Is anyone using tax software for this? I tried entering my recharacterization in TurboTax and it doesn't seem to have a clear place to enter this information. It keeps calculating tax on the full conversion amount rather than just the earnings.

I actually went through this exact same situation two years ago and want to emphasize something that might save you headaches later. When you do your backdoor Roth conversion after the recharacterization, make sure your Traditional IRA account is completely empty before the end of the tax year if possible. The reason is the pro-rata rule - if you have any other Traditional IRA money (like old 401k rollovers), it complicates the tax calculation for your backdoor conversion. The IRS looks at all your Traditional IRA balances combined when determining how much of your conversion is taxable. Also, keep really good records of all these transactions with dates and amounts. I had to provide documentation to my tax preparer showing the timeline: original Roth contribution → recharacterization to Traditional → conversion back to Roth. Having clear records made the whole process much smoother and gave me confidence that everything was reported correctly.

Great to see you got it resolved! For anyone else still struggling with IND-032-04 errors, here's a quick checklist based on what worked in this thread: 1. Check your account transcript (not just return transcript) for any IRS adjustments made after filing 2. Use whole dollar amounts only (no cents) when entering AGI 3. Verify you're using line 11 from Form 1040 for AGI 4. Double-check name formatting matches exactly how it appeared on last year's return 5. Try the $0 workaround for spouse AGI if other methods fail The account transcript tip seems to be the most overlooked solution - adjustments made months after filing can change your AGI in the IRS system without updating your original documents. Always worth checking before trying more complex troubleshooting methods.

This is such a helpful thread! I'm dealing with a similar situation right now and was about to give up on e-filing. The account transcript tip is brilliant - I had no idea there was a difference between return transcript and account transcript. I just checked my account transcript and sure enough, there was a small adjustment made in September that I completely forgot about. It changed our AGI by $89. Going to try using that adjusted number now instead of what's on my original return. It's really frustrating that the IRS doesn't send any notification when they make these post-filing adjustments that affect future e-filing. You'd think they'd at least send a letter or update your online account with a notice that your AGI for verification purposes has changed. Will report back if this fixes my IND-032-04 error!

If you're still having problems, try filing with a different tax software. I switched from TaxAct to FreeTaxUSA after having similar rejection issues and it worked immediately. Sometimes different tax programs handle the verification process slightly differently.

I went through this exact same nightmare last year! After getting rejected multiple times with IND-031-04, I discovered the issue was that the IRS had made an automatic adjustment to my return that I never knew about. Here's what worked for me: I called the IRS Practitioner Priority Service line (though I'm not a practitioner, they sometimes transfer regular taxpayers). The agent told me that when you get remarried, sometimes the IRS systems take time to sync up all the name/SSN changes, which can cause verification issues even when your AGI is correct. In your case, since you mentioned getting remarried, try using your maiden name exactly as it appeared on last year's return when entering your information, even if you've legally changed it since then. The IRS verification system might still be looking for the old name-SSN combination. Also, double-check that you're not accidentally including any estimated tax payments or withholding amounts in your AGI figure - it should be just the bottom line AGI from last year's Form 1040, line 11. If none of that works, definitely get that transcript. It's frustrating but it's the only way to see exactly what the IRS has on file versus what you think you filed.

Has anyone actually tried to submit an amendment past the 3 years just to see what happens? I'm curious if they automatically reject it or if there's some review process where they might consider special circumstances.

I'm sorry to say this, but based on everything discussed here, your mother is unfortunately outside the refund window for her 2018 medical expenses. The 3-year statute ran out in April 2022 (assuming she filed by the original due date in 2019). However, don't give up entirely on tax savings! A few things to consider: 1. **Future planning**: Make sure you're tracking all her ongoing medical expenses for current and future tax years. If she's still having significant medical costs, you don't want to miss them again. 2. **State taxes**: Some states have different amendment periods than federal. It might be worth checking if your state allows longer amendment windows. 3. **Other missed deductions**: While you're reviewing her situation, check if there are any other deductions or credits from more recent years (2021-2024) that might have been missed and are still within the amendment window. The $12K potential refund stings, but unfortunately the IRS is extremely rigid about these deadlines. Even filing the amendment now would likely just result in a rejection letter citing the statute of limitations. Better to focus that energy on making sure nothing gets missed going forward.

I've been through this exact same nightmare! Filed in March and didn't get my refund until July. The "still processing" message on WMR is basically code for "we need something from you but we're not going to tell you what it is clearly." In my case, it turned out they flagged my return for manual review because I had some freelance income that didn't match their records perfectly. No letter, no notification - just months of waiting and checking WMR obsessively. Here's what I wish I had done sooner: Get your Account Transcript from the IRS website (irs.gov/individuals/get-transcript). It shows way more detail than WMR about what's actually happening with your return. Look for any codes like 570 (additional account action pending) or 971 (notice issued). Also, try calling the Taxpayer Advocate Service at 877-777-4778 if you've been waiting more than 21 days past the original processing timeframe. They can sometimes help cut through the bureaucracy when regular IRS customer service can't. Don't panic - it's frustrating but you will get your refund eventually. The IRS is just incredibly slow and bad at communication this year.

I'm going through the exact same thing right now! Filed in March and it's been stuck on "Return Received" since then. The frustration is real - I've been checking WMR almost daily and it never changes. After reading through everyone's experiences here, it sounds like identity verification is the most likely culprit. I'm definitely going to call that 800-830-5084 number that StarStrider mentioned and check my mail more carefully for any IRS letters. It's honestly ridiculous that we have to become detectives just to figure out what's happening with our own tax returns. The WMR tool is basically useless - "still processing" could mean literally anything. At least now I know I'm not alone in this nightmare! Thanks everyone for sharing your experiences and tips. Going to try getting my account transcript too and see if that shows more details than the worthless WMR status page.