Have you checked if your state return has been processed yet? Sometimes there's a correlation between state and federal processing times for self-employed filers. I've noticed with my clients that when the state processes first, the federal 846 code often appears within 7-10 days afterward.

I've worked with several clients with EINs who filed Schedule C and had the 0505 cycle code this year. According to Internal Revenue Manual 21.4.1.3(1), returns with Schedule C income above certain thresholds undergo additional verification procedures. One client who filed on February 1st just received their 846 code yesterday after 47 days in processing. Their return included home office deductions, vehicle expenses, and depreciation - yet no audit or review was conducted. It's surprising how the IRS seems to be treating routine business returns with such extended timeframes this year without any formal explanation to taxpayers!

According to the Refund Cycle Chart published in the IRM Section 21.4.1, returns filed between February 11-17 that don't require additional review should complete processing by cycle 20240805, which ends March 22nd. Have you checked your Account Transcript specifically? Sometimes the Return Transcript shows N/A while the Account Transcript shows processing codes like TC 150 or pending transaction codes like TC 570/571.

Word of warning - last yr I filed Feb 15, got accepted same day, but my refund got stuck in ERS (Error Resolution System) for 11 wks! No explanation, no transcript updates, nothing. WMR just said "still processing" the whole time. Then suddenly one day - BOOM - transcript updated and got my $$ 3 days later. IRS never told me why it was delayed. If ur return has ANY discrepancies between ur reported income and what employers reported, it can trigger manual review. Patience is key rn, but def keep checking transcripts weekly.

I want to share that I went through this exact situation last month. I spoke calmly but firmly with the tax company, and explained that I understood my rights regarding the refund advance. I was nervous about confronting them, but they actually released my state refund right away. Sometimes they're just hoping you don't know better. I know how stressful money problems can be, especially when you're counting on that refund for important expenses.

Check the FTC website about this issue: https://consumer.ftc.gov/articles/tax-refund-loans. They clearly state that refund advances should only be repaid from federal refunds unless explicitly stated otherwise. I fought this battle last year and won by sending a certified letter citing this guidance. Take screenshots of your account showing any pending state refund they're holding, and document all communication. The threat of regulatory action often gets fast results.

The Treasury Offset Program (TOP) typically processes the remaining refund within 7-14 business days after the offset notification. However, there are several factors that can influence this timeline. The Refund Processing System (RPS) needs to recalculate your adjusted refund amount, which then gets routed through the Automated Clearing House (ACH) for direct deposit or through the Check Issuance System for paper checks. Your state's Department of Revenue should have a dedicated phone line for offset inquiries, which would be your best resource for a more precise timeline. Rest assured, the remaining amount is still being processed.

Have you tried checking your state's tax department website? According to taxadmin.org, most states have an online portal where you can track refund status similar to the IRS "Where's My Refund" tool. Does your offset notice have any specific code or reference number you can use to track it online?

I'd be careful about reading too much into these patterns! 😬 The IRS doesn't always follow predictable calendars for processing. While we often try to spot patterns, sometimes what looks like a skipped date is just how their internal batching works. I've seen this happen in previous years too - certain dates seem to get skipped but it doesn't necessarily mean anything is wrong with your return.

Last year I thought I'd cracked the code on IRS deposit dates too... spent hours on tax forums tracking patterns only to have my refund show up on a completely random Tuesday that didn't match any pattern! 😂 My theory is they just roll a 20-sided die at the IRS office to decide when to release our money lol. But seriously, my business return took exactly 47 days last year despite all the pattern-watching I did.