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This is normal. Don't panic. IRS will mail a check. System works this way by design. Security feature. Not a glitch. You'll get your money.
You might want to check your tax transcript, if possible, to see if there's any indication of the rejected deposit. Generally speaking, the IRS will typically reissue the refund as a paper check when electronic deposits are rejected, though the timeframe can vary somewhat depending on current processing volumes. It's also potentially worth noting that some banking institutions have different policies regarding joint tax refunds versus individual accounts.
Just to clarify a few things about cycle codes and PATH: β’ Cycle code 05 = your account updates on Thursday nights β’ PATH message = normal for EITC/CTC claims until mid-February β’ Investment income + EITC = often triggers additional verification β’ Normal processing time = 21 days without PATH, up to 45 days with PATH Are you seeing any 570/971 codes on your transcript? Those would indicate specific issues that need addressing.
This is definitely taking longer than returns with just W-2 income. My transcript was stuck like yours for about 4 weeks while my wife's return (filed same day, no investments) was processed in 2 weeks. Compared to my previous years, the investment income alongside EITC is definitely slowing things down. The IRS systems are treating these returns differently than standard ones, but that doesn't mean anything is wrong. Just frustrating when you see others with simpler tax situations getting their money faster!
Be careful about calling state tax offices right now. We're in peak processing season, and some states are flagging accounts for "excessive inquiries" which can trigger additional review. This happened to my brother-in-law who called multiple times about his state refund, and it ended up delaying his refund by an additional 30 days due to being pulled for manual review. If your federal is already scheduled, I'd suggest waiting at least until that deposits before escalating with the state agency. Each contact can restart certain verification timers in their system.
Had a similar situation last year that turned into a complete nightmare. π© My state return showed as "received" for 8 weeks with no updates. Turns out they had sent me a letter requesting verification that never arrived at my address. After 90 days they just closed my case and I had to refile the entire return! Check your mailbox carefully and maybe even call to confirm they don't need anything from you. The most frustrating part was that their online system never showed any indication that they needed additional information from me!
I had an offset on February 28, 2024, and my DDD was March 3, 2024. The remaining amount hit my bank account exactly on March 3rd, but when I called the TOP number on March 3rd and March 4th, it still showed no offset. On March 7th (exactly 4 business days later), the automated system finally updated with the complete details. So based on my experience from just a few weeks ago, you should expect about 4 business days after your March 15th DDD before the TOP system updates.
I think I might have been in a somewhat similar situation last year? My refund had an offset for child support (probably not your situation, but the process is basically the same I believe). I sort of expected to be able to check the offset immediately, but it actually took about 5 or 6 days after my deposit date before it showed up when I called that number. The remaining portion of my refund did come on the correct day though, so that was nice I guess. Just be prepared to wait a bit before you can confirm all the details.
I would strongly recommend documenting everything during this process. Take screenshots of your WMR status, note the dates you call the TOP system, and save any correspondence you receive. This documentation can be invaluable if there are any discrepancies later, which unfortunately does happen with offsets occasionally.
7d
Been thru this 2x now. TOP system = always slow to update. DDD still accurate for remaining $$$. Dept of Ed offsets = faster in system (3-4 days). State tax offsets = slower (5-7 days). Just FYI if ur wondering why ppl have diff experiences.
7d
Has anyone tried calling the specific Identity Verification number instead of the main IRS line? Last year when I had to verify, I called 800-830-5084 directly and they were able to verify me over the phone without the letter. I'm wondering if that's still an option or if they've changed the process for 2024 returns?
I had almost exactly the same situation, possibly with a slightly different timeline. My verification was posted April 2nd, and I didn't get any portal notification whatsoever. The letter arrived around April 15th (a bit later than expected), and I verified online the same day. My refund was processed about 9 days later, which seems to be fairly typical for verification cases. You might want to check your mailbox carefully, as the envelope looks somewhat generic and could be mistaken for junk mail.
I just went through this exact scenario and got my refund yesterday! Here's what happened: β’ Filed/accepted 1/29 β’ PATH hold message appeared 2/3 β’ TT showed payment processed 2/12 β’ Transcripts still showed N/A until 2/15 β’ Refund hit my account 2/17 The TT payment processed was definitely the first sign things were moving. Hang in there!
Same experience here! TT payment processed showed up exactly 5 days before my refund. It was like clockwork.
7d
Did either of you have any issues with your Where's My Refund tool during this time? Mine still shows processing even though TT shows payment processed.
