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I went through this exact same nightmare with my Jackson Hewitt Serve card earlier this year! What finally worked for me was persistence with multiple approaches at once. I called using the "lost card" trick that Aisha mentioned (works like a charm), filed a CFPB complaint online, AND sent a certified letter to their dispute department. The CFPB complaint was what really got their attention - I had a response within 48 hours and my money back within a week. Don't give up! These companies count on people just walking away from their money. You have rights under federal law and they HAVE to investigate legitimate disputes. Also screenshot everything on your account showing the fraudulent charge before it potentially disappears from your transaction history.
This is exactly the kind of comprehensive approach that works! I've been dealing with a similar situation and was starting to lose hope, but seeing that multiple people have gotten their money back gives me confidence. The screenshot tip is brilliant - I didn't even think about documenting everything before it might disappear. Going to try the lost card option first thing tomorrow morning, then file that CFPB complaint if needed. Thanks for sharing your success story!
I've been following this thread and want to add my experience - I had a similar fraud issue with my Serve card from Jackson Hewitt last year. Here's what actually worked for me after trying everything mentioned here: 1. Called at 7 AM using the "lost card" option (this really does work!) 2. Once connected, I immediately asked for the fraud department and explained I had unauthorized charges 3. They sent me a dispute form via email within 24 hours 4. I also filed a CFPB complaint the same day as backup 5. Got a provisional credit within 3 business days while they investigated The key is being persistent and using multiple channels simultaneously. Don't just try one method - hit them from all angles. The CFPB complaint especially seems to light a fire under them because it creates a paper trail they have to respond to. Also, for future reference, you can set up transaction alerts on the Serve app to catch fraudulent charges faster. I learned that the hard way! Good luck getting your money back - you absolutely can and should fight for it.
This is such helpful advice! I'm dealing with a similar situation right now and was feeling pretty hopeless about getting my money back. The multi-pronged approach makes total sense - why rely on just one method when these companies make it so hard to reach them? I'm definitely going to try the 7 AM "lost card" trick tomorrow and file that CFPB complaint as backup. The transaction alerts tip is also great - I had no idea that was even an option in the app. Thanks for taking the time to share what actually worked for you!
The IRS transcript system is like that flaky friend who keeps changing plans on you. š Last year my as-of date played hopscotch for three weeks straight! Monday it was April 1, Wednesday back to March 15, Friday jumped to April 8. My refund showed up right after all that bouncing around. The transcript system is basically the IRS's way of saying "we're working on it... kinda sorta maybe.
Diego, this backwards date jump is actually pretty normal during processing! I've seen it happen with my returns multiple times over the years. The "as of" date basically shows when the IRS system last updated your account, and it can bounce around while they're working through different stages of review. Since you mentioned you drive for Uber, they might just be cross-referencing your 1099s or doing routine verification on gig income - totally standard stuff. I wouldn't stress about it. Keep an eye on your transcript for any new transaction codes, but the date jumping backwards by itself isn't a red flag. Usually means they're just working through their normal process!
I just went through this exact situation with my refund last week! My DDD was Friday 3/1 and I was checking Cash App every hour like a maniac. The funds finally showed up Monday morning at 7:23am. What I learned is that Cash App processes ACH deposits during business hours only, so weekend DDDs always roll to the next business day. One thing that helped my anxiety was calling the IRS automated line (1-800-829-1954) to confirm my refund was actually sent - you can check this with just your SSN and refund amount. Also make sure you have notifications turned on in Cash App so you get alerted the moment it hits! The waiting is the worst part but it's totally normal for weekend deposits to be delayed.
Thank you so much for sharing your experience! That automated IRS line tip is incredibly helpful - I had no idea you could check if the refund was actually sent with just your SSN and refund amount. I'm definitely going to try calling 1-800-829-1954 tomorrow to ease my mind. It's reassuring to know that 7:23am Monday deposit timing seems consistent with what others have experienced. I've already turned on my Cash App notifications, so hopefully I'll get that sweet alert Monday morning! The waiting really is the hardest part when you're depending on that money.
I've been using Cash App for my tax refunds for the past two years and can definitely relate to the weekend anxiety! From my experience, Cash App is actually pretty reliable once you understand their processing schedule. If your DDD falls on a Friday, you'll almost certainly see the deposit Monday morning between 6-9am - I've never had it take longer than that. The key things to double-check: make sure your name on your Cash App account exactly matches your tax return, complete all verification steps including SSN verification, and ensure your account can handle the deposit amount. I also recommend screenshotting your transcript showing the DDD just in case you need it for reference. The wait is stressful but Cash App has never failed to deliver my refund, just sometimes a day or two after the official DDD due to weekend processing rules. You should be good to go Monday morning!
Just a heads up that depending on how much your HSA distribution was, this might push you into a higher tax bracket when combined with your other income. My $4,800 non-qualified distribution last year bumped me up and I wasn't prepared for the bigger tax hit.
This is such an important point! The same thing happened to me. The distribution itself was about $3,200, but between the regular income tax plus the 20% penalty plus getting pushed into a higher bracket, the actual cost was way more than I anticipated.
I noticed nobody mentioned state taxes. Depending on your state, you might need to add the HSA distribution to your state taxable income too. Some states like California don't recognize HSAs at all, which makes it even more complicated. FreeTaxUSA should handle this automatically, but it's good to be aware.
That's a great point! I'm in Illinois - does anyone know if they treat HSA distributions the same as the federal?
Illinois generally follows federal tax treatment for HSAs, so your non-qualified distribution will be taxable at the state level too. However, Illinois doesn't impose the additional 20% penalty that the federal government does - that's only a federal penalty. So you'll pay Illinois income tax on the distribution amount, but won't face the extra penalty at the state level. FreeTaxUSA should handle this correctly when you complete the federal HSA section and it flows through to your Illinois return.
Santiago Martinez
I'm going through the exact same thing right now! Filed with FreeTaxUSA on Tuesday night and it's Friday morning with still no acceptance notification. Coming from TurboTax where I'd get that green checkmark almost instantly, this is definitely nerve-wracking. But reading all these comments is really reassuring - sounds like 24-72 hours is totally normal for FreeTaxUSA. I'm going to check my account directly instead of waiting for the email notification since a few people mentioned that can be delayed. Thanks everyone for sharing your experiences!
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Amina Bah
ā¢Welcome to the FreeTaxUSA waiting club! š I just went through this exact same anxiety last month. Filed on a Wednesday night and didn't get the acceptance email until Saturday afternoon - so almost 3 full days. I kept refreshing my email and checking the FreeTaxUSA portal obsessively. One tip that helped me stay sane: set up the IRS account online at irs.gov so you can track your return directly once it does get accepted. That way you're not dependent on FreeTaxUSA's slower notification system. The IRS "Where's My Refund" tool updates much more reliably than waiting for emails from tax software companies. Hang in there - the savings vs TurboTax are so worth this minor stress!
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Carmen Sanchez
I'm in the exact same boat as you! Filed with FreeTaxUSA Wednesday evening and it's now Friday afternoon with no acceptance notification yet. Coming from years of using TurboTax where I'd get that instant gratification, this waiting period is definitely anxiety-inducing. But after reading through all these responses, it sounds like 48-72 hours is completely normal for FreeTaxUSA's system. I actually just logged into my FreeTaxUSA account directly (instead of waiting for email) and can see my return status there. Might be worth checking yours too since some people mentioned the email notifications can lag behind the actual portal updates. The money I'm saving vs TurboTax will definitely be worth this temporary stress once I get that acceptance confirmation!
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