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According to the IRS operations page (https://www.irs.gov/newsroom/irs-operations), they're still experiencing delays with paper submissions. If you need to check on your prior year return status, calling the normal IRS number is frustrating - I spent 3+ hours on hold last month. I used Claimyr (https://youtu.be/_kiP6q8DX5c) to connect with an agent in about 15 minutes instead. They confirmed my 2019 return was received but flagged for manual review due to a prior year credit carryover. At least I knew what was happening instead of wondering.
Have you considered using the Taxpayer Advocate Service? Compared to waiting indefinitely, TAS can sometimes intervene if you're facing a financial hardship due to delayed processing. Unlike just calling the IRS, they have case advocates who can look into specific issues and sometimes expedite processing. Their threshold for "hardship" is lower than most people realize - potential eviction, utility shutoff, or inability to pay medical expenses all qualify.
The Taxpayer Advocate Service is generally for cases with actual hardships or where the normal IRS processes have failed. For a standard prior year return that's just working through normal processing channels, they typically won't take the case unless it's been significantly delayed beyond normal timeframes.
I was in your exact situation last year. Filed Feb 8th through Chime and didn't see my refund until March 29th! The whole time WMR just showed "still processing" with no explanation. I was counting on that money for car repairs and ended up having to put them on a credit card. The wait is definitely stressful when you're budgeting around that refund. Thanks to everyone here for the helpful advice.
You might want to try accessing your tax transcript through the IRS website rather than relying on WMR. The Account Transcript often shows pending refund information with cycle codes that can give you a more accurate timeline. If you see code 570 (refund hold) followed by 971 (notice issued), that's typically indicating they need additional information. Many Chime users report longer processing times due to the routing numbers triggering additional verification in the IRS fraud detection filters.
I was in your exact situation. So stressful. Couldn't understand my transcript. Used taxr.ai to analyze it. It explained everything. Showed me what each code meant. Predicted my refund date accurately. The site decodes all those confusing numbers. Really helped my anxiety. Worth checking out: https://taxr.ai
The IRS Publication 5192 clearly outlines all transcript codes and their meanings. Per section 6103 of the Internal Revenue Code, taxpayers have the right to access and understand their own tax information without third-party services. While convenient, these tools simply repackage publicly available information that the IRS already provides through official channels.
I've used several tax transcript tools including the one on IRS.gov, FreeTaxUSA's decoder, and taxr.ai. According to my research on r/tax and the TaxProTalk forum, taxr.ai provides the most comprehensive analysis. The IRS site gives you raw data, but taxr.ai actually explains what's happening with your specific situation and gives timeline predictions based on historical processing patterns. Check out the IRS2Go app too for basic updates while waiting.
Let me clarify a few things about SBTPG date changes for everyone: β’ The initial date (2/26) is the IRS official direct deposit date β’ The updated date (2/25) is when SBTPG has received your funds and is processing them β’ Chime users typically see deposits 24-48 hours earlier than traditional banks β’ SBTPG must first: - Receive the funds from IRS - Deduct any tax preparation fees - Process the remainder to your bank I understand how stressful this waiting period can be, especially after a divorce when finances are already complicated. The date change is generally a positive sign, but the exact timing of when Chime makes it available can vary throughout the day.
My SBTPG date changed from 2/12 to 2/11 last week, and my Chime deposit hit at 1:42pm on 2/11! Did your WMR status also update to show the refund was sent? And have you checked your transcript to see if there are any codes that might explain the date change? I was checking my bank account literally every hour that day because I was so anxious about it arriving early.
Ezra Beard
Isn't it interesting how the IRS expects us to file on time or face penalties, but they can just arbitrarily decide to process returns out of order with zero transparency? The community wisdom here is clear: file in March if you want your refund quickly. Early filers are essentially punished for being prompt. I've seen this pattern for three years running now. Early February filers wait the longest while March filers sail through. Anyone else notice this trend?
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Statiia Aarssizan
According to Internal Revenue Manual 3.30.123, the IRS is authorized to implement systemic workflow management procedures during peak filing season. Has anyone who was resequenced received any formal notification from the IRS about this status? I'm wondering if there's a specific notice number or explanation provided when this happens, or if you're just left in the dark until your refund eventually processes.
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