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If I could give 10 stars I would If I could give 10 stars I would Such an amazing service so needed during the times when EDD almost never picks up Claimyr gets me on the phone with EDD every time without fail faster. A much needed service without Claimyr I would have never received the payment I needed to support me during my postpartum recovery. Thank you so much Claimyr!
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I had this exact situation on April 2nd this year. SBTPG only showed the post-offset amount. The Treasury takes their portion before SBTPG gets anything. If you're expecting a refund and worried about an offset, you can call the Treasury Offset Program directly at 800-304-3107 to check if you have any outstanding debts subject to offset. I called on March 28th and they told me exactly what was going to be taken before I even got my refund.
Be careful with this. SBTPG might show a reduced amount, but not tell you why. I had this happen. Thought it was fees. It wasn't. It was offset for old student loan. By the time I figured it out, planning was difficult. Should have checked transcript first. Would have seen code 898. Always check transcript before assuming amounts are correct.
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I remember going through this exact situation last tax season. My transcript showed a DDD but nothing appeared in my account for almost a week. What I learned is that the banking system has these ACH transfer windows that don't always align with what we expect. For example, my credit union processes incoming federal payments in batches at 2am and 2pm. If the IRS sends it after the morning batch, I don't see it until the next day. I'd suggest checking with your bank about their specific federal payment processing schedule.
Wow, I had no idea banks had specific processing times for federal payments. That explains so much about why some people get their refunds at weird times. Thanks for sharing this knowledge - definitely going to ask my bank about their schedule!
Melissa Lin
Have you tried checking your refund status through the IRS2Go app instead of the website? Sometimes they show different information. Also, ever notice how the WMR tool and your transcript can show completely different statuses? I've had situations where WMR showed nothing but my transcript had the DDD. Might be worth checking both places if you haven't already.
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According to the IRS2Go app and the official IRS processing status page (https://www.irs.gov/refunds/tax-season-refund-frequently-asked-questions), cycle 0605 is experiencing longer than normal processing times. I've been researching this issue and found that checking your transcript too frequently can sometimes trigger security flags in their system. Maybe try waiting 3-4 days between checks? I'm cautious about suggesting this since it's not officially confirmed, but several forum discussions on r/tax and the TaxProTalk website mention this as a potential issue.
I've seen this specific issue with cycle 0605 before. Here's what you should do step-by-step: 1. First, verify you're checking the correct tax year (2024 for returns filed in 2025) 2. Check your return status using Where's My Refund tool rather than just the transcript 3. Confirm your filing was actually accepted (not just submitted) via your tax software 4. Look for any emails from your tax software about filing status 5. Wait until at least 21 days have passed before becoming concerned I'm worried that with the current backlog, many cycle 0605 returns are taking 6-8 weeks to process. This could impact your financial planning if you were counting on that refund soon.
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Mason Lopez
Watch out for the fake update trap! My transcripts showed N/A for 2 weeks after verification, then briefly updated showing a refund date, then went BACK to N/A for another week! The IRS2Go app kept showing different statuses than the website. According to the IRS website (https://www.irs.gov/refunds/tax-season-refund-frequently-asked-questions) it can take up to 9 weeks after verification for some returns. I'm on week 4 now and desperately need this money for rent due on the 1st!
Vera Visnjic
Have you checked your account transcript instead of just the return transcript? Sometimes the account transcript will show processing codes even when the return transcript is still blank. Look for TC 570/971 codes which indicate they're reviewing something. Also, did you get any indication of why they needed verification in the first place? That can sometimes hint at what might be causing delays.
Sasha Ivanov
Did you have any fees taken out of your refund? I'm asking because I filed exactly 32 days ago with H&R Block and also chose the refund advance option. My transcript shows a DDD of 2/28, but I'm trying to figure out if I'll get it early like you did.
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Amara Okafor
ā¢Do you know if having the advance affects whether you get it early? I've heard some banks don't release early when there's a third-party processor involved.
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CaptainAwesome
ā¢The advance doesn't typically affect early release - it's more about your bank's policies. Wells Fargo, Chase, and Credit Karma are known for releasing funds as soon as they receive them, while Bank of America and most credit unions hold until the official date.
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Yuki Tanaka
OMG THANK YOU for posting this!!! š I have the EXACT same situation (H&R Block, same DDD, all credits) but with Chase bank instead. Just checked my account after seeing your post and IT'S THERE!!! Would have never checked until tomorrow if I hadn't seen this! This community seriously saves my sanity every tax season! š
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