The 2-24-25 date is almost certainly a Transaction Date Code anomaly. The IRS maintains separate databases for return acceptance, processing, and refund issuance, and they don't always synchronize correctly. What's concerning is that your processing date moved from March to April. This could indicate your return has been selected for the Integrity Verification Operation (IVO) review, which is a fraud prevention measure. I'd recommend monitoring your transcript for a TC 420 code, which would confirm this theory.

Check account transcript. Not return transcript. Look for code 150. That's your return processed date. Check for 846 code. That's your refund issued date. Future date is normal. System quirk. Don't panic. Watch for updates weekly.

Think of your tax return like a package in the mail system. Right now, your package has been accepted at the post office (the acceptance confirmation), but it hasn't been scanned at the regional distribution center yet (transcript update). Sending a second package (paper return) won't make the first one arrive faster - it just creates confusion about which package to deliver. The transcript database and the processing system are separate, like how the USPS tracking system is separate from the actual delivery trucks. Sometimes your package is already on the truck even when the tracking hasn't updated. January filers are starting to see mass updates now as the IRS works through the backlog. The system often updates in batches, so you might go from nothing to a complete transcript overnight.

I might be able to provide some insight based on my experience from last year. I filed on January 23rd, 2023, and had essentially the same situation - accepted but no transcript data and WMR showing only the first bar. I possibly made a mistake by sending a paper return on February 20th, thinking it would help. What actually happened was that the e-filed return processed normally on March 2nd, but then my paper return created a duplicate filing issue that took until July to resolve. The IRS had to manually review both returns, verify they were identical, and then suppress the paper return from processing. It definitely, definitely delayed my refund by several months.

I successfully verified with my 2022 return last month! It's like trying to get through airport security with an expired ID - some agents will work with you while others stick to a strict interpretation of the rules. The key is persistence. Think of the IRS like a maze - there's always a path through, you just might need to try different routes. My third attempt worked when I brought both my returns and explained my situation calmly.

This happens more often than you'd think. Unlike at the DMV where policies are fairly standardized, IRS office experiences can vary dramatically depending on location, staffing, and even time of day. I've seen people get verified with returns from 2020 during the pandemic extensions, while others get rejected trying to use a perfectly valid 2022 return. If your local office gives you trouble, sometimes the offices in smaller towns have more flexibility compared to busy urban centers.

Have you checked your IRS account online? WMR only shows 3 basic stages, but your online account might show more detailed information. In my case, WMR showed nothing for exactly 31 days after filing, then suddenly updated to approved with a direct deposit date. The key thing to watch for is the 21-day mark - if you're beyond 21 days from acceptance date (which would be February 27th for you), you're technically eligible to call the IRS directly about your refund status. I'm concerned that with the PATH Act verification procedures, some 1099 returns are being held for additional review without notification.

I've been tracking refund patterns this tax season, and here's what I've observed: • State refunds typically process in 7-14 days • Federal refunds with W-2 only: 14-21 days on average • Federal refunds with 1099 income: 21-35 days on average • Federal refunds with both credits and 1099 income: 30-45 days The fact that you've received your state refund is actually a good sign. It confirms your banking information is correct and that there are no major issues with your filing. The IRS is just slower, especially with 1099 income that requires additional verification steps. I'd give it another week before getting concerned.

I believe you may want to verify your mailing address is correct with the IRS. Sometimes a 971 with $0.00 means they're trying to send you information but aren't making any financial changes. If you've moved recently, this could potentially delay processing if they need a response from you.

Code 971 means notice issued. Zero dollar amount means informational only. No financial impact. Check your mail soon. Could be identity verification. Could be processing delay notification. Could be math error with no tax change. Most likely nothing serious.

Last year my DD date was April 18th and it showed up in my Navy Federal account on April 16th around 3pm. The year before was similar - always 1-2 days early. I remember being so frustrated refreshing the app every hour until it finally showed up! Just don't count on it being exactly the same time of day.

Navy Federal typically releases tax refunds exactly 24-48 hours before the IRS direct deposit date. Based on the experiences of 47 members in our NFCU Facebook group, 42 received their refunds early, 3 received them on the exact date, and 2 had delays due to account verification issues. Your odds of getting it early are about 89% based on our community data.

Just got my refund today at 3:45pm EST! DDD was 2/24 and I use Chime. The Transaction Detail shows "IRS TREAS 310 TAX REF" followed by my SSN (last 4 digits). This is exactly 2 days before the scheduled deposit date, which aligns with Chime's Expedited Direct Deposit protocol. If your transcript shows Refund Issued with cycle code 20240704, you should see it very soon. Most ACH transfers from the Treasury are processed in 48-72 hour windows.

I had a DDD of 2/24 last year with Chime and didn't get it early at all. The IRS batched my payment in what they call a "Weekend Processing Group" which meant even though my transcript showed 2/24, the actual ACH transfer wasn't initiated until 2/24 itself. Have you checked your transcript for code 846? Without that, the payment hasn't even been sent yet. Be prepared to potentially wait until the actual date.

I believe it might be helpful to share that Navy Federal members should possibly check both their available balance and pending transactions frequently. Last year, I somewhat mistakenly assumed my refund was delayed when it was actually sitting in pending transactions for nearly 24 hours before becoming available. This seems to happen particularly with deposits that arrive after 3pm Eastern Time, which might remain in a sort of processing limbo until the following business day.

My experience with Navy Federal for tax refunds has been significantly better compared to my previous credit union. With my old credit union, they would consistently hold the funds until exactly the DDD regardless of when they received the ACH notification. Last year, my Navy Federal account received the deposit 36 hours before the official date on my transcript. The process was also much smoother than when I had Bank of America, which once placed a 5-day hold on my tax refund for "verification purposes" despite it being a government direct deposit.

I'm a bit cautious about these "early refund" features. It's kind of like those payday loan places that give you money a few days early but with hidden fees. Sometimes they're actually refund anticipation loans that can come with interest charges if you read the fine print. Not saying that's what happened in your case, but it's like ordering an expensive drink and not checking the price until the bill comes.

Navy Federal is great. They do this every year. It's not a loan. It's actual direct deposit. I got mine yesterday too. No fees involved. Just early access. Same thing happens with paychecks. Very reliable. Been with them for 10 years.

According to IRS Publication 1345 (Rev. 2-2023), tax preparers who offer Refund Transfer products must provide clients with a method to verify fee payment status. Liberty Tax satisfies this requirement through their MyLiberty portal under Section 7216 compliance guidelines. I successfully verified my fee payment by downloading my Liberty Tax receipt from the Documents section of MyLiberty. The document clearly showed my preparation fees ($189), filing fees ($44.95), and the date payment was processed. Their system is fully compliant with IRS requirements.

For anyone dealing with this issue in the future: always keep copies of your fee agreements. Unlike H&R Block or TurboTax which have transparent fee tracking, Liberty's system is less intuitive. Their customer service improves dramatically after April 15th. If you're filing next year, consider asking about their fee tracking options before choosing them as your preparer. Most importantly, calculate your expected refund amount before fees so you can verify if the correct amount was deducted.