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Filed my taxes around early February and just checked the IRS2Go app for my refund status. It shows a complete refund journey - Refund Received, Refund Approved, and Refund Sent - but there's a concerning message about my refund being potentially reduced. The app specifically states: "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." It also mentions: "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 3, 2025, please revisit this site or visit the Refunds page on IRS.gov, for your revised refund status. Updates to refund status are made no more than once a day." There's even a reference to "Tax Topic 203, Refund Offsets for unpaid child support and certain federal, state, and unemployment compensation debts." I called the IRS and spoke with someone who confirmed they already took what I owed from my refund and said I should receive the remainder tomorrow. What's frustrating is that the Bureau of Fiscal Service is supposed to send a notice with details of the debt, but I haven't received anything yet explaining what I supposedly owe. The app says if I don't receive my refund by March 3, 2025 to check back. Has anyone dealt with this before? Really confused about what's happening with my money and why they're being so vague about what I supposedly owe. Will I definitely get something in the mail explaining the offset, or should I try contacting BFS directly?
Dealing with the IRS is like trying to nail jello to a wall. They probably adjusted your return but won't tell you why until they feel like sending a letter weeks later. It's ridiculous how they operate.
Use the Where's My Refund tool on IRS.gov and see if it gives any explanation. Sometimes it will tell you if there was an adjustment.
I checked but it just says my refund was deposited. No explanation about the amount change.
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This happened to me. Turns out my account got locked for "suspicious activity" which was literally just MY TAX REFUND being deposited š¤” Try calling and specifically asking if your account is locked or restricted.
Check if you got any emails from Credit Karma about identity verification. They sometimes require additional docs for large deposits but the notification gets lost in spam folders.
Hey just a heads up - check that your bank account info is correct on your return! Last year I had the right account number but accidentally transposed two digits in the routing number. The IRS caught it but it delayed my refund by 3 weeks. You can verify this info on your transcript.
SoFi customer here. My experience is that they're actually NOT consistent with the early deposit thing for tax refunds specifically. Regular paychecks? Yes. Government payments? Hit or miss. Last year my fed refund came exactly on the DDD, not early.
That's good to know! Their marketing makes it sound like ALL direct deposits come early but I guess that's not the case.
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Definitely get thru to a human ASAP!!! I had a similar issue that took 14 months to resolve because I just waited for letters. When I finally got someone on the phone using Claimyr.com they were able to resolve it in ONE CALL. Literally the best money I ever spent - one 20 minute call with a real IRS agent fixed what had been holding up $11k for over a year.
Yes! The key is getting connected to the right department. When you get through, immediately ask to be transferred to the amended return department. The first agent might say they can't help, but insist on the transfer. That's what worked for me.
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Great tip! Will do that. Thanks!
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why is everybody talking about these paid services? Just call the IRS Taxpayer Advocate Service. It's FREE and they are literally designed to help with these exact situations. 877-777-4778
Good luck getting through to TAS right now. They're so backed up they're rejecting cases unless you can prove severe financial hardship. I tried for 2 months and couldn't even get past their phone system.
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Damn really? Things must be worse than when I used them last year. That sucks.
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I don't have an answer for your specific question, but I'm actually dealing with something similar. My withheld amounts didn't match expectations either and it turned out my employer had been using the wrong state tax rate for 3 months. Worth checking your paystubs against your W-2 if you haven't already.
If your withheld amount looks wrong, make sure you're not confusing federal with state or FICA withholdings. I made that mistake last year and spent weeks trying to resolve an issue that didn't actually exist lol
Yesterday morning I checked my SBTPG account and it shows my federal refund was posted on 4/22/25. It's now 4/23 and nothing has hit my bank account yet. I filed through FreeTaxUSA and chose to have my fees taken out of my refund. On SBTPG's site it shows the payment was posted but not even a pending deposit in my actual bank account. When I check the SBTPG website (taxpayer.sbtpg.com) at 4:55, I can clearly see under "Amount(s) received by sbtpg" that my Federal tax refund (IRS) is listed with a "Date posted" of 2/25/25. There's a section showing "Fee amount(s)" which includes "Total requested", "Total bank fees", and "Total other fees" - but I'm concerned about why it's taking so long to transfer to my bank account. It's been almost two months since the date posted (2/25/25) shown on their system! I understand they need to deduct their fees since I opted to have them taken from my refund through FreeTaxUSA, but this seems like an excessively long wait time. Anyone else experienced this delay between SBTPG posting and actually receiving your money? Is this normal for SBTPG to show a payment as posted but then take this long to actually release the funds to your bank account?
