I've been tracking Chase direct deposits for tax refunds for several years now. A few things to consider about your situation: Have you checked if your refund includes any refundable credits like EITC or CTC? Those sometimes follow a different deposit timeline. What does your transcript show for transaction codes? Is there anything besides the 846 code that might indicate a partial offset or review? Did you file electronically or by paper? Electronic filers typically see deposits processed more predictably than paper filers.

I'm in the exact same situation! Filed 2/12, accepted same day, transcript shows 846 code with DDD 3/20, and Chase shows nothing pending. I called them twice today and both reps confirmed no ACH transfers in queue. What's frustrating is that my neighbor got her refund yesterday with a 3/19 DDD through Wells Fargo. I'm trying not to panic but it's hard when you're counting on that money for bills. Has anyone with Chase actually received their deposit early this year, or are they all coming exactly on the DDD? I've read mixed reports online about whether the Treasury changed their batch processing timing this season.

I guess my experience might be useful too. I filed for bankruptcy last year after my medical bills and tax debt got completely out of control. The court assigned me a bankruptcy attorney who told me I'd been misled by the tax relief company I'd hired. Turns out my tax debt would have been dischargeable in bankruptcy (it was over 3 years old and I had filed the returns on time), but the tax company never mentioned this as an option. Instead they took $3,500 from me when I was already financially devastated. Not saying bankruptcy is the right option for everyone, but if your debt is overwhelming, it might be worth talking to a bankruptcy attorney to understand all your options before paying thousands to these tax relief places.

This is exactly why I always tell people to be extremely cautious with these national tax relief companies. Your experience with SuperiorTaxRelief sounds unfortunately typical - they hook you with promises of major debt reduction, then months later you find out you're just getting a standard payment plan you could have set up yourself. The fact that their email mentions "installment agreement" and "penalty abatement" instead of an Offer in Compromise pretty much confirms they're not pursuing significant debt reduction for you. Most people can request penalty abatement themselves using Form 843, and installment agreements are available directly through the IRS website. Before you write your final review, I'd document everything they promised versus what they're actually delivering. If there's a significant gap, you might have grounds for a complaint with your state's consumer protection agency or even a chargeback if you paid by credit card. The silver lining is that your detailed review will help others avoid the same trap. These companies prey on people who are already stressed about tax problems, so honest reviews from real customers are invaluable.

Has anyone dealt with cross-border gaming income? I'm technically a US citizen but I live in Canada most of the year, and I have income from viewers/subscribers in multiple countries. The platforms pay me in USD but I'm not sure how to handle this for tax purposes.

This is really helpful info everyone! I'm in a similar boat - made about $8,000 from streaming and selling CS:GO skins last year but never reported it. Reading through these comments, it sounds like I need to: 1. File amended returns for last year 2. Start tracking everything going forward 3. Keep receipts for any gaming purchases I use during streams Quick question though - what about crypto payments? Some of my viewers tip me in Bitcoin or other cryptocurrencies. Do I need to report those at the value when I received them, or when I convert to USD? And if I never convert them and just hold the crypto, is that still taxable income? Also seeing mixed info about whether casual tournament winnings need to be reported. I won like $500 in a local tournament but it wasn't a regular thing for me. Is there a threshold for this kind of stuff? Thanks for all the detailed responses - this community is way more helpful than trying to figure this out alone!

Has anyone else heard about the next change to $5,000 for 2024? My accountant just mentioned this and I'm already worried about the extra paperwork. I used to just do a simple Schedule E but now I'm wondering if I need to track every little expense more carefully.

This is such a helpful thread! I've been dealing with similar confusion about my Airbnb income. For what it's worth, I think the inconsistency you experienced between 2021 and 2022 is pretty common - many hosts are reporting similar situations where they got 1099-Ks one year but not the next, even with similar income levels. One thing I learned from my tax preparer is that some platforms were being overly cautious in 2021, issuing 1099-Ks at lower thresholds because they were anticipating the rule changes. Then when the $600 threshold got delayed, they reverted back to the strict $20k AND 200 transactions rule for 2022. The key takeaway that everyone here has emphasized is spot on - always report all your rental income regardless of whether you get a 1099-K. I use a simple spreadsheet to track all my bookings and payments throughout the year, which makes tax time much easier whether I get the form or not.

My tax preparer told me to just put a memo on every single Venmo/Cash App payment clearly stating what it's for ("My half of May rent" or "Reimbursing you for groceries"). She said if we ever get audited, those descriptions would help prove these weren't business transactions. Also, we started using the "friends and family" option whenever possible on PayPal since those supposedly have different reporting requirements than goods and services payments.

The confusion around 1099-K reporting is totally understandable! The key thing to remember is that receiving a 1099-K doesn't automatically mean you owe taxes on that money - it's just a report of transactions. The IRS still needs to determine what's actually taxable income versus personal transfers. For your situation with your partner, those rent and bill splitting transfers aren't considered income even if they exceed the reporting threshold. You're just reimbursing each other for shared expenses, not earning money. However, I'd definitely recommend keeping good records - use descriptive memos in your payment apps like "half of January rent" or "utilities split" so you have documentation if needed. One thing to consider: if one of you consistently receives the money and pays the bills (like you collecting rent from your partner and paying the landlord), that person might be more likely to receive a 1099-K. But again, as long as you can show these were reimbursements for shared expenses, there shouldn't be any tax liability. The rules have been changing and getting delayed, so staying informed about current requirements is important. But for typical roommate/partner expense sharing, you shouldn't stress too much about owing taxes on money that's just moving around to cover your regular living costs.