I've had this happen four times. Never got my money on the DDD. Always took 2-3 extra days. Tax Act doesn't control the bank timing. The bank makes extra money by holding funds. They have no incentive to hurry. Next year pay upfront. You'll save on fees. You'll get money faster. Worth the upfront cost.

Oh my gosh, I'm dealing with this RIGHT NOW and it's SO frustrating!!! 😤 My DDD was yesterday (2/25) and nothing in my account! Called Tax Act and they basically said "wait 1-5 business days after your DDD" which feels like FOREVER when you're counting on that money! I wish I had just paid the stupid fees upfront instead of trying to save a few bucks. Now I'm checking my account every hour like a crazy person. Never doing this again!

Oh no, I'm so sorry you're dealing with this! 😫 I know how stressful tax mistakes can be, especially when you're counting on that refund for medical bills. The IRS definitely won't automatically fix this - they'll eventually notice the discrepancy and send you a notice, but that could take months! You'll need to file a 1040-X amendment, but wait until your original return is processed first. The waiting is the hardest part, especially when you have those bills piling up. Hang in there! ❤️

Not to add more stress, but you might want to get on this ASAP! 😅 I did something similar last tax season (used the wrong 1099 form) and thought "eh, they'll figure it out." Narrator: They did not figure it out. Had to file an amended return anyway AND got hit with an accuracy-related penalty. The good news? If you file the amendment before they catch it, you're usually in the clear penalty-wise. My amendment took about 20 weeks to process though, so brace yourself for a wait!

I successfully navigated this exact situation this year! Here's what happened: • Filed jointly with my husband who had defaulted student loans • Got $1,800 advance from Jackson Hewitt in January • Received offset notice in February for $3,200 • Refund was processed in March • Republic Bank got repaid first • Offset was applied second • Remaining $950 was direct deposited to my account The key thing is that the advance is essentially a loan against your refund. Republic Bank has first dibs on the money when it comes from the IRS. The offset doesn't affect their payment - it affects what's left for you.

Just to add some additional information that might be helpful: if you're concerned about the offset amount, you can request an offset trace by calling the Treasury Offset Program at 1-800-304-3107. They can tell you exactly how much will be taken and for what debt. I was so frustrated when this happened to me last year! Also, if you filed jointly and the student loan belongs only to your spouse, you might qualify for injured spouse relief (Form 8379) which could protect your portion of the refund from the offset. It's too late for this year since you've already filed, but something to consider for next year.

Which state are you filing in? Some states like California, New York, and Illinois have significantly different processing timelines this year. Have you checked if your state has a specific "Where's My Refund" tool on their Department of Revenue website?

This happened to me last year and the year before. In 2022, my federal came 9 days before state. In 2023, it was 16 days. This year my federal arrived February 18th and state didn't show up until March 12th. It's becoming the new normal with state systems being slower than federal. As long as your state shows "Processing" and not "Review" or "Verification Required," you should be fine.

Be careful with some of these approaches. I tried using the Taxpayer Advocate Service (TAS) route last month during peak filing season, and they've implemented strict case acceptance criteria. Their Internal Revenue Manual (IRM) section 13.1.7.2 specifically prohibits TAS from accepting cases where the taxpayer is simply trying to circumvent normal IRS channels. If your issue doesn't meet their definition of 'significant hardship' under IRC section 7811, you'll be redirected back to the main IRS queue with wasted time.

Last year I had a similar business tax issue and discovered that the IRS Practitioner Priority Service line (866-860-4259) can sometimes be more effective. They typically serve tax professionals, but I've found that if you're prepared, knowledgeable about your issue, and have all your business documentation ready, they often will assist you directly. I was transferred three times but eventually reached someone who resolved my S-Corp filing issue in one call. The key difference from my previous attempts was calling mid-week around 2pm Eastern time.

Call your landlord immediately. Explain the situation. Show documentation of the levy. Ask for 48-hour extension. Most states have laws protecting against immediate eviction. Document everything. Use Venmo or Cash App from a different account if possible. Borrow from family as last resort. Navy Federal can sometimes issue emergency credit line increase. Worth asking. Local United Way or community action agencies have emergency rent assistance programs. This is exactly what they're for.

It might be worth noting that, in many cases, the IRS typically sends several notices before implementing a levy. These generally include a CP14 (first bill), followed by CP501, CP503, and finally CP504 or LT11 (Final Notice of Intent to Levy). The timeline usually spans at least 3-4 months. If you've moved recently or had mail issues, you may have missed these notices. While your immediate focus should probably be on resolving the current situation, it would likely be beneficial to ensure your address is updated with the IRS to prevent future surprises. You might also want to set up an online account at irs.gov to monitor notices digitally going forward.

I'm still showing "Return Received" on WMR even though I filed 2/22. Should I be concerned about potential verification delays or identity verification issues if others from the same date are already getting deposits?

I've tracked this for 3 years - exactly 21 days is when 87% of direct deposits hit for standard returns. If you claimed EITC or ACTC, add exactly 7 more days. If your transcript shows an 846 code, your money is definitely on the way within 48 hours regardless of what WMR shows.

When did you file originally? I'm curious about the timeline. I e-filed on January 31st and just got my 846 code yesterday with the same 2/28 DDD as you. Was wondering if we're on the same processing cycle? Did you have any credits like CTC or EIC that might have delayed processing? I've noticed people with similar filing dates are getting their DDDs clustered together this week.

Just to clarify something important that others haven't mentioned - the 846 code means your refund has been approved, but there are rare cases where a refund can still be intercepted after this point. If you have any outstanding federal or state debts (like back taxes, student loans, or child support), the Treasury Offset Program could still reduce your refund amount before it hits your account. This doesn't happen often after the 846 code appears, but it's something to be aware of if your financial situation includes any potential offsets.

I might be able to help with this... I've used Credit Karma for my banking for about two years now. In my experience, they sometimes release a day early, but I wouldn't count on it being any earlier than that. Last year my transcript showed 3/1 and I got it on 2/28 around midday. Just be careful about planning around getting it early - I've seen people in the Credit Karma community forums who were disappointed when they didn't get early deposits like their friends with Chime or Cash App.

So I just went through this exact situation last week! My transcript showed 846 for 2/21, and I was obsessively checking my Credit Karma account every hour. It finally showed up on 2/20 at around 5:30pm EST. From what I've gathered from other Credit Karma users in their community forum, they typically release 0-1 days early, but it's really inconsistent. Some people get it a day early, some get it right on the date. I've never seen anyone report getting it more than a day early though, so I wouldn't expect it before 2/27. Hope that helps ease your mind a bit!

I had an issue with TurboTax this year that might be relevant: • Filed on March 1st claiming the Child Tax Credit for my 2 kids • TurboTax calculated a $5,400 refund • Received only $4,200 on March 15th • Called IRS and discovered my eldest turned 17 in 2023, making him ineligible • TurboTax didn't flag this despite having his birthdate Double-check any credits you're claiming, especially if they have age restrictions or income phaseouts. The software isn't perfect at catching these edge cases.

Just to clarify something important - TurboTax itself isn't usually making calculation errors. What typically happens is either: 1) users enter information incorrectly, 2) users misunderstand eligibility requirements, or 3) the IRS makes adjustments based on information they have that wasn't included in your return. For example, if you have unreported income that shows up on a 1099 the IRS received but you didn't include, they'll adjust your return accordingly.