I had this exact same problem last year and it was driving me absolutely crazy! The rejection notice makes it sound like you're definitely missing a required form, but 99% of the time it's just a checkbox error in your tax software. Here's my suggestion: Go through your tax software's health insurance section methodically and look for ANY question that mentions marketplace coverage, premium tax credits, or advance payments. The tricky ones are usually worded like "Were you eligible for premium tax credits?" or "Could you have purchased insurance through the marketplace?" Even if you just browsed Healthcare.gov out of curiosity but never bought anything, answering "yes" to certain questions can trigger the 1095-A requirement. Since you confirmed with the marketplace that you don't have coverage through them, make sure every single health insurance question reflects that you had non-marketplace coverage (employer, private, etc.). The good news is once you find that one wrong checkbox and fix it, your return should be accepted immediately. Don't let the IRS phone system frustration get to you - this is totally fixable within your tax software!

This happened to me too and it's definitely one of the most frustrating tax issues to deal with! The key thing to understand is that your return is getting rejected because somewhere in your tax software you indicated you had marketplace coverage or received premium tax credits, not because you're actually missing a required form. Here's what I'd recommend doing step by step: 1. Go back into your tax software and find the health insurance/ACA section 2. Look for any question asking about marketplace coverage, healthcare.gov, state exchanges, or premium tax credits 3. Make sure you're answering "NO" to anything about purchasing coverage through the marketplace 4. Double-check that you've indicated you had employer coverage instead The most common mistake is accidentally saying "yes" to questions about being eligible for premium tax credits or advance payments. Even if you technically could have been eligible, if you didn't actually receive them because you had employer coverage, the answer should be "no." Also check if there's a question about whether anyone in your household shopped for or enrolled in marketplace coverage - even browsing without purchasing can sometimes trigger the 1095-A requirement if you answer incorrectly. Once you fix that checkbox, your return should go through immediately on resubmission. Don't give up on e-filing yet - it's much faster than going the paper route once you get the software answers right!

One thing that helped me when I was confused about my transcript was focusing on just the key sections first instead of trying to understand everything at once. For a mortgage application, lenders typically care most about: 1. Your filing status and AGI from line 150 (this shows your tax return was filed) 2. Any balance owed or refund amount 3. Whether there are any current holds or unresolved issues The cycle dates and transaction codes can be overwhelming, but for mortgage purposes, they're usually not scrutinizing every detail unless there's a red flag. Start with those basics and then dig deeper into the codes if you need to understand something specific. Also, if you see any codes starting with 84X, 97X, or 420-424, those typically relate to Earned Income Credit or Child Tax Credit issues which are common but usually not concerning for mortgage applications.

Great question! I was in the exact same position when I first got my transcript - it really does look like hieroglyphics at first glance. Here's what helped me break it down: Your transcript is essentially a chronological record of everything that's happened with your tax account. The most important sections to focus on are: **Account Summary at the top** - Shows your filing status, number of exemptions, and adjusted gross income (AGI). This is probably what your mortgage lender cares about most. **Transaction Section** - Each line shows a different action. The dates are in YYYYMMDD format, so 20231204 would be December 4, 2023. The dollar amounts show debits (what you owed) and credits (payments, withholding, refunds). **Transaction Codes (TC)** - These 3-digit numbers tell you what happened: - TC 150: Your original return was processed - TC 806: Withholding or estimated tax payments - TC 846: Refund issued to you - TC 570: Account hold (usually temporary) For your mortgage application, they're mainly verifying that your reported income matches what the IRS has on file and that you've been filing your returns. Don't stress about understanding every single code - focus on the big picture first! If you see anything that looks concerning or confusing, feel free to share (with personal info removed) and we can help decode it!

