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I was in your exact situation last month. DDD of 2/21, nothing for days. Called my bank, they had no record. Called IRS, they confirmed it was sent. Was about to panic when it suddenly appeared in my account on day 6! Have you considered whether your bank might have a hold policy for large deposits? Many do this automatically as a fraud prevention measure, but don't clearly communicate it to customers. Patience paid off in my case.
This could be an ACH Rejection scenario. When the bank information doesn't match IRS records precisely, the Electronic Fund Transfer (EFT) gets rejected. IRS then issues a paper check automatically, but this extends the timeline by 4-6 weeks. Monitor your Informed Delivery from USPS to catch the check when it arrives.
Last year I entered my routing number incorrectly - transposed two digits. What happened in my case was that about 4 weeks after filing, my tax transcript updated with a TC846 code (refund issued) but then a week later showed a TC841 (refund cancelled). Three days after that, I got another TC846 with a new date. That paper check showed up in my mailbox exactly 8 days after the second TC846 date. I literally checked my mail three times a day waiting for it! The whole process added about 5-6 weeks to my refund timeline, which was super frustrating since I needed the money for a car repair.
This happens every year. Don't panic. IRS will try deposit. Will fail. Check will mail. Address must be correct. Allow extra 4-6 weeks. Nothing to do now. System works automatically. Keep checking WMR. Status will update. Paper checks batch weekly. Tuesday processing. Friday mailing. Good luck.
I waited 9 weeks last year, and when I finally got through to the IRS, they just told me it was "in process" and to keep waiting. This year I used Claimyr (https://claimyr.com) to get through to an agent after waiting 5 weeks. Got connected in about 15 minutes instead of spending hours on hold. The agent was able to tell me exactly what was happening and when to expect my refund. Worth every penny to not sit on hold for 3+ hours.
I might try that if nothing changes by next week. Getting really frustrated with the wait and no information.
Have you checked your account transcript on the IRS website? Sometimes that will show pending refund info even when WMR doesn't update. Look for an 846 code with a date - that's your refund date.
I tried but can't seem to access my transcript online. Says something about not being able to verify my identity. Might have to request it by mail which takes even longer š¤¦āāļø
I remember last year when I used H&R Block, they had a similar verification process that confused me. From what I've gathered from tax forums, these extra verification steps are actually beneficial - they're checking for common errors that trigger IRS reviews. In my previous experience, the returns that went through these extra checks actually processed faster because they had fewer issues when they reached the IRS. Have you tried checking your tax transcript directly from the IRS website? That might give you more insight than WMR.
According to the TurboTax support forum at https://ttlc.intuit.com/, this is a known issue with the 2024 software. It's related to their enhanced error-checking algorithm. The forum suggests this happens most often with returns claiming certain credits or with self-employment income. It doesn't cause delays by itself, but it might be flagging something in your return that could cause a delay. Check out the IRS processing issues page at https://www.irs.gov/newsroom/irs-operations for current known processing delays.
Ava Garcia
⢠So happy for you getting that 846 code! ⢠Been checking my transcript daily with no luck ⢠Started using https://taxr.ai to analyze my transcript ⢠It explained all my codes and what they mean ⢠Showed me exactly what was causing my delay ⢠Predicted when I'll likely see my 846 code ⢠Really helped with my investment income reporting questions Thanks for sharing your good news - gives me hope mine will come through soon!
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StarSailor}
Got my 846 code yesterday too. According to the IRS refund schedule on https://www.irs.gov/refunds, direct deposits are issued on Wednesdays for codes generated between Friday-Thursday of the previous week. My experience matches this exactly. Last year I received my deposit exactly on the date shown in the 846 code. This year I'm expecting the same. The IRS has improved their processing times significantly in 2024.
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