My tax refund is under review & IRS says I have to wait 45 days - help!
I'm at my wit's end and honestly starting to feel pretty down about this whole situation. Filed through TurboTax on Feb 5th and got my state refund back super quick (about 10 days ago), but my federal return is suddenly "under review" and I'm getting the runaround. Called the IRS multiple times and every rep tells me something different! First one said I was "randomly selected" for a 45-day review period that starts March 19th. When I asked why, they just said "we randomly select returns, nothing personal." Next rep claimed they're "verifying everything on my return." Another one said it could be "any number of things" and the last one told me they're specifically "verifying I qualify for the credits I claimed." The only consistent thing they ALL told me is that there's nothing I can do but wait - either my refund will process or I'll get a letter in the mail. I'm so stressed because I've never had this happen before! I didn't file differently or claim anything new compared to previous years. My kids and I could really use this money right now. The thought of waiting until summer for my refund is making me sick with worry. Has anyone dealt with this "45-day review" thing before? Will it actually take that long or is there hope I might get it sooner? I'm desperate for some reassurance that this will work out.
23 comments


Angel Campbell
This happens more often than you'd think! The IRS does conduct random reviews of returns, especially ones claiming certain credits like the Earned Income Tax Credit (EITC) or Additional Child Tax Credit. These reviews are part of their fraud prevention measures. The 45-day timeframe is standard procedure when they're verifying information, but many returns clear the review process much faster. In my experience working with taxpayers, most of these "random reviews" resolve within 2-3 weeks rather than the full 45 days they quote. You're doing exactly what you should - there's nothing to submit or verify unless they specifically request something from you. The different explanations from the reps are frustrating but actually make sense - they're all describing slightly different aspects of the same review process. If you received your state refund without issues, that's generally a good sign that there aren't major problems with your return. Try checking your transcript online through the IRS website - sometimes it shows more detailed information about what's happening with your return than the "Where's My Refund" tool.
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TommyKapitz
•Thank you for the reassurance! I didn't know about checking my transcript - how exactly do I do that? Is it difficult to set up? Also, is there anything I should do to prepare just in case they DO need additional documentation from me? I claimed the Child Tax Credit but haven't had issues with it in previous years.
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Angel Campbell
•You can access your transcript by going to IRS.gov and searching for "Get Transcript Online." You'll need to create an account if you don't already have one, which requires some verification steps like providing information from your credit report, a loan account number, or mobile phone verification. It's a bit involved for security reasons, but definitely worth setting up. There's no need to prepare any documentation unless they specifically request it through a letter. If they do send a letter, it will clearly state exactly what they need. For Child Tax Credit verification, they typically ask for proof that the children lived with you (school records, medical records, etc.), but again, don't worry about this unless they actually request it. Most of these reviews complete without any additional documentation needed.
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Payton Black
I went through something similar last year and discovered taxr.ai (https://taxr.ai) after hours of frustration with the IRS. They have this amazing transcript analyzer that helped me understand exactly what was happening with my "under review" status when the IRS phone reps were giving me conflicting info. I uploaded my tax transcript and it highlighted exactly where in the process my return was stuck and what the codes actually meant. Turns out my return wasn't randomly selected - there was a specific verification happening with my child care credits. Their explanation was so much clearer than anything I got from calling the IRS. The tool also estimated when I'd likely receive my refund based on similar cases, which gave me some peace of mind instead of just staring at the "45 days" warning. Might be worth checking out in your situation!
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Harold Oh
•How does it work with the transcript exactly? Do you need to already have access to your IRS transcript or does it help you get it? I'm in a similar situation and the IRS website keeps rejecting my attempts to create an account.
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Amun-Ra Azra
•I'm skeptical about using third-party services for sensitive tax info. Is it really secure? And how much does it cost? Seems like something the IRS should provide for free.
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Payton Black
•You do need to get your transcript first from the IRS website, then upload it to their system. They don't help with accessing the transcript initially, but once you have it, their analysis tools make understanding it so much easier. If you're having trouble creating an IRS account, you might need to request a transcript by mail instead - takes longer but works when online verification fails. The service uses bank-level encryption for all documents, and they don't store your personal information after analysis - just the tax codes and timeline data. I was cautious too, but after researching their security practices I felt comfortable using it. The basic transcript analysis is very affordable compared to paying for professional tax help, and considering the peace of mind it gave me during a stressful waiting period, it was totally worth it.
