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Credit Karma deposit timing varies. No guarantees. Their system processes overnight batches. Most users report evening deposits. Day before DDD is common. Not universal. Some see morning-of deposits. Depends on ACH processing. Bank holidays can delay. Weekend DDDs typically process on Friday. Check both WMR and account. Don't panic if not early.
Just want to clarify something - Credit Karma is now officially Cash App for banking. They migrated all accounts last year. So you're actually looking for when Cash App processes IRS deposits. I had a 2/28 DDD and got mine at 10:15pm on 2/27. The deposit notification came from Cash App, not Credit Karma.
This exact thing happened to me. Call the Treasury Offset Program directly at 800-304-3107. Don't waste time with the IRS line. The TOP line will tell you exactly who claimed your refund and why. In my case, it was an old state tax debt I didn't know about. You need to talk to them first before you can fix anything. The IRS just does the withholding - they often don't know the specific reason.
I called the TOP number on March 12th and they told me my offset was for a student loan from 2018, but I had documentation showing I paid it off on December 5th, 2023. Has anyone successfully reversed an incorrect offset? How long did the process take?
I solved this exact problem last month. Here's what I did: 1. First, I requested my 2022 account transcript (not return transcript) 2. I found a TC 420 code on my transcript showing an adjustment 3. Then I found a TC 290 showing additional tax assessed 4. I called the IRS and asked specifically about these codes 5. Turns out they had adjusted my return due to a missing 1099 form 6. I never received the adjustment notice they claimed to have sent 7. I filed Form 843 to request abatement of the penalty portion I was surprised how easy it was once I knew what to look for. The IRS actually approved my penalty abatement request in just 3 weeks!
States adjust tax brackets annually. Most tie to inflation. Some don't. Check your state's inflation adjustment factor. Usually around 3-4% this year. Makes a big difference. Also look at withholding tables. Many states updated them. Your employer might be using new calculations. Simple explanation. Nothing to worry about.
I'm so happy for you getting a refund after so long! š I help people with their taxes at our community center, and we've seen this exact situation happen to many folks this year. Several states increased their standard deductions and adjusted their tax brackets to account for inflation. Some states also introduced new credits for working families or property tax relief programs that automatically apply if you meet certain criteria. It's definitely worth looking into the specific changes in your state!
Hey everyone, I'm kind of stressing out here. I checked the Treasury Offset Program website (https://fiscal.treasury.gov/top/) and found out I have an offset for some old student loans. According to the Where's My Refund tool, my return is being processed, but I'm not sure what happens next? Does anyone know if I'll still get whatever's left after the offset? I've been searching through IRS FAQs but can't find a clear answer for my situation. This is my first time filing in the US so I'm really confused about the whole process. š
Is anyone else skeptical about these offset situations? I've heard stories where people had offsets for debts they'd already paid or that weren't even theirs. Shouldn't there be a better verification process before they just take your money? And why does it take so long to get the remaining refund when they can take the offset amount immediately?
OMG I was so worried about this same thing last month!! My offset was for old state taxes I didn't even know I owed! š± But I can confirm that YES, you absolutely do get whatever is left over after they take the offset amount. Mine took exactly 17 days from when my WMR status changed to "refund approved" until I got the remaining amount in my bank account. The waiting was awful but it did come through! Keep checking your bank account and be patient! š
Axel Bourke
Oh my goodness, THANK YOU for posting this!! š I filed on 2/14 with TurboTax and also did the fees from refund option. My transcript has been blank this whole time and I've been freaking out! This gives me so much hope that mine might update soon too! I've been checking WMR and the transcript site literally every morning at 6am and again at night. The anxiety is REAL when you're waiting for your refund!
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Aidan Percy
I filed exactly on February 15th, just 2 days after you, and my transcript is still completely blank after 29 days. I'm supposed to get $5,843 back and I need exactly $4,200 of that by April 1st to pay for some emergency home repairs. Seeing your timeline gives me a tiny bit of hope that mine might update in the next few days. Did you have any tax credits that might have delayed yours? My return includes $2,000 in Child Tax Credit which might be slowing things down.
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