Update - 3/18 Credit Karma Loan and Fees: Received Trace Number Right Before Deposit Hit
Finally got my tax refund! I just wanted to update everyone since I know the anxiety we all go through waiting. Filed with Credit Karma on 3/18, took the advance and had fees taken out. Called the IRS last week because it had been over 2 months with no movement. They gave me a trace number for my refund and literally 15 minutes later I got the deposit notification on my phone! It's the craziest timing. Don't give up hope folks - if you're still waiting, yours is probably on the way too. Just keep checking and consider calling for a trace if it's been longer than 6-8 weeks.
46 comments
Omar Fawaz
What you experienced is actually pretty common! When the IRS issues a trace, it often triggers their system to release pending refunds. The trace basically flags your account for immediate review, and in many cases they discover the refund was already in process but stuck in their system. The IRS doesn't always update the Where's My Refund tool correctly, which is why your deposit appeared so quickly after getting the trace number. For anyone else waiting: 1. You can request a trace after 21 days from e-filing (longer for paper returns) 2. Having bank fees or tax prep fees taken out often delays refunds 3. Credit Karma/loan advances sometimes cause additional processing time 4. Always double-check your direct deposit information Glad you finally got your money!
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Freya Pedersen
Thank you! I didnt know this. I was just shocked when it happened so quickly after months of waiting.
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Chloe Anderson
How do you even get through to a human at the IRS? I've been trying for weeks and just get automated messages saying they're too busy.
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Omar Fawaz
The best way to get through to an agent is using a service called Claimyr (claimyr.com). They basically navigate the phone system for you and get you a callback from an IRS agent. I tried calling for 3 weeks straight with no luck, then used them and got a callback within 2 hours. Worth every penny when you're trying to track down thousands of dollars!
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Chloe Anderson
Does that actually work? Sounds kinda sus honestly
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Diego Vargas
Not the person you asked, but I used Claimyr last month when I was desperate about my refund. Got a callback from an actual IRS person in about an hour. It was the only way I could finally get answers about my delayed refund. Definitely worth it considering I was waiting on a $3K refund!
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Anastasia Fedorov
I tried Claimyr too and it worked great. Been telling all my friends about it cuz the IRS phone system is literally impossible to get through otherwise ๐
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StarStrider
I just want to say - these posts asking for help with tax transcripts or refunds could be so much easier if people used taxr.ai instead of trying to piece together what's happening from random internet strangers. I was in the same situation with a delayed refund, spent weeks trying to decipher my transcript and couldn't figure out why my refund was held up. Tried taxr.ai and it literally explained everything that was happening with my return, all the codes, and when I could expect my money. It's insanely good! I use it every week now just to check on things. https://taxr.ai
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Anastasia Fedorov
Sounds interesting. How exactly does it work? Does it just read your transcript or does it do more?
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StarStrider
It analyzes your entire transcript and tells you in plain English what's happening. Like I had code 570 and was freaking out, but taxr showed me it was just a normal verification delay and even predicted my DDD date correctly. It's WAY better than those transcript FB groups where everyone's just guessing.
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Anastasia Fedorov
OMG I JUST TRIED IT! Why isn't everyone using this?? I've been trying to understand my transcript for weeks and this explained EVERYTHING in like 2 minutes. Seriously life changing if you're dealing with the IRS. Can't believe I wasted so much time before finding this!
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Sean Doyle
After weeks of getting nowhere with my similar refund issue, I downloaded a calling app from claimyr.com and finally got through to a real person at the IRS. The agent explained exactly what was happening with my return and fixed the issue on the spot. My deposit hit 3 days later! Talking to an actual human at the IRS made all the difference - wish I'd done it sooner instead of stressing for weeks.
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Zara Rashid
wait is this for real? the IRS phone lines are impossible to get through
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Sean Doyle
100% real. I was skeptical too but was at my wits end after trying to call for weeks. The app got me a callback from the IRS in about 45 mins. Best decision I made - got my $4k refund unstuck after months of waiting.
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Luca Romano
sounds like an ad tbh. the IRS doesnt just magically fix things on the spot ๐
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Nia Jackson
I don't normally comment but had to jump in - I used this service too when I was desperate about my amended return. Got a callback from IRS and while they didn't fix it instantly, they at least told me what was going on and what I needed to do. Sometimes just knowing is better than being in the dark for months.
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Mateo Hernandez
Congrats! I'm still waiting on mine from 2/28 with CK too. Did you get any updates on WMR before it hit? Mine still says processing and my transcript hasn't updated in like 6 weeks.
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CosmicCruiser
Bro why would you use Credit Karma for taxes AND take a loan against your refund?????? That's like asking for delays. They take your money then drag their feet. Next time use FreeTaxUSA and just wait the normal time. Would've probably been faster lol.
