I just went through this whole verification dance last month! Got my refund exactly 16 days after uploading my docs. The funniest part was watching my transcript update with what felt like hieroglyphics - 570, 971, 571, 846... it was like trying to decode an ancient tax scroll! 😂 But seriously, when you see that 846 code with a date, that's your direct deposit date. Set a calendar reminder for 16-20 days from when you uploaded and try not to obsessively check before then (like I definitely didn't do... every 3 hours... for two weeks).

Military spouse here! Just went through this exact situation in January after our PCS to Fort Campbell. The timeline really depends on what type of verification letter you received, but since you mentioned using ID.me, that's a great sign - it's much faster than mailing documents. I got my refund 19 days after uploading through the portal. One tip: make sure you check your transcript regularly at irs.gov/account. When you see transaction code 571 (hold released), your refund should process within 5-7 days. Also, if you need it expedited due to your military move, call the Taxpayer Advocate Service at 1-877-777-4778 and explain your PCS situation - they can sometimes help prioritize military cases. Good luck!

One thing nobody's mentioned is that you need to itemize deductions to claim home equity loan interest. If your standard deduction is higher (which it is for most people now), then it might not be worth claiming the interest deduction at all. For married filing jointly, standard deduction is $27,700 for 2023 and will be even higher for 2024-2025. Also, don't forget you can potentially deduct state and local property taxes too, but there's that $10,000 SALT cap to consider. Might be worth running the numbers both ways to see which gives you the better outcome.

Don't forget to track all your expenses carefully! I claimed home equity loan interest last year and got audited because I couldn't prove some of my expenses were actually for home improvement. Make sure u save ALL receipts and take before/after pics of the renovation. The IRS made me pay back the deduction plus a penalty because I didn't have enough proof 😭

I've used Karma Money for 2 years now and never had issues with tax refunds. Give it till early next week before freaking out. The banking system is slower than you'd think even in 2025! 🐢

I'm going through the exact same situation! Filed on April 8th through TurboTax, IRS accepted same day, and they sent my $2,100 refund to my Karma Money account on May 7th. Still waiting and it's been 4 business days now. Reading through all these responses is actually making me feel a lot better - seems like 4-6 business days is pretty normal for Karma Money. I was starting to think my money disappeared into the void! Going to try calling their customer service tomorrow if it doesn't show up, but sounds like I should probably just be patient a bit longer. Thanks everyone for sharing your experiences - this community is so helpful during tax season stress! 🙏

Check if there might be a mistake with the "basis" tracking for your Roth. When I contributed to my Roth after doing a backdoor conversion from Traditional, my brokerage messed up the basis reporting and I got a similar penalty notice.

I've seen this exact situation before, and it's incredibly frustrating when you know you've done everything right! Based on your description, I'd strongly recommend getting a copy of Form 5498 from your IRA provider - this is the form they send to the IRS reporting your contributions. Sometimes there are discrepancies between what you think you contributed and what was actually reported. Also, double-check if you have any employer retirement plan contributions that might affect your eligibility. Even though the income limits for Roth IRAs are separate from 401(k) plans, sometimes people get confused about the interaction between different retirement accounts. One more thing to consider - if you received any unemployment compensation or other income that might not have been on your W-2, that could push your MAGI higher than expected. The IRS calculations can be tricky, and sometimes income sources we forget about can cause issues. Don't panic though - if this is truly an error, it's absolutely fixable. Document everything and be prepared to show your work. The IRS will correct legitimate mistakes, it just takes patience and proper documentation.

OMG I'm in the same boat! Filed 1040X on 3/15, received 3/22. Still nothing but "received" status on WMAR. Literally check it 2x daily lol. Hoping for movement soon bc need $ for summer vacation. Thx for posting this Q - makes me feel better knowing I'm not alone in the waiting game!

I'm experiencing a similar situation with my amendment. Filed 1040X on 3/12, received confirmation 3/19, and still showing "received" status on WMAR. What I've learned from researching this is that the IRS processes amendments in batches, and March filings unfortunately coincide with peak tax season volume. From what I've gathered, the "received" status can persist for 12-16 weeks before any movement occurs. One thing that helped ease my anxiety was calling the Taxpayer Advocate Service (TAS) at 1-877-777-4778 - they can't speed up processing but they can confirm if there are any issues preventing normal processing. Also, I'd recommend documenting everything for your records, including screenshots of WMAR status and dates, in case you need to escalate later. The honeymoon fund stress is real, but try not to let it consume your daily thoughts - the system is just overwhelmed right now.