Has anyone tried Avalara's competitor program? When we were looking to switch, they offered us a pretty significant discount and assigned us to their "strategic accounts" team, which provided much better service. Might be worth threatening to leave before going through a full migration. We ended up staying with them after they fixed most of our issues.

We switched from Avalara to TaxJar about 8 months ago and it's been a huge improvement. The BigCommerce integration was plug-and-play, and while the Netsuite setup required some custom mapping, their implementation team walked us through everything step by step. What really sold us was their transparent pricing - no hidden fees for API calls or extra charges for multiple jurisdictions like Avalara used to hit us with. We're saving about $300/month and getting better service. Their support team actually responds to emails within a few hours instead of days. One thing to note: if you have complex product categorization requirements, make sure to test their tax code mapping thoroughly during the trial period. We had to adjust a few things for our specific industry, but once configured, it's been rock solid. The reporting dashboard is also much cleaner than Avalara's - our accountant can actually understand what's happening without needing a PhD in tax software.

Watch out if you're using TurboTax to file! I had this exact situation last year and TurboTax incorrectly tried to make me pay taxes on the ENTIRE distribution, not just the earnings. Had to manually override it by entering the taxable amount exactly as shown on the 1099-R instead of letting TurboTax calculate it.

This is such a common source of confusion! I went through something similar last year and want to add a few practical tips that helped me: 1. Double-check your 1099-R box 2a (taxable amount) - it should only show the earnings portion, not your full contribution amount. If it shows the full amount, your brokerage may have made an error. 2. Keep detailed records of the timeline - the fact that you requested the return of excess contributions before your extended filing deadline (you filed in July 2023) is crucial for confirming this gets reported on your 2023 return. 3. If you're using tax software and it's giving you trouble with the PJ code, try entering it as "other retirement distributions" rather than letting it auto-categorize. This often bypasses the software's incorrect assumptions about Roth distributions. The key thing to remember is that since you corrected the excess contribution before filing your 2022 return, it's treated as if the contribution never happened for 2022 tax purposes. That's why everything gets reported in 2023 - the year the actual distribution occurred. Also worth noting: save all your documentation about this transaction. The IRS sometimes sends automated notices about retirement distributions, and having your paperwork organized will save you headaches if you need to respond to any correspondence.

I'm also cycle 05 and going through the exact same anxiety! Last year I learned the hard way that checking multiple times a day is just torture. The transcripts really do only update overnight, usually Thursday nights for us 05ers. One thing that helped me was understanding that a blank transcript doesn't mean nothing is happening - it actually means they've accepted your return and it's actively being processed. When it's truly stuck, you don't see the 2024 transcript at all. For the timing, I've found that if there's going to be an update, it usually shows up by 6-7 AM Eastern on Friday mornings. After that, you're probably waiting until the next week. Given that you mentioned needing this refund for unexpected expenses, I totally get why you're checking obsessively. Maybe try checking Friday morning, and if nothing changes, set a phone reminder for the following Friday instead of checking daily. Your mental health will thank you, and you'll get the same result either way! Hang in there - cycle 05 typically processes pretty reliably once it gets going! 🤞

Just wanted to chime in as another cycle 05 filer who's been through this exact situation! The waiting is absolutely brutal, especially when you have financial pressures like your home renovation overruns. From my experience over the past few years, here's what I've learned: • Transcripts update once daily during overnight batch processing (usually Thursday night/Friday morning for cycle 05) • The blank transcript is actually a GOOD sign - it means your return is in the system and being processed • Checking multiple times daily will only increase your anxiety without providing new information • Updates typically appear between 3-6 AM Eastern, so if you don't see anything by 8 AM Friday, you're likely waiting until the next Thursday One thing that saved my sanity was switching from transcript obsessing to just checking the WMR tool once on Friday mornings. Sometimes it shows status changes before the transcript updates. I know it's hard when you need that money, but try to remember that cycle 05 is actually one of the more reliable processing cycles. Your refund WILL come - the IRS just processes millions of returns and it takes time. Hang in there! 💪

Think of tax refund direct deposits like planes arriving at an airport. Your state tax department is the departing airport (they release the funds), the ACH system is the flight path (the money in transit), and Credit Karma is the arriving airport (they receive and process the deposit). Just like flights can arrive early or on time depending on conditions, your deposit timing varies. I track this stuff obsessively. My Arizona refund last year had a DDD of 3/10 but hit my Credit Karma account on 3/9 at 10:23am. My sister's Michigan refund with the same DDD didn't arrive until exactly on 3/10. The year before, my Arizona refund was exactly on DDD. The key factor seems to be when your state actually initiates the ACH transfer - some do it 2-3 days before DDD, others just 1 day before. As for fees - in 15+ refunds across family members using Credit Karma, we've never seen a single fee or deduction.

Thanks for starting this thread - really helpful timing as I'm in a similar situation! I'm expecting my Texas state refund with a DDD of 3/10 to my Credit Karma account. This will be my second year using them for state refunds. Last year (2023), my Texas refund had a DDD of 2/28 and actually showed up on 2/27 around 2:15 PM. No fees whatsoever - the full amount I was expecting based on the state's website appeared in my account. One thing I noticed is that Credit Karma sends a push notification pretty quickly when the deposit hits, but sometimes their email notification can be delayed by several hours. So if you have the app, that's probably your best bet for knowing right away when it arrives. Also, unlike some banks that might show "pending" deposits, Credit Karma made the funds immediately available once they appeared in my account balance. I'll keep an eye on this thread to see how everyone else's deposits go this season!

Got my refund today! Had similar confusion last month. Refund showed sent. Nothing in my account. Called IRS. Started trace. Got number TR-28453901. Bank found issue within days. Wrong account number. IRS reissued payment. Whole process took 3 weeks. Trace number made all the difference. Every time I called for updates I just gave that number. No long explanations needed.

Thanks for all the detailed explanations everyone! I'm in a similar situation - my refund shows as issued on WMR but hasn't hit my account after 8 days. I've been hesitant to call the IRS because of the wait times, but reading about the trace process here makes it seem more straightforward than I expected. One question though - when you get the trace number, can you check the status online or do you have to call each time for updates? Also, has anyone noticed if certain banks are more prone to rejecting refunds? I bank with a smaller credit union and wondering if that could be part of the issue.