Last year my friend with international income had a similar situation - blank transcript for weeks with cycle 05. When he finally called after 8 weeks, turns out his return had been selected for a "compliance review" because of foreign income reporting. They never sent a letter! The IRS agent told him international returns are frequently held for additional verification without notification. Not saying that's happening to you, but might be worth calling if you don't see movement by mid-March.

I'm going through the exact same thing! Filed January 28th, cycle 05, completely blank transcript, and that March 3rd "as of" date. It's so frustrating not knowing what's happening behind the scenes. What's really getting to me is that I carefully reported all my foreign income using Form 8938 and FBAR, thinking I was being thorough, but now I'm wondering if that's exactly why it's taking so long. Has anyone else noticed if having foreign accounts or income automatically triggers these extended reviews? I've been checking my transcript every Thursday night (since that's when cycle 05 updates) and literally nothing changes. At least knowing others are in the same boat makes me feel less alone in this waiting game! 😅 Thanks for posting this - sometimes you need to know you're not the only one dealing with IRS mysteries!

Can anyone explain like I'm 5 what these different 1095 forms mean? I have the same situation where I'm on my parent's plan but turning 26 soon and I'm scared of getting hit with surprise tax bills.

This is exactly why I always recommend getting a copy of your tax return before signing it and asking questions about anything you don't understand. A $10k surprise tax bill should never happen without clear documentation. Your situation sounds like a classic case of form confusion. Since you were on your parents' employer plan, you should have received a 1095-B (or possibly 1095-C if it's a large employer). These forms just prove you had qualifying health coverage - they don't involve any tax credits or payments that need to be reconciled. The Premium Tax Credit only applies to people who bought insurance through Healthcare.gov or state marketplaces AND received advance payments to help cover premiums. If you never applied for marketplace coverage, there's no way you could owe money for premium tax credits. I'd suggest: 1) Ask your CPA to show you the exact form and line numbers where this $10k liability is coming from, 2) Verify what health insurance forms (1095-A, B, or C) were used in your tax preparation, and 3) If they can't provide clear documentation, absolutely get a second opinion from another tax professional. Don't sign anything or pay anything until you understand exactly what's happening with documentation to back it up!

The IRS is so behind on everything idk why they even bother with deadlines anymore smh

Hey @89e38cc9669f! I had almost the exact same situation last month - 810 freeze for 16+ weeks with an as of date that kept jumping around. The January 2025 date doesn't necessarily mean a system error, but it could indicate they're processing your amendment in batches. What really helped me was getting a clear breakdown of what was actually happening with my case. I ended up using taxr.ai (https://taxr.ai) after seeing it recommended here so much, and honestly it was a game changer. It analyzed my transcript and showed me exactly why the freeze was happening and gave me a realistic timeline for when it would clear (which ended up being spot on). With the 1/27 deadline approaching, definitely call that number Chloe mentioned, but also consider getting that transcript analysis so you know exactly what you're dealing with. The IRS phone reps sometimes don't have the full picture, but having detailed info about your specific codes helps you ask the right questions. Good luck! 🤞

Just a heads up that RSU taxation can vary by country too! If you're outside the US or work for a multinational company, the rules might be different. I work for a US company but I'm based in Canada, and my RSU taxation is completely different from my US colleagues.

Yes, you absolutely should be able to get the official plan documentation! HR is required to provide you with the Stock Incentive Plan document and any RSU grant agreements you've signed. These documents will spell out exactly how withholding works, what fees might be charged, and the timing of various transactions. Ask HR specifically for: 1. The Stock Incentive Plan (or Equity Compensation Plan) document 2. Your individual RSU grant agreement(s) 3. Any summary plan descriptions they provide to employees If they're being unhelpful, you can also check if these documents are available in your employee portal or benefits website - many companies post them there. The plan document will clarify whether multiple withholdings are normal for your company's specific setup, and might explain that second transaction you're seeing. You have a legal right to this documentation as a plan participant, so don't let them brush you off!

Why do these tax preparers think they can hold our docs hostage like this? 🤮 the whole system is broken frfr

Ugh this is so frustrating! I went through something similar last year. The 810 freeze usually means they're questioning withholdings or credits on your return. Your preparer is required by law to give you a complete copy of your filed return - they can't just hold it hostage like that! I'd definitely file a complaint with the IRS about them. Also try getting your wage and income transcript directly from the IRS website so you can see what was actually filed. The good news is the 810 freeze shouldn't mess up next year's filing as long as you get it sorted out. Hang in there! 💪