I'm not entirely sure about this, but I believe another important factor might be whether you've called the IRS to check on your refund status. In my case, I was waiting for nearly 2 months with no updates, and I tried calling the IRS multiple times but couldn't get through to anyone. Then someone suggested I try Claimyr (https://www.claimyr.com), which somehow got me connected to an IRS agent in about 20 minutes. The agent found that my return had been flagged for a simple verification that was never communicated to me. Three days after that call, my refund was approved. It might be worth adding "contacted IRS" as a data point in your spreadsheet.

One thing nobody's mentioned yet is that Republic, Pathward, and SBTPG are all third-party processors that only handle refunds if you've chosen to have your tax preparation fees deducted from your refund. If you pay for tax preparation upfront, your refund comes directly from the IRS to your bank, which is typically faster and avoids those processing fees mentioned above. Direct IRS deposits usually arrive on the exact DDD or the next business day. Those third-party processors are essentially giving you a short-term loan for your preparation fees, and they're charging you for it.

I think I might have some good news for you! Something similar happened to me last year - about $1400 was taken and I was freaking out because I'm pretty much living paycheck to paycheck. After calling around, I found out it was actually due to an education grant that converted to a loan when I switched majors. The amazing thing was that I qualified for a hardship refund! I had to provide some basic financial documentation showing that the offset caused significant financial strain. Got almost all of the money back within 3 weeks. Most people don't know this option exists!

I've been helping people with tax issues for years, and in my experience, the offset letter timing depends on which agency is involved. Back in 2021, offset letters came quickly, but now they're taking longer. Department of Education offsets (which might apply to you as a recent graduate) are notoriously slow with their notification letters - sometimes 45+ days. One trick I've learned: call the TOP number (800-304-3107) early in the morning, like 7:30-8:00am Eastern time. The automated system will tell you which agency received the offset. Then you can contact that specific agency directly instead of waiting for the letter. Saved many people weeks of waiting!

I... might be in the same boat. I'm not entirely sure if I received that payment or not, but I did claim it on my return. Now I have those same codes and I'm nervously waiting. I've heard that sometimes these adjustments can happen pretty quickly, while other times they can drag on. I suppose it depends on how backlogged the IRS is at the moment.

Just wanted to share some good news - I had this EXACT situation last month! Claimed I didn't get the Child Tax Credit advance when I actually did. Got the 570/971 codes, received a notice about 10 days later explaining the adjustment, and then my transcript updated with a DDD exactly 14 days after the notice date. The refund hit my account right on schedule, just minus the amount I had incorrectly claimed. So hang in there - the system is actually working pretty efficiently for these types of adjustments!

I had the exact same issue on March 15th when I was trying to check my refund status! What finally worked for me was going to the ID.me help center and submitting a support ticket. On March 17th they responded and had me verify my identity again with a video call. After that, I was able to log into the IRS site without any problems. It's frustrating but there seems to be a disconnect between their systems sometimes. The ID.me support was actually really helpful once I got through to them.

This is a common authentication flow disruption between federated identity providers (ID.me) and service providers (IRS). The root cause is typically related to session token validation or OAuth handshake failures. Many government agencies use different integration implementations with ID.me, which explains why you can access some services but not others with the same credentials. If the previous suggestions don't resolve your issue, request a manual identity verification override through ID.me's support channel. They can flag your account for review and often resolve these integration issues within 24-48 hours.

Here's exactly what you need to do in this situation: 1. Create your own cover sheet with these essential elements: - Your full name and address - Your tax ID number (SSN) - The notice/letter number you received - Tax year in question - The control/case number from your notice - A brief description of what you're sending 2. On the first page of your fax, write in large letters: "RESPONSE TO [NOTICE NUMBER] - [TAX YEAR]" 3. Number all pages (e.g., Page 1 of 7) 4. Keep a complete copy of everything you send 5. Get a fax confirmation and keep it with your records 6. Follow up in 2-3 weeks if you don't receive acknowledgment I've done this exact process 4 times in the past when I couldn't use their letterhead, and it worked every time. The key is making sure they can identify exactly who you are and what notice you're responding to.

