I made the mistake of assuming a status change wouldn't affect processing time last year. Changed from HOH to MFJ and my refund took 78 days instead of the usual 14. The IRS verification system has specific triggers for life changes that require manual review in many cases. The system flags address changes combined with status changes as potential indicators of identity verification needs. I would strongly suggest pulling your full tax transcript (not just the account transcript) to check for TC 570 or 971 codes which indicate specific holds. The 0605 alone doesn't tell the whole story.

The community wisdom on this is pretty clear - status changes + address changes often = delays. But there's a silver lining: these verification delays usually don't result in audits or problems, just slower processing. Most people in your situation report receiving their refunds eventually without any action needed. The consensus seems to be that if you're past 45 days, it's worth trying to contact the IRS, but before that, it's normal processing for your specific situation. Hang in there - almost everyone gets their refund by early April even with these delays.

Has anyone considered that this might actually be a good thing? If your return is being processed normally, it's better than seeing a transcript with hold codes or audit flags. Sometimes no news really is good news when it comes to the IRS. The system is designed to handle millions of returns simultaneously - we just don't usually see the behind-the-scenes processing steps.

Have you checked if you have access to your 2023 transcripts? Just wondering if this might be an account access issue rather than a processing delay. I've seen cases where people have trouble with the transcript system itself rather than their return not being processed. Did you verify your identity through ID.me exactly 100% correctly?

Did you file with any credits like Child Tax Credit or Earned Income Credit? Those automatically go through additional verification that delays processing. Also, have you checked whether Credit Karma actually transmitted your return successfully? Sometimes there can be transmission errors that aren't immediately apparent.

Be careful about checking WMR too frequently! Last year I checked multiple times daily and my account got temporarily locked for "security reasons." Had to wait 24 hours to try again, and then had to verify my identity which added another 2 weeks to my processing time. The system flags frequent logins as potential unauthorized access attempts. The irony is that my obsessive checking actually CAUSED the delay I was worried about! 😭

I successfully resolved almost this EXACT situation last year! Here's what worked for me: • Called the IRS amendment-specific hotline (866-464-2050) instead of the general number • Asked specifically for a "rejection explanation code" for the amendment • Requested to speak with an amendment processing specialist • Cited Publication 501 page 4 which explicitly states marital status is determined on December 31st • Requested a formal reconsideration with supervisor review The key was getting to someone who actually worked in the amendments department. The general call center folks often don't have the training or system access to properly handle amendment issues. I went from a flat rejection to getting our full refund plus interest within 60 days. Don't give up - you are 100% correct on the tax law here!

I feel I should perhaps warn you that amendment processing is, unfortunately, somewhat of a disaster currently at the IRS. My brother-in-law, who is possibly in a similar situation, filed an amended return in early 2023 and is still waiting for resolution. The IRS seems to be prioritizing original returns over amendments, which might explain why they quickly resolved the HSA issue but not the filing status change. You might want to consider that, if you file a new amendment now, you could potentially be looking at another 12+ month wait. It might be worth weighing whether the additional refund amount justifies the continued effort and waiting period. Sometimes, as frustrating as it is, accepting the current outcome and moving forward is the most practical approach.

This reminds me of last year's tax season when the IRS suddenly switched my refund from direct deposit to a check without warning. Back then, it took exactly 14 days from the original deposit date for the check to arrive. I remember checking my mailbox obsessively every day. The most frustrating part was that their system showed "payment issued" but didn't specify it was a physical check until I called. I wonder if they're using the same process for these CTC conversions or if they've improved their notification system?

I bank with Chime. Got paper check yesterday. Was supposed to be direct deposit. Called IRS Tuesday. They confirmed switch to paper. No explanation given. Check arrived Thursday. Allow 5-7 business days. Keep checking your mail. They don't update the portal properly. Very frustrating process.