Getting a Direct Deposit Date of 4/15 - Anyone else seeing this?

Thanks for the response. This helps ease my mind a bit. Its been so stressful waiting!

Wells Fargo customer here - they held mine for 2 days last year after my DDD, so don't panic if you don't see it right away on the 15th

The 971 could also be for an adjustment notice if the refund amount changed. Did your expected refund amount stay the same OP?

Actually it changed! Expected $3,289 but transcript shows $3,112 now. Wondering why...

That explains the 971 - they adjusted your refund and will send a notice explaining why. Usually it's a math correction or missing document. The good news is you're still getting 95% of what you expected!

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

It analyzes your entire transcript and explains EVERYTHING - shows you when you'll get paid, why there are delays, explains each code, tells you what notices mean, even calculates interest. Seriously a game changer during tax season. I was about to pull my hair out before finding it!

another app promising magical solutions? 🙄 how is this different from just googling the codes?

Totally understand the skepticism lol. The difference is it reads YOUR specific situation and timeline. When I googled codes I got generic explanations that didn't help me understand how they all connected or what would happen next. This actually showed me exactly why my refund was delayed and predicted my DDD almost perfectly.

this sounds like an ad. does this actually work or is it another scam?

Nah I get why you'd think that. I was sketchy about it too but after trying to call IRS myself for TWO WEEKS and always getting the 'call volume too high' message I was desperate. It basically holds your place in line and calls you when it gets an agent. Saved me literal hours of my life.

wait they can actually release your refund over the phone? I thought you had to wait for the system to process everything?

Depends on the issue. In my case it was just a verification flag that needed to be removed. The agent confirmed my identity and cleared the hold. Not all issues can be fixed instantly but many can if you actually reach a human!

any service that claims to get u thru to IRS sounds sketchy af... how does it even work?

It does the calling for you using their system that keeps trying different IRS numbers and departments until it gets through. Then it calls you and connects you to the agent. Beats me listening to hold music for 3 hours only to get disconnected 🤡

That's awesome! Gives me hope that Wells Fargo might drop early too!

Chase is known for early deposits. Wells Fargo...not so much lol. They'll probably make you wait until exactly 4/15 😂

Yeah chase been pretty good to me. They usually drop 2 days b4 the actual date. Last year they came through a day early too.

Have you tried pulling your transcripts to see if there's any indication of why you have the hold? Sometimes there's a simple reason that can be fixed.

yeah transcript just shows the 570 with no explanation. No 971 notice code either which is weird. I think im gonna have to call them and find out whats going on.

I was in the exact same situation - stuck with 570 and no explanation. taxr.ai helped me figure out it was a income verification issue. Worth checking out before spending hours trying to reach someone on the phone.

Good point! I did use TurboTax and had fees taken out. Going to check the SBTPG site now.

This is 100% true. WMR is outdated garbage. Transcripts are updated first and more reliable.

how do you even access the transcript? i tried logging in but it wanted me to verify my identity with ID.me and that process was a nightmare

Yeah the ID.me verification is a pain. You can also request transcripts by mail if you can't get through the online verification, but that takes 5-10 days.

SSN ending in 3 here, also got 4/15 DDD. I think it's more related to when your return finished processing than your SSN.

mine ends in 9 with DDD of 4/15 too...dont think its SSN related

Only every 30 mins? I'm refreshing every 5 mins at this point lol

I literally set up notifications on my banking app so I'd stop obsessively checking. Now I just obsessively check my phone for notifications 🤡

Glad I'm not the only one 😂 keep refreshing wells fargo hoping for an early surprise!

This is super helpful info - thanks for sharing! Quick question: if the DDD falls on a weekend, does it usually come the Friday before or Monday after?

Great question! If the DDD falls on a weekend, the IRS will actually send it the Friday before. However, some banks still won't process until Monday. Credit unions tend to be better about weekend processing.

Have you pulled your transcript? What codes are you seeing?

Just a 570 code from 3/5 and nothing since then. No idea whats going on.

You definitely need to call them. A 570 with no 971 for that long usually means they need something from you but failed to send a notice.

ughhh i tried calling but can never get through. always says high call volume.

Try claimyr.com - it got me through to a real person after weeks of failed attempts. The agent was able to tell me exactly what was wrong and fixed it during the call.

Preach 🙌 The IRS already knows how much we owe/are owed in most cases. This whole dance is just a waste of everyone's time and money.

Its because the tax prep companies lobby to keep it complicated so they can charge us to figure it out. Complete racket.

I've been trying to understand my transcript for weeks and was about to give up. Just checked out taxr and it literally explained everything in 2 minutes. Why doesn't the IRS make their systems this clear??

Right?? The IRS seems to intentionally make everything confusing. My favorite part was how it explained WHY I was getting each notice instead of just what the codes meant.

Whats the catch with this claimyr thing? Seems too good to be true that they can get through when nobody else can

It's basically an automated system that keeps calling different IRS lines until it gets through, then calls you. Saved me hours of frustration and hold music. They do charge for the service but it was worth it to finally get answers.

is it safe though? do they need your personal info?

They don't need any tax info. They just need your phone number to call you back once they get an agent on the line. Then you talk directly to the IRS.