I was having the exact same issue last month. Found out it was because my name on my tax return didn't exactly match my bank account (I used my middle initial on one but not the other). SBTPG rejected the deposit and had to mail me a check instead. Might be worth checking if your name format exactly matches.
Everyone here keeps saying wait a few days but if you need that money NOW, call SBTPG directly and ask them to expedite it. Last year I called and told them I had urgent bills to pay and they processed mine same day. The squeaky wheel gets the grease! Their number is 800-901-6663.
thanks for the number! might try this tomorrow if i still dont see anything
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Let us know if this actually works! I'm in the same boat and getting desperate.
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i swear the IRS is one of the most dysfunctional organizations on earth. we entrust them with billions of dollars and they can't even answer a phone or process returns in a reasonable time. imagine if a private company operated this way
It's because Congress has been slashing their budget for decades. They're still using computers from the 1970s and are massively understaffed. It's by design - certain politicians want them to fail.
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i get that, but taking 2+ years to process a return is beyond budget issues. thats straight incompetence
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Reason #47293 why I'm now making sure I owe a tiny amount each year instead of getting a refund. I'd rather pay them $50 than let them hold my $2000 hostage for a year with no recourse.
This happened to me in April. Got the TurboTax email saying refund was on its way, but nothing happened. After two weeks of checking WMR daily and seeing no updates, I finally uploaded my transcript to taxr.ai and found out there was a 60-day review on my account that no one bothered to tell me about! The tool showed me exactly what was happening and when to expect resolution. Seriously saved my sanity. https://taxr.ai
I was skeptical too, but yeah it actually works. My transcript was full of these random codes I couldn't understand - the tool translated everything and showed me the exact status. Turned out I was missing a form and that's why my refund was delayed.
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just tried it and WOW! it told me exactly why my refund was delayed (something about an income verification) and gave me an estimated date. wish id known about this months ago!
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The IRS has been extra slow this year. I got that same TurboTax email in March, but it took 12 days for the money to actually hit my account. My sister filed around the same time and got hers in 3 days. There's no rhyme or reason to it honestly.
This is the worst IRS filing season I can remember. Return took forever to process, transcripts gave no useful info, couldn't reach anyone by phone... until I found claimyr.com. Got through to an agent who explained my refund was delayed because they were verifying some info from my W-2. She pushed it through while I was on the phone with her and my DDD showed up the very next day. Talking to an agent was the only thing that actually fixed my problem.
Can confirm it works. I was skeptical but desperate after 3 months of waiting. Got through to an agent who fixed my issue on the spot.
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ok good to know, might try it! been calling the IRS for days with no luck.
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Just an FYI to anyone getting state refunds - each state has completely different processing timelines. My federal took 3 weeks but North Carolina state took over 2 months. Some states are quick (California, Illinois seem pretty fast this year) while others are horrible (looking at you, New York and Hawaii with 4+ month waits). Check your state's tax website for their current processing times.
Colorado is taking FOREVER this year too. Still waiting since March š
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Kristin Frank
Pro tip: If you're worried about potential offsets, you can call the Treasury Offset Program's automated system at 800-304-3107 to see if your SSN is in their database BEFORE you file. Might help you avoid surprises, but you still won't know the exact amount they'll take until after it happens.
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Micah Trail
I wish I had known this before filing! My entire $4,200 refund got eaten up by old student loans I didn't even realize were in default. Would have been nice to have a heads up.
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Nia Watson
Had this last year, lost half my refund to a state tax debt from a state I hadn't lived in for 5 years! The most frustrating part was finding out which agency took the money. Ended up using taxr.ai to decode my transcript and figure out what happened, then used claimyr.com to actually get through to the IRS to confirm. FINALLY got answers after weeks of confusion. Honestly, these tools are worth it if you're dealing with offset issues - saved me so much time and stress.
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