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I received my refund through NetSpend exactly 3 days ago after a similar situation. Filed on 2/10, accepted same day, had a 570 code for exactly 21 days, then got an 846 code with a 3/23 DDD. The deposit hit my account at precisely 9:17am on 3/23. The amount was $5,842 which was exactly what I expected. My divorce was finalized in November 2023, and this was also my first time filing with a changed status. The verification process seems to be taking 14-21 days for most people with status changes this year based on the 156 posts I've tracked on this forum.
Congrats on getting ur $$$! For anyone else waiting, here's another option to try: check ur transcript for TC 846 code (that's the refund issued code) instead of just relying on WMR. WMR only updates once a day but transcripts can update multiple times. Also, if ur using NetSpend, download their app and set up notifications - sometimes the app shows pending deposits b4 they actually post to ur account. And don't forget to check the tax prep fees section if u had fees taken out of ur refund - sometimes they take more than u expected which can explain why the amount looks off.
Looking at the bigger picture here - what we're seeing is the result of the IRS operating multiple systems that don't always communicate well with each other. The Advanced CTC payment system was set up separately from the main tax processing system, which is why you can receive one without the other being processed. Has anyone received any notices in the mail from the IRS? Sometimes they send letters explaining delays but the letters themselves get delayed. Would you mind sharing what your tax situation is like - did you claim any credits besides the CTC?
Have you checked your transcript online at IRS.gov/transcripts? According to the r/IRS community, many people find more detailed information there than WMR shows. If you see a TC 570 code, that typically indicates a hold on your account. What filing status did you use, and did you claim any other credits like EITC? These factors can significantly impact processing times.
I've been tracking refund timing for the past three tax seasons, and I'm definitely seeing faster processing this year. Last year my refund took 24 days with similar credits claimed. The year before that was during COVID backlog and took 47 days. This year? Just 11 days from acceptance to deposit. The IRS seems to have finally caught up on their backlog and improved their systems.
I filed on March 15, 2024, and got my refund on March 26, 2024 - just 11 days later! Also have 2 kids and claimed CTC. I was shocked because last year it took until May 12th to get my refund after filing in February. The IRS must have really streamlined their processes this year. I'm actually impressed for once!
Have you considered using the free fillable forms directly from the IRS? It's like doing your taxes on paper but electronically. If you're comfortable with the tax forms and calculations, this is completely free regardless of income or tax situation. It's not as user-friendly as TurboTax or H&R Block - more like filling out Excel spreadsheets than being guided through questions - but if you know what you're doing with taxes, it works just like filing paper forms but without the stamp.
Thank you for this suggestion! I just checked out the fillable forms and they seem doable. I've got exactly 14 days until the deadline but I think I can figure it out. Definitely better than paying $79.99 for something that was advertised as free!
Has anyone tried the IRS's Free File Fillable Forms? I was skeptical at first since I have 1099 income from three different clients, but it worked perfectly for me. You do need to know which forms to fill out (Schedule C, SE, etc.), but if you're comfortable with basic tax concepts, it's completely free no matter your income level. I've used it for the past three tax seasons without issues?
Giovanni Mancini
Have you checked the "Where's My Amended Return" tool on IRS.gov recently? According to the IRS.gov processing timelines page, they're currently showing processing times of 20+ weeks for amended returns filed in 2023. If you're beyond that window, did you receive any correspondence from the IRS requesting additional information? Sometimes amendments get stuck because they're waiting for a response that may have been lost in the mail.
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Fatima Al-Suwaidi
I had a similar situation with an amended 2020 return that took 13 months to process. Per Internal Revenue Manual 21.5.3.4.6.1, amended returns are generally processed in the order received, but certain conditions can cause delays. My 2021 and 2022 returns processed normally during this time. According to IRC ยง 6402(a), the IRS can only offset your refund against outstanding tax liabilities, not pending amendments. File your 2023 return as normal - it should process independently.
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