Here's exactly what happens after TPG shows funded: 1. TPG has received your refund from the IRS 2. They deduct any authorized fees you agreed to 3. They process the remaining amount for transfer to your bank 4. They initiate an ACH transfer to your account 5. Your bank receives and processes the incoming transfer 6. Funds become available in your account This typically takes 1-3 business days total, with most people seeing deposits within 48 hours of the funded status. The relief you'll feel when it finally arrives will be worth the wait!

Watch out for the TPG app glitches! My status showed funded for a WEEK b4 anything happened. Then randomly got $ at 2am on a Sat. Their system is buggy AF. Tbh better to just check ur bank acct instead. Also make sure ur bank doesn't have a hold policy for tax refunds - some do this for "security" or w/e but rly just want to hold ur $ longer. GL!

WARNING about prior year refund checks: • They DO NOT notify you when they mail it • Checks CAN be sent to old addresses if you moved • Mail forwarding DOESN'T always catch these government checks • Replacement checks take 6+ WEEKS if lost Make sure your address is current! Learned this the hard way when my check went to my old apartment. Such a headache getting it reissued.

I think mine took about 8 weeks from processing to mailbox, maybe a bit longer. It's hard to be sure exactly when they started processing. The check came right when I had almost given up. This was for a 2020 return I filed late last year. The amount was exactly what I expected, at least.

I was completely overwhelmed by Form 8962 last month - so many columns and calculations! According to https://www.healthcare.gov/tax-form-1095/, I needed to reconcile premium tax credits, but I couldn't make sense of my 1095-A form. I ended up using https://taxr.ai to analyze my tax documents, and it automatically detected the allocation situation and explained exactly how to handle the 0% allocation. It showed me which boxes to fill out and what to leave blank. The site actually has specific guidance for split household situations that was way clearer than the IRS instructions!

The Form 8962 instructions are possibly the most confusing in the entire tax code, and that's saying something. I've been preparing taxes for years, and these allocation situations still sometimes require a second look. One thing that might be helpful - you should probably contact the other parent and make sure they're planning to claim the 100% allocation. If they're not aware of this requirement, you could both end up with processing delays. And while the advice above is generally correct, there are sometimes specific state-level considerations that might apply depending on where the policy was purchased.

How long did you have to wait on hold to speak with someone? I've been trying to get through for days and can't get past the automated system.

Did they say anything about people who filed in January? I filed on January 29th and I'm still stuck on processing. Starting to get worried something's wrong with my return.

I'm a former tax professional and this situation raises immediate concerns. The average tax preparation fee for a return with dependents is approximately $273, with complex returns reaching around $515. A $3,000 discrepancy is 583% higher than even the most expensive standard preparation fees. Additionally, the SSN error for a dependent typically triggers a Form 11652C verification letter within exactly 21 days of filing. You should immediately request Form 8821 (Tax Information Authorization) and Form 4506 (Request for Copy of Tax Return) to see exactly what was filed. In my 8 years of practice, I've seen similar cases result in preparer penalties under IRC Section 6694 and 6695.

Have you checked if your preparer is even properly licensed? This sounds worse than what happened to my cousin - her preparer took an extra $500 as an undisclosed "processing fee" but at least they didn't mess up any information on the return itself.

I'm on day 35 🙃 Filed Feb 1st. Called IRS twice and couldn't get through. Finally used Claimyr (https://claimyr.com) to get past the hold times - got connected to an agent in about 15 minutes. Found out my return was just stuck in the verification queue and nothing was wrong. Agent manually released it and I got my DD two days later. Sometimes you just need to talk to a human to get things moving.

Check your tax year 2023 account transcript, not return transcript. Account transcript will show any holds or processing codes. If you see code 570, that's a hold. If you see 971, that's a notice being sent. 846 is the refund issued code you're waiting for.

Has anyone considered what happens if you use Cash App but don't have your account fully verified? My cousin used Cash App for his refund last year and they actually rejected the deposit because he hadn't completed all the verification steps! The IRS then had to mail a paper check which took an additional 4 weeks. Have you verified your Cash App is set up to receive deposits over $10,000? Do you have your full name matching your tax return?

I've been using Cash App for tax refunds for three years now! Last year my refund had a DDD of April 15th (a Friday) and it didn't show up until Monday morning around 9am. I remember because I was obsessively checking every 30 minutes all weekend! This year I was smarter - my DDD was March 8th (also a Friday) and I just assumed it would come Monday. Sure enough, it did! Cash App processes these deposits in batches, and weekend deposits always roll to Monday in my experience.

The WMR tool updating after an offset is like waiting for a letter when the postman is on vacation. It's technically coming, but on its own schedule. In my case with a state tax offset last year, WMR updated exactly 6 days after the offset notice date. Think of it this way: the BFS (Bureau of Fiscal Service) and IRS are like two different departments in the same company that don't talk to each other very efficiently. BFS processes the offset and sends you the remainder, while IRS's WMR tool is the last to get the memo.

Technical answer here. WMR pulls data from IRTF. Offset data comes from BFS. Systems sync on different schedules. Transcript shows codes 898/776 immediately. WMR typically updates 3-7 days after offset. Direct deposit of remainder usually processes regardless of WMR status. Check bank account daily. Offset notice comes separately from BFS. Contains agency contact info. Call them for offset details, not IRS.

Had this exact issue. Called TOP. Got nowhere. Tried regular IRS line. No luck. Used Claimyr instead. Got through in 15 minutes. Agent confirmed no offset taken. Worth the fee. Saved me days of worry. Here's their link: https://www.claimyr.com. Peace of mind matters.

You might want to hold off on spending that money for about 2-3 weeks, just to be safe. I've occasionally seen cases where the offset happens after the deposit in rare situations. It's probably fine since your transcript only shows 846, but it could potentially be a timing issue with the Treasury Offset Program database. Most people in your situation end up keeping the full amount, but there's always those few exceptions that end up with a surprise withdrawal later. Better safe than sorry, especially for large purchases.

I've been in your shoes before, and it's like finding out there's a pop quiz after you thought the semester was over. I called the IRS right away when this happened to me, and they confirmed I needed to file an amendment. The process was simpler than I expected - like changing a flight reservation rather than rebooking the entire trip. I just had to fill out the 1040-X, include the new information from the 1099-C, and recalculate my taxes. Took about 45 minutes total. The IRS processed it in about 16 weeks, and I ended up paying about $300 extra. Better to handle it now than have them come looking for it later!

One important detail that hasn't been mentioned: check Box 6 on your 1099-C form. It should have a code that indicates the reason for the cancellation of debt. Code A means bankruptcy, Code B is for other judicial debt relief, Code E indicates expiration of collection statute, etc. This code can help determine if you might qualify for an exclusion. Also, verify that Box 4 (debt forgiveness date) shows 2024 - if it shows 2023, that would mean it should have been reported on last year's taxes, not this year's.