I had the exact same codes on March 12th. Got a letter dated March 15th asking to verify my identity. Called the number in the letter on March 18th, verified myself, and my refund was deposited on April 2nd. The 03 cycle code typically means your account updates on Wednesdays, so check your transcript again tomorrow. If you don't receive a letter by April 15th, I'd definitely call to see what's happening.

Got the same codes back in Feb. Freaked out at first ngl. 570 showed up first, then 971 a week later. Then boom - got a 571 (release of hold) and 846 (refund issued) exactly 14 days after the 971 appeared. DD hit my acct 2 days after that. Hang tight, prob just CTC verification. Super common this yr.

I went through this exact scenario three weeks ago. Here's what happened step by step: 1. Filed my return on February 10th 2. Got letter about ID verification on March 1st 3. Called IRS on March 5th, was told verification was reversed 4. Transcript updated with code 571 on March 10th 5. DDD appeared on transcript on March 12th 6. Money in my account on March 14th Total time from being told verification was reversed to money in account: 9 days. Hope this helps set your expectations!

Word of caution: I had this happen last year and thought everything was fine, but then my return got flagged for a different issue two weeks later. The reversal of ID verification doesn't guarantee smooth sailing. In my case, they reversed the verification but then selected my return for a random review of education credits. This added another 45 days to my processing time. Not trying to worry you, but just be aware that one hurdle cleared doesn't mean you're completely in the clear. The IRS has multiple layers of review that operate independently.

I was in the exact same situation on March 15th last year with my Credit Karma advance. The TPG status stayed on "unfunded" for almost 5 days after my WMR showed approved. Everyone else I knew had already updated to funded. I totally understand how stressful it is - I remember checking constantly! The community wisdom seems to be that Credit Karma advances specifically have longer processing times with TPG than other banks. Hang in there, it's probably just working through their system!

There's actually some additional information about this specific issue on the TPG help center. They're experiencing a synchronization delay with Credit Karma advances due to an API update that happened last week. Have you tried calling their automated status line instead of checking online? Sometimes the phone system has more updated information than the website. What date did your WMR change to approved? And does your transcript show code 846 with a direct deposit date?

What you're experiencing is likely a result of the somewhat unusual timing in the ACH network processing schedule. TPG probably received what's called a "pre-notification" of incoming funds, which is essentially a heads-up that money is in transit. In most cases, though not all, these pre-notifications are indeed followed by actual deposits within 24-48 hours. I would suggest, perhaps, checking your bank account around mid-day tomorrow, as many financial institutions process incoming ACH transfers in batches throughout the business day.

Dealing with TPG is like trying to get a straight answer from a magic 8-ball sometimes. Last year they told me my refund was coming "tomorrow" for THREE DAYS IN A ROW. The money was basically stuck in financial purgatory between TPG and my bank. Each blamed the other. If I were you, I wouldn't count on that money until it's actually in your account. TPG is just the middleman taking a cut of your refund for the convenience of letting you pay your tax prep fees later. They're not exactly rushing to get your money to you - it's like expecting the toll booth operator to help you get to your destination faster.

One thing to consider is whether you claimed any refundable credits besides the Child Tax Credit. The Earned Income Credit or American Opportunity Credit can also trigger additional review. I always tell my friends it's like the IRS plays "tax return bingo" - if you hit too many special categories (dependent under 17, education credits, self-employment income), you win the prize of waiting longer! 😂 But seriously, as long as WMR doesn't show an error, you're probably fine.

Just wanted to share a success story that might help. I was in the same situation last year according to the IRS2Go app. Filed three family returns on the same day through TurboTax. Two processed quickly, but mine with a child under 17 sat with N/A transcript for almost 4 weeks. Then suddenly one Tuesday morning everything updated at once, and my refund was deposited two days later. The IRS Where's My Refund tool never showed any issues - it just took longer because of the additional verification steps.