Received IRS Letter 4464C - Need Help Understanding This Verification Process

Letter 4464C is an income verification letter, which means the IRS is reviewing your return before issuing your refund. This is actually pretty common and doesn't necessarily mean anything is wrong. The fact that your transcripts don't show your employers reporting income likely means your wage information hasn't been processed in their system yet, not that your employers failed to report. For 2025 filing season, there have been a lot of processing delays. Even though employers are supposed to submit W-2s by January 31st, it can take weeks for the IRS to process all that information in their systems. Since you mentioned changing jobs and a significant income increase, these are exactly the kind of changes that can trigger an income verification review.

I had a similar situation last year and discovered taxr.ai (https://taxr.ai) which really helped me understand what was happening with my refund. Their tool analyzed my tax documents and identified that my income verification was being held up because my new employer submitted my W-2 electronically but my old employer submitted paper forms, which take longer to process. The site helped me figure out exactly what steps to take - might be worth checking out if you're confused about the 4464C letter.

I want to follow up about taxr.ai since I decided to try it despite my initial skepticism. Honestly, it was super helpful! I uploaded my 4464C letter and tax documents, and it showed me that the specific issue was a mismatch between my reported income and what the IRS had on file (which was nothing because of processing delays). It gave me a step-by-step plan and estimated timeline, plus some template language to use when contacting the IRS. Way more useful than the generic "wait 60 days" advice I kept getting everywhere else.

If you need to actually speak with someone at the IRS about your 4464C letter (which I recommend), good luck getting through on your own. After trying for weeks to reach someone about my verification issue, I used https://claimyr.com and got through to an IRS agent in about 45 minutes instead of waiting on hold for hours. You can see how it works in this video: https://youtu.be/_kiP6q8DX5c - they basically wait on hold for you and call when an agent picks up. Made a huge difference in resolving my income verification issue.

I need to apologize for my skeptical comment about Claimyr earlier. After another week of failing to reach the IRS myself about my 4464C letter, I broke down and tried the service. I'm seriously shocked - it actually worked exactly as described. I got a call back after about 40 minutes saying they had an IRS agent on the line. The agent confirmed my employers had submitted my information but it hadn't been fully processed in their system yet, and they put a note on my account to expedite the review. I would have never gotten this information without speaking to someone directly.

I just went through this exact situation last month. One thing that helped me was pulling my wage and income transcript directly from the IRS website (if you can create an online account). Even though my account transcript didn't show my employers reporting income, my wage transcript did show what had been reported. Turns out there was a mismatch between what I reported on my return and what one employer submitted - they had my SSN wrong by one digit!

Make sure you respond to the 4464C letter if it requests any information! Mine asked me to verify some info about my employers and I ignored it thinking it was just informing me of a delay - my refund ended up being held for an additional 2 months because of this. If yours just says they're reviewing your return, then yeah, it's a waiting game unfortunately.

I went through this exact same situation earlier this year! The key thing to understand about Letter 4464C is that it's actually a positive sign - it means the IRS is actively working on your return, not that there's necessarily a problem. The income verification process happens when there's a discrepancy between what you reported and what they have on file, which is super common during tax season due to processing delays. Since your transcripts show no employer income reported yet, that's likely just a timing issue. The IRS processes millions of W-2s and it can take 6-8 weeks for everything to show up in their system. Your situation with the job change and income increase probably flagged their system for review, but once your employer data gets processed, it should resolve automatically. In the meantime, keep checking your "Where's My Refund" tool every week or so. The 60-90 day timeframe mentioned earlier is accurate, but many cases resolve faster once the employer data catches up. Hang in there - you should get your refund!

I'm dealing with a similar situation right now - received my 4464C letter about 3 weeks ago and have been anxiously checking my refund status daily. What really helped calm my nerves was understanding that this letter doesn't mean I did anything wrong on my return. One thing I learned from calling the IRS (after many attempts) is that they're seeing record numbers of these income verification letters this year due to the combination of processing delays and people changing jobs during the economic shifts we've had. The agent told me that significant income changes, like yours with tripling your salary, are one of the most common triggers for these reviews. Since you mentioned needing the refund for car repairs, I totally get the stress. I'm in a similar boat waiting for mine to cover some unexpected expenses. The waiting is brutal, but from what I've gathered from others who've gone through this, most people do get their refunds eventually - it's just a matter of the IRS systems catching up with all the employer data. Keep checking your transcripts weekly if you can access them online. Once your employer income starts showing up there, your refund should process pretty quickly after that. Good luck!

