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Payment Plan Balance Disappeared - Will I Get Remaining Refund?
Had a payment plan for 2022 taxes. First payment went out March 1. Checked my account Friday. Saw a balance. Today it's gone. Checked transcripts. My 2024 refund paid off what I owed. Should be money left over. No 846 code on 2023 transcript yet. What happens next? Will I get the remaining refund? Seems odd they took what I owed but haven't sent what they owe me. Any insights?
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How quickly does SBTPG update to funded after transcript update?
I'm just wondering... how soon after IRS transcripts update will Santa Barbara Tax Products Group update to funded? I'm being extra careful this year because TurboTax wouldn't approve me for a refund advance. They said I owed something, but I've checked and double-checked that there's nothing on the offset line for either me or my husband. I'm trying to track exactly when SBTPG receives the funds so I know when to expect my refund. I do gig work so this refund timing matters a lot for my budget planning. I just want to make sure I'm not missing anything obvious here.
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Don't bother with SBTPG's website. It's notoriously unreliable. Call them directly at their customer service line instead. Their website can lag behind by days, but the phone reps can see if they've received the funds in real-time. I did this last year and found out my refund was already processing even though the website showed nothing. TurboTax's advance rejection is a separate issue - their algorithm is extremely conservative this year due to increased fraud concerns. Focus on tracking the actual refund through IRS sources instead of relying on TurboTax or SBTPG's systems.
I'm going through this exact same situation right now! My transcript updated with the 846 code on Thursday, and I've been refreshing SBTPG every few hours since then. Still showing "unfunded" as of this morning, but based on what everyone's saying here, I should see it update by tomorrow hopefully. The TurboTax advance rejection really threw me off too - I triple-checked everything and can't find any issues with my return either. It's reassuring to hear that their system might just be overly cautious this year. Thanks for asking this question because all these responses are super helpful for understanding the timeline!
How do you know about tax offset? Checking if IRS will take your refund
I'm trying to figure out how to tell if the IRS is planning to take my tax refund through an offset. I created an account on the IRS website and checked everything I could find, but I don't see anything there that indicates I have penalties or owe money. Would the IRS website actually show if there's an offset against me? I'm worried because I had some student loans in the past and heard they might grab my refund before I ever see it. I'm counting on that money to catch up on some bills so I'm getting anxious about it. Does anyone know where exactly on the IRS website this information would appear? Or is there another way to find out about potential offsets before I file? Thanks for any help!
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Don't forget to check with your state department of revenue too! IRS offsets are federal, but states can also take your state refund for debts like unpaid tickets, toll violations, etc. I found out the hard way when my state refund vanished last year for a parking ticket from 3 years ago that had doubled with penalties.
That's a great point. My husband had his state refund taken for child support arrears even though he was current on payments. Turns out there was an accounting error and we had to fight to get it back. Always good to check with both federal AND state before counting on that money.
Yes! And what's worse is that sometimes the different government departments don't communicate well with each other. I had paid the ticket but it wasn't properly recorded in their system. If you're concerned about state offsets, most states have their own offset programs you can call to check, similar to the federal TOP system. Just search "[your state] tax refund offset phone number" and you should find the right contact info.
I appreciate all the helpful advice here! Just wanted to share my experience from last year when I was in a similar situation. I was worried about a potential offset and called the Treasury Offset Program number (1-800-304-3107) that Emma mentioned. The automated system was really straightforward - it just asked for my SSN and immediately told me I had an offset for an old student loan debt. What I learned is that even if you think you've paid everything off, sometimes there can be administrative delays or errors in the system. In my case, I had made payments but they weren't properly applied to my account. I was able to contact the Department of Education directly and get it sorted out before my refund was taken. One tip: if you do find out there's an offset, don't panic! Many agencies will work with you on payment plans or may even remove the offset if you can prove the debt was paid or there was an error. Just make sure to act quickly once you know about it.
PATH Act 2025: Weekend Feb 15th impact on refund release dates + Presidents Day delay?
Getting anxious about PATH act lifting this year since February 15th falls on a weekend. Anyone know if this means we'll have to wait until Tuesday after Presidents Day to see our refunds? Filed early and claimed EITC so I know I'm affected by PATH.
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My tax lady said direct deposits usually hit Wednesday or Thursday after presidents day. Been filing with her for 5 years and shes always right
Same situation here! Filed Jan 27th with EITC and CTC. From what I've read, the IRS systems will still process on Feb 15th even though it's Saturday, but yeah the banking delays from Presidents Day weekend mean we're probably looking at Feb 19th-21st for actual deposits. It's frustrating but at least we know the PATH hold will officially lift on time.
Chime Early Direct Deposit for Tax Refund - Path Act lifted on 15th/17th
My transcript shows path lifts between the 15th and 17th. Anyone know how many days early Chime usually deposits refunds? Keep hearing 5-6 days early but not sure if thats accurate anymore with all the delays this year.
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Word of advice dont count on early deposit dates. Banks be playin games and IRS moves slower than a snail climbing mount everest 🐌
lmaoo facts tho 😭
Been using Chime for 3 years now and can confirm it's usually 2-5 days early like others mentioned. But this year has been weird - some people getting theirs super early, others waiting forever. The key thing is waiting for that 846 code on your transcript with your actual DDD. Once you see that, then you can start counting down for when Chime might release it early. Good luck! 🤞
Leeann Blackstein
The IRS community wisdom on this is pretty consistent - when a refund pays off a payment plan, you'll get what's left over but it takes time. Last year my brother had this exact scenario. He had about $3,200 in his refund, owed $1,800 on a payment plan, and was expecting $1,400 back. It took almost exactly 3 weeks after the offset for the remaining refund to process. The IRS systems handle these in batches, so patience is unfortunately the name of the game here.
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Brianna Muhammad
Did your brother get any kind of notice about this process? I'm wondering if the IRS sends an official explanation or if you're just supposed to figure it out from the transcript codes.
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JaylinCharles
Thanks for sharing this timeline! It helps to know what to expect. I'll try to be patient for the next few weeks and hope my remaining refund shows up without having to make any calls.
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Samuel Robinson
Just went through this exact situation in January! My 2024 refund wiped out my remaining 2022 balance, and I was left wondering where my extra money went. The key thing I learned is that the IRS processes offsets and remaining refunds as completely separate transactions. Your payment plan is automatically terminated once the offset happens - no more monthly payments needed. I checked my transcript obsessively for about 10 days before the 846 code finally appeared. The remaining refund showed up about 5 business days after that code posted. Pro tip: don't panic if you don't see movement for 2-3 weeks - their system really does work through these methodically, just not on our timeline!
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