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There are several reasons SBTPG can't find your info: β’ PATH Act delays mean IRS hasn't released funds yet β’ SBTPG only receives data after IRS approval β’ System synchronization between IRS and SBTPG takes 24-48 hours β’ Bank holiday delays can impact processing timeframes I wouldn't trust SBTPG's system for accurate status updates. Their database only updates after receiving confirmation from Treasury Direct, and they're notoriously slow with their status portal. Checking WMR or your transcript directly will give you more accurate information.
I filed on January 26th and was in the exact same situation. My SBTPG showed nothing until February 23rd, and then suddenly updated with all my information. Got my refund on February 25th. The PATH Act delay is real - they legally cannot process certain refunds until after February 15th, and then there's still processing time after that date.
Tax professional here. Tax Topic 152 is simply informational and indicates you're due a refund. It's not specific to any credit or deduction. The marketplace insurance form (1095-A) requires additional processing because the IRS needs to verify the Premium Tax Credit information against what was reported by the marketplace. Have you checked your tax transcript on the IRS website? That would give us a much clearer picture of what's happening with your return. Also, when you say "accepted" - is that what the IRS Where's My Refund tool shows, or just what Cash App is telling you?
I filed on January 24th with marketplace insurance and had exactly the same situation. My transcript showed no movement for exactly 21 days, then suddenly updated with a direct deposit date. The refund hit my account 2 days later on February 16th at 3:27am. The 1095-A processing adds time but doesn't mean anything is wrong. Based on the last three years of filing with marketplace insurance, my refunds have taken 21, 19, and 21 days respectively from acceptance to deposit. It's like clockwork once you know what to expect.
My experience was almost identical! Filed Jan 25th, had the 152 topic, and refund appeared on February 17th. The marketplace verification is definitely what causes the delay, but it's a normal part of the process.
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If you want to confirm your 806 code is correct, here's what to do: 1. Gather all your W-2 forms 2. Add up Box 2 from each form (Federal income tax withheld) 3. Check any 1099 forms for federal withholding 4. Add those numbers together 5. Compare that total to the amount next to code 806 They should match! I'm curious - does yours match up? I'm always interested in how accurate the IRS systems are at tracking withholdings.
I encountered Code 806 on my transcript, and it is, in most cases, the sum of federal income tax withheld throughout the tax year. For example, my transcript showed $24,680 beside Code 806, which was precisely the combined total from my primary employer ($22,130) and my consulting income ($2,550). The IRS generally applies this credit automatically based on information returns, such as W-2s and certain 1099s, that were submitted by January 31st. If there's any discrepancy, it might, though not always, indicate missing documentation or reporting errors.
Honestly, the IRS timelines are meaningless this year. They keep saying "21 days for most refunds" but I've seen people who filed in January still waiting while others who filed in mid-February already got their DDD. The Refund Cycle Chart used to be reliable but seems completely irrelevant for Tax Year 2023 processing.
I believe the current processing timeframe is approximately 21-25 days for most standard returns, though this can certainly vary based on several factors. If you claimed the Child Tax Credit, there may be additional verification processes that could potentially extend this timeline somewhat. In my experience, returns with a single dependent that don't have other complicating factors typically process within the standard window, assuming there were no flags raised during the initial review.
I was in this exact situation last year. According to IRS Publication 1345 (which outlines refund timing), the PATH Act restriction officially lifts on February 15th each year, but processing doesn't happen instantaneously for everyone. I waited 6 days after the PATH lift before getting my DDD, and the money hit my account 5 days after that. I'm a little worried the same will happen this year, but at least now I know what to expect.
FYI - the weekly cycles aren't as rigid as ppl think. IRS has been updating DDDs almost daily for some filers. PATH just means they couldn't issue refunds before mid-Feb, but they've been processing returns this whole time. Check your transcript for cycle code - if it ends in 05, you're def weekly. Your DDD could come tonight but more likely Fri. Don't stress too much, the $ is coming!
I experienced this exact situation with a client return. Filed February 2nd, transcript remained N/A until February 16th. Return had Child Tax Credit and was historically cycle 05. The 846 refund issued code appeared exactly 21 days after filing, with direct deposit occurring 5 business days later. The IRS is clearly prioritizing returns in a different sequence this year, with many cycle 05 filers experiencing delays of 3+ weeks before transcript visibility.
