I went through this exact same situation last year and I know how terrifying it is to see your return completely vanish from the system! What you're experiencing is unfortunately totally normal after identity verification - the IRS essentially quarantines your return during the verification process. Here's what helped me get through it: First, stop checking your transcript daily (I know, easier said than done). The constant checking just adds to the anxiety and nothing will change for weeks. Second, make sure you're checking your mail religiously - sometimes they send additional requests that can delay things further if missed. The timeline really is around 8-9 weeks from when you verified, not from when you filed. I verified in late February last year and didn't see any movement until mid-April, then boom - everything updated at once and my refund hit my account within days. The hardest part is the complete lack of communication from the IRS during this process. Your return isn't lost, it's just in a completely separate processing queue that doesn't show up on normal transcripts. Hang in there - you'll get through this!

I'm so sorry you're going through this stress! I went through the exact same thing last year and it's absolutely terrifying when your return just vanishes from the system. The "RETURN NOT PRESENT FOR THIS ACCOUNT" message is like a punch to the gut when you're expecting to see your refund information. What everyone here is telling you is 100% correct - this is unfortunately the "normal" process after identity verification. The IRS completely removes your return from their main system during verification, which is why your transcript looks like you never filed. It's a security measure, but they do a terrible job of explaining this to taxpayers. The 9-week timeline is real, but here's what I learned: it's 9 weeks from when you completed verification, not from when you filed. So if you verified last week, you're looking at potentially early May before you see movement. I know that's not what you want to hear, but at least you can set realistic expectations. One thing that helped me was setting up text alerts for my bank account so I'd know immediately when the refund hit, rather than obsessively checking transcripts. Also, definitely keep an eye on your mail - they sometimes send additional requests that can reset the clock if you miss them. You're not alone in this, and your return isn't lost. It's just in IRS purgatory for a while. Hang in there!

I'm going through the exact same thing right now! SBTPG updated to "funded" around 8am this morning and I've been refreshing my Chase app like it owes me money 😂 From everything I've read here and my own research, the trace number thing is internal - we'll never see it as customers. It's basically just how banks track the transfer on their end. As for timing, it really seems to be a coin flip whether you'll get it today or tomorrow. Chase usually processes ACH transfers pretty quickly, but their same-day cutoff is around 3pm EST. Since it's already past that in most time zones, I'm mentally preparing for tomorrow morning. The waiting game is brutal though, especially when you're relying on gig work income! I've got rent due next week and this refund is literally my lifeline right now. At least knowing that "funded" means the money is actually moving makes me feel a bit better than just staring at "processing" on the IRS site for weeks! Hang in there - based on everyone's experiences here, it sounds like we should definitely see something by tomorrow afternoon at the latest! 🤞

Same exact situation here! SBTPG showed "funded" around 9am this morning and I've been checking my bank account obsessively ever since. 😅 The gig life really makes tax season feel like winning the lottery! From what I've gathered from everyone's experiences, the trace number is definitely just internal banking stuff we can't see. And honestly, it sounds like timing is all over the place - some people get it same day, others wait 24-48 hours after the "funded" status. I'm with Bank of America and their ACH cutoff is usually around 4pm EST, so there's still a slim chance for today, but I'm trying not to get my hopes up. The anxiety of waiting when you're counting on that money for bills and car repairs is no joke! At least knowing that "funded" means the IRS has actually sent the money to SBTPG makes me feel better than just seeing "processing" for weeks. We're in the home stretch now! Based on everyone's timelines here, tomorrow morning seems like the most realistic expectation. Hang in there fellow gig worker - we've made it this far! 🚗💪

To all those having trouble reaching a human at IRS. I just ran across this video that gave me a shortcut to reach a human. Hope it helps! https://youtu.be/_kiP6q8DX5c

Hey Troy! I went through something similar last year. The 811 code basically means they're doing an income verification - they're cross-checking what you reported against W-2s, 1099s, and other third-party documents they have on file. The 420 code is the actual examination/audit code. Having both usually means they found some discrepancies during the automated income matching process and now want to do a more thorough review. In my experience, these combo audits typically take 3-6 months depending on how complex your return is. Make sure you have all your income documentation ready - pay stubs, bank statements, receipts for deductions, etc. The good news is most of these resolve without major issues if your paperwork is in order. Hang in there!

Just wanted to add something important: make sure whatever software you use understands the "Substantial Presence Test" for F1 students! This determines whether you file as a resident or nonresident alien for tax purposes. Generally, F1 students are considered nonresident aliens for the first 5 calendar years in the US, which means you need software that can handle Form 1040-NR, not the regular 1040 that most free software supports. I made this mistake my first year and had to refile everything because I used regular free software that didn't ask about my visa status.

Hey Malik! I totally feel your pain - the tax situation for F1 students is confusing and most of us learn the hard way. Since you're in your second year, you're still considered a nonresident alien for tax purposes, which means you'll need Form 1040-NR instead of the regular 1040. For your situation with just campus employment and a stipend, I'd strongly recommend checking out your university's international student services office first. Many schools have partnerships with tax software companies or offer free VITA services specifically for international students. Michigan has some good programs for this. If you need to go the online route, make sure whatever you use specifically mentions "nonresident alien" or "F1 visa" support - regular free file options won't work for you. Don't forget you'll need to file Form 8843 regardless of your income level, and with your W-2, you'll likely get a refund since they probably over-withheld on your taxes. Also, since you didn't file last year, you might want to consider filing that return too if you had any income - there's no penalty for filing late when you're owed a refund, and you have up to 3 years to claim it!

As someone who's been banking with Navy Federal for several years, I can confirm what others have said - they're pretty reliable about releasing tax refunds early! With your DD date of 4/24, you should see it hit your account on 4/22 or 4/23. Since this is your first time filing, here's a pro tip: set up mobile notifications for deposits if you haven't already. That way you'll get alerted as soon as it posts instead of constantly checking the app. Navy Federal has always been good to me with government payments - they understand military families often need that money ASAP. Good luck with your first refund!

I've been with Navy Federal for about 3 years and can definitely confirm they're reliable with early tax refund deposits! With your DD date of 4/24, you should expect to see it in your account on 4/22 or 4/23. Since you mentioned this is your first time filing, here are a few things that helped me when I was new to this: • Check the "Pending Transactions" section in your NFCU app starting around 4/21 • Refunds typically post between midnight and early morning (around 3-6 AM EST) • Don't panic if it doesn't show exactly 48 hours early - sometimes it's just 24 hours • Make sure your account info matches exactly what you put on your tax return The waiting is always the hardest part, but Navy Federal has been consistently good about getting government payments to members quickly. You should be all set!