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Definitely get thru to a human ASAP!!! I had a similar issue that took 14 months to resolve because I just waited for letters. When I finally got someone on the phone using Claimyr.com they were able to resolve it in ONE CALL. Literally the best money I ever spent - one 20 minute call with a real IRS agent fixed what had been holding up $11k for over a year.
why is everybody talking about these paid services? Just call the IRS Taxpayer Advocate Service. It's FREE and they are literally designed to help with these exact situations. 877-777-4778
Good luck getting through to TAS right now. They're so backed up they're rejecting cases unless you can prove severe financial hardship. I tried for 2 months and couldn't even get past their phone system.
Damn really? Things must be worse than when I used them last year. That sucks.
Hey just a heads up - check that your bank account info is correct on your return! Last year I had the right account number but accidentally transposed two digits in the routing number. The IRS caught it but it delayed my refund by 3 weeks. You can verify this info on your transcript.
SoFi customer here. My experience is that they're actually NOT consistent with the early deposit thing for tax refunds specifically. Regular paychecks? Yes. Government payments? Hit or miss. Last year my fed refund came exactly on the DDD, not early.
That's good to know! Their marketing makes it sound like ALL direct deposits come early but I guess that's not the case.
I was having the exact same issue last month. Found out it was because my name on my tax return didn't exactly match my bank account (I used my middle initial on one but not the other). SBTPG rejected the deposit and had to mail me a check instead. Might be worth checking if your name format exactly matches.
Everyone here keeps saying wait a few days but if you need that money NOW, call SBTPG directly and ask them to expedite it. Last year I called and told them I had urgent bills to pay and they processed mine same day. The squeaky wheel gets the grease! Their number is 800-901-6663.
thanks for the number! might try this tomorrow if i still dont see anything
Let us know if this actually works! I'm in the same boat and getting desperate.
This happened to me a few years ago! Turned out my ex-wife had filed before me and used our joint bank account from when we were married. The IRS deposit system got confused and tried to deposit both refunds to the same account, which caused mine to bounce. Had to go through the whole trace process. Check if anyone else might have used your account for their refund?
That's wild! No, it's just my account. No one else would have access or reason to use it.
Kristin Frank
Pro tip: If you're worried about potential offsets, you can call the Treasury Offset Program's automated system at 800-304-3107 to see if your SSN is in their database BEFORE you file. Might help you avoid surprises, but you still won't know the exact amount they'll take until after it happens.
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Micah Trail
ā¢I wish I had known this before filing! My entire $4,200 refund got eaten up by old student loans I didn't even realize were in default. Would have been nice to have a heads up.
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Nia Watson
Had this last year, lost half my refund to a state tax debt from a state I hadn't lived in for 5 years! The most frustrating part was finding out which agency took the money. Ended up using taxr.ai to decode my transcript and figure out what happened, then used claimyr.com to actually get through to the IRS to confirm. FINALLY got answers after weeks of confusion. Honestly, these tools are worth it if you're dealing with offset issues - saved me so much time and stress.
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