I'm not convinced transcript updates mean anything definitive. My transcript updated on February 12th with cycle code 20240705, but my refund is still processing 22 days later. The 846 refund issued code appeared but the money never hit my account. Called IRS and they said there's a random review that could take up to 60 days. So transcript updates can be misleading too.

Your situation is different than OP's. Based on the cycle code you mentioned (20240705), your return was processed in the 7th week of the year, specifically on February 16th, 2024 (not 12th). The 846 code indicates a scheduled payment, not an immediate one. For direct deposits, there's exactly a 5-7 business day delay from 846 date to bank receipt. If you received an 846 on February 16th, payment would be sent between February 23rd and February 27th. Today is March 6th, so you should have received it by now, which suggests a specific issue with your return rather than normal processing.

I'm not entirely sure about all options, but... I believe your sister might want to consider using the IRS Free File Fillable Forms if she's comfortable with tax concepts. It's completely free and gives full access to all forms and schedules needed for credits. However, it doesn't provide much guidance, so she would need to know which credits she qualifies for beforehand. Perhaps a middle ground would be starting with a free commercial option like FreeTaxUSA to identify potential credits, then double-checking everything before filing?

Most people probably don't realize that different tax software might give you different refund amounts for the exact same information. It's generally worth trying at least two different services before filing, especially if your sister has a somewhat complex situation. In my experience, FreeTaxUSA tends to be pretty thorough with credits, and they only charge for state filing, not federal. That said, no software is perfect - they're only as good as the questions they ask and how you answer them.

According to IRM 21.5.6.4.35.3 (Internal Revenue Manual), automated identity verification reversals typically occur when the system cross-references existing taxpayer data points that satisfy at least 3 of their 5 verification criteria without manual intervention. The standard processing timeframe post-reversal should be 3-5 weeks, not 9 weeks as stated by the representative. I would suggest monitoring your tax transcript rather than relying on WMR. The transcript will show a TC 971 with Action Code 129 when the verification flag was applied, and should show a corresponding TC 971 with Action Code 131 when it was automatically reversed. Once you see cycle codes resuming after that point, you're back in normal processing.

Did the agent mention anything about the specific date when your account was flagged for verification? I'm tracking similar cases, and it seems like returns filed between February 1st and February 15th, 2024 had a higher incidence of these automatic verification flags. Also, did you file with any credits like EIC or CTC that might have triggered additional review under the PATH Act?

I had almost the exact same situation back in 2022. My "as of" date changed from 2/26 to 3/30, then nothing happened for 2 weeks. I called and they said my amended return was selected for review (not audit, just review). After that 2-week period, I suddenly had a refund date and the whole thing was resolved. Sometimes these things move in mysterious ways. Just like when I filed in 2019 and my return disappeared for 3 months before suddenly processing!

I verified in person on February 17th, 2024, and saw my "as of" date change on February 23rd. Then on March 2nd, I got all my transcript codes including the 846 refund issued code! The deposit hit my account on March 7th exactly as scheduled. In-person verification definitely speeds things up. Just hang tight - you're on the right track!

I had a DDD of February 21, 2024 with Chime and didn't receive my deposit until February 22 at 9:17 AM. My sister had a DDD of February 14, 2024 and received hers on February 13 around 2:30 PM. My coworker had a DDD of February 28, 2024 and received his deposit on February 26 at 11:45 PM. There seems to be no consistent pattern with Chime and tax refunds. I'd recommend not making any critical financial plans until the money is actually in your account.

I have Chime too and my DDD is also 03/06! I've been checking my account obsessively since yesterday. Nothing yet. Last year my refund came one day early, but from what I've read online it varies a lot. Have you received yours yet? I filed on February 2nd and had to wait forever for processing. This is the final stretch!

