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Has anyone had experience with Pathways Bank's business accounts versus personal accounts? Do they process deposits differently? I'm wondering if having a business account might delay things or if they prioritize one type over another?
Word of caution: Pathways had a system glitch last tax season that was showing phantom pending deposits. Think of it like a mirage in the desert - you see water but it's not really there. Several customers (myself included) saw pending IRS deposits that later disappeared. The bank explained that their system was incorrectly flagging certain ACH identifier codes. If you see a pending deposit appear and then vanish, don't panic - call the bank directly and have them verify with their back-office processing department.
I had the exact same transcript access issue for 3 years straight. Filed on January 24th this year and couldn't access transcripts since 2021. Called the dedicated transcript hotline (different from the main IRS line) at 800-908-9946 exactly at 7:00am on a Tuesday, waited 42 minutes, and finally got it resolved. The agent explained that my account had a rare TC 971 action code with a -X freeze that was preventing transcript access but not affecting processing. Got my refund exactly 8 days after they fixed the transcript issue. Don't give up!
This tax season feels like being stuck in traffic with no GPS - you know you're on the right road, but have no idea when you'll arrive at your destination. I had a similar experience last year where I couldn't access transcripts and WMR was stuck. It turned out that my return was selected for a "silent audit" - they were verifying my education credits without telling me. The strange thing was, once I got through to an agent who could actually see what was happening, the issue was resolved within days. It's like the IRS is a massive library where only certain librarians know where specific books are shelved.
Did you claim any credits like the Earned Income Credit or Child Tax Credit? Those automatically get additional scrutiny and can add weeks to processing time. Also, if there were any discrepancies between what your employer reported and what you entered, that could trigger a delay.
When my return was stuck like this last month, I tried calling the IRS regular number for DAYS with no luck. Always got the "high call volume" message and disconnected. Finally used Claimyr.com to get through to an agent in about 15 minutes. The agent confirmed my return was just in normal processing with no issues flagged. Totally worth it to stop the anxiety of not knowing what was happening. Here's their link: https://youtu.be/_kiP6q8DX5c
I've been trying to call the IRS for the past week with no luck. How much does this Claimyr service cost? Might be worth it just to get some peace of mind at this point.
Did anyone have their return accepted but then have it disappear completely from WMR? Mine was accepted on 2/23 and showed the first bar for about a week, then suddenly nothing - just says "We cannot provide any information about your refund." Really freaking out!
Per IRS Publication 5192, the "We cannot provide any information" message occurs in several scenarios: (1) The system cannot match your identity verification information, (2) Your return is being processed in a different system than WMR checks, or (3) Your return has been selected for additional verification. This is not necessarily indicative of a problem with your return, but rather a limitation of the WMR system's integration with all IRS processing channels.
OMG I FEEL THIS SO MUCH! š© I was in the exact same boat last year and was pulling my hair out checking WMR every morning. What finally worked for me was checking my transcript instead of relying on WMR. The transcript updated a full week before WMR did! I got my refund exactly 28 days after filing even though WMR never showed more than one bar until after the money was already in my account. Hang in there - the system is frustrating but it does work eventually! šŖ
Zoe Papanikolaou
If you're really anxious about it and want definite answers, I'd recommend using Claimyr to get through to an IRS agent. I was in the same position last month and spent days trying to get through on the regular IRS number. Used Claimyr (https://youtu.be/_kiP6q8DX5c) and got connected in about 15 minutes. The agent confirmed my return was approved and gave me my exact deposit date. Worth every penny for the peace of mind.
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CosmicCruiser
ā¢omg thank you!! might try this if nothing changes by next week. the anxiety is killing me lol
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Jamal Wilson
The IRS systems are notoriously glitchy this time of year. I've seen WMR go from no bars to one bar to three bars then back to one bar all within a week, and still got my refund on time. As long as you're seeing some kind of movement, it's usually a good sign.
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