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Harold Oh
I tried taxr.ai after reading about it here and WOW - it actually helped! I was in the same situation (refund under "review" with the 45-day message) and was getting nowhere with the IRS phone line. The transcript analysis showed my return was caught in something called a "570 freeze code" that none of the IRS reps had mentioned. The tool explained it was likely because I had a change in income from last year that triggered an automatic verification - NOT a random audit like I was told. It gave me a predicted release date based on similar cases, and guess what? My refund was deposited almost exactly on that date, about 3 weeks earlier than the "45 days" the IRS quoted me. Just knowing what was actually happening instead of getting vague answers made the waiting so much easier!
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Summer Green
When I had a similar issue last year, I was spending HOURS trying to get through to someone at the IRS who could actually help. After three weeks of frustration, I found Claimyr (https://claimyr.com) and watched their demo (https://youtu.be/_kiP6q8DX5c). It was a complete game-changer for my sanity. Instead of waiting on hold for 2+ hours (or getting disconnected), they got me connected to an IRS agent in about 15 minutes. The agent I spoke with was actually knowledgeable and explained that my review was happening because I had changed jobs mid-year, which flagged my W-2 information for verification. She told me exactly what to expect next and gave me a more accurate timeline than the generic "45 days" message. Having that direct conversation with someone who actually checked my specific case details made all the difference in my stress level.
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Gael Robinson
•How does this actually work? Do they have some special access to the IRS or something? I've tried calling so many times and always get the "high call volume" message.
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Amun-Ra Azra
•This sounds too good to be true. If there was a way to skip the IRS queue, wouldn't everyone be using it? I've spent hours on hold and doubt any service could actually get me through faster.
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Summer Green
•They don't have special access to the IRS - they use an automated system that navigates the IRS phone tree and waits on hold for you. When they reach a live agent, you get a call connecting you directly to that agent. It's basically like having someone wait on hold for you instead of tying up your phone for hours. The reason everyone doesn't use it is simply that most people don't know it exists. The IRS phone system is designed to handle calls in the order received, but most people give up after long wait times. This service just handles the waiting part so you don't have to. Trust me, I was skeptical too, but after spending literal days trying to get through on my own, having someone connect me directly to an agent in minutes was absolutely worth it.
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Amun-Ra Azra
I need to apologize and eat my words about both services mentioned here. After my skeptical comments, I was so desperate after another failed attempt to reach the IRS that I tried Claimyr. I got connected to an IRS agent in exactly 17 minutes (timed it!) after spending 3 hours earlier that same day trying to get through on my own. The agent was able to see that my review was actually due to a mismatch between my reported income and what my employer submitted - something none of the previous reps had mentioned. The agent provided me with the exact documentation I needed to submit and a fax number to expedite the process. Two weeks later, my refund was approved. Without that specific information, I would have been waiting the full 45 days (or longer) with no resolution. Sometimes being a skeptic costs you time and money - lesson learned!
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Edward McBride
The 45-day review happened to me last year too. In my case, they were verifying my eligibility for the education credits I claimed. I never received any letter requesting additional information, and my refund showed up exactly 32 days after the review started. One thing that helped me track what was really happening was checking my tax transcript every few days. The codes on there will update as your return moves through their process, and it's much more informative than the generic "Where's My Refund" tool. Keep your spirits up! Most of these reviews are just procedural and don't mean you did anything wrong. The IRS is just overwhelmed and takes longer than they should for these verification processes.
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TommyKapitz
•Thanks for sharing your experience! Did the transcript show you were under review before you got the refund? Or did anything change on it during those 32 days?
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Edward McBride
•Yes, my transcript showed a "570" code (which means they're holding your refund for review) followed by a "971" code (which typically means they're sending a notice). About three weeks in, I saw a "571" code appear (which means they released the freeze on the account) followed by an "846" code with my refund date. During that waiting period, the transcript updated several times showing the progress, while the "Where's My Refund" tool just showed the generic "Your return is being processed" message the entire time. That's why the transcript is so much more useful - you can actually see movement happening even when the regular tool shows nothing.
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Darcy Moore
Has anybody tried amended returns after being stuck in review? I'm worried if I submit one it'll just make things worse, but I realized I missed claiming a deduction.
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Dana Doyle
•DO NOT file an amended return while your original is under review! This will almost certainly delay things further and potentially create a much bigger headache. Wait until your current return finishes processing and you receive your refund before filing an amendment.