I'm right there with you - filed my amended return in August 2022 and still stuck in limbo! The frustration is real, especially when you see people getting their regular returns processed in weeks while we're sitting here almost 2 years later. Here's what's been working for me to stay somewhat sane while waiting: **Track everything systematically**: I created a simple spreadsheet to log every status check, phone call, and any changes I see. It helps me feel like I'm doing something productive instead of just waiting helplessly. **Use multiple tracking methods**: Don't just rely on the "Where's My Amended Return" tool. I check my account transcript monthly and sometimes catch processing activity there first. Look for transaction codes like 570 (additional account action pending) or 971 (notice issued) - these can give you clues about what's happening. **Consider your options if it drags on much longer**: The Taxpayer Advocate Service is definitely worth contacting if you can show any kind of impact from the delay. From what I've seen, they're pretty reasonable about what constitutes a valid case - you don't need to be facing foreclosure or anything that dramatic. **Know your rights regarding interest**: If your refund is substantial, the IRS owes you interest on the delay. Make sure to ask about this when (hopefully when, not if) your return finally gets processed. The whole system is absolutely broken right now, but hang in there. Based on what I'm seeing in this community, 2022 amended returns are finally starting to move through the pipeline. Our time should be coming soon!

I'm in exactly the same situation and feel your pain! Filed my amended return in June 2022 and it's been 20 months of absolutely nothing. The "Where's My Amended Return" tool has shown "received" since August 2022 with zero updates. What's really helped me cope with this nightmare: **Set realistic expectations**: I've accepted that 2022 amended returns are basically in purgatory right now. The IRS is prioritizing current year returns, and amendments are getting pushed to the back burner indefinitely. **Check your account transcript monthly**: Sometimes you'll see processing codes appear there before the online tool updates. Look for codes like 570 (additional review) or 766 (credit to account). At least it gives you something concrete to monitor. **Document your timeline**: Keep a record of when you filed, every status check, and any phone calls. If this drags on much longer, you'll need this documentation for the Taxpayer Advocate Service or potentially Tax Court if they try to claim statute of limitations. **Don't stress about calling yet**: Honestly, the phone wait times are brutal and the agents often don't have any more information than what's available online. Save your sanity for now unless something urgent comes up. The whole system is completely broken. It's infuriating that they can process regular returns in 21 days but take 2+ years for amendments. Based on what I'm seeing here, some early 2022 amendments are finally starting to move, so hopefully we're getting close to our turn. Hang in there - we'll get through this eventually!

OMG I was so worried about this same thing last month!! My offset was for old state taxes I didn't even know I owed! 😱 But I can confirm that YES, you absolutely do get whatever is left over after they take the offset amount. Mine took exactly 17 days from when my WMR status changed to "refund approved" until I got the remaining amount in my bank account. The waiting was awful but it did come through! Keep checking your bank account and be patient! 💕

Hey Amy! Just wanted to reassure you that you'll definitely get the remaining portion after the offset. I went through this exact situation two years ago with old student loan debt. The Treasury Offset Program will take what you owe (up to your full refund amount), and the IRS will send you whatever's left. In your case, if you owe $1,800 and are expecting $3,200, you should receive about $1,400. The process does add some time - mine took about 3 weeks longer than usual. You can actually check the TOP website periodically to see if your case status updates. Don't stress too much, the system works, it's just slower than we'd like! Also, consider setting up a payment plan for any remaining student loan balance to avoid this happening again next year.

Has anyone tried the "two-earner/multiple jobs worksheet" on the W4? My husband and I both work and I feel like we're always owing a ton at tax time despite both claiming "Single" on our W4s.

I went through something similar when I switched from hourly to salary. The key thing to remember is that the W4 is just instructions to your employer - you're not changing your actual tax liability, just the timing of when you pay it. For your situation making $4,800/month, $950 in federal withholding does seem high unless you have no deductions. A few suggestions: 1. Use the IRS Withholding Estimator first - it's free and official 2. If you're single with no dependents, you might be able to increase your take-home by claiming some estimated deductions in Step 4(b) 3. Don't claim "exempt" unless you had zero tax liability last year AND expect zero this year The restaurant industry can be tricky because tip income affects your withholding calculations. Make sure you're accounting for all your income when using any calculator. And remember - it's better to owe a small amount than get a huge refund, since that's basically giving the government an interest-free loan of your money.