Just went through this last week. My codes were dated March 1st and I needed answers fast because I'm closing on a house next month. I used https://taxr.ai to analyze my transcript and it immediately identified this as a standard 45-day review pattern based on my specific codes and cycle date. The tool explained that my particular combination of codes was actually routine for returns with schedule C income. Saved me from panicking and making unnecessary calls. My transcript updated yesterday with the 846 code, exactly when taxr.ai predicted.

I've tracked these code patterns for the last three tax seasons, and here's what I've observed with same-date 570/971 combinations: • Processing time varies by tax situation: - Simple W-2 returns: typically 14-21 days - Returns with schedules (C, E, etc): 30-45 days - Identity verification issues: 45-60 days • Notice types matter: - CP05: Review without documentation needed (fastest) - CP75: Requires documentation (slower) - CP12: Math correction (medium speed) • Regional processing centers have different timelines: - Kansas City: Currently fastest (avg 18 days) - Austin: Medium (avg 24 days) - Fresno: Slowest currently (avg 32 days) Patience is unfortunately the main requirement here, but knowing these patterns helps set realistic expectations.

I've seen this scenario hundreds of times in my 15 years working with tax issues. Back in 2019, I had a client whose transcript showed "no return filed" for almost 6 weeks after e-filing. Turned out everything was fine - the return was just sitting in a processing queue. The transcript finally updated and the refund arrived 3 days later. The key indicator is that acceptance confirmation - as long as you have that, your return is in the system. The transcript database is often the last thing to update in the IRS pipeline.

After dealing with this exact situation last year and nearly having a breakdown over it, I can tell you it worked out fine. My business had its best year ever in 2022, and I was counting on that refund for equipment upgrades. Transcript showed nothing for almost a month while other people who filed after me were getting their money. So frustrating compared to how quickly banks process transactions! But the transcript suddenly updated on day 26, and I had my deposit 2 days later. The waiting is awful but hang in there.

I've been through this verification dance three times now! Last year was a nightmare - took almost 4 months to get my refund after verification. This year was much smoother. I actually found that scheduling an in-person appointment at my local Taxpayer Assistance Center was faster than trying to do the online verification. I walked in with my ID, answered a few questions, and was done in 20 minutes. My transcript updated three days later, and my refund hit my account two weeks after that.

Verification is separate from review. Different process. Many confuse these. Verification confirms identity only. Review examines return accuracy. Can happen sequentially. Verification first, then possible review. Check transcript codes. TC 570 with no TC 420 means hold, not audit. Normal after verification.

Be extremely careful with how you handle the verification process! On March 12th I received a verification letter, completed the online process on March 14th, but then received ANOTHER verification request on March 28th. I called on April 2nd and discovered the first verification was actually a sophisticated phishing attempt - not from the IRS at all! The timing was just coincidental with my real verification. The real IRS letter had a different control number format. Now I'm dealing with potential identity theft AND verification delays. Double-check every communication against official IRS channels.

I've been through three tax seasons with an IP PIN now. In 2022, I had to verify despite having the PIN. In 2023, no verification needed. This year, verification required again. From my conversations with the Taxpayer Advocate Service, the IP PIN primarily prevents someone else from filing under your SSN, but doesn't exempt you from the IRS's internal verification algorithms. These algorithms flag returns based on multiple factors including income changes, new credits claimed, address changes, etc. Your remote work situation might be triggering geographic inconsistency flags if your employer is in one state and you're working from another.

I experienced a Direct Deposit Change Delay (DDCD) with my CTC payment after switching to a new financial institution. The IRS Payment Processing System requires a verification period for new ACH routing configurations. I utilized Claimyr (https://claimyr.com) to connect with an actual IRS agent to confirm my payment status when it didn't arrive as expected. Saved me hours of hold time and the agent was able to verify exactly where my payment was in the system and when it would be released. For those in financial distress waiting on tax credits, the service fee was worth avoiding the uncertainty.

