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Based on the timeline you've shared, you should definitely qualify for TAS assistance now. Have you checked your tax transcript online to see if there are any specific transaction codes that might explain the delay? Sometimes amended returns get stuck because of identity verification issues or because they're selected for manual review. Also, when you call the IRS, are you speaking with representatives from the Amended Return department specifically? The general IRS helpline often can't provide detailed information about amended returns. Try calling 866-464-2050 which is more directly connected to amended return processing. What specific information have they provided about why your return is delayed?
Has anyone mentioned Form 911 (Request for Taxpayer Advocate Service Assistance)? I filed one on January 12, 2023 after my amended return from April 2022 was stuck for 9 months. My case was assigned to a local advocate on February 3, 2023, and my amended return was processed by March 17, 2023. The form requires you to document financial hardship though - are you experiencing any specific financial difficulties because of this delay?
My transcript showed February 12, 2025 as my DD date, but the money didn't hit my account until February 14, 2025 at 3:17am. I remember the exact time because I was checking constantly just like you. Sometimes there's just a delay between when the IRS sends it and when banks process it. It's frustrating but normal.
Last year I was in the exact same boat. DD date was April 15th, but nothing showed up that day. I called my bank and they said they didn't see anything pending. Called the IRS (took forever to get through) and they said it was sent. I was about to lose my mind when suddenly at 2AM the next day - BOOM - money was there. Sometimes these things just take an extra day, especially if your bank has a policy of holding government deposits. Have you tried calling your bank to see if they can see it pending?
I work at a credit union, and yes, we can definitely see pending ACH transfers including government deposits! We have a 24-hour visibility window before they post. The system shows exactly when they'll post too. If your bank says they can't see it, either it truly hasn't been sent yet OR they're just not checking the right system. Don't worry though - if your transcript shows the 846 code with that date, it's definitely coming!
When you called the IRS, did they tell you exactly when they sent it? I've heard some people say the IRS can give you the exact timestamp when the money was released, but others say they just confirm the date on your transcript. Just trying to understand what info I might get if I call them about my similar situation.
I think I might have some good news for you! I'm with SECU and my refund hit my account this morning around 2am. I had a DDD of 3/15 on my transcript. It might be worth checking your account again, as they sometimes process deposits in the middle of the night. My refund was actually a bit larger than expected too, maybe because of interest? Not complaining though, I really needed this money for some car repairs.
Have you tried calling SECU directly? Last year I was in the same boat, and it turned out SECU had actually received my deposit but was holding it for 24 hours for verification. Once I called, they released it immediately. Their fraud prevention sometimes flags large deposits, especially if they're unusual for your account history. Worth a try if you're in a hurry!
Just a heads up - if you're calling about an audit, be prepared with all your documents before the call. Have your letter in front of you (it has your case number), any tax returns they're questioning, and receipts/documentation for anything they're asking about. Makes the whole process go much smoother.
I had to deal with an audit last year and spent DAYS trying to reach someone at the IRS. I finally used https://taxr.ai to help me understand the notice I received and exactly what documents I needed to prepare. Then I used Claimyr to actually connect with an agent without the endless hold times. Combination of those two services saved me so much headache during a stressful situation.
Diego Castillo
I was in a similar situation with medical bills piling up. Spent days trying to understand my offset. Eventually used https://taxr.ai to analyze my tax transcript and it immediately showed the offset code and explained exactly which agency took the money. Saved me from calling the wrong departments. The transcript analysis pointed me directly to my state unemployment office instead of wasting time with the IRS. I'm still working through the hardship process, but at least I'm talking to the right people now.
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Logan Stewart
Just want to add - be careful about expectations with hardship claims. I filed one on January 17th this year and while it was eventually approved, the money took until March 2nd to actually arrive. The process varies dramatically by state. Some states like California have clear hardship guidelines while others make it nearly impossible. Document EVERYTHING and be prepared for multiple follow-ups. These agencies don't make it easy, but persistence pays off if you have legitimate hardship circumstances.
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