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I successfully navigated this same issue last year with my December baby! Isn't it ridiculous that government systems don't talk to each other better? I initially tried calling the IRS regular number but couldn't get through for days. Finally went with paper filing and included a photocopy of my baby's social security card and birth certificate. Wrote "NEWBORN SSN VERIFICATION ISSUE" in red at the top of my 1040. Got my full refund with EIC about 7 weeks later. Would it be faster if their systems worked properly? Of course! But at least there's a proven solution.
I'm dealing with something very similar right now! My baby was born in October 2024, got the SSN card in November, but I'm getting the same error 0132 when trying to e-file. It's so frustrating because like you said, I've verified everything multiple times - the SSN matches the card exactly, birthdate is correct, name spelling is perfect. Based on what everyone's saying here about database sync delays, it sounds like paper filing might be our only option. Has anyone had success calling the IRS to confirm whether their specific newborn's SSN is in the system yet, or is that just a waste of time given how backed up they are right now?
Don't stress! It's totally normal for WMR to lag behind after acceptance - I've seen it take anywhere from 24 hours to a full week sometimes. The system gets overloaded during peak season. If you want more detailed tracking than what WMR provides, you could always check your tax transcripts directly through the IRS website or try one of those transcript analysis tools people mentioned above. But honestly, if you got the acceptance email, you're good to go - just gotta wait for the system to catch up!
Just wanted to add something important that might affect your decision between superseded vs amended - if you're doing the backdoor Roth conversion, you'll need to report both the recharacterization AND the conversion on your return using Forms 8606 and possibly 1099-R reporting. A superseded return might be cleaner here because you can report everything as one cohesive filing rather than having the original return show incorrect Roth contributions and then an amendment trying to explain the backdoor process. The IRS matching systems sometimes flag discrepancies between what custodians report (via 1099-R forms) and what's on your return, so having everything properly aligned from the start could save you from getting automated notices later. Also, since you mentioned you already got your refund - if the backdoor Roth process changes your tax liability, you might owe additional taxes or be entitled to a larger refund. With a superseded return, this gets calculated fresh. With an amended return, you're working off the original calculation which can sometimes make the forms more complicated to fill out correctly. Whatever route you choose, make sure your tax pro has experience with backdoor Roth reporting - it's one of those areas where small mistakes can create big headaches with the IRS later!
This is exactly the kind of detailed insight I was hoping for! The point about IRS matching systems flagging discrepancies between custodian reports and tax returns is something I hadn't even considered. That alone makes me lean toward the superseded return if I'm still within the deadline. Quick follow-up question - when you mention the backdoor Roth process potentially changing tax liability, are you referring to the pro-rata rule if someone has existing traditional IRA balances? I think I'm clean on that front since we don't have any other IRAs, but want to make sure I'm not missing something else that could affect the tax calculation. Also really appreciate the warning about making sure whoever I hire has specific experience with backdoor Roth reporting. Sounds like this is definitely not the time to go with the cheapest option!
Just went through this exact situation a few months ago! One thing that really helped me decide was understanding that if you've already received your refund and are still before the filing deadline, you CAN file a superseded return, but you'll need to include payment for any refund amount that needs to be returned based on your corrected calculations. In my case, the backdoor Roth conversion actually increased my tax liability slightly (due to some Traditional IRA balances I had forgotten about triggering the pro-rata rule), so I had to send in additional payment with my superseded return. My tax preparer said this is pretty common and the IRS handles it routinely. The key advantage I found with the superseded approach was exactly what Carmen mentioned - cleaner reporting of the recharacterization and conversion transactions. When everything is reported correctly from the start, there's less chance of getting those automated CP2000 notices later when the IRS computers try to match up your 1099-R forms from your IRA custodian. One tip: make sure to keep detailed records of all the dates when your recharacterization and conversion transactions actually settled. The IRS wants to see that everything happened in the correct order and timeframe, especially if you're doing this process after initially filing your return.
This is super helpful, especially the point about potentially owing additional payment with a superseded return if your tax liability increases. I hadn't thought about how the pro-rata rule could come into play - that's exactly the kind of complexity that makes me realize I definitely need professional help with this. Quick question about the timing you mentioned - when you say you need to keep records of when the recharacterization and conversion transactions "settled," are you referring to the trade date or the settlement date? My IRA custodian shows both dates on their statements and I want to make sure I'm documenting the right ones for the IRS. Also, did you have any issues with your custodian processing both transactions quickly enough to get everything done before you filed your superseded return? I'm worried about running up against the deadline while waiting for the transactions to complete.
Wait till you start seeing all the freeze codes and holds... then you'll really need a decoder ring š¤”
The IRS really needs to make these things easier to understand for regular people. Like why do we need a PhD in transcript reading just to know when they got our paperwork? š¤
Its actually ridiculous. Their whole system is stuck in 1985
Totally agree! They could at least add some plain English explanations next to the codes. Would save everyone so much frustration and time spent googling what TC 150 means š¤
Mei Chen
Pro tip: check your transcript instead of WMR. Its more accurate and updates faster. You can pull it on irs.gov if you make an account
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Liam O'Sullivan
ā¢this!! transcripts never lie
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Andre Dubois
Don't stress too much! I filed around the same time last year and it took almost a week before WMR updated. The IRS processing centers are slammed right now with early filers. As long as you got the transmission confirmation from TurboTax, you're good. The system just needs time to catch up. If you're really anxious, try checking your transcript like others mentioned - it usually shows acceptance before WMR does.
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Dylan Fisher
ā¢Thanks for the reassurance! This is my first time filing so early and didn't realize the systems get so backed up. Will definitely check my transcript tomorrow if WMR still shows nothing. Appreciate everyone's help! š
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