According to Internal Revenue Manual section 21.6.3.6.1.1, changes to direct deposit information require a processing period of 5-7 business days before becoming fully effective in the IRS Master File system. The Child Tax Credit Advance Payment Program operates under Treasury Regulation §1.6428B-1(b) which stipulates that banking information changes must complete verification protocols before funds disbursement. This verification process is a necessary security measure to prevent fraudulent redirection of payments. The IRS implementation of these security protocols is not a system failure but rather a deliberate protective measure for taxpayers.

I had this exact issue with my 2023 refund. Called the IRS after waiting 42 days from filing (direct deposit selected). The agent told me there was no trace number needed from me - they generated one during the call. The trace revealed my bank had rejected the deposit due to an account number typo. The entire process took 9 weeks from initiating the trace until I received a paper check in the mail. Make sure you have your exact refund amount, filing date, and filing status ready when you call.

Be very careful with this situation. My cousin had a similar issue last year where his refund showed as sent but never arrived. He waited too long to start the trace (over 90 days) and ran into major headaches. The IRS claimed it was delivered and put the burden of proof on him. Compared to my experience where I filed the trace at exactly 6 weeks, his took 5 months to resolve and required multiple calls. Don't delay - if your bank confirms nothing was received and it's been over 5 weeks for direct deposit, call immediately to start the trace.

The current situation with amended returns is quite different from regular returns. While a standard return might process in 21 days, amended returns are taking 20+ weeks in many cases. The number you want is 866-464-2050 for amended return status, but unlike the regular refund hotline, they follow strict protocols about when they can provide information.

Have you tried any of these options yet? • Where's My Amended Return tool on IRS.gov • IRS2Go mobile app • Creating an online account at IRS.gov to view your transcript • Contacting your tax preparer if you used one Just wondering what you've already tried before suggesting more options.

I was worried about spending money on a service too, but honestly, it saved me so much stress! The time I would have spent on hold is worth way more than what they charge. Plus, finding out early that my refund had an issue meant I could adjust my budget immediately rather than waiting weeks for a letter in the mail. When you're counting on that refund money for bills, knowing exactly what's happening is priceless. The peace of mind alone was worth it for me.

FYI - if ur DD date was 2/26 & still nothing, check transcript for TC 971 code. Sometimes they flip from DD to check w/o telling u. Also, many banks (esp Wells & BofA) holding tax refunds for 5-7 biz days this yr due to fraud concerns. TT batches usually hit accts by EOD on DD date but can take up to 5 biz days to clear banking system. Def call ur bank first, then IRS if needed.

Check your account name. Check your routing number. Verify your account number. I had issues last year. Simple typo. Cost me three weeks delay. Cash App works fine otherwise. IRS doesn't notify you of errors. You have to catch them yourself. Double-check everything.

The IRS deposit system is fascinating when you understand how it works. They send out batches of deposits 3-5 business days before the official DDD, and then it's up to the financial institutions to hold them until the proper date. Some banks (looking at you, Cash App and Chime 😉) release the funds as soon as they receive them, which is why people sometimes get "early" deposits. If your DDD is today and it hasn't arrived yet, don't panic - the standard processing window runs until 5pm, with some stragglers coming through as late as midnight.

I went through this in February. They were reviewing my home office deduction. I sent detailed floor plans, photos, utility bills, and a written explanation of how the space is used exclusively for business. Took about 8 weeks, but they accepted everything without changes. The key was being super organized and responsive. I created a cover letter that referenced each document and explained how it addressed their specific questions.

Just finished dealing with one of these for my 2022 return! They questioned some charitable contributions. I sent donation receipts, bank statements showing the transfers, and a spreadsheet summarizing everything. Got confirmation last week that my return was accepted as filed. The whole process took about 10 weeks from first letter to resolution. Just be methodical and you'll be fine!