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Be careful with SBBT. I had a similar situation where my transcript zeroed out and it took exactly 9 days to resolve. The issue was that my bank rejected the initial deposit due to a name mismatch (married name vs maiden name). SBBT had to reprocess everything. If you don't see movement in 3-4 days, I'd recommend calling SBBT directly at their customer service line rather than the IRS. The IRS won't have visibility into SBBT's processing status once they've sent the money to SBBT.
Think of your tax refund like a package being shipped. It's left the IRS warehouse (funded status) and is now on the SBBT delivery truck (unfunded with zeros). The tracking system sometimes loses visibility during the handoff, but the package is still moving. You might want to check if you have the SBBT app - it sometimes shows more current status than the IRS transcript does. Also, check your bank account directly rather than relying on the transcript status.
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I've been tracking WMR patterns since January 29th, 2024, and there's no consistent update schedule this tax season. Some people see updates on Tuesday nights, others on Friday mornings. I checked with a friend who filed on February 21st and her WMR updated on March 12th at 3:45am. Another friend who filed February 18th is still waiting with no updates as of March 25th. I'm concerned the IRS might be experiencing system delays that they're not publicly acknowledging.
Isn't it fascinating how much collective knowledge we have here about WMR patterns? The official IRS stance is that WMR updates once daily, but we all know it's more nuanced than that. I've seen returns update within hours of filing during off-peak times, while others take days despite being identical in complexity. The system clearly prioritizes certain return types and processing centers over others, regardless of what they officially state.
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According to Internal Revenue Manual 21.5.6.4.7, the 570 freeze code temporarily prevents credit or refund processing while the 971 indicates that correspondence has been issued. Per IRM 5.19.9.2.3, daily cycle accounts typically update overnight, with transaction codes posting within 24-48 hours of processing. The specific notice you'll receive is likely a CP05, requesting verification of income, withholding, or credits claimed. This is standard procedure under the PATH Act provisions codified in IRC §6402(m) which mandates additional verification for certain refundable credits.
I'm not entirely convinced this is just routine. My accountant warned me that these particular code combinations with this timing often indicate a manual review. Last year it took 11 weeks from the 971 date to get my refund, despite everyone saying it would be 2-3 weeks.
My 570/971 appeared on February 8th and February 15th respectively. I received a CP05 notice dated February 15th that arrived on February 24th. My transcript updated with code 571 (freeze released) on March 12th and code 846 (refund issued) on March 14th with a direct deposit date of March 19th. The entire process took 39 days from filing to refund.
Just went through this exact scenario. TC570 dated 02/19/2024, TC971 dated 02/26/2024. I'm on daily processing cycle 20241105. My transcript updated overnight between 03/11/2024-03/12/2024 with TC571 (freeze release) and TC846 (refund issued) with DDD of 03/14/2024. The hold was due to income verification under PATH Act protocols. No correspondence was required in my case - system verification was completed automatically. Total processing time was 26 days from acceptance to deposit.
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You might want to try the Taxpayer Advocate Service if you're experiencing financial hardship because of this delay. I'm not completely sure they can help with verification issues specifically, but they might be able to expedite the process if you're facing eviction, utility shutoffs, or other urgent financial needs. Their number is 877-777-4778, but prepare documentation of your hardship before calling - they're overwhelmed right now with the tax season ending soon.
This happened to me last year but with an even longer delay. Filed in February, stuck until MAY! Compared to my previous years when I got my refund within 2 weeks, it was maddening. Turned out I needed to verify my identity, but unlike most people who get letters, mine never came. The frustration you're feeling is completely valid - I remember checking WMR obsessively every morning at 3am hoping for a change. Hang in there!
Anastasia Romanov
Have you received any letters from the IRS? Sometimes they send notices requesting more information. Did you claim any credits? Those can delay processing. Are you checking WMR or just Netspend?
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StellarSurfer
Based on what I've seen across multiple tax seasons, we're definitely experiencing longer processing times this year. In 2019, I received my refund in 6 days. In 2020, it took 9 days. Last year was about 12 days. This year, I filed on 2/15 and didn't receive my refund until 3/12 - nearly a month! The IRS is clearly struggling with volume and enhanced verification. If you don't see movement by the 30-day mark, that's when I'd start being more proactive about contacting them directly.
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