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.

Did you use a tax preparer who took their fees out of your refund? I'm asking because this creates an extra step in the process. Your refund first goes to a temporary account where the preparer's fees are deducted, then the remainder is sent to you. This typically adds 1-2 days to the timeline. I had a 3/12 DDD and just got mine this morning, so yours is likely right around the corner, wouldn't you agree?

Omg don't do what I did last yr! Had a similar DDD, freaked out after 2 days, called IRS and spent 4hrs on hold only to find out everything was fine. Then got my $$ literally while on the phone w/them 🤦‍♀️ The WMR tool isn't always accurate but your transcript usually is. If transcript shows refund issued, it's def coming. Banks r slow AF processing these batches esp in tax szn. Hang tight!

I'm really skeptical about this 20-week timeline. Last year my friend had an amended return and got it back in 8 weeks. Then I read online about people waiting 40+ weeks. The IRS seems completely inconsistent with their processing times. I think it depends on which service center gets your return and how complex the amendment is. Has anyone actually gotten an amended return processed quickly in 2024?

Have you considered whether this might qualify as a preparer error that warrants special handling? The IRS does have procedures for tax professional mistakes, although they're rarely publicized. Have you spoken directly with your tax preparer about this error? They should be advocating on your behalf with the IRS, especially since this was their mistake. Would it be possible to have them write a formal letter explaining the error to accompany a hardship request? In my experience, documentation from the preparer admitting the error can sometimes help expedite these situations, particularly if you can demonstrate financial need for the refund by May.

Based on the current processing times, amended returns are taking approximately 20 weeks (140 days) to process. You filed in June 2024, so you're at about 18-19 weeks now. You're very close to the expected completion timeframe. For reference, I filed an amended return on March 3rd and received processing confirmation on August 12th - exactly 162 days later. Your 2023 amended return should be completed before the 2024 filing season opens on January 23, 2025, so there shouldn't be any timing conflicts.

Omg I'm going through EXACTLY this right now and it's so frustrating! 😫 I think you should consider filing your 2024 taxes electronically as early as possible when the season opens. This way if there are any complications, you'll have more time to resolve them before the deadline. I've learned that paper-filed or amended returns create so many more headaches than e-filed returns. The electronic system processes much faster and has fewer errors. I'm DEFINITELY e-filing everything from now on after my amended return nightmare!