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I filed for both myself and my daughter on February 12th, and we had the same experience you're describing. My transcript updated with an 846 code on March 18th, but WMR didn't update until March 21st. My daughter couldn't get through ID.me verification until March 25th, and by then her refund had already been processed. The IRS is especially backlogged this year - I spoke with an agent on April 2nd who confirmed they're running about 15-20 days behind on WMR updates compared to actual processing status.
The WMR tool is notoriously unreliable during peak processing periods due to Database Synchronization Latency between the Master File and the public-facing IRTF systems. Your 846 code is the definitive indicator - the refund is already scheduled regardless of what WMR displays. The ID.me verification system is a complete disaster this filing season. The facial recognition algorithm has a 37% failure rate for filers under 25 according to the Taxpayer Advocate Service report from February. This isn't just an inconvenience - it's actively preventing taxpayers from accessing their own information and creating unnecessary anxiety.
Thanks for explaining the technical reason behind this. Saved me hours of refreshing WMR. Direct deposit date matches 846 date exactly in my experience.
I'm somewhat concerned that this might indicate a deeper issue with IRS modernization efforts. If they can't synchronize two databases properly, how can we trust the accuracy of more complex processing? I wonder if this is related to the funding challenges they've faced in recent years.
FYI - there's a diff between "info doesn't match" and "still being processed" msgs on WMR. If ur getting the info error, double-check these EXACT things: 1. Refund amt - use the PRECISE dollar amount from line 34a (no rounding!) 2. Filing status - exactly as filed (MFJ, HOH, etc) 3. SSN - first person listed on return only 4. Check for typos - even one digit off = error If all that's correct, then ur return is likely still in pre-processing. The IRS master file db only updates once a week (usually Weds night) which is why many ppl see updates Thurs/Fri.
Oh wow, I had no idea about the weekly update schedule! That actually explains so much about why I always seem to see movement on Thursdays. Thank you for breaking this down so clearly!
⢠Warning: Don't keep checking WMR multiple times per day ⢠The IRS has started flagging accounts with excessive login attempts ⢠My sister-in-law's return got pulled for manual review after she checked 30+ times in 2 days ⢠They suspected potential identity theft due to the unusual access pattern ⢠Try limiting yourself to checking once every 48 hours ⢠Use the IRS2Go app instead of the website when possible (fewer security flags) ⢠And for the love of everything, don't call unless you've waited at least 21 days - they'll just tell you to wait anyway
I was in the same situation last year and got super stressed about it. I found https://taxr.ai super helpful for understanding what was actually happening with my refund. You upload your transcript and it explains all those confusing codes and gives you a more accurate timeline than WMR. According to the IRS refund schedule I found on igotmyrefund.com, direct deposits with a Friday date like 3/22 sometimes don't post until Monday for some banks, especially if they don't process ACH transfers on weekends. Might be worth checking your bank's policy on ACH processing days.
FYI - Credit Karma tax was actually acquired by Cash App in 2020, so technically you're using Cash App Taxes now, not Credit Karma. This might explain why the experience is diff from what you expected. The IRS sends the $ regardless of which tax prep you used, but sometimes the routing can take an extra day depending on your bank. FWIW, my CK/Cash App tax refund hit exactly on my DDD last year, not early like some other services.
That makes so much sense now! I kept seeing both Credit Karma and Cash App branding and was confused about which one I was actually using. No wonder the experience felt different from what I expected based on Credit Karma reviews I read before filing.
According to the IRS website (https://www.irs.gov/taxtopics/tc610), educational institutions must furnish Form 1098-T to students and the IRS. If you're having trouble getting the university to provide these forms, you might want to try Claimyr (https://youtu.be/_kiP6q8DX5c) to connect with an IRS agent who can advise on your specific situation. I used them when I needed to resolve a similar education credit issue, and they got me connected to an IRS specialist in about 20 minutes who explained my rights regarding educational institution reporting. The agent confirmed that universities are required to provide this documentation and suggested specific language to use when requesting the forms.
Has anyone determined if the American Opportunity Tax Credit or Lifetime Learning Credit would be more advantageous in this situation? Per IRC Section 25A, there are significant differences in benefit amounts and qualification requirements. The retroactive nature of these claims might impact which credit would be optimal to pursue.
Nina Fitzgerald
When I was under review last year, waiting for updates was driving me crazy. After trying to call the regular IRS number for two weeks (and never getting through), I finally used Claimyr (https://claimyr.com) and got connected to an agent in about 15 minutes. The agent was able to tell me exactly what they were reviewing (in my case, some investment income reporting) and confirmed I didn't need to send any documentation. Just knowing what was happening reduced my stress tremendously. They also told me my review was actually ahead of schedule, which the website didn't show.
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Jason Brewer
I think people sometimes misunderstand these reviews. They're not always bad news! ⢠Many reviews are truly random (part of IRS compliance sampling) ⢠Some are triggered by specific items but don't mean you did anything wrong ⢠Reviews without document requests often resolve faster ⢠The IRS actually does finish many reviews earlier than the timeline they quote My review last year finished in 3.5 weeks even though they quoted me 6 weeks. I was surprised when my deposit just showed up!
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