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I was in the same boat. Filed early March, nothing for weeks. I finally broke down and used taxr.ai to figure out what was going on with my transcript. Turns out there was a small math error that was holding everything up. The tool explained exactly what was happening and predicted I'd get my refund on May 12th - got it May 14th, pretty darn close! Saved me from going insane checking WMR every day.
Honestly after spending 9 weeks stressed out of my mind checking WMR daily and trying to decipher my transcript, it was worth every penny. The peace of mind alone knowing exactly what was happening instead of being in the dark was priceless.
Be careful, could be identity verification. I had to wait 9 weeks then got a letter saying I needed to verify my identity before they'd continue processing. Super annoying. Keep an eye on your mail.
Yes they'll send a letter, but it could take 2 months to arrive š If you call them they can tell you immediately if that's the holdup. I finally got through using claimyr.com after wasting hours on hold myself.
Ran into a similar situation and was pulling my hair out trying to figure out what was happening with my refund. I was getting different status messages and couldn't make sense of my transcript. Finally used taxr.ai and it explained exactly what was happening - turns out my refund was just delayed by the bank processing, not actually pending with the IRS. Saved me so much stress! The tool is really helpful for decoding all the IRS jargon.
The early deposit feature is offered by some banks as a courtesy, but it's not guaranteed. When it fails, your refund defaults to the standard processing time. The IRS isn't denying you anything - they're sending it on the date they always planned to (your DDD). Your bank is the one that tried to get it to you early and couldn't.
Make sure to get everything in writing from your tax preparer about when you can expect the check. Some of these places will give you the runaround. If they say "2 weeks" ask them to write down exactly when you should call if you haven't received it by then.
Most folks saying 2-3 weeks here are accurate based on my experience. BUT if you wanna know exactly what's happening with your refund, call the IRS directly. I tried forever to reach an agent and finally used claimyr.com which got me a callback from an actual agent. The agent was able to see exactly where my refund was in the process and told me when I could expect it to be returned to SBTG. Made me feel so much better having real info instead of guesses from reddit.
Got a callback same day! It was honestly such a relief to finally talk to someone who could see my actual file and not just guess what was happening.
I can confirm this works. Used it last year when my refund was stuck in limbo for 3 months. Agent solved it in one call.
If your state refund also hasnt come through that's another sign you probably need to verify. When I had to verify, both federal and state were held up.
Did you claim any credits like EITC or Child Tax Credit? Those automatically get extra scrutiny and can cause delays even without needing to verify identity.
Fernanda Marquez
Pro tip: NEVER do the "get refund 5 days early" with TurboTax or any other tax service. They use a third party bank that sometimes causes issues. Always just do normal direct deposit straight from IRS to your bank.
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Kendrick Webb
ā¢Learned this the hard way š¤¦āāļø never again
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Hattie Carson
ā¢I did the early option with TT this year and it worked perfectly. Got my money 4 days before the DDD with no issues. Guess it depends on your situation.
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Destiny Bryant
i got my DDD for 3/15 but it showed up on 3/14. I bank with a different credit union tho. You should def check your transcript to make sure nothing strange happened.
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