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I had this exact situation on February 23rd, 2023. Filed on February 7th, 2023 with TurboTax. Got the acceptance confirmation on February 8th, 2023. Checked transcript on February 23rd, 2023 and saw the Non-Filing Verification Letter. Called IRS on February 24th, 2023 and they confirmed my return was in the system but not fully processed. My transcript finally updated on March 9th, 2023 and I received my refund via direct deposit on March 14th, 2023. The IRS representative explained this happens frequently during peak filing season when their systems are processing millions of returns simultaneously. The acceptance confirmation is the key indicator your return was received - the transcript system simply hasn't caught up yet.
So basically we're just stuck in limbo for a month? π© Did they at least explain why some returns get processed in days while others take forever? I filed almost the same day as my sister and she got her refund two weeks ago already! Makes me wonder if there's some secret flag on my account or something, lol.
5d
I've been through this process multiple times and here's exactly what's happening: Step 1: Your return is transmitted to the IRS through TurboTax Step 2: The IRS sends an acknowledgment that they've received it Step 3: Your return enters the processing queue Step 4: While in this queue, your transcript still shows as "not filed" Step 5: Once processing begins, your transcript will update The Non-Filing Verification Letter appears because the system is technically correct - your return hasn't completed processing yet. I'm skeptical of quick fixes for this situation. Despite what some suggest, this is simply how the IRS systems work. The confirmation from TurboTax is your proof that the return was submitted successfully. I wouldn't worry unless this continues past March 15th, at which point it might indicate a deeper issue requiring intervention.
I can confirm this timeline is consistent with current IRS processing procedures. Per Internal Revenue Manual 21.4.1.5.7, EITC claims filed early in the season should complete processing within 21 days after the February 15th PATH Act release date. My return was accepted February 3rd, held per PATH Act until February 15th, processed by February 28th, and deposited March 1st. The system is working as designed this year, which is a significant improvement over the 2021-2022 processing delays we experienced during the pandemic backlog.
This is so helpful! I filed on February 12th and was getting worried because today is March 4th and still nothing. But if I count from February 15th like you mentioned, I'm only at 17 days which is still within that 21-day window. I need this money for car repairs ASAP but at least now I know I'm still in the normal timeframe!
5d
Is that 21-day timeframe business days or calendar days? The IRM procedures often specify business days for internal processing metrics, which would extend the expected timeframe significantly. Also, did you claim any additional credits beyond EITC that might trigger additional verification sequences?
5d
Thx for sharing this! Just got my DD today too w/ EITC and CTC. Filed 2/10, accepted same day, WMR updated 2/28, DD today 3/2. Used TT and BoA. Seems like most ppl w/ EITC are getting pmts right around now. Huge relief tbh, was starting to stress bc my car payment is due Monday. Anyone know if the 2nd half of CTC comes separately or was it all included in this refund?
According to the California Franchise Tax Board website (https://www.ftb.ca.gov/), they've begun distributing the Middle Class Tax Refund payments this month. Has anyone in this forum received theirs yet? My wife and I filed jointly for the first time this year, and I'm tracking all expected payments in our financial planning spreadsheet. Just seeking data points on distribution timeline. βΊοΈ
I've been tracking the MCTR distribution metrics across several online forums, and there appears to be a correlation between filing method and distribution timeline. E-filers with direct deposit information on file are receiving payments approximately 5-7 business days earlier than those in the same alphabetical cohort who filed paper returns. Additionally, taxpayers who utilized the Standard AGI Computation rather than the Alternative AGI Computation on their CA returns are seeing faster processing times by approximately 3 business days.
Successfully received my Middle Class Tax Refund yesterday. According to the California Revenue and Taxation Code Section 17052.10, which authorized this rebate, the payments must be completed by February 2025. However, the FTB has consistently delivered ahead of statutory deadlines for similar programs. For those concerned about timing, the legislation specifies that all eligible recipients must receive payment, and the FTB cannot arbitrarily deny or delay legitimate claims beyond the statutory period.
This delay is typical for refunds with Refund Transfer (RT) processing. When you elect to have fees withheld from your refund, your payment goes through Santa Barbara Tax Products Group (SBTPG) which serves as the Authorized IRS e-file Provider. SBTPG receives your refund, deducts authorized fees, then forwards the remainder to your designated financial account. Their processing window is contractually allowed to take up to 5 business days from the IRS Direct Deposit Date, though it's typically completed within 1-3 business days. The Emerald Advance repayment adds an additional reconciliation step to this process.
Just got my refund today after being in exactly your situation. DDD was 2/26, had fees taken out for tax prep, and used CashApp. Money hit my account this morning. This is actually faster than last year when I used a traditional bank and had a 4-day delay after my DDD. CashApp generally processes deposits as soon as they receive them, unlike some traditional banks that might hold them until morning processing cycles. Your money is probably just working its way through TPG's system to pay off your advance before sending the remainder to you.
According to SBTPG's Service Level Agreement as outlined in their Terms of Service (Section 4.3), they are required to process and release funds within 24-48 hours of receiving them from the IRS, excluding weekends and holidays. If they've held your funds longer than this period, you should specifically cite this when you call. Per Consumer Financial Protection Bureau Regulation E, they are obligated to investigate and resolve any fund transfer issues within 10 business days. Document all your call attempts and responses for potential CFPB complaint if needed.
