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I recommend pulling ur tax transcript if u can. U can see EXACTLY wats happening with ur return. The IRS has specific codes that show if its being processed, under review, etc. I couldnt figure out why mine was delayed until I saw code 570 on my transcript which meant they were reviewing something. Much more useful than the generic "still processing" message on Where's My Refund.
The codes are super confusing tho. I had no idea what any of them meant when I checked mine
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If you're confused by transcript codes, check out taxr.ai - it explains what all the codes mean and actually tells you when to expect your refund based on your specific situation. Just used it last week and it was spot on!
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not to freak you out but i had this happen 2 years ago and it turned out someone had filed a fraudulent return using my SSN. definitely check your transcript or call the IRS to make sure everything is ok.
Oh god that's terrifying. How did you resolve it?
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had to file an identity theft affidavit (form 14039) and paper file my return. took almost 9 months to get my refund. not saying this is happening to u but better to check sooner than later!
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I checked my Where's My Refund and it's showing such a confusing message. It says: "Your tax refund has been approved for direct deposit. However, it may be partially or completely reduced to pay a past due obligation, such as child support, another federal agency debt, or state income tax. If so, the Bureau of the Fiscal Service (BFS), who issues IRS refunds, will send you a notice with the amount of the debt and contact information. The details of the debt are not provided to the IRS. This application will be updated with the refund amount remaining, if any, after the debt is deducted. If your refund is not credited to your account by March 4, 2025, please revisit this site or visit IRS.gov/Refunds, for your revised refund status. Updates to refund status are made no more than once a day." There's also a note about "Tax Topic 203, Refund Offsets for unpaid child support and certain federal, state, and unemployment compensation debts." The WMR tool shows my return was Received, then Approved, and supposedly "Sent" - but with this warning about possible reduction for past debts. But here's the weird part - when I called the Treasury Offset Program number, the automated system says I don't have any debt! Has anyone dealt with this before? My refund was supposed to hit my account by March 4, 2025 and WMR specifically says to check back if it doesn't arrive by then. I'm confused because if there's no debt, why am I getting this message? And why would my refund be delayed if BFS doesn't show any debts against me? Is there something going on with the IRS systems where they're showing potential offsets even when none exist? Or is there some debt I'm unaware of that just hasn't been recorded in the Treasury Offset Program yet? I'm really counting on this refund and this uncertainty is stressful.
Print out your credit reports from all three bureaus and check for any collections accounts you might not know about. Sometimes old medical bills or utility bills from years ago can trigger an offset. I found out I had a $200 medical bill from 5 years ago I never knew about that was holding up my $3000 refund! š¤¦āāļø
I had EXACTLY THIS SITUATION in June! Called the offset number: no debt. Called IRS: they said wait for BFS letter. Letter never came, but my bank suddenly had a deposit for $300 less than my expected refund a week after the projected date. Called again and after 1.5hrs on hold found out it was for a state tax debt from 2017 that I never knew about because I moved. The systems don't talk to each other well.
That's really helpful information. I'll double check with my state tax agency too. Thanks!
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The 21 days is actually pretty accurate based on my experience. mine came on day 19. what I hate is theres no tracking for the letter so ur just checking the mail everyday like a maniac š«
Omg yes! I was literally running to the mailbox every day hoping for that stupid letter. Most stressful 3 weeks ever.
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The IRS is SOOOOO behind on everything this year. I filed in January and just got my refund last week after going through verification. The phone agents are actually pretty helpful once you get through to them, but yeah, gotta wait for that letter unfortunately. Set a calendar reminder for 21 days and try to forget about it until then (I know easier said than done when waiting for your money).
Anyone have luck getting through to SBTPG's customer service? I tried calling yesterday and was on hold for over an hour before giving up.
I used Claimyr to get through to the IRS instead (claimyr.com). IRS told me my refund was already sent to SBTPG and they were just dragging their feet on processing. The call got my issue resolved and my refund showed up the next day!
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I had such a hard time with SBTPG and the IRS last year that I almost lost my mind. This year I used a service called Claimyr to actually get an IRS agent on the phone (claimyr.com). Got through in about 25 minutes when I'd been trying for weeks on my own. The agent confirmed my refund was on the way and gave me exact dates. Talking to a real person who could see my actual account was so much better than guessing based on online status bars.
omg that sounds amazing. i been trying to reach someone at the IRS for literally MONTHS
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It seriously was the best decision I made. After talking to an actual IRS agent, I finally got a straight answer instead of trying to interpret cryptic codes and messages online. Worth every penny for the time and stress it saved me.
