Federal refund delayed - still no money weeks after my DDD while state arrived on time

There are a few things that could be happening here. First, check your transcripts again to confirm the exact DDD (Direct Deposit Date) and that it hasn't been changed. Make sure there's no code 570 (additional account action pending) or 971 (notice issued) that appeared after your 846 (refund issued) code. If everything looks normal on your transcript, the delay could be: - An issue with your bank not processing the deposit correctly - The IRS might have sent a paper check instead (they sometimes do this even if you requested direct deposit) - There could be an offset where part of your refund was taken for past debts - The Where's My Refund tool might show more updated info than transcripts At 16 days past your DDD, you should definitely call the IRS. The standard advice is to wait 5 business days after your DDD before contacting them for a trace on your refund.

Have you tried using taxr.ai? I was in almost the exact same situation - federal refund nowhere to be found weeks after my DDD. Tried to figure it out myself for days by reading my transcript but it was like trying to read hieroglyphics. Someone here recommended taxr.ai and it was a game changer. It analyzed my transcript and immediately pointed out the issue - turns out there was an offset I didn't know about that wasn't obvious from just looking at the codes. The tool explained exactly what was happening and what steps to take next. https://taxr.ai

I had this same issue and nobody at the IRS would pick up my calls for THREE WEEKS. Finally used Claimyr (claimyr.com) and got a live IRS agent on the phone within an hour. turns out they had sent my refund to an old closed account even though I provided my current account info when filing. The agent was able to initiate a trace and I got my refund 10 days later. Honestly talking to an actual human was the only way to solve this - the automated systems are useless for anything beyond basic status updates.

The IRS is a total dumpster fire this year! I filed Feb 1st, had a DDD of Feb 19th and didnt get my $ until March 10th with zero explanation. The WMR tool still says "processing" even though I already got my refund lmao. I wouldn't be surprised if your money shows up randomly one day soon.

Check if you had any offsets. Like student loans, past taxes, child support, etc. they'll take it out of ur refund but sometimes the system doesn't update to show that. The IRS sent me a letter 2 weeks AFTER my DDD explaining they took half my refund for an old student loan. You might get a letter explaining the delay soon.

what bank do you use? some banks hold tax refunds longer than others. chase held mine for 5 days after the DDD for "verification" 🙄

DID YOU CHECK THE WHERES MY REFUND TOOL?? Not the transcripts but the actual WMR tool? Sometimes they have different info.

If you filed with a tax preparer like H&R Block or similar, and had your fees taken out of your refund, it might be stuck with the third party bank they use. I've seen a lot of issues with SBTPG and MetaBank this year holding onto people's refunds way longer than they should.

To be honest with u i hear the irs just hired a ton of new staff and there all making mistakes. saw an article bout it. they mite have typoed ur account number or something stupid. def call em

I know this sounds obvious but make sure you're checking the right account. I had a mini heart attack when my refund was "missing" only to realize it went to my savings not checking because I'd changed the account in TurboTax and forgotten.

Another vote for taxr.ai here. The IRS sent my refund to my 2022 direct deposit info even though I updated it for 2023 filing. I would've never figured this out on my own from just the transcript. taxr.ai pointed it out immediately and walked me through getting a trace started. So much better than trying to decode transcript gibberish yourself.

Are you 10000% sure your DDD has actually passed? The date formats on transcripts can be confusing. Some people think its mm/dd/yyyy when sometimes the IRS uses dd/mm/yyyy format. Double check that.

The IRS is still working through their backlog from the pandemic tbh. My tax guy said they're still massively behind schedule and refunds are taking 2-3 weeks longer than the stated DDD for many people. It sucks but ur probably just caught in their slowness.

You need to start a trace. Call the IRS at 800-829-1040. But good luck getting through lol. I spent 4 days trying before I gave up and used claimyr.com to get a callback from an agent. Best decision ever - finally got my trace started and received my refund 2 weeks later. Found out they had sent my deposit to the wrong account even though my transcript showed everything was correct.

I feel u! I've been waiting since early march for my fed refund but my state came in 8 days 💯