


Ask the community...
FYI - the rejected DD process is pretty standard. Bank rejects the $ within 24-48 hrs, then it goes back to IRS. They'll auto-convert to paper check w/o you needing to do anything. BUT it does add time. My roommate dealt w/ this in Feb and it took ~3 wks from DDD to getting the check. Pro tip: sign up for informed delivery from USPS so you can see when the check is coming in your daily mail preview emails!
I successfully navigated this exact situation last month! My DDD was March 8th, bank rejected it on March 9th (closed account), and I received my paper check on March 29th. Unlike dealing with amended returns which can take 16+ weeks, this process is actually pretty efficient in comparison. Just make sure your address is current with the IRS. I was worried too, but the system worked exactly as designed.
Has anyone actually gotten through to the IRS since January 29th when tax season officially started? I've been trying at least twice a week since February 15th with absolutely no luck. Is it even worth trying again before April 15th?
Yes, it is possible to reach them, but with specific strategies. The IRS Taxpayer Advocate Service reported that only 13% of calls were answered during peak season last year. Your best chance is calling the dedicated refund hotline (800-829-1954) rather than the main number, especially on Wednesdays or Thursdays between 8:00-8:30am or 6:00-7:00pm Eastern time. Have your filing status, exact refund amount, and SSN ready before calling.
I was probably in a somewhat similar situation last month. Filed January 25th, accepted same day, but no updates for nearly 5 weeks. I eventually discovered my return was selected for a random review - nothing I did wrong. The IRS generally processes most returns within 21 days, but they can technically take up to 45 days without owing interest. In my experience, calling rarely speeds anything up unless there's a specific issue they need information from you to resolve.
I'm so glad you got your DDD (direct deposit date) with that 846 code! Just so you know, the 810 Freeze Code is often applied to returns with significant changes in income reporting from prior years, which is common for gig workers with variable income. The IRS typically releases these holds within 60-90 days even without intervention, but your proactive approach clearly expedited the process. The cycle between resolution and actual deposit is typically 5-7 business days, so your funds should arrive soon.
Just to be clear - you called the Examination Department directly? Not the general IRS number? I've been trying the main line for weeks with no luck. My return's been frozen since early March and I'm getting desperate. Did you use a specific extension or ask for a particular department when you called?
Here's how to determine your refund delivery method after verification: 1. Access your full account transcript, not just the return transcript 2. Look for the 846 code line 3. Check for a notation after the amount that says either "DD" or "CHECK" 4. If no notation, examine the full line for your bank account number (last 4 digits) 5. If bank info appears, it's direct deposit 6. If you see "CHECK" or no bank info, expect a paper check 7. For direct confirmation, call IRS at 800-829-1040 8. Use option 2, then 1, then 3, then 2, and provide your info when prompted The system changed in late 2023 - more verified returns now keep their original delivery method.
Wait, does this work for all transcript types? I have: ⢠Account transcript ⢠Return transcript ⢠Record of Account ⢠Wage & Income Which one should I check specifically?
I just went through this EXACT situation 17 days ago! Verified my identity on February 28th, got 846 code on March 2nd with date of March 6th. I received my direct deposit exactly on March 6th at 3:27am. The IRS processed exactly 4,821 verification cases that same day according to the agent I spoke with. Of those, 76% kept their original refund method (DD or check). You should have your money in exactly 6 days from now if the pattern holds!
Sadie Benitez
Try this workaround: 1. Go to the "Get Transcript" page instead of the direct verification page 2. Choose "mail" option instead of online 3. Wait for the letter with the verification code (takes ~5-10 days) 4. Once you have the code, you can complete verification online This bypasses the ID.me system that's giving everyone headaches. Worked for me and 3 other ppl in my tax group. Not as fast as getting thru by phone but def more reliable rn.
0 coins
Drew Hathaway
PLEASE be careful with verification issues! My sister ignored her verification notices thinking she could just handle it "later" and it turned into a NIGHTMARE! š« The IRS froze her refund, then sent it to the fraud department, and it took 11 months to resolve. She had to submit paper copies of everything, get documents notarized, and even then they kept asking for more proof. If you absolutely can't verify online or by phone, send a certified letter to the address on your notice explaining your situation. It's slow but creates a paper trail they can't ignore.
0 coins