


Ask the community...
I think there might be some confusion about how the Credit Karma Money accounts work with tax refunds. From what I understand, they *might* process a bit differently than traditional banks, especially if you paid your TurboTax fees upfront rather than having them deducted from your refund. It seems like the upfront payment method sometimes follows a different processing path, although I'm not entirely sure why that would be the case.
I had this exact situation last year, so let me walk you through what happened with me: 1. Filed with TurboTax and selected Credit Karma card 2. Got a DDD of 2/18/23 3. No deposit on that date 4. Called Credit Karma on day 3 - they confirmed they could see it pending 5. Money appeared on day 4 at around 3am The Credit Karma rep explained that they process tax refunds in batches, and while they receive the funds from the IRS on the DDD, they have an internal verification process that takes 2-4 business days. It's frustrating but completely normal. I appreciate everyone sharing their experiences here - it definitely helps reduce the anxiety of waiting!
I'm so stressed about this too! Did anyone have to take time off work for their appointment? I'm scheduled for next Wednesday and I'm worried about losing hours. Was it a quick process or did you have to wait a long time at the office? š°
According to the IRS website (https://www.irs.gov/identity-theft-fraud-scams/identity-verification), you might be able to call the IRS Identity Verification phone line at 800-830-5084 instead of going in person. When I had to verify, I called first and they were able to handle everything over the phone. Saved me the trip. Might be worth trying before your appointment.
Colorado changed their verification system. Huge backlog now. Everyone's waiting longer. My return from January 15th just finished. Yours should be soon. State budget issues causing staffing problems too. Just wait it out.
To definitively answer your question: The IRS Account Online portal at https://www.irs.gov/payments/your-online-account is where you can view most notices and letters. For identity verification specifically, if you've received a 5071C letter, you must use idverify.irs.gov or call the toll-free number on your letter. I just went through this entire process last month as a first-time filer! The Account transcript will show TC 971 with specific notice numbers that correspond to communications sent to you. What a relief when I finally figured out the proper channels after weeks of confusion!
The IRS sends exactly 3 types of verification requests: CP05 (income verification), 5071C (identity verification), and 4883C (taxpayer protection program). You need to wait precisely 21 days after filing before checking for notices. Last year, 5.4 million taxpayers received verification requests, causing average delays of 75 days. This is completely unacceptable! The verification systems are outdated and inefficient, but you must check or risk having your return rejected without notice.
Zainab Ahmed
Have u checked your account transcript instead of return transcript? Sometimes acct transcript updates first and shows pending refund info before the return transcript becomes available. Also, did u try checking at diff times? Some ppl see updates around 3-4am on Thurs for cycle 05.
0 coins
Connor Gallagher
The IRS is required under Internal Revenue Manual 21.4.1.3 to process returns within 21 days, but identity verification extends this timeline significantly. I was in your exact situation last year - filed 2/3, verification notice 2/20, notice disappeared 3/5, reappeared 3/15. My transcript finally updated on 3/23 and refund deposited 3/27. You need to act quickly though - if they don't hear back on verification within 30 days, they can freeze your refund under procedure 6490.1 until you respond to a formal 5071C letter.
0 coins