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It appears that, in most cases, there's a potential delay between the Direct Deposit Date and the actual availability of funds that might be worth considering. The Treasury Financial Manual suggests that while the IRS may initiate the payment on the DDD, financial institutions generally have up to 24 hours to post the funds, though some may take longer depending on their internal policies. Have you perhaps contacted your bank to see if they show a pending deposit?
I tracked exactly 126 DDD reports on this subreddit over the past 47 days. The average time between DDD and actual deposit was 1.3 business days. However, 18.2% of users reported a 2-day delay, and 7.6% reported a 3-day delay. It's now been exactly 24 hours since your DDD date, which means you're still within the normal timeframe. If it doesn't arrive by 5pm tomorrow, THEN you should start investigating!
Wow, I thought I was thorough with my tax tracking spreadsheet! π But seriously, those stats are helpful. I've had DDDs take up to 3 business days before, and I've filed every year for the past 12 years. The one time I called the IRS in a panic on day 2, my deposit showed up that same afternoon. Murphy's Law of tax refunds, I guess.
Has either of you completed Form 8332 (Release/Revocation of Release of Claim to Exemption for Child by Custodial Parent) in previous years? According to Regulation 1.152-4, the custodial parent can release their claim to the non-custodial parent, but this must be done formally with the proper documentation. If you've signed this form in the past, it could affect your current situation.
Be careful with this! On February 12th last year, my ex claimed our child without telling me, even though our daughter had been living with me since September 2022. When I filed on March 3rd, my return was rejected. I had to file by paper, and it took until June 17th to get my refund. The IRS actually audited both of us, and we had to provide extensive documentation. Make sure you file as early as possible this year - like January 29th when they start accepting returns.
Same thing happened to me! I laugh about it now (kinda), but at the time I was furious. My ex and I hadn't even discussed it, and suddenly my e-file was rejected. Had to mail in my return with a letter explaining the situation, plus school records, medical bills, even my kid's extracurricular activity schedules to prove where they were living. I'm concerned this might happen to you too if you don't get ahead of it.
After waiting 8 weeks with my transcript showing N/A, I finally got through to the IRS using Claimyr.com. It got me past the hold times (which were insane - I tried for days before). The agent confirmed my return was just stuck in the processing queue and needed manual review because of a mismatch with my W-2. They fixed it while I was on the phone and my transcript updated two days later. Refund came a week after that. Sometimes you just need to talk to a human!
That sounds helpful! I've been trying to call them for days but never get through. How much does that service cost?
Have you checked for any letters from the IRS? Sometimes they need additional verification but the letter gets delayed or lost. If your return has been accepted since January, there's likely something specific holding it up beyond normal processing times.
I haven't received any letters that I know of. I'll double check my mail pile though, maybe I missed something. Thanks for the suggestion!
Congrats on getting thru! The ID verify process this yr is brutal. FWIW, I've helped about 30 ppl in this sub with similar issues. The key thing you did right was being persistent about not needing a letter. The IRS actually updated their internal procedures (IRM 25.25.6.1) in Jan to allow phone verification w/o letters, but many reps haven't been trained on it. For anyone else stuck: call right at 7am ET, ask specifically for TPP dept (Taxpayer Protection Program), and have ALL tax docs from last 3 yrs ready. Refunds typically process 9-14 days after successful verification.
I'm so happy you got this resolved! The emotional toll of these verification issues is something the IRS doesn't seem to understand. Did they explain why you were selected for verification in the first place? I'm wondering if there are specific triggers we should all be aware of to avoid this next year. Also, did they give you any specific timeframe for when your refund might be processed now that verification is complete?
Luca Esposito
I've been stuck on N/A for over a month now. Called the IRS six times and couldn't get through. Finally used Claimyr (https://claimyr.com) to get past the busy signals - connected to an agent in about 15 minutes. Found out my return was just sitting in a backlog and needed manual review because of a small discrepancy with my W-2. They fixed it while I was on the phone and said I should see movement within a week.
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AstroAce
β’OMG I was considering calling too! The anxiety of not knowing what's happening is the worst part. I might try that service next time instead of just refreshing WMR like a crazy person π
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Luca Esposito
β’Definitely worth it! I spent hours trying to get through on my own before using them. The peace of mind from actually talking to someone who could help was worth every penny.
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Nia Thompson
What's your DDD date? Is it actually 3/1 or 3/6? Sometimes people read the transcript wrong and the 846 code date isn't always the actual deposit date.
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AstroAce
β’It says 03-01-2024 next to code 846! I double checked like 5 times lol. Should hit my bank account Friday! π
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