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Military spouse here too! I completely understand the stress of needing that refund before deployment. I went through the exact same thing two years ago when my husband was getting ready to leave. The 4883C letter actually means you're on the right track - it's their way of saying "we just need to make sure it's really you before we send your money." Here's what worked for me: I did the online verification through ID.me (much faster than calling), and it took about 20 minutes. Make sure you have your Social Security card, driver's license, and a copy of your tax return handy before you start. After I verified, my refund came in exactly 18 days. The TC 810 will stay on your transcript until they complete the verification process, then it should update pretty quickly. Since you're dealing with a deployment timeline, I'd definitely recommend doing the online verification ASAP rather than trying to call. The phone lines are brutal right now. You WILL get your refund - this is just a speed bump, not a roadblock. Hang in there! πͺ
Military families definitely get hit with these identity verification requests more often - I think it's because of the frequent moves and address changes that trigger their fraud detection systems. The good news is that the 4883C letter with a control number means they have a specific process set up for you, which is much better than some of the other freeze codes that have no clear resolution path. Since your husband deploys soon, I'd prioritize getting this done this week if possible. The online ID.me verification is definitely your fastest option - have your Social Security card, driver's license, and a copy of your 2023 tax return ready before you start. Some people also need a utility bill or bank statement, so grab those too just in case. After you verify, your transcript should update within a few days to show progress, and then refunds typically issue within 2-3 weeks. The timing should work out for you if you act quickly. Once you're verified in their system, future years should be smoother. Good luck, and thank you both for your service! πΊπΈ
This is really helpful, thank you! I'm also military and just got a similar letter last week. Quick question - when you say have your tax return ready, do you mean just the first two pages or the entire return? And did you need to upload any documents during the ID.me process, or was it more like answering verification questions? Want to make sure I have everything prepared before I start.
Anyone else notice the verification process is way more strict this year? Had to upload like 10 different documents smh
Been stuck with code 810 for 8 weeks now after completing verification through id.me. Called the hotline last week and they said everything looks good on their end, just waiting for the system to process. The waiting game is brutal but at least we're not alone in this! Keep checking your transcripts every Friday morning - that's when most updates seem to happen.
Friday mornings - good tip! I've been checking randomly but that makes sense. Week 6 here and getting antsy but your post gives me some hope that things are still moving even if slowly. Did they give you any kind of timeframe when you called?
They just said the standard "9 weeks from verification date" but the rep seemed pretty confident it would move soon since all my docs were approved. Fingers crossed for both of us! π€ The Friday morning thing I learned from lurking on other tax forums - seems like IRS batch processes updates overnight Thursday into Friday.
I'm going through the exact same thing right now! Filed 1/28, got the 1095-A request in February, submitted it immediately, and I'm still waiting. What's really frustrating is that my transcript shows absolutely nothing - like my return doesn't even exist in their system. I've called three times and gotten three different timelines: 30 days, 45 days, and "up to 16 weeks." The inconsistency is maddening when you're depending on that refund for essential expenses. Has anyone had luck getting a more definitive timeline by asking to speak to a supervisor or specific department?
I'm dealing with almost the exact same timeline as you! Filed 1/30, got the 1095-A request in early February, submitted it right away, and I'm still in limbo. The transcript thing is SO frustrating - it's like our returns just vanished into thin air. I've also gotten wildly different timelines from different representatives (anywhere from 6-16 weeks), which makes it impossible to plan anything. From what I've read in other threads, asking for a supervisor sometimes helps get a more realistic timeline, but it doesn't seem to actually speed up the process. The waiting is absolutely brutal when you're counting on that money. Hang in there - hopefully we'll both see movement soon!
I'm in a very similar boat and it's incredibly stressful! Filed 1/24, got the 1095-A request in mid-February, submitted it the same day, and now I'm approaching week 7 with absolutely no movement. What's driving me crazy is that the IRS representatives keep saying "your return is processing" but can't give any specifics about what stage it's actually in or when it might complete. I've been checking my transcript every Friday (trying not to obsess daily) and it still shows nothing. Based on what others have shared here, it sounds like we're all in that 50-60 day window that seems to be the norm this year. I'm trying to stay optimistic that we'll see movement in the next couple weeks, but the lack of transparency from the IRS makes it so much harder to plan financially. Hoping we all get some good news soon!
