I got so frustrated with this exact problem! Tried to call my state revenue office like 6 times and kept getting disconnected. Finally got through with Claimyr.com - they navigated the phone system and got me a callback with an actual agent. Turns out there was a simple mistake on my return they needed to verify. Refund was processed once I talked to someone. Saved me from losing my mind on hold music!

After going through this exact nightmare last year (federal quick, state took FOREVER), I found taxr.ai and it's been a lifesaver. It clearly explained what was happening with my refund status when the state website was giving me cryptic messages. This year I've been using it to track both federal and state - shows exactly where things are in the process and what to expect next. https://taxr.ai

I swear the IRS does this on purpose...they create the most confusing system possible so regular people can't understand what's happening with their own money. Those codes might as well be written in ancient Egyptian hieroglyphics 💀

PROTIP: While you wait, set up an online account on IRS.gov if you haven't already. That way you can monitor your transcript for any updates without having to call. New codes will appear there before you get any letters in the mail.

OK SO. When you say "couldn't be received" - did you check the actual code on your transcript? Because different codes mean different things. Code 971 means they're reviewing something. Code 846 with a future date is your actual refund issue date. You can analyze all this with taxr.ai instead of playing detective (what I had to do last year). Just upload your transcript and it explains everything.

i filed in january and STILL havent gotten my refund AT ALL. consider yourself lucky youre at least getting a check 😭😭😭

If your account is frozen because of suspected fraud activity (which happens a lot with large unusual deposits), you'll need to go through their account validation process. When I worked at a bank, we always recommended going into a branch with a valid ID rather than trying to handle it over the phone. Phone reps have limited authorization to help with these situations.

I've learned to never use my main bank account for tax refunds after getting burned like this. Next year use a different bank or even get a prepaid card direct deposit. The IRS doesn't care WHERE they send it as long as the routing and account numbers are valid. If this year's refund is stuck, definitely go in person to a branch. The IRS will NOT care about your bank drama - they'll just say "we sent it, not our problem" 🤷‍♀️

I literally sat on hold with the IRS for 3 hours yesterday only to get disconnected. Its criminal how they treat us. Trying to find out about my amended return from LAST YEAR that still isnt processed. Anyone know how to actually reach a human?

I work at a bank (not Chase). Here's what's happening: SBTPG initiated the ACH transfer today, but most ACH transfers don't settle same-day unless they're specifically marked as same-day ACH (which costs more). Regular ACH transfers typically take 1-2 business days to complete. So if they initiated it today, it'll probably hit your account tomorrow morning when your bank processes their overnight batch.

After 3 months waiting on my refund I kept getting different explanations on here about what was happening. Got so frustrated i finally used Claimyr (claimyr.com) to actually reach an IRS agent directly. Found out EVERYONE online was wrong about my situation - had nothing to do with verification and was actually a simple math error they fixed on their end. Talking to an actual agent was the only way I finally understood what was happening and got my money.

Anybody else notice how the worst advice always starts with "my friend's tax guy said..." 😂

The TOP (Treasury Offset Program) has been a MESS this year. So many incorrect offsets happening. If you can't get through on the phone, try sending a fax (yes, they still use fax machines 🙄) to the Dept of Education at 903-454-5317 with your info and a statement explaining you never had student loans. Sometimes that gets faster results than calling.

Pro tip: Request a "Request for Review" form from the Department of Education. This formally disputes the debt and forces them to prove you actually owe it (which you don't). Also, file IRS Form 14039 (Identity Theft Affidavit) ASAP if you think this might be ID theft.

ATTENTION: If you filed with a tax preparer who takes their fees out of your refund, your money goes through a third party bank first (like SBTPG or Republic Bank) BEFORE reaching your account. This adds 1-2 more days to the process. Check if this applies to you!

My DDD was 3/15 with BoA and it hit my account at 3:30am today (3/16). Just woke up to it. Check your pending transactions, sometimes it shows there first before posting.

just an FYI - IRS website says "your financial institution may not make funds available to you right away. contact your financial insitution to find out when u will have access to ur refund." so tldr: probably tomorrow but call chase if ur really need to know

It depends on your bank and sometimes the time of day the IRS sends it. Chase usually posts overnight, so probably tomorrow morning. But I've seen some people get it same day if the IRS sends it early enough. Either way, you're in the home stretch! If you check your Chase app regularly you might see it pending before it posts.

lmaooo welcome to the club. the IRS and TurboTax stay playin us. My refund took 5 business days after the transcript date to hit my account. just keep waiting… and waiting… and waiting…

i used taxr.ai last month when i was going thru the exact same situation. turns out i had an offset i didnt know about (old state tax debt) that was taking part of my refund. the tool showed me exactly what was happening when the IRS wouldnt tell me anything. saved me weeks of confusion https://taxr.ai