I would argue that services like Claimyr might actually be worth it in some cases, particularly if you've been trying unsuccessfully to reach the IRS for days. While it's true that patience might eventually get you through, if you're dealing with time-sensitive issues or potentially missing money, the cost could be justified. The IRS call centers are notoriously understaffed, especially during peak tax season, and their systems often disconnect callers when queues get too long. I've heard from several colleagues that using connection services saved them hours of frustration, though your mileage may vary depending on your specific situation.

Have you considered filing a complaint with the CFPB (Consumer Financial Protection Bureau) about SBTPG? I did this last year when they held my refund for over a week with no explanation. The CFPB complaint got their attention pretty quickly, and I had my money within 48 hours of filing it. You can submit a complaint at consumerfinance.gov/complaint. Make sure to include all relevant dates, your daughter's DDD, and mention that others with the same bank are receiving their refunds while hers is still being held.

Has anyone received a CP05 notice after getting this code? I'm trying to figure out if the 0805 code always results in a letter or if sometimes they just release the refund without sending anything?

Code 0805 specifically indicates a manual review flag within the Return Integrity & Compliance Services (RICS) division. It's part of the pre-refund compliance check program that expanded significantly for Tax Year 2023. The IRS uses predictive analytics to flag returns, not necessarily because you did anything wrong. Returns with Earned Income Credit, Child Tax Credit, or Education Credits are statistically more likely to receive this code. Average resolution time is 45 days from the date of the code's appearance.

Everyone's focusing on the transcript, but the real issue is the processing backlog at the IRS Kansas City center (if you're in the western or central regions). They're prioritizing returns with refundable credits first, then simple W-2 only returns, and finally the more complex returns with multiple schedules. The "no return filed" message is just a placeholder until your return reaches the transcript database - it doesn't mean there's a problem. The system is just overwhelmed... again. (Shocking, I know! 😂) Check transcript Tuesday/Friday mornings when they do mass updates - that's your best indicator.

I might be able to offer some insight here. My return was accepted on February 3rd, and my transcript finally updated yesterday. It seems like, possibly, they're processing in batches based on filing method and complexity. My return was relatively simple - just W-2 income and standard deduction. No dependents or credits. So perhaps they're working through the simpler returns first? Just a theory, of course, but it might explain why some of us are seeing movement while others aren't.

According to the SBTPG knowledge base (https://taxpayer.sbtpg.com/hbshared/faq), a trace number means the payment has been initiated but not necessarily completed. Your cousin should try logging into the SBTPG website directly - not through TurboTax or other tax software - and check the status there. The Wisely card also has its own portal separate from the card app that sometimes shows pending deposits earlier. Has he checked both places?

omg i had this EXACT prob w/ my wisely card last yr. sbtpg had the $$ for like 5 days after the trace # showed up. turns out they were waiting for some verification thing bc my address didn't match perfectly between IRS and what I gave wisely. had to call SBTPG directly (not the tax preparer) and confirm some details. got my $$ next day. ur cousin should def call SBTPG asap. their customer svc # is on their website. don't wait or it could take even longer.

Just checked my SBTPG account and can see they received my refund this morning. Status shows "Pending" with my Wells Fargo account info listed correctly. Last year my funds were available exactly 26 hours after they appeared in SBTPG. Has anyone found a way to track exactly when SBTPG initiates the transfer to Wells Fargo? Is there a specific status change we should be looking for?

There's an important distinction to make here - the DDD is when the IRS releases funds to SBTPG, not when SBTPG releases to your bank. Wells Fargo typically processes overnight ACH transfers in the early morning hours. I've had Wells Fargo for 7 years and they've never made funds available same-day as they receive them from intermediaries like SBTPG.