Looking at the bigger picture here - what we're seeing is the result of the IRS operating multiple systems that don't always communicate well with each other. The Advanced CTC payment system was set up separately from the main tax processing system, which is why you can receive one without the other being processed. Has anyone received any notices in the mail from the IRS? Sometimes they send letters explaining delays but the letters themselves get delayed. Would you mind sharing what your tax situation is like - did you claim any credits besides the CTC?

Have you checked your transcript online at IRS.gov/transcripts? According to the r/IRS community, many people find more detailed information there than WMR shows. If you see a TC 570 code, that typically indicates a hold on your account. What filing status did you use, and did you claim any other credits like EITC? These factors can significantly impact processing times.

According to IRS Publication 1345 (Rev. 1-2023), the refund transfer process through Santa Barbara TPG should complete within 24-72 hours of the IRS releasing funds. I'm in a similar situation with a 3/13 DD date. I've been trying to reach the IRS to confirm everything is on track, but the phone lines are jammed. I found that Claimyr.com can get you through to an IRS agent without the endless hold times. Might be worth it if you're worried about your amended return causing delays.

Have you received any emails from Santa Barbara TPG? Did you opt for a refund transfer or direct deposit to your own account? What bank do you use for the final deposit? Sometimes certain banks hold these transfers for an additional business day.

If you're somewhat pressed for time, which it sounds like you might be, calling the IRS directly could potentially be faster than waiting for mail delivery, though it's usually quite difficult to get through. I tried calling for three days straight last month and couldn't get past the hold times. I eventually used a service called Claimyr (https://claimyr.com) that got me connected to an IRS agent in about 30 minutes. The agent was able to verify my identity over the phone and fax the transcripts directly to my lender that same day. It probably saved me at least a week of waiting compared to the mail option.

For mortgage refinancing purposes, have you verified whether your lender requires an official IRS transcript or if they would accept a self-retrieved transcript from the IRS portal? There's a significant distinction between the Record of Account Transcript and the Tax Return Transcript that could impact your approval process. Additionally, did your lender specify which tax years they need to review for your refinance application?

I had this happen in 2022 and again last year. Both times my transcript showed nothing for about 10 weeks, then suddenly updated all at once. When I finally got my refund, it included interest because it took so long! Check if you have any credits like EITC or CTC - those trigger automatic longer reviews. I remember being concerned just like you are now.

Ngl, had the same issue but it resolved itself. Filed Jan 24th, WMR said processing forever, transcript showed zilch until mid-April. Then boom - everything updated at once and got my DD 3 days later. No explanation, no letter, nothing. IRS gonna IRS I guess. Hang in there!

Has anyone tried calling the actual IRS agents instead of just the automated line? I was having this same problem and couldn't figure out what was going on. Tried for days to get through on the regular number but kept getting disconnected. Finally used Claimyr (https://www.claimyr.com) and actually got connected to a real person in about 15 minutes? They explained that my account had a temporary security flag because I logged in from a new device, which was causing the WMR error but not affecting the phone system. Might be worth checking if something similar is happening with yours?

I had this EXACT issue on April 2nd! The website kept giving me that error about incorrect information, but the phone system worked fine. I was really worried because I needed my refund for some unexpected expenses. On April 5th, I suddenly got access again on the website AND my refund status had updated to approved! Got my direct deposit on April 8th. It seems like sometimes the system locks you out right before updating your status. Hope this means good news is coming your way too!