I'm SO ANGRY right now! I finally got through to SBTPG yesterday after calling 800-901-6663 and waiting for 1 hour and 22 minutes. The agent confirmed my refund had been sitting in their system since April 2nd, but there was a "verification hold" they never notified me about! They released it immediately after I called and my bank showed the deposit this morning. Don't give up - keep calling until you get answers!
I was nervous about using Varo for my refund this year - it felt like putting all my eggs in a digital basket instead of the brick-and-mortar vault I'm used to! But I took the plunge and it worked out great. The money showed up like rainfall after a drought - sudden and very welcome. I'm just seeking confirmation from others that this wasn't just a lucky one-time thing?
Your digital basket analogy is spot on! I was concerned about the same thing. Thanks for sharing your positive experience - it helps to hear real-world examples rather than just company claims.
5d
Def not just luck! Been using Varo for tax refunds since 2021. Always 1-2 days faster than my hubby's big bank. Never had probs with them holding $$ either. Just make sure ur acct is already active with some deposits b4 tax time.
5d
I think it's important to clarify that the IRS sends out refunds in batches, typically on Wednesdays for direct deposits. So if your return is processed just after a batch goes out, you might wait nearly a full week before the next batch, regardless of which bank you use. That said, once the IRS initiates the transfer, online banks like Varo typically make the funds available more quickly than traditional banks.
This happened to me last year! Filed on February 2nd, 2023, got accepted immediately, but my refund wasn't part of a batch until February 15th. Checked WMR obsessively for 13 days straight. Once it was sent, Varo made it available within hours while my previous bank would've held it until the next business day.
5d
I went through this exact situation and needed clarity on whether amending was worth it. Called the IRS for three days straight and couldn't get through. Finally used Claimyr.com (https://youtu.be/_kiP6q8DX5c) to connect with an IRS agent in about 15 minutes. The agent confirmed I would benefit from amending and explained exactly how to proceed. Saved me days of frustration and uncertainty. Some things you really need to hear directly from an IRS rep.
Thank you! I might try that service. I've been on hold with the IRS for over an hour today and keep getting disconnected. Did they explain why TurboTax shows it as "in progress" even after getting the refund?
5d
Yes! The agent explained that tax software status and IRS status are completely separate systems. TurboTax is flagging your account for a potential amendment, but has no real-time connection to your actual IRS account status. The "in progress" is basically TurboTax's way of saying "we think you should take action on this account" - not that your original return is still processing.
5d
Just want to point out - if you do amend, be prepared to wait a WHILE. I filed an amended return for a similar issue last year and it took almost 4 months to process. The IRS is still catching up on backlogs.
According to the IRS.gov FAQ section on refund offsets (https://www.irs.gov/faqs/irs-procedures/refund-inquiries/refund-inquiries-0), the online account balance updates can take up to 3 weeks. I was checking mine obsessively and found that requesting my transcript through the 'Get Transcript Online' tool showed the offset applied much sooner than my account balance updated. Look for Transaction Code 826 with an amount matching your offset - that's your proof it was applied even if the balance hasn't updated yet.
Think of the IRS like a giant cruise ship - it takes a long time to change direction. They've taken your money (turned the wheel) but the ship is still moving along its previous course for a while (showing the old balance). If you need immediate proof for your refinance, don't wait for the website. Call the IRS Practitioner Priority Line at 866-860-4259 and request a 'Record of Account' transcript to be mailed to you. It's like getting the captain's log instead of waiting for the passengers to notice the ship has turned.
I was confused about this too and couldn't make sense of my tax transcript when it finally updated. I used taxr.ai to analyze it and it immediately identified the offset code and explained exactly what was happening. It also showed me which part of my refund was being taken and which part I'd still receive. Super helpful for understanding all the confusing codes and dates.
Is that website legit? I'm always nervous about putting my tax info into random sites.
10d
It doesn't ask for any personal info like SSN or anything. You just upload your transcript PDF or screenshot and it analyzes the codes. It's been recommended a lot in this sub. Helped me understand exactly why my refund amount changed without having to decipher all the IRS jargon myself.
8d
If your refund is delayed but you haven't received an offset notice, it might just be normal processing delays. The IRS is still working through a backlog. My refund took 6 weeks this year with no offset involved.
Josef Tearle
The IRS is currently processing amended returns from early 2022. Anything filed mid-2022 or later is still in the queue. Your July 2022 amended return will likely be processed in the next 2-3 months based on current timelines. The Where's My Amended Return tool only updates at three points: received, adjusted, and completed. There won't be any status changes between received and adjusted, even if work is being done on your return.
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Shelby Bauman
Has anyone successfully received interest payments on their extremely delayed amended returns? According to the IRS website, they're supposed to pay interest on refunds not issued within 45 days of the filing deadline or the date you filed, whichever is later. But I've heard mixed reports about whether they're actually including this interest for amended returns that took over a year to process. Anyone have recent experience with this?
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