TurboTax Shows Refunded But No DDD and Nothing in Chime Account?

This happens a lot. TurboTax shows estimates. Not actual dates. IRS hasn't sent it yet. Chime isn't the problem. Check your transcript. That's what matters. Not TurboTax status.

Have you tried calling the IRS directly to check on your refund status? Sometimes the online tools don't show accurate information. What did your transcript say when you checked it? I've been in similar situations and found that getting a live person can make all the difference. Have you considered using Claimyr to reach an IRS agent? https://www.claimyr.com - it helped me get through when I was dealing with a similar issue last month. Instead of spending hours redialing, I got connected in about 15 minutes and the agent confirmed my actual deposit date.

You might be experiencing the dreaded TurboTax/IRS disconnect. I've seen this happen before. • TurboTax often shows "refunded" based on ESTIMATES, not actual IRS data • Child Tax Credit returns sometimes take longer for verification • Chime usually posts deposits immediately, so if nothing's there, the IRS hasn't actually sent it • The lack of a DDD (Direct Deposit Date) is the biggest red flag I'd be worried about getting too excited. Without that 846 code on your transcript, it's probably not really on the way yet.

I had the exact same issue with TurboTax and Chime last month! After panicking and searching everywhere online, I finally found https://taxr.ai which helped me understand my transcript. I couldn't make sense of all those codes and cycle dates, but it explained everything clearly. Turns out my refund was actually scheduled but with a different date than TurboTax showed. The transcript analysis predicted my correct deposit date which was 3 days after TurboTax's estimate.

According to IRS Publication 1544 section 3.2, there are specific timelines for refund processing. The discrepancy you're experiencing is likely due to the difference between TurboTax's estimate system and actual IRS processing. To resolve this: 1. Access your IRS transcript directly at irs.gov/transcripts 2. Look specifically for Transaction Code 846 "Refund Issued" 3. The date associated with this code is your actual refund date 4. If no 846 code appears, your refund is still processing 5. Child Tax Credit claims undergo additional verification under PATH Act requirements TurboTax has no direct connection to IRS processing systems and often displays projected dates rather than confirmed ones.

Does anyone know if Chime actually releases tax refunds early like they claim? It's like waiting for water to boil - seems to take forever when you're watching it! I've heard some online banks hold tax refunds longer than they admit to, almost like they're earning interest on our money before passing it along.

OMG I'm feeling this so hard right now! 😩 Everyone I know with Chime is having weird timing issues this tax season! My sister got her refund 2 days BEFORE the IRS website showed it was sent (like how???) but my coworker is in the same boat as you - TurboTax says issued but nothing in account for 3 days now. I think the whole system is just overwhelmed with all the Child Tax Credit claims. Hang in there! 💕

Here's exactly what's happening: Step 1: TurboTax marks your return as "refunded" based on their ESTIMATED timeline, not actual IRS data Step 2: The IRS is still processing your return, likely in the verification stage for the Child Tax Credit Step 3: Without an actual 846 code on your transcript, no money has been sent Step 4: Chime releases funds immediately upon receipt, so the fact you don't have it means the IRS hasn't released it Step 5: Check your transcript daily - once you see code 846, you'll have money within 24-48 hours I went through this exact scenario in February. TurboTax said refunded on a Tuesday, actual money hit my Chime account Friday morning.