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What Do Codes 570 & 971 Mean on My Tax Transcript? $16,805 AGI with EIC - Refund Delay for 2024 Return

I just checked my transcript for my 2024 tax return and I'm concerned about what I'm seeing. My transcript shows a code 570 'Additional account action pending' dated March 4th, 2025, along with a 971 'Notice issued' on the same date. My return was processed on March 4th (processing date) and I filed Head of Household with an AGI of $16,805.00 and claimed EIC. Looking at my transcript's transaction section, I see: TRANSACTIONS CODE EXPLANATION OF TRANSACTION | CYCLE | DATE | AMOUNT 150 Tax return filed | 20250705 | 03-04-2025 | $0.00 30211-430-32951-5 806 W-2 or 1099 withholding | | 04-16-2025 | 766 Credit to your account | | 04-16-2025 | 768 Earned income credit | | 04-16-2025 | 570 Additional account action pending | | 03-04-2025 | 971 Notice issued | | 03-04-2025 | My taxable income shows as $0.00 and tax per return is $0.00. I downloaded my Account Transcript from the IRS website today. The Request Date and Response Date both show 02-14-2025. The transcript also shows: ACCOUNT BALANCE: [blank] ACCRUED INTEREST: [blank] ACCRUED PENALTY: [blank] AS OF: Mar. 04, 2025 ACCOUNT BALANCE PLUS ACCRUALS (this is not a payoff amount): [blank] INFORMATION FROM THE RETURN OR AS ADJUSTED: EXEMPTIONS: 03 FILING STATUS: Head of Household ADJUSTED GROSS INCOME: $16,805.00 TAXABLE INCOME: $0.00 TAX PER RETURN: $0.00 SE TAXABLE INCOME TAXPAYER: $0.00 SE TAXABLE INCOME SPOUSE: $0.00 TOTAL SELF EMPLOYMENT TAX: $0.00 RETURN DUE DATE OR RETURN RECEIVED DATE (WHICHEVER IS LATER): Apr. 15, 2025 PROCESSING DATE: Mar. 04, 2025 Does anyone know what these codes mean for my refund? I'm particularly worried about the 570/971 combo. Will this delay my refund? The transcript shows my return due date as April 15, 2025, but I'm concerned because there's an "Additional account action pending" message.

Zainab Ahmed

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its probably because of the EIC, they always verify those. welcome to the club lol

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fr fr every single year with this 🤔

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Based on your transcript, the 570/971 codes are actually pretty standard for returns with EIC claims. The IRS routinely reviews these to verify eligibility - it's not necessarily a red flag, just part of their process. What's interesting is that your transcript shows all your credits (806, 766, 768) dated for April 15th, which suggests the system has already calculated your expected refund amount. This is usually a good sign that the review is more procedural than investigative. The timeline looks normal too - processed March 4th with immediate 570/971 codes. Most EIC reviews I've seen resolve within 2-3 weeks, so you should hopefully see movement by late March. Keep checking your transcript weekly for updates, and definitely watch for that 971 notice in the mail. It'll tell you exactly what they need (if anything) or just confirm they're doing a routine review.

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Natalie Chen

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This is super helpful! I'm new to understanding these transcripts and this explanation makes so much sense. The fact that the credits are already calculated for April 15th does seem like a positive sign. I'll definitely keep checking weekly and watch for that notice. Thanks for breaking it down so clearly!

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I was in your exact situation last year. Paper return sent in February, no updates until August. When I finally got my transcript, I couldn't make sense of all the codes and dates. Someone here recommended taxr.ai and it actually helped decode everything. No BS - it explained what each code meant and gave me a timeline. The site is https://taxr.ai if you eventually get your transcript and need to understand what's happening.

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Cass Green

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The IRS announced on April 11, 2024 that they're still processing paper returns received as far back as January 29, 2024. I mailed mine on February 17 and called them on May 2 - they confirmed receipt but said processing would take at least until June 15. The agent recommended checking the "Where's My Refund" tool every Friday as that's when most updates happen. He also mentioned that if you're expecting a refund, you can request interest payments if processing takes more than 45 days after the filing deadline (which was April 15, 2024).

