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I had this exact situation last tax season. Here's what worked for me: ⢠Created an IRS online account ⢠Downloaded both the Return Transcript and Record of Account ⢠Sent both to my lender ⢠Explained that my preparer was unresponsive ⢠Signed an affidavit confirming the transcript matched my return Most lenders have a process for this exact situation. They deal with it all the time.
Can you clarify what the affidavit looked like? Did your lender provide the form or did you have to create one?
I actually went through this nightmare scenario last summer! My tax guy suddenly closed his practice and I needed my returns for a business loan. I spent hours researching and found that creating an IRS online account was the fastest solution. The verification process was frustrating though - they kept rejecting my mobile phone for the verification step because it was a business line. Finally got in using my personal cell instead. The transcripts worked for my lender, but they initially pushed back saying they needed the "actual return" until I showed them that the transcripts came directly from the IRS.
Did you have to provide any additional documentation along with the transcripts to satisfy your lender? My mortgage broker is being really strict about needing the "full tax return with all schedules.
I filed 2/11 and just got my deposit last week. No WMR updates at all until 2 days before the money hit my account. The IRS is seriously backed up this year - I heard they had staffing issues at several processing centers. Hang in there!
Check if you have any past due debts that might trigger an offset (student loans, child support, etc). Those can cause delays because your return gets routed through an additional review process. Also, if you filed by paper instead of e-file, add at least 6-8 weeks to the normal processing time.
When they say April 5th, is that when they're sending it or when you should expect to receive it? This is an important distinction that often confuses taxpayers. The date they provide is typically when the IRS releases the funds to your financial institution, not necessarily when you'll see it in your account. Why does this matter? Because depending on your bank's processing times, you might not see the money until April 8th or 9th, especially if the 5th falls on a weekend or holiday.
OMG I'm so mad at the IRS right now!!! They told me March 15th and I STILL don't have my money!!! š”š”š” Maybe try calling the Taxpayer Advocate Service instead of just waiting? They sometimes can push things through faster if you have a financial hardship. The number is 1-877-777-4778. I'm going to try them tomorrow because this wait is ridiculous!!
Think of IRS verification like your bank's fraud detection system. When I used my credit card in three different states in one day while traveling, my bank immediately flagged it and froze my card. The IRS does something similar with tax returns. Your newly married status is like suddenly using your credit card in a new country - it's not necessarily suspicious, but it's different enough from your previous pattern to trigger a verification check. About 1 in 20 taxpayers get selected for verification, and first-time status changes like MFJ are common triggers.
I went through this exact situation last year after getting married! It was frustrating at first, but the verification process ended up being pretty straightforward. I used the ID.me online option and was verified within 15 minutes. My refund was delayed by about 2 weeks compared to my typical timeline from previous years. Interestingly, my spouse and I both had to verify separately even though we filed jointly. Have you checked if your spouse also needs to verify but maybe the letter hasn't arrived yet?
Javier Torres
I was in exactly your situation 9 days ago. DDD of 3/6 and nothing on my Emerald Card until 3/15. Called H&R Block 4 times with no real answers. Finally used Claimyr (https://claimyr.com) to reach an actual IRS agent after waiting exactly 97 minutes on hold. The agent confirmed the money was sent to H&R Block on my DDD and provided me with a trace number. When I called H&R Block back with this trace number, they suddenly "found" my deposit and released it within 24 hours. So relieved to finally get my $4,873 refund!
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Emma Davis
ā¢Wait, you actually got through to a real person at the IRS? I've been trying for days and keep getting the "high call volume" message and disconnected. Thanks for sharing this - might be worth the fee if it helps me figure out where my money is!
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CosmicCaptain
Has anyone actually received an explanation from H&R Block about why these delays are happening? Is it affecting all Emerald Card holders or just certain types of returns? Have you checked if there's any pattern to who's experiencing delays? I've been tracking several forums and it seems like people with certain tax credits are having longer delays than others. Did you claim any credits on your return?
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