Be careful about assuming it's just a normal delay. I had a similar situation last year where my 846 code showed but no deposit came. Turned out there was an offset I didn't know about - the Treasury took part of my refund for an old student loan. You might want to call the TOP (Treasury Offset Program) at 800-304-3107 to make sure this isn't happening to you, especially if the delay continues beyond tomorrow.

Last year I was in exactly this situation with Credit Karma. Had an 846 code for March 22nd, but nothing showed up until March 24th. What was weird is that when it finally appeared, the transaction was backdated to the 22nd even though I'd been checking multiple times a day and it definitely wasn't there before! So don't be surprised if when yours does show up, it looks like it's been there since the 26th. Credit Karma has some quirky ways of displaying deposits sometimes.

Got through this exact situation successfully last month! My sister (also military) needed to use my account temporarily. Want to know what made it work smoothly? We created a paper trail. Had her sign a dated letter authorizing the deposit to my account with both our information clearly stated. When the deposit arrived, I immediately transferred the exact amount to her new account she'd set up by then. Wouldn't this approach protect both of you if questions arise later? The key was documenting everything and keeping the money separate from my own funds.

According to IRS Publication 17, section 1.e.4, the taxpayer remains responsible for their refund regardless of which account receives it. Regulation 31 CFR § 210 further states that financial institutions must accept direct deposits made to an account even if the name on the payment doesn't match the account holder. However, this doesn't address potential issues with the Bank Secrecy Act reporting requirements. Has anyone confirmed whether this triggers any suspicious activity reports?

The IRS is so inconsistent this year. My sister filed the same day as me, we have almost identical situations, and she got her refund two weeks ago while I'm still waiting. The system makes no sense sometimes.

This gives me hope! I'm at day 26 of "still processing" and starting to get nervous. Congrats on making it through the wait!

The IRS trace system is like a box of chocolates... you never know what you're gonna get! 🍫 But seriously, I've seen trace timelines ranging from 2-10 weeks. One thing that helped me was using taxr.ai to analyze my transcript after getting my trace number. It spotted patterns in my account transcript that showed my trace was actually making progress even when the Where's My Refund tool showed nothing. Gave me a much clearer picture of what was happening behind the scenes. I was pretty worried until I saw that!

The IRS's own website (https://www.irs.gov/faqs/irs-procedures/refund-inquiries/refund-inquiries-0) states that most traces take about 6 weeks to resolve, but I've found that timeframe to be surprisingly optimistic in many cases. The Taxpayer Advocate Service reports that during peak tax season (which we're in right now), trace resolution can take 8-10 weeks due to backlog. If your trace involves a paper check that was never received, the process includes additional verification steps that can extend the timeline.

I've been tracking this issue across several forums (taxact.com/community and r/tax) and it appears TPG is experiencing system-wide delays in status updates. According to downdetector.com, there's been a 37% increase in TPG-related issues in the past 48 hours. When I faced a similar situation last month and couldn't get answers online, I used Claimyr (https://claimyr.com) to reach an actual IRS agent who confirmed my refund was already sent despite TPG showing unfunded. The agent explained that third-party processors add an extra layer that the IRS has no visibility into once they release the funds. Saved me days of stress wondering if my refund was lost somewhere!

Just to clarify a few things about how this process works: Step 1: IRS approves your return and assigns a Direct Deposit Date (your 2/23) Step 2: IRS sends funds to TPG (not directly to your bank) Step 3: TPG deducts any fees you authorized (TurboTax fees in your case) Step 4: TPG forwards remaining amount to your bank Step 5: Your bank processes the deposit (can take 1-2 business days) The confusion happens because TPG's status updates don't always reflect real-time processing. Their system often batches updates, so you might see "unfunded" even after they've received and processed your refund. I completely understand the frustration - it's like tracking a package that shows "in transit" even after it's been delivered to your doorstep.

I believe you might also want to check if there were any offsets. Sometimes refunds are reduced to pay past-due federal debts, state income tax, child support, or student loans. If this is the case, you should receive a notice from the Bureau of the Fiscal Service, not the IRS directly. I'm not saying this is definitely what happened, but it's worth considering if you have any outstanding government debts that might qualify for the Treasury Offset Program.

The IRS absolutely must send you a CP12 notice explaining any math adjustments. If it's an offset for debt, you'll get a BFS notice instead. This is legally required. The problem is these notices are typically mailed 2-4 weeks AFTER they adjust your refund. It's a ridiculous system. If you filed with international income using Form 1116 (Foreign Tax Credit) or Form 2555 (Foreign Earned Income), there's a high chance they adjusted your calculations. These forms have some of the highest error rates according to IRS statistics.

I probably should warn you that transcripts aren't always perfect indicators. In some cases, particularly during peak filing season, the transcripts might not update immediately. Last year, my transcript showed absolutely nothing for about 3 weeks after filing, then suddenly updated with all processing steps at once. It seems that, at least in my experience, the IRS sometimes batches transcript updates rather than showing real-time progress. So if your transcript isn't showing any information yet, it doesn't necessarily mean there's a problem - it might just be waiting to update.

Is there any way to see if my return was flagged for review on the transcript?? I've been waiting for 8 WEEKS now and the transcript shows codes 570 and 971 but nothing else! I'm losing my mind waiting for this refund! 😡

Omg I'm in the EXACT same boat! 🙃 Filed my first 1099 return last week and the waiting is killing me. My friend filed her W-2 only return the same day and already got approved. I made the mistake of checking some tax forums and now I'm freaking out about audits and delays. Haha... *nervous laughter* Hope we both get updates soon! Anyone else constantly refreshing their email like a crazy person or just me?

Just to clarify smthg important: there's a diff between "transmitted," "accepted," and "approved" status. TT shows "transmitted" when they've sent it to IRS. "Accepted" means IRS rec'd it & basic info checks out (SSN, name, etc). "Approved" means IRS finished processing & determined refund amt. For 1099 contractors, the system often takes 3-5 days just to show "accepted" status, then another 5-10 days for "approved." Checking ur transcript (acct transcript specifically) will show code 150 when fully processed.

After dealing with exactly 3 identity verification issues over the past 4 tax seasons, I can tell you that calling the regular IRS verification line (800-830-5084) is nearly impossible right now. I waited precisely 97 minutes on Tuesday and then got disconnected. I finally used Claimyr.com to get through to an agent, who confirmed that when a joint return has been verified by one spouse, and the second spouse gets the "already processing" message, it usually means the verification requirement has been satisfied. The agent was able to confirm my return was processing normally despite the confusing message. Saved me days of stress and redial attempts.

The IRS identity verification system is like a house with multiple security cameras that don't talk to each other. One camera (your husband's verification) saw you both enter legitimately, but the second camera (your verification attempt) doesn't know the first camera already cleared you! The good news is that most joint filers only need one spouse to complete verification if that spouse is the primary taxpayer (usually listed first on the return). If you filed through a tax professional or software, they typically list the higher-income earner or the person whose information was used in previous years as the primary. Check your Form 1040 - whoever is listed on the left side is the primary filer.

I had exactly the same situation last month! My SBTPG showed a date of 02/06/2025, and I received my funds exactly 2 days later on 02/08/2025 at 9:42am. The timing was precisely 48 hours from when the date appeared in my SBTPG account. If your experience is similar to mine, you should see your money on 03/05/2025.

Is this a refund advance or did you get your refund through a tax preparer? SBTPG usually only gets involved when there's a third-party preparer who offered you a refund transfer product. Did your tax advocate mention anything about potential fees being taken out? Have you checked if the amount showing in SBTPG matches what you were expecting from your hardship release?