I experienced this exact issue and followed these steps to resolve it: 1. First, I verified my e-file was actually accepted (not just submitted) through my tax software 2. I waited 3 weeks from acceptance date with no transcript update 3. I called the IRS (took 5 attempts to get through) 4. The agent confirmed my return was in their system despite no transcript 5. My transcript finally updated 5 weeks after filing 6. Refund was deposited 8 days after transcript update The lack of transcript updates seems to be affecting a lot of people this year, which is concerning given how many rely on these refunds for essential expenses.

FWIW I was in the same boat. E-filed on Feb 2. Got accepted same day. Transcript showed N/A until Mar 12. Was freaking out tbh. Called IRS twice (nightmare). Finally got thru. They confirmed my return was in the system. Just backlogged. Transcript updated suddenly one day. DD hit my acct 6 days later. Hang in there. System's overwhelmed rn.

This is potentially more concerning than just a filing error. According to IRS Publication 974 and the Affordable Care Act provisions, when the system flags your return with code F8962-070, it means the IRS has received information from the Marketplace that you received premium tax credits. This could indicate either a data error or potentially identity theft. Per Internal Revenue Code §36B and supporting regulations, you should: 1. Contact the Marketplace immediately (1-800-318-2596) 2. Request a full accounting of any 1095-A forms issued with your tax identification number 3. If unauthorized use of your identity is confirmed, consider filing Form 14039 (Identity Theft Affidavit) with the IRS 4. Document all communications thoroughly The implications extend beyond just this year's filing - uncorrected errors could affect future years and potentially trigger compliance reviews.

Just to clarify what others have said - as someone who's been through the international tax filing process many times, this error is usually fixable without too much trouble. The F8962-070 code specifically means the IRS system thinks you received advance premium tax credits but didn't include Form 8962 to reconcile them. In my experience with clients on work visas, sometimes there's confusion in the system about your insurance status because employer-provided international health coverage doesn't always report properly to US systems. The quickest resolution is usually calling the Marketplace directly rather than the IRS, as they can verify whether any 1095-A forms were generated for you and correct any errors.

Be careful with Republic Bank! I had exactly 3 friends who used them this year, and 2 of them had their deposits delayed by exactly 5 business days with no explanation. Republic claimed they were "verifying the funds" but couldn't explain why it was taking so long. One friend ended up having to file a complaint with the CFPB to get movement. If you don't see your money within 3 days after they take their fees, start making noise immediately!

According to the TaxAct website's FAQs (https://www.taxact.com/support/), if you selected to have your preparation fees deducted from your refund, Republic Bank creates a temporary account to receive your refund, deducts their fees, then forwards the remainder to your designated account. The timing can vary, but most users report 1-3 business days after fee deduction. You can check your refund status through Republic Bank's portal if you saved your login information from when you filed.

According to the IRS website (https://www.irs.gov/taxtopics/tc504), you technically don't need Form 1098 to claim mortgage interest deduction. The form is an information return that lenders are required to send both to you and the IRS. If you don't have it, you can still claim the deduction if you can prove the interest paid. Most mortgage statements show YTD interest paid, especially December statements. Print those out and bring them to your tax preparer. If they still refuse, you might want to try a different preparer or use tax software that doesn't arbitrarily require the actual form.

I remember when I was stationed at Camp Pendleton and had a similar issue with missing tax documents. I figured I'd just file without claiming the mortgage interest deduction and then amend later when I got the form. BIG mistake. The amendment process took almost 8 months, and I ended up missing out on using that refund money when I needed it. If I were you, I'd do everything possible to get that 1098 now, even if it means pushing your preparer to file an extension. The military extension gives you until October, but that doesn't help if you're counting on that refund money sooner.

If you're a weekly cycle code like 0605, your account typically updates on Thursday nights/Friday mornings. I'd recommend checking your transcript tomorrow morning. The IRS Master File processing occurs in batches, with weekly cycles (05 ending cycles) processing on Thursdays. If there's no update by next week, you might want to request a tax account transcript rather than just a return transcript, as it sometimes shows different processing stages.

Think of the IRS processing system like a massive traffic jam where some lanes move faster than others. Your cycle code is like your lane assignment. Sometimes being in the 0605 lane is great, other times it's the slowest one on the highway. From what I've seen across multiple tax seasons, there's no real advantage to any particular cycle code - it's more about what's in your return. Credits like CTC or EIC are like driving a wide load that requires special handling and slows everything down.