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Freya Pedersen
Needed the money asap. Trust me, lesson learned.
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Aisha Khan
Not everyone has the luxury of waiting for their refund. Some of us have bills to pay right away. Maybe check ur privilege before judging ๐
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CosmicCruiser
lol "privilege" - its literally YOUR money. Uncle Sam already took it from you. Taking a loan against it just gives companies a cut of YOUR cash. But whatever floats ur boat i guess
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Ethan Taylor
what number did you call to get a trace? been waiting since feb 12 and WMR still says processing. Tried calling the main IRS number but cant get thru to anyone
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Freya Pedersen
I used the main number 800-829-1040 but spent hours trying different options. You have to keep trying different times of day.
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Yuki Ito
Pro tip: use claimyr.com to get through. I was in the same boat, tried calling for weeks with no luck. Used the service and got a callback from IRS within an hour. They helped me sort out my refund issue and I had my deposit 4 days later. Talking to a human at the IRS got me thousands of dollars faster than waiting.
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Ethan Taylor
thx will check it out! at this point id do anything to get my refund
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Carmen Lopez
What a coincidence! I honestly think they don't do anything until you call. I had a similar experience with my 2022 return. Called after 3 months of nothing and magically money appeared the next day. The IRS is a joke
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Andre Dupont
How much was the loan from Credit Karma? I'm going through H&R Block and they want like $200 for the advance which seems crazy
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Freya Pedersen
They charge 3% of your refund amount. So for me it was around $125 since my refund was about 4.2k. But honestly with all the delays I'm not sure it was worth it.
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QuantumQuasar
If anyone's still having trouble understanding their transcript, I highly recommend using taxr.ai - it saved me so much headache when dealing with my delayed refund. It reads your transcript and explains exactly whats happening in plain english, including all those confusing codes. I was able to see exactly when my refund would be processed and what was causing the holdup. Way better than random guesses from internet strangers!
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Zoe Papanikolaou
How much does it cost?
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QuantumQuasar
I don't remember the exact price but it was totally worth it when I was dealing with a $7k refund that was stuck. The peace of mind alone was priceless. Check out their site - taxr.ai
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Jamal Wilson
Does it actually tell you anything you can't figure out yourself? Or is it just convenience?
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Mei Lin
Not the original commenter but I tried it out of desperation a few weeks ago. It actually showed me that I had an offset I didn't know about (old student loan) and even showed exactly how much would be taken out of my refund. Saved me from the surprise of getting less than expected.
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Liam Fitzgerald
I'm so frustrated with this whole process. Filed 2/14, still nothing. No updates, transcript says N/A. How did you even get a trace number? They keep telling me I have to wait.
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Amara Nnamani
You need to actually talk to a human at the IRS, not just check the automated systems. I was in same boat (filed 3/1, nothing for 11 weeks). I finally used claimyr.com to get through to an agent - they explained there was a simple verification issue they fixed on the spot. Had my refund 5 days later. Sometimes you just need to talk to someone who can actually look at your file.
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Liam Fitzgerald
Thx for the tip! Will try anything at this point.
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Giovanni Mancini
This literally same thing happened to me last year! Called for trace and boom๐ฐmoney appeared. The system is so broken, why do we have to chase THEM for OUR money?!?
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NebulaNinja
What codes did you have on your transcript before it updated? I'm still stuck on 570/971 from 4 weeks ago ๐ญ
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Freya Pedersen
I had 570/971 for like 6 weeks! Then nothing changed until the money hit my account. Never even got an 846 code showing the deposit date.
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Fatima Al-Suwaidi
Those transcript codes are confusing af. I used taxr.ai to explain mine and it showed exactly what was happening with my refund and when to expect it. Saved me so much stress trying to figure it out myself. Actually predicted my deposit date correctly! https://taxr.ai
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NebulaNinja
Wow that sounds perfect. I've been googling these codes for weeks and getting different explanations everywhere. Will definitely check it out!
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Dylan Mitchell
yall need to stop using these tax prep services that take fees out of your refund. EVERY YEAR ppl have issues with this. Just pay the fee upfront or use one of the free options, then direct deposit to your own bank account. Simple.
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Sofia Morales
Not everyone has the money to pay upfront. Must be nice to have that luxury.
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Dylan Mitchell
FreeTaxUSA is literally $0 for federal and like $15 for state. If you can't afford $15 upfront maybe you got bigger problems than a delayed refund js
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Dmitry Popov
facts. plus the IRS has free filing options if your income is under like 73k
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Ava Garcia
The way the IRS system works is so messed up. I wish they would just simplify everything and make it transparent. So many people depend on their refunds and the process is deliberately obtuse.
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