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I had this exact situation on April 2nd this year. SBTPG only showed the post-offset amount. The Treasury takes their portion before SBTPG gets anything. If you're expecting a refund and worried about an offset, you can call the Treasury Offset Program directly at 800-304-3107 to check if you have any outstanding debts subject to offset. I called on March 28th and they told me exactly what was going to be taken before I even got my refund.
Be careful with this. SBTPG might show a reduced amount, but not tell you why. I had this happen. Thought it was fees. It wasn't. It was offset for old student loan. By the time I figured it out, planning was difficult. Should have checked transcript first. Would have seen code 898. Always check transcript before assuming amounts are correct.
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I've been filing taxes for 12 years and this has happened to me twice. Both times it was because of a simple mismatch that the IRS computer system flagged. First time was because my employer had a different address on my W-2 than what I used on my return. Second time was because I had gotten married and my name change hadn't fully processed in their system. Did you have any life changes this year?
You know what's funny about tax season? Everyone thinks their return is lost when it's delayed, but the IRS actually processes over 96% of returns without any issues. Have you tried checking your account on IRS.gov instead of just WMR? Sometimes that shows different information. And remember - no news is usually good news with the IRS. If there was a serious problem, they'd send you a letter.
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Did you have any fees taken out of your refund? I'm asking because I filed exactly 32 days ago with H&R Block and also chose the refund advance option. My transcript shows a DDD of 2/28, but I'm trying to figure out if I'll get it early like you did.
Do you know if having the advance affects whether you get it early? I've heard some banks don't release early when there's a third-party processor involved.
The advance doesn't typically affect early release - it's more about your bank's policies. Wells Fargo, Chase, and Credit Karma are known for releasing funds as soon as they receive them, while Bank of America and most credit unions hold until the official date.
OMG THANK YOU for posting this!!! 😭 I have the EXACT same situation (H&R Block, same DDD, all credits) but with Chase bank instead. Just checked my account after seeing your post and IT'S THERE!!! Would have never checked until tomorrow if I hadn't seen this! This community seriously saves my sanity every tax season! 🙏
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Watch out for the fake update trap! My transcripts showed N/A for 2 weeks after verification, then briefly updated showing a refund date, then went BACK to N/A for another week! The IRS2Go app kept showing different statuses than the website. According to the IRS website (https://www.irs.gov/refunds/tax-season-refund-frequently-asked-questions) it can take up to 9 weeks after verification for some returns. I'm on week 4 now and desperately need this money for rent due on the 1st!
Have you checked your account transcript instead of just the return transcript? Sometimes the account transcript will show processing codes even when the return transcript is still blank. Look for TC 570/971 codes which indicate they're reviewing something. Also, did you get any indication of why they needed verification in the first place? That can sometimes hint at what might be causing delays.
Chloe Martin
I've been using TurboTax for 15 years now, and I learned the hard way about having fees taken from the refund. Last year I filed on February 20th and chose fees from refund. My neighbors filed the same day but paid upfront. They got their refund on March 2nd, while mine took until March 10th! This year I bit the bullet and paid the $89 upfront with my credit card. Got my refund in 11 days flat. The community wisdom here is pretty clear - if you need your refund ASAP, never choose the fees-from-refund option.
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Diego Fernández
My sister filed on 2/26, one day after you, with TurboTax and fees taken from refund. She just got her deposit yesterday. So... you might want to check your bank account or the TurboTax refund tracker soon. The temporary bank accounts they use seem to process in batches, not strictly in the order received from the IRS.
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