. The IRS confirmed they sent it, but Venmo's fraud department had flagged it. I couldn't reach anyone helpful at Venmo during that time. Never again!

Have you checked your account transcript instead of just WMR? Many people don't realize the transcript updates first. My timeline this year: Filed Jan 25 with TT, accepted same day, transcript showed 846 code on Feb 15, Chime deposit hit Feb 20 (DDD was Feb 22). Why does this matter? Because the transcript is the actual IRS record, while WMR is just a simplified interface that updates more slowly. Check your transcript daily after 3am EST when the system updates.

I filed with TurboTax but use a credit union instead of Chime. My DDD is also 2/22. Last year I had to wait until exactly the DDD date while my friend with Chime got it 2 days early. Has anyone compared multiple banks to see which ones consistently release funds early vs. which ones hold until the exact date?

The offset process follows a specific timeline that explains your situation perfectly. When the IRS issues a refund with code 846, they send the full amount to the Bureau of Fiscal Service exactly 3-5 business days before your DDD. The BFS then checks the Treasury Offset Program database and processes any required offsets, typically taking 1-2 days. This means you'll receive the reduced amount (original refund minus support obligations) on your scheduled deposit date. The notice explaining the offset is mailed separately and usually arrives 7-10 days after the deposit. This timing gap is completely normal and affects approximately 3.2 million taxpayers annually who have various types of offsets.

Have you considered what might happen if you make financial plans based on receiving the full amount? The transcript shows what the IRS has approved, but have you verified what will actually reach your bank account? Many taxpayers are surprised when their deposit is smaller than expected due to this exact situation. Could you contact your state's child support enforcement agency directly to confirm the offset amount? They often have this information before it appears in any federal system and might give you a more accurate picture of what to expect.

Been thru this exact nightmare last yr. Called TOP at 800-304-3107 first to confirm which agency got the $. Then called Dept of Ed at 800-621-3115 for the hardship form. Sent in lease + utility shutoff notice + bank stmt showing <$200 balance. Got approved in 17 days. Key thing was proving immediate need vs just wanting the $. Had to show actual eviction risk, not just moving plans. Def worth trying tho! And btw, they can expedite for mil families - make sure to mention that status repeatedly!

According to 31 U.S.C. § 3720D and the implementing regulations at 31 CFR § 285.5(d)(6)(ii), the creditor agency MUST send notice at least 60 days before the offset occurs. This notice requirement is not waivable except in very limited circumstances outlined in subsection (iii) of the same regulation. I'm surprised more people don't challenge offsets on procedural grounds! If you can prove you didn't receive proper notice (by showing all mail received in the relevant timeframe), you have a strong case for immediate reversal while they investigate the notification failure. The Taxpayer Advocate Service can also assist with this specific issue as it represents a significant financial hardship combined with a procedural error by the agency. I never realized how complex this system was until I went through it myself!

I had this exact situation on February 18th, 2023. My transcript showed the 846 code dated 2/23/2023, but WMR was stuck on processing. The money hit my account precisely on 2/23/2023 at 3:17am, but WMR didn't update until February 25th. Then on January 29th, 2024, I had the same thing happen with my early filing - 846 code appeared with a 2/3/2024 date, money arrived on 2/3, but WMR took until 2/7 to update. The transcript dates are incredibly reliable in my experience!

Instead of relying on WMR, have you tried using the IRS2Go app? Sometimes it updates faster than the website version of Where's My Refund. Also, if you haven't already, set up direct deposit alerts with your bank so you get notified immediately when the deposit hits. That way you don't have to keep checking multiple systems.

I filed exactly 52 days ago on January 26th and just got my refund yesterday. Here's the exact timeline: - Filed and accepted: January 26th - Transcript showed processing: February 9th (14 days later) - Got a 570 code: February 16th (21 days after filing) - 571 code appeared: March 7th (40 days after filing) - 846 code with direct deposit date: March 12th (45 days after filing) - Money in account: March 18th (51 days after filing) My return included both Child Tax Credit and some self-employment income, which definitely slowed things down. Based on patterns I've observed, simple W-2 only returns are processing in about 14-21 days right now.

NGL, last yr was a nightmare for me. Filed Feb 1, didn't get $ until MAY 😩 Turns out there was an ID verification issue but the IRS never sent a letter! I kept checking WMR and it just said "still processing" for 3 months. Finally called and spent 2hrs on hold only to find out I needed to verify on ID.me. Fixed it in 10min and had my refund 2wks later. Moral of the story: if it's been >30 days w/no movement, something's prob wrong and waiting longer won't fix it. Be proactive!

Important timeline info for everyone: The IRS has specific cut-off dates for changing direct deposit information. For 2024 tax returns, you cannot modify direct deposit details after your return has been accepted. Your options now are: 1. Wait for the automatic paper check (4-6 weeks after rejection) 2. Request a payment trace if 5 weeks have passed since your refund date 3. Update your address with USPS if you've moved The IRS never contacts taxpayers via email or phone about rejected deposits - they only communicate through official mail.

Just to clarify for everyone - "Santa Barbara" in the OP's question refers to Santa Barbara Tax Products Group, which handles the refund transfers for Credit Karma Tax (now Cash App Tax). They're the intermediary between the IRS and your account. If your Credit Karma account closed, Santa Barbara will reject the deposit and the IRS will mail a paper check. This is different from regular bank accounts where sometimes the bank will accept the deposit even if the account is closed and then mail you a check themselves.

This is a warning sign. Something's not right. I've seen this before. The systems are out of sync. Could indicate identity verification needed. Check your mail carefully. IRS sends paper notices. They won't email you. Don't ignore any letters. Response deadlines are strict. Missing them causes bigger delays. Happened to me last year. Simple issue became six-month ordeal. Keep checking transcript daily. Call if nothing changes in 10 days.

I was in the same boat, like a ship waiting for wind while the radar shows nothing. Filed on February 10th, WMR showed processing but transcript was empty as a politician's promise. Then suddenly on March 18th, everything appeared at once - like finding your lost keys that were in your pocket all along. Deposit hit my account 3 days later. Sometimes the IRS systems are just playing catch-up, especially when they're swimming in the sea of early filers.

For those concerned about cycle code 0702, I wanted to share some additional information that might help ease some anxiety: The IRS processing system groups returns into weekly and daily processing cycles. Cycle code 0702 is a weekly cycle that processes on Thursdays. The first two digits (07) indicate the year (2024/2025 tax season), and the last two digits (02) indicate the day of the week (Thursday). There's been a significant increase in processing times this year, especially for returns with business income, itemized deductions, or certain credits. The IRS has acknowledged staffing shortages in several processing centers, which has contributed to delays. If your transcript shows cycle code 0702 but no DDD yet, you're likely in the queue for processing, but haven't been assigned to the final processing stage. Keep checking your transcript on Friday mornings for updates.

Cycle 0702 here. Filed Feb 1. Got DDD yesterday. Nine weeks total. Never saw any 570 codes. Just straight to 846 code with deposit date. No rhyme or reason to it. Just wait.