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Here's what's happening with your return based on my experience working with clients in similar situations: Step 1: Your return gets flagged for verification because unemployment income has been targeted for additional review this year. Step 2: The Error Resolution department compares your reported unemployment with what they received from state agencies (Form 1099-G data). Step 3: If they match, your return continues processing automatically without any action needed from you (about 80% of cases). Step 4: If there's a discrepancy, you'll receive a notice requesting clarification (about 20% of cases). Step 5: Once verified, your return completes processing and proceeds to refund issuance if applicable. The whole process typically takes 2-4 weeks from when it enters the errors department.
Success story here! My return was in the errors department for EXACTLY the same reason. β’ Filed on February 2nd with unemployment income reported β’ Return went to errors department around February 15th β’ No communication from IRS during this time β’ Transcript updated on March 9th showing processing complete β’ Refund deposited on March 14th The key is patience. They're just verifying the information against state records. Unless they contact you specifically asking for something, there's nothing you need to do except wait.
Be very careful with Republic Bank TPG processing! Last year my refund got stuck in their system for THREE WEEKS after the IRS released it. The IRS transcript showed "refund issued" but Republic claimed they never received it. Had to file a Case Inquiry Form with their Resolution Department using specific ACH trace numbers from the IRS. The issue was their internal Refund Clearing System (RCS) had flagged my account for "verification" but never actually reviewed it. Make sure you monitor both your IRS transcript AND Republic's portal.
April 15th is coming up fast - should I be worried about penalties if this delay continues? My return was accepted according to TurboTax on February 4th, but nothing has updated since.
8d
I had almost the EXACT same experience! Did you have to keep calling them? My bank shows nothing pending and I'm getting desperate. How long after you filed the Case Inquiry Form did it take to resolve?
7d
Did you opt for fees taken from refund? That matters. Creates extra steps. Republic holds funds longer. Different processing path. Worth checking.
I had this exact situation last tax season. Here's what worked for me: β’ Created an IRS online account β’ Downloaded both the Return Transcript and Record of Account β’ Sent both to my lender β’ Explained that my preparer was unresponsive β’ Signed an affidavit confirming the transcript matched my return Most lenders have a process for this exact situation. They deal with it all the time.
Can you clarify what the affidavit looked like? Did your lender provide the form or did you have to create one?
9d
When I was in this situation, my credit union actually had their own form ready to go. They called it a "Transcript Verification Statement" and I just had to sign it confirming the information matched what was on my filed return.
8d
I actually went through this nightmare scenario last summer! My tax guy suddenly closed his practice and I needed my returns for a business loan. I spent hours researching and found that creating an IRS online account was the fastest solution. The verification process was frustrating though - they kept rejecting my mobile phone for the verification step because it was a business line. Finally got in using my personal cell instead. The transcripts worked for my lender, but they initially pushed back saying they needed the "actual return" until I showed them that the transcripts came directly from the IRS.
Did you have to provide any additional documentation along with the transcripts to satisfy your lender? My mortgage broker is being really strict about needing the "full tax return with all schedules."
10d
I've seen this exact scenario dozens of times in past tax seasons. The reduction is almost certainly an offset for some debt you may not even know about. Last year when this happened to me, I tried calling IRS directly for three days straight and couldn't get through. I finally used Claimyr (https://youtu.be/_kiP6q8DX5c) and got connected to an agent in 45 minutes who explained everything. They confirmed it was a student loan offset I wasn't aware of and helped me understand the appeal process. Definitely worth it instead of waiting on hold for hours.
I'm not sure about paying for something like this... couldn't you just keep calling the IRS yourself? I'm hesitant to use services when the government should be providing this information for free.
8d
Be extremely careful with this situation. According to Treasury Regulation Β§301.6402-6, you have only 60 days to contest an offset from the date of the notice (not from when you discovered the reduced refund). I failed to act quickly enough last year and lost my appeal rights. The BFS (Bureau of Fiscal Service) is very strict about deadlines even if you never received the notice. Document everything, including when you first discovered the reduced amount.
