Everyone's suggesting complicated solutions, but have you checked your actual bank account? In my experience with SBTPG processing issues, the refund often arrives in your bank account while the tracking systems still show outdated information. The "canceled" status frequently indicates the transfer has left SBTPG's system and is en route to your financial institution. Check your pending deposits directly with your bank - you might find it's already there.

I successfully resolved this exact issue last week by following these steps: Step 1: Downloaded my IRS transcript (showed the refund was already issued) Step 2: Called my bank to ask about incoming ACH transfers (they could see it pending) Step 3: Contacted TurboTax through their messaging system (they confirmed SBTPG had already forwarded the funds) Step 4: Checked my account the next morning and the money was there The whole time SBTPG's tracker showed nothing. Their system is notoriously behind actual transfer status. My refund appeared exactly 2 days after the "canceled" notice, but SBTPG's website didn't update until 3 days after I already had my money.

I would argue that services like Claimyr might actually be worth it in some cases, particularly if you've been trying unsuccessfully to reach the IRS for days. While it's true that patience might eventually get you through, if you're dealing with time-sensitive issues or potentially missing money, the cost could be justified. The IRS call centers are notoriously understaffed, especially during peak tax season, and their systems often disconnect callers when queues get too long. I've heard from several colleagues that using connection services saved them hours of frustration, though your mileage may vary depending on your specific situation.

Have you considered filing a complaint with the CFPB (Consumer Financial Protection Bureau) about SBTPG? I did this last year when they held my refund for over a week with no explanation. The CFPB complaint got their attention pretty quickly, and I had my money within 48 hours of filing it. You can submit a complaint at consumerfinance.gov/complaint. Make sure to include all relevant dates, your daughter's DDD, and mention that others with the same bank are receiving their refunds while hers is still being held.

Everyone's focusing on the transcript, but the real issue is the processing backlog at the IRS Kansas City center (if you're in the western or central regions). They're prioritizing returns with refundable credits first, then simple W-2 only returns, and finally the more complex returns with multiple schedules. The "no return filed" message is just a placeholder until your return reaches the transcript database - it doesn't mean there's a problem. The system is just overwhelmed... again. (Shocking, I know! 😂) Check transcript Tuesday/Friday mornings when they do mass updates - that's your best indicator.

I might be able to offer some insight here. My return was accepted on February 3rd, and my transcript finally updated yesterday. It seems like, possibly, they're processing in batches based on filing method and complexity. My return was relatively simple - just W-2 income and standard deduction. No dependents or credits. So perhaps they're working through the simpler returns first? Just a theory, of course, but it might explain why some of us are seeing movement while others aren't.

Has anyone received a CP05 notice after getting this code? I'm trying to figure out if the 0805 code always results in a letter or if sometimes they just release the refund without sending anything?

Code 0805 specifically indicates a manual review flag within the Return Integrity & Compliance Services (RICS) division. It's part of the pre-refund compliance check program that expanded significantly for Tax Year 2023. The IRS uses predictive analytics to flag returns, not necessarily because you did anything wrong. Returns with Earned Income Credit, Child Tax Credit, or Education Credits are statistically more likely to receive this code. Average resolution time is 45 days from the date of the code's appearance.

According to the SBTPG knowledge base (https://taxpayer.sbtpg.com/hbshared/faq), a trace number means the payment has been initiated but not necessarily completed. Your cousin should try logging into the SBTPG website directly - not through TurboTax or other tax software - and check the status there. The Wisely card also has its own portal separate from the card app that sometimes shows pending deposits earlier. Has he checked both places?

omg i had this EXACT prob w/ my wisely card last yr. sbtpg had the $$ for like 5 days after the trace # showed up. turns out they were waiting for some verification thing bc my address didn't match perfectly between IRS and what I gave wisely. had to call SBTPG directly (not the tax preparer) and confirm some details. got my $$ next day. ur cousin should def call SBTPG asap. their customer svc # is on their website. don't wait or it could take even longer.