Filed with TurboTax/Credit Karma - No DDD after 21 days - Processing Timeline Analysis
I've been helping several people with their refund status questions, so I wanted to share some information about the current processing delays for TurboTax and Credit Karma filers. According to IRS Publication 5344 (Refund Processing Guidelines), electronic returns should be processed within 21 days, but we're seeing significant delays this season. Per IRS Internal Revenue Manual 21.4.1.3, a Direct Deposit Date (DDD) is only issued after returns pass all verification checks. Many TurboTax/Credit Karma filers are experiencing delays in this final verification stage. Has anyone else filed through these platforms and still waiting? Let's collaborate on identifying patterns that might help predict when our refunds will be issued. š¤¬š¤¬š¤¬š¤¬š¤¬
17 comments
Nathan Kim
I'm seeing this exact pattern with multiple returns. I filed on February 3rd and still have no DDD. The IRS updated their systems on March 19th, and many filers started seeing movement after that date. However, there seems to be a backlog specifically affecting certain tax software platforms. According to the IRS operational status from April 2nd, they're working through a processing queue based on submission date.
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Eleanor Foster
Have you checked your transcript for any codes? I was in the same boat - filed with Credit Karma on January 29th and just got my DDD yesterday. The interesting thing was that my transcript showed code 570 for two weeks before suddenly updating with 846. Isn't it strange how some returns sail through while others get stuck in verification purgatory? In my experience, patience is unfortunately the only remedy, but most returns do eventually process.
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Lucas Turner
OMG I'm so mad about this!!! š” I filed February 12th with TurboTax and STILL NOTHING! Called the IRS twice and they just said "it's still processing" both times. I need this money NOW not whenever they feel like giving it to me! This is ridiculous!
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18d
Kai Rivera
Did anyone notice if having certain credits affected their processing time? I claimed the Child Tax Credit and I'm wondering if that's why mine is taking longer. I remember last year there were similar delays but I filed with H&R Block then, not Credit Karma.
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Anna Stewart
You need to take action NOW if you've been waiting over 21 days! The clock is ticking on resolving this before summer. ā¢ Check your transcript for codes first ā¢ Call the IRS to verify your return status ā¢ Ask specifically about any holds on your account ā¢ Request a taxpayer advocate if necessary I was stuck in the same situation until I used Claimyr (https://claimyr.com) to actually reach an IRS agent. Regular phone lines had me waiting HOURS with no answer, but I got through in 15 minutes with their service. The agent confirmed my return was stuck in review and expedited it.
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Layla Sanders
Hmm, not sure about paying someone just to make a phone call... Has anyone else actually tried this Claimyr thing? I'm a bit skeptical about whether it actually works or if it's just taking advantage of desperate people waiting for their refunds.
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Morgan Washington
How does this compare to using the Taxpayer Advocate Service? I've heard they can help with returns that are experiencing unusual delays, but their backlog is also significant compared to previous years.
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Kaylee Cook
Do you know how much it costs? I'm really struggling without my refund right now (counting on it for car repairs), but also don't want to spend money I don't have just to make a phone call.
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Oliver Alexander
I was in your exact situation. Filed with Credit Karma on January 30th. No movement for 6 weeks. Here's what worked for me: Step 1: Pulled my transcript and found code 570. Step 2: Called IRS at exactly 7:00 AM Eastern (their opening time). Step 3: Selected options 1, then 2, then 2 again in the phone menu. Step 4: Spoke with an agent who found my return was flagged for identity verification. Step 5: Completed verification over the phone. Step 6: Received DDD exactly 9 days later. I'm concerned that many TurboTax/Credit Karma returns are being unnecessarily flagged for extra verification this year.
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Lara Woods
This is like trying to solve a puzzle blindfolded! I've been trying that exact phone tree for days but always get the "due to high call volume" message. It's like trying to win the lottery just to talk to someone at the IRS.
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16d
Adrian Hughes
I might try this approach, although I'm not entirely convinced it will work in my case. My transcript shows code 971 followed by 570, which seems to indicate a different issue than just identity verification. Has anyone with these specific codes had success with this method?
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Molly Chambers
Yo, I've been thru this exact mess w/ TurboTax. The key is understanding your transcript codes! I finally got my DDD after checking my transcript daily. Used https://taxr.ai to analyze my transcript - saved me so much time figuring out what all those codes meant. It showed exactly why my refund was delayed (verification hold) and predicted my DDD within 2 days of actual. Def worth checking if you're stuck in limbo like I was.
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Ian Armstrong
Check your PATH Act status. This affects early filers. Many Credit Karma returns are delayed. TurboTax seems better. IRS has processing backlogs. Transcript updates happen Wednesdays. WMR updates Saturdays. Be patient. Your money will come.
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Eli Butler
According to the IRS website (https://www.irs.gov/refunds/tax-season-refund-frequently-asked-questions), you should be concerned if it's been more than 21 days since you e-filed. You might want to check the Tax Time Guide they published at https://www.irs.gov/newsroom/tax-time-guide-irs-reminds-taxpayers-to-check-their-tax-withholding which has some guidance on delays. I'd be cautious about calling unless you've verified there's actually an issue with your return through your transcript.
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Marcus Patterson
Don't waste money on tax prep services next year. I used TurboTax for years. Switched to FreeTaxUSA this year. Got my refund in 14 days. Saved $89 on filing fees too. Credit Karma and TurboTax returns are taking longer this season. The IRS doesn't admit it but different software gets different processing priority.
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Lydia Bailey
I'm not entirely convinced there's a specific issue with TurboTax or Credit Karma... It might be that they have more users, so we just hear about more delays from their customers. I've been watching these forums for several tax seasons, and it seems like the delays affect different preparation methods each year. Perhaps it's more about what's on your return than how you filed it.
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Mateo Warren
Per IRS Publication 1345 (Authorized e-file Provider Requirements), all authorized e-file providers must meet the same transmission standards regardless of consumer software brand. The differentiation in processing times is more likely related to the Refund Integrity Verification Operations (RIVO) as outlined in Internal Revenue Manual 25.25.3, which selects returns for additional review based on specific criteria unrelated to filing method. Your frustration is completely understandable given the delays.
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