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Def normal. Happens every yr. WMR and transcripts = different systems. My timeline this yr: - Filed: 2/12 - WMR: "Processing" 2/13 - Transcript: N/A until 2/28 - Transcript updated w/ 570 hold + 971 notice - Notice arrived 3/7 (minor math correction) - 571 release code 3/15 - DDD 3/20 - $$ in account 3/20 Pro tip: once transcript appears, look for cycle code. Last two digits tell u which day of week your acct updates. Mine was 05 = Thursday night updates.
Thank you for sharing your timeline! This is super helpful. I just got my transcript yesterday after weeks of N/A, and I have a cycle code ending in 05 too!
6d
Have you checked if your return included any credits that might trigger additional review? The Child Tax Credit or Earned Income Credit can sometimes cause your return to be held for additional verification, which might explain the delay between systems.
I went through this exact verification process last month. Called on March 2nd after getting the letter, verified my identity with an agent who was actually very helpful. She told me 4-6 weeks, but my refund hit my account on March 23rd - so exactly 3 weeks later. My transcript updated about 4 days before the deposit showed up. I also needed the money for medical bills, so I was checking obsessively. One thing that helped was checking my transcript for the 846 code which shows the scheduled refund date.
The community wisdom on verification timelines is that 14-28 days is the typical range for direct deposit after successful verification! I'm SO EXCITED to report that the IRS seems to be processing faster this year compared to the disaster that was 2023. Most people in this sub are reporting closer to the 14-21 day range recently. Make sure you're checking both WMR and your transcripts - sometimes one updates before the other!
Just to clarify - the 14-28 day timeline is business days, not calendar days. So effectively 3-5.5 weeks depending on holidays and weekends. The IRS processing centers operate on different schedules depending on the service center handling your return.
5d
I verified on February 27th and got my refund March 25th - almost exactly 4 weeks. But my coworker verified March 10th and got hers April 2nd - just over 3 weeks. We both filed around the same time in early February and both had the Child Tax Credit. Seems like they're catching up on the backlog.
5d
According to IRS Publication 5027, when a third-party processor like TPG is involved, the standard timeframe for complete processing is 1-3 business days after the official Direct Deposit Date. The National Automated Clearing House Association (NACHA) regulations allow financial institutions up to 24 hours to process incoming ACH transfers. Your timeline is currently within normal parameters and doesn't indicate any issues with your refund processing.
I checked the TPG Facebook page and Twitter yesterday because I was in the exact same situation. Lots of people reporting 24-48 hour delays between TPG showing funded and money actually hitting their Credit Karma cards. Mine finally showed up this morning, about 36 hours after TPG said funded. The Credit Karma subreddit has a whole thread about this too - apparently it's totally normal even though it's super annoying!
I successfully submitted documentation to the IRS on March 12th, 2024 after receiving a CP2000 Notice of Underreported Income. The key is to follow the Notice Instructions precisely. There is no general email submission process, but depending on your specific notice type, you may have access to the Documentation Upload Tool through your online account at IRS.gov. This is only available for certain notice types, however.
Just to clarify what others have said - the IRS doesn't have public email addresses for document submission. Each department has specific mailing addresses, and your notice will indicate exactly where to send your documents. The reason they don't use email is primarily for security and verification purposes. If your notice doesn't specifically mention an electronic submission option (which some newer notices do), then mail is your only official channel.
Thank you for explaining this so clearly! I was hoping for a quicker solution but at least now I know exactly what I need to do.
5d
Quick q - did you check if Republic might be holding it for review? Sometimes they'll hold tax refunds for 24-48hrs if it's a large amount or there's any verification needed. Have you logged into your Republic acct to see if there's any pending deposits or messages? Might wanna do that ASAP if you're counting on the $$ for bills!
This is such a good point! I had this happen last year and was freaking out about my missing refund. Called Republic and they said it was flagged for review because it was significantly larger than my previous year's refund. Once I verified some info, they released it same day.
5d
I'm impressed with how knowledgeable everyone is here. According to Treasury Regulation ยง210.5, financial institutions are required to make funds available on the settlement date specified by the government agency. However, Republic Bank's internal policies may include additional verification steps for fraud prevention that can create these short holds.
5d
Direct deposit timing can be unpredictable with the ACH system. You might want to consider setting up alerts in your banking app to notify you the moment the deposit hits. That way you don't have to keep checking manually. Also, if you're planning bill payments, you might want to schedule them for the 25th or 26th just to be absolutely certain you have the funds available.
The Identity Verification Acknowledgment Process (IVAP) typically takes 7-10 business days to complete within IRS systems. However, there's also a secondary verification process called the Taxpayer Protection Program (TPP) that may be occurring simultaneously. If your return was flagged under TPP protocols, the resolution timeframe extends to 14-21 business days before transcript visibility. This is separate from normal processing time, which begins only after verification completes. The current national average for post-verification transcript population is 16.4 business days as of last week's IRS operational status report.
