Pro tip: early morning updates usually happen around 3-6am EST. Late night crew knows whats up lol

Just went through this last week! E-filed on Tuesday and it showed up on my transcript Thursday morning. The Return Transcript updates first like Brady mentioned, then the Account Transcript follows a day or two later. Since you filed Sunday, you're probably looking at Wednesday/Thursday for it to appear. The IRS systems definitely don't process over weekends so that adds to the delay.

Have you checked if someone claimed you as a dependent? If someone else claimed you and they had Marketplace coverage, that could potentially cause this issue too.

I went through almost the exact same situation last year! The key is to carefully review every single health insurance question in your tax software. What likely happened is that somewhere in the process, you accidentally indicated that you either: 1. Had Marketplace coverage 2. Received advance premium tax credits 3. Expected to receive a 1095-A form Even if you think you answered everything correctly, go back through each healthcare-related screen one by one. Sometimes the software auto-fills answers based on previous responses, or there might be a confusing question that you interpreted differently than intended. Also, make sure you're selecting the right option for your actual coverage situation. If you had other insurance (employer, spouse's plan, etc.), select that. If you had no coverage at all, there should be an option for that too. Once you find and fix the incorrect answer, your return should go through without needing a 1095-A. The rejection happens because the IRS computer system sees a mismatch between what your return claims and what forms they expect to receive.

I see the "just keep calling" advice a lot, and honestly, it reminds me of the time I tried to reach my ex at 2am after a breakup... persistent but not very effective! 😂 Seriously though, I used to be in the "just use the free tools" camp until I had a complicated issue last year. The free tools are great for basic stuff, but they don't really explain what's happening with your specific situation. The IRS transcript looks like it was designed by someone who hates humans - all codes and dates with zero explanation. Sometimes paying a few bucks to save hours of frustration is worth it. But hey, if you've got unlimited time to sit on hold or decipher IRS hieroglyphics, more power to you!

Thanks for asking this question! I'm dealing with something similar and it's good to see I'm not alone. Based on what everyone's saying, it sounds like we're both stuck waiting for the refund to go to our old accounts (if they're still open) or getting paper checks if not. One thing I'm wondering - has anyone here actually tried to contact their bank to see if they can help redirect the deposit once it hits? I know some banks have policies about forwarding funds to new accounts for a certain period after closure. Might be worth a shot before we resign ourselves to the paper check wait time. Also @CosmicCruiser, I saw you mentioned switching banks for medical bills - have you considered just transferring the money once it hits your old account? That might be faster than waiting for a paper check if your old account is still active.

Don't overlook your state tax obligations too! When I had federal tax issues, I stupidly ignored the state taxes thinking I'd deal with them later. Big mistake - some states are actually MORE aggressive than the IRS with collections. Make sure you're addressing both federal and state tax debts at the same time. In my case, the payment plan with the state was actually harder to get than the IRS one.

I've been through this exact situation - owed $27k to the IRS after some freelance work got misclassified. The anxiety is absolutely brutal, but you have more options than you think. First thing: breathe. The IRS actually wants to work with you because they know they can't collect from someone who's broke or homeless. They'd rather get paid something over time than nothing at all. Here's what worked for me: I immediately called the IRS (yes, the hold times are terrible but it's worth it) and requested an installment agreement. With your income level, you'll likely qualify easily. They'll want financial statements showing your monthly income and expenses, so gather those up. The key is being proactive. If you wait for them to come after you, your options become more limited and expensive. But if you reach out first, they're usually pretty reasonable. Also, file your tax return ASAP even if you can't pay. The penalty for not filing is 5% per month vs 0.5% per month for not paying. That adds up fast. One more tip: ask about first-time penalty abatement if this is your first major tax issue. It can save you thousands in penalties. You have to specifically request it though - they won't offer it automatically. You've got this. It's scary but totally manageable with the right approach.

Warning from someone who's been there: I ignored a CP2000 notice dated January 15, 2023, thinking I'd deal with it after I got my refund. Big mistake. By February 28, 2023, they had flagged my account, and my refund that should have arrived by March 7, 2023, was held until July 22, 2023. Even after I responded on April 5, 2023, it took them 3 more months to process everything and release my refund. Don't be like me - respond by April 1st at the latest, not right at the deadline. The IRS moves at glacial speed, but they're very efficient at holding your money.

Hey there! I'm dealing with something similar right now - got my CP2000 notice about three weeks ago for my 2022 return. What I've learned from calling the IRS (after waiting forever on hold) is that the key timing factor is whether you respond before the deadline. In my case, they told me that as long as I respond by the date on the notice with proper documentation, my 2023 refund should process normally. The agent explained that CP2000 notices are handled by a different department than current year refunds, so they don't automatically freeze everything. However, she did warn me that if I miss the deadline or if there are any complications with my response, that's when they might put a hold on future refunds. So definitely don't wait until the last minute like I almost did! One thing that helped me was organizing all my 2022 tax documents first before calling, so I could reference specific forms and amounts while talking to them. Made the conversation much more productive than my first call where I was just panicking. Good luck with your response - sounds like you're being proactive about it which is exactly what you should be doing!