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I know this doesn't help with your current situation, but once you get the card, make sure to set up the direct deposit preference properly for next time. In 2025 they changed the system so you have to verify bank info through the NY.gov ID portal separate from the unemployment system. It's super confusing and they don't explain it anywhere obvious.
EXACTLY THIS!!! they make everything IMPOSSIBLE to understand on purpose!! I filled out direct deposit info THREE TIMES and they still sent a stupid card! when i called they claimed i "didn't complete verification" whatever that means!!
Yes! It finally came yesterday - took 16 days total. The envelope was super plain like everyone said, I almost missed it. Thanks for checking in! Already transferred the funds to my bank account.
Tax professional here. If your transcript shows code 291 with a future date, that's your scheduled processing date. The refund typically hits accounts 5-7 business days after that date. If you see code 971 followed by 846, that means it's been approved and sent. For those still waiting, please note that unemployment tax refunds for tax year 2024 are being processed through August 2025, so some will wait longer than others. This is normal IRS procedure for adjustments.
This is really helpful, thank you! I just rechecked and I have codes 291 and 971 on 4/15, then code 846 on 4/22. So that means I should see it around April 22nd?
Exactly right. Code 846 with the 4/22 date means your refund is scheduled to be deposited on April 22nd. You're all set - no need to worry!
Thank you so much! That's a huge relief. I'll stop checking my account every hour now 😅
When I had to deal with this, I actually had better luck contacting my local Taxpayer Advocate Service. They can help with IRS issues when you've tried normal channels without success. For NY, try calling 877-777-4778 to reach the Taxpayer Advocate. They helped me resolve my unemployment tax refund issue when I couldn't get through to the IRS directly. Worth a shot if other methods fail.
Thank you! I didn't even know this service existed. How long did it take for them to help you resolve your issue?
It took about 3 weeks from my first contact with them until my refund was processed. They assigned me a specific advocate who handled my case. Make sure you can demonstrate you've tried to resolve through normal channels first - they usually ask for documentation of your attempts to contact the IRS directly.
The IRS is processing these refunds in batches based on filing date and complexity. Simple returns are being processed first. According to the latest IRS statement, they should complete all unemployment tax adjustment refunds by October 2025. You can check your tax transcript online at irs.gov/transcripts to see if an adjustment has been made to your account yet.
wait are we supposed to be applying to jobs every day?? i thought it was just 3 per week? now im worried
No need to worry. The requirement is a minimum of three work search activities per week, not per day. Applying to jobs is just one type of accepted work search activity. Others include attending job fairs, networking events, skills workshops, etc. You can find the full list on the NYSDOL website.
UPDATE: I finally got through!!! Used that Claimyr service someone mentioned, and I was connected to an agent in about 15 minutes. Turns out there was an identity verification flag on my account from when I first applied back in May. The agent was able to clear it and release all my payments! They should be in my account within 3 business days. The agent also explained that weird message about exhausting benefits - apparently there was a glitch in the system that was showing an old claim from someone else with a similar name!!! Can you believe that?? So glad I finally got this sorted out. Thanks everyone for your help and suggestions!!
TYPICAL system error!!! Glad you got it resolved but FURIOUS that they make us jump through so many hoops to fix THEIR mistakes!! They should be paying INTEREST on delayed benefits!!
CosmicCaptain
has anyone else noticed the refund amounts are different than what the tax software estimated??? i was supposed to get like $870 but only got $721
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Ravi Sharma
•That's common. The tax software estimates based on the information you provide, but the IRS makes the final calculations. The difference could be due to rounding errors, different interpretations of tax law, or corrections to reported income. If the difference is significant (over $200), it might be worth investigating.
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Natasha Volkova
UPDATE: I finally got through to the IRS using that Claimyr service someone mentioned above. Turns out they had the wrong direct deposit info for me (somehow a digit got changed). They're mailing me a check instead which will take another 2-3 weeks. At least I know what's happening now! Thanks everyone for your help!
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Emma Davis
•Glad you got it sorted out! This happens more often than people realize. For anyone else reading this, always double-check your direct deposit details when filing - a single incorrect digit can cause weeks of delays.
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