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This appears to be what's known as a CSED synchronization issue (Collection Statute Expiration Date). The WMR tool and the transcript database operate on different update cycles. The IDRS (Integrated Data Retrieval System) that powers your transcript is the primary system of record, while WMR is a secondary customer-facing tool. Did you file with any specific credits like CTC or EITC that might have triggered additional processing?
According to IRM 21.4.1.3 (Internal Revenue Manual), transcript data takes precedence over WMR indicators. I suggest checking your account transcript rather than just the return transcript. The account transcript will show transaction codes that indicate exactly where you are in the process. You might also consider creating an online account at ID.me if you haven't already, as it provides more detailed access to your tax information than the basic transcript request tool.
In accordance with IRS Publication 2043 and the Automated Clearing House (ACH) guidelines, financial intermediaries like TPG must process federal disbursements within 3 business days of receipt. For a 03/15 DDD, TPG would typically receive funds by end-of-day on the 15th, and must complete processing by the 20th (accounting for the weekend). However, most TPG transactions are completed within 24-48 hours of receipt. Your funds are protected under Regulation E throughout this process, and any delays beyond 3 business days would require specific notification from TPG.
Does Regulation E also cover the fees they can charge? I noticed TPG took out more than I expected.
Have you checked your bank's pending transactions? Sometimes the money is in transit but not yet posted. Or perhaps your bank has a policy of holding ACH transfers? What about your tax preparer - did they confirm everything was set up correctly with TPG? And is this your first time using TPG as a processor? Different banks handle these deposits differently, so knowing your specific situation would help troubleshoot.
Thank you for these suggestions. I just called my bank and they confirmed they don't see anything pending yet.
Have you tried contacting the Taxpayer Advocate Service yet? They can often intervene when there are these kinds of communication breakdowns within the IRS. What exactly did the first agent tell you about the verification process? And did either agent provide you with a reference number for your case?
I feel your pain! Last year I was stuck in identity verification purgatory for THREE MONTHS. š© They kept telling me they sent a letter that never arrived. What finally worked was calling at exactly 7:00am Eastern (when they first open) and specifically asking for the identity verification department. The morning staff seemed to have more authority to help, oddly enough. Had to provide my driver's license number, last year's AGI, and answer some questions about my credit history. Refund showed up two weeks later like magic! Hang in there - it's frustrating but solvable!
Everyone's talking about checking transcripts, but I actually found that calling the automated refund hotline at 800-829-1954 gave me updates before WMR or transcripts showed anything. It might be somewhat less reliable than transcript codes, but it's definitely worth trying if you're not seeing updates elsewhere. Just make sure you have your filing status, SSN, and refund amount ready.
I filed on January 17th at 2:13 PM EST with EITC and CTC. My transcript updated on January 28th showing TC 150 (return filed), TC 806 (withheld credits), TC 570 (temporary hold), and TC 971 (notice issued). The 570 code was released on February 1st and replaced with TC 571. My cycle code is 20240504, which indicates a weekly update pattern. DDD (846 code) appeared February 2nd with deposit date of February 7th. The entire process took exactly 21 days from submission to DDD.
Ella Knight
I was in the EXACT same situation on February 18th. Filed on 2/2, verified on 2/11, and my WMR changed just like yours. My transcripts finally updated on March 2nd and I got my refund on March 5th. The system IS working, it's just painfully slow this year. And yes, people who filed after me got their refunds first too, which was super frustrating. Just hang in there - based on my timeline, you should see movement very soon.
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William Schwarz
I've been tracking my tax return processing for the last three years, and I've noticed some patterns that might help explain what's happening: 1. First, check if you claimed any credits (EIC, CTC, etc.) as these automatically add 2-3 weeks 2. Next, look at your filing method - did you use a tax preparer or DIY software? 3. Then consider if you had any unusual deductions or income sources 4. Finally, did you opt for direct deposit or paper check? In my experience, the simplest returns with no credits, standard deduction, W-2 income only, and direct deposit get processed first regardless of filing date. It's not fair, but it seems to be how their system prioritizes workload.
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