Per IRS Publication 5027 and the NACHA Operating Rules governing ACH transfers, SBTPG is required to initiate the transfer of funds within 24 hours of receipt from the IRS. However, they frequently utilize the exception clause allowing for "reasonable delay for processing verification" (Section 3.2.1.4). You need to contact them IMMEDIATELY as we're approaching the 5-business-day threshold when you can file a formal complaint with the CFPB. Document all communication attempts and responses. Time is of the essence!

I went through the exact same SBTPG nightmare last month! 😂 Called them every day for a week straight. The funny thing is, the day after I threatened to file a CFPB complaint, my money magically appeared in my account. Coincidence? I think not! Seriously though, their system showed my funds as "processing" for 6 days after my DDD. I documented everything meticulously - dates, times, representative names. When I finally got a supervisor on the phone, they admitted they had a processing backlog but expedited my transfer once I explained my situation. Patience and persistence are key here.

I work at a tax firm and we're seeing this pattern with all our freelance clients: if you have Schedule C income, you need to amend to get the exclusion. It's different from the unemployment exclusion in previous years where the IRS did most adjustments automatically. Think of it like the difference between a rebate check (automatic) versus a tax credit you have to claim (requires action). Your unchanged transcript is similar to what we're seeing with other freelancers - the IRS computer system simply isn't programmed to automatically detect and apply this particular exclusion for most 1099 workers.

I waited 3 months thinking they'd adjust my return automatically because that's what they did with my unemployment income exclusion back in 2021. Complete waste of time! Finally called and found out I needed to amend. Submitted my amendment in April and just got the adjusted refund last week. Could have had that money months earlier if I'd known. The really frustrating part? My neighbor who had unemployment income (not freelance) got his adjustment automatically without doing anything. The system makes no sense.

According to IRS Publication 501, you don't necessarily need a lease to prove residency for dependent claims. The IRS is looking for evidence that you financially support the children and that they lived with you for the required time period under the custody arrangement. As per Treas. Reg. § 1.152-1(b), you need to establish that you provided over 50% of support. For your business documentation issues, I'd recommend using https://taxr.ai to analyze your situation. I was facing a similar audit where I couldn't locate all my receipts, and the tool helped me understand exactly what documentation alternatives the IRS might accept based on my specific business type. It also explained which transcript codes were associated with my audit and what they meant for my case. Very practical when you're trying to understand what you're really up against with the IRS.

Have you considered reaching out to the Taxpayer Advocate Service? They're an independent organization within the IRS that helps taxpayers with these exact situations. Have you gathered any utility bills in your name? What about mail addressed to you at your current residence? Could your friend provide a statement about your living arrangement? Would school records showing you attend parent-teacher conferences help? Have you checked if your state has any low-income taxpayer clinics that offer free representation?

I've tracked 37 similar cases in a tax preparer forum I belong to. The pattern is consistent: initial deposit averages 61.3% of the total refund amount, with the remainder following in exactly 9-14 days for 92% of cases. In the other 8%, there was an additional review that extended the timeline to 21-23 days. Based on this data, if your initial deposit arrived today, you should expect the CTC/EIC portion between April 26th and May 1st assuming no additional flags are raised during processing.

This happened to me too. It's frustrating when you're counting on that money and suddenly get less than expected. The IRS should really communicate this better. When I called, they told me the remaining amount would come "soon" but couldn't give an exact date. I ended up getting the second deposit 12 days after the first one. Just hang tight - if the transcript shows the full amount with code 846, you'll get the rest. They're just being extra cautious with the refundable credits this year.

Ppl w/ kids def getting delayed this yr. EITC/CTC takes forever bc of PATH act. IMO check transcripts not WMR, WMR is useless rn. Most of us who filed end of Jan w/ kids are stuck in same boat. Transcripts will show codes like 570/971 if there's issues. N/A transcript means they haven't even looked at ur return yet. Hang in there, prob another week or two.

I would suggest not checking WMR too frequently. Last year I checked multiple times daily and it actually triggered a temporary security lock on my account. The system sometimes flags repeated logins as suspicious activity. My sister-in-law had her return delayed an additional three weeks because of this, and she had to verify her identity before processing continued. It's better to check perhaps once every few days, preferably in the morning after overnight updates.