Had the EXACT same issue. Filed 2/8, transcript showed zilch until 4/1. Then boom - everything updated at once. Got my DD 3 days later. IRS is just super behind this yr. Btw, I called the tax advocate hotline (877-777-4778) after wk 6 and they confirmed my return was "in the system" even tho transcript said otherwise. The systems don't talk to each other properly. Hang tight - prob nothing wrong w/ ur return.

I'm going through the exact same thing right now! Filed on 2/13 and my transcript still shows "no tax return filed" - it's been driving me crazy. Reading through everyone's experiences here is actually really reassuring though. I did receive an acceptance confirmation from TurboTax, so I know it made it to the IRS, but like many of you mentioned, the transcript system seems to be completely out of sync with their processing system this year. I've been checking every Friday hoping for an update but nothing yet. @Admin_Masters - thank you for mentioning the identity verification possibility! I hadn't considered that the letter might have gotten lost. I'm going to call that number you provided just to rule it out. Better to be proactive than wait another month wondering. It sounds like most people who experienced this eventually got their transcripts updated all at once, followed by their refunds pretty quickly after that. Fingers crossed we're all in that same boat! 🤞

Has your wife's income changed? When both spouses work, your withholding is affected by combined household income. If her income increased significantly, that might explain the higher withholding at your new job. Another thing to check - did you fill out the "multiple jobs" section (Step 2) of your W-4 differently between employers? That can make a huge difference.

Another thing to consider - are you being paid on the same schedule? You mentioned both are semi-monthly, but if the pay periods fall differently in the calendar year, it can affect how the withholding calculations work. Also, some payroll systems default to higher withholding rates for new employees until they have a full year of data. This is especially common with ADP - they tend to be more conservative with withholding calculations to avoid underpayment penalties. I'd recommend comparing your actual tax liability using a tax calculator to see if you're going to get a huge refund. If so, you might want to adjust your W-4 to reduce the withholding. The IRS withholding calculator that was mentioned earlier is perfect for this.

Watch out for minimum reporting thresholds too! I had a similar CD situation and didn't get a 1099-INT at all because my interest was under $10. The bank isn't required to issue a 1099-INT if the interest is below $10, but you still have to report it on your taxes. I ended up having to calculate it myself from my statements. Don't assume that no 1099-INT means no taxable interest!

Based on your situation with a 3-month CD from November to February earning $103 in interest, you'll most likely receive just one 1099-INT for this tax year (2025). Since your CD was a traditional term deposit that paid all interest at maturity in February, that's when the interest became "constructively received" for tax purposes. The key factor is that you couldn't access the $103 in interest until the CD matured - it was locked up with your principal. Even though the interest was accruing monthly, you didn't have unrestricted access to it until February 2025, so that's the tax year it gets reported in. Your bank's conflicting answers probably stem from different reps not understanding your specific CD terms. I'd recommend checking your original CD agreement to confirm whether interest was paid at maturity (most common) or if there were any interim interest payments. If it was all paid at maturity, expect one 1099-INT next January for filing your 2025 taxes.

Just to add another perspective - I've been selling on eBay for years and it's worth setting up a simple bookkeeping system from the start. Even just a spreadsheet with columns for item description, date purchased, purchase price, date sold, sale price, fees, and net profit/loss. Way easier than trying to reconstruct everything at tax time.

One more tip that really helped me when I was in your exact situation - consider opening a separate checking account just for your eBay activities, even if you're not sure if this is going to be a regular business yet. I started doing this after my first year of decent eBay sales and it made tracking everything SO much easier. All the PayPal deposits go into that account, and I pay for shipping supplies, packaging materials, and any items I buy to resell from that same account. At the end of the year, it's super easy to see exactly what came in vs. what went out. Also, since you mentioned you're past the $600 threshold and will get a 1099-K, definitely keep in mind that the IRS gets a copy too. So even if some of your sales were at a loss, you'll want to be able to document that on your return. The 1099-K just shows gross payments received - it doesn't account for your original costs or the fact that some items were sold at a loss. For quarterly payments, if you think you'll owe more than $1,000 in taxes on your eBay income after deducting all your costs and losses, then yes, you should probably start making estimated payments to avoid penalties. The IRS has a form 1040ES that helps you calculate this.

Can you reach out to any other family members who might be able to help as a go-between? Sometimes having a neutral third party can help in these situations. Otherwise Form 4852 is exactly what it's designed for - situations where you can't get a W-2 but need to file your taxes.

I'm dealing with a similar family business situation right now, so I really feel for you. One thing that might help is checking if your family's business uses any payroll service like ADP, Paychex, or QuickBooks Payroll. Sometimes you can get your W-2 directly from the payroll company's website even if you can't contact your employer directly. Also, if you have any old login credentials for a payroll portal or employee self-service site, those might still work. I was able to download my W-2 from our family business's ADP portal even after leaving because they never deactivated my account. If those options don't work, Form 4852 really is your best bet. The IRS designed it specifically for situations like yours where getting the W-2 isn't realistic. Just be as accurate as possible with your estimates and keep any documentation you have (paystubs, bank deposits, etc.) in case they ask questions later.