


Ask the community...
Be prepared for exactly how long this process can take. I applied for a Taxpayer Advocate on January 17th this year and didn't get assigned one until March 3rd - that's 45 days of waiting. And then it took another 37 days to resolve my issue. The TAS is severely understaffed right now with a 200,000+ case backlog. If you're facing penalties or interest that are accruing daily, make sure to request that they freeze those while your case is being reviewed. I didn't do this and ended up with an additional $843 in penalties that could have been avoided.
The community wisdom I've gathered from helping my parents through this last October: call your local Taxpayer Advocate office directly rather than the national number. The wait times are usually shorter. Also, if you're over 65, mention that when you call as they sometimes prioritize seniors. And if you've already submitted documentation twice as you mentioned, make sure to get certified mail receipts for everything going forward - the IRS has been losing paperwork like crazy since the pandemic. Time is of the essence with these matters; if you don't hear back within 5 business days of contacting TAS, follow up immediately. Good luck!
Here's exactly what you need to do - it's like being locked out of your house but knowing there's a spare key somewhere: 1. Call the IRS main number (800-829-1040) first thing in the morning (7am EST) when wait times are shortest 2. Request they resend the letter to your verified address 3. Ask for a 30-day extension from the date you receive the new letter 4. Get the name and ID number of the representative you speak with 5. Ask specifically what documentation you'll need to prepare I've seen this happen to 8 different people this tax season alone. The mail system has been particularly problematic with IRS notices. Don't stress - this is fixable as long as you're proactive.
Thank you so much for this detailed plan! This makes me feel so much better about what to do next.
Success story here! The exact same thing happened to me in February. According to the IRS.gov FAQ section on missing notices, I requested a reissued letter, received it within 10 days, and responded immediately. My refund was processed 16 days later. Make sure to check your address is correct in the IRS system - I discovered mine had an incorrect apartment number which is why I never got the original notice.
This happens every year! My credit union holds my refund for exactly 3 days after it appears pending. Last year I called them 5 times trying to get it released early when I could see it sitting there. They gave me the exact same explanation - that the Federal Reserve settlement date is binding and they can't release it until then. I'm worried this year about timing because I have a mortgage payment due exactly 1 day after my scheduled deposit date, and if there's any delay I might get hit with a $58.43 late fee.
Can you explain more about this Federal Reserve settlement date? Is that something set by the IRS or by the banking system? I'm trying to understand if there's any way to predict when funds will actually be available versus when they first appear.
Has anyone tried calling their bank's customer service specifically about this? I need my refund ASAP for medical bills and wondering if explaining the situation might help? Would a bank manager have authority to release funds early in hardship cases?
Switch banks next year! š Seriously though, some banks release IRS refunds immediately while others hold them until the official date. I use Capital One and they've always given me access to my refund as soon as it hits my account as pending. Maybe worth considering a different financial institution if this is a major inconvenience for you. At least the PATH delay is over and refunds are flowing now!
I'm not entirely convinced there's a specific issue with TurboTax or Credit Karma... It might be that they have more users, so we just hear about more delays from their customers. I've been watching these forums for several tax seasons, and it seems like the delays affect different preparation methods each year. Perhaps it's more about what's on your return than how you filed it.
Per IRS Publication 1345 (Authorized e-file Provider Requirements), all authorized e-file providers must meet the same transmission standards regardless of consumer software brand. The differentiation in processing times is more likely related to the Refund Integrity Verification Operations (RIVO) as outlined in Internal Revenue Manual 25.25.3, which selects returns for additional review based on specific criteria unrelated to filing method. Your frustration is completely understandable given the delays.
Maya Lewis
After waiting 5 weeks with no updates, I used Claimyr.com to get through to an IRS agent. Got connected in about 15 minutes instead of spending hours on hold. The agent told me my return was just in the verification queue because I claimed CTC, and there wasn't anything wrong with it. Got my deposit exactly 8 days after that call. Worth every penny to finally get answers and my refund! https://youtu.be/_kiP6q8DX5c
0 coins
Isaac Wright
ā¢How much does that service cost? The IRS phone system is absolutely terrible.
0 coins
Maya Lewis
ā¢It varies depending on time of day, but I paid around $25. Considering I spent THREE DAYS trying to call them myself with no luck, it was totally worth it. Plus I needed that $4800 refund ASAP for car repairs.
0 coins
Lucy Taylor
Check your transcript codes if you can access them. If you see code 570 (refund hold) followed by 971 (notice issued), they might be requesting additional verification. I had this happen last year and had to send in documents proving my kids lived with me.
0 coins
Jessica Nguyen
ā¢Man I hope that's not it. I submitted all the same info as last year and never had issues before. This tax season is straight trash šļø
0 coins