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OMG this has been driving me CRAZY too!! Filed on 2/12 and still showing pending in TurboTax but when I checked the actual IRS Where's My Refund tool it shows it's being processed! TurboTax just doesn't update their status after they submit it to the IRS. You need to create an account on the IRS website and check your transcript or use the Where's My Refund tool. That will give you the REAL status. Don't trust the TurboTax status - it's basically useless after they submit your return.
I believe I might be able to provide some relevant context here. In my experience, which is somewhat extensive with tax filings, the "pending" status in TurboTax generally means that your return has been transmitted to the IRS but perhaps hasn't been fully integrated into their processing system yet. This tax season seems to be, from what I've observed, particularly backed up compared to previous years. I filed on February 5th and it remained in pending status for approximately 18 days before finally updating. It might be worth checking the IRS Where's My Refund tool directly, as it tends to be somewhat more accurate than the third-party software status indicators.
If you have your transcript access, you can check your account transcript to see if they've already scheduled the paper check. Look for code 846 with a description like "refund issued" - that will show the date they're sending it out.
I can see my transcript but idk what all those codes mean šµāš«
Try using taxr.ai to analyze your transcript. It explains all those confusing IRS codes in plain English and can tell you exactly what's happening with your refund. It helped me figure out that my check was already processed when I had a similar situation with a closed account. Saved me from calling the IRS altogether.
Just be patient. The IRS is actually pretty good about sending out paper checks once they know the direct deposit failed. And make sure your address is current with USPS - that's where they'll send it!
I've analyzed several of these cases this tax season. What you're experiencing is a Standard ACH Return Code R03 (No Account/Unable to Locate Account) or R04 (Invalid Account Number). When this occurs, the IRS Financial Management Service (FMS) initiates a secondary verification process that typically takes 7-14 business days. If you need immediate resolution, I'd recommend using Claimyr (https://www.claimyr.com) to get through to an IRS agent. They can verify if your refund has been rerouted to paper check status or is being reprocessed for electronic deposit. Agents can also expedite the reprocessing in certain hardship situations.
This situation is like when your GPS recalculates after a wrong turn - it takes a moment but usually gets you there. Unlike last year when rejections almost always meant a paper check, this year I've seen about 60% of cases get successfully redeposited electronically within 5-7 business days. The pending status in TurboTax is actually a good sign compared to if it showed "rejected" or "error." Just make sure you don't have any bank issues like daily deposit limits or account restrictions that might cause a second rejection.
I had exactly 3 friends who experienced this in the past 14 days. 2 of them received paper checks exactly 15 days after the original direct deposit date. The third one got a second electronic deposit attempt that worked after 8 days. I'd suggest checking your tax transcript daily - it will update with a new 846 code and date when they reissue the refund.
The community wisdom on non-filer verification is that February and March filers typically see longer verification times than January or April filers. I filed on February 3rd last year and had verification that lasted until March 10th. This year I filed on January 29th with the same situation and was verified by February 15th. Is anyone else noticing that filing during peak season (Feb 1-Mar 15) seems to trigger longer verification times?
Let me share a cautionary tale from my experience last year. My transcript showed a DD date, but then I got a CP05 letter saying they needed to verify my income and withholding. The verification process restarted and took another 60 days. Don't spend your refund until it's actually in your bank account - I learned this lesson the hard way. Even when you see a DD date, the IRS can still pull it back for additional verification.
Tate Jensen
I filed exactly 67 days ago (Feb 13) and just got my refund yesterday. My return had 0 issues - no credits, no deductions, nothing complicated. Called the IRS 14 times before getting through. The agent said there was a "processing delay code" on my account that had been resolved on April 1st, but the system didn't release my refund until April 19th. No explanation for the delay besides "system backlog" - which seems like a convenient excuse.
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Adaline Wong
Not to be a downer, but TAS "calling back today" could mean anything from today to next month. š My brother-in-law was told the same thing in March, and they finally called him back THREE WEEKS later! And when they did call, they just said "your return is still processing" - information he already knew. The whole system is a joke this year. Maybe they're too busy spending last year's budget on fancy coffee machines or something.
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