Looking at your transcript timeline, I can see why you're confused about that October date! The sequence actually makes perfect sense though - your amended return (code 977) from June triggered the refund freeze (code 810), and now the IRS has scheduled the final processing for October 7th (code 290). That October date isn't when they'll START working on it, it's their target completion date. The good news is that 20243805 cycle code indicates this is moving through their system normally. I've seen plenty of cases where people got their refunds 2-4 weeks before the projected 290 date once the IRS finished their review. Keep watching for code 846 (refund issued) or any 971 codes (notices) - those will tell you when things are actually wrapping up. The wait is annoying but your case is definitely progressing!

I went through almost the exact same thing earlier this year! Had my amended return filed in March, got the 810 freeze code, and then saw a 290 code with a date that was like 5 months out. I was freaking out thinking I'd have to wait that long, but my refund actually came about 6 weeks before that projected date. The key thing is watching for any movement on your transcript - when they're getting close to finishing, you'll usually see some activity like additional codes popping up. Also, don't stress too much about that cycle code 20243805 - that's just their internal processing batch number and it's moving through normally. The October date is really just their conservative estimate to manage expectations, but amended returns often wrap up earlier than projected once they clear the review process.

Bruh these apps all the same fr just pick one and pray 😭

I've used both actually! DailyPay was solid for my refund last year - took about the same time as Chime (2-3 days after IRS sent). The main difference I noticed was DailyPay's customer service was more responsive when I had questions. But honestly @Zoe Papadakis makes a good point about traditional banks being more reliable overall. If you're already set up with Chime and it's worked fine, might not be worth switching unless you have other reasons to use DailyPay.

Has anyone else noticed that Morgan Stanley seems to mess this up a lot? I had the same issue when I became a resident, and it took them forever to update their systems. Their customer service was useless when I tried to get help too. Anyone have any luck getting them to fix this?

I'm dealing with a very similar situation right now! I received both forms from E*Trade for the same reason - they had me classified as a non-resident for the first part of 2024 even though I've been a US resident the whole year. What really helped me was calling the IRS directly to confirm the reporting approach. The agent I spoke with explained that this is actually pretty common when brokerage firms don't update residency status quickly enough in their systems. She confirmed that as a US resident, I should report the dividend income from both forms as regular dividend income, but enter them separately to ensure all withholding is properly credited. The key thing she emphasized was making sure I claim ALL the federal tax withholding from both forms - don't miss any of it because that's money you've already paid to the IRS. In my case, the 1042-S withholding was actually higher than normal dividend withholding rates, so I ended up getting a bigger refund than expected. For FreeTaxUSA specifically, I found the 1042-S entry under "Federal" → "Income" → "Less Common Income" → "Other Income Not Reported on Form 1099" and then there's a specific dropdown option for 1042-S. Make sure to enter the withholding amount in the federal tax withheld section when prompted.

This happened to me and it turned out to be my student loan payment! The servicer had changed and it was listed as "DEPT ED/TAX" on my statement which I totally misread as a tax charge. Check if you have any student loans in repayment - the labels can be super confusing.

Isabella, I feel for you - this exact situation happened to me two years ago and I was terrified! In my case, it turned out to be an offset for unpaid back taxes from 2019 that I had completely forgotten about. The IRS had applied my expected refund to that old debt and then withdrawn the difference from my account. What saved me was logging into my IRS online account immediately - you can create one at irs.gov with your Social Security number and some identity verification. Once you're in, look at your "Account Transcript" which will show ALL recent activity including any offsets, adjustments, or automatic withdrawals. The transcript will also show if there are any notices that were supposed to be mailed to you. Sometimes these get lost or sent to old addresses. If you see notices listed there that you never received, you can actually view and download them directly from your online account. Don't panic about the rent money just yet - if this was an IRS error, they do reverse transactions, though it can take a few weeks. But getting into that online account should give you answers within minutes rather than waiting hours on the phone. Good luck!

Whatever you do DONT AMEND until your first refund comes through! Made that mistake last year and ended up waiting 9 months for processing

idk if this helps but my bank literally sent my 1099-INT in february last year too. ended up just waiting for the refund then amended. paid like $150 extra in taxes but worth not dealing with the headache tbh