I went through something similar. The "financial guy" your friend is working with sounds sketchy. Nobody should need 6-7 months to investigate this! Tell your friend to call the IRS directly at 800-919-9835 and request a Payment Trace. They'll likely need to fill out Form 3911. Another thing - is this "financial guy" charging a fee? Because getting help with a missing stimulus payment should NOT cost anything. The IRS will help directly and for free.

Your friend should definitely bypass that "financial advisor" - 6-7 months is way too long and honestly sounds like they might be trying to charge unnecessary fees. The IRS has specific procedures for this exact situation. Here's what worked for me when my stimulus went to a closed account: First, have your friend get their IRS account transcript online (not just the tax return transcript). This will show exactly when and where the payment was sent. Then call the IRS Payment Trace line at 800-919-9835 and request a formal payment trace using Form 3911. The key is being persistent with the phone calls - try calling first thing in the morning (8am) when hold times are shorter. When they reach an agent, they should specifically mention that the payment was sent to a closed bank account and the funds were never received. The IRS can usually reissue these payments within 4-6 weeks once they confirm the original payment was returned by the bank. Don't let anyone charge you for this service - it's completely free through the IRS directly!

Pro tip: Check if your local Taxpayer Advocate Service office is open. They can sometimes help if you're experiencing financial hardship due to the delay.

Code 570 is definitely frustrating - I'm going through the same thing right now. From what I've learned, it just means your return is under review and they've temporarily frozen any refund processing. The good news is that it doesn't necessarily mean there's a problem with your return, just that they need more time to process it. I've been checking my transcript every Friday and haven't seen any movement yet, but trying to stay patient. Hang in there!

Welcome to the DDD club! 🎉

Congrats on finally getting your DDD! That identity verification wait can be nerve-wracking but sounds like everything worked out. Thanks for sharing your timeline - it really helps those of us still waiting to know what to expect. Enjoy that refund when it hits! 🙌

I see the "just keep calling" advice a lot, and honestly, it reminds me of the time I tried to reach my ex at 2am after a breakup... persistent but not very effective! 😂 Seriously though, I used to be in the "just use the free tools" camp until I had a complicated issue last year. The free tools are great for basic stuff, but they don't really explain what's happening with your specific situation. The IRS transcript looks like it was designed by someone who hates humans - all codes and dates with zero explanation. Sometimes paying a few bucks to save hours of frustration is worth it. But hey, if you've got unlimited time to sit on hold or decipher IRS hieroglyphics, more power to you!

Thanks for asking this question! I'm dealing with something similar and it's good to see I'm not alone. Based on what everyone's saying, it sounds like we're both stuck waiting for the refund to go to our old accounts (if they're still open) or getting paper checks if not. One thing I'm wondering - has anyone here actually tried to contact their bank to see if they can help redirect the deposit once it hits? I know some banks have policies about forwarding funds to new accounts for a certain period after closure. Might be worth a shot before we resign ourselves to the paper check wait time. Also @CosmicCruiser, I saw you mentioned switching banks for medical bills - have you considered just transferring the money once it hits your old account? That might be faster than waiting for a paper check if your old account is still active.

Has anyone used FreeTaxUSA? I switched from TurboTax a couple years ago because of the ridiculous price increases. It only costs like $15 for state filing (federal is free) even with somewhat complex returns. I've been pretty happy with it for my moderately complex situation with some investment income and a small business.

I've been in a similar situation with H&R Block - the inconsistent quality and slow error corrections are really frustrating. Based on everyone's advice here, I'm leaning toward trying the TurboTax + AI review combination for this year. One thing I'm curious about though - for those who've made the switch from H&R Block to self-filing, how do you handle the confidence factor? I always worry I'm going to miss something important or make a mistake that triggers an audit. The errors from H&R Block were annoying, but at least I felt like someone else was responsible if something went wrong. Also, has anyone dealt with estimated quarterly payments through these online platforms? That's been another headache with H&R Block - they never seem to calculate them correctly for my situation.