I feel your pain with the BSO system! I went through the exact same nightmare last year with my part-time housekeeper's W-2. The BSO site kept eating my EIN information and giving me those cryptic error messages. What finally worked for me was a combination approach: I used the SSA's free Fillable Forms system (mentioned by Isla) to generate the W-2s, then called my local IRS Taxpayer Assistance Center directly instead of the main hotline. The local office was way more helpful and actually walked me through registering my EIN properly over the phone. For your nanny's immediate needs, you can give her a copy of her final paystub along with a handwritten summary of her total wages and withholdings for the year. This won't replace the official W-2, but it'll help her get started on her taxes if she's in a rush. She can always amend later once you get the proper forms sorted out. The penalties for late W-2s are definitely annoying but not devastating - I ended up paying $60 since I got mine out within 30 days of the deadline. The key is just getting it done as soon as possible rather than continuing to fight with broken systems!

Just wanted to jump in and share what finally worked for me after dealing with this exact BSO nightmare for weeks! I ended up using a combination of the suggestions mentioned here. First, I tried the SSA Fillable Forms approach that Isla mentioned, which worked great for generating the actual W-2 forms. Then I followed Oliver's advice about calling the local Taxpayer Assistance Center - game changer! The local office was so much more helpful than the main IRS line, and they confirmed that there's definitely a widespread BSO issue affecting household employers right now. The representative told me that many people are having the exact same EIN registration problems you described, where the system accepts the information but then loses it when you log back in. They said it's a known bug they're working on, but there's no timeline for when it'll be fixed. For the immediate solution: I used the SSA fillable forms to create all the W-2 copies, printed the employee copies on regular paper, and ordered the official red-ink Copy A forms from an office supply store. The whole process took maybe 2 hours once I stopped trying to make BSO work. The late filing penalty ended up being $60 per W-2 since I got everything submitted within 30 days, which honestly felt like a small price to pay for ending the stress! My nanny was just happy to finally get her W-2 so she could finish her taxes. Don't give up - there are definitely workarounds even when the official systems fail!

Anyone know if the interest deduction limits are different if you bought your house in a high-cost area? I've heard something about exceptions for certain housing markets.

Just wanted to add one more thing that might help - when you're calculating that average balance, make sure you're using the principal balance only, not the total payment amount. Your Form 1098 should show the outstanding principal balance at year-end, but if you're calculating monthly averages, don't include the interest portion of your payments. Also, keep all your mortgage statements and closing documents organized in case the auditor asks for backup documentation. They'll want to see proof that the loan was actually used to purchase your home (not a cash-out refi for other purposes). Since you bought in 2022, your closing disclosure should clearly show this was acquisition debt. The fact that you're being thorough about this now will definitely help your audit go more smoothly!

Has anyone actually received a paper check after their direct deposit was rejected? I'm in week 12 of waiting and starting to think the IRS just keeps our money if the bank account is closed!!

I went through this exact same nightmare last year! My refund was sent to a closed Chase account in February and I didn't get my paper check until mid-May - so about 14 weeks total. The most frustrating part was that the IRS phone system kept telling me my refund had been "sent" without mentioning it was rejected. What finally helped was filing Form 3911 (Taxpayer Statement Regarding Refund) after the 10-week mark. This form basically forces the IRS to do a trace on your refund and can help speed things up. You can download it from IRS.gov and either mail it in or fax it to them. Also, make absolutely sure your current address is on file with them. Even though you said it's correct on your return, double-check by looking at your IRS online account or calling them. Sometimes there are formatting issues or apartment numbers that get dropped that can cause delivery problems. Hang in there - the money isn't lost, it's just stuck in their incredibly slow bureaucratic process!

This is such a helpful thread! I'm currently in a very similar situation - transcript shows 846 with DDD 4/26, but WMR hasn't budged from "still processing" for over a week now. Reading everyone's experiences here is really reassuring, especially knowing that the transcript is the more reliable indicator. Malik, I completely understand the stress of waiting for medical expense funds - I'm in the same boat with some urgent dental work that needs to be done. It sounds like we can trust that DDD date based on what everyone is sharing here. Thanks to everyone who contributed their timelines and experiences - this kind of real-world data is so much more valuable than the generic IRS website information!

This is exactly the kind of detailed, helpful breakdown our community needs! I went through this same roller coaster of emotions last month - transcript showed 846 with my DDD while WMR stayed stuck on "processing" for days. It's so frustrating when you're depending on those funds for important expenses like medical bills. The banking timeline information from Sean is spot-on too - I have a local credit union and got my deposit a full day before the official DDD. For anyone else reading this who might be in a similar situation, I'd also recommend setting up account alerts with your bank so you get notified the moment the deposit hits. That way you're not constantly checking your balance every few hours like I was! Malik, hoping your medical expenses get resolved smoothly once that 4/24 deposit comes through.

Plot twist: the IRS is actually a front for a secret government time travel experiment, and Code 570 means you've accidentally created a temporal paradox. 👽🕰️

Code 570 is definitely frustrating! I went through this exact same thing last year. Since you already verified your identity recently, it's likely something else - maybe they're just cross-checking some W-2s or 1099s. Mine cleared up after about 3 weeks without me having to do anything. But definitely keep checking your transcript every few days for updates, and if you don't see movement in a couple weeks, that's when I'd try calling or reaching out to the Taxpayer Advocate Service like William suggested. Hang in there! 🤞