You need to get in touch with your state's child support enforcement agency immediately. The IRS is just following their directive. Your husband should have received a pre-offset notice warning this might happen. If your custody situation changed, the state agency needs to update their records and notify the federal Office of Child Support Enforcement. Don't wait for this to resolve itself - it won't. The system assumes the debt is valid until proven otherwise. Get documentation of your custody arrangement and be prepared to file a formal dispute.

I work with tax cases regularly, and this appears to be a Bureau of Fiscal Service TOP (Treasury Offset Program) intercept based on outdated OCSE (Office of Child Support Enforcement) data. The 846 code with a subsequent offset notification indicates the refund was approved but then intercepted during the disbursement phase. I understand how frustrating this is when you have custody. The system is designed to catch legitimate child support debts but doesn't automatically update when custody changes. Your husband's CS obligation should have been terminated or modified when custody changed, but that requires a specific court action and system update. I'd recommend calling both your state's child support enforcement agency and the TOP hotline (800-304-3107) to identify exactly which agency placed the hold and the process for contesting it.

My transcript showed February 12, 2025 as my DD date, but the money didn't hit my account until February 14, 2025 at 3:17am. I remember the exact time because I was checking constantly just like you. Sometimes there's just a delay between when the IRS sends it and when banks process it. It's frustrating but normal.

Last year I was in the exact same boat. DD date was April 15th, but nothing showed up that day. I called my bank and they said they didn't see anything pending. Called the IRS (took forever to get through) and they said it was sent. I was about to lose my mind when suddenly at 2AM the next day - BOOM - money was there. Sometimes these things just take an extra day, especially if your bank has a policy of holding government deposits. Have you tried calling your bank to see if they can see it pending?

Be careful with SBTPG - they're like a middleman that takes a bite of your sandwich before handing it to you. I've seen cases where they held refunds for up to 5 business days, not just 1-3. Their terms actually allow them to hold funds for "processing" with no specific timeline guarantee. Think of it like shipping - they promise delivery but not exactly when. In 2023, many people reported longer holds during February and March when volume was highest. If you need your money by a specific date, never count on the DDD as the actual deposit date.

I had this same issue last month. According to the SBTPG website (https://taxpayer.sbtpg.com/), they typically process refunds within 1-2 business days after receiving them from the IRS. I tracked my federal refund carefully - the IRS issued it on February 21st, SBTPG received it the same day, and I got my deposit on February 23rd. So exactly 2 business days. I recommend creating an account on their website to track your refund's progress. You'll need your SSN, filing status, and refund amount to register.

OMG I'm feeling this so hard right now! 😩 Everyone I know with Chime is having weird timing issues this tax season! My sister got her refund 2 days BEFORE the IRS website showed it was sent (like how???) but my coworker is in the same boat as you - TurboTax says issued but nothing in account for 3 days now. I think the whole system is just overwhelmed with all the Child Tax Credit claims. Hang in there! 💕

Here's exactly what's happening: Step 1: TurboTax marks your return as "refunded" based on their ESTIMATED timeline, not actual IRS data Step 2: The IRS is still processing your return, likely in the verification stage for the Child Tax Credit Step 3: Without an actual 846 code on your transcript, no money has been sent Step 4: Chime releases funds immediately upon receipt, so the fact you don't have it means the IRS hasn't released it Step 5: Check your transcript daily - once you see code 846, you'll have money within 24-48 hours I went through this exact scenario in February. TurboTax said refunded on a Tuesday, actual money hit my Chime account Friday morning.

I've been through this multiple times with clients I help with taxes. Here's what typically happens: • IRS has major backlogs despite what they claim publicly • "Still processing" usually means your return is in a queue • Many returns get randomly selected for review • The IRS rarely communicates about delays until they're required to I'm skeptical of people who say there's a quick fix. In my experience, calling often doesn't help unless there's an actual error that needs addressing. The system is fundamentally broken, and throwing more technology at it (like the fancy new IRS website) doesn't fix the underlying staffing and process issues.

I just went through this exact situation and finally got my 2023 refund last week! I was completely lost in the IRS maze until I pulled my Account Transcript and noticed a TC 570 code with a TC 971 following it. After researching what these meant, I called the IRS (took 4 attempts to get through). Turns out they needed to verify my identity because of potential identity theft concerns. Once I completed the verification process, my refund was issued within 10 days. Don't give up! Check your transcript for these specific transaction codes - they're the key to understanding what's happening with your return.