Tbh I'd just set up a separate savings acct for these payments. That's what I did when this happened to me. The IRS is super overwhelmed rn and even if you call, they might not be able to fix it immediately. Just save every penny they send, don't spend it, and when tax time comes you'll be ready if you need to pay it back. Worst case, you have some extra $ set aside. Best case, you might get to keep some depending on your final tax situation. It's annoying af but less stressful than trying to fight the system.

I experienced this exact scenario with the Advanced Child Tax Credit distribution. The payment occurred due to asynchronous processing between the opt-out database and the disbursement system. When I analyzed my situation, I found the opt-out request was timestamped after the payment authorization had already been batched in the system. The IRS reconciliation algorithm will account for this during your 2024 filing through Form 8812 (Credits for Qualifying Children and Other Dependents). You'll need to report all advance payments received on your return, regardless of opt-out status. I'm actually relieved now that I understand the mechanics behind it rather than worrying about a system error.

I might be able to provide some helpful context here. My grandmother, who primarily relies on Social Security, encountered a somewhat similar situation. She didn't receive her second Child Tax Credit payment, which was possibly due to an address change we had submitted. We essentially had to file a 1040 for her, even though she normally wouldn't need to file. The process was relatively straightforward, but there were a few potential complications: 1. If your mom has dependent children still qualifying for the credit, you'll need their information 2. She might need to create an online account with the IRS to verify previous payments 3. The IRS might request verification of eligibility if this is a newer situation

I helped my uncle through this exact situation last year. The IRS actually has a specific process for non-filers who need to claim missing credits. I created an account on the IRS website, downloaded his tax transcripts, and confirmed which payments he had received. Then we filed a simple return claiming just the missing credit. It took about 23 days from filing to receiving the payment. One thing to watch for - if your mom has moved or changed bank accounts since the first payment, make sure to update that information on the return to avoid further delays.

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 had a similar correction made to my return last year. My situation was with investment income reporting too - they adjusted a basis amount on a stock sale. Unlike a manual review where they send you a letter and request information, these automated corrections are much faster. Compared to an audit which can take months, or an identity verification which takes 6-8 weeks, these simple math corrections typically process quickly. I received my corrected refund exactly 17 days after the correction was made, despite being told 8 weeks. Just make sure you're checking both WMR and your transcript for updates.

When the representative said they "corrected an error," did they specify what type of error it was? The timeline varies significantly based on error type. Here's why: 1. Math errors = fastest (2-3 weeks) 2. Missing information = medium (3-5 weeks) 3. Verification issues = longest (full 8 weeks) Did they mention if you'll receive a CP12 notice explaining the correction?

• 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!

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.