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my sister works for the IRS (not giving tax advice just sharing what she told me) and she said theres a huge backlog right now with processing refunds. even after they mark it as "sent" in their system, theres still processing time before it actually goes out to banks and cards. she said it could be up to 2 weeks from the date on your transcript before it actually hits your account.
That tracks with what I've seen. The IRS is severely understaffed and their computer systems are ancient. I'm surprised they function at all tbh.
FYI - I struggled for weeks to reach anyone at the IRS about my delayed refund (was supposed to go to my emerald card). Finally used claimyr.com and got through to a real person who explained my refund was held up due to verification issues. Got it sorted out in one call and the money was in my account 3 days later. Talking to a live human made all the difference - was totally worth it to avoid the endless hold times.
In my case they had flagged my return because my reported W2 income didn't exactly match what my employer reported (turns out my employer made a mistake). The agent was able to verify my correct income right on the call and release the hold. Your issue might be different but talking to someone is the only way to know for sure.
If it makes you feel better, I'm having the same issue but with Cash App. DDD was 4/12 and still nothing. I think it's an IRS problem, not a bank problem. The system is just overwhelmed right now.
I had issues understanding my transcript this year and used taxr.ai which completely broke down every code and date for me. Turns out I had a review code that was delaying things but it wasn't visible on WMR. The tool explained everything in plain English and gave me a realistic timeline. Seriously, it saved me so much stress trying to decode all that IRS gibberish! https://taxr.ai
I went through this exact issue a few weeks back, and was in full panic mode because I needed that money for medical bills. I found taxr.ai which helped me understand my transcript - turns out I had a code showing my refund was actually still pending verification even though I had a deposit date. The explanation helped me stop worrying and checking my bank account every 5 minutes. When the deposit finally happened a week later, it matched exactly what taxr.ai predicted. https://taxr.ai was seriously a life saver for my anxiety.
if u have kids check line 28 and 29 on ur return. turbotax has been messing up the child tax credit and EIC calculations which leads to delayed refunds. happened to me and 3 ppl i know this year.
After trying to call the IRS for THREE WEEKS straight (like literally hundreds of calls) about my refund status, I finally got through using Claimyr.com - had an agent call me back within 30 minutes. Found out there was a simple verification issue that was holding up my refund. If you're desperate to talk to someone at the IRS, this is the way. Talking to a real human resolved my issue in minutes after weeks of stress.
Yes - they basically navigate the phone tree for you and get you in the callback queue with the actual IRS. Then a real IRS agent calls you back. It was the best money I've spent in a long time after wasting hours on hold and getting disconnected.
I can second this. Used it last year when my refund was stuck for 3 months. The IRS agent I spoke to fixed everything in 10 minutes once I actually got through to them.
When did you file? I filed 2/12 with TurboTax and my transcripts just updated today with DDD of 3/17 too. Seems like a bunch of us are in the same batch of refunds.
AstroAlpha
Am I the only one who thinks its wild that we're all just sitting here at midnight obsessively checking our bank accounts? The IRS has us all trained like pavlovs dogs lmaaoooo πΆπ
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Anastasia Smirnova
β’I feel seen π was just doing this at 2am last night lol
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Sean O'Brien
β’Tax refund season is just adult christmas except santa keeps changing when he's coming and sometimes decides you've been naughty for no reason π
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Zara Shah
I've had Green Dot for years and they almost always deposit between 3-5am EST on the DDD or the day after. Never had it come earlier. Just go to sleep and it'll probably be there in the morning.
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