Have u checked ur actual bank acct? Sometimes $ hits there b4 SBTPG updates. Also, what time zone r u in? IRS usually processes in batches throughout the day EST.

There's another factor to consider here that many people overlook. If you had tax preparation fees taken out of your refund, SBTPG has to receive the full amount from the IRS, deduct their fees, and then forward the remainder to your bank. This adds another layer of processing time. Have you checked if your tax preparation included this option? And what bank do you use? Some banks hold deposits for 24 hours before making them available, especially for larger amounts. The combination of SBTPG processing plus bank holding periods can make it seem like there's a bigger delay than there actually is.

When I was stuck in this situation last year, I finally got tired of waiting and called the IRS. Spent three days trying to get through their phone system. Finally used Claimyr (https://claimyr.com) and got connected to an agent in about 15 minutes. The agent confirmed my return was fine and just in the verification queue. Got my deposit about a week later. Sometimes just talking to a human at the IRS can put your mind at ease or identify if there's an actual issue that needs addressing.

Check your transcript if you can access it online. It will show more detailed info than the WMR tool. If you see codes like 570/971, there might be a small issue they're reviewing. If you just see code 152, you're in normal processing.

Be careful with this situation. My brother had the same code, verified no offsets, and ignored it thinking it was a mistake. Six months later, still no refund, and turns out they were questioning some business expenses on his Schedule C. The letter had been sent to an old address. By the time he sorted it out, they had escalated it to an actual audit. Don't assume it'll just work itself out - be proactive once you get that letter.

I went through this exact situation in February. Tax topic 151, confirmed no offsets, total confusion. Turned out they just needed to verify my identity because I had moved to a new state mid-year. Used the ID verify tool on IRS.gov, and my refund was processed within 9 days after that. Much less dramatic than I expected! The system works, it's just not very transparent about what's happening.

Did you receive any email confirmation when your advance was denied? Did it specifically mention how the fees would be refunded? What date did you file and when was the advance officially denied?

What if I told you this happens every single year and is practically built into their business model? How many people give up after calling a few times and just write off the $39-89 in fees? Millions. Now multiply that by even a small percentage of filers who don't pursue refunds aggressively. It's a substantial amount of money they're holding onto for weeks or months. I've been preparing taxes professionally for 8 years and always advise clients against these advance products for this exact reason. The convenience rarely outweighs the headaches when anything goes wrong - and something goes wrong for about 15-20% of applicants based on what I've seen.

The transcript behavior you're describing is specifically related to the IRS Master File processing system. When your return moves between different processing stages, the transcript availability temporarily changes. The N/A status for 4 consecutive days may indicate your return has moved to the final verification stage before refund approval. This is typically a positive sign that processing is nearing completion rather than an indication of problems.

I remember my first time dealing with this last year - drove me absolutely crazy! I was checking WMR hourly and watching my transcript like it was a suspense movie. What I learned after three tax seasons of this: the IRS systems are incredibly old and don't talk to each other well. My transcript did the exact same dance - N/A, then star, then back to N/A for almost a week. Then suddenly everything appeared at once and my refund hit 3 days later. The waiting is the hardest part, but this pattern is actually pretty normal.