7d
Instead of refreshing WMR or transcripts constantly, try checking your bank account for a pending deposit. Many banks show pending deposits 2-3 days before they post, and sometimes this appears before any IRS tools update. Also, if you have the IRS2Go app, sometimes it updates before the website does. Worth trying different approaches rather than just the transcript route.
HELP!!! I'm completely stuck in an ID.me loop. I've been trying to check my tax transcript for the past 3 days (like I've done in previous years), but I can't get into my ID.me account because it has my old college phone number attached to it. When I try to reset my password, it keeps sending verification codes to that number which I no longer have access to. I've tried calling their support line twice already but got disconnected both times after waiting 45+ minutes. Has anyone figured out a workaround for this? I need to check if my amended return was processed correctly since I had issues last year too.
Look, I've been there with the ID.me mess. After trying for days to get through their support, I used Claimyr to reach an actual IRS agent. Cost me $20 but saved me hours of frustration. The agent was able to mail me my transcript and also helped me set up a new ID.me account properly. Link is https://youtu.be/_kiP6q8DX5c if you want to try it. Just tell the IRS agent exactly what happened with your ID.me account and they can help with alternative verification methods.
Does this Claimyr service actually work? $20 seems steep just to talk to someone at the IRS. How long did it take you to get connected? And did they really help with the ID.me issue or just send your transcript by mail? I'm in a similar situation and wondering if it's worth the money or if I should just keep trying on my own.
11d
Have you considered submitting Form 4506-T to request your transcript by mail? According to IRS Publication 4506, you're entitled to receive your tax transcript without using the online system. The processing time is typically 5-10 business days. Would this timeline work for your situation, or do you need more immediate access to your transcript information?
The cycle code 05 means your account updates on Friday mornings, but it doesn't guarantee you'll see movement this specific Friday. According to the IRS's "Where's My Refund" FAQ page, verification processing typically takes 2-6 weeks. The 9-week timeline mentioned is their maximum estimate to manage expectations. If you check your online account at irs.gov rather than just the transcript, sometimes you can see when the verification hold is removed before other systems update.
Verification delays are system-dependent. Processing times vary. Nine weeks is maximum estimate. Most resolve faster. Cycle 05 indicates Friday updates. Check transcript early Saturday morning. Identity verification backlog is significant this year. International verification adds complexity. TPP department works separately from regular processing. Patience is unfortunately required.
The IRS verification system is like a series of locked doors, where each key has to be passed from one department to another. Think of it as your verification completing successfully (first door unlocked), but then the system needs to notify the processing department (second door), which then has to integrate with the refund issuance system (third door). Your cycle code is just which day of the week your particular hallway gets checked for unlocked doors. Most people get through all doors in 2-3 weeks, but sometimes a key gets delayed between departments.
7d
According to IRM 25.23.2, identity verification cases should be resolved within 21 days of successful verification per the Internal Revenue Manual guidelines. However, Treasury Regulation 301.6402-2 allows for extended processing when additional review is required. I've worked with numerous clients in similar situations, and cycle 05 typically indicates batch processing occurring Thursday night into Friday morning. Your diligence in tracking these details is commendable.
7d
Your situation is actually better than what happened to me last year. I had 2 dependents and my refund was delayed until APRIL, while my sister who filed with no dependents got hers in 10 days. The difference is like night and day. Returns with dependents get extra scrutiny, but they DO process eventually. The system is working as designed, just not as quickly as we'd like. I'd start worrying after 60 days, not at the 30-day mark where you are now.
Call the Taxpayer Advocate Service. They can help. They're separate from regular IRS. They handle hardship cases. Financial strain qualifies. Have your return info ready. Be specific about your needs. Document everything. The number is 877-777-4778. They might ask for Form 911. Worth trying if you need that money soon.
Amy Fleming
Your situation is similar to what happened with my brother-in-law, but different from what happened with my cousin. My brother-in-law received a CP59 for 2022 in March 2024, even though he had filed in April 2023. His return had been selected for manual review (similar to an audit but not officially an audit). Compared to my cousin who never filed and got the same notice, the resolution was completely different. My brother-in-law's transcript updated after about 4 weeks with no action needed from him, whereas my cousin had to actually file the missing return and pay penalties. The non-filing letter disappeared from his transcript about 2 weeks after the update.
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Alice Pierce
IMO ur best bet is to check WMAR (Where's My Amended Return) if u filed an amended return, or check WMR (Where's My Refund) if original. The CP59 notice sometimes gets triggered when there's a mismatch btwn ur SSN and the name format on ur return. Had this happen to me when I got married and changed my name but the SSA hadn't processed my name change yet. Another option is to request ur wage & income transcript from the IRS to make sure all ur W-2s and 1099s were properly reported under ur SSN.
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