Return Transcript Shows N/A After IRS ID Verification While Account, Wage & Record Transcripts Still Accessible 2019-2022 - Need for Mortgage Verification

I just verified my identity with the IRS on Tuesday and something weird happened. Before verifying I could see all my transcript options, but now the Return Transcript shows N/A for everything. I'm looking at my screen right now at sa.www4.irs.gov under the Customer File Number section where it says "You selected: Federal Tax" and "We suggest you download: Record of Account Transcript." Below that is the section showing "transcripts and years available" with the following: Return Transcript: N/A (completely blank where it used to show available years) Record of Account Transcript: 2021, 2020, 2019 Account Transcript: 2022, 2021, 2020, 2019 Wage & Income Transcript: 2022, 2021, 2020, 2019 I can still see my Account Transcript for years 2019-2022 and Wage & Income Transcript for the same years (2019-2022), but the Return Transcript section that used to show available years is now completely N/A. The Record of Account Transcript shows years 2019-2021 are available. The system still shows definitions explaining that "Return transcripts include items from your tax return as filed, including any forms and schedules" and that they're typically used for "requirements like offering mortgages and loans." My Account Transcript still shows transactions between me and the IRS including "original returns, estimated tax payments, and amended returns." According to the glossary on the page: - Return Transcript: "Return transcripts include items from your tax return as filed, including any forms and schedules. Return transcripts fulfill most requirements like offering mortgages and loans." - Account Transcript: "Account transcripts show transactions between you or the IRS including your original returns, estimated tax payments, and amended returns." - Record of Account: "Record of account transcripts combine the tax return and account transcripts." - Wage & Income: "Wage and income transcripts show data from information returns such as W-2s, 1099s, etc. reported to the IRS. Current year information may not be complete until July." - Verification of Non-filing: (partial text visible) "Verification of non-filing is a letter that IRS does not have a record of a processed tax return for the year of the letter. If you received an error when trying to get this, you'll need to..." Does anyone know what this N/A status means or how long until it goes back to normal? I'm concerned because I need this for mortgage verification purposes. Should I just use the Record of Account Transcript since that's what the system is suggesting?

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Layla Mendes

The screenshot shows your IRS transcript access page after identity verification, where Return Transcripts are currently showing as "N/A" while Account Transcripts and Wage & Income Transcripts remain available for years 2019-2022. This temporary N/A status is a standard security measure implemented by the IRS during the post-verification processing period. The system is specifically suggesting you use the "Record of Account Transcript" as an alternative, which according to the glossary visible in the image, combines both return and account information. This can actually be more comprehensive than a Return Transcript alone for mortgage verification purposes. Your Account Transcripts (showing IRS transactions, payments, and amendments) and Wage & Income Transcripts (containing W-2s, 1099s, and other income documents) remain accessible for 2019-2022, providing alternative documentation options while your Return Transcript access is being restored. The system typically requires 7-10 business days to fully process your identity verification and restore complete transcript access. This waiting period is part of the IRS's security protocols to protect taxpayer information. During this interim period, you can use your Account Transcript or Record of Account Transcript for mortgage verification needs, as they contain similar information to the Return Transcript.

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