I had a similar situation and needed my refund urgently. After waiting anxiously for days, I decided to call the IRS to confirm everything was on track. Spent hours trying to get through their phone system with no luck. Then I tried https://youtu.be/_kiP6q8DX5c from Claimyr.com and got connected to an IRS agent in about 15 minutes. They confirmed my deposit was scheduled exactly as shown on my transcript and explained that my bank would receive the funds on the DDD. The peace of mind was worth it, and I could plan accordingly instead of constantly checking my account. Here's how I did it: 1. Used Claimyr to reach an agent 2. Verified my identity 3. Asked specifically about my 846 code and DDD 4. Got confirmation about the exact timing

Based on IRS Treasury FMS protocols, the 846 code with cycle 0705 indicates your refund has entered the final disbursement phase. The DDD of 2/16 is the OFFICIAL date your financial institution will receive the ACH transfer, NOT necessarily when it will post to your account. This distinction is critical and often misunderstood. You need to factor in your bank's ACH processing timeframe, which varies significantly between institutions. Some process immediately, others have a 24-48 hour hold period. I would strongly recommend checking your account on 2/16 and 2/17, as weekend processing may further delay visibility of funds.

The Non-Filer Verification Protocol (NFVP) implemented in 2023 has extended processing times significantly. Transcript updates occur in cycles, with verification completions typically batched on Thursdays for Friday transcript updates. The appearance of any codes represents progression through the verification pipeline.

According to IRM 21.5.6.4.35.3, non-filer verification may require additional processing time. Have you received any CP notices in the mail requesting additional information?

I work with tax resolution cases, and bankruptcy's effect on tax refunds is somewhat complex. In most cases, tax debts less than 3 years old will likely still result in an offset, unless there's possibly an active bankruptcy stay in place. The Treasury Offset Program generally treats bankruptcy-included tax debts according to whether they were dischargeable or not. Your refund this year might be reduced by the remaining tax debt amount, but once that final amount is paid, future refunds should be unaffected. You might want to check your transcript to see if there's a TC 520 code with a closing code of 60-67, which would indicate bankruptcy proceedings affecting your account.

I went through almost the exact same thing last tax season! 😅 Filed Chapter 7 in late 2022, had some lingering tax debt from 2020, and was worried sick about my refund. The IRS did end up taking about $1,800 of my refund to pay off the remaining tax debt (which wasn't dischargeable because it was too recent). But here's the good news - once it was paid off, they released the rest of my refund about 3 weeks later. And this year? No problems at all! Got my full refund in 10 days. The light at the end of the tunnel is real, my friend!

I think people are making this more complicated than it needs to be. Here's what you should do: 1. First, check your Account Transcript - this shows processing codes and refund status 2. If you see codes you don't understand, then check the Record of Account for more context 3. If you're wondering if the IRS received all your information correctly, check the Return Transcript I'm a bit worried that checking daily might lead to unnecessary stress though. The IRS processing times are slower this year, and transcripts often update only weekly.

I think I might be able to help with this. I was probably in a somewhat similar situation last year. After trying both transcript types, I found that the Account Transcript is generally more useful for tracking refund status. It shows all the important cycle codes and, most importantly, the 846 refund issued code when your money is on the way. The Record of Account is basically a combination of your Account Transcript and Return Transcript, so it has more information but isn't necessarily more helpful for just tracking your refund status.

After waiting 7 weeks for my refund with both credits, I finally gave up on the regular IRS number and used Claimyr (https://www.claimyr.com). Got through to an agent in about 15 minutes instead of spending days trying to call. The agent confirmed my return was just stuck in the extended verification process but nothing was wrong. Got my refund about a week later. Worth it just for the peace of mind knowing nothing was actually wrong with my return.

H&R Block filer here too! Filed Feb 3rd with both credits, still waiting. Called IRS yesterday and they said it's "still processing" with no errors. Agent said they're just backed up and to keep waiting. So frustrating but at least we're not alone!