I'm dealing with the exact same frustrating situation right now! Filed my amended return in early April to add some missing rental income that I discovered when organizing my records, and it's been over 3 months with nothing but that completely unhelpful "received" status on their tracking tool. What's really driving me crazy is how they can process regular returns so efficiently with their electronic systems, but somehow need months and months for what should be straightforward corrections. The 16-week estimate they give is clearly meaningless when everyone here is waiting 6-8 months or longer. I've tried calling the amended return hotline at least 6 times now and either get disconnected after waiting forever on hold, or I can't even get into the queue. It's like they've designed the system to make us give up and just accept these ridiculous delays. Reading through everyone's experiences here, I'm definitely going to try contacting my congressional office next week. I had no idea that was even an option, but it sounds like it's the only way to actually get through to someone who can provide real information. It's absolutely insane that we need political intervention just to get basic customer service from the IRS, but if that's what it takes, I'm willing to try anything at this point. Thanks to everyone for sharing their stories and strategies - it really helps to know I'm not alone in this bureaucratic nightmare!

I'm going through the exact same awful experience right now and it's honestly mind-boggling how broken this system has become! Filed my amended return back in March to correct some missing state tax withholdings that I discovered on a late-arriving W-2, and here we are in July - over 4 months later - with absolutely nothing but that useless "received" status. What really frustrates me is that this was such a straightforward correction that actually increases my refund (the additional withholdings I forgot to claim), yet somehow it requires this endless manual review process while my original return was processed electronically in under 3 weeks. The contrast is just stunning. I've called that amended return hotline at least 10 times and have never once gotten through to an actual human being. Either I get disconnected after waiting on hold for over an hour, or the system won't even let me into the queue. It's like they've intentionally made it impossible to get real information. Based on all the success stories shared in this thread, I'm definitely going to contact my congressman's office this week. It's completely ridiculous that we need our elected representatives to intervene just to get basic customer service from a government agency, but if that's the only way to get actual answers about our own tax returns, then that's what we have to do. Thanks everyone for sharing your experiences and strategies - it really helps to know we're all suffering through this bureaucratic nightmare together!

This is super helpful info! I'm currently on day 3 of waiting and was starting to get really anxious about where my refund went. The IRS site shows "sent to financial institution" but nothing in my account yet. Going to call that number (877-552-7255) tomorrow morning and use the exact wording you suggested. It's actually somewhat reassuring to know this is a widespread issue with Cross River's enhanced security measures rather than something specific to my refund. Really appreciate you taking the time to research this and share the direct contact method - probably saving a lot of people from unnecessary stress! Will definitely keep checking my account daily and update if I get any new info from calling them. Thanks again! 🙏

This is incredibly helpful - thank you so much for sharing all this detailed info! I've been waiting 4 days for my refund and was starting to panic thinking something went wrong. Just called 877-552-7255 and followed your exact instructions - the rep confirmed they have my deposit and it's currently in their security review process. She said it should release within 2-3 business days. It's frustrating but honestly such a relief to know my money isn't just lost somewhere. Really appreciate you doing all the research and providing the direct contact method. This probably saved hundreds of people from having complete meltdowns! Going to keep checking my account obsessively until it posts 😅

Since no one mentioned this specifically - Cash App should provide you with tax documents in their app. Go to the profile tab, then documents, and see if there's anything there. If your activity was minimal ($5 total), they probably didn't generate anything, which actually makes your life easier for tax filing. Just keep good records of your purchases and sales for when you do hit reportable thresholds.

Just to add some clarity on the thresholds - Cash App (and most brokerages) are required to send 1099-B forms if you have gross proceeds from sales of $600 or more in a tax year, OR if you had any reportable transactions regardless of amount (like certain corporate actions). Since you only have $5 total and haven't sold anything, you're well below any reporting threshold. The key thing people get confused about is the difference between having stocks worth $5 (not taxable) versus selling stocks and making $5 profit (technically taxable but practically ignorable at that level). You're in the first category, so you're good to go. Just remember that when you do eventually sell, that's when the tax clock starts ticking!

Anyone know if TurboTax handles this ESPP situation correctly? Last year it seemed to mess up my cost basis and I ended up having to manually override some numbers.

Just wanted to add my experience as another data point - I had a very similar ESPP situation last year where I sold shares at a price between my discounted purchase price and the original FMV. The key thing that helped me understand it was realizing that the IRS essentially treats ESPP transactions as if you received the discount as regular compensation income, then immediately purchased the shares at full market value. So in your case, it's like the IRS views it as: you received $1.28 per share in compensation income, then bought shares at $8.56, and are now selling at $7.69. Hence the ordinary income on the discount plus the capital loss on the difference. One practical tip: make sure to keep detailed records of your grant dates, purchase dates, and the FMV on both dates. You'll need these for proper reporting, especially if you have multiple ESPP purchases throughout the year. The brokerage statements don't always make this clear.

This thread has been incredibly helpful! I'm new to both BoA and the whole tax refund process, so I wasn't sure what to expect. My DDD is coming up next week and I was worried about timing since I have some bills due. Based on everyone's experiences here, it sounds like BoA is really reliable with that early morning posting window. I'm definitely going to set up those mobile notifications that were mentioned - seems way less stressful than constantly checking my account balance. Has anyone noticed if the deposit notifications work reliably, or do they sometimes get delayed? I'd hate to miss the alert and then spend the whole day wondering if it came through or not.

I've been banking with BoA for over 5 years and can confirm everything mentioned here about their deposit timing consistency. For tax refunds specifically, I've tracked my deposits and they're incredibly reliable - always hitting between 3:00-4:30am Eastern on the exact DDD, never early, never late. One thing I'd add for those waiting on future refunds: if your DDD falls on a weekend or holiday, BoA will still process it on that exact date, unlike some banks that delay until the next business day. This has saved me stress during holiday weekends when I needed the funds for planned expenses. Also, for anyone new to BoA's mobile alerts system - definitely set the threshold low (like $10) so you catch everything. I learned this the hard way when I missed a smaller deposit because my threshold was set too high. The notifications really are a game-changer for peace of mind, especially during tax season when timing matters for bill payments and financial planning.