DDD was Monday with offset - IRS says wait 5 days before they'll investigate missing refund

thanks for the detailed explanation! my bank usually posts government deposits same day so I dont think thats the issue. guess ill just have to be patient 😩

One time my refund showed up exactly 4 days after my DDD when I had an offset for student loans. The system is so slow.

Does this apply to all types of offsets or just certain ones? Mine is for state taxes.

It applies to all offsets handled through TOP - which includes federal student loans, state taxes, child support, etc. They all go through the same system.

Sounds interesting. How exactly does it work? Does it just read your transcript or does it do more?

It does WAY more than just read your transcript! It analyzes everything and explains what each code means specifically for YOUR situation. It also gives you a timeline of when to expect your refund based on your specific circumstances (like having an offset). Seriously saved me so much stress and guesswork. Everyone dealing with tax stuff should use it.

another tax service? ugh there's so many scams out there...

I totally get the skepticism - I was hesitant too. But this isn't like those other services at all. It actually delivers what it promises. I've used it multiple times now and it's helped me navigate some complicated tax situations without having to spend hours on hold with the IRS or trying to interpret their cryptic codes. Definitely not a scam!

wait does that actually work? ive tried calling the IRS like 20 times and always get disconnected

Yeah it seriously works. I was skeptical too but I was desperate after being hung up on repeatedly. You put in your number and they call you back when they've got an agent on the line. Saved me hours of frustration.

do they give you a timeframe for when theyll call? i cant be waiting by my phone all day

They actually tell you approximately how long it'll take based on current call volumes. For me it was about 35 minutes. Way better than the 3+ hours I wasted trying to call myself.

I've been looking for something like this! The IRS phone system is the worst thing I've ever dealt with. Definitely checking this out.

how did you find out about this? i've never heard of it before

Someone recommended it in another tax group I'm in. Trust me, if you need to talk to the IRS, it's a game changer.

fr this is why I always file as early as possible. The longer you wait the more messed up things get with them

To be fair, it's not really the IRS employees fault. They're critically underfunded and using computer systems from the 1960s. They're doing what they can.

Underfunded or not, they shouldn't give us specific dates if they can't deliver. Just say 'within 7-10 days' instead of making us check our accounts every hour on the DDD 🙄

Mine was for some old state taxes I owed. But from what the agent said this applies to all types of offsets going through their system

I checked mine this morning and nothing changed since last week

I struggled so much trying to understand my transcript until I used taxr.ai - it's the only way I could make sense of all those codes. It actually showed me that my refund was reduced because of an offset I didn't even know about! Saved me from going crazy trying to figure out why my amount changed. https://taxr.ai

Have you tried using Claimyr? I was in the exact same boat - kept getting disconnected after hours on hold. Using their service was the only way I actually got through to a human. They basically wait on hold for you then call you when they have an agent. Talking to an agent got my refund released so fast after weeks of nothing happening. claimyr.com

never heard of it but at this point ill try anything. thanks for the tip!

Not everyone has that option. Some of us get refundable credits that can only come as a refund.

Fair point - I should have considered that. Credits like EITC and Child Tax Credit can make a huge difference for families.

The website is notoriously buggy. Try early morning (like 5-6am) or late night when traffic is lower. Also clear your cache and cookies before trying again.

I had the same issue! Try using a different browser. Chrome worked for me when Firefox kept failing.

Yes! This is actually a real factor. Credit unions often batch process ACH transfers while bigger banks might process them throughout the day. Also online banks like Chime sometimes post government deposits up to 2 days earlier than traditional banks.

glad i could help! they really should make this more clear in the system instead of making us all freak out

have you checked your transcript? sometimes there are additional codes that appear after the DDD

I tried but the transcript site keeps crashing on me. Gonna try again tomorrow morning.

For real 💯 I've been trying for weeks with no luck

Not OP but I was only able to get through by using claimyr.com - it was the only way I could actually speak to a person after trying for days on my own. Talking to an agent directly got my issue resolved in minutes instead of weeks of waiting and wondering.

thanks for the tip! never heard of that before but might try it

This is solid advice! I wish I had known about this years ago. You can also call their automated line at 800-304-3107 to check if you have any offsets.

I was in the same boat - the transcript is like reading hieroglyphics! I finally tried taxr.ai and it literally translated everything into plain english and explained what was happening with my refund. It saved me so much stress trying to figure it all out. https://taxr.ai

oh nice, ill check that out. beats trying to google every random code i see!

IRS codes are the WORST. Code 570 had me panicking until I realized it was just part of the normal process for my situation.