I can explain EXACTLY what's happening here. The SSA website updates when your Schedule SE data is transmitted, which confirms your self-employment tax contribution (12.4% for Social Security + 2.9% for Medicare) has been recorded. However, this is COMPLETELY SEPARATE from your income tax processing! To verify your full return status: 1) Check your IRS account transcript for processing codes, 2) Look for code 150 which indicates tax return filed and posted to your account, 3) If you see codes 806/807, your payments have been applied, and 4) Look for code 846 which indicates a refund issued. I'm SO RELIEVED I figured this out last year after similar confusion!

This happened to me last semester! I saw my gig earnings on SSA in early February but my actual tax return wasn't fully processed until March 12th. I remember being super confused because I thought they were the same thing. Called the IRS after waiting on hold for like 2 hours and they explained that SSA just gets notified about your earnings for Social Security purposes, but that's just one piece of your tax return. The rest was still going through their system. Got my refund about a week after my transcript updated with the 846 code.

Did you check if there's a separate login portal specifically for Liberty Tax customers? Sometimes these tax prep companies have their own branded version of the Republic Bank portal that requires different login credentials. Also, have you tried calling Liberty Tax directly instead of Republic Bank?

This happens every year with these refund transfer products. I've seen this pattern repeat itself across multiple tax preparation companies. Back in 2022, I had a similar issue with Jackson Hewitt, and before that with H&R Block. These bank products add an extra layer of complexity that often causes confusion. Your refund is likely fine - it's just the tracking system that's problematic. Here's what I've learned works best: 1. Contact Liberty Tax directly - Republic Bank customer service often can't help with Liberty-specific issues 2. Check your IRS transcript directly if possible 3. Wait 24-48 hours after seeing your state refund before panicking about federal 4. Remember that the advance is separate from your actual refund processing

Adding some additional info about cycle codes that might help: 05 cycles are definitely weekly updates (Thursdays), while 01-04 are daily cycles. Compared to last year when I had an 01 cycle, my 05 cycle this year took about 8 days longer to process. The good news is that once you see that DD date on your transcript, it's usually very reliable. I'm slightly worried about the March 3rd date being a Sunday though - might not hit until Monday the 4th since banks don't typically process on weekends.

Be careful abt counting on that March 3rd date tbh. Had similar situation last yr w/ cycle 05 and PATH. Transcript showed DD but then got hit w/ random verification delay. Ended up waiting another 60 days! IRS sent letter requesting docs I'd already submitted w/ return. Super frustrating. Might wanna check ur mail regularly just in case they need more info. Not trying to be negative but just sharing what happened to me.

Back in 2021, I had a similar issue and found that requesting a tax advocate helped speed things up. You can qualify for a tax advocate if the delay is causing significant financial hardship. Since you mentioned needing the refund for your property tax payment, you might qualify. I called the Taxpayer Advocate Service at 1-877-777-4778 and explained my situation. They assigned someone to my case within a week, and my transcript updated shortly after they intervened.

Has anyone noticed that February filers seem to be having more delays than March filers this year? I filed on February 14th and still nothing, but my sister filed on March 10th and already received her refund on April 1st. Is the IRS processing newer returns before the backlog? This makes no sense to me.

Based on my analysis of 142 reported cycle codes from the 2023 tax season, weekly codes (05 in position 2) had an average processing time of 22.3 days from acceptance to refund, while daily codes averaged 18.7 days. Your 20250503 code indicates you're in week 5 processing, which historically has a 24.1 day average processing time due to higher volume. With today being approximately day 14-17 of your processing (assuming recent filing), you're likely 7-10 days from refund if following statistical norms.

Has anyone with a similar cycle code (20250503) received their refund yet? I'm in the same boat and getting a bit anxious since I need this money for a car repair next week! 😬

There's a lot of confusion about this, so let me clarify. The 846 code isn't just a notification - it's the actual authorization for payment. Did you know the IRS processes these in batches? They run their main cycle on Wednesdays, which is why many people see transcript updates on Thursdays and Fridays. Your bank might show a pending deposit before you check your transcript, but the 846 code was almost certainly there if you had checked at the right time. The code and the payment authorization are essentially the same process.

Last year I was in the same boat as you, checking my transcript constantly! Then one morning I checked my bank account first and the refund was there - I was shocked! When I checked my transcript immediately after, there was still no 846 code. I panicked thinking maybe it wasn't really my refund. About 6 hours later when I checked again, the transcript had finally updated with the 846 code dated for that same day. So technically I got my refund before seeing the code, but I think it was just a timing issue with when the systems update. The stress of tax season is real!

I was in this situation last year - it was like watching a turtle race through molasses! My refund was offset for an old tax debt, and the remaining balance took about 3 weeks to arrive. It's like the IRS has to manually count each penny twice before they'll send you what's left. The worst part was not knowing when it would come, so I kept checking my bank account like a kid waiting for Santa. Hang in there!

IRS offsets are slow. Treasury takes their cut. Rest comes later. Usually 2-3 weeks. Sometimes longer. Check WMR daily. Look for status change. Call if nothing after 30 days.

I'm really worried about trusting these fintech tax services now! 😫 I used Column through MoneyLion and just realized my home office deduction completely disappeared. How can we even trust that our returns were filed correctly? What if we're all getting audited because of their mistakes?! I'm seriously freaking out about this!

I've used Column Tax for exactly 3 tax seasons, including this one. They had precisely 2 major system updates this year which I believe caused the issues we're seeing. I tracked 17 different deductions for my small business, and 4 of them disappeared in the final return. Their customer service took exactly 8 business days to respond, but they did eventually fix everything. I'd recommend everyone double-check their returns against what was actually submitted to the IRS.

I've been through this exact situation in previous tax seasons. Back in 2022, Colorado had similar delays, though for different reasons. Here's what you need to know: 1. Colorado DOR is currently experiencing a 30-45 day processing time for most returns (compared to their usual 14-21 days) 2. If you filed electronically and claimed certain credits, your return is likely in the "enhanced verification" queue 3. The fastest way to check status is through Revenue Online (create an account if you haven't) 4. They typically process returns in the order received, but certain factors can move you to a different queue 5. If it's been more than 45 days, calling is your best option (though extremely difficult to get through) The good news is that when they finally process your return, if you're due a refund, they add interest for the delay period beyond 45 days.

Colorado DOR implemented enhanced fraud detection algorithms for TY2023 returns that are causing systematic delays across the board. Their internal processing queue prioritizes certain return types based on complexity factors and verification requirements. I've observed that returns with Schedule E income or non-W2 earnings are experiencing the longest delays, while simple returns with only W-2 income are moving through faster. If your AGI exceeds certain thresholds or you've claimed specific deductions like business expenses, expect additional verification steps. The system is functioning as designed, just with significantly reduced efficiency compared to previous filing seasons.

Have you considered bringing a change of address confirmation from USPS as additional proof? In my experience from February 2024, this carried significant weight with the verification agent. They seemed to view it as official government documentation that supported my explanation.

The IRS Authentication Protocol for in-person verification requires biographic verification (your ID) and residential verification (proof of address). The standard procedure allows for documentation discrepancies if you can provide supplementary evidence. A utility bill, bank statement, or lease agreement with your current address should suffice as secondary verification. The verification threshold is typically met with two concordant documents, even if your primary ID shows a different address.