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OMG you actually got lucky!!! š® I had to go through the WHOLE identity verification nightmare last year and they made me wait for the letter, schedule an appointment, drive to the office, wait in line... took FOREVER! The fact that they just did it over the phone is AMAZING! Here's what happens next: your return gets released from the verification hold (usually within 24-48 hours), then enters normal processing. Your transcript will update first (usually within a week), then WMR will change to approved, and then you'll get your refund! The whole process after verification usually takes 7-14 days but can be faster. I'm so happy you didn't have to go through the in-person verification hell! š
I believe you might see movement very soon... The IRS seems to be processing ID verification cases faster this year than in previous years. While I'm not 100% certain, I've noticed that many people who verify their identity are seeing updates to their transcripts within about a week, sometimes even faster. Just make sure to keep checking both WMR and your transcript, as sometimes one updates before the other.
I'm seeing a pattern with February filers claiming dependents this year! The IRS is absolutely swamped with returns right now and they're prioritizing certain batches. God, it's so frustrating waiting for money that's rightfully yours! Most people I know who filed with dependents in early February are seeing updates this week or next. The good news is that once it starts moving, it usually moves quickly. Hang in there!
Just to clarify - a DDD of 2/24 means the IRS released it on 2/24, not that it should be in your account on exactly that date. The ACH transfer typically takes exactly 1-3 business days after that. Since 2/24 was a Saturday, the actual ACH process wouldn't start until Monday 2/26, meaning you should expect it between 2/27-2/29. If it's now March and you still don't have it, then you have reason to be concerned. Have you checked your 2023 transcript for TC 846 code to confirm the DDD?
This is exactly right. My DDD was 2/17 (also a Saturday) and I didn't get my deposit until 2/22. The weekend dates really throw things off, and the IRS doesn't make that clear in their communications.
Call the IRS directly at 1-800-829-1040. Forget waiting for Chime or checking WMR constantly. The IRS can tell you exactly where your refund is and if there's a hold or problem that's not showing up on the app. Be prepared to wait on hold, but it's the only way to get real answers. If your DDD was 2/24 and it's now March, something is definitely wrong and you need to address it directly.
Call them NOW and ask to speak to a supervisor. Tell them you have urgent bills to pay and need access to your funds immediately. I did this with my credit union and they released it same day. They can override the hold if they want to - it's just their default policy to wait. Don't take no for an answer.
Did you have to provide any proof of the urgent bills? I'm in a similar situation and wondering if I should try this approach. What exactly did you say to convince them?
This is standard practice for most credit unions. I've been tracking this issue in the tax refund community for years, and February 25th is right around the corner. Most people find that the money actually posts very early in the morning on the DDD - sometimes as early as 12:01 AM. If you have bills due on the 25th, you might want to call those companies and explain the situation rather than fighting with your credit union, which probably won't budge on their policy.
Mia Alvarez
I'm not convinced amending is worth it if it's truly a small amount. The IRS has a materiality threshold they don't publicly disclose. They're not going to chase down every $50 discrepancy. Cost-benefit analysis, people! The processing centers are still backed up from the pandemic era. Your amendment might sit in a pile for 6+ months. But hey, if you can't sleep at night knowing you're technically not in compliance, by all means file that 1040-X. š“
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Carter Holmes
ā¢I appreciate your practical perspective! It's like that old saying about the IRS - they're not looking for perfection, just reasonable compliance. The tax code is basically 10,000 pages of exceptions to exceptions, so sometimes you have to make judgment calls based on the actual impact.
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Sophia Long
I've been through this amendment process twice before. First time was back in 2019 when I forgot a small 1099. Second time was in 2022 with a missing W2 from a temp job. Both times I waited until after receiving my original refund, then filed the 1040-X. I'm slightly worried for you because the IRS seems to be more aggressive with matching programs lately, so I'd definitely recommend amending rather than hoping they don't notice.
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