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Aria Park
I'm going through the exact same thing right now! Filed on February 12th and have been stuck in that dreaded "under review" status for weeks. Like you, I've called multiple times and gotten completely different explanations each time - it's so frustrating when they can't give you a straight answer. What's really helped me is setting up weekly reminders to check my transcript online rather than obsessing over it daily. I know it's easier said than done when you're stressed about the money, but the transcript updates more frequently than the "Where's My Refund" tool and actually shows you the processing codes. From what I've learned reading through this community, most people in our situation get their refunds within 3-4 weeks rather than the full 45 days they quote. The IRS seems to always give the worst-case scenario timeline to cover themselves. Hang in there - you're definitely not alone in this, and it sounds like your return is pretty straightforward if your state processed without issues. The waiting is the worst part, but it will resolve!
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Landon Flounder
•Thank you so much for sharing your experience! It's such a relief to know I'm not the only one going through this right now. The different explanations from the IRS reps have been driving me crazy - one day they tell me it's random, the next day they say they're verifying credits. It's like they're reading from different scripts! I really appreciate the tip about checking the transcript weekly instead of daily. I've been obsessing over the "Where's My Refund" tool multiple times a day and it's just showing the same generic message. I'm definitely going to set up that IRS account this weekend and start monitoring the actual codes instead. Hearing that most people get their refunds in 3-4 weeks gives me so much hope. The thought of waiting until summer was making me sick with worry, especially with kids to take care of. It's good to know the IRS tends to give worst-case timelines. Thanks again for the encouragement - sometimes you just need to hear from someone else going through the same thing to feel less alone in this mess!
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Carter Holmes
I completely understand your frustration - I went through this exact situation two years ago and it was absolutely nerve-wracking! Filed in early February, got hit with the "under review" status, and like you, every IRS rep gave me a different story about what was happening. What really helped me was realizing that the 45-day timeframe is their absolute maximum - kind of like when you're told to arrive at the airport 2 hours early but usually don't need nearly that much time. In my case, the review took about 28 days total, and my refund hit my account on a Wednesday morning when I least expected it. The fact that your state refund processed quickly is actually a really good sign. State and federal systems cross-reference each other for major discrepancies, so if there were serious issues with your return, your state would likely have flagged it too. I know it's hard not to worry when you need that money, but try to focus on the fact that you filed everything honestly and haven't changed anything from previous years. These reviews are mostly automated checks, and the vast majority resolve without any action needed from you. Keep checking that transcript as others suggested - it really does show more progress than the generic "Where's My Refund" tool. You've got this! The waiting is horrible, but it will work out.
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CyberSiren
•This is such a reassuring post, thank you! I love the airport analogy - that really puts the 45-day timeline in perspective. It makes so much sense that they'd give you the worst-case scenario upfront rather than risk having to extend deadlines later. 28 days sounds so much more manageable than 45! And you're absolutely right about the state refund being a good sign - I hadn't thought about how they cross-reference each other. That actually makes me feel a lot better about the whole situation. I'm definitely going to try to shift my mindset from "what if something's wrong" to "this is just a routine check." You're right that I filed everything honestly and didn't change anything, so there's really no reason to panic. Thanks for taking the time to share your experience - sometimes hearing from someone who's been through the exact same thing and came out fine on the other side is exactly what you need to hear!
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Amara Nnamani
I'm going through the exact same nightmare right now! Filed on February 18th and have been stuck in "under review" status for over a month. The inconsistent answers from IRS reps are maddening - I've been told it's everything from a "random audit" to "income verification" to "credit validation." What's helped me cope is joining online communities like this one where people share real experiences rather than the generic responses you get from official sources. Reading through everyone's stories here, it seems like most people are getting their refunds in the 3-4 week range despite the scary 45-day warning. I've also started treating this like a forced savings account - the money IS coming, it's just taking longer than expected. I know that doesn't help with immediate financial stress, but it's helped me mentally reframe the situation as a delay rather than a crisis. One practical tip: if you haven't already, take screenshots of your "Where's My Refund" status and any transcript codes you can access. Sometimes seeing the progression over time (even if it's slow) can be more reassuring than just checking daily and seeing the same message. Hang in there - from everything I've read here, it sounds like your situation is completely normal and will resolve soon. The waiting is brutal, but you're definitely not alone in this!
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