I'm experiencing the exact same thing! Got my 846 code with a March 26 date through TurboTax and Credit Karma, but still nothing in my account as of this morning. This is my first year using Credit Karma for tax refunds so I wasn't sure if this was normal or not. Reading through everyone's experiences here is really helpful - sounds like the 1-2 business day delay after the IRS release date is pretty typical for online banks. I'm going to give it until Friday before I start worrying. Thanks for posting this question, it's reassuring to know I'm not the only one in this situation!

I'm going through the exact same thing! Filed through TurboTax, got my 846 code for March 26th, and still waiting for Credit Karma to show the deposit. It's so frustrating because you see all these posts about people getting their refunds early and you start wondering if something went wrong. But reading through all these responses really helps put things in perspective - seems like the 1-2 business day delay after the IRS release date is totally normal for online banks like Credit Karma. I'm going to stop obsessively checking my account every hour and give it until Friday like others have suggested. Thanks everyone for sharing your experiences, it definitely makes the waiting less stressful when you know you're not alone!

Has anyone considered the possible legal implications beyond just taxes? Letting someone else use your account on gig platforms usually violates their terms of service. Could she get in trouble with the platform too?

This is a really tricky situation that I've seen cause headaches for people. The key thing to understand is that the IRS computer systems automatically match 1099s to Social Security Numbers, so if Sarah doesn't report that $13,500 on her return, she'll almost certainly get a CP2000 notice (basically an automated "you forgot to report this income" letter). Her dad's promise to "take care of the taxes" doesn't change the fact that the income is tied to her SSN. Even if he somehow managed to pay taxes on it through his own return, the IRS systems would still be looking for that income on Sarah's return. The Schedule C approach mentioned by Carmen is probably the most practical solution at this point - Sarah reports the income, then deducts the full amount as payments to her father for contract services. This way the IRS sees the income reported under the correct SSN, but the tax burden effectively passes to the person who actually earned it. Just make sure there's proper documentation of this arrangement in case of questions later. And definitely learn from this situation - sharing gig accounts creates way more problems than it's worth!

filed on 03/29, accepted 03/30, DDD of 04/12 on my transcript, and it hit my CashApp on 04/10 - so 2 days early.

CashApp user here! Got mine 3 days early this year. Filed on 4/8, accepted same day, transcript showed DDD of 4/25, but money hit my CashApp on 4/22. My sister used Wells Fargo and got hers exactly on the IRS date - no early release. From what I've noticed over the years, it really depends on when during the week your DDD falls and how quickly the IRS processes that particular batch. If your bills are tight, CashApp is definitely worth trying, but I wouldn't count on more than 1-3 days early max.

This exact thing happened to my neighbor last year! The CP80 notice can be really scary but it's usually just a processing mix-up. Here's what worked for her: She called her bank and got a copy of the front and back of the cashed check - the back showed it was endorsed by the IRS Treasury, which proved they definitely received her payment. Then she made copies of her entire tax return and wrote a cover letter explaining the situation. The key thing is to respond quickly to the CP80 notice. Don't wait thinking it will resolve itself. Include: - Copy of your complete tax return (mark it "DUPLICATE - CP80 RESPONSE") - Copy of the cashed check or bank statement - Brief letter explaining you filed and paid on time Send everything certified mail to the address on the CP80 notice. My neighbor got a letter back in about 6 weeks confirming everything was straightened out. The IRS even apologized for the confusion! Also, definitely keep trying to call the IRS. Early morning (around 7 AM) seems to have shorter wait times. You might get through eventually and they can sometimes resolve it over the phone if you have your documentation ready.

I actually went through this exact same situation about 8 months ago and it was absolutely nerve-wracking! The CP80 notice made it sound like I was in serious trouble, but it really was just a processing error on their end. What helped me was understanding that the IRS payment processing and return processing are completely separate systems. Your check gets deposited almost immediately, but your actual return can get stuck in various queues for manual review, data entry backlogs, or just random processing delays. Here's what I learned from my experience: - Don't panic about penalties since you paid on time (that's what matters most financially) - The "balance released" language in the CP80 just means they're not holding your payment hostage while figuring out the return issue - Make sure to respond within the timeframe they specify in the notice (usually 30 days) I followed similar advice to what others have mentioned - sent a complete copy of my return with "CP80 RESPONSE" written on top, included my bank statement showing the cashed check, and used certified mail. It took about 5 weeks but I got a letter confirming everything was resolved. The most important thing is to respond promptly and keep copies of everything you send them. This is way more common than you'd think, so try not to stress too much about it!

did you claim EIC or CTC? that usually makes it take longer tbh

3 weeks is definitely frustrating but not unusual this year. The "Still Being Processed" message without a tax topic code usually means they're doing a manual review of something on your return - could be income verification, credits, or just random quality control. I've seen people wait anywhere from 4-10 weeks with this message. Try checking your account transcript online if you can access it - that'll give you more specific info about what's happening behind the scenes.