its giving sketchy vibes ngl... stick to regular banks

Been using Cash App for refunds for 3 years now and honestly it's been hit or miss. Got my refund in 2 days one year, then last year it took almost a month with zero explanation from support. The $25k limit thing is real too - if you're expecting a big refund you might hit that cap. I'd say if your refund is under $5k and you don't mind potentially waiting longer, it's okay. But for peace of mind, traditional bank is definitely the safer route.

Did you file with a tax preparer or DIY? Sometimes tax prep software has its own verification process that's separate from the IRS verification, which can cause confusion.

This is so frustrating and unfortunately more common than it should be. The IRS internal systems often flag accounts for verification before the external systems (transcripts, WMR) are updated to reflect this. I went through something similar last year where agents kept telling me I needed to verify but I had zero documentation of this anywhere online. A few things that might help: • When you call again, ask the agent for the specific verification method they need (ID.me, documents by mail, phone verification, etc.) • Request they email you a summary of what was discussed or give you a confirmation number • Ask if there's a specific department or phone number for verification issues rather than the general line • Try calling the Practitioner Priority Service line if you know any tax professionals - they sometimes have better access to current account status The disconnect between what agents see and what taxpayers can access online is one of the biggest flaws in their system. Don't give up - keep calling until you get someone who can actually help you complete the verification process rather than just telling you to wait for a letter that may never come.

Anyone else think its sus that they cant just email these things? Like its 2025 ffs 🤡

Had the same issue last year - definitely call that number Saanvi mentioned! Also check if you moved recently or if your address with the IRS matches what's on your last return. They're super picky about addresses and even small differences can cause delays. You can also try creating an account on IRS.gov to see if there are any messages in your online account about the verification.

I had this exact situation with Bank of America last month. My DDD was February 22nd, nothing appeared until February 25th. I called them after day 2 and they claimed they hadn't received anything, but then it magically appeared the next morning. I've been with BoA for 12 years and this happens almost every tax season - they're consistently slower than other banks with tax refunds. Has anyone else confirmed their deposit arrived yet from the 3/15 batch?

I'm dealing with the same frustrating situation with Bank of America! My DDD was also 3/15 and still nothing showing up in my account as of this morning. Reading through everyone's experiences here is actually really reassuring - sounds like BoA just has a slower processing system for tax refunds compared to other banks. I'm going to follow the advice about waiting until at least 5 business days before panicking, and definitely going to check my account early tomorrow morning since someone mentioned they process overnight batches around 3-4am. Thanks everyone for sharing your experiences - it's helping me stay calm instead of assuming something went wrong!

LPT: Record the call if you can (check your state laws first). It helped me when there was a mixup later and I could prove what the agent told me.

Be extra careful about scams too! The IRS will NEVER call you first - they always send letters first. Since you got the official letter, you're good, but just make sure you're calling the number on the actual IRS letter, not any number someone might give you online or over the phone. There are tons of scammers pretending to be the IRS trying to steal people's info during identity verification calls. Stay safe out there!