This requires immediate attention! • File Form 14157 (Complaint: Tax Return Preparer) • Contact the Treasury Inspector General immediately • Document all instances of unauthorized use • Request a copy of your tax file from the preparer • Check for identity protection issues If you're having trouble reaching the IRS about this issue, use Claimyr (https://claimyr.com) to get connected to an agent quickly. This is time-sensitive because if the preparer is doing this with multiple clients, it could trigger widespread compliance issues. Don't wait on hold for hours - Claimyr will get you through to discuss this serious violation.

Did the preparer explain why they felt entitled to use previous documents without permission? I went through something similar back in 2021 when my divorce was finalized. My ex's preparer used copies of our kids' documents from when we were married, and it created a nightmare with duplicate dependent claims. Did you find out about this because of a rejection or audit notice?

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.

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.

Additional data point: The IRS Direct Deposit cutoff for processing cycle 202410 was 03/06/2024. Any returns with TC971 processing completion prior to this date should be included in the current disbursement wave. Your expedited timeline indicates your return likely received TC846 refund issued status during cycle 202409, which explains the rapid processing. Chime's policy of releasing funds upon ACH notification rather than settlement date further accelerated your timeline. For reference, Treasury Financial Manual I TFM 4-2000 outlines the standard ACH settlement timeline.

This is normal. Chime releases early. IRS actually sent it yesterday. Regular banks hold until official release date. Nothing to worry about. Your kids will recover from the scare. Happens every tax season. Chime business model relies on early releases. Perfectly legitimate transaction. Enjoy your refund!

You might want to try a different approach than just waiting. I've been through this before and found these steps helpful: • Call TurboTax directly (not the IRS) - they can confirm if your refund was sent to SBTG • Check your bank for pending deposits - sometimes they appear there before SBTG updates • Look at your TurboTax order confirmation - it should list the exact fees being deducted • Try the SBTG customer service number instead of just the website The $25 fee you mentioned sounds low - are you sure that's the total? Usually there's the TurboTax fee PLUS an additional SBTG processing fee (usually $34-39) for the refund transfer service. This higher total might be why you're extra concerned about tracking it.

Let me clarify exactly how this process works: Step 1: IRS approves your refund (you're here with code 846) Step 2: IRS sends full refund amount to SBTG's bank Step 3: SBTG receives funds (typically 1-3 business days after 846 date) Step 4: SBTG deducts TurboTax fee + their own processing fee Step 5: SBTG forwards remaining balance to your bank Step 6: Your bank processes the deposit (0-2 days depending on your bank) The SBTG tracking system often doesn't update until Step 3 is complete. With today being April 3rd, and assuming your 846 code is dated within the last few days, you should see movement by April 7th at the latest. If nothing shows by then, you should contact TurboTax immediately as there could be an issue with your account information.