Filed February 15th - When should I expect direct deposit with Chime?

Thanks for the detailed info! I completely forgot about the PATH Act delay for EIC claims. I'll try to check my transcript online. Fingers crossed! 🤞

Good luck getting through to the IRS if you call that number! I spent 3 hours on hold last week and then got disconnected.

I had trouble gettin through to IRS too until I used claimyr.com. Got a callback and actually talked to someone who helped resolve my issue. Totally worth it when you need answers fast.

Is that service actually reliable? seems sus that they can get u through when nobody else can

100% worked for me. They basically wait on hold for you and call when an agent is ready. Saved me literally hours of frustration and I got my issue fixed in one call.

I used this too! The IRS agent even told me they're swamped with calls and it'll only get worse as tax season progresses.

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

It basically translates all those confusing IRS codes and dates into plain English. Shows you exactly where your return is in the process, if there are any issues, and gives an accurate timeline. Honestly wish I found it sooner - would've saved me weeks of anxiety. It even explains what each code means so you actually understand what's happening.

JUST TRIED THIS AND OMG!!! 🙌 It showed me exactly what was happening with my refund and why it was delayed. The IRS website is so useless compared to this! Everyone dealing with refund confusion needs to use this tool like yesterday.

does it need all your personal info? not trying to get scammed

You just upload your transcript that you download from the IRS site. Super straightforward and way better than guessing or waiting on hold for hours with the IRS.

That's really helpful to know, thank you! Gives me hope mine will be coming soon too.

I filed Feb 12 also with Chime and still nothing... did yours ever show the bars on WMR or just processing?

Mine just said "still processing" right up until it suddenly changed to approved the day before deposit. The bars never showed up for me this year for some reason.

How does that even work? The IRS phone system is literally designed to make it impossible to reach anyone 🤣

They have some system that navigates the IRS phone maze and holds your place in line. Then they call you when an agent is about to be connected. Talking to a real person solved in 10 minutes what I couldn't figure out in weeks of checking WMR.

This seems sketchy tbh

It's not sketchy, just a service that waits on hold for you. I've used it twice this year. It's like having someone stand in line for you at the DMV.

definitely not sketchy. just a smart solution to a frustrating problem. When you NEED to talk to the IRS but can't waste 3 hours on hold, it's literally a lifesaver.

They're understaffed and overwhelmed. My brother works for the IRS and says they're drowning in returns right now.

yes its ridiculous.. its our money and they make us wait forever to get it back. but if we owe them they want it instantly 💯

I work at a tax office and can confirm - this has been one of the slowest seasons in recent memory. IRS systems keep having issues too.

I've been trying to access my transcript but keep getting an error on the IRS site. Is there another way to view it?

Try accessing it early morning or late night when the site isn't as busy. Also make sure you have all the verification info they ask for (loan numbers, credit card, etc). If that doesn't work, you can request it by mail but that takes forever.

if you want to actually understand what your transcript means when you get it, use taxr.ai - it explains everything in plain english instead of cryptic IRS codes

Thanks for sharing your timeline! That helps set my expectations.

fr fr... if we owed them they'd be charging interest and penalties but when they owe us its just "be patient" smh

I gave up on calling after being on hold for 2+ hours twice. Used claimyr.com and actually got through to someone who could help me. Best decision ever.

This happened to me too! WMR never updated from "still processing" but the money showed up in my account anyways. The IRS systems are so broken 🤦‍♀️

YES! THIS! 💯 The transcript has all the actual info while WMR is basically useless.

Honestly, the transcript is just as confusing unless you know how to read IRS codes. I spent hours trying to figure mine out and still wasn't sure. Ended up using taxr.ai and it explained everything clearly. Worth checking out if you're stuck trying to decode the transcript yourself. https://taxr.ai

Can confirm. My sister works at IRS processing center and said they're drowning in returns right now and understaffed.