I analyzed this issue after experiencing it multiple times. Here's what I found: • The WMR system has a rolling 24-hour window for login attempts (not calendar day) • IP-based tracking means multiple devices on same network count together • System load affects error frequency (highest Mondays and mid-month) • Browser fingerprinting may track attempts even after clearing cookies • Mobile carriers with NAT can cause false lockouts from other users

I've seen this happen every tax season since 2018. The WMR system has never been reliable during peak periods. Back in 2021, I got completely locked out for 48 hours despite only checking once. The real issue is that the IRS hasn't upgraded their authentication systems in years. They're running ancient COBOL code on mainframes from the 1980s, and it shows. Best approach is to check once every 2-3 days, preferably early morning before system load increases.

Have you checked if you have any outstanding tax issues from previous years? Sometimes the IRS will hold current refunds if there are unresolved issues from past returns. Since you mentioned not receiving last year's refund either, there might be a connection between the two years. Also, did you claim any tax credits this year like the Earned Income Credit or Child Tax Credit? Those automatically trigger additional processing time under the PATH Act.

I track tax processing times pretty carefully, and this year has been particularly slow. As of March 15, 2024, the IRS reported that about 22% of returns filed before February 22nd were still in processing, which is higher than normal. If you filed on February 18th and it was accepted on the 21st, you're right at that cutoff date where delays are more common. The TurboTax early deposit feature is misleading - they can only advance your refund after the IRS has approved it and provided a direct deposit date. Since the IRS hasn't processed it yet, TurboTax can't give you any tracking. I'd recommend waiting until at least April 3rd (45 days from filing) before taking more aggressive action.

I... might be in the same boat. I'm not entirely sure if I received that payment or not, but I did claim it on my return. Now I have those same codes and I'm nervously waiting. I've heard that sometimes these adjustments can happen pretty quickly, while other times they can drag on. I suppose it depends on how backlogged the IRS is at the moment.

Just wanted to share some good news - I had this EXACT situation last month! Claimed I didn't get the Child Tax Credit advance when I actually did. Got the 570/971 codes, received a notice about 10 days later explaining the adjustment, and then my transcript updated with a DDD exactly 14 days after the notice date. The refund hit my account right on schedule, just minus the amount I had incorrectly claimed. So hang in there - the system is actually working pretty efficiently for these types of adjustments!

I was in a similar situation and wasn't sure where my refund would show up. I think I might have found a helpful tool though - I used https://taxr.ai to analyze my transcript and it showed me exactly where my refund was going. It pointed out the specific code that indicated my paper check selection had been changed to direct deposit. Maybe worth trying if you're able to access your transcript? I was honestly relieved to have some clarity finally.

This DD switch happened to me last year and it was actually better than waiting for a check! My sister's paper check took almost 4 weeks longer than my direct deposit, even though we filed on the same day. The way taxr.ai breaks down those transcript codes is way more detailed than what the IRS site tells you - saved me hours of trying to decode all those numbers and dates myself. Definitely worth checking out compared to the headache of calling or waiting without knowing.

Last year when I had a similar situation, I spent hours trying to reach the IRS directly. This year I used Claimyr (https://claimyr.com) to get through to an IRS agent in about 15 minutes. They confirmed that my refund had been sent to SBTPG and there were no issues on their end. I was surprised at how complicated the handoff between IRS → SBTPG → Chase actually is. The IRS agent explained that once they show it as sent, they can't track it further, but at least I knew where to focus my follow-up calls.

Have you tried checking your refund status using the IRS2Go app instead of relying on SBTPG's portal? Sometimes the official IRS tools provide more accurate information compared to the third-party processors. Would it also be worth checking if your refund might have been split across multiple deposits if you paid for tax preparation fees from your refund? That situation sometimes creates confusion when tracking deposits.