This is really encouraging news! I'm in almost the exact same situation - my refund was sent to a closed Credit Karma account from last year. I've been dreading having to deal with the IRS phone system after hearing all the horror stories about wait times. The fact that Credit Karma can handle this directly and just mail a check is such a relief. I'm definitely going to try their chat support tomorrow morning. Did they give you any timeline for when you might receive the check? Also, did you need to provide any additional documentation or verification during the chat, or was it pretty straightforward once they confirmed they had received your refund? Thanks so much for sharing this - you probably just saved a bunch of us a lot of stress and time!

This is such a relief to hear! I've been dealing with a similar nightmare - my refund went to a closed Chime account and I've been calling the IRS for over a month with no luck getting through. I had no idea that some banks could handle this by mailing checks directly instead of just bouncing everything back to the IRS. Just to be safe, I'm going to follow the advice from @a05e8abdb230 and screenshot everything when I contact Chime tomorrow. After reading about people having promises made with no follow-through, I definitely want to have documentation of any commitments they make. Has anyone else had success with other banks doing this same thing? I'm curious if this is becoming more common or if Credit Karma is just being unusually helpful here. Either way, thanks for sharing this update - you might have just saved me weeks of additional waiting!

Quick question - if I take the standard deduction this year after itemizing last year, will that raise any red flags with the IRS or increase my chances of being audited? My tax situation is similar to OP's.

One thing to keep in mind is that TurboTax's recommendation system is generally pretty solid when it comes to standard vs itemized deductions. The software runs both calculations in the background and automatically selects whichever gives you the lower tax liability (or higher refund). Since you mentioned your itemized deductions were around $15,900 last year and the 2024 standard deduction is $14,600 (single) or $29,200 (married filing jointly), there might be other factors at play. Did you have any changes in your filing status, income level, or maybe some deductions that no longer qualify? Also worth noting that some people find their itemized deductions naturally decrease over time - mortgage interest decreases as you pay down principal, and sometimes charitable giving patterns change. The "sweet spot" for itemizing has definitely shifted upward with the higher standard deduction amounts. If you want peace of mind, you can always manually override TurboTax's recommendation and force it to itemize, then compare the final tax amounts side by side. But in most cases, the software is making the mathematically correct choice for your situation.

Called the IRS and sat on hold for 2 hours just to be told to wait 21 days... like thanks for nothing 🤮

I'm in a similar situation with cycle 05 and feeling the same anxiety! Filed early February and my transcript shows processing date of 2/26 but still no movement. The waiting is killing me too, especially when you're counting on that money. One thing I noticed from your transcript details - your refund amount is actually $3,388, not $2,388 like someone mentioned earlier. The math checks out: $2,640 withholding + $1,262 EIC - $514 tax = $3,388 total refund. Since you have EIC, the PATH Act requires them to hold refunds until at least February 15th, and with processing backlogs it can take even longer. Your cycle 05 means weekly updates, so definitely check your transcript again this Friday. Hang in there - based on what others are saying, movement should happen soon! The fact that your transcript shows all the right codes and no errors is a good sign.

Is anyone else annoyed that investment companies wait until the LAST possible minute to send these 1099 forms?? My friend already filed his taxes and then got a corrected 1099 and had to amend everything 😡

Welcome to the world of investing taxes! As someone who went through this exact same confusion when I started, I totally get how overwhelming it feels. The good news is that with $890 invested, your tax situation is going to be pretty straightforward. Here's what you need to know: You'll likely receive a 1099-DIV showing any dividends your investments earned (probably a small amount), and possibly a 1099-B if you sold any investments during the year. Even if the amounts are tiny, you still need to report them. The key thing is DON'T PANIC if you get the forms late - sometimes they don't arrive until February or even get corrected in March. Just make sure you wait to file your taxes until you have all your investment documents. Since this is your first year, I'd recommend using tax software like TurboTax, FreeTaxUSA, or H&R Block online. They all have sections specifically for investment income and will walk you through exactly where to enter the information from your 1099 forms. The software makes it much less scary than it seems! You're being smart by asking questions early. Better to understand this stuff now while your investments are small than to be scrambling later when you hopefully have much more invested!

I'm having the same issue with a client's adopted child - SSN was issued in February and we're still getting the rejection. Did you end up paper filing or waiting? I'm trying to decide what to tell my clients about timeframes.

Just dealt with this exact scenario last month! Had a client with twins born in late November, SSNs issued in December. Same rejection code you got. What worked for us: I called the practitioner priority line (as Mason mentioned) and the rep actually walked me through a workaround. There's a specific form you can attach to a paper return called Form 8948 that expedites processing for SSN database mismatches. The key is writing "NEW DEPENDENT SSN - DATABASE MISMATCH" in red ink across the top of the first page. We paper filed with this approach and got the refund processed in just under 5 weeks, which was way faster than the 8-12 weeks they initially quoted. The rep also mentioned that February-March is actually prime time for these issues since so many December babies get their SSNs in January. One tip: make copies of everything and send via certified mail. The IRS has been losing a surprising number of paper returns lately, and you'll want that tracking confirmation.