File 2022 separately. No amendments needed. Each tax year stands alone. Use tax software that handles prior years. Print and mail if necessary. Include your notice number. Keep copies of everything. Expect 6-8 weeks processing time. Your 2023 refund will be released after 2022 is processed. No further action needed typically.

I just went through this! The process is actually pretty straightforward: • You need to file 2022 as a completely separate return • You CANNOT amend your 2023 return to include 2022 information • The IRS processes each tax year independently • Once your 2022 return is processed, they should automatically release your 2023 refund • You might need to pay a late filing penalty for 2022, even if you're due a refund I had no idea the IRS automatically held current refunds for unfiled prior years! The tax system is way more interconnected than I realized.

I... I think I might try calling that number tomorrow. I filed on February 1st with both EITC and CTC and still nothing. My rent is due in 5 days and I was really, really counting on this refund. Maybe if I call early, around 7:00 AM when they first open, I might have better luck getting through? Every day I check WMR and still just one bar... it's making me so anxious I can barely sleep.

According to the official IRS.gov updates and several tax professional forums I follow, there was indeed a processing delay for EITC/CTC returns this year. The IRS systems were updated on February 18th to begin releasing these refunds, but they're being processed in batches. If you check the r/IRS subreddit or the Facebook tax groups, many people who filed early February are just now seeing deposits this week. The IRS2Go app sometimes updates before the website version of WMR, so that might be worth checking too.

Be cautious about bank processing times even after you have a DDD. Some financial institutions hold IRS deposits for 1-2 business days before releasing funds to your account. Additionally, if you had tax preparation fees deducted from your refund through a Refund Transfer product, this can add additional processing time. I've seen cases where people expected their money on their DDD but didn't account for these additional processing steps.

I filed on February 3rd and just checked my transcript after seeing your post - finally updated with a DDD of March 1st too! My transcript had been N/A until today as well. Last year I filed on January 28th, 2023 and didn't receive my refund until March 15th, 2023, so this is actually faster than last year for me. The IRS seems to be moving through the early February filers now.

Think of SBTPG like a toll bridge between the IRS and your Credit Karma account. The "funded" status means your money has arrived at the toll booth, but still needs to pay the fee and cross the bridge. In my experience with Credit Karma deposits, they typically arrive 1-2 days after showing as "funded" in the SBTPG portal. Sometimes this means you get it a day early, sometimes right on the projected date. It's like ordering a package that says "out for delivery" - it's close, but not quite in your hands yet. The good news is that once SBTPG shows funded, you're in the final stage of the process and should see your money very soon.

Be careful with timing expectations. On March 15th, 2024, my SBTPG portal showed "funded" but the money didn't appear in my Credit Karma account until March 18th. This caused me to miss a payment deadline on March 17th because I was counting on having those funds available. The specific dates matter because SBTPG doesn't process on weekends, so if your "funded" status appears on Friday, you likely won't see the deposit until Monday or Tuesday. I'd strongly recommend not making any critical financial plans based on the assumption that you'll receive the funds before the official deposit date, even if many people report getting it early.

Tbh, SBTPG isn't doing anything illegal here. Their TOS clearly states the timeline (ppl just don't read it). They're a biz that fronts the $ for tax prep fees & takes on risk if ur return gets rejected. The delay is bc they're processing thousands of refunds daily. The msg change is actually a good sign - means IRS sent ur $ and it's moving thru their system. I've worked w/ financial processors b4, and 48hrs is pretty standard for ACH transfers. Not saying it doesn't suck to wait, but there's legit reasons for the timeline.

Last year I had the same issue with SBTPG and Credit Karma. The message changed to "in queue" on a Thursday, and I was checking my bank account literally every hour. Nothing Friday, nothing Saturday, nothing Sunday... finally got it Monday morning. I called SBTPG twice and got different answers each time. One rep said it was "processing normally" and another said there was a "batch delay." Now I just file directly with the IRS and get my refund sent straight to my bank. Yes, I have to pay the preparation fee upfront, but I get my full refund 3-5 days faster. Is it worth the extra waiting time to have the fee taken out of your refund instead of paying upfront?