Just to clarify something important - when you say "letterhead," are you referring to the actual notice they sent you, or a separate cover sheet they provided? This makes a big difference. A few years ago, I had a similar situation. What they wanted was for me to fax the first page of their notice back with my documents so they could scan the barcode on it. If that's what they mean by "letterhead," you definitely should try to include it somehow. If you no longer have the original notice, I'd suggest calling them to explain. Sometimes they can email you a replacement cover sheet with the proper barcodes. I learned this the hard way after having documents rejected twice because I didn't include their coded cover page.

I was in a similar situation and wasn't sure where my refund would show up. I think I might have found a helpful tool though - I used https://taxr.ai to analyze my transcript and it showed me exactly where my refund was going. It pointed out the specific code that indicated my paper check selection had been changed to direct deposit. Maybe worth trying if you're able to access your transcript? I was honestly relieved to have some clarity finally.

This DD switch happened to me last year and it was actually better than waiting for a check! My sister's paper check took almost 4 weeks longer than my direct deposit, even though we filed on the same day. The way taxr.ai breaks down those transcript codes is way more detailed than what the IRS site tells you - saved me hours of trying to decode all those numbers and dates myself. Definitely worth checking out compared to the headache of calling or waiting without knowing.

I had this exact problem last filing season! I dug through my emails and found that TurboTax actually sends a separate receipt email that shows all the add-on services. Mine was titled "Your TurboTax Order Receipt" and came right after I filed. It showed I paid $39.99 for the "Refund Processing Service" which I definitely didn't intentionally select. I called them and explained I didn't mean to add this service, and surprisingly, they refunded me the full amount! Worth checking your email archive or spam folder for that receipt.

Compared to H&R Block's transparency, TurboTax is surprisingly vague about these fees. I found my refund advance info by downloading my complete tax return PDF from my TurboTax account and looking at the very last pages where they include the "Refund Authorization Form." It clearly showed I authorized a $39.99 fee for processing. Much easier than trying to decipher their online account interface or hunting through emails. It's crazy how much harder TurboTax makes this compared to other tax services!

Last year when I had a similar situation, I spent hours trying to reach the IRS directly. This year I used Claimyr (https://claimyr.com) to get through to an IRS agent in about 15 minutes. They confirmed that my refund had been sent to SBTPG and there were no issues on their end. I was surprised at how complicated the handoff between IRS → SBTPG → Chase actually is. The IRS agent explained that once they show it as sent, they can't track it further, but at least I knew where to focus my follow-up calls.

Have you tried checking your refund status using the IRS2Go app instead of relying on SBTPG's portal? Sometimes the official IRS tools provide more accurate information compared to the third-party processors. Would it also be worth checking if your refund might have been split across multiple deposits if you paid for tax preparation fees from your refund? That situation sometimes creates confusion when tracking deposits.

I understand the frustration with paying for access, but consider the reality of the situation: • The IRS is severely understaffed • Phone wait times can exceed 3-4 hours • Many callers never get through at all • Time spent calling = lost productivity • Peace of mind has real value I was skeptical too, but when I calculated the value of my time spent on endless redials versus the cost, it made financial sense. It's unfortunate we need workarounds, but it's the system we're dealing with.

Be careful about counting on specific dates. On March 14, 2023, I received the same "10 weeks" estimate after my identity verification. June 1st came and went with nothing. Called on June 8th and was told "it's still processing." Finally received my refund on July 2nd - almost 16 weeks total. The IRS is notoriously optimistic with their timeframes. I'd recommend preparing for delays beyond what they're telling you.

My experience this year compared to last year is night and day. Last year I waited 49 days for my refund, but this year it was only 12 days from acceptance to deposit. Much faster than my state refund, which is still processing after 3 weeks. Unlike paper returns which can take 6+ months to process, e-filed returns with direct deposit are typically processed within 21 days unless there are specific issues that trigger a manual review. If you're past the 21-day mark, that's when I'd start investigating further.

I've filed taxes for over 15 years now, and I've noticed a pattern - when I file in early February, I usually get my refund within 2 weeks. This year I filed on February 5th and had my refund by the 17th. But my sister filed on April 1st last year and didn't get her refund until mid-May. The earlier in the season you file, the faster the processing seems to be. The IRS gets absolutely slammed as the deadline approaches, so processing times tend to stretch out. If you filed recently, you might be in for a slightly longer wait than those early birds.