did u claim any credits? like the property tax credit? that usually triggers additional review

I'm going through the exact same thing right now! Filed in early February and got that weird "additional verification measures" message too. Never seen it before in all my years filing Arkansas returns. I called the number they provided (501-682-1100) yesterday and surprisingly got through after about 45 minutes on hold. The rep told me it's part of their new fraud prevention system and that basic returns are getting flagged randomly for extra review. She said to expect another 2-3 weeks but couldn't give me a more specific timeline. Super frustrating when you're counting on that money! 😤

I've seen this happen multiple times with clients (I'm not a tax pro, just experienced with these issues). Here's what could be happening: • Your tax preparer didn't set up a refund transfer • Your name change is causing verification issues • SBTPG's system hasn't updated yet • The IRS is sending your refund directly to your bank I'm always skeptical when people say "don't worry about it," because these issues CAN cause delays. But in this case, if your transcript shows code 846, your money is definitely on the way somewhere. Check your bank account first before panicking.

I went through something similar after my name change! The good news is that if your transcript shows the refund approved with code 846, your money is definitely coming. SBTPG only handles refunds when you specifically chose to have your tax prep fees deducted from your refund - if you paid your preparer directly, there wouldn't be an SBTPG account at all. The name change issue is real though - I had to update my name with Social Security first, then it took a few weeks for all the systems to sync up. Check your bank account on the direct deposit date from your transcript. If it doesn't show up there, then you know the refund went through SBTPG and you'll need to contact them about the name mismatch.

This is so relatable! I'm actually on day 4 of a Navy Fed hold right now and getting pretty anxious about it. I called them yesterday and the rep told me it's standard procedure for government checks over a certain amount. What's been driving me crazy is that I can see the deposit in my account but it just says "hold" next to it. From reading everyone's experiences here though, it sounds like most people get their funds released between days 3-4 even though they quote 5 days. I'm hoping mine clears tomorrow! Has anyone had success with going to a physical branch instead of just calling?

I'm going through this exact same thing right now! Navy Fed put a 5-day hold on my refund check and I'm on day 2. It's so stressful when you need the money for bills and expenses. Reading through everyone's experiences here is actually really reassuring though - seems like most people get their funds released by day 3 or 4 even though they quote the full 5 days. I'm definitely going to try calling tomorrow and asking about expediting the hold since I've been a member for over 4 years. Also going to check if there's a branch nearby since some people mentioned having better luck in person. Thanks for posting this question - it's nice to know we're all dealing with the same frustrating situation! 😤

I'm so glad this turned out to be good news! The informed delivery anxiety is absolutely real - I've been there multiple times where you see something official and immediately start spiraling through worst-case scenarios. It's honestly one of the most stressful parts of adulting. Your experience with the CP-INT form is actually really common these days. With all the processing backlogs the IRS has been dealing with, they've been paying interest on delayed refunds much more frequently. The confusing part is that they usually just automatically add the interest to your refund amount, so you might not even notice you got extra money at the time. What's really helpful about your post is highlighting how the IRS online systems don't sync up with their mail systems. It's so frustrating that your account can show $0 balance while legitimate correspondence is still coming - definitely something more people should know about so they don't panic unnecessarily. For anyone else dealing with similar mail anxiety, here's a tip that's saved me stress: when you see IRS mail in informed delivery, try checking your tax account transcript for transaction code 776, which usually indicates interest payments. It doesn't always show up immediately, but when it does, it can give you peace of mind before the physical letter arrives. Make sure to keep that notice with your tax documents since you'll need to report that interest as income on your next return - just treat it like bank interest. Thanks for sharing your experience and update! These real-world stories are so much more reassuring than trying to decode vague government websites.

I'm so glad this turned out to be good news! As someone who's also experienced that informed delivery anxiety, I can totally relate to seeing an official envelope and immediately thinking the worst. It's like your brain automatically jumps to "what did I do wrong now?" even when you know you've been careful with your taxes. Your experience with the CP-INT form is actually really educational for the rest of us. I had no idea that the IRS was required to pay interest on delayed refunds after 45 days - that's actually a pretty reasonable policy, even if their communication about it could be better. The fact that they typically just add the interest directly to your refund amount explains why so many people probably receive these notices months later and have no idea what they're referring to. The disconnect between your online account showing $0 and still receiving legitimate mail is really frustrating but good for others to know about. It seems like the IRS systems really don't sync up well, which causes unnecessary panic for people who reasonably expect their online account to give them a complete picture. Thanks for sharing both your initial worry and the relief when it turned out to be documentation of money they owed YOU! These kinds of real experiences are so much more helpful than trying to decode official government websites. I'll definitely remember to check my transcripts for transaction code 776 if I ever see IRS mail coming in informed delivery.

My father-in-law fell for this exact scam last year with his "accountant" and lost over $24,000 from his business account. The person seemed totally legitimate - office, website, everything. After getting his login info, they slowly transferred money out over several months while sending him fake bank statements showing the correct balances. By the time he discovered it during tax season, the bank refused to cover the losses because he had willingly shared his credentials, which violated their terms of service. Please tell your brother to run away from this accountant and find someone legitimate who uses proper accounting software and secure document sharing. This isn't just unusual - it's a common scam targeting small business owners.

This is absolutely a red flag and your instincts are correct! As someone who works in financial fraud prevention, I can tell you that legitimate accountants NEVER need full login credentials to bank accounts. There are multiple secure alternatives like QuickBooks bank feeds, Xero connections, or simply providing monthly statements. The refusal to provide her SSN for read-only access is particularly suspicious - any legitimate tax professional is required to have a PTIN (Preparer Tax Identification Number) and routinely provides identification to financial institutions. This is standard practice, not something to avoid. Your brother should immediately: 1) Find a new CPA or EA with proper credentials, 2) Change all his banking passwords if he's shared them, 3) Monitor his accounts closely for any unauthorized activity, and 4) Consider reporting this person to your state's board of accountancy. Small business owners are frequent targets for this type of scam because they often feel overwhelmed by tax requirements and trust too easily. Don't let him brush this off as "normal practice" - protecting his business finances is worth more than the inconvenience of finding a new accountant.