I went through this EXACT situation last month. According to IRS Publication 2043, once a Direct Deposit Date is established, the IRS initiates the transfer but is not responsible for banking processing times. My Credit Karma deposit took exactly 30 hours after my DDD to appear, despite them advertising "early deposits." What finally worked was checking my account at precisely 3:14am when their overnight processing completed - suddenly there it was! The most frustrating part was that their customer service couldn't see it as pending either when I called them. For what it's worth, my brother-in-law had the same experience with his refund through Credit Karma two weeks ago.

I'm dealing with the exact same situation! My DDD was today (April 17th) and still nothing in my Credit Karma account. Reading through these comments is actually really reassuring - sounds like this is pretty common with Credit Karma this tax season. I didn't realize their processing could take an extra day or two even after the IRS sends the money. Going to try checking my account early tomorrow morning like Tyrone suggested. It's frustrating that they advertise early deposits but then take longer than traditional banks for IRS refunds. Has anyone here actually contacted Credit Karma support about this specific issue, or is it just a matter of waiting it out?

Think of the IRS like a giant cruise ship - it takes a long time to change direction. They've taken your money (turned the wheel) but the ship is still moving along its previous course for a while (showing the old balance). If you need immediate proof for your refinance, don't wait for the website. Call the IRS Practitioner Priority Line at 866-860-4259 and request a 'Record of Account' transcript to be mailed to you. It's like getting the captain's log instead of waiting for the passengers to notice the ship has turned.

Just wanted to add my recent experience to help with your timeline expectations! My refund was offset on February 14th this year, and here's exactly what happened: - Feb 14: Refund disappeared from "Where's My Refund" tool - Feb 21: Account transcript showed the offset (Transaction Code 826) - Feb 28: Received the official offset notice in the mail - March 5: Online account balance FINALLY updated to show $0 owed So about 3 weeks total for the website to catch up. The frustrating part is that first week where your money is gone but nothing shows it was applied! For your refinance situation, definitely get that account transcript ASAP. Most lenders will accept it as proof even before the main website updates. The transcript updates way faster than the balance on the main IRS site. Good luck with your refinance - at least you'll have that tax issue behind you! 🏠✨

I'm in a similar boat but we're getting married in November. Our accountant told us to keep SUPER detailed records of who paid what for the house this year since we'll be filing separately but then jointly next year. Apparently this makes things easier during an audit. He had us create a spreadsheet tracking each mortgage payment, who paid what percentage, all house expenses, etc. Might be overkill but thought I'd share!

Just wanted to add my experience since I went through something very similar! We got married in May 2024 and bought our house in January 2024. The December 31st rule is definitely strict - we had to file separately for 2023 taxes even though we were engaged and living together. One thing that really helped us was creating a simple agreement document outlining how we'd split all house-related expenses and deductions. We did 50/50 on everything since we both contributed equally, but your 60/40 split sounds totally reasonable. Just make sure you're consistent - if you split the down payment 60/40, try to keep that same ratio for ongoing mortgage payments and property taxes throughout the year. Also, don't forget about PMI (private mortgage insurance) if you're paying it - that's also deductible and should be split the same way as your other mortgage costs. We almost missed that one! The good news is once you're married next year, filing jointly will likely save you money overall, especially with the house deductions.

Just went thru this! Used taxr.ai and it explained everything - apparently 570/971 combo usually means they adjusted something on ur return. The AI told me exactly what changed and when I'd likely get paid. Saved me so much stress

I'm dealing with the same codes right now! Got my 570 about 2 weeks ago and just saw the 971 appear yesterday. Still waiting for that notice in the mail but honestly the waiting is killing me. Has anyone here had their refund released without having to send in additional documents? Really hoping it's just a simple verification thing and not something more complicated.

For the phantom IRA distribution - check if someone stole your identity! My dad had something similar happen and it turned out someone had opened an account in his name. When they withdrew funds, the 1099-R got reported to my dad's SSN. Took almost a year to sort out with the IRS and credit bureaus.

Just to add another perspective - don't beat yourself up too much about these errors. Tax law is incredibly complex, especially with rental properties, and even professionals make mistakes. The fact that you caught these errors shows you're being diligent. For the years beyond the 3-year amendment window, document everything you found but don't stress about it unless the IRS comes knocking. Keep good records going forward and consider having a tax professional review your returns annually to catch issues early. That phantom IRA distribution is definitely the priority item here. Even if it's outside the amendment period, you should still contact the IRS about it. Sometimes they can make administrative corrections for clear errors, especially if it involves identity theft or third-party reporting mistakes. The worst case is they say no, but at least you'll have it on record that you tried to resolve it. Good luck sorting this out! These situations are stressful but usually more manageable than they seem at first.