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This situation is actually more common than you'd think. Unlike the old stimulus payments, the current CTC system handles new dependents differently than existing ones. When I worked at a tax prep office, we saw this exact scenario dozens of times - direct deposit for established dependents, paper checks for newly added ones. The IRS does this as an anti-fraud measure. What's concerning is that if your ex incorrectly received the first payment, you might need to address that separately. The current payment likely only addresses your 2023 child, not correcting the misdirected payment for your older child.
Interesting anti-fraud measure! Makes sense when you think about it - harder to scam with paper checks that go to verified addresses. Kind of like how banks handle suspicious transactions by making you jump through extra hoops. ๐ต๏ธโโ๏ธ
This happened to me exactly as described. I received $2,000 via direct deposit for my older child on March 24th, and then a paper check for exactly $1,500 for my new baby arrived April 2nd. The mail took exactly 5 business days from the scheduled mailing date. I was worried about the split payment too, but it all worked out correctly to the penny.
Filed February 1st. Got refund February 12th. No delays here. Used direct deposit. Kept return simple. No unusual credits. No schedule C. No rental income. Basic W-2 only. System works fine for uncomplicated returns. Media loves panic stories. Reality is more boring.
The IRS processing system operates on a multi-track basis, with different processing pipelines for different return types. Standard W-2 returns with no credits typically process in 7-14 days. Returns with refundable credits like EITC must wait at least until mid-February per the PATH Act and typically take 21-30 days. Returns with Schedule C, E, or F (business, rental, farm income) generally take 30-45 days. Returns flagged for manual review can take 60-120 days. This isn't new for 2024 - it's been this way for years. The confusion comes from people comparing their situation to others without understanding these different tracks.
This is similar to how construction permits work with lenders - they need official verification, not just proof of submission. For mortgage purposes, think of IRS amendments like this: submitting is step 1, but processing is step 2, and lenders almost always need step 2 completed. Unlike regular tax returns where e-file confirmation is often sufficient, amendments are treated with much more scrutiny by underwriters. If your timeline is tight, you might consider asking the lender if they'll accept a conditional approval with a post-closing condition related to the amendment, which is similar to how they handle other documentation sometimes. Every lender has different risk tolerance levels though, so what worked for one person might not work for another.
You might possibly be able to use Form 9946 (IVES Request for Transcript of Tax Return) which could, in some circumstances, provide verification that might satisfy certain lenders. This form essentially allows a third party (usually your lender) to request your transcript directly. The benefit is that the transcript would potentially show the "received date" of your amendment, even if it hasn't been fully processed yet. I'd recommend asking your loan officer if they're familiar with this option, as it's somewhat less commonly used but could potentially resolve your situation without waiting for full processing.
I was in a similar situation last year and found an effective alternative to hiring an attorney. I contacted my Congressional representative's office and explained the situation. They have caseworkers specifically for helping constituents with federal agencies like the IRS. I filled out a privacy release form, and within 3 weeks, they had gotten a response from the IRS about my amended return. It didn't immediately resolve everything, but it got my return assigned to an actual person who I could follow up with directly. And it didn't cost me anything!
How do you find the right person to contact at your representative's office? Is there a specific title or department I should ask for?
I worked for a tax resolution firm for 5 yrs. Here's what actually happens with amended returns: They sit in batches until an examiner has time to review them. The "30 day" response is literally a script they're required to say when no updates exist. For military families, there's a special IRS Military Tax Consultant line at 1-866-562-5227 that can sometimes help expedite. Before paying an attorney $250+/hr, try this free resource first. Tbh, most attys just call this same number anyway and charge you for it.
Jamal Anderson
This is typically a Taxpayer Authentication Failure in the WMR interface, not necessarily an issue with your actual return processing. The IRS uses a multi-stage verification algorithm that sometimes gets disrupted during database updates. Try these technical workarounds: 1. Clear your browser cache if using the website version 2. Uninstall and reinstall the app if using mobile 3. Try accessing WMR during off-peak hours (early morning) 4. Use your AGI from line 11 on Form 1040 instead of the refund amount 5. Request an account transcript which will show the actual status regardless of WMR functionality In approximately 60% of cases, this resolves within 72 hours without any action needed.
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Amara Eze
โขWould this apply even if I'm getting the error on the phone system too? I tried calling the automated refund hotline and got the same information doesn't match message.
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Giovanni Ricci
โขPer IRM 21.4.1.3, the WMR application pulls data from the CADE 2 and MeF systems with refresh cycles that can lag by 24-72 hours. Have you verified that you're using the primary taxpayer's SSN if this was a jointly filed return from your previous marriage? According to Reg. ยง301.6109-1(a)(1)(ii)(B), you must use the SSN of the primary taxpayer listed first on the return.
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NeonNomad
According to the IRS website (https://www.irs.gov/refunds/tax-season-refund-frequently-asked-questions), this error can happen for several reasons: 1. Information entered doesn't match their records 2. You've checked too many times in a 24-hour period 3. Your return is still being processed 4. There's a system update in progress I'm seeing a lot of posts about this on other forums too. Can anyone confirm if checking too frequently actually causes this error? I've been checking mine daily and wonder if I should stop.
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