I had this exact issue with my 2023 refund. Called the IRS after waiting 42 days from filing (direct deposit selected). The agent told me there was no trace number needed from me - they generated one during the call. The trace revealed my bank had rejected the deposit due to an account number typo. The entire process took 9 weeks from initiating the trace until I received a paper check in the mail. Make sure you have your exact refund amount, filing date, and filing status ready when you call.

Be very careful with this situation. My cousin had a similar issue last year where his refund showed as sent but never arrived. He waited too long to start the trace (over 90 days) and ran into major headaches. The IRS claimed it was delivered and put the burden of proof on him. Compared to my experience where I filed the trace at exactly 6 weeks, his took 5 months to resolve and required multiple calls. Don't delay - if your bank confirms nothing was received and it's been over 5 weeks for direct deposit, call immediately to start the trace.

I was worried about spending money on a service too, but honestly, it saved me so much stress! The time I would have spent on hold is worth way more than what they charge. Plus, finding out early that my refund had an issue meant I could adjust my budget immediately rather than waiting weeks for a letter in the mail. When you're counting on that refund money for bills, knowing exactly what's happening is priceless. The peace of mind alone was worth it for me.

FYI - if ur DD date was 2/26 & still nothing, check transcript for TC 971 code. Sometimes they flip from DD to check w/o telling u. Also, many banks (esp Wells & BofA) holding tax refunds for 5-7 biz days this yr due to fraud concerns. TT batches usually hit accts by EOD on DD date but can take up to 5 biz days to clear banking system. Def call ur bank first, then IRS if needed.

Check your account name. Check your routing number. Verify your account number. I had issues last year. Simple typo. Cost me three weeks delay. Cash App works fine otherwise. IRS doesn't notify you of errors. You have to catch them yourself. Double-check everything.

The IRS deposit system is fascinating when you understand how it works. They send out batches of deposits 3-5 business days before the official DDD, and then it's up to the financial institutions to hold them until the proper date. Some banks (looking at you, Cash App and Chime 😉) release the funds as soon as they receive them, which is why people sometimes get "early" deposits. If your DDD is today and it hasn't arrived yet, don't panic - the standard processing window runs until 5pm, with some stragglers coming through as late as midnight.

My transcript showed March 27th for my refund date, but I actually received it on March 25th. It seems the date on the transcript is more of a deadline than an exact date, doesn't it? I was a bit worried when I first saw the date since I needed the funds for an unexpected car repair, but was pleasantly surprised when it arrived early. I've noticed over the years that my refunds typically arrive 2-3 days before the date shown on my transcript. The 14-day difference you saw with stimulus payments was likely due to different processing procedures for those special payments.

The community consensus based on hundreds of posts here is: Step 1: The 846 date on transcript is the GUARANTEED date (not exact deposit date) Step 2: Direct deposits typically arrive 1-5 business days BEFORE this date Step 3: Check your bank's policy on Treasury deposits (some show pending, others don't) Step 4: If not received by the day AFTER your transcript date, then: - Verify your direct deposit info is correct - Check if your bank rejected the deposit - Contact the IRS (expect long wait times) Urgent note: If you don't see it by April 16th, call the IRS immediately as this could indicate a problem with your banking information or a rejected deposit!

Has anyone tried using the IRS appointment scheduling system? I'm wondering if: • It's faster than calling the general number • You can discuss multiple issues during one appointment • They're doing virtual appointments or in-person only • Local offices have better direct numbers than the national line I'm skeptical that any of these "shortcuts" actually work during peak season, but curious if anyone has recent experience.

According to Internal Revenue Manual 21.1.1.3, the IRS Level of Service goal is to answer 85% of calls. However, during the 2023 filing season, GAO reports indicated actual answer rates were closer to 29%. I successfully reached an agent last week by calling the Practitioner Priority Line (866-860-4259) and explaining that my issue was time-sensitive. While this line is technically for tax professionals, I found that being polite and having all my information ready (including my previous year's AGI and filing status) resulted in assistance rather than being redirected.