Listen to what most people here are saying. Trust the human IRS representative over the automated system. Mark your calendar for March 27th. If nothing arrives by March 30th, then take further action. Most verification issues this year are resolving without taxpayer intervention. The system is overwhelmed but functioning. Your money is coming.

I went through this exact same thing in February! The ID.me verification flag stayed up for almost 3 weeks after my IRS rep told me my return was already approved. It's like their systems are running on different timelines - the verification system doesn't get updated when the processing system clears your return. What really helped me was checking my account transcript on irs.gov instead of relying on Where's My Refund or ID.me. The transcript showed my actual processing codes and deposit date, which was way more accurate than the other systems. If your rep said March 27th, I'd bet money it'll be there within a day or two of that date. The joint filing thing might have triggered extra scrutiny initially, but once a human reviewed it, you're golden. Don't stress about the lingering verification message - it's just a ghost in their system at this point.

Everyone's giving great technical advice but I just want to add - don't beat yourself up about this! My spouse and I made the EXACT same mistake last year. The HSA family contribution limits are super confusing when you both have separate plans and accounts. Just call your HSA provider ASAP, they deal with this all the time. Our provider (HSA Bank) had a simple form for "removal of excess contributions" and handled calculating the earnings. The whole process took about 10 days, and we got a 1099-SA that made tax filing straightforward.

Harold, you're absolutely right that the family limit applies to both of you combined - this is one of the most confusing aspects of HSA rules! The good news is you caught this before filing your taxes, which saves you from ongoing penalty headaches. Here's the step-by-step process: Contact your HSA administrator immediately and request an "excess contribution removal" for the full $3,450 plus any net income attributable to that excess. They're required to calculate the earnings using a specific formula based on your account's performance during the time those contributions were in the account. You'll need to do this before your tax filing deadline (including extensions) to avoid the 6% excise tax that applies to excess contributions left in the account. Once processed, you'll receive a corrected Form 5498-SA and a Form 1099-SA showing the distribution. The earnings portion will be taxable income for this tax year, but there's no additional penalty if you remove it timely. Make sure to keep all documentation - the calculation method and timing are important if there are ever questions later. Don't stress too much about this - it's a very common mistake that HSA administrators deal with regularly!

Mississippi Department of Revenue implemented new fraud detection protocols for TY2023 returns. This has extended standard processing times by approximately 14-21 days beyond previous years. Returns with Schedule C income or claiming MS-specific credits undergo heightened scrutiny. Their internal processing matrix prioritizes returns based on filing method, complexity factors, and submission date. Current estimated timeline for non-complex February e-filed returns is mid-April completion.

I'm dealing with the exact same situation here in Mississippi! Filed on February 12th and got my federal refund in 8 days, but still crickets from the state. It's so frustrating because I've been counting on that refund to cover some car repairs. Reading through these comments is actually really reassuring though - sounds like it's just a system overhaul causing delays rather than anything being wrong with our returns. I guess I'll try to be patient for another few weeks, but man, this waiting game is brutal when you need the money!

Was your CP12 notice accompanied by any other correspondence? Sometimes the IRS sends multiple notices simultaneously, and the CP12 could be related to another adjustment or review of your account.

Hey Xan, I totally get the stress of dealing with IRS notices, especially after a divorce! The good news is that a CP12 is actually one of the less scary notices you can get. It just means they caught a math error or missed credit on your return and fixed it for you automatically. Since you mentioned filing as head of household this year, that's probably a change from your previous filing status due to your divorce. The IRS might have adjusted something related to that status change or dependent-related credits. My advice: Don't stress about calling unless you genuinely think their correction is wrong. Read through the notice carefully - it should show exactly what they changed and why. If the math looks right to you, just accept it and move on. You've got enough on your plate right now! If you do need to call, try early morning (7-8 AM) on Tuesday or Wednesday for shorter wait times. Good luck!