I just want to add some perspective as someone who went through this same 4464C situation about 6 months ago. The waiting is absolutely nerve-wracking, especially when you're depending on that refund money, but I can confirm that it does eventually get resolved. In my case, I had switched from a W-2 job to contract work mid-year, which triggered the income verification. Like you, my transcripts initially showed no income from my employers. It took about 10 weeks total, but once the IRS finished processing all the employer data, my refund was issued within a week of that. One thing that helped me manage the anxiety was setting up a weekly routine instead of checking daily - I'd check my transcripts and "Where's My Refund" every Friday morning. The daily checking was driving me crazy and the status rarely changes that quickly anyway. Also, if you haven't already, make sure you have all your documentation organized (W-2s, 1099s, copy of your return) in case the IRS needs you to provide additional verification. In most cases they don't ask for anything extra, but being prepared helped me feel more in control of the situation. Your refund will come through - the income verification process has a very high resolution rate once the system catches up. Hang in there!

I'm going through something very similar right now! Got my 4464C letter about two weeks ago and have been stressing about it constantly. Like you, I changed jobs this year - went from part-time retail to a full-time office position, so my income more than doubled. What's been helpful for me is calling the IRS early in the morning (around 7 AM when they open) - I've had better luck getting through then versus later in the day. The agent I spoke with confirmed that job changes with significant income increases are triggering a lot of these reviews this year, especially when combined with all the processing delays they're dealing with. She also mentioned that even though my transcripts weren't showing employer data yet, that's completely normal and doesn't mean anything went wrong with my W-2 filings. The IRS is just behind on processing everything into their system. I know the waiting is brutal when you need that refund money - I'm in the same boat with some medical bills I need to pay. But hearing from others here who went through this successfully is really helping me stay patient. We'll get through this!

I'm going through the exact same thing right now! Got my 4464C letter about a month ago after switching from a seasonal job to full-time work with almost double the income. Initially panicked thinking I'd messed something up on my return, but after reading all these experiences, I feel so much better knowing this is actually pretty normal. What really helped me was realizing that the IRS systems are just overwhelmed this year. My tax preparer explained that when you have significant life changes like job switches or income increases, their computers flag it for human review to make sure everything matches up. It's actually a good thing in a way - means they're being thorough. I've been following the weekly check routine someone mentioned earlier instead of obsessing daily, and it's definitely helped my stress levels. Still waiting for my employer data to show up on transcripts, but I'm trying to stay patient knowing that most people in our situation do eventually get their refunds processed. Hang in there - from everything I've read here and heard from others, the 60-90 day timeframe is realistic, and many resolve faster once the employer data catches up in their system. The waiting is brutal but we'll get through this!

I can definitely relate to your situation! I went through something very similar earlier this year - received a 4464C letter and immediately thought I had done something wrong with my taxes. The stress was overwhelming, especially when I needed my refund for some urgent expenses. From my experience and what I learned talking to an IRS agent, the 4464C letter is actually quite routine when you have significant income changes like you described. Your job change and income increase (tripling your salary) would definitely trigger their automated review system. The fact that your transcripts don't show any employer income yet is almost certainly just a processing delay, not an indication that your employers failed to report anything. What helped me the most was understanding that this is a verification process, not an audit or indication of wrongdoing. The IRS is simply making sure that what you reported matches what they receive from your employers. Once their systems catch up and process all the W-2 data, most of these cases resolve automatically. I know the waiting is incredibly stressful when you're counting on that refund money for necessary expenses like your car repairs. Try to be patient - the 60-90 day timeframe others mentioned is realistic, though many cases resolve faster. Keep checking your transcripts weekly if you can access them online, and once your employer income data appears there, your refund should process pretty quickly after that. You're definitely not alone in this situation - it seems like a lot of people are dealing with these income verification letters this year due to processing delays and economic changes that led to more job switches. Hang in there!