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Can you elaborate on the interest payments? I'm not familiar with the Form 843 Claim for Refund and Request for Abatement process. Does the IRS automatically calculate this or do we need to submit additional documentation?

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PixelPioneer

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The IRS actually calculates interest automatically if your refund is delayed beyond the 45-day statutory period (which starts from the later of the filing due date or the date you actually filed). You don't need to file Form 843 for this - it should be included with your refund check or direct deposit. The current interest rate is updated quarterly and posted on IRS.gov. However, if the IRS doesn't include the interest automatically, then you would need to file Form 843 to claim it. Just keep good records of when you filed and when you receive your refund in case you need to prove the delay later.

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Myles Regis

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Turbotax and other tax prep services are super shady with how they handle refund advances.🚩🚩 They deliberately make it confusing. Your refund is going to their account first (that's the account # you're seeing), they'll take their cut for the advance + fees, then eventually send you what's left. It's basically a loan sharking operation lol. Might take 5-10 days to get the rest after SBTG shows funded.

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Naila Gordon

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This exact same thing happened to me last year! The SBTG account number that shows up is definitely NOT your personal account - it's their temporary holding account where your full refund lands first. Here's what's happening: 1. IRS sends your complete refund to that SBTG temp account 2. SBTG/TurboTax deducts the advance amount they already gave you 3. They also take out their processing fees (which honestly add up) 4. Whatever's left gets sent to the same payment method you got your advance on The whole process took about 6 business days for me after I saw the "funded" status. I was freaking out just like you because that account number made no sense to me either! But sure enough, the remaining balance showed up on my TurboTax card exactly when they said it would. Just be patient for another week or so. If nothing shows up by then, definitely contact TurboTax support, but this is totally normal for their refund advance process.

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Just to clarify something that hasn't been mentioned yet - the 152 code on WMR isn't actually an official IRS transaction code like the ones on your transcript (570, 971, etc). It's just a message code for the WMR tool itself. Its disappearance usually indicates the system is preparing to show you a new status, but the WMR tool often lags behind what's actually happening with your return. This is why many people report their refund arriving without WMR ever updating to the third bar.

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Dylan Cooper

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This is really helpful information, and I appreciate everyone sharing their experiences! As someone who's been through multiple tax seasons, I can confirm that the disappearing code 152 is actually pretty normal. What I've learned is that the IRS systems often update behind the scenes before the WMR tool reflects those changes. For anyone else dealing with this - here's what I'd recommend: 1. Check your transcript if you can access it online (it's way more reliable than WMR) 2. Don't panic if codes disappear - it usually means progress, not problems 3. The 21-day processing timeframe is just a guideline, especially for early filers 4. If you filed in late January, you're right in the normal processing window The good news is that most people reporting this issue end up getting their refunds within a week or two of the code disappearing. The system is definitely glitchy this year, but the underlying processing seems to be working. Hang in there - it sounds like you're on the right track!

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Ali Anderson

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This is exactly what I needed to hear! I've been stressing about this for weeks and your breakdown makes so much sense. I think I've been overthinking the whole situation. The timing does seem to align with what everyone else is experiencing. I'm going to try to access my transcript tomorrow and see if I can get more detailed information there. Thanks for taking the time to explain this so clearly - it's really reassuring to know this is just part of the normal process, even if it feels anything but normal when you're going through it!

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mine switched from 05 to 03 last week and got my refund yesterday!

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Dylan Hughes

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congratz! how long was ur wait?

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bout 6 weeks total

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Cycle 03 just means Wednesday processing - nothing to worry about! I was cycle 03 too and got my refund after about 5 weeks. The key is checking your transcript for any freeze codes or holds. If you don't see any 570/971 codes like Giovanni mentioned, you're probably just in the normal processing queue. Hang in there! šŸ’Ŗ

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