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FWIW I had the same situation, even had the same "we couldn't expedite" message. My transcript finally updated last week (filed 2/1, PATH affected). Hopefully yours updates soon! The system is incredibly frustrating.
After waiting FOREVER with the same issue, I got so fed up I used Claimyr to reach an IRS agent directly. Got a callback in 45 minutes and they explained my return was just sitting in the queue waiting to be processed. Started showing on my transcript the next week. Talking to a real person who could see my actual file was such a relief after weeks of stress. Their number is impossible to get through otherwise.
Pro tip: Friday night/Saturday morning is when most transcripts update. Check yours every Saturday morning and you'll eventually see movement. That's when they run their weekly batch processing.
Thank you! I'll try checking Saturday mornings instead of obsessively refreshing every day lol
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Struggling with similar issues for weeks, I finally broke down and tried claimyr.com. Got connected to an IRS agent after trying for days on my own with no success. The agent actually gave me specific info about why my refund was delayed (verification issue they never told me about!) and I was able to resolve it. If you need actual answers instead of the runaround, it's worth trying.
This seems like an ad. Is this service actually legit or just another scam?
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I was skeptical too, but it worked exactly as promised. They navigate the phone system and wait on hold, then call you when they reach an agent. Talking to an actual human at the IRS resolved my issue in minutes after weeks of stress.
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it might be sent but your bank has it in pending. some banks will hold federal deposits for 1-3 days for clearing, especially in high fraud areas.
Look at your transcript for codes 846, 570, or 971. Those will tell you what's actually happening. 846 with a date means funds released. 570/971 combo usually means there's an issue they're reviewing.
If you have 846 with 2/26 date and no other codes after it, then it should definitely be coming soon. That means the IRS has approved and sent it. Most likely it's either 1) still in transit between banking systems or 2) your bank is holding it for processing for a day or two. I'd give it until Monday before worrying.
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mine had an 846 and two weeks later got a 420 audit code š hope that doesnt happen to you
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did you work with a tax preparer? sometimes they take out their fees from the refund before it hits your account which can cause delays
I just used TurboTax and paid their fee separately with a credit card, so they shouldn't be taking anything from my refund directly.
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I've used Karma Money for 2 years now and never had issues with tax refunds. Give it till early next week before freaking out. The banking system is slower than you'd think even in 2025! š¢
Sometimes a refund can be delayed even with a deposit date if: 1. You have past due federal or state debts 2. You owe back child support 3. You have outstanding student loans 4. There's a bank account issue Any of these apply to you?
No, don't have any of those issues. My return was pretty straightforward - just W2 income, standard deduction, nothing unusual.
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try calling the IRS directly if your concerned... oh wait, you cant because they NEVER ANSWER THE PHONE š¤¬
I found a solution for this! Used claimyr.com to get through to an IRS agent last month. They navigated all the phone menus and got me connected to a real person who finally resolved my issue from 2022. After months of trying to call myself with no luck, I had an actual conversation with the IRS in less than an hour!
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For real? might have to try that. been trying to reach them for weeks about my amended return and ready to pull my hair out
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Jamal Wilson
Went through this EXACT scenario last year. The As Of date changing was actually the first sign of movement. In my case, they released my refund about 3 weeks after the date change. I would suggest calling them though - my issue was they needed to verify something and never sent me a letter about it. Once I provided what they needed, the refund was processed quickly.
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Mei Lin
What finally worked for me after 11 months of waiting was using taxr.ai to identify the exact issue (missing 1099 info) and then using claimyr.com to get through to an IRS agent. The combo of knowing exactly what was wrong and being able to talk to a human solved my problem in less than a week after almost a year of waiting. Don't waste time like I did!
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Liam Fitzgerald
i've been seeing people mention this taxr.ai thing - what exactly does it do? i'm so confused about my transcript
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Mei Lin
It basically translates all the cryptic IRS codes and dates into plain English and tells you exactly what's happening with your return. It showed me that I had a missing income document that was causing the delay - something I never would have figured out from just looking at the transcript myself. Super helpful if you're stuck!
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