Tax professional here. The IRS implemented new processing algorithms this year that are causing delays in transcript visibility. Cycle codes (like your 05) refer to the weekly processing cycle when your return is scheduled for final processing, not initial intake. Many taxpayers are experiencing delayed assignment to their historical cycles. The current processing timeframe is approximately 21 days for non-complex returns, but transcript visibility often lags behind actual processing status. Some returns are being processed but not showing in the transcript database due to synchronization delays between IRS systems. I'd recommend checking again this Friday after 6am ET, as that's when cycle 05 updates typically post to the transcript database.
Have you verified whether the discrepancy is in Box 1 (Federal wages) or Box 3 (Social Security wages)? They're often different amounts due to pre-tax deductions. The SSA website typically displays the Box 3 amount, while you might be looking at Box 1 on your W-2 when entering into TurboTax. Also worth checking if you have multiple W-2s that might be contributing to the confusion.
According to IRS Revenue Procedure 2023-24, discrepancies under $25 between information returns and tax filings are considered de minimis and explicitly excluded from triggering automated notices. I had a similar $3 discrepancy last year and filed without correction. My return was processed normally with no questions, and my refund was deposited exactly as calculated. The IRS systems are programmed to expect minor variations due to rounding differences between reporting systems.
To check your refund status with the IRS: 1. Go to IRS.gov/refunds 2. Click on the "Where's My Refund" tool 3. Enter your SSN, filing status, and exact refund amount 4. The system will show if your return is received, approved, or sent However, this doesn't show fees deducted by tax preparers. For that information: 1. Log into your tax preparer's website (TurboTax, H&R Block, etc.) 2. Look for "Refund Status" or "Order Details" 3. Check your bank account for the final deposit amount Hope this helps!
As of April 12, 2024, the IRS Where's My Refund tool is still the official way to check your refund status. If you filed on March 1st or earlier, you should see your refund information there. However, if you're looking for information about fees being deducted, that depends on how you filed. On February 15th, I learned that if you paid your tax preparer using your refund, the IRS doesn't track those fees - your preparer does. The IRS only shows the full refund amount they issued.
So if the WMR tool shows my refund was sent, but I haven't received it yet, should I be concerned? It's been 4 days since the date they gave me.
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I had this same question last year. The WMR tool showed my refund was sent on April 18th, but it didn't appear in my account until April 23rd. My bank explained that they hold large government deposits for verification purposes. If it's been more than 5 business days though, you should probably contact your bank.
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I've been tracking my return with Tax Topic 152 for the past week. Has anyone noticed if the tax topic changes when your return moves to approved status? Also, does having a tax topic generally mean your return is taking longer than normal? I'm trying to understand if this is just standard information everyone sees or if it indicates something specific about my return.
Tax topics are much less concerning than error codes. When I had an actual error code (like code 1121), my return was delayed for 8 weeks. But when I just had Tax Topic 152, my refund processed normally - about 2-3 weeks total. It's similar to how Amazon might show "preparing for shipment" versus "problem with delivery" - completely different situations. If you're just seeing a tax topic without an error code, it's typically just the IRS's way of providing general information rather than flagging a problem.
Savannah Weiner
Oh my goodness, I remember being in your EXACT situation during my husband's deployment! It's so stressful handling everything while they're away! I found that transcript availability follows this general pattern: - Simple returns: 7-14 days after acceptance - Returns with credits: 14-21 days - Military returns with special situations: 14-30 days The waiting is absolutely agonizing when you're trying to manage everything alone during deployment. Hang in there! The transcript will update, I promise. Just make sure you're checking the right tax year in the dropdown menu - that tripped me up at first!
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Levi Parker
I'd like to clarify one technical point about transcript availability: there are actually four different transcript types (Return, Account, Record of Account, and Wage & Income). The Return Transcript is what most people look for first, but the Account Transcript often updates earlier and can show that processing has begun even when the Return Transcript shows as unavailable.
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Libby Hassan
Have you checked if you're looking at the right tax year? The dropdown defaults to 2023 right now. You need to specifically select 2024. Also, are you checking for the Return Transcript or Account Transcript? Account Transcripts update first and show processing status codes.
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Leo McDonald
Good catch. Easy to miss. Account transcript updates first. Shows processing codes. Return transcript comes later.
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Rebecca Johnston
Thank you so much for pointing this out! I think I might have been looking at the wrong transcript type. I'll check the Account Transcript instead of just the Return Transcript. Hopefully that will show something!
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