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After struggling with this same issue, I finally got through to the IRS using Claimyr (claimyr.com) and found out my refund was actually on hold due to a verification issue that TPG never told me about. Talking directly to an IRS rep solved my problem immediately. They released my refund that day and I got my money 48 hours later. I've never been able to get through to the IRS phone lines before, so this was a game changer.
The IRS can see more details about your overall refund status, including when they sent the money to TPG and if there were any flags or holds. In my case, there was a verification flag that needed to be cleared before TPG could process it, but TPG never bothered to tell me that.
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Saved my sanity last year with a similar situation. After weeks of TPG giving me the runaround, one 15-minute call with an actual IRS person fixed everything. TPG magically processed my refund the next day.
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Hey everyone, I work at a bank (not saying which one). When TPG shows "funded" it means they have received your refund from the IRS, but they still need to process it on their end. They batch process payments, usually at the end of the day. If your refund hit TPG on a Friday afternoon, it might not be processed until Monday or Tuesday. Then it takes 1-2 business days for ACH transfers to complete. So realistically, you're looking at 3-5 business days AFTER the funded status appears.
Thanks for explaining this. Do you know if banks process these deposits on weekends or only business days?
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Most banks only process ACH transfers (which is what TPG uses) on business days. Some banks might show pending deposits on weekends, but they won't actually post to your account until the next business day. Hope that helps!
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FWIW some refunds are being held because of the backlog from the government shutdown threat last year. Not saying that's your situation but just one more possibility. I'm in a similar boat - 2022 return still not processed fully. It's criminal how they treat us.
have you tried contacting your local congressperson's office? sometimes they can help push the IRS on delayed refunds. worth a shot since youve been waiting so long
That's a good idea, hadn't thought of that. Will try on Monday, thanks!
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Your transcript will show a 150 code when your return has been processed and entered into the system. Until then, it will look empty. Most returns are taking about 15-20 days for that first code to appear from what I've seen on this sub. Don't panic yet!
Why would anyone file their tax returns in 2025 for their 2024 taxes already??? I think you mean 2023 and 2024 for filing dates.
The filing season for 2024 taxes opened in January 2025. That's normal. You always file the previous year's taxes in the current year.
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Omg you're right. I'm an idiot. I was thinking about the tax YEAR not the filing year. π€¦ββοΈ Need more coffee clearly!
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This happened to me earlier this year despite having used the exact same bank account for direct deposit for the past 6 years! I called the IRS endlessly trying to figure out why, but couldn't get through to a human. Finally used that Claimyr app everyone talks about (claimyr.com) and got a live person on the phone who explained my bank actually rejected the deposit because it was over their ACH transfer limit! I had no idea banks could do that. Would have been lost without talking to an actual agent.
That's weird, didn't know banks had ACH limits for incoming transfers! How big was your refund, if you don't mind me asking?
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It was around $12,000 because we had a lot of deductions from buying a house. Apparently my credit union has a $10,000 ACH transfer limit that I never knew about!
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The IRS puts u through so much BS its exhausting! I had exact same issue last yr & had to wait FOREVER for check. Our tax systems so broken it might as well be held together w elmer's glue lmaooo
Ok I've been having so much trouble understanding my tax transcript and where my refund is. The IRS site is confusing AF with all these random codes and dates. I tried calling but gave up after being on hold for 2 hours. Anyone know how to actually figure out what's happening with my return?
If you need to actually talk to someone at the IRS (which is nearly impossible these days), try Claimyr. Got me a callback from an agent within 45 minutes after I spent days trying to get through on my own.
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Thanks for the suggestions! Just tried taxr.ai and it totally broke down what was happening - turns out my return is under review because of a mismatch with one of my W2s. At least now I know what's going on!
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OP - was this your first time using Current bank for tax refund? Wondering if its worth switching from my traditional bank if I'd get my refund faster next year.
Yep, first time! Used to use Chase and they always made me wait until the exact DDD date. Current definitely released it earlier which was nice.
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awesome, thx. might switch before next tax season!
