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Warning from personal experience: SBTPG has a fraud detection system that can delay transfers. If your refund amount is significantly different from previous years or exceeds certain thresholds, they may place a 24-48 hour administrative hold. This happened to me with a $7,800 refund last year. The hold isn't visible on their tracker - it still shows as "processing." If you're approaching 48 hours post-DDD with no movement, contact SBTPG directly at 800-901-6663 and request a manual review of your account status.
Has anyone received their refund through CashApp on a weekend? My DDD is this Friday (5/10) and I'm wondering if I should expect to wait until Monday if it doesn't process on Friday?
FYI - those referrals aren't what most ppl think. They're just internal notes saying you called. They don't actually escalate anything 99% of the time. The 30-day wait is just their way of getting you off the phone. Been there 2x and both times nothing happened till I got a Tax Advocate involved.
I went through this exact process last year. My first referral did nothing, but my second referral actually worked. I learned from the second agent that referrals need specific information to be effective. Make sure they note the reason for your inquiry and any financial hardship in the referral notes.
Thx for the update! FYI - there's a faster way to check than waiting for Fridays. If u have access to ur acct transcript (not just return transcript), u can check daily around 3am EST. That's when the overnight batch processing finishes. I've been tracking this for yrs and it's way more reliable than WMR. Just look for TC150 (return filed) followed by TC570 (hold) and then TC571 (hold released) and finally TC846 (refund issued). Saved me tons of time vs waiting for weekly updates!
Just a heads up for business owners - if you have Schedule C income, the IRS seems to be taking extra time this year. My theory is they're still catching up from the pandemic fraud cases. I filed on February 10th and just got my DDD yesterday - a whopping 86 days later! It's like the IRS is using dial-up internet while the rest of us have fiber, haha. But seriously, if you claimed any business expenses over $5,000, especially home office or vehicle deductions, they seem to be giving those returns an extra look.
Is this like being flagged for an audit? My business return is like a ship lost at sea - no updates for weeks. I'm worried they're going through my deductions with a microscope and I'll end up getting pulled into a full audit.
I can confirm this Schedule C delay phenomenon. My transcript showed code 570 for 6 weeks with no explanation. When it finally updated, there was a 571 code (hold released) and my 846 refund issued code appeared the same day. The cycle code on my transcript was 20241805, which indicates it was processed in the 18th week of 2024 on a Friday (05). The system is actually quite predictable once you understand the coding schema.
I'm wondering if you might have better luck with the Taxpayer Advocate Service instead of the main IRS line? It appears they sometimes can help with refund delays, though they generally prefer cases with financial hardship. Have you perhaps tried checking the transcript by mail request rather than online?
I filed on exactly March 18th this year with a similar situation (new head of household status) and had the same issue with WMR stuck on accepted. Called the IRS at 800-829-0582 ext 652 on April 12th at 7:03am EST, waited 47 minutes, and spoke with an agent who confirmed my return was in manual review due to the filing status change. She released the hold while I was on the phone, and my transcript updated 3 days later. Refund deposited exactly 5 days after that. Don't panic - the 45-day mark is when you should start actively pursuing it, and you're just about there.
Andre Laurent
Here's what typically happens after an amendment appears on your transcript: 1. First, you'll see code 971 (Notice Issued) - this means they're sending you a confirmation that your amendment was received 2. Then, you might see code 570 (Additional Account Action Pending) - this means they're reviewing your amendment 3. Next, look for code 571 (Resolved Additional Account Action) - this means they've completed their review 4. Finally, code 846 (Refund Issued) with a date - this is your direct deposit date The whole process usually takes 7-21 days from when the amendment first appears. Since you already have a tax advocate involved, it might be on the faster end of that timeline. I'd expect to see movement within the next week based on what you've described.
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Emily Jackson
Have you considered what might have triggered the need for an amendment in the first place? Was it perhaps an issue with how your investment income was reported? The reason I ask is that investment income reporting issues have been a common trigger for delays this tax season. Many brokerage firms issued corrected 1099-B forms in February and March, which created discrepancies with originally filed returns. If that's what happened in your case, you're actually ahead of the game by having filed the amendment already. Many taxpayers won't realize there's an issue until they receive a CP2000 notice months from now. Your proactive approach with the tax advocate likely saved you significant time in the long run.
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