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If you need the money urgently, there are tax refund advance loans available. But they usually charge fees so I'd only recommend as a last resort.
Do NOT do this. The fees are ridiculous. Just wait for your actual refund.
Pro tip: If you end up needing to call the IRS (which you probably will if your refund gets delayed), use Claimyr. I spent LITERAL WEEKS trying to get through to the IRS myself. Used Claimyr and had an agent on the phone within an hour. Best decision ever. claimyr.com
This has been the WORST tax year ever. Filed 2/10, still no refund, WMR is useless, can't reach anyone on the phone. I'm convinced they're deliberately holding our money to use it as long as possible. They charge us penalties and interest when we pay late but where's OUR interest for them being late with refunds? The whole system is rigged against us.
It's automatic - you'll see it as an additional amount added to your refund. The current rate is around 7% annually, which isn't bad actually.
I had a similar problem last year and even calling the IRS didn't help. No one could explain why my refund was delayed for months. Then I found taxr.ai and it instantly showed me the problem - an income mismatch where my employer reported slightly different wages than what I entered. The tool spotted the error right away and even told me how to fix it. Saved me hours of frustration. Getting help to decrypt the convoluted IRS system is always worth it.
Did anyone else get a partial refund? I was supposed to get $2,890 but only got $1,745 with no explanation. Transcript has some adjustment code 971 but I can't figure out what it means.
This happened to me last year - so confusing trying to figure out all those codes! I used taxr.ai this year and it explained everything clearly. Would have saved me so much stress if I'd had it last year when they adjusted my refund. It tells you exactly what each code means and why they changed your amount.
Thanks! I'll keep an eye out for the letter. And might check out that tool too, these transcript codes might as well be in another language šµāš«
I filed in January and I'm STILL waiting 𤔠The IRS is a joke
after struggling with this exact problem I found a service called Claimyr (claimyr.com) and they got me through to a live IRS agent in about an hour. The agent confirmed my verification letter had been sent and gave me the exact date to expect it. Talking to an actual person was so much better than the automated systems. It was the only way I could get real answers about my refund status.
Did it actually help resolve your issue faster or just give you more information?
The actual verification process still took the same time, but I was able to confirm exactly when they sent the letter and what type of verification they needed. Gave me peace of mind instead of wondering what was happening with my money.
Did you move recently or change addresses from your previous tax filing? That's usually what triggers these verification letters in my experience.
Yeah I moved last summer, so I guess that's why. Still seems excessive to delay everything for weeks over an address change.
Ella Knight
If your state refund also hasnt come through that's another sign you probably need to verify. When I had to verify, both federal and state were held up.
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William Schwarz
Did you claim any credits like EITC or Child Tax Credit? Those automatically get extra scrutiny and can cause delays even without needing to verify identity.
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Michael Green
ā¢I did claim Child Tax Credit. That might be part of the delay?
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William Schwarz
ā¢Yep that definitely could be it. Those credits get extra reviews. But still worth calling to make sure you dont also need ID verification.
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