I'm a former banking operations specialist, and there may be some additional factors at play here. Chase, like most large banks, typically processes ACH transfers in batches, usually around 2-3 times per day. If the IRS transmission occurred after the final batch on 3/19, it would likely be processed the following business day. Additionally, there could possibly be a security hold if this is a new account, if the amount is significantly larger than previous deposits, or if there have been recent account changes. These holds are generally 2-3 business days but can extend to 5 business days in some circumstances.

I'm dealing with this exact same situation right now! My DDD was 3/19 with Chase and I'm still waiting too. After reading all these responses, I called Chase this morning using the advice from @Lucy Taylor about calling the direct deposit department specifically. The rep told me they can see a "processing deposit" from the Treasury that should post within 24-48 hours. She said it's been in their system since 3/20 but got flagged for their standard tax refund verification process. Apparently this is happening to a lot of Chase customers with DDDs from 3/19. Really frustrating that they don't show these as pending in online banking! I'll update once it hits my account.

I went through this exact situation two years ago and can confirm you'll definitely get your TDS refund! The late PAN-Aadhar linking doesn't make you ineligible for refunds - it just means higher TDS rates were applied temporarily. Here's what actually happens: When your PAN-Aadhar isn't linked, employers are required to deduct TDS at higher rates (usually 20% instead of 10%). But when you file your ITR, the system calculates your actual tax liability based on your income slab, not the TDS rate that was applied. In my case, I had about 75k deducted at the higher rate and got back around 45k when I filed. The refund came through within 6 weeks of filing, which was pretty standard timing. Just make sure to file your ITR before the deadline and verify that all your TDS entries in Form 26AS match what your employer deducted. The system will automatically calculate any excess TDS as refundable. Don't stress too much - you haven't lost that money permanently!

I've been through this exact scenario and want to reassure you - you'll definitely get your TDS refund! Late PAN-Aadhar linking doesn't disqualify you from claiming excess TDS back. Here's what happened in my case: I linked my PAN-Aadhar about 3 months late, and my company deducted TDS at 20% instead of 10% during that period. When I filed my ITR for that year, I got back approximately 38k out of the 52k excess that was deducted. The key things to remember: 1. Higher TDS rates are just a temporary penalty, not permanent loss 2. Your actual tax liability is calculated based on income slabs, not TDS rates applied 3. File your ITR before the deadline and ensure all TDS details in Form 26AS are accurate 4. The refund process is automated - if you've paid more tax than you owe, you'll get it back One practical tip: Download your Form 26AS a few days before filing your ITR and cross-check it against your salary slips/TDS certificates. Sometimes there can be reporting delays, especially when PAN-Aadhar linking happens mid-year. Don't let your colleagues' conflicting advice stress you out - the tax system is designed to refund excess payments regardless of when you completed the PAN-Aadhar linking!

Filed my 1040X in July and just got processed last week - took about 28 weeks total. The key thing that helped me was setting up an IRS online account to check my transcript directly. WMAR never updated for me but the transcript showed movement about 2 weeks before I got the actual refund. Hang in there, September filers should start seeing movement soon!

I'm in a similar situation - filed my 1040X in October and still waiting. Been checking both WMAR and my transcript religiously but no updates yet. The waiting is brutal, especially when you're expecting a refund! From what I've been reading here and other forums, it seems like the IRS is really struggling with amended returns right now. I've seen people say anything from 20 weeks to over a year, which is honestly terrifying. Trying to stay patient but it's hard when bills are piling up and that refund would really help right now.

my offset showed up last year right after path lifted. yours proly will 2. rip to ur refund fam

Ugh, I feel your pain! I'm dealing with the same anxiety right now. Had an offset last year and keep refreshing my transcript hoping it stays clean this time. The PATH message is stressing me out because I know once that lifts, all bets are off. Has anyone actually gotten lucky and avoided an offset after having one the previous year? Or do they pretty much always come for you if you still owe? 😰

Has anyone tried looking up this code in the IRS's error explanation docs? Sometimes they have public documentation for these error codes even if they don't explain them in detail.

I had this exact same rejection code last month and it was incredibly stressful! After trying everything suggested here, what finally worked for me was calling the IRS Practitioner Priority Line early in the morning (around 7 AM). I got through in about 30 minutes, which is way better than the regular taxpayer line. The agent explained that my return was flagged because I had claimed a dependent who had been claimed on someone else's return the previous year (my ex claimed our child in 2023, but custody changed for 2024). Even though I was legally entitled to claim the dependent, their system flagged it as potentially fraudulent. She gave me a special PIN number and told me to paper file with Form 8332 attached to prove the custody arrangement. The return was processed without any issues after that. Sometimes these rejection codes are just the system being overly cautious, but there's usually a specific reason buried in your situation that you might not think is relevant.