Credit Karma Card Users: Did Anyone With 3/15 DDD Actually Get Their Refund?

I had a DDD of 3/15 with Credit Karma too and still nothing in my account. I called the IRS yesterday and they said sometimes it can take up to 5 business days after the DDD for the deposit to actually post, even though previous years it was always on the exact date. The rep told me not to worry unless it's still not there by the end of this week. Hope this helps!

I was in a similar situation last month with my refund. I was stressing out checking my CK account every hour until I discovered taxr.ai - it instantly explained what was happening with my refund. Instead of trying to decode cryptic IRS messages or waiting forever on hold, it analyzed my transcript and showed exactly where my refund was in the process and why there was a delay. It's insanely good! I use it every week to track any changes. Just visit https://taxr.ai and you'll actually understand what's happening instead of guessing.

After waiting 10 days past my DDD with no deposit and getting nowhere with the automated system, I finally got a real human at the IRS using Claimyr.com. Got a callback in 15 minutes instead of waiting on hold for hours. The agent confirmed my refund was actually sent on 3/15 but explained there was a routing issue with Credit Karma. She helped fix it and my deposit showed up the next day. Best money I've ever spent to finally get my questions answered instead of stressing for days more.

I had a DDD of 3/15 with Credit Karma and got mine on 3/16 actually. Maybe check if your banking info is correct on your return? One year I typed one digit wrong and it caused a huge delay.

From what I understand, the DDD is just when the IRS releases the funds, not necessarily when it hits your account. Banks can take different amounts of time to process. Credit Karma has been slower for me this year too compared to last year. My DDD was 3/8 and didn't hit until 3/13.

Pro tip: If ur still waiting on ur refund with Credit Karma, check ur IRS transcript not just WMR. Sometimes WMR is delayed in updating. Login to IRS.gov, go to Get Transcript, and look at ur 2023 Account Transcript. Look for a 846 code with the date - that's ur ACTUAL refund issue date. If that has changed or has some other codes after it, that's probably why ur waiting.

The IRS is a joke this year. I had my DDD of 3/1 with Credit Karma and it took a full week to show up in my account. No explanation, just had to wait. Meanwhile bills were due and I was counting on that money. 🤮

I've learned never to depend on IRS timelines. They say one thing and do another. My experience with Credit Karma has been that they're usually 2-3 days after the DDD, but this year some people in my tax group have reported waiting 5-7 days. It's frustrating but eventually it should show up.

Literally just checked my CK account after seeing your post and my refund hit! My DDD was 3/15 too. Maybe check again? Sometimes they post later in the day.

Have you verified that your routing and account numbers on your tax return are correct? I've had issues in the past where I accidentally transposed digits and my refund went into limbo for weeks until the IRS kicked it back and issued a paper check. Worth double-checking your tax forms!

OK YALL listen up because the same thing happened to me last month with Credit Karma. Turns out they had put a HOLD on large deposits over a certain amount for "verification purposes" and DIDNT EVEN NOTIFY ME. I had to contact them through the app chat and specifically ask if there was a hold. Once I did that, they released it same day. Try asking specifically about holds or verification delays when you call them.

My DDD was 3/14 and I got mine right on time with Credit Karma, but I've noticed it seems to depend on the amount? Smaller refunds (under $2k) seem to process faster than larger ones based on what I've seen in other groups. How big is your refund if you don't mind sharing?

i ran into this EXACT issue last week!!! what worked for me was downloading the taxr.ai app - it analyzed my transcript and showed that while the irs HAD sent my refund, there was a code showing the bank rejected it due to name mismatch (my married name vs maiden name problem). saved me weeks of waiting and wondering!!! https://taxr.ai

Just want to say I HATE how the IRS sets expectations with these DDD dates and then doesn't meet them. They should just give realistic timeframes instead of specific dates that don't mean anything. Been dealing with this for years and it never gets better. 🤬

Did you have any fees taken out of your refund? Like did you pay for your tax filing through your refund? If so, that can add a few days because it goes through a third party first.

Here's what I learned from working at a bank (not CK specifically): The DDD is when the ACH transfer is initiated, not completed. Then it goes to a clearing house, then to CK's processing department, then posting to your account. Each step can take 24-48 business hours. That's why the IRS says allow 5 business days from DDD before worrying. It's not ideal but it's normal for the banking system.

Same boat, DDD 3/15, CK card, and nothin yet. Spending my lunch breaks refreshing the app like a crazy person 🤡

After struggling with a similar issue, I finally got through to the IRS using claimyr.com. Turns out there was a flag on my account that was delaying my refund despite having a DDD. The agent removed it and my money showed up 2 days later. Talking to an agent got my refund released so fast instead of waiting around wondering. Seriously the only way I could actually get a human on the phone!

I'm an accountant and see this ALL THE TIME this year. There are massive delays with several banks including Credit Karma. The issue is volume - the IRS is processing refunds in batches and some batches are getting delayed on the receiving end. Nothing to worry about yet, but if it goes beyond 5 business days from your DDD, then call the IRS directly to confirm it was actually sent.