Identity verification timeframes are much better this year compared to the 2021 and 2022 filing seasons when some people waited 120+ days. Most cases now resolve within 3-4 weeks if there are no other issues with your return. It's like comparing dial-up internet to fiber - the IRS has finally upgraded their verification processing systems.

Have you tried checking your tax transcript online after completing verification? That's often more informative than the WMR tool. Also, did you receive any specific code or confirmation number when you completed your verification that you could reference when calling?

Not to add more stress to your tax season nightmare, but this sounds like a classic APTC reconciliation issue with a twist! 😅 Technically speaking, the marketplace is supposed to issue your 1095-A regardless of payment status - it's actually in their own regulations. The form simply documents what coverage you had and what subsidies were applied. Section 6055 of the ACA specifically requires them to provide this documentation. What might be happening is that you had a Special Enrollment Period (SEP) or a mid-year income change that wasn't properly processed, and now their system is showing an unsubsidized premium amount for part of your coverage period. The $450 could be the unsubsidized portion they believe you owe.

Here's a step-by-step approach that might help resolve your situation: 1. Request a detailed account statement from the Marketplace showing exactly what periods they believe you owe for and why 2. Check if you received any notices about income verification during the year (these often come by mail and email) 3. If you can't get your 1095-A immediately, you can file Form 4868 for an automatic extension to avoid late filing penalties 4. Consider filing a formal appeal with the Marketplace if you believe the determination is incorrect - you have 90 days from the determination to file this appeal 5. If you do owe the money legitimately, ask if they offer payment plans so you can get your 1095-A released while paying off the balance over time 6. Document all communications with representatives (get names, ID numbers, and call reference numbers) I've helped several friends through similar issues, and having organized documentation of all your interactions makes a huge difference in getting resolution.

I had to do an early withdrawal when I was 25 last year because of medical bills. Here's exactly what I did step-by-step: 1. First, I calculated 10% of my withdrawal amount 2. I added that amount to what I expected to owe in regular income tax 3. I made sure my W-4R withholding covered BOTH amounts 4. When tax time came, I filled out Form 5329 5. Because I had withheld enough, I didn't owe anything extra Honestly, I was terrified of messing it up and ending up with a huge tax bill I couldn't pay. The peace of mind from having it all withheld upfront was worth it for me, even though I could have held onto that money for a few more months.

According to Internal Revenue Code Section 72(t), the 10% additional tax on early distributions is reported on Form 5329 when you file your annual return. While there's no specific requirement to pre-pay this penalty, you should be aware that if your total tax liability (including the 10% penalty) exceeds certain thresholds, you may be subject to an underpayment penalty under IRC Section 6654 if you don't make sufficient estimated tax payments throughout the year. For a specific example: if you're withdrawing $20,000 and are in the 22% tax bracket, you'd owe $4,400 in regular income tax plus $2,000 for the 10% penalty. If your withholding only covers the $4,400, you could potentially face underpayment penalties on the $2,000 penalty amount when you file.

I made the mistake of assuming a status change wouldn't affect processing time last year. Changed from HOH to MFJ and my refund took 78 days instead of the usual 14. The IRS verification system has specific triggers for life changes that require manual review in many cases. The system flags address changes combined with status changes as potential indicators of identity verification needs. I would strongly suggest pulling your full tax transcript (not just the account transcript) to check for TC 570 or 971 codes which indicate specific holds. The 0605 alone doesn't tell the whole story.

The community wisdom on this is pretty clear - status changes + address changes often = delays. But there's a silver lining: these verification delays usually don't result in audits or problems, just slower processing. Most people in your situation report receiving their refunds eventually without any action needed. The consensus seems to be that if you're past 45 days, it's worth trying to contact the IRS, but before that, it's normal processing for your specific situation. Hang in there - almost everyone gets their refund by early April even with these delays.

I'm probably in the minority here, but I've been on both sides of Form 8332 (as both custodial and non-custodial parent at different times). In my experience, the medical expense deduction generally follows whoever actually paid the expenses, regardless of the dependency exemption. However, there might be some nuances depending on your specific situation. For example, if you're claiming medical expenses that push you over the 7.5% AGI threshold, it could potentially be more beneficial for the higher-income parent to claim them, assuming both parents contributed to the medical costs. Just something to consider when you're making these arrangements.

