I just went through this last month! Here's what I learned: • Code 570 = temporary hold on your refund • PATH Act is separate from code 570 issues • Most 570 codes resolve within 21 days • If you see a 971 code after, expect a letter • Many times it resolves automatically without you doing anything Mine cleared after 18 days exactly, and I got my refund 5 days after that. The hold was because they were verifying my W-2 information.

The Transaction Code 570 (Additional Account Action Pending) and PATH Act hold are two separate issues. The PATH Act hold should have resolved after February 15th as mandated by the Protecting Americans from Tax Hikes Act of 2015. Your 570 code is likely related to a verification process or discrepancy in your return. Check the date associated with the 570 code - this indicates when the hold was placed, not when it will be resolved.

Got my Chime deposit this morning! Had 2/22 DDD. SBTPG showed unfunded until late last night. Money appeared in Chime at 4:17am. No notification, just showed up. Check yours!

In my experience helping friends with this exact situation last year, SBTPG typically updates to funded status within 72 hours of your DDD. Since your DDD was 2/22 (Thursday), you're looking at potential funding by Monday/Tuesday. Chime typically releases funds within hours of receiving them from SBTPG. Last year, most people with Thursday DDDs saw deposits hit between Saturday-Tuesday. The unfunded status is completely normal at this point in the process. For future reference, if you need funds by a specific date for school expenses, filing at least 5-6 weeks before that deadline gives you the safest margin.

I'm wondering if perhaps there might be some confusion about what "funded" means in this context? Sometimes when SBTPG says a refund is "funded," they're referring to when they received the funds from the IRS, not necessarily when they've processed and sent them to your bank. Have you been able to log into your SBTPG account online to check the exact status there?

Just wanted to share some good news - I was in almost exactly your situation last Tuesday. SBTPG said it was sent, Chime said "tomorrow," but then I actually got it around 9pm that same night! Seems like Chime sometimes underpromises and overdelivers. Hope you see yours pop up tonight!

When you say you paid fees upfront, do you mean you didn't use the refund to pay for the tax preparation fees? I've heard that can cause delays but wasn't sure if that's what you meant.

This gives me hope! I'm in the exact same situation with Chime. Filed on February 14, got my DDD for February 28th, and I've been checking my account literally every hour. I know the IRS says they send the money on the DDD, but I've heard Chime usually deposits 2-5 days early. My transcript shows code 846 with the 2/28 date - does that guarantee the money is coming? This is my first time using a tax service other than TurboTax and I'm nervous about everything going smoothly.

There's definitely a widespread delay this season. It seems to be affecting perhaps 30-40% of early filers based on what I've gathered from various forums and social media groups. My return was accepted on 1/20, and I just finally got my DDD yesterday. The IRS is likely dealing with staffing shortages and possibly implementing new fraud detection measures, which could potentially be causing these delays.

I was in the exact same situation and finally got movement. Here's what worked for me: 1. First, I checked my transcript instead of WMR (transcript updated 5 days before WMR) 2. Then I looked specifically for cycle codes on my transcript 3. Next, I verified my refund amount matched what was listed 4. Finally, I checked for any 570/971 codes that might indicate a hold My return was accepted 1/23 and just got my deposit yesterday. Hang in there!

Oh man, I feel your pain! The 810 code is specifically for the IRS Fraud Detection program, but don't panic! This doesn't mean they think you committed fraud. It's just their automatic system flagging returns that meet certain criteria. The 570 code is just a temporary hold on your refund while they review. I'm actually really surprised they told you 180 days - that's their absolute maximum timeframe. Most of these reviews are completed much faster! Have you received any letters from the IRS yet? Usually they'll send a 4883C or 5071C letter if they need additional verification from you. If not, it might just be an automated review that will clear on its own.

TC 810 indicates an Unreported Income Program freeze, while TC 570 is a standard refund hold. The IRS AUR (Automated Underreporter) system likely flagged a discrepancy between your reported income and information they received from third parties. The 180-day timeframe is their standard maximum for these reviews, but internal IRS metrics show the average resolution time is closer to 75-90 days. Most taxpayers in this situation receive their refunds without any additional action required.

I got through last week by calling exactly at 7:01am Eastern Time. Called the main number (800-829-1040), pressed 1 for English, then 2 for tax questions, then 1 for individual taxes, then 3 for all other questions, then 2 for all other questions again, then 4 for all other inquiries. Had to enter SSN, then pressed 2 for any other reason. Waited 47 minutes but finally got a human who was actually super helpful.

I've called the IRS exactly 23 times over the past 2 tax seasons as a caregiver for my elderly parents. The most consistent method I've found is calling their main line (800-829-1040) precisely at 7:30am Eastern Time on Tuesdays or Wednesdays. My average wait time using this approach is 32 minutes, compared to 65+ minutes when calling later in the day. I keep detailed notes of which agents I speak with (including their ID numbers) and ask for direct transfer numbers when possible. This has reduced my resolution time by approximately 40% compared to starting from scratch each call.

Just wanted to share a positive experience! I filed an amended return through TaxSlayer in February 2024 for my 2023 taxes (had to correct some investment income) and it went pretty smoothly. Received confirmation of receipt from the IRS within 3 weeks, and my refund was processed in about 12 weeks total. The key was probably that I filed relatively early and made sure to follow all instructions to the letter. The TaxSlayer interface was actually quite helpful in walking through the process, though I'd definitely recommend setting aside at least 2-3 hours to complete everything properly.

According to IRS Publication 559 and Internal Revenue Manual 21.5.3.4.6.1, amended returns are processed by the Submission Processing Center and generally follow a different workflow than original returns. TaxSlayer's platform is fully compliant with current e-file requirements for Form 1040-X. However, there are limitations you should be aware of: 1. Per IRS guidelines, only amendments for tax years 2019 and later can be e-filed 2. Not all situations qualify for electronic filing of amendments 3. The IRS's current processing time for amended returns is approximately 16 weeks according to their operations status page If your amendment involves complex calculations or multiple supporting forms, you might consider consulting with a tax professional to ensure proper completion.

It might be worth checking if you have access to your IRS online account. In some cases, you can verify your identity directly through the online portal without waiting for a letter. The process is somewhat similar to the ID.me verification, but it's directly through the IRS system. If you're able to create or access your online account, you might see notices or requirements there that don't show up elsewhere. This approach possibly saved me weeks of waiting last year when I had a similar situation.

Been thru this exact mess last yr. Got 4 diff answers from IRS ppl. Here's what worked: I went to my local IRS office (had to make appt online first) and brought ALL my docs - ID, SSN card, tax return copy, etc. The lady there was super helpful and could see everything in their system. Turns out I DID need to verify but the letter was stuck in some queue. She verified me right there in the office and my refund was DD'd exactly 9 days later. No more waiting for letters or calling the 800 number. Sometimes ya just gotta show up in person to get the real deal info.

While this works for Navy Federal, be careful with other financial institutions. PNC Bank, for example, has a completely different policy compared to Navy Federal. I tried this same approach with them last tax season, and not only did they refuse to release the funds early, but I was told that repeated requests could flag my account for review. It's similar to how some merchants handle credit card authorizations versus actual charges - the policies vary widely between institutions.

Can someone clarify exactly what we're supposed to say when we call? Do we just ask them to release the pending deposit or do we need to mention specific regulations? And does this work for all types of tax refunds or only certain ones? I'm expecting my refund to hit my Navy Federal account any day now and could really use the money as soon as possible!