This is my first time dealing with a 1095-A delay and honestly, reading everyone's experiences here is both reassuring and terrifying! I'm only at week 3 since submitting my form, but seeing that most people are waiting 7-8 weeks minimum has me preparing for the long haul. What I don't understand is why the IRS can't just be upfront about these timelines from the start - telling people "30 days" when they know it's really 50-60 days just creates unnecessary stress and phone calls that clog up their system even more. At least now I know not to expect anything until mid-to-late April. Thanks for sharing your timeline - it helps to know we're all in this together!
Has anyone tried the IRS Free File program this year? I qualify based on income (under 73k) but I've heard mixed things about the software options they offer.
I used OnLine Taxes through the IRS Free File program this year and it was decent. Not as polished as commercial software but it's completely free for both federal and state if you qualify. The questions are pretty straightforward but you definitely need to know what forms you need rather than it guiding you like TurboTax does.
I went through this exact same frustration earlier this year! Credit Karma Tax was such a reliable free option for so long. What I found out is that after Intuit bought Credit Karma, they had to sell off the tax filing portion due to antitrust regulations, and it ended up with Block/Square who turned it into Cash App Taxes. The good news is Cash App Taxes (https://cash.app/taxes) is still completely free for both federal and state returns with no income limits. I was hesitant at first because I thought I'd need the Cash App, but you can just use their web interface directly. The experience is almost identical to the old Credit Karma Tax - same question flow, same ease of use. I filed my 2024 return through them last month and it was just as smooth as Credit Karma used to be. They handled my W-2, some 1099 income, and investment transactions without any issues. Definitely worth checking out before paying TurboTax's fees!
Thanks for confirming this! I was so confused when I couldn't find Credit Karma Tax anywhere. Just to double-check - when you say it's completely free with no income limits, does that include more complex situations like rental property income or self-employment? I have a small side business (just some freelance work) and want to make sure Cash App Taxes can handle Schedule C before I start entering everything.
Yes, Cash App Taxes does handle Schedule C for self-employment and freelance income! I had some consulting work last year and it walked me through all the business expense deductions just like Credit Karma used to. It supports most common tax situations including rental properties, though I haven't personally used that feature. The only things they don't support are some of the really specialized situations like farm income, multi-state filing, or certain international tax forms. But for typical freelance/side business work with Schedule C, you should be all set. The interface for entering business expenses is actually pretty intuitive - you can either itemize everything or use some of the standard deduction options if your expenses are simple.
Caden Turner
I'm going through something very similar right now! Had my EIC reduced by over $3,000 and got hit with interest charges too. What really helped me understand everything was calling the Taxpayer Advocate Service at 1-877-777-4778 - they're independent from the IRS and can explain what's happening without all the confusing jargon. From what I learned, those credit reductions usually happen when the IRS can't verify income or dependent information during their automated review process. The interest starts accruing from the original due date of the return, which is why you're seeing charges even though you filed the amended return later. The good news is that if your amended return addresses whatever triggered the original adjustments, you could get those credits restored plus have the interest removed. I'd definitely keep checking your transcript weekly - sometimes the "Where's My Amended Return" tool doesn't update as quickly as the actual transcript does. Hang in there - I know how stressful this whole process is! πͺ
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Zainab Khalil
β’Thanks for mentioning the Taxpayer Advocate Service! I had no idea that was even an option. Just called them and they were so much more helpful than regular IRS customer service. They actually took time to explain what each code meant instead of just reading from a script. Definitely recommend this route for anyone dealing with complicated transcript issues! π
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Madeline Blaze
Looking at your transcript, I can see why you're stressed - those are some significant adjustments! The key thing to understand is that codes 767 and 765 (your credit reductions totaling $5,080) happened back in April 2024, but your amended return wasn't filed until October 2024. That 6-month gap is likely what triggered the interest charge. The good news is that code 291 showing -$1,848 is actually money being credited back to your account (negative amounts are refunds on IRS transcripts). So while you lost $5,080 in credits, you're getting $1,848 back, making your net loss around $3,232 plus the interest. Since your amended return is still processing (the "forwarded for processing" status), there's still hope that some or all of those original credit reductions could be reversed if the amendment addresses whatever triggered them. The IRS usually reduces EIC when they can't verify income or dependent eligibility, so make sure your amended return includes all supporting documentation. I'd recommend calling the Practitioner Priority Service at 1-866-860-4259 if you can get a tax pro to call for you, or try the Taxpayer Advocate Service at 1-877-777-4778 - they're much better at explaining these complex situations than regular IRS customer service. Keep that reference number 43277-696-04828-4 handy when you call!
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