Try calling the dedicated Examination department instead of waiting. The online system is faster than mail, but calling can speed things up even more. I called after 3 weeks of waiting and they told me exactly what was happening with my case. The number is different from the main IRS line - it's on your audit notice letter.

Be careful with the online upload system! Have you verified you received confirmation that your documents were successfully uploaded? I thought mine went through, but after waiting 8 weeks with no updates, I called and discovered they never received anything - apparently there was a system error but no error message displayed on my end. Wouldn't it make sense for a modern system to provide a confirmation number or email? Now I'm back at the beginning of the process and my refund is delayed by two months. Double-check your account to make sure there's some acknowledgment they received your documents.

Try the Taxpayer Advocate Service. It's free. Call 877-777-4778. They can help with delays. Sometimes they can expedite. Worth a shot. Better than waiting indefinitely. They helped me last year. Got my refund unstuck in two weeks.

I waited exactly 52 days this tax season with the EXACT same situation - created an IP PIN 3 days after filing. My transcript was unavailable for 47 of those days, then suddenly appeared with a 570 hold code dated March 11th, followed by a 571 release code dated March 18th. The most frustrating part was calling the IRS 9 times and getting 9 different answers about the delay. One agent said it was the IP PIN, another said it was my investment income requiring verification, and a third said there was no issue at all - just normal processing times. My refund of $3,842 finally arrived on day 54, with no explanation for the delay.

Be careful about counting on early deposits with Chime for state refunds. According to the NJ Division of Taxation website (https://www.state.nj.us/treasury/taxation/), they specifically state that refunds can take up to 4 weeks to process even after approval. I've seen cases where the DDD changes at the last minute. Has anyone else noticed this? I'm looking for confirmation because I'm in a similar situation.

Just wanted to share some good news - my NJ refund with the DDD of 3/4 hit my Chime account yesterday (3/2)! Two days early, just like my federal usually does. The state tax gods must be feeling generous this year, lol. Might be worth checking your Chime account throughout the day even before your DDD.

If you're really concerned, you can call the IRS to check the status. I was in the same situation last month and tried calling the regular IRS number for days with no luck. I finally used Claimyr (https://claimyr.com) and got through to an agent in about 15 minutes. They confirmed it was just a routine review of my education credits and nothing to worry about. Saved me a ton of anxiety!

I've had 570 codes three years in a row now. It's just part of the process for some of us. Usually clears up on its own, but if you have a 971 code too, watch your mail for a notice explaining what they need from you (if anything).

Let me warn you about something important with prepaid cards: Step 1: Always check deposit limits before choosing a card for tax refunds Step 2: Verify if the card charges fees for government deposits (some do!) Step 3: Read the fine print about how long they can hold large deposits Step 4: Consider what happens if there's an issue I learned this the hard way last year with a different prepaid card. My $3,800 refund exceeded their $3,000 limit, which I didn't know existed. The deposit was rejected, and I ended up waiting 6 additional weeks for a paper check. This completely derailed my budget plans and cost me a late fee on my rent.

I've assisted numerous taxpayers with this exact scenario. The ONE card utilizes a legitimate banking infrastructure that's fully compatible with IRS direct deposits. The ACH transfer system doesn't distinguish between traditional bank accounts and prepaid products like ONE when processing your refund. Tax Slayer merely transmits your banking details to the IRS without any interference in the deposit process. I've observed successful deposits to ONE cards from multiple tax preparation services including Tax Slayer, with standard processing timeframes of 8-21 days from acceptance date.

Be careful with SBTPG - they're like a middleman that takes a bite of your sandwich before handing it to you. I've seen cases where they held refunds for up to 5 business days, not just 1-3. Their terms actually allow them to hold funds for "processing" with no specific timeline guarantee. Think of it like shipping - they promise delivery but not exactly when. In 2023, many people reported longer holds during February and March when volume was highest. If you need your money by a specific date, never count on the DDD as the actual deposit date.

I had this same issue last month. According to the SBTPG website (https://taxpayer.sbtpg.com/), they typically process refunds within 1-2 business days after receiving them from the IRS. I tracked my federal refund carefully - the IRS issued it on February 21st, SBTPG received it the same day, and I got my deposit on February 23rd. So exactly 2 business days. I recommend creating an account on their website to track your refund's progress. You'll need your SSN, filing status, and refund amount to register.

I meticulously track my WMR status every year, and this exact pattern happened to me in 2023. Could it be a coincidence that the refund amount disappeared right when they were preparing to apply an offset? Perhaps, but in my experience, this is precisely how the system behaves when they're processing a debt collection. Have you received any notices in the past year about potential debts that might be collected? Did you verify your address is current with the IRS so you'll receive the offset notice promptly?

I had this EXACT same issue last April! My refund amount vanished from WMR and I freaked out. Turned out I had an old state tax debt from 2019 I completely forgot about. After the offset, I still got the remainder of my refund (about $780 out of my original $1,340) deposited exactly 6 days after the amount disappeared from WMR. The offset notice came in the mail about a week after the deposit. So don't panic - you'll likely still get whatever's left after they take what you owe!

I was in the same boat as you a few weeks ago! Here's what happened for me step by step: 1. First, I checked my transcript and saw my DDD (2/3 in my case) 2. I called TurboTax customer service (866-888-9107) to ask about the timeline 3. They confirmed that they typically receive the funds from IRS on the DDD 4. Then they process the fees and forward the remaining amount within 24-48 hours 5. Finally, Credit Karma usually makes funds available same-day once they receive them In my experience, I got my refund exactly 2 days after my DDD. The TurboTax rep told me this is pretty standard for their refund transfers with Credit Karma specifically. Hope this helps with your medical appointment planning!

Think of your tax refund like a package going through multiple shipping facilities before reaching your doorstep. The DDD is when it leaves the IRS warehouse, but it still needs to go through TurboTax's processing center (where they take their cut) before final delivery to your Credit Karma card. The technical term for this is a "Refund Transfer" (RT) or "Refund Processing Service" (RPS) which utilizes a temporary bank account established by TurboTax's financial partner. According to internal IRS document 7130.A, these transfers typically complete within 1-3 business days post-DDD, though peak season (which we're in) can extend this timeline.

I was in a similar situation with medical bills piling up. Spent days trying to understand my offset. Eventually used https://taxr.ai to analyze my tax transcript and it immediately showed the offset code and explained exactly which agency took the money. Saved me from calling the wrong departments. The transcript analysis pointed me directly to my state unemployment office instead of wasting time with the IRS. I'm still working through the hardship process, but at least I'm talking to the right people now.

Just want to add - be careful about expectations with hardship claims. I filed one on January 17th this year and while it was eventually approved, the money took until March 2nd to actually arrive. The process varies dramatically by state. Some states like California have clear hardship guidelines while others make it nearly impossible. Document EVERYTHING and be prepared for multiple follow-ups. These agencies don't make it easy, but persistence pays off if you have legitimate hardship circumstances.

Just to clarify something important: a trace number doesn't actually mean your money has been sent - it's just an identifier for your refund in the IRS system. What matters more is the 846 code on your transcript with a date. If today is the date listed with your 846 code, the IRS is processing your refund today, but it typically takes 1-2 business days after that for most banks to post the funds. Some banks (especially credit unions) often hold ACH deposits for a full business day for verification.

Is this your first time filing with this bank account? I've noticed that first-time direct deposits to accounts seem to take longer than deposits to accounts you've used with the IRS before. Also, did you get your refund through a tax preparer who takes their fees out of your refund? Those sometimes go through a third-party bank first which adds extra time.