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After completing ID verification on February 7th, I received my refund on March 12th (33 days). According to Internal Revenue Manual section 21.5.6.4.7, the normal processing timeframe after identity verification is 9 weeks, but many returns are processed faster. For those experiencing student loan offsets despite forbearance, you have rights under the Treasury Offset Program (31 CFR Part 285). If your loans were in an eligible forbearance status, you can request a refund by contacting both your loan servicer AND the Treasury Offset Program directly at 1-800-304-3107. The Department of Education issued guidance that loans in COVID-related administrative forbearance should not be subject to offset, but implementation has been inconsistent.
I had my identity verified back in January. Took exactly 6 weeks and 2 days to get my refund after verification. Did you have to verify in person or online? The online process seems to go faster from what I've seen. About the student loan situation - my refund was offset despite my loans being in forbearance. I called my loan servicer and they admitted it was a mistake on their end. They hadn't properly updated my status in the Treasury Offset Program database. Did you receive a notice before filing that your refund might be offset? You should get a notice at least 65 days before they can take your refund.
The Post-Verification Processing Protocol typically completes within 9 business days for standard returns. I verified on February 18th and received my refund exactly 8 business days later. The system follows a sequential verification validation where your information transitions through three distinct processing queues: identity confirmation, return validation, and refund authorization. Your early deposit feature will function normally once the 846 code appears on your transcript, as this indicates the Treasury has scheduled the ACH transfer to your financial institution.
I've gone through in-person verification three years in a row now. In 2022, it took 14 days from verification to deposit. In 2023, it was 9 days. This year (2024), I verified on February 28th and had my refund by March 6th - only 7 days. The early deposit feature with your bank should work fine - I've used similar services with Bank of America and Capital One in previous years. The refund appears as soon as the ACH notification hits your bank, regardless of the official deposit date.
I verified on April 9th and received my refund on April 25th! I had submitted all my documentation on April 10th and got a confirmation email on April 12th. Then on April 21st my transcript updated with an 846 code, and exactly 4 days later the money was in my account. The wait was so stressful because I needed it for my rent due on May 1st.
Has anyone here been through both ID verification and income verification? I'm trying to understand if what you're experiencing is similar to my situation last year where I had to verify both, which took substantially longer than just ID verification alone. In my previous experience, ID verification alone took about 2 weeks while the combined process stretched to nearly 5 weeks.
The WMR tool is notoriously unreliable during peak filing season. Here's what's likely happening: 1. Your return was accepted into the IRS system initially 2. It moved into a different processing queue 3. The WMR database temporarily lost connection to your return data 4. The system shows "information doesn't match" as a default error This happens to thousands of people every year. It's frustrating but usually not a sign of problems with your actual return. The IRS has multiple internal systems that don't always communicate well with each other. Most returns with this issue still process normally and refunds arrive on time. Just keep checking every few days.
OMG this EXACT thing happened to me last week!!! š” I was tracking my refund just fine for about 10 days and then suddenly "information doesn't match" errors! I was freaking out thinking they lost my return or something. I researched extensively and found that the WMR tool has significant technical limitations - it can only handle a certain number of queries before starting to give errors, especially during peak filing season. I waited 4 more days without checking, then tried again with the EXACT same information and it suddenly worked again! My return had progressed to the second bar by then. Sometimes the system just needs a break from being checked too frequently. Try waiting 3-4 days before checking again.
Jessica Suarez
I think we should be careful about setting expectations here... there might be more to this situation than we realize. While waivers are certainly possible, they're not guaranteed, and the process is, well, not always straightforward. The relationship between state unemployment agencies and the Treasury Offset Program is complicated at best. In my experience, successful cases typically involve persistent follow-up with both agencies. It's not enough to just submit the waiver and wait. You might need to regularly check if the state has actually communicated the waiver approval to the federal system. And there could be additional factors in your specific case that might affect the timeline or outcome.
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Marcus Williams
I was in this exact same boat after my divorce last year! My ex had somehow claimed unemployment under my information (long story) and I got hit with an overpayment offset. Let me tell you, it was a rollercoaster. I submitted my waiver in February 2023, got approved in April, but didn't see my money until JULY! The most frustrating part was that nobody could tell me where in the process things were stuck. The state said "we approved it" and the IRS said "we haven't been notified" and I was caught in the middle. What finally worked was calling my state representative's office - they have caseworkers who can cut through the red tape. Within two weeks of their involvement, my refund suddenly appeared in my account. Don't be afraid to escalate if you're getting nowhere!
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