Been banking with Chime for 3 years and can confirm they're super fast with deposits! But yeah, the IRS doesn't actually send anything on weekends. Last year my deposit date fell on a Sunday and I got it the Friday before around 3pm. With Presidents Day this year though, you're probably looking at Tuesday the 18th like others said. The waiting game is brutal but at least Chime won't hold it up once the IRS releases it!

I've been through this exact situation with Chime before! The key thing to remember is that while Chime is great at processing deposits quickly once they receive them, the IRS still follows federal banking rules. They don't initiate ACH transfers on weekends or federal holidays. Since your deposit date is Saturday the 16th and Monday the 17th is Presidents Day, the IRS will most likely send your refund on Friday the 15th (which means you could see it Thursday night or Friday morning with Chime's early deposit) or Tuesday the 18th. I'd lean toward Friday since the IRS usually tries to get refunds out before the scheduled date when weekends are involved. Keep checking your account Thursday evening!

Have you tried contacting a Taxpayer Advocate? They're supposed to help when normal channels aren't working! I'm worried about your quarterly issue causing cascading problems if it's not resolved quickly. Would your accountant be able to help navigate this? So frustrating that our tax system makes it this difficult to just talk to someone!

I feel your frustration! As someone who's dealt with similar IRS phone issues, I found success with a few strategies: First, try the automated callback feature when available - you can request a callback instead of waiting on hold. Second, consider faxing your inquiry to the Business & Specialty Tax Line at 855-641-6935 with your specific discrepancy details and contact info. Third, if this is truly time-sensitive for your estimated payments, you might qualify for Taxpayer Advocate Services (mentioned by others) - they have authority to expedite cases that could cause financial hardship. Also, check if your issue can be resolved through your online IRS account or by mailing Form 843 if it's about penalties/interest. Document everything for your records!

Has anyone here used TurboTax for this kind of situation? I'm having the same issue as OP but wondering if the tax software will figure it out automatically or if I need to do something special.

I'm a newer member here but wanted to share what I learned from a similar situation. Like others mentioned, Form 8919 isn't the right form since you're properly classified as an employee with a W-2. The key thing to check is whether your employer is correctly handling tip reporting and withholding. If you reported tips to your employer (which it sounds like you did), they should be withholding Social Security and Medicare taxes on both your hourly wage AND your reported tips. The fact that nothing was withheld suggests a payroll processing error. I'd recommend checking with your employer's payroll department first - they may need to issue a corrected W-2. If they're unresponsive or the issue isn't resolved, you might need to contact the IRS directly to report the employer's failure to withhold required taxes. This is different from Form 8919, which is specifically for worker misclassification disputes. Make sure to keep documentation of your tip reporting (Form 4070 or equivalent records) in case you need to prove you properly reported your tips to your employer.

One thing nobody's mentioned yet - since your mom had a stroke and likely qualifies as disabled, she might be eligible for an IRS provision called "Disability Discharge." This isn't widely known but can be huge. I discovered this after my husband became disabled. You'll need medical documentation showing permanent disability, but if approved, it can result in forgiveness of certain tax debts. It's not guaranteed and doesn't apply to all types of tax debt, but definitely worth investigating given her stroke and ongoing health issues. Also, make sure to check if your state has similar provisions for state tax debt - many states have parallel programs for disability-related tax relief.

I'm so sorry you're dealing with this overwhelming situation. As someone who works in tax resolution, I want to add a few critical points that could really help your mom's case. First, given that she was self-employed and dealing with mental health issues, there's a good chance the IRS may not have accurate records of her actual income during those years. Self-employed individuals often have the IRS estimate their income based on industry averages, which can be way higher than reality. Getting those returns filed with actual income figures could significantly reduce what she owes. Second, her stroke and ongoing health issues could qualify her for "reasonable cause" relief from penalties. This is separate from hardship status and can result in substantial penalty reductions. You'll need medical documentation, but given the severity of her condition, this could eliminate a huge portion of her debt. Also consider that if she had very low income in some of those years, she may not have owed much (or anything) for those periods. Self-employed people only owe self-employment tax if their net earnings exceed $400 annually. The most important step right now is getting those returns filed to establish the actual tax liability rather than letting the IRS continue to estimate. Everything else becomes much clearer once you know what she actually owes versus what penalties and interest have accumulated.

I went through this same thing last year! Notice 1462 is definitely just identity verification - nothing scary. The whole process took about 2 weeks once I verified online through ID.me. Just make sure you have your prior year tax return handy when you verify, they'll ask questions about it. Don't stress too much, it's super common these days with all the fraud prevention measures they've put in place.

Same thing happened to me last month! The notice 1462 is definitely just identity verification - totally routine. I was panicking too when I first saw it on my transcript, but it turned out to be no big deal. The verification through ID.me took about 10 minutes, and my return processed about 3 weeks later. Just have your previous year's tax return ready because they'll ask specific questions about amounts and filing status. Way less scary than it seems!