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After 3 months waiting on my refund I kept getting different explanations on here about what was happening. Got so frustrated i finally used Claimyr (claimyr.com) to actually reach an IRS agent directly. Found out EVERYONE online was wrong about my situation - had nothing to do with verification and was actually a simple math error they fixed on their end. Talking to an actual agent was the only way I finally understood what was happening and got my money.
Yes! Got a callback within 3 hours and they fixed my issue right there on the phone. After 2 months of confusion and stress it was resolved in a 15 minute call. Absolute game changer if ur dealing with refund delays.
Anybody else notice how the worst advice always starts with "my friend's tax guy said..." š
The classic "I read on Reddit that..." š
SBTPG (TurboTax's bank) is holding your money. They receive it from IRS, take out the fees and loan amount, then send the rest to you. Usually takes 1-2 business days after DDD. If it gets to be Thursday with no deposit, call them directly at 800-901-6663.
I spent DAYS trying to get through to the IRS about a similar issue (though mine was more complicated - had a freeze code on my account). Finally used Claimyr.com and got an actual IRS agent to call me back in less than an hour. They fixed my issue on the spot and my refund was processed right away. Saved me so much frustration.
Try downloading the IRS2Go app. Sometimes it has more updated info than the website. My WMR tool showed nothing but the app showed my direct deposit date.
I'm an accountant and see this all the time. The PATH Act (Protecting Americans from Tax Hikes) requires additional verification for returns with EITC/ACTC which is why there's that mid-February holdback period. Even after the hold is released, there can be delays. If you have a DDD on transcript (code 846), your money is coming - just be patient. The IRS sends the money through ACH which typically takes 1-5 business days depending on your bank.
If its leadership credit union they are notoriously slow with tax refunds. My cousin works there and says they intentionally hold them for a few extra days to "verify" or something. Try calling again and specifically asking if there's a hold for verification.
Really? That's messed up. I'll definitely ask about that specifically when I call them again tomorrow.
Harper Collins
ATTENTION: If you filed with a tax preparer who takes their fees out of your refund, your money goes through a third party bank first (like SBTPG or Republic Bank) BEFORE reaching your account. This adds 1-2 more days to the process. Check if this applies to you!
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Kelsey Hawkins
My DDD was 3/15 with BoA and it hit my account at 3:30am today (3/16). Just woke up to it. Check your pending transactions, sometimes it shows there first before posting.
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