The IRS refund status tool is a joke. It could say "refund sent" for weeks before anything actually happens. Your best bet is to call them directly, but good luck getting through their phone lines. The whole system is designed to be frustrating.

This is so frustrating! I went through something similar last year and it turned out my bank had an internal hold on the deposit that they didn't tell me about initially. Here's what I'd suggest: 1. Go to your bank IN PERSON if possible - sometimes the tellers can see things that phone reps can't or won't tell you about. Ask specifically about rejected ACH deposits from the US Treasury. 2. Double-check your routing and account numbers on your tax return. Even one wrong digit will cause the deposit to bounce back. 3. If you used a tax prep service that deducted fees from your refund, the money might be going through their bank first, which can add several days. The "refund sent" status on the IRS website can be misleading - it just means they initiated the electronic transfer, not that your bank actually received and processed it. Don't just wait it out - be proactive and keep pushing both your bank and the IRS for answers. You have every right to know where your money is!

Has anyone had experience with this exact situation? I'm curious how long it took for the IRS to actually notice and send a bill. Also, does the IRS charge interest from the date they sent the original refund or from when they process the amended return?

I went through almost the exact same situation last year! My spouse forgot to mention a 401k withdrawal too (seems to be a common theme). Here's what actually happened in my case: The IRS processed my amended return after about 4 months and sent me a CP12 notice showing I owed back $2,100 of the original $4,200 refund I received. They included interest from the date of the original refund deposit, but it was only about $45 since the interest rate was pretty low. The notice was actually very clear - it showed my original refund amount, my corrected refund amount, and exactly how much I needed to pay back. I was able to pay online through the IRS website using their direct pay system, which was surprisingly easy. The good news is that filing the amended return proactively actually worked in our favor. When I called to confirm the payment (using one of those callback services mentioned above), the IRS agent told me that voluntary corrections like this rarely trigger audits. They're more focused on people who don't report income at all, not those who catch their own mistakes. You're smart to keep that money in a separate account. Based on your numbers, you'll probably owe back around that $1,200 plus some interest, but definitely not the whole refund. The anxiety is totally understandable, but you did everything right by filing the amendment quickly!

Always get a copy of ur return b4 paying! lesson learned the hard way 😫

This is exactly why I always use TurboTax or FreeTaxUSA now - way more transparent about what's being filed where. For future reference, you can also call the IRS at 1-800-829-1040 to get your federal transcript over the phone, and most state tax agencies have similar hotlines. Document everything with this preparer including dates, amounts paid, and what services were supposed to be provided. You might be able to get some money back if they didn't deliver what was promised!

Has anyone figured out how to handle the foreign tax paid section on the Stash 1099-B? Mine shows I paid like $4.32 in foreign taxes on some international ETF and idk where to put that in TurboTax?

I went through this exact same nightmare with my Stash 1099-B last year! Here's what finally worked for me: In TurboTax, go to Federal → Wages & Income → Investment Income → Stocks, Mutual Funds, Bonds, Other. Then select "Start" next to "Sales of stocks, mutual funds, etc." The key thing that saved me was realizing that Stash often breaks down your transactions differently than other brokers. Look for the "Summary" section on your 1099-B first - this will show your total short-term and long-term gains/losses. You can often enter these as summary amounts rather than going transaction by transaction. For the cost basis question that's confusing you - if your form shows "Various" in the date acquired column or has a "V" code, select "No, it was not reported to the IRS" and you'll need to enter your purchase info manually. If it has specific dates and amounts, select "Yes, it was reported." Don't stress too much about perfection - as long as you report all the income shown on the 1099-B, you're in compliance. The IRS already has a copy of your form anyway.

When did you file? I filed 2/12 with TurboTax and my transcripts just updated today with DDD of 3/17 too. Seems like a bunch of us are in the same batch of refunds.

I have an Emerald Card and got the same DDD of 3/17! Filed on 2/8 and was accepted same day. This is my second year with the card and last year they deposited exactly on the DDD date - it showed up around 2 AM that morning. I wouldn't count on it being early, but at least H&R Block is reliable about getting it to you on the actual date. The waiting is torture though, especially with a bigger refund like yours! I keep refreshing the app even though I know it won't change until the 17th 😅