Has anyone used the IRS transcript service for this? You can request a complete tax transcript that includes all filed schedules by using the Get Transcript tool on irs.gov. My bank actually preferred this over copies I provided because they knew it was coming directly from the IRS and included everything.

Great question! I went through this exact same situation with my credit union last year. The key thing to understand is that when banks say "ALL schedules," they literally mean every single schedule that was filed with your return, even if it shows zero amounts or doesn't seem relevant to your business. For your single-member LLC situation, you've covered the main ones (C, SE, and 1), but they might also want to see: - Schedule 2 (Additional Taxes) - if you had any additional taxes beyond what's on the main form - Schedule 3 (Additional Credits and Payments) - shows any tax credits you claimed - Any other schedules that were part of your original filing The easiest approach is to send them a complete copy of everything you filed with the IRS, including all pages. Banks often use third-party verification services that expect to see the entire return package exactly as it was submitted. If you're not sure what you originally filed, you can get an official tax transcript from the IRS website (irs.gov/individuals/get-transcript) which will show exactly what schedules were included in your return. This is actually what many banks prefer since it comes directly from the IRS. Don't stress too much about it - this is a standard request and once you provide everything, the process usually moves pretty quickly!

If your refund went to a wrong account, it'll eventually get rejected and the IRS will mail you a paper check. But it takes FOREVER. Mine took 9 weeks after the failed direct deposit attempt. Just be patient, it'll come eventually...

This exact thing happened to me last year! The IRS sent my $4,200 refund to an account with completely different last 4 digits than mine. Turns out there was a data entry error somewhere in their system - my correct account info was on my return but somehow got scrambled in processing. Here's what worked for me: I filed Form 3911 (refund trace) by certified mail and also managed to get through to an agent who confirmed the deposit went to a non-existent account. Since the account didn't exist, the bank automatically rejected it after about 10 business days, and the IRS issued me a paper check. The whole process took about 6 weeks from when I filed the trace form. Keep checking your mail - sometimes the paper check arrives before you get any notification that it was issued. Also grab your account transcripts online if you can - there might be rejection codes that show what happened. Don't panic too much - if it truly went to the wrong place, the IRS has procedures to fix it. It's just frustratingly slow. Good luck!

FYI - I used TurboTax for a similar situation and it specifically asked if I maintained a home for a qualifying person, not just a dependent. The software correctly determined I could use QSS status even though my daughter made too much to be claimed as a dependent. Just make sure whoever does the amended return understands this distinction. Some tax preparers get confused and think QSS requires a dependent, but it actually requires a qualifying person who lives in the home.

This is a great discussion! I just wanted to add one more important point that might help with your decision-making process. When calculating whether your brother provided more than half the cost of maintaining the home for QSS purposes, make sure to include ALL qualifying household expenses for the entire year. This includes mortgage payments (principal and interest), property taxes, homeowners insurance, utilities (electric, gas, water, trash), home repairs and maintenance, and food consumed at home. Don't forget about things like HOA fees if applicable, or heating oil/propane if you use those. For 2023 specifically, since your niece earned $6.2k, you'll want to subtract any amount she contributed toward these household expenses from your brother's total. If she paid for groceries, utilities, or any home maintenance costs, those reduce the amount your brother can claim he provided. The good news is that if your brother is paying the entire mortgage and most utilities, he's likely well over the 50% threshold even with her income. Just document everything carefully in case the IRS asks for support during processing.

I just want to echo what everyone else has said here - this is almost certainly a scam! The fact that they're directing you to a non-.gov website is the biggest red flag. I fell for something similar a few years ago and learned the hard way. One thing I haven't seen mentioned yet is that you can actually check if you owe the IRS any money for FREE by creating an account on the official IRS website (irs.gov) and looking at your "Tax Account" section. It will show you exactly what you owe, if anything, and any payments you've made. This way you'll know for sure if there's a legitimate debt before you even call them. Also, keep that fake letter as evidence when you report it to the IRS fraud department. They use these samples to help identify and shut down scam operations. Stay safe out there!

I'm dealing with something very similar right now! Got a letter yesterday with a CP503 notice code claiming I owe $3,247 from my 2022 return. Like yours, it had a suspicious website (irs-taxresolution.net) instead of the official irs.gov site. The letterhead looked convincing but something felt off about the whole thing. After reading through all these responses, I'm definitely not going to that website or calling their number. Going straight to the official IRS website to create an account and check my actual tax records. It's so frustrating that scammers are getting this sophisticated - they're really preying on people's fear of the IRS. Thanks to everyone who shared their experiences and tips here. This thread is going to save a lot of people from falling for these scams!

I think you're in pretty good shape compared to some situations I've seen. The community wisdom around here is that PATH Act returns with changing as-of dates but stable processing dates are usually just working through the system normally. In my experience (and I've filed PATH Act returns for 6 years now), the pattern you're describing typically resolves with a deposit 1-2 weeks after your last as-of date change. The real red flags would be if you saw a 570 code without a 571 resolution, or if your processing date started moving backward, or if you got a 9001 code (verification needed).

I completely understand the anxiety around filing changes after a divorce - you're definitely not alone in that feeling! As someone who went through a similar situation a few years back, I can tell you that the IRS system does take extra time when you're switching from married filing jointly to head of household, especially with custody-related credits. The pattern you're describing (accepted 1/16, as-of date moving but processing date stable at 2/17) is actually really common for PATH Act filers with new HOH status. I tracked my own return obsessively that first year and saw the exact same thing - as-of date jumped from 2/14 to 2/21 to 2/28 before I finally got my 846 code. One thing that helped me sleep better was understanding that the IRS automated systems are actually pretty good at catching legitimate returns versus fraudulent ones. Your return moving through the system with regular updates is a good sign that everything is processing normally, just slowly. Hang in there - based on what you've shared, you should see that 846 code soon!