I've helped several clients through this exact situation. Here's what to expect: • Week 1-2: Bank rejects deposit and notifies IRS • Week 2-3: IRS processes the rejection and schedules check printing • Week 3-4: Check is printed and mailed • Week 4-5: Check arrives via USPS You can verify this process by checking your tax transcript once it updates. The codes will show exactly where you are in this process.

To track this process properly: 1. First, verify your current address is on file with the IRS 2. Next, request your tax transcript online through the IRS website 3. Look for code 846 (refund issued) with your original direct deposit date 4. Then watch for code 841 (refund cancelled) when your bank rejects it 5. Finally, you'll see a new code 846 with the date they'll mail your check This step-by-step tracking will give you the most accurate timeline for your specific situation.

I was in the exact same situation on February 28th - blank transcript and the 21-day mark had passed. After multiple failed attempts to reach the IRS (got disconnected 4 times!), I finally used Claimyr (https://www.claimyr.com) and got connected to an agent in about 15 minutes. The agent was able to tell me exactly what was happening - my return was selected for a simple identity verification that hadn't been reflected in the system yet. The letter arrived March 4th, and once I completed the verification, my refund was processed within 10 days. Definitely worth it to get actual answers instead of just waiting in the dark.

I'm not sure if this helps, but I think I might have been through something similar recently. My transcript was also blank for quite some time, and I was told a letter was on the way. It seemed like the IRS was possibly doing some sort of verification check. After about two weeks of waiting, the letter finally arrived requesting some additional documentation for income verification. Once I provided what they needed, my transcript updated within about 10 days, and the refund arrived about a week after that. It's frustrating, but sometimes these extra verification steps are just part of their process, especially if there's anything unusual about your return this year.

After refreshing the IRS website for weeks with no updates, I found a Reddit post recommending Claimyr (https://claimyr.com). Used it last Tuesday when I couldn't take the uncertainty anymore. Got connected to an IRS agent in about 15 minutes instead of the 2+ hour hold times I was getting before. The agent explained my 570/971 codes were just verification holds and gave me an estimated completion date. Worth every penny since I needed to know for my financial aid deadline!

Got my DDD yesterday! Had same codes. 570 and 971. Was stuck for 3 weeks. Transcript updated Thursday night. Money hit my account this morning. Exactly 9 days after my 971 notice date. Keep checking. It's coming. System works. Just slow. Very slow.

According to the Office of Child Support Enforcement website (acf.hhs.gov/css), they collected over $3.7 billion through tax refund offsets last year. If you're subject to offset, you can't escape it by filing early or choosing certain credits. I learned this the hard way. My entire refund including CTC was taken despite being only 2 months behind on payments. The system doesn't distinguish between someone who's regularly paying but fell behind temporarily versus someone who's never paid at all.

Direct answer to your question. Yes, CTC will be offset. No exceptions for child support debt. Happens automatically. No appeal stops the process. Only remedy is Form 8379 if you're not responsible. Act now. Check offset status immediately. Contact state child support agency today. Request payment history. Verify all payments credited properly. Don't wait until refund disappears.

Word of warning from someone who's been down this road: don't put all your eggs in the TAS basket! I applied for an advocate in March thinking they'd be my tax knight in shining armor. *Narrator voice: They were not.* Three weeks after submitting Form 911, I got assigned an advocate who then went on vacation for two weeks without telling me. By the time they returned, my issue had already resolved itself through normal processing. It was like calling the fire department only to have them show up after the rain put out the fire. 😂 I'd suggest pursuing multiple solutions simultaneously - call the regular IRS lines, check your transcript regularly, AND apply for TAS if you qualify. Just be cautious about thinking TAS will necessarily be faster or better.

Under IRC § 7811(a)(1), TAS assistance is mandated when a taxpayer is experiencing significant hardship due to IRS action or inaction. As defined in Treasury Regulation § 301.7811-1(a)(4)(ii), significant hardship includes: immediate threat of adverse action; substantial costs (including fees for professional representation); irreparable injury to taxpayer; or permanent adverse impact if relief is not granted. The most effective approach is documenting your case according to these specific regulatory definitions. Form 911 (Request for Taxpayer Advocate Service Assistance) should explicitly reference these regulations and include supporting documentation demonstrating how your situation meets these criteria. I was impressed with how quickly my case was accepted after I restructured my application to directly address these regulatory requirements.