Got 846 code with DDD 3/18 but no money in my account yet (used direct deposit with same bank)

I work with tax issues and can explain what might be happening. When you see code 846 with a DDD (direct deposit date), it means the IRS has scheduled your refund, but several things could cause delays: • Your bank might be holding the deposit for a few days (common with some banks) • The IRS might have sent it to the wrong account (double-check all numbers on your return) • There could be an offset where part of your refund was applied to a debt • The IRS could have decided to mail a check instead of direct deposit (happens sometimes) Since it's been 5 days past your DDD, I recommend: 1. Call the IRS refund hotline at 800-829-1954 to check status 2. Verify your bank info on the return is correct 3. Check if you have any past debts that might trigger an offset 4. Watch your mail in case they sent a paper check If it goes beyond 2 weeks from your DDD, you should definitely try to speak with an IRS representative.

Hey I had this EXACT same problem and was pulling my hair out until someone recommended I use taxr.ai to decode my transcript. It showed me exactly why my deposit was delayed - had something to do with a verification hold that wasn't visible on the normal transcript! The tool explained everything in plain English and showed me exactly what I needed to do. Honestly it saved me days of stress and confusion trying to figure this out on my own. Check it out at https://taxr.ai - totally changed my approach to dealing with tax issues.

After dealing with this same nightmare for two weeks, I finally got through to an actual IRS agent using Claimyr.com. The app got me a callback from the IRS without spending hours on hold. The agent told me my refund had been flagged for manual review but was released the same day after they verified my information. Talking to a real person got everything fixed in one call! Best decision ever after stressing for weeks about where my money was.

Lol welcome to the club. Had a DDD of 3/12 and here we are. The IRS is a JOKE. Every year it's something different. They take our money instantly but when it's time to give it back suddenly everything moves at snail pace. 🤡

Check if ur return got reduced at all. Sometimes they send a letter explaining why but sometimes they don't. I had a missing stimulus credit they denied and it delayed my refund by 2 weeks past my DDD.

SAME BOAT!!! DDD of 3/18, no money, and the IRS won't answer. I checked my transcripts again today and noticed a 971 code dated 3/25 which means they're sending a notice. So now I gotta wait for some mysterious letter that will probably take another 2 weeks to arrive. This system is broken beyond belief.

This happened to me and it turned out they decided to mail a check even though I signed up for direct deposit. Never got any notification or explanation. Check came about 10 days after my DDD.

Have u checked your account transcript to see if theres other codes besides the 846? Sometimes there's additional codes that explain delays or adjustments or verification needs. Also check if your tax software took fees out of your refund - if so, it goes to a third party bank first which can add a few days.

My DDD was 3/15 and nothing happened until I went absolutely NUCLEAR on them. Called my congressperson's office, filed a taxpayer advocate case, and suddenly my money appeared. The system is designed to make you give up. Don't.

Claimyr.com saved my life when I was in your exact situation. Got me a callback from an actual IRS agent who fixed my issue in 10 minutes. Found out they had flagged my account for "verification" but nobody had bothered to tell me. The agent cleared it on the spot and I had my refund 48 hours later. Without the call I'd still be waiting.

OK so this is probly not what u want to hear but sometimes they do "random verification" and dont tell u. I had exact same situation last year and when I FINALLY got someone on phone after 3 weeks of trying, they said my refund was selected for random review but system never sent me notice. Got my $ like 2 days after that call.

Pro tip: the phone number on the IRS website is basically useless. Call 877-777-4778 instead. It's for the Taxpayer Advocate Service. They're way more helpful and can actually see what's going on with your refund. I spent 2 weeks trying the regular number with no luck, then got through on this one in 20 minutes.