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.

Based on the timing parameters you've provided, your return appears to have been processed through the Automated Clearing House (ACH) network before the Internal Revenue Service's Master File and transcript generation systems completed their update cycles. The ACH processing for direct deposits typically operates on a separate timeline from the IRS's internal systems. For refunds issued during peak processing periods (weeks 5-10 of the filing season), the Transaction Code 846 (refund issued) may not appear on your transcript until after the funds have been deposited. This is particularly common with returns that don't require additional review or manual processing. I would recommend verifying that the deposit amount matches your expected refund to ensure it's not an unrelated payment.

I've seen this happen to several taxpayers this season, and I understand it can be concerning. According to Internal Revenue Manual 21.4.1, the IRS operates multiple databases that don't always synchronize in real-time. The Electronic Funds Transfer Payment System (EFTPS) that issues direct deposits can process faster than the Integrated Data Retrieval System (IDRS) that updates transcripts. What you're experiencing isn't uncommon, especially during high-volume processing periods. The important thing is that you've received your refund. I'd recommend keeping documentation of the deposit for your records, but there's likely no cause for concern. Many people are in similar situations this tax season as the IRS works through their processing backlog.

Are you tracking which tax software people are using? I'm wondering if there's any correlation between filing method and update cycles. For example, do TurboTax filers see different patterns than those using FreeTaxUSA or H&R Block? I filed on January 26th using TaxAct and my transcript just updated today after being N/A since filing.

Just wanted to share a success story! I had an N/A transcript for 24 days straight, checked every morning at 6am. Then suddenly this Wednesday it updated with all codes at once, including an 846 for direct deposit on 2/26. Filed on January 21st with medical expenses and education credits. OP's pattern analysis matches my experience exactly. The waiting is brutal but the system is working!

According to the IRS.gov processing schedule (https://www.irs.gov/refunds), once you have a DDD, you should see the funds within 1-5 business days depending on your financial institution. Has anyone else noticed that returns filed at the end of January seemed to take longer this year? I'm wondering if there was some kind of processing bottleneck around that time?

Just to clarify - when you say you have a DDD on your transcript, do you mean you're seeing cycle code 20241205 with a 846 refund issued code? Sometimes people mistake the 971 notice issued code date as their deposit date, which it isn't. The actual deposit date is only confirmed with code 846.

The AOTC is almost certainly what's causing this. I've been through this three years in a row now. The IRS has been heavily scrutinizing education credits since 2021 after they found widespread errors and fraud. They don't process these returns in strict date order - they batch them by credit type and review status. My tax professional explained that returns with certain credits get sorted into different processing tracks. It's infuriating but unfortunately normal. Last year my return took 63 days to process with AOTC while my partner's basic return (filed same day) took 11 days.

Anyone else remember when the IRS actually processed returns in the order received? Those were the days. I was in your exact situation last year - filed 2/1, had AOTC, and watched as later filers got their refunds. Know when mine finally processed? April 11th. Why? Because they were doing extra verification on the education credit. But here's the good news - once it cleared that verification, the refund came within 4 days. And this year? Filed 2/5, got my refund on 2/14. The difference? No education credits this time.

Had 570 code. Had 401k withdrawal. Was verified. Took 31 days. Got full refund. No changes made. Seems common this year. Check transcript weekly. Look for 971 next. Then 571. Good luck.

My 570 code had nothing to do w/ 401k stuff. Was because I accidentally entered my W2 info twice (facepalm). IRS caught it, fixed it, adjusted my refund down a bit. Took about 5 wks total. IMO the 570 is just their generic "we need to look at something" code - could be 401k withdrawal, could be something else entirely. My bro had one for his student loan interest deduction last yr. Just how the IRS rolls these days tbh.

I filed on February 10th and didn't get my refund until March 2nd despite having a DDD of February 28th on my transcript. Called the IRS on March 1st and they said there was a delay with the banking system. WMR is completely useless this year - it never updated past the first bar for me. My advice: stop checking WMR every 5 minutes like I did and just wait for either your transcript to update or the money to hit your account.

Has anyone tried using the IRS2Go app instead of the website? Last year I found it updated slightly faster than the web version of WMR. Also, I've noticed that checking transcripts after the daily update time (usually around 3-4am EST) gives the most accurate information. My wife and I both filed on the same day (2/11), but her refund came through Chime 3 days before mine did through a traditional bank.

Have you tried checking your Account Transcript rather than just the Return Transcript? Sometimes the Account Transcript will show pending actions or TC 570/971 codes that indicate what's happening with your return even when the Return Transcript shows N/A. You can access it through the IRS website under the 'Get Transcript' option.

Has anyone who filed around 2/15 with mortgage interest deductions (like OP) received their refund yet? I'm wondering if there's a specific delay related to Schedule A deductions this year. My return included exactly $12,463 in mortgage interest and I'm still waiting after 58 days.

According to IRS Publication 1345 and the PATH Act provisions, returns claiming EITC or ACTC cannot be issued before February 15th of the filing year, regardless of when they were filed. Your state refund timing is consistent with normal state processing, which operates independently of federal refund timelines. Most states do not have equivalent PATH Act restrictions, allowing for faster processing of state returns even when credits are claimed. The federal system is likely still processing your return within their normal 21-day window.

Anyone notice how state refunds seem to be processing faster this year? Is it just me, or have others experienced this too? I wonder if the states have implemented new processing systems while the IRS continues to struggle with their outdated infrastructure. Either way, don't count on your federal refund arriving with the same speed, especially with those credits. The PATH Act delays are real, folks!

When analyzing transcript codes, I've found these patterns helpful: • Code 846: Refund issued (final step) • Code 570: Temporary hold (requires resolution) • Code 971: Notice issued (may explain holds) • Code 420: Examination/audit indicator The sequence matters as much as the codes themselves. A 570 followed quickly by 846 typically indicates a simple verification was completed. Your timeline sounds typical for returns with retirement income distributions.

I received my refund last week after seeing the 846 code. Compared to my neighbor who filed a simple W-2 only return, my processing with retirement accounts took about 18 days longer. Your timeline seems consistent with what I've seen for returns that include Schedule D or Form 8606 distributions. The IRS seems to be moving faster this year than last year, when similar returns were taking 35-40 days for processing.