Called the IRS yesterday and got hung up on 3 times lmaooo we love to see it 🤮

mine switched from still processing to processing after 8 weeks and got my ddd 2 days later! there is hope yall!!

Pro tip: sign up for informed delivery with USPS so you know when its coming

Just went through this last year - can confirm it's always a paper check for 1040X refunds. The IRS systems don't link your amended return to your original direct deposit info for security reasons. Since you mentioned it's a big amount, definitely set up that USPS Informed Delivery like Axel suggested. Also keep checking "Where's My Amended Return" on the IRS website for status updates. The wait is painful but hang in there!

Pro tip: In the future, NEVER have your fees taken out of your refund! Always pay upfront with a credit card. When you choose to have fees deducted from your refund, your money goes through a third-party bank that charges additional fees and creates opportunities for "errors" like this. If you pay the tax prep fee directly, your refund comes straight from the IRS to your bank account with no middleman.

This is exactly why I switched to filing directly through the IRS Free File program last year. No middleman, no hidden fees, and your refund goes straight from the IRS to your bank account. I was tired of these tax prep companies finding creative ways to skim extra money. For your situation, definitely get your IRS transcript and document everything. The transcript will show exactly what the IRS sent and when. If there's a discrepancy between what they sent and what you received, you have TurboTax dead to rights. Don't let them drag this out - escalate immediately and threaten to file complaints with the CFPB and your state's attorney general if they don't resolve it within a week. These companies count on people not checking their math or giving up when they encounter resistance. Stay persistent!

I completely understand your frustration - waiting for money you desperately need while getting vague status updates is incredibly stressful! Based on what others have shared here, it sounds like there are several potential causes for this delay. Since you mentioned medical expenses due by month-end, I'd recommend taking a multi-pronged approach: 1) Call your bank's ACH or fraud department specifically (not general customer service) to ask if they've received or rejected any government deposits, 2) Check your tax transcript at irs.gov for any codes that might explain the delay, and 3) If possible, verify that your legal name on your tax return exactly matches your bank account registration. Many people have reported that even small discrepancies (like middle initial differences) can cause deposits to get stuck in verification limbo for days. Given your time constraint, it might also be worth exploring the callback services mentioned here if you need to speak with the IRS directly. Hoping this resolves quickly for you!

I went through this exact same nightmare two years ago! My refund showed as deposited on a Friday but didn't appear until the following Wednesday - turned out my credit union had an internal policy of manually reviewing any government deposits over $5,000 for fraud prevention, but they don't show these reviews as "pending" in your account. The most frustrating part was that their regular customer service had no visibility into this process - I had to specifically ask to speak with their ACH processing department to find out what was happening. Once I knew it was just under review and not lost, the anxiety decreased significantly. In your case with medical expenses due soon, I'd definitely recommend calling your bank's ACH department first thing Monday morning and asking specifically about government deposit reviews. If they say there's nothing, then pull your transcript to check for any IRS codes that might explain the delay. The waiting is awful when you need the money, but in most cases it does eventually appear!

I went through this exact same situation last year with my Shareworks ESPP account! The key thing that helped me figure it out was looking at my actual account statements more carefully. In the fine print of my quarterly statements, I found language that specifically mentioned "Morgan Stanley Smith Barney LLC" as the custodian, which is clearly a US entity. Even though the mailing address and some correspondence showed Canadian addresses, the actual legal entity holding my shares was US-based. You can also check your account opening documents or look in the "Important Disclosures" section of your online account. There should be clear language about which Morgan Stanley entity is your account custodian. If it says something like "Morgan Stanley Smith Barney LLC" or another US LLC/Corp designation, you're dealing with a US account and no FBAR required. If you're still not 100% sure after checking these documents, definitely call their customer service line and ask them directly to confirm which legal entity is the custodian of your account. They should be able to give you a definitive answer. Better to spend 20 minutes on the phone than worry about potential FBAR penalties!

I've been dealing with this exact Shareworks/FBAR question for months and finally got clarity from my CPA. The bottom line is that most Shareworks ESPP accounts maintained through Morgan Stanley are actually US accounts, even with the Canadian address confusion. Here's what I learned: When Solium was acquired by Morgan Stanley, most existing US participant accounts were transferred to Morgan Stanley Smith Barney LLC, which is a US entity. However, some accounts might still be held by Morgan Stanley Canada depending on when your account was established and your company's specific arrangement. The easiest way to determine this is to log into your Shareworks account online and look for the "Account Details" or "Legal Information" section. It should clearly state which Morgan Stanley entity is the custodian. If it shows any US LLC or Corp designation, you're dealing with a domestic account and no FBAR is required. One thing to be careful about - even if you determine no FBAR is needed now, keep monitoring this if Morgan Stanley makes any changes to how they hold accounts in the future. Corporate restructuring can sometimes change the legal status of where accounts are maintained. Also worth noting: the $10,000 FBAR threshold is based on the highest balance at any point during the year, not just year-end balance. So if your account briefly hit $10,001 in March but was back down to $8,000 by December, you'd still need to file if it were indeed a foreign account.