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The IRS website actually has a page that explains these transcript codes: https://www.irs.gov/individuals/understanding-your-tax-record. The 570 is definitely a hold, but it's often temporary. You can also check the Tax Time Guide on IRS.gov which mentions that many returns this year are being selected for additional review due to identity theft prevention measures. Most of these reviews are resolved automatically without any action needed from you.
Let me explain how the SBTPG process actually works, since there's a lot of misinformation: Step 1: IRS approves your refund and assigns a DDD (in your case 2/22) Step 2: IRS releases funds to SBTPG (usually midnight of your DDD) Step 3: SBTPG verifies the amount matches what they expected Step 4: SBTPG deducts their fees and TurboTax fees Step 5: SBTPG initiates ACH transfer to your bank/Cash App Step 6: Your bank/Cash App processes the incoming ACH Cash App is typically faster at Step 6 than traditional banks. Some people get lucky and SBTPG processes them a day early, but don't count on it.
Warning from someone who's been through this: Never pay TurboTax fees from your refund if you can avoid it! I paid $39 extra last year for the "privilege" of having SBTPG hold my money for 2 extra days. This year I paid TurboTax directly with a credit card and my refund came straight from IRS to my bank - got it 3 days BEFORE my official DDD! The SBTPG middleman just adds delays and their website never shows accurate info. Check https://igotmyrefund.com/forums for real-time reports from others with your same DDD.
This identity verification process is much more streamlined now compared to 2022. Back then, it would take 3-4 months after verification to get a refund. Now most people see movement within 2-3 weeks. Unlike the amended return process, which still takes 6+ months, the identity verification pathway is relatively quick. Similar to how the CP14 notice resolution improved this year, the identity verification process has been optimized as well. If you're coming from a divorce situation like I did, make sure all your personal information matches exactly across all documents.
Thank you for sharing this comparison! I was dreading a months-long wait after reading older posts. It's reassuring to hear the process has improved since 2022.
I got the verification letter in February. Completed it online immediately. Checked WMR daily. Nothing changed for two weeks. Then suddenly updated to approved. Got my direct deposit three days later. Total time was 16 days from verification to deposit. The online process was simple. Took about 10 minutes. Needed my ID and cell phone. Used ID.me system. Much better than calling.
Did you have to create a new ID.me account? I already have one for VA benefits but I'm not sure if it's the same system or if I'll need to make a new one specifically for the IRS verification?
I would recommend they also contact their state tax agency immediately. On January 12th this year, I discovered someone filed federally using my info, and three days later they tried filing a state return too. By February 3rd, I had contacted my state tax department and they flagged my account. When the fraudulent state return came in on February 17th, it was automatically rejected. Your friends should do this by April 15th at the latest, before fraudsters try to hit state taxes too.
This happened to me last filing season and it was terrifying. I kept thinking about how someone had all my personal information. Beyond the tax stuff everyone's mentioned, make sure your friends change ALL their passwords and enable two-factor authentication everywhere. The thieves who got my tax info also tried to access my bank accounts and credit cards. I remember checking my credit report obsessively for months afterward. I'm still a bit nervous every time I get mail from the IRS, wondering if there's more problems coming.
Brady Clean
Have you received any letters or notices from the IRS? Sometimes they send a letter requesting additional information but don't update the online systems right away. Also, did you check both account transcript and return transcript? Sometimes one will update before the other.
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Skylar Neal
The N/A transcript with a processing delay message is a classic indicator of a CP05 review. This is an automatic compliance check where the IRS verifies income, withholding, and credits claimed. The cycle typically takes 45-60 days from filing date. Your 'as of date' of 4/26 aligns with this timeframe from your 1/29 submission.
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