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I've seen dozens of these cases resolve much faster than the worst-case scenarios. Reviews without document requests typically fall into three categories: 1) Identity verification (2-3 weeks), 2) Income verification against employer records (3-5 weeks), or 3) Credit eligibility verification (4-8 weeks). Compared to audit situations that can take 6+ months, yours is likely in a much better position. One client of mine had almost identical circumstances and received their refund in 32 days from the review start date.
This breakdown of the three review categories is really helpful! Do you know if there's any way to determine which category your return falls into based on the transcript codes or other indicators? I'm trying to figure out if my situation is closer to the 2-3 week timeline or the longer 4-8 week range.
@Zara Shah Great question! From what I ve'observed, you can get clues from your transcript codes and timing. Identity verification reviews the (fastest ones usually) show up within days of e-filing and often have TC 971 notices. Income verification typically appears 1-2 weeks after filing when the IRS cross-references with W-2/1099 data. Credit verification reviews often happen with returns claiming EITC, CTC, or education credits and may show additional TC codes in the 700s range. Check when your review status first appeared and what credits you claimed - that should give you a better sense of which category you re'in!
I went through this exact same situation two months ago - "under review" with no additional information needed for medical expense planning too. Mine took exactly 47 days to process, which was actually pretty close to the 45-day average mentioned by others here. What helped me was setting up daily transcript monitoring and documenting the timeline for my medical providers. I was able to show them the IRS review status and most were willing to work with me on payment schedules. The waiting is stressful, but the "no additional info needed" language is genuinely a good sign that it's just routine verification. Keep checking for that TC 571 code - when it appears, your refund should follow within days.
That's really reassuring to hear from someone who went through the exact same situation! The 47-day timeline gives me a realistic expectation to work with. I love the idea about documenting the IRS review status for medical providers - that's brilliant and something I hadn't considered. Most healthcare offices probably deal with insurance delays all the time, so they might be understanding about government processing delays too. Did you find that showing them the official IRS transcript helped, or was just explaining the situation enough? I'm definitely going to start checking daily for that TC 571 code now that I know what to look for.
Congrats on getting your 846 code! I'm still waiting on mine to update. For what it's worth, my sister got her 846 code yesterday with a 2/24 date and her Chime deposit hit this morning around 9am. So it looks like they're processing pretty quickly right now! I've been refreshing my transcripts obsessively while juggling work and family stuff too - the waiting is honestly the worst part. Fingers crossed yours shows up soon and you can get some relief from constantly checking! π€
That's such great news about your sister's deposit! 9am sounds like a pretty typical time for Chime to process these. I'm new to this whole transcript checking thing and honestly feeling pretty overwhelmed by all the different codes and waiting. It's really helpful to hear real examples of the timing working out. Thanks for sharing that - gives me hope that when my 846 finally shows up, I won't have to wait too much longer for the actual money!
Just wanted to chime in as someone who's been through this process multiple times! I got my 846 code yesterday with a 2/24 date and I'm also using Chime. Still haven't seen the deposit yet but based on what everyone is saying here, I'm expecting it within the next day or two. The waiting is definitely nerve-wracking, especially when you have bills to pay! I've found it helpful to set up the Chime notifications like someone mentioned earlier - saves me from obsessively checking the app every few minutes. Hope yours comes through soon and you can get that car situation sorted out! The IRS processing seems to be moving faster this year compared to last year's delays.
When I had a similar W2c issue, TurboTax had a specific section for entering W2c information. Is anyone using a particular tax software that handles this well? My accountant charged me extra last year because of all the corrected forms and I'm trying to DIY this year.
I went through this exact same situation two years ago! The key thing to remember is that the W2c completely replaces the information on your original W2. You should only use the corrected information when filing - so yes, use code W with the $13,340 amount. The reason for the code change makes total sense too. Code D is for your own 401(k) deferrals (money taken out of your paycheck), while code W is for employer HSA contributions (money your company puts into your HSA account). Your payroll department probably miscoded it initially. One thing that helped me was calling my HR department to confirm what actually happened. In my case, they had incorrectly categorized the employer's HSA contribution as a 401(k) deferral on the original W2. The good news is that employer HSA contributions (code W) are generally more favorable tax-wise since they don't count as taxable income at all. Make sure whatever tax software you're using has an option for entering W2c information specifically - don't just manually change the numbers from your original W2 entry.
This is really helpful! I'm actually dealing with something similar right now. Quick question - when you called your HR department, did they also send you any documentation explaining the correction? I'm wondering if I should ask for something in writing to keep with my tax records, just in case the IRS has questions later about why the codes changed so dramatically.
Kiara Greene
Thanks everyone for all the helpful advice! I found my Copy B - it was clearly labeled "To Be Filed With Employee's FEDERAL Tax Return" just like Chloe mentioned. I was overthinking it way too much. For anyone else confused like I was, here's what I learned: Look for the specific Copy B section on your W-2 (it's usually perforated so you can tear it off cleanly), attach it to the front of your 1040 with a small paper clip (not staples!), and make sure you're mailing to the right IRS processing center for your state. I'm getting this in the mail tomorrow so I can stop stressing about the deadline. Really appreciate this community helping out a tax newbie!
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Angelica Smith
β’So glad you figured it out! I remember being just as confused my first time filing. One thing I wish someone had told me earlier - if you're mailing your return, consider sending it certified mail or with delivery confirmation. It only costs a few extra dollars but gives you proof that the IRS received your return on time, which can be really important if there are any questions later about meeting the deadline.
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Rita Jacobs
Great advice from everyone here! As someone who's been filing paper returns for years, I can confirm that Copy B is absolutely required for federal returns. One additional tip - if you have multiple W-2s from different employers, make sure to attach ALL of the Copy B forms. I made that mistake once and had to mail in the missing ones separately, which delayed my processing. Also, double-check that all the information on your W-2 matches what you entered on your 1040. Even small typos in names or amounts can cause issues. The IRS computers are pretty good at catching discrepancies between what you report and what your employer reported. Good luck getting that return in the mail on time!
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Aisha Hussain
β’This is such valuable information! I'm also new to filing paper returns and had no idea about needing multiple Copy B forms if you have multiple employers. That would have definitely tripped me up. One question - when you attach multiple W-2s, do you paper clip them all together behind the 1040, or should each Copy B be clipped separately to different pages? I want to make sure I don't mess up the organization when the IRS processes everything.
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