Check Publication 501. It explains dependency tests. Keep good records. Document who paid what. Save receipts for major expenses. Have your partner save proof too. Better safe than sorry. The support test is what matters most here.
Thank you for pointing to the specific publication. I'm always cautious about tax matters and want to make sure we're doing everything by the book. Will definitely look up Publication 501.
10d
Just to clarify something important - are you and your partner legally married? Because that would change everything about this situation. If you're married, you cannot be claimed as a dependent by your spouse - you'd need to file either jointly or married filing separately. But if you're not legally married and just partners/roommates, then all the dependency tests others mentioned would apply. Can you clarify your relationship status for more accurate advice?
Don't risk it. IRS will catch it. Automated systems match all W2s. Need to talk to IRS about past issues? Use Claimyr. Got through in 15 minutes. https://youtu.be/_kiP6q8DX5c. Regular wait times are 2+ hours. Agent explained my options clearly. Worth it if you need to resolve tax issues fast.
I've been through this exact situation. Here's what happened: β’ Didn't report a W2 from a 2-week job in 2020 β’ Received CP2000 notice 14 months later β’ Had to pay original tax owed β’ Plus interest (which adds up faster than you think) β’ Plus accuracy-related penalty β’ Had to file Form 843 to request penalty abatement β’ Spent hours on phone with IRS β’ Stressed for months waiting for resolution My advice? Just include it now. The few minutes it takes will save you significant time, money, and stress later.
After experiencing this exact situation, I attempted to contact the IRS through normal channels for 3 weeks with no success. Their Taxpayer Assistance Centers were booked solid. I utilized Claimyr (https://claimyr.com) to secure a direct connection with an IRS agent. The representative confirmed my CTC for my 2023 newborn was in secondary processing and provided a Transaction Code 290 timeframe for resolution. The call expedited my case and my additional CTC was deposited 9 days later.
According to the IRS.gov forums and r/tax discussions I've been following, many parents are seeing a 4-6 week delay specifically for 2023 newborns. I'm really concerned because my mortgage payment is due soon and I was counting on this money. Has anyone received their additional CTC payment recently? The IRS2Go app isn't showing any updates for me.
Everyone's suggesting calling the IRS, but honestly, I've found that updating your address through your online IRS account is much faster than Form 8822 and doesn't require the phone nightmare. Log into your account at IRS.gov, go to profile settings, and update your address there. Then give it about 10 business days to process before calling about the refund reissuance. This approach worked for me last year when USPS returned my refund check to the IRS. Haha, who would have thought the "have you tried turning it off and on again" approach works with taxes too? π Just don't expect this to be quick no matter which method you choose.
Omg been there done that got the t-shirt! Moved from TX to CO last yr right b4 refund time. What a mess! The key is getting the addr updated ASAP. I did both - sent Form 8822 AND called. Took like 45 mins on hold but worth it. Rep told me they'd put a "freeze code" on my acct so the $ wouldn't go back into the general fund. Got my check like 5 wks later. Def do both methods to CYA. Good luck!
Be careful about articles claiming there are new stimulus payments! I saw one that made me think I qualified for a new payment, but when I actually read it, they were just talking about regular tax credits that have existed for years. I spent hours researching only to find out it was misleading clickbait. I've checked the official IRS.gov website and there's nothing about new stimulus payments for 2024. Don't make financial plans assuming you'll get one!
The community consensus seems clear: there are NO new stimulus payments for 2024. What we do have are the standard tax credits that have been part of the tax code for years. As independent contractors, we should focus on maximizing our business deductions and looking into credits we might qualify for like the Earned Income Credit if your income falls within certain thresholds. Much better to plan based on what actually exists rather than hoping for a stimulus that isn't coming!
NeonNova
Has anyone tried calling the regional IRS office instead of the main number? It's like trying to get through the front door of a packed concert when there's a side entrance with no line. I've heard Alabama has a specific office that handles the paper check distribution for our region.
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Dylan Campbell
Have you tried using USPS Informed Delivery? It emails you scans of mail that's coming to your address each day. I started using it after missing an important tax document last year. Wouldn't it be better to know if the check is actually on its way instead of checking an empty mailbox every day?
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