The mail delays are absolutely real and getting worse. I just dealt with a CP14 that was dated January 28th but didn't arrive until February 22nd - that's 25 days! What's really frustrating is that the IRS starts calculating interest and penalties from the original assessment date, not from when you actually receive the notice. I ended up having to pay an additional $47 in interest because of the postal delay. Pro tip: if you're expecting any IRS correspondence, start checking your online account daily and calling them if something seems overdue. The agents have been pretty understanding about the mail issues, but you have to be proactive about it. Don't wait until you're past a deadline to reach out.

This thread is incredibly helpful - I had no idea about the gap between letter dates and actual mailing! I'm currently dealing with a CP2000 notice situation and have been stressed about potential delays. Based on everyone's experiences here, it sounds like the key is being proactive rather than reactive. I'm going to set up that IRS online account today and enable email notifications. For anyone else reading this, it seems like the consensus is: 1) Check your online IRS account regularly, 2) Call immediately if you suspect delays rather than waiting until deadlines pass, 3) Document everything when you call, and 4) Don't panic - the IRS agents seem to understand these postal delays are happening system-wide. Thanks everyone for sharing your real experiences with timeframes and solutions!

Has anyone considered that this might actually be intentional by the IRS? By sending refunds instead of applying them as requested, they create situations where people either have to scramble to make estimated payments or potentially face penalties later. Just saying...

I went through this exact same situation last year and it was incredibly frustrating! The IRS processed my return incorrectly despite me clearly marking the box to apply my overpayment to estimated taxes. Here's what I learned: Don't cash the check yet. Call the IRS directly (yes, the wait times are awful, but it's worth it) and explain that they sent you a refund check when you specifically requested the overpayment be applied to your 2024 estimated taxes. Have your Social Security number and the exact amount ready. When I called, the representative was able to see my original election on the return and confirmed it was their processing error. They had me write "VOID" across the check and mail it back with a letter explaining the situation. About 6 weeks later, I received confirmation that the amount had been properly applied to my estimated tax account. The key thing is that they noted in my file that this was their error, so there were no penalties for the "late" estimated payment. Keep detailed records of everything - your original return, the refund check, any correspondence with the IRS, and notes from phone calls including dates and representative names if possible. It's definitely their mistake, not yours, so don't let them try to penalize you for it later!

@Omar Farouk - I went through the exact same situation with my RSUs last year! That page 7 confusion is so common. In my case, page 7 was actually showing supplemental information about cost basis adjustments that I needed to account for. Here's what helped me: First, check if there's a legend or key somewhere on your 1099-B that explains what each page represents. Second, look at the total proceeds across all pages - they should add up to your total stock sales for the year. For RSUs specifically, the tricky part is that when they vested, you already paid income tax on their fair market value at that time. That value becomes your cost basis, not what you originally "paid" (which was $0). If your 1099-B doesn't show the correct adjusted basis, you'll need to make sure you're not getting double-taxed on that income portion. One thing that saved me a lot of headaches was keeping good records of when my RSUs vested and what the stock price was on those dates. Your HR department or stock plan administrator should have this information if you don't have it handy. Don't skip page 7 - even if it looks different, it likely contains important transaction data that needs to be reported!

I'm dealing with a similar RSU situation and found that the key is understanding what "cost basis" actually means for these shares. When your RSUs vested, your company likely withheld taxes on the fair market value of those shares - that amount becomes your cost basis, not zero. Check your W-2 from the year your RSUs vested to see if that income was reported there. If it was, then you've already paid ordinary income tax on that value. When you sell the shares later, you only owe capital gains tax on any appreciation above that vested value. Most major brokerages like Fidelity, E*Trade, and Schwab now correctly report adjusted basis on 1099-B forms, but some smaller ones still don't. If your form shows $0 or very low cost basis, you may need to make adjustments to avoid double taxation. The $12,000 in proceeds on page 7 sounds significant enough that you definitely want to get this right. When in doubt, it's worth consulting with a tax professional for the first year you deal with RSUs - the rules can be tricky but once you understand them, future years become much easier.

@Amara Nwosu I wouldn't panic just yet! Credit Karma's customer service can be helpful, but they'll likely tell you the same thing - deposits typically process within 24-48 hours of your DDD. Since today is 2/25, you should definitely see it by tomorrow morning. That said, calling them could give you peace of mind and they might be able to see if the deposit is "pending" in their system. Their phone support is usually pretty responsive compared to other online banks. You can also check the Credit Karma app notifications - sometimes they'll send an alert when a large deposit is processing even before it shows in your available balance. If you don't see anything by end of business tomorrow (2/26), then I'd definitely follow up with both Credit Karma and potentially check your IRS transcript to make sure the refund was actually sent to the right account.

I've been through this exact scenario with Credit Karma twice now. For timing, they typically process government deposits (including tax refunds) between 6 AM and 10 AM EST on your DDD, but it can extend into the following business day if there's heavy volume. Since your DDD was 2/25, you should definitely see it by tomorrow morning. For transferring over $10K, here's what worked for me: I called both my Credit Karma and receiving bank ahead of time to let them know about the large transfer. This prevented any holds or flags. Most banks allow you to temporarily increase your daily transfer limits if you call and explain it's a tax refund transfer - they just need to verify your identity and may ask for documentation. One tip: initiate the transfer during business hours (9-5) on a weekday. Weekend or after-hours large transfers are more likely to trigger automated reviews. Also, keep your tax documents handy in case either bank needs to verify the source of funds. The $10K reporting threshold is automatic but routine - don't try to break it into smaller amounts as others have mentioned, as that can actually create more problems than it solves.

Ugh this is so frustrating! I filed on 1/20 too and got accepted the same day but still no advance. The whole "minutes after acceptance" thing feels like false advertising at this point. Really considering switching to a different service next year if they can't get their act together 😤

Been dealing with the exact same thing! Filed 1/19, accepted 1/21, and still waiting on my advance. Called CK support twice and got different answers each time - first they said "technical issues" then "additional verification needed." Really wish they'd be more transparent about what's actually causing these delays instead of keeping us in the dark. At this point I'm just hoping it shows up before the weekend 🤞