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! 🤞

Just to add another perspective here - I work as a tax preparer and can confirm that for married filing jointly returns, the primary/secondary spouse designation is really just an administrative detail. The actual tax calculation and liability remain exactly the same regardless of which spouse is listed first. Your situation is actually pretty common, especially with couples who have moved states or had account access issues. Filing through your wife's account with her as the primary filer is completely fine. Just make sure all your income ($78,000) gets properly reported on the return, even though she had no income in that state. The key things to verify: 1) Use the same filing status (married filing jointly) as your federal return, 2) Report all income accurately, and 3) Make sure you're filing as a part-year resident if you moved mid-year. The state tax software should walk you through the part-year residency calculations automatically. Don't stress too much about this - you're making the right choice by moving forward with what works rather than getting stuck on account access issues!

Thanks everyone for all the helpful responses! This has been really reassuring. I think we're going to go ahead and file through my wife's account with her as the primary filer. It sounds like as long as we report all the income correctly and maintain the married filing jointly status, we should be fine. I really appreciate the professional perspective from Ravi about this being a common situation. And good point about the part-year residency calculations - we did move in July 2023, so I'll make sure the state software handles that properly when we're entering the income information. For anyone else in a similar situation, it seems like the consensus is that the primary/secondary designation is just administrative and doesn't affect the actual tax calculation. The important thing is getting all the income reported accurately. Thanks again for helping ease my anxiety about this!

I'm dealing with a very similar situation right now! Got acquired in early 2023 and had RSUs vesting quarterly through the end of that year. Like you, I saw the RSU income on my W-2 and assumed everything was handled automatically. Just got my CP2000 notice last week claiming I owe $22k. After reading through this thread and doing some research, I realized I completely missed reporting the "sell to cover" transactions on Schedule D. The frustrating part is that I actually overpaid taxes because I didn't claim the correct cost basis for the shares that were sold! The IRS is treating the sales as if I had zero basis, but since the RSU value was already taxed as income, my basis should equal the fair market value at vesting. Going to gather all my documents from Schwab (my company's plan administrator) and prepare a response showing the correct calculation. Thanks everyone for the helpful advice - makes me feel less panicked knowing this is a common mistake!

I'm going through something very similar right now! Just got a CP2000 notice for my 2023 RSUs and was completely panicking until I found this thread. One thing I wanted to add that might help others - I called my company's HR department and they were actually really helpful in explaining what happened with my stock plan. They sent me a detailed breakdown of each vesting event showing exactly how many shares vested, the FMV on that date, and how many shares were sold to cover taxes. It turns out my company also provides a year-end tax summary document that shows the total RSU income (which matches what's on my W-2) and all the "sell to cover" transactions for the year. I had no idea this existed! If your company uses a major provider like Schwab, E*Trade, or Fidelity, definitely check if they have similar year-end tax documents available. This documentation is making my response to the IRS much easier to prepare. Still stressful, but at least now I understand what actually happened instead of just panicking about owing tens of thousands of dollars I don't have! Has anyone else found helpful resources through their employer's stock plan administrator?

dont forget to keep all ur receipts! IRS loves their paperwork lol

@Benjamin Carter with your $12k income and $4k daycare expenses, you should definitely qualify! At your income level, you'll get the maximum percentage (35%) of the credit. So you could potentially get back around $1,400 (35% of $4k). Just make sure your daycare provider gives you their tax ID and keep all those receipts like others mentioned!