Per IRS Publication 5027 and the NACHA Operating Rules governing ACH transfers, SBTPG is required to initiate the transfer of funds within 24 hours of receipt from the IRS. However, they frequently utilize the exception clause allowing for "reasonable delay for processing verification" (Section 3.2.1.4). You need to contact them IMMEDIATELY as we're approaching the 5-business-day threshold when you can file a formal complaint with the CFPB. Document all communication attempts and responses. Time is of the essence!

I went through the exact same SBTPG nightmare last month! 😂 Called them every day for a week straight. The funny thing is, the day after I threatened to file a CFPB complaint, my money magically appeared in my account. Coincidence? I think not! Seriously though, their system showed my funds as "processing" for 6 days after my DDD. I documented everything meticulously - dates, times, representative names. When I finally got a supervisor on the phone, they admitted they had a processing backlog but expedited my transfer once I explained my situation. Patience and persistence are key here.

Word of warning from someone who's been there - don't wait for the IRS letter method to work before taking action. 😅 I sent a letter similar to what you're planning and waited... and waited... and waited. Six months later, I got a form response suggesting I file Form 4852. By then, I was dealing with failure-to-file penalties that took another three months to get removed. The IRS mail system is... how do I put this nicely... not exactly known for its speed. File that extension ASAP while you work on getting the actual information!

Based on collective experience from this sub, your most efficient path forward is: 1. Request your Wage and Income Transcript from irs.gov/transcripts 2. File Form 4852 using data from your last paystub or transcript 3. Submit Form 3949-A to report the employer's failure to provide W-2 4. File Form 4868 for an extension if needed The consensus here is that waiting for employer compliance rarely works if they've already missed the deadline by this much. The IRS actually has your wage data in their system already - employers submit this information separately from sending you your copy. Your focus should be on accessing that information rather than waiting for an uncooperative employer.

Ppl w/ kids def getting delayed this yr. EITC/CTC takes forever bc of PATH act. IMO check transcripts not WMR, WMR is useless rn. Most of us who filed end of Jan w/ kids are stuck in same boat. Transcripts will show codes like 570/971 if there's issues. N/A transcript means they haven't even looked at ur return yet. Hang in there, prob another week or two.

I would suggest not checking WMR too frequently. Last year I checked multiple times daily and it actually triggered a temporary security lock on my account. The system sometimes flags repeated logins as suspicious activity. My sister-in-law had her return delayed an additional three weeks because of this, and she had to verify her identity before processing continued. It's better to check perhaps once every few days, preferably in the morning after overnight updates.

The IRS is like a black box this time of year - information goes in but nothing comes out until they're good and ready. It's like waiting for a bus in the rain with no schedule. I'm in a similar situation but filed February 1st. Called twice and got different answers each time. The community wisdom seems to be that early filers are actually waiting longer than mid-season filers this year, which makes absolutely no sense.

You need to request your Account Transcript ASAP! The Transaction Codes will tell you exactly what's happening. Look specifically for TC 150 (return processed), TC 806 (refund amount), and TC 846 (refund issued). If you see a TC 570 (additional account action pending) or TC 971 (notice issued), that would explain the delay. PATH Act processing should be complete by now, so there might be another verification happening that the phone representative didn't have visibility into.

You might want to check if you're hitting the AGI thresholds. The CTC starts phasing out at $200k for single and $400k for married filing jointly. A lot of people miss this detail... ask me how I know 😅. If your amended return pushed you over one of these thresholds, that could explain the reduction. Worth checking your AGI on line 11 of your 1040 to confirm.

I went through this exact situation last month with my amended return. The CTC was short by about $1,200 for my two kids. After calling the IRS (took 3 attempts), I discovered that when you file an amended return, sometimes the system doesn't properly apply all the qualifying child information from the amendment. In my case, they had to manually review my return and issue a supplemental payment. It took about 3 weeks after the call, but I eventually got the full amount I was entitled to.