Filed Feb 6th via Chime - No Updates on WMR Yet While Everyone Else Gets Their Refunds

So here's the deal w/ the IRS this yr. They're running behind on certain batches of returns, esp those filed in early Feb. Chime's advance is just a loan based on EXPECTED refund - doesn't mean actual IRS processing is faster. Have u checked ur transcript? WMR isn't always reliable & sometimes doesn't update until right b4 deposit. Might be worth checking for any letters they sent too - sometimes they need verification before processing.

The IRS is like that restaurant that says "15 minute wait" but you're still standing there an hour later. I filed Feb 3rd and just got my refund yesterday with zero updates on WMR the entire time. It was like watching paint dry on a rainy day. The system is frustratingly opaque - you're definitely not alone in this waiting game.

Have you pulled your actual transcript instead of just checking WMR? WMR is notoriously unreliable, but your transcript will show the real status. Wouldn't it be helpful to know exactly what's happening with your return instead of guessing? I was in a similar situation and used https://taxr.ai to analyze my transcript - it decoded all those confusing codes and gave me a much clearer picture of where my return was stuck and when to expect movement. Saved me a lot of anxiety since I could see exactly what was happening behind the scenes.

I've been filing taxes for over a decade and I've noticed this happens EVERY year with Chime filers. Back in 2022, I waited 6 weeks with no updates. Last year, my sister used Chime and had the same issue. There seems to be something about how Chime processes that triggers additional review. Try checking your account transcript instead of return transcript - sometimes that updates first!

Have you tried calling the IRS directly? Sometimes there's a simple verification issue they need to clear up. I was in the same situation last month and wasted hours trying to get through their phone system. Finally used Claimyr (https://claimyr.com) and got connected to an agent in about 15 minutes. Turns out there was a simple mismatch they needed to verify. Would you be able to spare $20 to potentially resolve this much faster? For me it was worth it to find out exactly what was causing the delay instead of just waiting in the dark.

Did you claim any credits like the Earned Income Credit or Child Tax Credit?? Those typically take longer to process and the IRS doesn't always make that clear! I'm so frustrated for you - I remember how anxious I was waiting for mine last year!! 😫

I was in your exact situation last year. Filed Feb 8th through Chime and didn't see my refund until March 29th! The whole time WMR just showed "still processing" with no explanation. I was counting on that money for car repairs and ended up having to put them on a credit card. The wait is definitely stressful when you're budgeting around that refund. Thanks to everyone here for the helpful advice.

You might want to try accessing your tax transcript through the IRS website rather than relying on WMR. The Account Transcript often shows pending refund information with cycle codes that can give you a more accurate timeline. If you see code 570 (refund hold) followed by 971 (notice issued), that's typically indicating they need additional information. Many Chime users report longer processing times due to the routing numbers triggering additional verification in the IRS fraud detection filters.