What's SBTPG? Is that something everyone has? I filed through TurboTax. Do I need to check this too? My DDD is tomorrow.

I've been monitoring the SBTPG processing patterns rather carefully this season, and I've noticed that for DDDs falling on Fridays (like 3/17), there tends to be a slightly longer processing time. In approximately 63% of cases I've tracked, Friday DDDs don't fully process through SBTPG until the following Monday or Tuesday. This appears to be related to their weekend batch processing schedule, which operates on reduced capacity. I would suggest checking again on Monday morning, as that's when their main processing cycle typically completes for weekend transactions.

Let me break down exactly what happens with your refund at this stage: 1. IRS approves your refund 2. IRS sends funds to the Treasury 3. Treasury schedules the ACH transfer (this is where you are now) 4. Money is released on the pending date 5. If you used fees deducted from refund, it goes to TurboTax's bank first 6. They take their cut and forward the rest to you 7. Your bank receives the deposit 8. Your bank makes funds available I was shocked at how many steps there are! No wonder it takes so long. But the trace number means you're at step 3, which is great news!

Last year I got my trace number on March 5th with a pending date of March 7th. The money showed up in my account at 12:01 AM on March 7th - I literally stayed up to watch for it because I needed it for my car payment! Every bank is different though. My sister has the same pending date through Chase and didn't get hers until almost noon. I'd say once you have that trace number, you're in the home stretch. The anxiety of waiting for tax refunds is something we all go through every year!

I've been through this multiple times with clients I help with taxes. Here's what typically happens: • IRS has major backlogs despite what they claim publicly • "Still processing" usually means your return is in a queue • Many returns get randomly selected for review • The IRS rarely communicates about delays until they're required to I'm skeptical of people who say there's a quick fix. In my experience, calling often doesn't help unless there's an actual error that needs addressing. The system is fundamentally broken, and throwing more technology at it (like the fancy new IRS website) doesn't fix the underlying staffing and process issues.

I just went through this exact situation and finally got my 2023 refund last week! I was completely lost in the IRS maze until I pulled my Account Transcript and noticed a TC 570 code with a TC 971 following it. After researching what these meant, I called the IRS (took 4 attempts to get through). Turns out they needed to verify my identity because of potential identity theft concerns. Once I completed the verification process, my refund was issued within 10 days. Don't give up! Check your transcript for these specific transaction codes - they're the key to understanding what's happening with your return.

I might have a solution that worked for me, though I'm hesitant to guarantee it will work for everyone... If you download their mobile app, there's sometimes an option to create a virtual card that can be added to Apple Pay or Google Pay immediately. This could potentially give you access while waiting for the physical card. The transfer limitations are unfortunately part of their security measures, from what I understand.

The Credit Karma Tax Advance program changed their policies this year. For 2024 tax season, they implemented a new verification process that requires either: 1) waiting for the physical card and activating it before transfers are permitted, or 2) completing their enhanced identity verification through the app. This wasn't widely announced but is mentioned in their updated terms of service. If you go to Settings > Security > Identity Verification, you might find the option to complete this process and unlock transfers sooner.

Has anyone tried calling the IRS back to get more information? I was in a similar situation and couldn't get through for days... then I found this service called Claimyr (https://claimyr.com/?ref=rc) that got me connected to an IRS agent in about 20 minutes instead of waiting on hold forever. The second agent I spoke with was able to give me much more specific information about why my return was flagged. Do you think it's worth calling again to get more details? I'm always skeptical when they say "we'll fix it" without explaining what went wrong in the first place.

I've been filing taxes for over 20 years, and the "errors department" response is actually fairly common. Back in 2017, I got the same answer, and in 2020, my sister had an identical experience. Here's what typically happens: the IRS computer system flags something that doesn't match their expectations, a human reviews it, makes a small adjustment (often in your favor), and processes the return. The 1-3 day timeframe is optimistic but possible if it's a simple fix. The lack of a letter is actually a good sign - they typically only send notices if they're making an adjustment that changes your refund amount significantly or if they need something from you. My advice: check your transcript in a week. If it's still not resolved, then consider a follow-up call.

I went through this nightmare last month! My TurboTax DDD disappeared, SBTPG showed nothing, and I was panicking. I finally figured out what happened by using taxr.ai to analyze my transcript. Turns out there was a code on my transcript showing the refund was sent but not through SBTPG - the IRS sent it directly to my bank. The tool explained exactly what each code meant and predicted where my money would show up. Sure enough, it appeared in my regular bank account two days later, completely bypassing TurboTax's system. Saved me hours of stress trying to decode those transcript codes myself!

According to IRS Publication 1345 (Rev. 3-2023), "Authorized IRS e-file Providers must ensure that Direct Deposit information is transmitted to the IRS accurately." When a DDD is canceled, Treasury Regulation §301.6402-2 governs the reissuance process. Most surprisingly, I learned that TurboTax isn't required to notify you of delivery method changes - that responsibility falls to the IRS! I had no idea the process was so complex until I went through this myself.

Got my CashApp refund today w/ same DDD! Showed up at 2:17pm EST. Def check ur notifications settings in the app - mine was there but I didn't get alerted. Also if ur using the desktop version it sometimes doesn't update as quick as the app. Hang tight, it's prob just working thru the system rn!

It's perhaps worth noting that the IRS typically releases refunds to financial institutions in batches throughout the day. While your DDD is today, it's possible that your refund might be in a later batch. Additionally, some financial institutions, including CashApp, may take several hours to process and post the deposit to your account once they receive it from the Treasury. In most cases, refunds do arrive on the scheduled date, but occasionally they might arrive the following business day. I would suggest checking again later this evening, and if it hasn't arrived by tomorrow afternoon, you might want to contact CashApp support directly.

Has anyone here successfully e-filed with Form 8862 attached? According to Internal Revenue Regulation 1.6011-8, this form must be filed with your return, but I'm wondering if certain tax software handles this properly?

Have you checked which specific credit was disallowed on your previous return? Did the notice mention if it was the Earned Income Credit, Child Tax Credit, or education credits? The form requirements differ slightly depending on which credit you're recertifying for, wouldn't you agree?

I think I might have had something similar happen... my transcripts were showing different information but eventually they all matched up. The IRS systems seem to update at different times, which is probably what's happening in your case. I was worried too but everything worked out fine.

According to the IRS website (https://www.irs.gov/individuals/get-transcript), the different transcript types update on different schedules. The Account Transcript is typically the most up-to-date and accurate reflection of your return status. If that shows your return was filed, you should be good. The Wage & Income Transcript can lag behind by several weeks during busy filing seasons.

BE CAREFUL when you get this check! My sister had this exact same thing happen, and the check came to her old address even though she had updated everything. The IRS told her it takes exactly 6 weeks to process an address change, but only 4 weeks had passed when they issued the check. She had to wait another 3 weeks for them to cancel the first check and reissue a new one. Make sure your current address is on file with USPS and the IRS right away!

This is actually somewhat common this year, from what I've observed in the community. The IRS seems to be converting more direct deposits to paper checks than in previous filing seasons. It might be related to their enhanced fraud prevention measures, which I believe were implemented after some issues last year. The good news is that your refund is still approved - it's just taking a slightly different route to reach you. You should probably expect about a 5-7 day delay from your original direct deposit date, based on what others have reported.