I had the same mindset after two horrible years dealing with the IRS. But when my return got delayed again this year, I finally broke down and called them. Spent 3 hours on hold before getting disconnected. Then I tried Claimyr (https://claimyr.com) after seeing it mentioned here. Got connected to an actual IRS agent in about 25 minutes who fixed my issue immediately. Might be worth keeping as a backup if you end up needing to call.

I'm doing the exact same thing this year! I've even blocked the WMR website on my browser and deleted the app from my phone. My therapist actually suggested this as a way to manage my tax season anxiety. Last year I was checking 10+ times a day and it was affecting my sleep.

The Treasury Offset Program (TOP) is the mechanism through which federal tax refunds can be intercepted. I analyzed the eligible debt categories last tax season when facing a similar concern. Medical debts from private institutions don't qualify for TOP intercepts unless they've been converted to federal debts through unusual circumstances. However, certain state-owned medical facilities can certify debts to state revenue departments, potentially affecting state tax refunds depending on your jurisdiction's specific statutory framework.

My cousin ignored his hospital bills for two years. They eventually sued him, got a judgment, and in our state, they were able to garnish his wages - but not his tax refund. They tried telling him they could take his refund to pressure him into paying, but it was just a scare tactic. The hospital has to go through the courts first, and even then, they typically don't have access to your tax refunds unless it's a government hospital or somehow becomes a government debt. Don't ignore it completely, but know your rights.

I went through exactly this last year when I claimed AOTC for my daughter's first year of college. My transcript was full of confusing codes and I had no idea what was happening. I stumbled across taxr.ai and uploaded my transcript once it became available. It explained that code 570 was just a temporary hold for education credit verification, not an audit like I feared. The tool predicted my refund date within 2 days of when I actually received it. Really helped my anxiety during the wait!

Last year my return with AOTC sat for 8 weeks with no movement. I remember checking WMR daily like watching paint dry. The "action required" message actually showed up for me too, but nothing ever came of it - no letter, no request for documents, nothing. The refund just suddenly appeared one day. From what I've seen in previous tax seasons, education credits are like throwing your return into the slow lane of IRS processing. It's much more complex than most people realize!

Has your friend received any letters from the unemployment office about the overpayment? And how long ago did she file the protest? I'm wondering if there's a specific timeframe when these things typically get resolved? I'm asking because my sister had something similar happen last year, and even though she was in the middle of appealing, they still put a hold on her refund initially.

OMG this EXACT thing happened to me in January! I had a $3,200 "overpayment" from unemployment that was completely bogus. I filed my protest on Jan 15th and filed my taxes on Feb 1st. I was so worried about my refund! 😬 I called that offset number literally every week. My refund came through perfectly normal on Feb 21st, and then in March, my protest was approved and the overpayment was removed. The key is that they can't certify a debt for offset while it's under active protest! I'm still SO RELIEVED it worked out! 🙌

tbh u don't need to call anyone. just wait 24-48 hrs and it'll post automatically. banks always do this w/ govt deposits. happened w/ my refund last week, showed pending on Wed, posted Fri morning. calling just wastes ur time imo.

This is a standard ACH processing delay. The Automated Clearing House network typically processes government deposits in batches, with a settlement window of 1-3 business days. What you're seeing is the pre-notification of the incoming transfer, but the actual settlement hasn't completed the interbank transfer process. The customer service representative likely had to request an exception to the standard settlement timeline.

Have you tried: • Logging out completely and logging back in? • Checking with a different browser? • Confirming your TurboTax account email matches what you filed with? • Contacting SBTPG directly instead of just checking the portal? Sometimes these technical issues have simple solutions.

Same thing happened to me. DDD 2/26. Nothing on SBTPG. Called TurboTax. No help. Called SBTPG. On hold forever. Finally showed up March 1st. Got money March 2nd. System is broken this year. Just wait it out.

I had a similar situation but with student loans instead of state taxes. The WMR tool was completely useless compared to what happened with my credit card company - they at least send you an alert when they take money! After wasting hours on hold with the regular IRS number, I tried Claimyr (https://www.claimyr.com) and got through to an agent in about 15 minutes. They confirmed exactly how much was offset and how much I would still receive. Worth every penny compared to the days I spent trying to get answers last year.

Wouldn't it be nice if the IRS actually designed their systems to communicate with each other? Shouldn't a major government agency be able to update their refund tracker to show when money is being diverted elsewhere? Isn't it reasonable to expect transparency about where your tax refund is going? In my experience, you'll receive a notice (CP504) after the offset has already happened. The letter will explain which agency received your money and how much was taken. If you need this information sooner, your best bet is to request your tax account transcript, which will show the offset amount and date when it processes.

I went through this exact scenario last tax season. Had a DD date of March 15th, 2023, and was refreshing my bank account every 10 minutes like a crazy person. Nothing showed up until 3:42pm that day! The funny thing was that I called my bank at noon and they swore nothing was pending, then BAM - there it was a few hours later. Credit Karma seems to be consistent with late-day deposits. Last year I even tracked data from about 50 Reddit posts about deposit times, and Credit Karma users reported an average deposit time of 3:15pm on their designated date, with some as late as 5:30pm.

I think we should all remember that the IRS transcript date is just the day they initiate the payment... not necessarily when it will appear in your account. There are several steps in the process: IRS sends the payment instruction, the Treasury processes it, the ACH network handles the transfer, and then your bank has to post it to your account. Each step can take time, and some banks don't post deposits until their end-of-day processing. If your transcript shows today with code 846, I would say there's about a 95% chance you'll see it before midnight, and if not, it will almost certainly be there tomorrow morning.

Has anyone with the 01 cycle code noticed exactly how many days it took from acceptance to receiving their refund? I filed on January 31st, was accepted the same day, and I'm on day 22 with no DDD yet. Just wondering if there's a precise pattern for 01 cycle filers claiming child credits?

According to Internal Revenue Manual 3.30.123, cycle codes are primarily administrative indicators used for the IRS's weekly processing schedule. The 01 cycle generally indicates Monday updates, but numerous factors can affect actual refund timing regardless of cycle code. Per the Taxpayer Advocate Service's 2023 report, returns claiming refundable credits like the Child Tax Credit undergo mandatory additional review under IRC Section 6402(m), which can add 2-3 weeks to processing time regardless of preparation method or banking institution. I appreciate everyone sharing their experiences as they provide real-world context to these regulatory frameworks.

OMG been thru this w/ my mom's taxes too. The reg IRS # is useless IMO. Try the TAS (Taxpayer Advocate) at 877-777-4778. They helped w/ my mom's return that was stuck for 2+ mos. Turns out there was an ID verify issue but the letter got lost in the mail?! TAS got it fixed in ~3 wks. Also check if there's a local TAS office near you - sometimes in-person is better. Good luck!

Here's a step-by-step approach I'd recommend: 1. First, check her transcript online if possible (irs.gov → View Your Account → Tax Records) 2. Look for specific codes like 570, 971 that indicate processing issues 3. Call the main IRS number (800-829-1040) between 7:00-7:15am Eastern 4. Follow this path: 1 → 2 → 1 → 3 → 2 → enter SSN → 2 → 4 5. If unsuccessful after 2-3 attempts, try the Taxpayer Advocate at 877-777-4778 6. When speaking with a representative, ask specifically about "processing delays" and "verification holds" 7. Request they check if any notices were sent that may have been lost I was so relieved when this method finally got me answers about my father's delayed refund!