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I filed my return back on March 1st and got the acceptance notification from the IRS within 48 hours. It's been 6 weeks now and I still can't see ANY information on my transcript. I keep checking the IRS website (sa.www4.irs.gov) and it's driving me crazy. When I log into my account, the only thing showing up is a notification that says "Refund Status Now Available" under the Notifications section where it shows "1 Unread" message. But when I click on it, there's absolutely nothing there. It just says "Check your refund status for up to the three most recent tax years" but doesn't actually show my refund status. My account page clearly displays the "Payments" section with options for "MAKE A PAYMENT," "View Payment Options," and "View Payment Activity" but nothing about my return processing. The "Records and Status" section shows "Information Return Documents to assist in filing your returns" and "View Tax Records for: Key information from your most recent tax return" and "Downloadable transcripts and Tax" but when I try to access them, the transcript is completely blank. I've tried checking "Where's My Refund" and all it says is that my return has been received and is being processed. No dates, no timeline, nothing. Just that vague message. This is driving me insane because I'm counting on this refund. The battery on my phone was at 18% while I was desperately refreshing the page yet again today at 5:28. Has anyone else had this happen? How long did it take for your transcript to actually show something? I'm getting really worried that something went wrong with my filing.
Not to freak you out but have you checked if someone filed a return using your SSN? My friend had this happen to him last year - his transcript was blank but it turns out someone had already filed a fraudulent return with his info early in the season. Might be worth checking your credit report just to be safe.
He finally got through to the IRS and they told him. But don't panic - if you got an acceptance notification for YOUR return, that means the IRS accepted it under your SSN, so probably not identity theft. My friend never got an acceptance, his return was rejected.
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That's a relief. I did get an acceptance notification, so hopefully it's just normal IRS slowness and not something more sinister.
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Anyone else remember when refunds used to take like 2 weeks max? The IRS gets worse every year I swear. My parents told me they used to get their refunds in like 7-10 days back in the 90s.
For real! My first tax return in 2008, I filed and literally had the money 8 days later. Now we're sitting here begging for scraps of information 6 weeks later like π€‘
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Congress keeps cutting their budget and then everyone complains when service gets worse. What did people expect would happen? π€·ββοΈ
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So frustrating how the IRS holds onto our money for "reviews" but if we owe them, we better pay on time with interest! π The double standard is real.
Preach! They can take their sweet time giving us our money but we're penalized instantly if we're late. Make it make sense!
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And they don't even pay us interest until after 45 days. Such a scam.
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I used to freak out about these codes until I realized how common they are. Last year had 570, got my refund 3 weeks later with no contact from IRS. Year before had 420 examination code, got a letter, sent in docs, and still got full refund. Their system flags things automatically - try not to panic.
I got the 507 code last year and waited 60 days with no movement. Finally I just decided to call the IRS directly. After three days of trying, I couldn't get through so I used claimyr.com to get a callback. The agent was able to tell me exactly what was wrong (a mismatch with my employer's reporting) and released my refund on the spot. Got it 8 days later. Sometimes you just need to talk to a human.
I felt the same way but after spending literal days trying to get through myself, it was worth every penny. When you're waiting on thousands of dollars, you do what you gotta do. The IRS phone system is intentionally impossible to navigate, I'm convinced.
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Can confirm, this worked for me too. After weeks of failed attempts to call, I got through and had my issue resolved pretty quick. The agent even seemed surprised it had been flagged in the first place.
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i recived the 507 code around this time two months ago. got notice in mail saying they needed to verify my employment info (i switched jobs midyear). sent in the requested docs and refund came exactly 43 days later. so it was about 75 days total from code to refund.
does it matter if both of you r over 18? I thot there wer age restrictions?
Age restrictions only apply to "qualifying child" dependents. For "qualifying relative" dependents (which is what OP would be), there are no age restrictions. They just need to meet the income test, support test, and residency test.
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The IRS has a dependency assistant tool on their website that can help you figure this out: https://www.irs.gov/help/ita/whom-may-i-claim-as-a-dependent
I tried using that tool and it kept crashing halfway through. Classic IRS π€¦ββοΈ
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That tool is so confusing. It asked me questions I didn't understand and then gave me a result that contradicted what a tax pro told me.
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Anastasia Smirnova
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?
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Carmen Vega
No, don't have any of those issues. My return was pretty straightforward - just W2 income, standard deduction, nothing unusual.
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Sean O'Brien
try calling the IRS directly if your concerned... oh wait, you cant because they NEVER ANSWER THE PHONE π€¬
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Luca Bianchi
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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Sean O'Brien
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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