I can clarify what's likely happening here. The IRS verification process has multiple stages: 1. Initial submission verification (basic identity check) 2. Income/wage verification (comparing what you reported vs. what employers reported) 3. Credit verification (for certain credits claimed) You likely completed step 1 online, but now they're asking for step 2 or 3. Here's what to do: 1. Check the letter number (top right corner) 2. Respond to the new letter exactly as instructed 3. If calling, mention you already completed the online verification 4. Ask specifically which verification this new letter is for Don't worry - this is frustrating but normal this year. Your refund isn't lost, just delayed.

According to IRS Publication 5027 on Identity Theft Information for Taxpayers, you should respond to each verification request separately. As a contractor myself, I've found we get extra scrutiny because our income reporting is more complex. The IRS has been implementing new verification procedures under IRC §6103(c) which allows for multiple verification steps. I suggest keeping copies of all verification confirmations and requesting a Taxpayer Advocate if this continues beyond the second verification.

OMG the verification process is SO MUCH FASTER if you check your transcript directly instead of WMR! The transcript database updates overnight (usually Tuesday-Thursday between 12am-6am EST), while WMR often lags 24-48 hours behind. I was literally refreshing my transcript hourly after verification and caught my DDD a full two days before WMR updated! Try checking your transcript around 3am - that's when the overnight batch processing typically completes.

Compared to mail verification, which can take 6-8 weeks, online verification is much faster. My sister verified by mail in early February and still hasn't seen movement, while I verified online around the same time as you and got my DDD after 7 business days. Just be careful about checking too frequently - the "Where's My Refund" tool can lock you out after too many attempts in 24 hours. I'd suggest checking transcripts once daily in the morning and WMR no more than once every 24 hours.

I'm not sure if this is relevant, but do you happen to know if Navy Federal treats these deposits differently based on account type? I have a checking account with them and was wondering if maybe savings accounts might process differently or if business accounts have different timelines?

My Navy Federal DDD was March 8th last year, and SBTPG took their fees on March 6th at 10:23am. The deposit showed as pending in my Navy Fed account on March 7th around 3pm, and was fully available on March 8th at 12:01am. The exact same pattern happened for my wife's return which had a DDD of February 22nd this year - fees taken, then pending deposit about 24 hours later. You're right on track for a normal timeline.

I've tracked this pattern for three years now. In 2022, I had a February 16th 'as of' date and received my refund on March 1st. In 2023, I had a February 22nd 'as of' date and still received my refund on February 28th. This year, I have a February 14th date, but based on previous experiences, I'm not expecting it any earlier than February 27th. The PATH Act mandates the IRS hold refunds until February 15th, but their actual release schedule typically begins the following week. I've found the cycle code on your transcript (usually near the top, formatted like 20240805) is a much better indicator of when you'll get paid than the 'as of' date.

Let me clarify something important about these dates. The 'as of' date on your transcript is NOT a refund date or even a processing completion date. It's simply the next scheduled date when the IRS computer system will run automated checks on your account. The difference between February 14th and February 21st is primarily related to which processing batch your return was assigned to during initial processing. PATH Act returns (those claiming EITC, ACTC, etc.) are subject to the February 15th hold regardless of 'as of' date. After February 15th, the IRS typically begins releasing these refunds in waves, with the first direct deposits hitting accounts around February 27th-March 1st. Your actual refund date will be indicated by a Transaction Code 846 on your transcript, not by the 'as of' date.

Def a thing w/ RushCard + TT combo this yr. IRS sent my refund on 4/2 per WMR, but RC didn't post til 4/8. Called RC customer svc and they said govt deposits have a "processing window" that can add 2-5 biz days. RC won't even see it in their system til it clears that verification. Annoying but normal. Btw check if TT took fees from refund - that adds another step too.

I see this confusion every tax season, and RushCard is actually slower than most traditional banks but faster than some other prepaid cards like NetSpend. While a regular bank might post your refund the same day the IRS releases it, RushCard typically takes 2-4 business days. Compare that to my credit union which posts pending deposits as soon as the ACH notification arrives. Your March 15th filing date plus normal 21-day processing plus RushCard's additional time means you're still within normal timeframes, though just barely.