Did you receive any specific error code during verification? I had to verify my identity exactly 37 days ago, and my transcript was blank for exactly 14 days afterward. On day 15, it suddenly showed all information including my direct deposit date which was scheduled for 5 days later. Have you tried checking at different times of day? The IRS systems update transcripts at precisely 3:30am, 11:45am, and 6:15pm Eastern time in my experience.
An alternative approach is to request a Tax Advocate intervention. According to Internal Revenue Code Section 7811, taxpayers facing significant hardship (including medical expenses) may qualify for Taxpayer Advocate Service assistance. The processing delay exceeds the standard 21-day timeframe, which meets one criterion for TAS involvement. Request Form 911 (Application for Taxpayer Assistance Order) and specifically mention the medical necessity for your refund. TAS can often access different internal systems and provide status information unavailable through normal channels.
Do you know what qualifies as "significant hardship" for medical expenses? Is there a specific threshold or documentation required when submitting Form 911?
9d
How long does the Tax Advocate process typically take? If the IRS is saying wait until end of April anyway, would this actually speed things up or potentially delay it further?
7d
Be extremely cautious about taking no action. In 2023, approximately 1.9 million returns were held in processing limbo without taxpayer notification. Per IRS Procedural Notice 2023-11, returns with certain verification flags may not generate correspondence but remain in suspended status indefinitely. My colleague's return from February 2023 sat for 9 months before they discovered an identity verification requirement that was never communicated. According to Treasury Inspector General report #2023-40-035, the IRS failed to notify approximately 12% of taxpayers requiring verification. Consider proactively verifying your identity through ID.me even without a notice.
I'm not convinced this verification process is even legitimate sometimes. Consider these points: โข The IRS never clearly explains WHY you were selected โข The timing is suspiciously inconsistent โข Some people get letters, others get prompted online โข There's no transparency about what triggers the verification โข The technical documentation about their selection algorithm is nonexistent It feels like they're just randomly delaying refunds to manage cash flow.
While I understand the frustration, the verification process is actually quite important in the broader context. It's possible, though not certain, that your status as a recent immigrant might have triggered additional verification steps. The IRS systems are generally designed to flag returns that deviate from established patterns, which may include first-time filers in the US system. This isn't necessarily a bad thing, as it helps protect both taxpayers and the treasury from potential fraud.
Just wanted to share my timeline in case it helps anyone else who had to verify their identity this tax season. I e-filed on 2/28/2024 and got the dreaded "Your return is still being processed" message. On 3/16, I completed ID verification through ID.me (triple-checked every detail to make sure I didn't mess anything up). WMR updated on 3/21 to show it was approved, and today I checked my transcript and saw the beautiful 846 code with a DDD of 3/27! That's exactly 6 days from verification to approval. I was so worried because I've been meticulously planning my budget after graduation and really needed this refund to come through. Anyone else have a similar timeline? ๐๐
I had nearly identical timing last year after verification. Back in 2023, I verified on February 22nd and received my 846 code on February 28th. The IRS seems to be maintaining similar timeframes this year for post-verification processing. In my experience, returns that require verification but have no other issues tend to move quickly once your identity is confirmed. The system is designed to fast-track these returns since they've already been delayed by the verification step.
According to Internal Revenue Manual section 21.5.6.4.35, identity verification cases should be resolved within 9 weeks after successful verification. However, IRS Publication 5027 indicates expedited processing for returns with no other issues beyond identity verification. In fiscal year 2023, 87.3% of post-verification returns were processed within 14 days. Your 6-day timeline falls within the expected range for a return with no additional complications per IRM 21.5.6.4.35(2)(c).
Jamal Anderson
Just FYI - the 570/971 combo usually means they're just double-checking something. Not a full-blown audit or anything super serious. The fact that your notice says you don't need to do anything is actually a good sign! It's basically the IRS saying "we're just verifying stuff on our end." Pro tip: Keep checking your transcript (not WMR) for a 571 code. That means the hold was released. Then look for 846 which is your refund date. Most ppl in my tax groups got their $ about 35-40 days after the notice, not the full 60.
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Mei Wong
I'm a bit hesitant to share this, but my experience with this verification process wasn't great last year. I received the same notice, and I thought I could just wait it out... but it turned out they were verifying my dependents, and I ended up having to submit additional documentation after the initial review period. This extended my wait to almost 90 days total. I'm not saying this will happen to you, but if you're depending on this money for important expenses, you might want to have a backup plan just in case. The majority of people do get through the verification without issues though.
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