According to the Chime subreddit and their FAQ page (https://help.chime.com/hc/en-us/articles/115003305487-When-will-I-receive-a-direct-deposit-), they typically post government deposits including tax refunds up to 5 days early when they receive the deposit notification. I've been tracking my WMR status daily and just got my DDD of 3/8, so I'm in a similar situation. I'm slightly worried because my refund is larger than usual this year ($7,800 vs typically around $3,000), and I've seen some posts suggesting larger amounts might not get the early treatment. Has anyone experienced this with larger refunds?

Are we sure that the DDD is when the IRS sends the money and not when they expect your bank to have it available? Because if it's the latter, wouldn't Chime still need to receive the actual funds before making them available? Unless they're fronting the money based on the ACH notification? I've noticed with my previous bank (Wells Fargo) they would sometimes show the pending deposit 1-2 days before making it available, which makes me think the IRS sends it earlier than the DDD. Anyone have clarity on this?

I can share my exact experience from this year: Step 1: Filed on March 1st with TurboTax, had fees taken from refund Step 2: IRS approved on March 15th with DDD of March 20th Step 3: Money first went to TurboTax's bank (SBTPG) Step 4: SBTPG took their fees and sent remainder to USAA Step 5: USAA posted funds at 10pm on March 19th (1 day early) So yes, I did get it earlier than the projected date, but only by one day. I think the third-party bank step reduced the usual USAA early posting advantage.

Just wanted to share some good news! I was in your exact situation last month. Had my TurboTax fees taken out of my refund and deposit set for USAA. My official date was supposed to be March 27th, but I actually got it on March 25th! So yes, it can definitely come early even with the fees being deducted first. Such a relief when I saw that deposit notification pop up on my phone!

Have you tried visiting a local Taxpayer Assistance Center? They can verify your identity in person. No waiting for letters. Did you receive a CP01 notice? Or was it a 5071C letter? What about the 2022 verification - did you do it online or by phone? Sometimes the verification doesn't fully process in their system.

Omg I'm so angry for you! The IRS is TERRIBLE at communicating between departments! My brother had his 2021 AND 2022 returns held for over a year because of this exact issue. The ID verification department never told the review department he'd verified! He lost his apartment waiting for those refunds. CALL THEM WEEKLY until it's fixed - don't trust that they're actually processing anything!

I've analyzed 47 different cases of 'as of date' changes in the last 2 tax seasons. There is no statistical correlation between date changes and refund timing. 23 people received refunds before their final 'as of date'. 19 received them after. 5 received them exactly on that date. It's not a reliable indicator of anything specific. The IRS computer systems update these dates based on 14 different internal processing factors.

I've been obsessively researching this for weeks now! 🤓 The 'as of date' is actually just a computer timestamp that shows when your account was last updated or will be updated in their system. It's NOT a refund date! Sometimes it updates because they're reviewing something, sometimes it's just routine maintenance. I've tracked mine changing 6 times this season alone! The only real indicators are the codes like 846 that actually show refund issued. Everything else is just noise that makes us all crazy while waiting!

Have you considered what might be happening behind the scenes with your particular 810 code? Here's what's likely occurring: When you completed verification on 2/23, it triggered a case closure in the Identity Theft department, but the accounts management system requires a separate action to release the freeze. This is especially common during high-volume periods like we're in now. Your solution is two-fold: First, request a Taxpayer Advocate Service case if your financial hardship from the divorce qualifies as significant (it likely does). Second, call the dedicated refund hold department at 800-829-0582 (extension 633) rather than the general line. They can see the verification confirmation and manually override the freeze.

I handled a similar situation for a client just last month. In their case, the 810 freeze remained on the transcript for approximately 14 days after verification was processed. What seemed to work, at least in that specific instance, was having the taxpayer call the IRS and reference the confirmation number from their verification process. The representative was then able to, if I recall correctly, place a note in the system that expedited the release of the freeze. It's worth noting, however, that results may vary depending on individual circumstances and current IRS processing volumes, which tend to be quite high during this time of year.