Have you considered alternating years? That's what my ex and I do - I take odd years, he takes even years. No Form 8332 needed if you follow the tie-breaker rules and have it specified in your custody agreement. Saves a lot of paperwork and potential disputes. We just make sure our custody agreement clearly states which parent claims the child in which years, and then we each take the exemption, Child Tax Credit, and any medical expenses we personally paid in our designated years. Much simpler than dealing with Form 8332 every year.

I was in exactly your situation on February 12th. Called precisely 14 different IRS numbers with no success. Finally reached someone on my 15th try using 800-829-0582 ext 652. Called at exactly 7:03am ET and waited 42 minutes. The agent confirmed my return was delayed due to a random verification check but nothing was wrong. My refund of $4,327 was deposited exactly 9 days later. Don't give up - persistence pays off!

I'm so relieved to have found this community! The IRS phone system makes me want to scream into a pillow! It feels like they've intentionally created a labyrinth with no exit. I've learned that early morning calls (7-8am ET) work better than afternoon attempts. Also, mid-week (Tuesday-Thursday) tends to have slightly lower call volumes. Hang in there - we're all navigating this frustrating system together! 💪

According to the IRS.gov processing guidelines (https://www.irs.gov/refunds/tax-season-refund-frequently-asked-questions), identity verification cases require additional processing time beyond normal returns. The current published timeframe indicates 3-6 weeks after verification, though many are reporting faster processing. I'm concerned that with the current backlog mentioned in the National Taxpayer Advocate report from April 2024, some verification cases are taking longer than the published guidelines.

Is anyone else noticing that returns with W-2G gambling income seem to trigger these verification letters more often? And why does the IRS send these letters without any warning on the WMR tool? Shouldn't there be some kind of indication that verification is needed before the letter arrives weeks later?

I'm not entirely convinced this is actually an identity verification issue. It might possibly be a more general review or possibly even an audit, which could potentially take much longer. Sometimes the frontline agents don't always have complete information about your specific case. Did they perhaps mention any specific form numbers or possibly give you any specific verification instructions? Without those details, I would be somewhat hesitant to assume it's just standard identity verification.

Trust me, it's definitely identity verification. I've been through this twice now and the pattern is always the same. The IRS has ramped up identity verification since all the pandemic fraud. What's the point of calling if you're not going to believe what the agent tells you? Have you checked your tax transcript to see if there's a 570 freeze code? Did you try the ID verify site yet? The sooner you verify, the sooner your refund processes - especially important with your divorce situation.

Has anyone considered what happens if you use Cash App but don't have your account fully verified? My cousin used Cash App for his refund last year and they actually rejected the deposit because he hadn't completed all the verification steps! The IRS then had to mail a paper check which took an additional 4 weeks. Have you verified your Cash App is set up to receive deposits over $10,000? Do you have your full name matching your tax return?

I've been using Cash App for tax refunds for three years now! Last year my refund had a DDD of April 15th (a Friday) and it didn't show up until Monday morning around 9am. I remember because I was obsessively checking every 30 minutes all weekend! This year I was smarter - my DDD was March 8th (also a Friday) and I just assumed it would come Monday. Sure enough, it did! Cash App processes these deposits in batches, and weekend deposits always roll to Monday in my experience.

Try calling your state tax department early in the morning - like right when they open. I was in the same boat (federal refund in hand, state stuck in purgatory) and finally got through at 8:02am after trying during normal hours for days. Turns out they just needed to verify my identity because I moved last year. Took 5 minutes to fix once I actually talked to someone. The early bird gets the... tax refund? 😏

I had my state return under review for nearly 7 weeks last year while my federal came through in 2 weeks. It's much more common than it used to be. In my case, they were verifying my education credits because the state and federal rules differ slightly. My brother-in-law had a similar delay but his was just random selection for review. Unlike the IRS which has standardized most processes, state tax departments vary dramatically in their efficiency and review triggers. Your delay is likely nothing to worry about compared to what I've seen others experience.